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Personal Finance
Financial Planners' Keys to a Happy Retirement
February 10, 2017
You want to boost the money you are stashing away for your retirement years. But now you face tough choices: Should you invest in a traditional individual retirement account (IRA)? How about a Roth IRA?
There are so many types of investment vehicles, choosing the right one for your retirement savings can seem overwhelming. But here's a tip from financial advisors: Don't focus so much on the savings accounts and investment options available to you. Instead, focus on setting goals for your own retirement. Then determine how much money you'll need to meet those goals.
This kind of retirement planning is the most important step in securing happy golden years, these financial pros say.
"What investment vehicle you save in is much less important than determining if your current level of saving and spending are going to allow you to achieve the goals you've set out," says Neal Slafsky, managing director at United Capital in Fort Lauderdale, Florida. "I can't talk about the savings vehicles until I first understand the direction that my clients want to go. There's no point in getting in the car and having no destination in mind."
The point here? Before you start worrying about the differences between Roth and traditional IRAs, you need to determine what kind of retirement you want and how much money you'll need to get it.
Review current spending and saving habits
Everyone wants a happy retirement. And many believe that simply choosing the right mix of annuities, IRAs, stock market picks and life insurance investments will get them there.
But the real trick in saving for retirement is to start planning out those after-work years as early as possible.
Alex Navarro, senior vice president and private financial advisor at SunTrust Investment Services in Miami, says that he first advises his clients to look at their current spending and saving behaviors. Are the actions they are taking today getting them closer to their retirement goals? Or are they putting those goals in jeopardy?
If it's the latter, Navarro works with his clients to determine what changes they can make in how they spend and save.
"To plan for retirement, you need to look at your behavior today," Navarro says. "Then you need to take the appropriate actions that will put you into a situation where you are able to save for retirement."
Take every opportunity to maximize contributions to 401(k) plans
Mary Ellen Garrett, senior vice president of wealth management with the Atlanta office of Merrill Lynch, says some people are not maximizing the contributions they are making every two weeks to their company's 401(k) program. This is another example of current behaviors that do not push retirement savers toward their targets.
To get closer to your retirement goal, you'll need to boost the amount of money you are automatically depositing into your 401(k) account, Garrett suggests.
"The first thing people should look at is what is already available to them," Garrett says. "If they are working for a company that provides a retirement plan, they should take full advantage of that first before they invest in any other retirement savings vehicles. If your company offers a 401(k), it will typically offer some type of matching plan. If you are not taking advantage of that, you are walking away from a great savings tool."
Use a retirement savings calculator
So, how much money do you need to save to have a happy retirement? Not surprisingly, the answer to this depends largely on the type of retirement you want to live.
The 2016 Retirement Confidence Survey by the Employee Benefits Research Institute found workers cite a wide range of figures when saying how much money they'll need in retirement. About 24 percent of workers, for example, told the institute that they think they'll need at least $1 million after calculating how much for retirement to save. Almost two-thirds of employees said they'd need to have less than $1 million saved by retirement.
The study also highlights the differences in confidence for retirement depending on whether workers performed a calculation of how much to save for retirement. Of those who said they were very confident about their ability to have a comfortable retirement, 30 percent crunched the numbers for retirement while 13 percent who had a similar confidence level did not.
Using a retirement savings calculator to estimate their needs after leaving the workforce could better prepare workers for their golden years.
How much to save for retirement investments
What's the right number? One rule of thumb is that you should have a retirement portfolio. Use whatever combination of savings, stocks, annuities, pensions, Social Security payments and other income streams you can muster. Ensure this will allow you to generate 80 percent of your current income every year. If you make $100,000 a year, then, you'll need a retirement portfolio that generates $80,000 in income every year.
Match post-work goals and lifestyle to retirement savings targets
But these retirement savings targets are just an estimate. Depending on your retirement goals, you might not need that much money in your retirement years. It all comes down to what you want to do after you leave the working world.
If you want to travel extensively, you'll need to save plenty of money. If you just want to play golf and spend time with your grandchildren, you can get by with a smaller amount of savings.
The key is to be realistic about what kind of retirement you can have based on your current income stream and the amount of money you've already saved. You might not be able to afford those yearly cruises that fuel your retirement dreams.
Navarro points out some negative outcomes as a result of retirees living outside of their means.
"I'm not a magician. I'm a financial planner," Navarro says. "I have had situations where people have continued living the lifestyles of the rich and famous without worrying about how much money they had left. Then the money ran out and they had to live the lifestyle of Purina cat chow. They were not mature enough to take the proper action at the right time. It's like watching a train wreck. My job is to advise them. Some people choose not to listen."
The above scenario highlights the need to not only have retirement savings goals, but also spending targets that are in line with their savings accounts in addition to their desired lifestyle.
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How to Recover from the 3 Biggest Credit Score Busters
January 31, 2017
You lost your job and could no longer afford your monthly mortgage payments. You stopped making them and lost your home to foreclosure. Maybe you've made so many financial missteps that you filed for either Chapter 13 or Chapter 7 bankruptcy protection to get a fresh start.
These are big financial disasters. Each will send your credit score plummeting by 100 points or more. And don't expect to qualify for credit cards, a mortgage loan or auto financing anytime soon.
3 Biggest Credit Busters
There is hope, though. It is possible to recover from each of these three financial disasters. It just takes time and good financial habits to boost your credit score and become an attractive borrower once again.
"A lot of times people say that they can't do anything for seven or 10 years after a foreclosure or bankruptcy," says Chris Copley, who has worked as a regional manager for TD Bank. "That's not necessarily true. If you take the steps to rebuild your credit, you might be able to get a credit card or even a mortgage loan before that seven- or 10-year period is up. Don't fall into that trap of thinking that there's nothing you can do."
Foreclosure and short sale
If you began falling behind on your mortgage payments, you may have sold your home through a short sale, a type of home sale in which your lender allows you to sell your residence for less than what you owe on your mortgage loan. Having such a sale on your credit report marks you as a high credit risk, and a far less attractive borrower to lenders.
Losing a home to foreclosure or selling a home through a short sale is a serious blow to your credit, and will send most consumers' scores falling by more than 100 points. Even worse, both a foreclosure and short sale remain on your credit report for seven years.
Chapter 13 bankruptcy
Bankruptcy filings stay on your credit report for a long time, too. If you file for Chapter 13 bankruptcy protection, in which a judge creates a payment schedule that allows you to pay back at least a portion of your debts, your bankruptcy filing will stay on your credit report for seven years before falling off.
Chapter 7 bankruptcy
If you file for Chapter 7 bankruptcy protection instead, this filing will remain on your credit report for 10 years. Under this form of bankruptcy you'll have to sell most of your assets to pay back what you can. The debt that you still can't afford to pay back is erased.
How to Rebuild Your Credit Score After Financial Disasters
But this doesn't mean that you won't be able to qualify for a loan or credit card for a full seven years. The more years that pile up between you and your foreclosure, the less impact a foreclosure has on your three-digit credit score. In year six, your foreclosure will remain on your credit report, but it won't exert the same downward pull on your score.
