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Lego Batman Movie
Come see this fun family favorite in on the Lost Oak lawn! Dress up as your favorite superhero. All-ages superhero parade before the movie starts!
A cooler-than-ever Bruce Wayne must deal with the usual suspects as they plan to rule Gotham City, while discovering that he has accidentally adopted a teenage orphan who wishes to become his sidekick.. See movie website here.
Longhorn Detachment 1069, Marine Corps League will be selling hot dogs with proceeds benefitting their organization. Lost Oak will be selling Gourmet cheeseboards and Boar's Head meats and cheeses in the Tasting Room. As always, feel free to bring your own food and drink, but please, per TABC regulations no outside alcohol.
Get your tickets right here! Ages 0-2 years old are free. Ages 3-99 years old are $10/person. *Must have ticket to attend. Ticket price covers admission into the movie. Tickets are non-refundable.
This is an online virtual ticket purchase. The ticket purchaser will receive an email confirming your purchase, with an attached .pdf of your ticket. You are welcome to show us this email confirmation when you arrive at the event. We will also have a list of all persons who purchased a ticket at the event. No tickets will be sent by mail. Shipping information is a requirement of our software, and provides us the list of persons who have purchased tickets.


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Easy Lasagna
I love this recipe I adopted from noblepig.com! It's super easy and delicious. Instead of lasagna noodles you use ravioli! It's genius!
Here's what you'll need: 20 oz. fresh cheese ravioli, at least 20 oz. marinara sauce, 10 oz. frozen chopped spinach (thawed and squeezed of excess moisture), 1 cup mozzarella, 1 cup cottage cheese, 1 egg, 1 tsp oregano, a dash of nutmeg (not shown), parmesan.
Mix together the spinach, cottage cheese, mozzarella, oregano, nutmeg and egg. In a greased, 9 X 9 inch pan, spread 3/4 cup of marinara sauce. Add 30 ravioli on top of the sauce.
On top of the ravioli, pour another 3/4 cup of marinara sauce. Then cover with the spinach and cheese mixture. Add 30 more ravioli, then spread the remaining 3/4 cup of marinara sauce. Cover with aluminum foil and bake for 30 minutes. Let cool for about 10 minutes, then sprinkle with parmesan cheese.
If you're like us, it serves 4. If you eat normal serving sizes, it serves 6. Enjoy!
10/04/2010 12:18
This looks delicious! Do you think I could make it and freeze it so I'll have it to use in the weeks right after the baby is born? Thanks for sharing this Molly!
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Vanessa McMullen
GCSC Liaison and Host, Toronto
t. 416-304-9823 ext 2056
Email me | Join my network | My tips and advice
As a kid, growing up in a small town two hours north of Toronto, I never thought I would leave. Surrounded by beautiful lakes and constant peace and quiet, it was upsetting to even think about moving. Until, of course, I was old enough to leave.
With only one month left before graduating from high school, I was still unsure of what I would do next. While doing some research on potential travel destinations, I received an offer from Wilfrid Laurier University for their Communications program. I immediately accepted this offer and couldn't wait to experience university life. Unfortunately after my first year in Waterloo, Ontario, I realized that I wasn't in the right place. I quickly made the decision to move home, where I took the following year to work and figure out my next steps.
My next move was to Toronto to attend George Brown College for Business Marketing. During my second year, I was very fortunate to meet Sheila Cassidy, the Director for The Great Canadian Sales Competition. After hearing about the Competition in my sales class, I knew it was something I needed to be a part of. I was hired on as an Ambassador and the Team Lead for George Brown College. As a result, our team achieved 175% to target of submissions, ranking in the Top 25% of all participating schools in Canada.
I recently decided to extend my stay at GBC – I'm now apart of the Advanced Business Marketing program and will be graduating in December 2016. I'm very excited to be on-board for the third year of The Great Canadian Sales Competition as the Competition Liaison and Host!
For the love of sales!


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BIO Nightcrashers is the innovative DJ duo who have conquered the UK club scene and garnered public attention by playing for celebrities including Jay Z, Rihanna and P Diddy; in addition to providing playlists for Hermes, ELLE Magazine and Naomi Campbell's Fashion for Relief. DJ Prince Charles and DJ Jojo, who originally hail from Paris, make up the Nightcrashers and follow in the footsteps of other famous Parisian DJs such as David Guetta and Daft Punk. Having played in party capitals around the world, including New York and Dubai, the Nightcrashers are establishing an international presence and are looking to bring the best of their talents to Paris and take the city by storm. The creative duo have created their signature sound by infusing Hip Hop with electro beats in many of their remixes, which include Chris Brown's Beautiful People and Bruno Mars' Grenade. While many DJs provide good music, the Nightcrashers play great music and create a dramatic atmosphere by recreating old school 80's DJ set battles. The battles integrate music and sound clashes, getting the crowd hyped up and giving them something to talk about for the rest of the night. In addition to spinning for VIP guests, they own a record label company, Nightcrashers Records. Under their label they have worked with many upcoming musicians and in 2011 produced the club banger Welcome to the Party by British rapper Master Shortie and DJ Adam. For Paris Fashion Week A/W13, the young DJs have collaborated with MODZIK Magazine to do a music review of the best soundtracks at fashion shows. The review will include a daily video diary on www.modzik.com with backstage interviews of designers, models and celebrities, images from the show and their favourite soundtrack. You haven't partied hard until you've nightcrashed your night away. Contact haiti73.com for information
CONTACT AGNES CAZIN firstname.lastname@example.com Mobile: 00 44 (0)7 809569126 WWW.HAITI73.COM WEBSITE WWW.NIGHTCRASHERS.COM WWW.NIGHTCRASHERRECORDS.COM FACEBOOK WWW.FACEBOOK.COM/NIGHTCRASHERS WWW.FACEBOOK.COM/NIGHTCRASHERRECORDS TWITTER WWW.TWITTER.COM/NIGHTCRASHERS WWW.TWITTER.COM/DJPRINCECHARLES WWW.TWITTER.COM/DJJOJO MUSIC WWW.SOUNDCLOUD.COM/NIGHTCRASHERS VIDEO WWW.YOUTUBE.COM/NIGHTCRASHERTV
Published on Apr 1, 2013
small press informaton created for the need of my internship.


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Brand new printed flannel pajamas are here! I am so excited that these cozy new pajamas are available now in four new prints. Some of your favorite prints from last year are back in stock in very limited quantities, shop now for the best selection.
Category Archives: A Good Night's Sleep
Your Cashmere Robe helped someone!
Did you buy a pair of our luxury cotton pajamas or a cashmere robe during the GOGIRLS sale in August & September? If so 20% of the proceeds went to a GlobalGiving project that is helping to finance higher education for women and girls in Nepal who are survivors of human trafficking. Thank you so much for shopping with us then, it was for a very good cause! To learn more about the project or make a donation visit the project page. Happy #GivingTuesday!
Cashmere Robe Sale!
During our best sale of the year 20% of the proceeds from every cashmere robe (and every other item) will go to a globalgiving.org project that funds education for girls. If you are planning on buying a cashmere robe this year make sure to enter code GOGIRLS and save 20% for yourself as well! Our cashmere robes are available in 5 new colors, and are made of 100% Scottish Cashmere yarns. We will make the official project donation 30 days after the sale concludes to allow time for any returns/exchanges and then after the return period has passed we will select the final project and announce what was chosen on the blog. If you have a moment and would like to share your thoughts please visit www.globalgiving.org and check out the current listings for projects that fund education for women. Stock up on our cashmere robes & luxury cotton pajamas during one of my favorite sales of the year!
Thank You for Shopping!
Thanks to our #GivingTuesday shoppers we were able to donate 1,000 measles, mumps, and rubella vaccines to children in need. Thank you for every Cashmere Robe, Egyptian Cotton Pajama Set, and Flannel PJ you ordered. Hope you enjoyed the sale!


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Contact Info / Websites
All 9 audio Reviews
"Promise me a lie"
Rated 3.5 / 5 stars
Well, it's okay, but the actual "dubstep" part took a little while to start, which almost made me think you had mislabled it in the beginning, and then when it actually started, the bass and beat itself sounded a little lacking, like there wasn't all that much vibration to it, but still, it's okay, just a little bland, and remember, don't ever give up!
Rig - Interlude
Rated 5 / 5 stars
Perfect for murder houses
I always imagine some lone, demented man living in a crooked shack in the middle of nowhere, just rocking on a wheelchair, waiting.
It gives a very offsetting feeling(which is good in this case) and the crackle only strengthens that, and the warbly off-tune piano notes make it very sinister and just overall creepy. 10/10!
Rated 5 / 5 stars
It's good and for some reason...
It reminds me of Russia.
Rated 5 / 5 stars
Story Left Untold (DJKarma)
Rated 5 / 5 stars
When I die, you play this at my funeral.
A bittersweet memory
Rated 5 / 5 stars
Pure beutey in music form! (Aside from 3:10 to Yuma, No Country For Old Men, AND ANYTHING YOU CAN PURCHASE FROM MAL-WAAAAAAAAAAAAAAAAARRRRRRRRRRRT!
I wonder if I will one day join the ranks of musicians with merchandise in Wal-Mart?
Sadness and Sorrow v.2
Rated 5 / 5 stars
COMMISIONER PROMOTE THIS MAN!(or woman) THIS IS AMAZING AND PURE MARKETING DECEPTION FOR THOSE STEALING, THIEVING COMMUNISTS AND THEIR COLD, FEELY, HANDS. I MEAN JUST LOOK AT THOSE LICENSING TERMS! THIS AMAZING! GOOD AS SOLD! Heretakemywallet!
I you would like to donate, I wouldn't be offended lol. I did, however, have a certain person break the licensing agreement and use one of my piece commercially without permission. It was a mess to sort out, but the free music will keep coming! At least until I go professional, if that ever happens. Thanks. :)
For Those...
Rated 5 / 5 stars
Very good. I could see this playing in a movie when all the good guys die.
Black Lodge
Rated 5 / 5 stars
I could see this playing on a soundtrack for holloween. (the holiday, not the crappy movie)


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Three short Birthday greeting poems
(a) You come into this world is not a chance or coincidence
Its a preplanned birth by God Almighty
So I pray to God on your birthday: Oh one God shower your blessing on this person who is reading this text message, because you bring him in this world and no doubt that you are the best care taker.
(b) Happy Birthday to you - English
Tumein Salgirah mubarik ho - Urdu
Tino salgarah mubarak howay - Punjabi
Tavalodet Mobarak! - Farsi
Janam Din ki badhai - Hindi
Tun Pun BD Chun - This is my own style :-)
(c) Birthday is a day of celebration
How do you celebrate your birthday?
By cutting a cake and glowing candles, right?
What are you celebrating? the decreasing days of your life?
Well if you are happy by doing so then Happy birthday to you from the depth of my heart.
Birthday Prayer Poems
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pdsure 09:14 10 Jun 2006
I have read all the answers to previous requests for help with aol - In hte end I am totally confused - can anyone give me an idiots guide to setting up wireless for aol using speedtouch 576?
Please put me out of my misery
I have aol with speedtouch 576 dsl. It all works fine when connected via ethernet cable - but I have not been successful at setting up the system to work wirelessly. I have been on live chat with an aol technician but after a long chat with a guy in india I had no deep joy - I don't think I was able to explain myself to him well enough on line as to what I was doing.
Has anyone managed to set up a wireless system using speedtouch and aol?
I would be grateful for any help
Many thanks
I have read all the answers to previous requests for help with aol - In hte end I am totally confused - can anyone give me an idiots guide to setting up wireless for aol using speedtouch 576?
Please put me out of my misery
From previos experience with the same problem i found that only certain makes of router work with AOL. This has something to do with their network, why i do not know!
I ended up buying a 3com OfficeConnect router which does the job and worked straight away
That is interesting - I bought a netgear router modem and was told by aol it was not compatible and they sent me the speedtouch 576 that I am trying to set up. I have had both the netgear and the speedtouch working via ethernet - but sadly neither by wireless
Below is an email I sent to someone who wanted to setup wirelss using a Netgear DG834G. Hope it hekps you
AOL is 100% compatible with any router that supports PPPoE with
>adjustable MTU settings.
>Simply follow the instructions provided by your router manufacturer.
>Key Guidelines:
>It is required that the screen name being used is a General account. Creat a 2nd username just for AOL connection and DO NOT use this account to check emails. The connection will get cut off
>Under Username: type your screen name followed by @aol.com.