Make on-time bill payments
After a foreclosure or similar credit-busting incident, avoid being late on bills, eliminate as much of your credit card debt as possible and keep the balances low on your credit cards. If you practice these sound habits, your score will slowly -- but steadily -- rise after a foreclosure.
"Pay all your bills on time. That is the most important thing you can do," says Patrick Simasko of Simasko Law Offices in Mt. Clemens, Michigan. "Don't throw in the towel. Don't think the hole is too deep to dig out of. You can dig out of it. You just have to be fiscally responsible from that point on."
Wait until you can apply for another mortgage loan
Even if you rebuild your credit score and grow your savings account for a down payment, though, you will have to be patient if you want to qualify for a mortgage.
Applying for a mortgage after foreclosure
You'll have to wait at least seven years after a foreclosure before applying for a conventional loan backed by Fannie Mae and Freddie Mac. But you can qualify for a mortgage backed by the U.S. Federal Housing Administration, better known as an FHA loan, as soon as one year after a foreclosure if you can prove that you fell behind on your mortgage payments because of an economic event outside of your control, such as a job loss. If you can't prove this, you can still apply for an FHA-insured mortgage just three years after a foreclosure.
Getting a mortgage after bankruptcy
If you want to apply for a mortgage loan after bankruptcy, you'll also need to wait. If you want to apply for a conventional mortgage backed by Fannie Mae or Freddie Mac, you'll need to wait at least four years if you filed for Chapter 7 bankruptcy and two if you filed under Chapter 13. For an FHA loan, you'll need to wait two years after Chapter 7 bankruptcy. You can qualify for an FHA loan after you have made at least 12 months of on-time Chapter 13 payments.
Lower credit card debt
If you want to apply for a new credit card or auto loan, you won't have to wait as long as for a home mortgage. You'll simply have to build up your credit score over time by never making another late payment and reducing your credit card debt. Depending upon how low your score fell, you might have to practice these good financial habits for a year or more before you start to see any improvement in your score.
Just as with foreclosure, the negative impact of bankruptcy filings lessens over time. Again, you'll need to pay your bills on time and keep your credit card debt low to see your credit score slowly rise as the years pile up after your filing.
Show you can handle new credit responsibly
You want to reduce your current credit card debt to a manageable level, but what if you want to apply for a credit card? This is probably a good idea, if you can handle this new credit. Once you get a credit card, you can begin making charges each month. Pay off your full balance each month on time. If you do this for a long enough period of time, your credit score will steadily rise.
Look into a secured credit card
Don't expect to qualify for a premium credit card with a low interest rate when a bankruptcy filing is still on your credit report. Instead, Simasko recommends that you apply for a secured credit card. To do this, you'll need to make a cash deposit in an account tied to the card. Your credit limit is set based on the amount of your money in that account. This provides protection for the financial institution giving you a card. If you don't make your payments, the bank behind your card can simply take the money out of your security account.
Banks do, though, report payments on secured credit cards to the three national credit bureaus of Experian, TransUnion and Equifax. Make these payments on time each month and you'll improve your credit score.
Diversify credit types and prove you're a low risk
Another way to raise your financial standing is to diversify the types of credit you have on your credit report, such as an auto loan. You can still qualify for an auto loan as long as you show that you can afford the monthly payments. Prove your ability to pay with copies of your most recent paycheck stubs, bank-account statements and W-2 forms. But do expect to pay higher interest rates. Charging these higher rates provides some protection to lenders who are taking on more risk by loaning you money.
"You are going to have to wait for a while after one of these financial issues to apply for new credit or debt," Copley says. "But just because you filed for bankruptcy doesn't mean that you can never become a fiscally responsible consumer. You can. You just have to make it a habit to pay your bills on time. Do that long enough, and banks and lenders will work with you again."
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Personal finance checklist at age 50
January 23, 2017
In a youth-oriented culture, it is easy to feel a little over the hill by the time you turn 50. When it comes to building wealth though, your 50s are the prime of your life - a period when you have a chance to emerge from debt, enjoy your peak earning years and start to see your investments make a serious contribution to your net worth.
To take advantage of this crucial phase of your financial life, it is important to understand some key factors that can help you make the most of your 50s.
Personal finance checklist at age 50
As you look over your financial situation once you turn 50, here are some things you should attend to:
1. Shift more heavily from borrowing to saving
Early in your career, accumulated savings are likely to be modest and it seems you are taking out one loan after another: student loans, car loans, home mortgages, etc. By the time you reach age 50 though, you should have greatly reduced your debt burden. In its place, you should see a growing portfolio of retirement assets. This is the type of trend that can feed on itself: the more you retire your debt, the more of your monthly budget can go to savings rather than loan payments.
2. Estimate your Social Security benefits
The U.S. Social Security Administration will provide you with a free projection of your retirement benefits based on your career earnings so far. While this will remain subject to change based on your subsequent earnings, by age 50 you should have enough of a track record to get a sense of what contribution Social Security will make to your retirement income. This projection can also help you start to think seriously about the pros and cons of retiring early or working longer to achieve the maximum annual benefit.
3. Reassess your retirement goals
In addition to Social Security, look at your other retirement savings and see how much income they project to provide. Knowing where you stand will help you make more concrete plans about the future, including when to retire and what kind of lifestyle to expect.
4. Use catch-up retirement saving opportunities
Looking at your projected Social Security benefits and your savings accounts relative to your goals may tell you that you have some catching up to do. Fortunately, the government gives you some catch-up opportunities in the form off additional tax-deferred retirement contributions to 401(k) or individual retirement account (IRA) plans that you can make once you turn 50. Use this as an incentive to start making extra contributions.
5. Keep your asset allocation aggressive
People often feel their investments should get more conservative as they get older, but age 50 is too soon to throttle back to a less growth-oriented asset allocation. At that age, you are probably still more than a decade away from retirement, and still have an investment time horizon of some 30 or so years stretched out ahead of you. Plus, if you are contributing heavily to your retirement plans, this positive cash flow will help smooth out some of the volatility from growth investments.
6. Update your will
If you first made a will when you started your family, you might find things are radically different by the time you turn 50. Your kids may be on the verge of adulthood and your net worth may be substantially greater, so it is a good time to take a fresh look at what provisions you've made for your survivors.
7. Don't be shy about discounts
Turning 50 makes you eligible for AARP membership. Don't let that make you feel old - just look at the discounts available, and think of it as an advantage you've earned.
8. Take advantage of senior checking accounts
Some banks offer checking accounts for older customers that have no monthly fees. Eligibility is often set at age 50, and with free checking getting harder to find these days, signing up for one of these accounts can be another advantage of getting older.
9. Survey your career opportunities
Since these can be your peak earnings years, you should assess whether your current employer is the best place to capitalize on those years, or whether you could do better somewhere else. To think more defensively, you should also take an honest look at whether your job skills need freshening up so your employer does not view you as out of date.
With proper attention to your finances, this could be your greatest decade for wealth building. After all, it is too late for procrastination and too early for slowing down. This is prime time.
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Turning 30? See this personal finance checklist
15 Steps To Prepare Your Finances For 2017
December 16, 2016
How many times have you resolved to lose 15 pounds or go to the gym more often? Maybe it's time to make resolutions that you can keep for a better 2017.
The start of a new year is a great time to begin an emergency fund, create a household budget or pay off debt.
Several financial planners share their tips on what resolutions and steps consumers can take today that will result in a healthy financial year in 2017.
Here are 15 steps to prepare your finances for next year:
1. Start/build an emergency fund
Wilson Moy, director of financial planning and senior trust officer at AAFMAA Wealth Management & Trust, says that the best move consumers can take is to resolve to build an emergency fund next year.
As its name suggests, an emergency fund is an account -- typically a savings account -- that consumers can tap to pay for life's unexpected events, such as a broken water heater or a blown transmission on the family car.
2. Aim to save 6 to 12 months of expenses
Moy says traditionally, financial experts have recommended that consumers keep three to six months of living expenses in their emergency funds. But that might not be enough today, Moy says.
Instead, Moy recommends building an emergency account that holds six to 12 months of living expenses.
"Things change so fast today," Moy says. "If you're the single wage-earner for your household, what would happen if you lost your job? Three to six months might not be sufficient. Without that emergency fund, you might be forced to make big changes, such as selling your home, if you do lose your income for any period of time."
3. Create or adjust your household budget
Drafting a budget for your household doesn't sound like fun. But Craig Robson, senior vice president of wealth management at the Atlanta office of Merrill Lynch, says doing so is a key step in having a healthier financial year in 2017.
4. Update your monthly income in the budget
Creating a household budget isn't overly complicated. Start by listing your monthly income. Account for any increases in salary or bonuses your employer mentioned for next year.
5. Adjust fixed monthly expenses
Then list your fixed monthly expenses, items such as your monthly mortgage payment, car payment and estimated utility bill. Note if there are any modifications in these costs, like a new addition to the family or the additional expenses of a longer commute.
6. Set aside money for other household costs
Finally, determine how much money is left over. This is money that you can earmark for entertainment, weekly groceries and eating out.
7. Put money toward financial goals
Use the remaining money to achieve your financial goals, such as saving for college or building an emergency fund.
Once you know how much money is coming into and out of your household each month, you can take steps to either reduce your expenses or boost your monthly income to meet your specific financial goals, Robson says.
"Studies show that those who create budgets are more likely to achieve their financial goals," Robson says.
8. Target high interest debt
Kevin McCarthy, financial advisor division manager with SunTrust Investment Services, says before making any big financial moves, consumers should resolve to pay off any debts that come with high interest rates.
This usually means credit card debt, which can come with interest rates of 20 percent or higher, making it the most expensive debt you can carry.
9. Limit dependence on credit cards
Kathleen Hastings, portfolio manager with FBB Capital Partners in Bethesda, Maryland, says the biggest mistake people make is running up their debt. The best resolution you can make, then? To use your credit cards wisely.
Consider only making purchases with your cards that you can pay off in full when your bill comes due. Using your credit cards in this way is smart: You don't have to carry loads of cash with you and you can improve your credit score by paying off your debts on time each month.
"Resolve to stay out of this kind of debt," Hastings says. "If debt gets out of control, it's really tough to eliminate. It compounds. It snowballs. The next thing you know, you are $30,000 or $40,000 in debt."
10. Look into transferring debt to a low interest card
The high interest of certain credit cards make them hard to pay off debt. Some consumers may want to look at the option to transfer their balance to a low or 0 interest credit card. Though the promotional interest rate will not last, they can use this opportunity to pay down the debt. Before moving your balance, compare different cards and be aware of transfer fees.
11. Pay off credit card debt
Financial pros recommend several ways to pay off your credit card debt. Start by paying extra each month on the card that has the lowest balance. Once you pay that off, you can then take the extra cash and begin paying off the card with the next-lowest balance.
Or begin paying off the card with the highest interest rate first, no matter how small or large its balance is. Once you pay off that card, take on your credit card that has the next-highest interest rate.
12. Prepare to max out retirement savings contributions
Kevin Houser, manager partner with Allentown, Pennsylvania's Houser & Plessl Wealth Management Group and one of the authors of "The Book on Retirement," says resolving to maximize the contributions to your retirement plans -- whether 401(k) plans or individual retirement accounts -- is a step that everyone should make.
Most people know this. But they instead let emotion, such as worrying that they'll miss those extra dollars being funneled from their paycheck to their 401(k) plan, over numerical facts dictate their decisions.
13. Raise retirement plan contributions
Instead of devoting, for example 12 percent of each paycheck to their 401(k) plan, they instead contribute only 8 percent. That ends up costing them big dollars come retirement time.
"So often, emotions drive our retirement decisions," Houser says. "The black-and-white of the numbers is easy. People know they should contribute as much as possible to their retirement plans. The underlying shade of grey that comes in when emotions get involved is what clouds our judgment."
To calculate how much to increase contributions to meet your goal, use a retirement savings calculator.
14. Review your insurance
If you haven't had a chance to look over your insurance, from health to life insurance, make sure to go over costs, deductibles and other expenses for next year. For example, you may want to increase your amount of life insurance if your income is now higher.
15. Consider housing options
Are you renting when you should be buying a home or find yourself in a place that is too small? Assess your current living situation, research new housing options and calculate whether you have the finances to make a move. If not, grow a savings account to relocate or see about refinancing to lower mortgage rates.
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Fundamentals of budgeting for beginners
December 8, 2016
Budgeting is a simple concept, yet many people fail to follow.
What best describes your household budget:
- A series of mason jars with money stashed for different expenses?
- You simply spend until you start getting overdraft notices when you try to use your debit card?
- A theoretical concept with few details that you expect will get easier when you win the lottery?
- A carefully-planned, electronically-monitored program that helps you meet your current and future needs?
If number 4 is your answer, then good for you - you are probably in the minority of people with disciplined, well-executed budgets. It's a shame so few fit into that category because efficient budgeting can not only help you use your money better, but it can help grow your wealth and your savings account. A better financial standing can ultimately save you on credit card interest and other borrowing costs, and help you invest your savings more effectively.
The following is a comprehensive overview of budgeting basics to get you on the path toward meeting your financial goals.
Match income and expenses
Budgeting is a way of planning for the flow of money in and out of your bank accounts - usually a checking account, since that is the best suited to regular transactions.
Think of it as an old balance scale. On one side, you have your income and any other money you expect to receive. On the other side, you have expenses and any other money you expect to pay out of your account. The primary objective is to make sure the expense side does not outweigh the income side.
That might be fairly simple if it were a one-time, static comparison, but of course income and expenses are occurring in all the time. That's why another fundamental component of budgeting is planning not just how much you will receive and spend, but when these transactions will occur. Getting the timing to line up is crucial.
Look at recent transactions
If you are starting from square one, the best way to do this may be to look at your check register for the past few months. You can see what amounts flowed in and out, and at what intervals those flows occurred. Now try to project that same pattern forward for the next few months. Once you do that, you will have the beginnings of a budget.