>- For Example: "[email protected]"
>Under Password: Type your AOL password for that screen name. Then
>save/apply and establish a connection on the router.
>AOL only supports an MTU (Maximum Transfer Unit) value up to 1400 bytes.
>Make certain you have manually set the MTU on the router to 1400.
>We recommend users with router setups to create a dedicated screen name
>on their accounts for the sole purpose of router login. Doing so will
>allow users to utilize other screens on their accounts when they choose
>to use their clients at any given time.
>If you ever choose to utilize the AOL client under these networking
>conditions, make sure that you set your client to connect via "TCP/IP:
>Lan or ISP (Internet Service Provider)." On newer versions of AOL, this
>option is renamed as "Broadband (High Speed, Cable, DSL or other ISP."
>*Note: AOL currently allows special characters and has extended the
>character length limit for passwords when using the AOL 9.0 Optimized.
>THIS DOES NOT APPLY TO PPPoE AUHTENTICATION! Please make sure that your
>username and password are purely made up of letters and numbers, all in lowercase.
>Passwords must NOT exceed 8 characters in length. Spaces are NOT
>acceptable!* Failure to follow will result in an error in PPPoE
When setting up a router, you will be prompted to enter certain details that govern the type of connection you establish. Depending on the hardware you have, the way in which you enter these details may differ. However, you are likely to be prompted to enter them during the installation of your router and also a wireless adapter, should you choose to use a wireless setup.
Some router installation guides will automatically enter some of these details. Therefore, you may not be prompted for them all. In other cases, the options will be named differently. If you experience problems setting up your chosen home networking solution, you should refer to the documentation included with the device.
Required Details:
Connection Protocol: PPPoA
VPI: 0 Note that sometimes you will be asked for both figures together (VPI/VCI). In that instance, you enter them separated by a comma: 0,38
Username: [email protected]
Password: youraolpassword
Please read these important guidelines about Screen Names and passwords used to configure a router to sign on to AOL.
Wireless Settings:
When configuring a wireless router, you may also be prompted for the following:
SSID: This is the 'name' of the router that you are using and is used by wireless adapters when they attempt to establish a connection.
WEP Key: The WEP (Wired Equivalent Privacy) key is the equivalent of a password on your router. Depending on your setup, it may be necessary to define one of these and ensure that any wireless adapters that connect to the router have the same key in their settings.
Network Type: There are a number of possible choices available here, but, if the option is available, you should choose Base Station.
MTU Setting: MTU (Maximum Transfer Unit) defines the largest data packet size you can transmit in one go across a network. The AOL network runs at an MTU of 1400. Many routers have inbuilt auto-configurations where the hardware identifies that the AOL traffic has an MTU of 1400 and dynamically adjusts. Alternatively you may have to manually change the MTU setting on the modem router. If the router hardware does not have this facility, the MTU setting can manually be changed on the computer to 1400.
You can change the MTU setting on your computer by using DrTCP. This is a free software utility that is a shortcut to editing your registry. This is available at: click here.
MRU Setting: MRU (Maximum Routing Unit) is required by some modem routers and should be set to the same value as the MTU of 1400.
MSS Setting: MSS (Maximum Segment Size) is required by some modem routers and dynamically adjusts the packet size to fit the MTU. It should be set to 1360.
Are there special requirements for the Screen Name I use to set up my home network?
Yes. The Screen Name you use for configuring your router to sign on to AOL must follow the following guidelines to avoid technical problems with your connection:
You must enter the full Screen Name in lower case
You must add @aol.com after the Screen Name
The Screen Name must not contain any spaces
The Screen Name must have General (18+) access in
AOL Parental Controls (Mature Teen, Young Teen and
Kids Only Screen Names will not work for a router connection)
For example, if your current Screen Name is: FTG and HL24 The router setup for this Screen Name should be: [email protected]
We recommend that you create a new Screen Name for your router to connect to AOL. (If you use an existing Screen Name, then access AOL from a different location using that same Screen Name, your router will lose connection to the Internet.)
You can create a new Screen Name for this purpose at AOL Keyword:Screen Names, making sure that it follows the above guidelines.
2nd part AOL:
Setting up AOL to connect via a router on AOL 9.0
This article describes how to set up a router connection (using TCP/IP) on AOL version 9.0.
Step 1: Start AOL but do not sign on at this point. Instead, click Sign On Options on the AOL Sign-On screen.
Step 2: Click on Expert Setup.
Step 3: Click Add Location.
Step 4: Type a name for the location in the Location Name box -- for example, 'Router' -- then click Next.
Step 5: Choose Broadband (High-Speed, cable, DSL, or other ISP), then click Next.
Step 6: Tick Automatically reconnect me and ignore interruptions... then click Next.
Step 7: Select Automatic Connection, then click Next.
Step 8: Click Sign on to AOL now, then simply sign on to AOL as usual using any of your AOL Screen Names.
The next time you start the AOL software, you'll notice 'Router' (or whatever name you gave the location) is available as one of the options in the drop-down Location menu on the AOL Sign-On screen (see Step 1). This allows you to easily switch between using a router connection and a different connection (for example, a dial-up modem) if you wish.
I am giving this a go again today - many thanks for your help - fingers crossed
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Pet owners are often willing to fork out loads of money for health care for their cats and dogs, but not usually fish. This amazing article tells about a family who paid close to £500 ($640) to have their pet goldfish's cancerous eye removed!
The Gordon family from Fife really love their goldfish, Star. They recently paid a vet £500 to remove his eye because it was cancerous. The operation was tricky because Star is only 6 inches long. The operation was carried out at Inglis Veterinary Hospital in Dunfermline, Fife. The Gordon family got Star 12 years ago when their daughter, Abby, won him at a local fair.
The Gordon family previously had a lump removed from their other goldfish, Nemo. Star is recuperating at home, and has to get a daily dose of antibiotics. Luckily, the vets are hopeful that Star will make a full recovery.
Mrs. Gordon, the owner of Star the goldfish says:
"I know it seems like a lot of money to spend on an operation for a goldfish but what was the alternative?"
"I think we've a social responsibility to look after our pets and I know my daughter would have been distraught if anything had happened to the goldfish."
She adds:
"Star is fine. He's swimming about happily and the vets have shown me how to give antibiotics too."
"I probably couldn't have chosen a better vets. I'm not sure anyone else would have attempted it."