How to deal with expenses that happen irregularly
What makes this a little more difficult is that income and expenses don't always come in regular increments. You might receive an annual bonus, or do project work with variable earnings. Certain expenses, like a dental bill, may only come up now and then. In addition, the cost of seasonal items might be considerably greater in the winter than in the summer, like a heating bill.
Think through these types of things, and try to anticipate them. This is one of the values of budgeting: It helps you see things coming even when they are not routine, month-after-month expenses.
Budget for future needs
The type of budgeting described so far helps you deal with expenses as they come up, but another benefit of budgeting is to anticipate future needs far in advance. For example, if you start setting a little aside for your next car each month, it will cut down on how much you need to borrow when your current vehicle finally needs replacing. Then, of course, there is the big one - creating room in your budget to save for retirement.
Budgeting makes future needs easier to meet because you can spread their cost out over a longer period of time, rather than having to scramble for the money when the need is imminent.
Don't expect to get this all right the first time. An essential part of budgeting is regular monitoring. This is so you can see where you went wrong and adjust accordingly. Budgeting is always a work in progress, rather than a one-time project.
Should you use budgeting spreadsheets and apps?
There are a variety of tools you can use to help automate your budgets. A simple Excel spreadsheet can work, but there are also several web-based programs and apps, many of them free. The advantage of these is usually a managed interface that will help guide you through the budgeting process. Also, being able to access and update tools on a smartphone or other mobile device can help you manage your spending in real time. Just be mindful of security because this also make a lot of sensitive material vulnerable to loss or theft.
You can use state of the art technology, or you an use an old paper ledger. However you do it, making a budget and sticking to it can help grow your money and shrink your financial anxiety.
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This review is from: Assassins Creed III Xbox 360 Game
Pros: This game has improved graphics over Revelations. The story is beautifully written and "fighting" in this game actually takes skill. This is truly the example that other open world games you be looking at.
Cons: It ended.
Other Thoughts: Not all games are created equal. However I feel I got my money worth playing this. I would gladly purchase the DLC's.READ FULL REVIEW
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Pros: Protects your phone like a farmer protects his daughter.
Cons: Volume and power buttons are harder to press but my 3 yo son can't play with my phone that easily.READ FULL REVIEW
This review is from: Panasonic KX-TG7643M Cordless phone DECT 6.0 Plus
Pros: Good Distance. The base is about 30 feet from the other handsets and the reception is clear with no static or feedback.
Cons: It wasn't free.
Other Thoughts: It is bluetooth capable for headsets and can link to your cell phone. All great features I have not used yet. All in all it's a great buy.READ FULL REVIEW

subset: commoncrawl


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Marie-Louise Wagner wrote:
> > So tell us what the hosta situation is like in
> > Austria.
> > Kris
> Slowly but steadily getting better....;-)
Hi Marie--
It's the same in Russia, to which I travel for research. When I started really
looking, I found more hostas than I expected to find. There are many formal
gardens, but these are governmental for the most part and use mostly Victorian
flower-bedding. In private gardens, the main emphasis is on food production
(the economy is disastrous).
So do you find hostas in the nurseries in Austria? The same kind of variety we
have in the States?
To sign-off this list, send email to firstname.lastname@example.com with the
message text UNSUBSCRIBE HOSTA-OPEN


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Redskins TE Fred Davis tears Achilles, likely done for season
It's been a sensational season for the Redskins thanks to the emergence of Robert Griffin III, but injuries are doing their best to hold the team back. The latest nightmare development occurred on Sunday, when tight end Fred Davis suffered an Achilles injury that could end his season.
CBS Sports NFL Insider Jason La Canfora reports that initial tests on Davis' Achilles show that he tore the tendon, which will likely end his season.
La Canfora reports that further tests will be done, but it's very likely that Davis is headed to injured reserve.
Davis was given the franchise tag in the offseason. The Redskins didn't attempt to sign him to a long-term deal because of off-field issues. That makes his injury particularly devastating for Davis, who was on pace for a career-high 832 receiving yards through six games.
He suffered the injury while running a route in the end zone and spent time on the sideline being tended to by trainers. He was then carted back to the locker room, where he underwent a series of tests.
For more NFL news, rumors and analysis, follow @EyeOnNFL on Twitter, subscribe to our RSS Feed watch Pro Football 360 daily at 3 p.m. ET and NFL newsletter. You can follow Will Brinson on Twitter here: @willbrinson.


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BCF) and they moved not alternately, but rather in runs with one playing the opening two moves and then sequences of four.
The BCF coach David Rumens teamed up with eight-year-old David Howell for this event, which included nearly 50 pairs of players; and despite taking a half-point bye in the first round and the not entirely child- friendly schedule - it was held between midnight and 2am - they came third with 3.5/4. Included was this excellent win, in a favourite opening from the British weekend tournament circuit, in which Rumens played moves 1-2, 7-10 and 15-18 and Howell the rest.
White: Rumens and Howell Black: Dykes and Woodward
World Open Doubles, 1999
Sicilian Defence "Grand Prix Attack"
This version of "Doubles chess" is very close to the normal game, however. My own favourite team game is what is normally termed "Double Bughouse" or simply "Bughouse": but I call it by what I first encountered it as - "Baby Chess".
Very suitable for disreputable evenings after the end of tournaments, though I believe it's played seriously in several countries, this is a game for teams of two in which they play on adjacent boards with reverse colours and at the same fast time limit on each. The big feature is the treatment of captured pieces which are transferred to your partner to be placed on their board as they see fit. There are different possible rules about dropping pawns - can they be promoted and do they stay as such when captured - and whether pieces can be dropped with check.
In my (possibly rather crude) opinion, it's much better if you can drop with check and even mate, as in the following example.
Apparently about to be mated, Black to move might have a queen in hand. He would then scream (or whisper, though the former is more likely) for a knight.
1 ...Nh3+! 2 Kh1 (if 2 gxh3 Qg2 mate) 2 ...Qg1+! Now if 3 Rxg1 Nxf2 is mate, so White would have to stop and hope that his or her partner could win in time on the other board. Mayhem!
1 e4 c5
2 Nc3 Nc6
3 f4 g6
4 Nf3 Bg7
5 Bc4 d6
6 0-0 a6?
7 d3 b5
8 Bb3 Nf6
9 Qe1 0-0
10 Qh4 e6
11 f5! exf5
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Acorn Tours of Boston
64 Weed Street, Lowell, MA 01852
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Private,historic and sightseeing tours of Boston and New England. Driving tours of varying lengths. Boston-2-hour walking tours. Languages: English,French & German
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The growth in extraction and production has been matched by significant investment opportunities in upgrading facilities and transportation infra-structure.
Over 80 percent of bitumen produced in Canada is exported to the U.S. through existing pipelines. The bulk is delivered to upgraders in Petroleum Administration for Defense District (PADD) II (U.S. Midwest region), with the balance delivered to PADD III (Gulf Coast) and PADD IV (Rocky Mountain). The National Energy Board's most recent oil sands report indicates that the industry should maximize its volumes in its traditional markets of PADD II, PADD IV and Washington State, with further market expansions and extensions later in the decade into California, PADD III and the Far East.
As demand for oil grows, markets with great potential for Canadian crude continue to emerge. California and the U.S. Gulf Coast both provide significant demand for medium and heavy crudes. Crude oil is currently shipped to California via pipeline and tanker. The U.S. Energy Information Administration predicts that a new or expanded pipeline to California will eventually be required to serve the growing demand of that market.
Proposed pipeline expansions to new and existing markets include proposals by corporations such as Enbridge Inc., Kinder Morgan and TransCanada Pipelines Limited to build and operate new pipelines and storage terminals.
Enbridge, for instance, has proposed the Northern Gateway Pipeline that would transport crude oil from Edmonton, Alberta, to a new marine terminal in Kitimat, British Columbia, whereby it would be shipped to China and other Asia-Pacific markets. The Northern Gateway Pipeline is currently seeking regulatory approval, and would represent a further expansion to Enbridge's existing pipeline systems in Canada and the U.S. Enbridge's Southern Lights diluent delivery system came into service July 2010 and carries product through 2,556 kilometres of pipeline originating near Chicago, Illinois, and terminating in Edmonton, Alberta. The Southern Lights project also includes the LSr Project, a 313-mile, 20-inch crude oil pipeline from Cromer, Manitoba, to Clearbrook, Minnesota. It added needed capacity for light/sour crude (thus the LSr name) between Cromer and Clearbrook. The LSr Pipeline was brought into operation in February 2009. Construction and line fill of Enbridge's Alberta Clipper Pipeline from Hardisty, Alberta, to Superior, Wisconsin, was completed in October 2010. Current capacity of the Clipper is 450,000 bbl/d, with ultimate capacity of up to 800,000 bbl/d available.
In June 2010 TransCanada commenced commercial operation of the first phase of the Keystone Pipeline System. Keystone's first phase was highlighted by the conversion of natural gas pipeline to crude oil pipeline and construction of an innovative bullet line that brings the crude oil non-stop from Canada to market hubs in the U.S. Midwest. An extension of the Keystone Pipeline from Steele City, Nebraska, to Cushing, Oklahoma, went into service in February 2011.The further proposed extension, the Keystone XL Pipeline, is currently on hold while the U.S. government conducts an additional environmental review, but TransCanada believes the pipeline will still be operational by 2013. The Keystone XL Pipeline is a 2,673-kilometre (1,661-mile), 36-inch crude oil pipeline that would begin at Hardisty, Alberta, and extend southeast through Saskatchewan, Montana, South Dakota and Nebraska. It would incorporate a portion of the Keystone Pipeline (Phase II) through Nebraska and Kansas to serve markets at Cushing, Oklahoma, before continuing through Oklahoma to a delivery point near existing terminals in Nederland, Texas, to serve the Port Arthur, Texas, marketplace. The Keystone XL Pipeline is cited as having an initial commercial capacity of 500,000 bbl/d and is estimated to cost approximately US$7 billion.
Kinder Morgan completed construction in late 2008 on the Anchor Loop project, its Transmountain Pipeline expansion, which runs across Jasper National Park and Mount Robson Provincial Park. The addition of the Anchor Loop increased the capacity of the Trans Mountain pipeline system from 260,000 bbl/d to 300,000 bbl/d, and helped to alleviate capacity constraints on Kinder Morgan's existing system resulting from increased oil sands production.
Essentially all of the bitumen extracted from the oil sands must be upgraded; oil sands operators must therefore decide whether or not to do field upgrading. Upgrading transforms bitumen into synthetic crude oil, which commands a higher price when sold to refineries. Upgrading requires substantial capital and technological resources. The process enables producers to eliminate risks arising from the heavy oil/light oil price differential and further eliminates diluent cost risk and supply issues. Ultimately, the question for producers is whether the promise of higher, more stable netbacks (that generally result from an upgraded product) will offset the substantial capital costs.
The location of upgrader facilities has been influenced by economies of scale and cost factors such as shortages of skilled labour. Integrated oil sands operators have chosen to locate, expand existing and convert existing upgraders in the U.S. where larger facilities provide cost advantages over Canadian greenfield or expansion projects.
In October 2006, Encana and ConocoPhillips entered into a US$15-billion joint venture that includes Encana's heavy oil projects in the North Athabasca region, along with ConocoPhillips refineries in the states of Illinois and Texas. The partnership plans to expand processing capacity at these facilities from approximately 60,000 bbl/d to 550,000 bbl/d by 2015.[1] Husky Energy and BP have entered into a similar arrangement in their Sunrise project, where Husky transferred 50 percent of its oil sands holdings for 50 percent of BP's refinery near Toledo, Ohio. Husky acquired the Lima refinery in Ohio and plans to reconfigure and expand it to process heavy crude oil and bitumen.[2]
The possible regulatory and environmental impediments to the addition of oil sands upgrading/refining capacity in the U.S. have yet to be adequately assessed, but in Alberta they are better known and quantifiable. The issues companies confront in acquiring U.S. upgrading/refining capacity may ultimately prove more disruptive to project timelines than the constraints faced in Alberta projects. In addition, there is a significant governmental push to encourage producers to upgrade in Alberta. Currently, there are five upgraders in Alberta with a capacity of almost 900,000 bbl/d.
[1] "Encana, ConocoPhillips in $15B U.S. oilsands joint venture" (5 October 2006), online: CBC News http://www.cbc.ca/money/story/2006/10/05/encandaconocophillips.html
[2] "Husky Lima Refinery" (April 2009), online: Husky Energy
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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Bennett Jones LLP
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291 E 300 N Huntington, UT 84528
Hi, Blueroof .com.
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and I have a question about 291 E 300 N Huntington
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My Question Is:
Estimated Monthly Payment$5,051
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- Status: Active
Listing courtesy of Bridge Realty
Cute home on corner lot. Great garden area. Mature fruit trees. The basement is partially finished. Priced to sell. Square footage taken from Emery county records. Buyer to verify.
Interior Features Include:
Dishwasher, Built-In, Range/Oven: Free Stdng.