The surgery was carried out by exotic animals expert Brigitte Lord, who was helped by a vet to keep the goldfish under anaesthetic and a nurse to monitor its heart rate:
"This is a highly specialist field, using anaesthetic on a goldfish carries a very high risk and I'm delighted for the owner that everything went okay and the owners are happy."
"The financial value of a goldfish may be quite small but I think the fact that someone should have paid that much for an operation reflects the true value of the bond between pets and humans."
Read More: Probably not finding Nemo: Pet goldfish recovering after surgery to remove a cancerous EYE


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The Secret Ingredient (Paperback)
Simon & Schuster/Paula Wiseman Books, 9781442419605, 230pp.
Publication Date: June 26, 2012
Annie juggles sabotage and summer romance in this refreshing follow-up to The Teashop Girls that includes recipes for tea-related treats It's the summer before ninth grade, and Annie has been working hard at the Steeping Leaf, which has been busier than ever. And Annie's involved in a huge scone cook-off with one of Louisa's tea suppliers that could mean an all-expenses paid trip to London But competition is tough, and Annie suspects sabotage when some mean comments show up on her blog. Then there's the whole matter of a stolen kiss with Zach Anderson in the Steeping Leaf stockroom.... With the help of her two best friends, Genna and Zoe, can Annie come up with an awesome contest entry and sort out her love life before the end of the summer?
To sweeten the brew, Laura Schaefer has also included recipes for tea and tea-related treats along with lists and amusing quotes--the perfect accents to a great girl read.
To sweeten the brew, Laura Schaefer has also included recipes for tea and tea-related treats along with lists and amusing quotes--the perfect accents to a great girl read.
About the Author
Laura Schaefer has been writing almost as long as she's been making tea. She is the author of Man with Farm Seeks Woman with Tractor and a contributor to several social studies ancillaries for children. She lives in Madison, Wisconsin, and her favorite type of tea is English Breakfast with lots of milk and sugar.
Praise For The Secret Ingredient…
"some wise lessons about life, love, friendship and honest achievement."- KIRKUS REVIEWS
"a cozy story steeped in tea history, memorabilia, and recipes layered with bits of archival advertising and tea quotes." -School Library Journal
"...the rich descriptions of delicious treats and tea, along with the message about locally
sourced ingredients, will draw young foodies. Recipes and blog posts punctuate this squeaky-clean read."--BOOKLIST


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Chandan Taparia of Motilal Oswal Securities told CNBC-TV18, "First trade is on the heavyweight - HDFC Bank. Bank Nifty did well in last couple of hours in trading session and HDFC Bank has given a consolidation breakout. It managed to close above immediate hurdle of Rs 1,815-1,810 zone. So, expecting this stock to rally on higher side towards Rs 1,878 and recommending to buy with a stop loss of Rs 1,788."
"Second trade is on National Aluminium Company (NALCO). This stock has given a multiple year breakout and has added open interest near to 13-15 percent. Hindalco Industries also added the built up near 16-17 percent. Most of the metal stocks are looking good. NALCO and Hindalco are comparatively better among the other metal counters. So expecting the fresh leg of rally in NALCO and recommending to buy with a stop loss of Rs 83 for a new high towards Rs 92 levels," he said.
"We have a positive view on Hindustan Unilever (HUL). In last trading session, we have seen built up of long position and fresh momentum in most of the FMCG counters. Dabur India has given multiple week breakout, HUL has also taken support near to its immediate trend. Major trend of the counter is positive and recent consolidation has given the fresh opportunity."
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Hello Thumper Talk Community,
I am reaching out and in need of some advice and help.
Some background on the bike:
2011 YZ450F that I purchased used, I am the second owner. The bike was claimed to have 15 hours on it. It does have strong indications of sand dune use as well as the original owner said he had run it out there. It does have stock chain and sprockets but chain was stretched to max setting when purchased. They have been replaced.
It seems as though poor maintenance has been practiced by the original owner. Air filter was extremely dirty and sandy, some sand found in the fuel injection and even inside cam cover. Everything has been cleaned thoroughly with new air filter and all new fluids.
Bike has started well while cool since I purchased it but seems to be troublesome while warm. Otherwise the bike seems to run perfect while motor is running.
The bike jumped timing while at the track recently. It was running fine, had it parked on a stand. When kicking it over to go back out the intake cam jumped about 6 teeth after further investigation. It never ran while missed timed. After inspection of the piston and valves, they seemed to have avoid psychical damage.
Took the bike apart and could not find anything that seemed to stand out as a problem. Cam chain did have some slight kinking it, it has been replaced. I believe that is why it jumped timing. I replaced the chain and reset the timing. Valve clearances were inspect but on the tight side of the range after reassembly. Did a compression test. Performed a homemade leak down test.
After putting it back together it starts up pretty well while cool, but it a beast to start warm. Hot starting now seems to be worse.
I then re-shimmed the valves to put them at the loose range of the spec. Did not seem to help anything.
I am not sure what to do and this is my first fuel injected bike.
Any advice or help would be appreciated!


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Tag Archives: show
Opening of Inner Beauty Productions in Russia
Posted on November 18, 2014 by arktotus
On November 8th in Tver the second festival from INBProd (Inner Beauty Productions) under the name of Inner Beauty Death Fest 2 took place. The group from Finland, GROTESQUE GALLERY was the headliner of the festival. Also the festival was … Continue reading →
Posted in Arktotus, Grotesque Gallery, Inner Beauty Productions | Tagged Arktotus, black metal, concert, death metal, Grotesque Gallery, IBDF, INBProd, inner beauty death fest, live music, show, tits | Leave a comment
Extra photos – Grotesque Gallery's show in Tver 12.4.2014
Posted on April 29, 2014 by innerbeautyproductions
Now we have some extra photos here:
Posted in Grotesque Gallery, Inner Beauty Productions | Tagged concert, Finland, finnish metal, Grotesque Gallery, industrial metal, inferno, kirkidia, Millet's dog, russia, show, striptease, tits, Tver | Leave a comment
Grotesque Gallery's show in Tver 12.4.2014
Posted on April 25, 2014 by innerbeautyproductions
Grotesque Gallerys show in Tver was a massacre. Thanks to Arktotus, Anckora and Tremor + everyone who attended. Plus special thanks for our beautiful dancer Leksi!!! Here is some photos from the show: Enjoy!