Basement Full
Fireplaces 0
Heating: Gas: Central
Floor Type: Hardwood, Linoleum
Exterior Features Include:
Acreage: 0.1900 Acres
Lot: Corner Lot, Fenced: Part
Landscape Fruit Trees, Landscaping: Part, Vegetable Garden
Roof: Asphalt Shingles
Exterior: Aluminum/Vinyl
Garage/Parking: Parking: Covered
Carport Capacity: 2
Other Features Include:
Inclusions: Ceiling Fan, Range, Storage Sheds
Amenities: Cable Tv Available, Electric Dryer Hookup
Water: Culinary, Irrigation: Pressure
Utilities Gas: Connected, Power: Connected, Sewer: Connected, Sewer: Public, Water: Connected
Storage Carport, Basement
Taxes 501
School District: Emery
Information deemed reliable but not guaranteed accurate. Buyer to verify all information.The multiple listing information is provided by Wasatch Front Regional Multiple Listing Service, Inc. from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2014 Wasatch Front Regional Multiple Listing Service, Inc., All Rights Reserved. The information provided is for consumers, personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


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Friday, February 24, 2017
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'Happy Days' Cast Invades Bikini Bottom for New 'SpongeBob'
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'King Julien' Debuts on Netflix in December
DreamWorks Animation's most notorious party animal is getting ready for his very own non-stop rager as All Hail King Julien is set to launch on Netflix. The first five 22-minute ... Continue Reading →
MAD's Kevin Shinick Talks About the 100th Episode
It's hard to believe that Cartoon Network's popular MAD series will hit the big 100th episode mark this week. The Emmy and Annie Award-nominated series will premiere a special ... Continue Reading →


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PHP Script needed
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- Total Bids 16
Project Description
I have an Event Scheduling Script that need modification or additional script.
The script is now designed for a single company to use. My main need is to write a front end script to allow multiple companies to pay, access and use this script instead of a single user. I need to create multiple company profiles for users, assign a unique ID number to them and charge them for this service. There will be 2 or three levels of subscription. The current script has payment gateways for [url removed, login to view] and PayPal already. I need to create a piece of code for this existing code that will allow us to have separate profiles for several companies to use. Meaning, they create a profile, pay for the use of my booking/event calendar system and then they have full access to use the booking system the way it is designed, but with multiple users of their services.
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VaporGenie Vaporizer
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The Classic VaporGenie blends modern vaporization with traditional design. Perfect for on-the-go use, the VaporGenie is portable, lightweight, and ready for use in seconds. The Classic VaporGenie utilizes a flame source such as a lighter or hemp wick to heat its ceramic filter and create smooth, clean vapor.
How it WorksUnscrew top and load finely ground blends into the chamber. Replace top and begin to apply flame from a lighter or hemp wick, making sure not to touch the flame to the ceramic filter directly. You can control the temperature by changing your speed of inhalation and adjusting the amount of flame applied.
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Call (888) 651-9785
October 2016
It was excellent value and Chris was a great guide. We learnt so much more than we ever could have done wandering around on our own. Highly recommended. Joan and Vicki
October 2016
We learned a lot, interesting throughout and very knowledgeable guide
September 2016
Very informative and fun.
August 2016
Highly recommended! I'm really glad I did this given the short amount of time I had to experience Melbourne. I saw buildings, lanes and arcades I probably wouldn't have stumbled upon if left to my own devices. Tons of great Kodak moments and I learned a lot about the history and architecture of Melbourne. Very informative!
August 2016
Have been to Melbourne many times but this was the first time we did the walking tour. Chris was outstanding and so knowledgable. His passion for the city shone through on a drizzly Melbourne day. I recommend it to all visitors.
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July 2016
This was a great tour , our guide Chis was very knowledgeable, it was a great way to learn about Melbourne and its history, very enjoyable.
July 2016
I booked this in an effort to push through the jetlag on my first day in Melbourne and it was fantastic. For a modern city there plenty of history to learn. Graffiti sites are brilliant and our guide was so helpful in making recommendations for the rest of your time there
July 2016
Awesome way to learn Melbourne highlights
July 2016
A thoroughly enjoyable tour, we saw and visited place/things we never would have seen without a guided walking tour. Our guide Chris was really interesting and had a vast knowledge of all things 'Melbourne'. I would thoroughly recommend doing this tour on the first day of a trip to Melbourne, then heading back to investigate the interesting little arcades and laneways that intrigued.
July 2016
I have done a number of walking tours in different places and find them a great way to find out more about a location. This was another such experience and I was able to learn about the history of the areas we walked through with certain features identified that the casual eye may not have noticed. Chris was able to share info re Melbourne past and present and with the speed of turnover in the street art in the Laneways even he was treated to something new! He was able to keep diverse interests tweaked from the different folks on the tour. Thanks, Chris for an enjoyable few hours. :
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About Me: What I Like to Wear Craft and Free Template for Back to School. Kids can decorate 1 of 4 templates in their favorite clothes to display their personal style for all to see and get to know them. #firstdayeveryday #ad @kohls @carters (Back to School, Clothes, Preschool, Kindergarten, Free Printable)


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Jimmy's Auto Radiator & Repair Service
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Season 2 of the Overtime podcast is here! Listen to the first episode with Meg Robichaud now.
Something I did for IDEO a while back. Not sure if it ever got used. The PM was a total dick. Anyway... a nice change of pace from the usual UI stuff I've posted lately.
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text: On Friday, North Korea endured quite a setback on the international stage with the failure of its long-range missile launch. Also figuring in among the topics for this week's panelists—Arianna Huffington, Robert Scheer, Carly Fiorina and Matt Miller—on "Left, Right & Center" are taxes, the Trayvon Martin court case and Apple's pricing problem. Take it away, folks. —KA


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In order for us to find you an ideal match, we first determine what it is you are looking for physically in a companion. To say beautiful or gorgeous is not enough. Since beauty is subjective and in the eyes of the beholder, it is also important to note that we serve an international clientele and the concept of what is beautiful is vastly different among those cultures. You may have a taste for women that are very slim while here in New York and to native New Yorkers, that is a body type that is rarely requested. You many come from an area of the world where the women are more darker skinned and hence prefer someone of darker skin tone. Or you may want a woman of fair skin tone and light eyes. Perhaps you have a taste for petite women of 100lbs or less. Maybe its the opposite of that and you prefer a large woman that is tall, busty and curvy with a full figure. Again, peoples taste in women is very different and for those reasons its important to have an idea of your perfect match. Her height, weight, measurements, skin color, hair color, eye color and as much information as possible in order for us to find the perfect match for you. Our out call girls we meet you in minutes.
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Why Choose An Escort Service
There is no better way to improve your confidence and self esteem than to spend some time with any of our ladies. After you are done basking in the glow and excitement that the most beautiful lady has arrived to spend time with you, and take notice of what is around you you will notice something very interesting. The first thing you will notice is the level of attention and respect you get from everyone in your immediate environment. It is very difficult for us to describe but you will notice doors opening, people approaching you and women flirting with you. Something about having a gorgeous woman on your arms that draws people in to you like moths to a flame. People are magnetically attracted to men that are in the presence of a good looking girl.
No one will ever expect that you hired a female escort from our service, but they will want to know how it is that you got so lucky. Once you realize this and savor the moment you will begin to notice that you will change on the inside. You will begin to act and feel like a man that is always surrounded by beautiful girls. This has the effect that it begins to fulfill your daily life and actions so that you are more confident and self assured. The result of this is more opportunity and more doors open for you in ways that you only thought happened to the lucky. You will begin to experience that there is no such thing as luck and only a frame of mind that draws opportunities to you, and that secret is the result of spending time with a New York city escort from our agency.
Whats most interesting when hiring a escort from an escort agency you will find that these ladies truly love men. They love to go out on dates and meet new men from all over the world. Yes they are with you because you called our service and made a reservation with the girl but she is there and she is enjoying herself just as much if not more than you are. Sure they have plenty of opportunities and men that are pursuing them all the time but its when there is an element of no strings attached that allow these ladies to truly be themselves. This is the premier reason dating an escort is superior to dating a non paid companion. In a non paid companion situation much of the limited time you spend with a lady is her on "auto programming". That's the programming that shuts off the real her and puts on a facade of getting to know each other, which never goes anywhere. While you are exchanging facts and figures and giving and exchanging resumes there is no fun that is happening.
While you waste precious time with the typical talk you are boring her and yourself and losing out on opportunity to enjoy yourself. With an escort you go right into the fun. She doesn't need to know how many brother and sisters you have or who you want to win the world series or next election. That talk you can have with anyone and everyone and get nowhere. These ladies presuppose all that, and assume you are the man of their dreams and that you feel the same about her. Once this is presupposed you guys can have judge free fun that everyone truly craves for when meeting someone new. Our female companions are masters at cutting through the small talk and just living in the moment. Many are experienced strippers, erotic entertainers, exotic dancers, massage providers and expert at role play and other adult entertainment. It is a feeling that you will never experience without the services of a professional companion.
Escorts For Any Occasion
The providers and companions from our service are experienced and available for a wide range of occasions and event. Some of the most requested events that our ladies are procured for include..
Bachelor Parties – This goes without saying. It is the most requested occasion that our agency is contracted for. A bachelor party is the ultimate event in which an escort is ideal. This is a time for the best man to show the groom the night of his life and give him a last taste of being single. The guests of the bachelor party are all participants in this event and its important that they also get a feel for the good life. A group of escort are perfect for a bachelor party. Allow them to put on a show, flirt with the guests, dance, entertain and make the guys feel like guys.
Divorce Parties – Most folks see divorce as a bad thing but we don't see it that way. It would be bad for a couple to continue being married despite their animosity towards each other. The divorce should be a time of celebration of ones freedom and choice to do what is right and not what others think is right. We feel that the longer a divorcee has been married and ties to someone they despise the bigger the celebration should be. Not only is a party in order but to flirt and mingle with beautiful girls is exactly what a man needs once he gets out of his marriage. Its good for the health and well being. Take the time to enjoy yourself and forget about the past and enjoy your new future as a new man that is a ladies magnet.
Dates, Guides, Companions– Another famous request when a man is new to town and doesn't have company to spend a night on the town. There is no better way to enjoy the area than with a gorgeous escort on your side. Everything tastes, looks and feels better in the company of a pretty girl. Enjoy your night on the town, taking in the sights and seeing what our great city has to offer. Take part in the local action anywhere in the tri state area including the 5 boroughs Brooklyn, Queens, Manhattan, The Bronx and Staten Island. Each area has alot to offer and have their own unique flavor. Experience the whole NY by spending time in all the boroughs and all the neighborhoods. Our service services all these areas and are never more than a few minutes away from you.
Couples Experience – This is a big request as well. It is no secret that as a couple it takes some creativity to keep the excitement alive. There are many ways to accomplish this from the more timid to more extreme. For those are excited by the idea of having another female entertain your mate and escort is perfect for that. Most couples want to experience something new, but without the stigma and hassles of going the traditional route of dating, dating sites or meeting people out and about. There are too many variables that can jeopardize a relationship which would be counterproductive to what you are trying to accomplish. If you're out to add a little spice to your relationship by introducing another female into the mix, the last thing you want to do is add variable that can take you off your goal.
An escort is perfect in these scenarios because there is no strings attached. The companion is paid to be there and knows how to work off the dynamic the couples are setting and work with that to make a unique experience. The risk of bringing in a non professional to the dynamics of a couple just looking for something different are too many to consider. With a paid companion you can be at ease knowing that there is no commitment, no judgement and no promises. Just straight up fun and excitement by having her in your presence. This is by far one of the most logical times to use the services of an escort.
New In Town – Welcome to New York and thanks for choosing our city as your home. Now that you're here have you made any friends? do you know where to go or what to do? have you made any connections with party promoters or door people? where do you start? These are all questions im sure you have asked yourself with you first got settled. Perhaps you started reaching out to grow your social circle but haven't yet broke into the right one. Our ladies are connected to everything that is happening in the city. The know the parties, the hot spots and the places to be. This is the perfect jump start to your social life as you must start somewhere. Meet the right people and you will never be alone. Meet the wrong people and your social life will be as exciting as a wet paper bag. Our ladies are perfect for you to start your roots here and hit the ground running.
Naturally we could go on and on and find a gazillion of reasons why our providers are perfect for you and for your time here in New York, but we only listed some of the more popular reasons. Everyone is different and I'm sure that at least one of the reasons we list above has crossed your mind. If it has, then you owe it to yourself to call us, if it hasn't you owe it to yourself to call us. In fact we can't come up with any reason to not call our service. Everyone loves the company of a fun, gorgeous person. That's a fact. And that fact only means there is absolutely no reason why you shouldn't call.
Well, maybe a few… If you are below the age of 18, if you have a history of violence or hatred towards women or their lifestyle, if you do not have a location to entertain or destination in mind and of course if you can't afford it. These are the only reason we can think of for you not to hire an erotic entertainer from our agency. Other than that, give us a call.
If you have never used the services of an escort agency rest assured we understand and can walk you through the process so that its as easy as possible. While many men choose other forms of entertainment, very few offer the unique experience that an escort can provide and that is interactivity. Most forms of entertainment are passive in that you sit and watch. There are some forms of interactive entertainment but they are not 2 way as it is with a companion.
With a companion you are talking to, sharing and exchanging and enjoying your time the way you want to without all the hassles and headaches of other things like dating or personal sites. The biggest factor that make those things inferior is the cost factor involved in meeting someone new. It's a given that you will be paying for your new friend by the way of cabs, dinner, movie, drinks etc etc and your companion will be paying with her time, makeup, clothes, perfume, shoes etc etc and unless she is compensated for her time many women are simply not motivated to meet someone new. We take that out of the equation because a paid companion has all the motivation she needs to spend that time primping and getting ready to look and be her best. You are the man and you are in charge.
This is ideal and the perfect form of entertainment in existence. Everything else that exists in entertainment such as strip clubs, porn, bars, shows etc etc are all fluff looking to replace the real value; a one on one connection with someone fun and interesting. This is the reason our service and ones like it exist. To serve the basic human need of interaction. We are social creatures and need interaction to live a sane, healthy life. Our service goes above and beyond just as a provider of female companions, we fill a need that many people are in desperate need of these days.
Largest Selection In New York
We have a large selection of escort girls from all over the world. Our ladies come from far and wide to work for our agency because of our reputation and our commitment to excellence. They realize that since we cater to a wide and diverse clientele that we have a home here for gorgeous ladies no matter what part of the world they are originally from. What this means to you is that if you have a preference for a lady from your native county we can accommodate you. Not only are the culturally diverse, but they are physically diverse. Our ladies are beautiful and there are so many to choose from and so many shapes sizes and looks that we can match even the most pickiest and selective folks.