Posted in Grotesque Gallery, Inner Beauty Productions | Tagged concert, finnish metal, Grotesque Gallery, live music, russia, show, striptease, super industrial kirkidian metal, Tver | Leave a comment


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If bearing the burden of making monthly credit card payments is taking a toll on you, then there is a helpful program that is rarely discussed. You must have approached your friends and family members seeking a solution or you have even explored your options online as well, but all in vain. There is one program that can be a solution for this issue by the name of credit card hardship program. This hardship plan can be availed by those lenders who are experiencing . The benefits can include structured payment plan schedules, lowered interest rates, decreased minimum payments and reduced fees. Here, I will discuss as for how this hardship program can be put into maximum effect.
What is a Credit Card Hardship Program or Credit Card Debt Relief Program ?
Credit Card Hardship Program should not be confused with any of the various well known debt management plans offered through non-profit credit counseling agencies. Credit card issuers themselves offer these hardship programs internally. A Credit Card Hardship Program may include the ability to lower the interest rate, lower the minimum payment or reduce fees and penalties. These can be short-term, lasting six months to a year, or permanent, until the card balance is totally paid off.
What it entails to apply for a Hardship Program?
There's usually a phone number mentioned on the credit statement. It may not be clearly discernible, but you could get a hint from lines such as 'if you anticipate problems paying your balance, call this number.' The same number could take you directly to the hardship department or probably, a customer service department that screens your call. The customer service agent might try to dissuade you by saying that they don't have a hardship program. That doesn't mean the end of the world. Try calling back at another time. Hardship departments go by a variety of names, so if you call any service support number, your aim should be to reach the agent who has the leverage to offer a hardship program.
You want to be clear-cut in your conversation, and let them know that you're having difficulty and would like to talk to someone about customer assistance. You may want to keep the information relating to your income and expenses handy. Let them know how much you can afford at best. The service agent at this point might brief you about several relief-programs they have in place, but if they don't fit your criteria, keep negotiating.
Some card issuers are hesitant to consider you for hardship if you're current on your bills, while other may offer better deals even if you're current.
The Credit Card Act of 2009 limits the circumstances under which a card issuer can raise your APR, but it doesn't totally prevent them from doing so.
Issuers just don't cut your credit limits because you're asking them about the hardship programs. That practice would discourage people from calling them. It's best, at first, to use caution – merely inquire! Doing that won't trigger an action, but if you go a step further and indicate in any way that you might be having difficulty paying your debt, which is very likely to happen in such conversations, you would risk losing the ability to use your accounts.
However, if you do apply for a hardship program, your charging privileges are suspended temporarily or permanently. Your card may also be reinstated with a different credit limit after you opt for a hardship program. An important question you must ask : What will happen to my credit card if I successfully complete the program?
Another point of principal importance is how the hardship program impacts your credit score. "As with anything FICO-score related, it depends on how it appears on the credit report," says Barry Paperno, consumer operations manager for FICO. So try to determine how the issuer will report your agreement to the credit bureaus. Some agents may be able to give you this information, while others might be completely oblivious to such information.
So should you go for the hardship program? Well if you feel it's the only viable option for getting out of credit card debt and you're prepared to risk the reputation of your credit score, then definitely you have to consider it and discuss the details with your credit card issuer.
That's pretty much all about the Credit Card Hardship Programs. Now we'll be looking at some of the other beneficial tips to help you pay off your debts in an effective way.
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Pros and Cons of Debt Consolidation
Hardship Letter for Credit Card Debts
Writing a hardship letter allows you to detail the circumstances that led to your current financial situation and ask for assistance in handling your outstanding balance. Taking a humble and honest approach can encourage credit card companies to go easier on you with their collection efforts.
What is the purpose of this letter?
The purpose of the letter is to describe, in the homeowner's own words, why the homeowner is not or may not be able to make his or her mortgage payments. A key thing to remember is that it is important that you include actual reasons for the hardship and any plans you have for the future. Before writing this type of letter, figure out what can be paid each month. Be sure to be honest; don't make promises that cannot be kept. If there is no money at all to pay the debt, then bankruptcy may be the only option. This letter is for people who have some money to pay, or who have fallen behind and need help catching up.
Tips for writing a credit card hardship letter requesting a debt settlement:
– Explain the reasons for your hardship clearly and concisely. Include any supporting documentation that you have (e.g., copy of your unemployment awards letter)
– Be professional and polite
– Your opening offer should be about 20 percent of the debt amount
– Be confident and persistent. Be specific about the remedy you are seeking, and don't promise to send more money than you can reasonably afford.
– Don't show hesitation or get angry
– Send the letter via certified mail to the creditor's address for billing inquiries and concerns, and keep a copy for your records.
– Try to negotiate lower interest rates
SAMPLES OF CREDIT CARD HARDSHIP LETTER- View Online
While a hardship letter will not magically get you out of debt, it is a great tool to use to begin the process.
Also Read: Credit Card Debt Relief Program
|Credit Card Hardship Letters.docx
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Getting enrolled in a hardship program
Before you think about enrolling yourself in this program, make sure you are aware of few things, let us discuss them in detail –
- When you call your creditor, ensure that you have a word with someone who has holistic knowledge about the credit card hardship program. Your credit card might be having a number, on calling that number you can have complete information about this program. In the absence of this number, you can use the credit card company official number. If you get connected with someone in the hardship department, ensure that you can get your queries answered.
- While you are talking to someone at the hardship department, make sure you don't share all the details with him/her. This will be your first call, so don't expect a permanent solution. It is advisable that you make yourself familiar with the specifics of the plan, including what arrangements should be made for the borrowers. Start sharing the specifics of your situation only when you feel comfortable.
Make sure you are aware of the fact that the creditors might initiate some modifications to account on the basis of your conversation. It is also important you have not promised what you can't pay.
- If you want to get on with the hardship program, ensure that you shared every single detail about your situation. Avoid taking instant decisions, first, you need to inquire every minute detail about the program and then deciding how it's going to fit your budget and then making a final decision. Once you feel confident about the hardship option, make sure to be particular and firm. Don't be shy in projecting an amount that you can easily afford. You will certainly make the creditor feel interested in working with you on this, while others might be not so willing to negotiate.