Here is a list of some of the most requested types and nationalities of the escort girls in our agency. These list is just a sample and does not include everyone, but merely the most requested and readily available…
- American
- Italian
- French
- Spanish
- German
- Irish
- Polish
- Russian
- Turkish
- Portugese
- Norweigan
- Swedish
- Albanian
- Austrian
- Swiss
- Romanian
- Belizian
- Cuban
- Dominican
- Puerto Rican
- Canadian
- Mexican
- Columbian
- Argentinian
- Brazailian
- Greek
- Cambodian
- Philipian
- Australian
- Slovakian
- Hungarian
- Dutch
- English
- Haitian
- Jamaican
- Equatorian
- Chinese
- Japanese
- and much much more
The types of ladies you might be into and their physical attributes include…
- Tall
- Short
- Petite
- Large
- Curvy
- Full Figured
- Thin
- Skinny
- Busty
- Apple Bottomed
- Big Booty
- Divorcees
- College Coeds
- Blondes
- Brunettes
- Red Heads
- Couples
- and many many more…
Escort Service To Your Door
Our agency offers what is called outcall or out call service in New York. Which means that our ladies go to your location. It is a delivery service direct to your door. When you call you must have a location or destination in which to deliver our out call girls to you. You need to provide us an address for us to send the lady to you. This could be any venue, hotel, residence or motel in the tri state New York area that we provide service to. For security and safety reason we will ask for a list of the venues you plan to visit as this help us ensure that our ladies are accounted for. Additionally we can arrange for transport to and from the locations to ease the burden on you and ensure that you can focus on your lady and she can focus on you. This is perfect because the last thing you want to spend your time doing is figuring out where to go and how to get there and we do that for you with our NY escort service.
We realize that many of you have never had an experience with an escort in New York city or maybe the services of an escort agency in NY but rest assured we have the experience and expertise to make your booking go easy, quick and ensure that you get what you are looking for without any surprises or additional fees. Your first call to our agency will go smoothly and efficiently as our booking specialists are experienced in determining your needs and the best way to meet them. We do not provide a location for you or a location to select any of our companions. Our girls are dispatched from many areas around New York City. They do not have a central location. You can choose the girls from the gallery on this website and see theirs bios, profiles, photos and everything you need to make an informed choice.
Once you have completed your reservation and have met with your companion you will look back on your 1st experience with a sense of pride and relief. Relief in knowing that you now have one company that you can rely on 24 hours per day 365 days per year when you need some company or someone to accompany you to any event and for any occasion. You will keep our phone number on lock and will call us often. That's how confident we are that you will want to continue using our service to meet some of the finest exotic providers.
Another benefit of some of our providers is that you will get a lady on demand. You get to meet a girl, when you want on your time, for as little or as long as you want. You get to pick the location or have her come to your place as a guide, while you sit back care free and await her arrival. Stay home, go out, paint the town red or lay around in your PJs it doesn't matter. Once you've had enough, you simply say "you can go now" and she is gone. No need to stop what your doing or get involved with seeing her off or checking to make sure she got home. No fear of being rude or turning her off because you just want to lay down and be done with her. Drama, hassle and headache free. Shes there when you want and gone when you want.
There is no better arrangement than one like this. Usually if you have a lady over as a guest you have to tend to her wants and wishes and see to it that she gets home ok. You have to be graceful in ended the date and be sure to do it gently if she hasn't asked you to take her home. Either way having a guest is a big pain in the butt. Our service work on demand. You call use, we send a girl, you tell her to leave she goes. She is not looking for you to do anything by the book as she is there for you and to make you feel good. Not the other way around.
Today dating is such a waste of time and money. People spend their precious time and money getting to know each other so that hopefully that can later do things they enjoy like dancing and traveling and sharing moments that are truly rare. They dont connect because they spend their time screening and interviewing and trying to impress each other. The reason that doesn't work is because that programming doesn't allow a women or man to reveal their true selves so date after date goes by and you really never get to know the person well enough to open up and be yourself and enjoy the moment. Instead you're trying to impress and engaging in interview like meetings that no one likes. Not even the girls. Sure they might get a meal and drinks for free but they're not even comfortable with that. A girl holds back her appetite and drinking as a way to impress you and to avoid being judged. An escort never has to worry about any of that. She is her true real self, suspending all judgments and formalities and focused on only 1 thing, making you happy and feeling good. Making you feel like a king and man to be worshiped and adored.
Open 24/7
Our escort service never closes. We are open through every holiday, event, weekends and every minute of the day because we know that people need people and sometimes that doesn't happen on the clock. A guy breaks up with his girlfriend in the afternoon and in the middle of the night needs someone to talk to. Another guy comes into town, on the late flight and by the time he checks in and gets settled needs someone to hang with. A date cancels at the last minute and all his friends are already busy but hes got a function to attend and needs to bring someone. A couple had a few drinks and talks about meeting a girl, but its late and they're not dressed to go out. Its situations like these that we are here for you. You can call us anytime day or night and someone is available to meet with you. Its that simple. Our escort service in NY is on call to come to you 24 hour per day. Granted the line up changes and the selection is different throughout the day but there is always a large selection of exotic entertainers to accompany you.
Accepting Cash & Credit Cards
For your convenience we take cash and credit cards as payment for our models. A cash payment is to your escort when she arrives at your location. Please be discreet and respect her time and have her payment ready the moment she arrives and introductions are made. This way you can enjoy your time without anything holding her back or standing in the way. It is policy that she collects her payment on arrival. She is very busy and if payment is not made promptly she will have to cancel and conclude your reservation. There will be a few for her transport and time to get to you and she will move on to other appointments if payment is not made promptly.
If you intend to use a credit card be advised that our billing is very discreet. The charge on your card will appear from NYES New York for the total amount. it is required that you get a pre approval and authorization to use a credit cards to book a paid companion. Additionally a valid government ID matching the card holder, and a physical swipe of the card is required as well. You will also be given a delivery receipt in which to sign in addition to your credit card signature. The process is more involved than using cash and please allow time for this when you plan.
Book An Escort Now
Where ever you are and what ever you are into we have an escort for you. Our service is ready to take your booking and send a lady to your door. She will arrive shortly after you hang up the phone with our agency. We don't need an advanced reservation or membership to join to see any of our erotic ladies. Just 1 simple phone call to our agency and your lady will be on her way. She is never more than a few minutes to your door and she is always looking to meet with you right away. Our operators are standing by waiting for your call. The next step is up to you. if you're not ready now but have questions we are here for that too. Let the phone girl know what your plans are in New York and allow her to do the rest. She will offer suggestions and more to make your stay here one to remember. We want you to be happy with the services of our agency while you're in New York.
If you were searching online for escorts or an escort service these sites do not give a definition of what we offer. We do not offer sexual service or sex for favors. We are a legal escort agency offering escorts. Our ladies are not call girls and are not sex workers.


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