- While you are inquiring about the credit card hardship program, make sure you have inquired about the credit reporting. In the case, you are on the fence, then this could be a decisive element. You should also know what type of documentation will be forwarded to the credit bureaus. You should be aware of the fact that the creditor might ask you to close your account when you have given your approval for this program. While it may affect your credit score, but it will have a mild impact if the account has been reported as closed by consumer. Make sure you have a word with the representative and instead of getting the account closed by the creditor, it should be, ideally, closed by the consumer.
Setting up Credit Card Hardship Program
Related Post : Credit Card Debt Consolidation For Bad Credit
#Get ready
– When you are planning a hardship program, make sure you have done some important preparations. You don't have to make the preparations for the war but instead preparing few lists would do. Here is the list you need to prepare –
First and foremost, prepare a list in which you will have to mention the amount you are drawing via your salary, side work income, income from rental property or any source of generating income.
The second list will comprise of any credit card debt or any other debt that you might be having. The list should also include the customer support numbers, issuing lender, interest rates, and the account numbers. Make sure you have made the list mentioning the higher interest rate to the lowest ones.
The third list will comprise of all the expenses and I mean all of them. I am talking about the expenses such as – secured loans like boat loans, auto, and motorcycle, home insurance, mortgage, car insurance, day care costs, gas, food, and anything else that you make a payment for on a monthly basis.
Also Read: Unsecured Credit Cards : The Best Credit Cards for Bad Or Average Credit
#Starting off with the highest interest rate
– So, you have to begin with the credit cards having the highest interest rate, make sure you have taken the assistance of the customer support in this. The moment you get connected with the executive, you can tell that you currently you are going through hard financial times and inquire them if they offer any financial hardship program. In most of the cases, you will get a yes from them.
On the basis of the information, that you gathered, reply to all the questions asked to you by the executive. If the financial situation is genuinely worse, you will surely receive lower interest rate and a tailored payment plan that will help you get out of the debt.
Related Post : Credit Cards: Everything You Need To Know Before Applying [INFOGRAPHIC]
#Rinse And Repeat
– If you are having multiple credit cards and you are genuinely going through financial hardships, don't stop with one credit card. Don't waste your time and contact all your lenders immediately, make your moves according to the instructions . You will be surely surprised to see how much the lenders are willing to lend a helping hand.
Things to consider before applying for a hardship program
– You should know, before applying for a credit card hardship program, that this program may have a negative effect on your credit. The hard fact is that your credit score is established on your available credit. As the available credit goes down, so does the credit score. On the other hand, if you have already spent 70% of your credit limit, chances are that you have already harmed your credit and the effects will not be that hard to recover from.
Hardship programs are not for everyone – All those who are going through a financial hardship, they have a unique situation. While deciding a hardship program, there are so many elements that are worth considering, such as – the reasons owing to which they have landed in such a position, ability and inability to pay off their debts, the attitude towards the whole issue, etc. I would say that you should first consult a debt professional before you make up your mind.
Make timely payments – When you sign up for a credit card hardship program, the lender has shown a keen interest in helping you out, as you have also expressed a need and a desire to pay back the loan. However, if you are missing your payments regularly, a negative message is being sent to the lenders showing your insincerity about the debts and eventually you will lose the program. In some cases, you will not be allowed to re-apply.
Related Post : Credit Card Debt Consolidation
Credit Card Debt Relief Programs – Debt Relief Options for Settling Credit Card Debt
If you being haunted by the debt, I am sure you have not left any stone upturned to look for a permanent solution. In a hurry, the majority of the people try debt settlement thinking that they will get deliverance from their fiscal burden. But, the fact is that it's not that simple. Debt settlement doesn't come without risks and consequences.
What is a debt relief program?
These programs play a vital role in paying back the lenders and the creditors, this also plays an important role in saving your hard-earned money simultaneously. There are debt relief companies mainly offer these debt relief programs in exchange for some fixed amount.
Who Are Benefited by Debt Relief Programs?
Debt Relief Programs are also designed for all those people who seek particular reliefs. Let us get to know more about this –
- All those people seeking payday loan debt relief
Payday loan debt settlement.
Payday loan debt consolidation.
- All those people seeking credit card debt relief options
Credit card debt settlement.
Credit card debt consolidation.
All those people looking for Christian debt relief options
Christian debt settlement.
Christian debt consolidation.
- All those people seeking medical debt relief programs
Medical debt settlement.
Medical debt consolidation.
- All those people seeking free debt relief programs
Non-Profit debt settlement.
Non-profit debt consolidation.
- All those people seeking IRS tax debt relief options
Installment Agreement, Penalty Relief.
Offer in Compromise.
Which are the main debt relief programs?
Debt Settlement
– This program is also known as debt reduction or debt elimination. As per this program, there is an involvement of both you and the company you have hired for debt settlement with the creditors. The key motive is to reduce the principal, owned by you, while also getting rid of the debt.
Related – Unsecured Credit Cards : The Best Credit Cards for Bad Or Average Credit
Advantages of Debt Settlement
Debt settlement companies have all the expertise and experience that comes helpful while negotiating with the creditors.
You won't find any unseen surprise or nothing will appear on its own when you try to settle your debts on your own.
Disadvantages of Debt Settlement
Every debt settlement company has its own way of functioning. You have to do a research work, at your end, to find a good and professional company.
If you have taken the services of Debt Settlement Company then it can prove to be a costly affair. Often they will charge you some percentage of the debt that you are looking to be settled.
Credit Card Debt Consolidation
– It means taking a loan for the consolidation and paying off other debts. The key motive behind debt consolidation is reducing the interest rates and combining all your debts in one single monthly payment.
Advantages of Debt Consolidation
Debt consolidation companies have years of experience and they will go that extra mile to find the lowest monthly payment and this is done via negotiating with the lenders.
One thing that you should look for in a leading debt consolidation company is the experience. When I say experience, a good company should have years of experience in negotiating with the lenders.
Our calculators – Credit Card Interest Rate Calculator | Credit Card Payoff Calculator
Disadvantages of Debt Consolidation
Though, initially, you have a low-interest rate, there are more probabilities that it will take a longer period to payback your debt. In turn, the amount you will be paying in interest will be much higher.
Debt consolidation will not prove a permanent solution for your debt problem. No matter what is the reason, it is imperative you have made significant changes in your behavior that led you to the debt.
Debt Management Plan
– It can prove handy in handling varied unsecured debts like – medical bills, department store cards, credit card bills, and student loans. The main aim behind DMP (debt management plan) is to cut back the monthly payments by getting a relief from the interest rates, penalties, and late fees.
Advantages –
A debt management plan will play a major role in keeping your payments on track and eventually assist in improving your credit score.
With debt management plan, it is much easier to look after your debt than sorting out on your own.
Debt management plan will also help you to figure out your expenses, making it convenient to frame and maintain a monthly budget.
Disadvantages –
On the negative side, you have to pay an enrollment and maintenance fee.
Related – Credit Card Hardship Program | Secured Debts vs Unsecured Debts
Credit Counseling
– Credit counseling is also one of the key programs. In this credit card debt relief program , you work with a credit counseling company and they review all your budgets and also help you evaluate available debt relief options.
Advantages –
Some of the credit counseling companies are nonprofit in nature and provide counseling services without charging anything from you. On the other hand, there are some organizations which for-profit in nature and such companies have some fees.
Some of the reputed credit counseling companies have employed experienced and knowledgeable counselors. They are the ones who make you equipped with the right knowledge and helpful tips to manage your debt efficiently.
Related – Credit Card Debt Consolidation For Bad Credit
– If you are in a critical situation, there are two credit card debt relief government programs, either filing a Chapter 7 bankruptcy will eliminate all your debts or a Chapter 13 bankruptcy which establishes a year-long repayment plan. The main aim behind the bankruptcy is to offer you a new start from your debts.
Advantages –
Even you have filed for bankruptcy yourself, the creditors, with the help of the law, still can get in touch with you. If the creditors get to know that you hired an attorney, then they will contact him/her without letting you know.
Before you actually file for bankruptcy, it is important that you have links with the court officials and trustees. They are the ones who will review your case and the creditors as well.
If you are thinking of filing a bankruptcy petition then there are high probabilities of making a mistake, this will also influence the decision and it can also jeopardize your future as well. So, it is advisable that let a professional handle all these legal formalities.
Disadvantages –
If you have hired a bankruptcy attorney, you will have to pay him/her as well. You are already in debt and the attorney fees are quite high.
Asking for attorney referrals from your near and dear ones can be an arduous situation.
You don't have to worry about the attorney fees, but in addition there are paralegal fees, consumer counseling charges, court filing fees, etc.
Legislations to help with credit card debt –
The government has approved legislations that will help you to deal with credit card easily. This legislation comprises of three important components which manage the credit card companies and also offer protection to the cardholders:
Earlier Bill Notices – The credit companies are required to inform the cardholders about the modifications in the contract 45 days prior to initiating a change. As per this legislation, you, as a cardholder, will have a protection with the constant changes that the credit companies make without letting you know in advance. The best part is that you also reserve the right to reject any changes, made in the contract, by the credit card company. Be informed that if you have refused the change, then you have five years to pay off your debt.
Restricted Interest Rates – Unless, you have not made a single payment within a 60-day time period, then the credit card company does not have any right of increasing the interest rate on your credit balance. As per this legislation, you are being offered the protection from seeing a sudden increase in the interest rate while you are struggling to make the consistent payments.
Greater Notification to Consumers – As per this legislation, the credit card companies have to send a statement to you three weeks prior to the due payment. This time period of three weeks is being decided to offer an advance notification to you about the impending payment. This time period also lets an improvement over the prior previous laws as per which the card companies only had to send mail statements two weeks before they were due, it also aims prevention against the late payments also.
What are the do's and dont's of the debt relief programs –
Don't be sluggish – Generally, it has been witnessed that the people are unaware of what they should do when the payments are behind for more than six months and unfortunately by now their account has already been charged off. Are you wondering what charged off means, this means that the prospects of getting repaid are quite low. Be informed that it does not mean that you don't owe the debt now.
If you are thinking of having a word with your creditor, then don't play the waiting game and do so right away. Until the time you have not received deliverance from your debt, there are some creditors who might recommend you debt settlement. Experts are of the view that if you act quickly, you might be able to use different options like debt management plan that will prove handy in paying your debt in full and save your credit score.
Don't neglect the aftermaths – If you have hired a debt relief company, make sure they have informed you that the debt settlement can also hit your credit score. In addition, you also won't be able to borrow money at a low-cost interest rate.
Showing all your financial documents – The creditors, before settling your account, will ask various documents including – your income, existing debts, and your assets, etc. They will ensure that the person (you) who is being offered the settlement will be able to pay the debt in full or is it just a method to save money.
Avoid making a promise you can't keep – If your creditor has allowed you to pay the debt over time, make sure you have set the payments in such a manner that you are able to manage them easily. Try to set a settlement plan that is practical enough and this is only possible when you have personally negotiated with your lender.
Solve the matter – If you are making the payment for the debt settlement, ensure that it also reflects on your credit report. There are some creditors who don't even bother to inform the three key credit bureaus, even though it is mandatory.
How debt relief companies work?
If you have decided to take the services of a debt relief company, the company will negotiate on your behalf with your lender. They have already dealt with thousands of such cases and rest assured that they will be negotiating a much lower amount that will be much easier for you to pay. In turn, you have to pay the company a set monthly amount and they will further pay your creditors while keeping their fee.
Stop having communication with your lender, this will be the first thing that the company would ask you to do. This helps in making your lenders so desperate that they would even go ahead and accept a settlement deal.
What are the advantages of working with a debt relief company?
Seeing more and more people drowned in credit card debt, the debt management industry is booming like anything. Let us discuss some of the pros and cons of hiring a debt relief company
Interest rates will also reduce – As and when your debt relief company gets in touch with the creditor, there are strong probabilities that your interest rate will come down by several points. If you are paying 17%, then it can come handy mainly if you are paying an APR of 20% or more. If your APR gets reduced, you can easily save thousands of dollars.
Waiving of the fees – Your company can also make your creditor cancel any late fee that might have occurred. This will help you to save $40 every single month.
One monthly payment – Probably one of the key benefits of a debt relief program is the consolidation of the debt payments in one single monthly payment.
Getting rid of debt – On enrolling with a debt relief plan, your debt management plan will be paying all your creditors on a monthly basis, and you don't have to worry about your debt anymore.
What to look for in a debt relief company?
First and foremost, it is imperative that you have done some research work. List all the companies offering debt relief services along with their reputation. If you have finalized a company, make sure the company follows religiously the rules set by FTC. If you feel that the company is not disclosing or not sharing all the legal formalities, which is mandatory as per the law, with you then change the company without any second thought.
Your choice should be the company that can help you reduce your debt and at the same time charge you the least. Some companies charge on the basis of the debt amount while others charge some percentage of the debt that the company will settle for you.
It is imperative you have checked the company's accreditation well in advance. There are certain laws, for such companies, that they need to follow. There are three accreditation that these companies need to follow –
- (AFCC) The American Fair Credit Council.
(IAPDA) The International Association of Professional Debt Arbitrators.
United State Organization for Bankruptcy Alternatives.
Finally, you should also consider the education and awareness a company is willing to offer. A good company will also guide you how the finances should be managed effectively.
So, if you want to see yourself out of the debt, then make sure you have considered the above-discussed information.
Credit Card Debt can be a serious headache for anyone, and if you're experiencing the same, then we encourage you to go through this article.


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Cesc Fabregas was also dismissed later in the game for two yellow cards.
"My choice was to put out the best players that we have in this moment".
Conte, who is reported to be less than happy with Chelsea's summer transfer business, now looks far from settle in the hot-seat in West London. Whether or not the challenge was worthy of a straight sending off has and will continue to be debated, but the response of going down to ten men from Antonio Conte's side simply wasn't good enough.
Conte has made no secret of his dissatisfaction with the skeleton crew he is expected to defend his title with, as the Blues went into yesterday's match with just 14 senior players available to take part.
EPL: Burnley stun nine-man Chelsea
Fabregas was booked for sarcastically applauding Pawson's decision to give a free-kick against him and much worse was to follow. Ward scores - The full-back plays a neat one-two and from the inside left, he slams in a shot past Courtois .
And all those goals were scored by the Clarets before half time.
Even before the early red card, this was a below par Chelsea XI.
The home dressing room was likely not a place you would have wanted to be just before 4pm this afternoon.
He brushed aside questions about reported tension with Chelsea's board over signing new players and said he was not anxious because three key players - Eden Hazard, Pedro and Victor Moses - could return from injury and suspension for Chelsea's next game against London rivals Tottenham Hotspur at Wembley.
Five killed in J&K gunfight
Nuclear-armed rivals India and Pakistan each administer part of Kashmir, but both claim the Himalayan territory in its entirety. Militants fired at the approaching security personnel, wounding five Army personnel, two of whom later died.
Antonio Conte, frustrated with the situation at Stamford Bridge, admitted that he would not put money on Chelsea were he a betting man.
It is only one game, yet the parallels with Chelsea's last defence of a Premier League title two seasons ago under Jose Mourinho were uncanny.
The champions were looking much more of a threat and had the ball in the net again six minutes later but Morata who poked in Andreas Christensen's shot at the far post was ruled offside.
Meanwhile Burnley's former Chelsea midfielder Jack Cork said: "They made it hard for us in the second half but a win's a win and we've got three points on the board". Both red cards could have an equally negative effect on the club's next Premier League fixture, given that Conte's side will now travel to Wembley to face Tottenham knowing Cahill and Fabregas will also be absent from an already thin squad.
Nemanja Matic challenges Manchester United team-mates to continue hot start to season
When you play for Manchester United everybody has a job to do, and obviously mine is to score goals and to keep the ball for the team.
"Chelsea have players of such calibre and to see the game through is so pleasing".


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Opportunity Knocks, And a Ram Responds
By THOMAS GEORGE
Published: November 28, 1989
Sunday night was not the first time that Willie (Flipper) Anderson had taken complete advantage of an opportunity created by a teammate's injury.
As a sophomore at U.C.L.A. in 1985, Anderson, now a Los Angeles Ram, entered a game against Arizona State after Mike Sherrard had been hurt. From that moment on, Anderson was a starter.
On Sunday, playing in place of Henry Ellard, a receiver, Anderson grabbed 15 passes for 336 yards, a league single-game receiving record, as the Rams defeated the New Orleans Saints, 20-17, in overtime at the Louisiana Superdome.
Ellard, who has a strained hamstring, could have played but was held out as a precautionary measure. Ellard is having his best pro season with 61 catches for 1,176 yards and 8 touchdowns. On Oct. 17, he caught 12 passes for 230 yards and 3 touchdowns in the Rams' victory over the Indianapolis Colts.
''The Saints had probably practiced all week on defending Henry and since he was out, they may have relaxed out there a bit,'' said Anderson, a second-round draft choice last season. ''I never dreamed of a day like this. Jim Everett and I got into a click; I was kind of unconscious out there because it all came so naturally.''
Everett ended up with a 454-yard passing game, completing 29 of 51 passes.
Los Angeles (8-4) trailed New Orleans by 17-3 with only three minutes to play. A 5-yard scoring run by Buford McGee, followed by Anderson's 12-yard scoring catch with 1:02 left, sent the game into overtime.
Anderson then played a pivotal role in the Rams' winning drive, which culminated in Mike Lansford's 31-yard field goal: the receiver made 2 catches for 40 yards and drew a 35-yard pass-interference penalty against the cornerback Robert Massey.
''When they started flashing his numbers on the scoreboard late in the game, we were saying, 'Naw, that's got to be a mistake,' '' Vince Newsome, a Ram safety, said of Anderson. ''The way he practices is the way he plays. The Saints played a little bit of zone but they mostly tried to cover Flipper with Massey.''
And Anderson made the Saints (6-6) pay. Ryan Under Review
The league has begun its review of the Cowboys' charges that Buddy Ryan, the Eagles' head coach, put a $200 bounty on the Dallas kicker, Luis Zendejas, and a $500 bounty on the Dallas quarterback, Troy Aikman, in Philadelphia's 27-0 Thanksgiving Day victory over Dallas.
The review will be completed before the teams meet again Dec. 10 in Philadelphia.
Ryan has denied offering the cash payments to his players. But a lot of people appear to be ready to point guilty fingers at Ryan, who last season had his players fake injuries to stop the game clock and who recently put 14 men on the field in the waning seconds against the Minnesota Vikings in an attempt to grind down the clock. Is the Race Really Over?
Before the Chicago Bears lost to the Redskins by 38-14 in Washington on Sunday, Mike Ditka, the Chicago coach, said: ''I think I could still play this game if I had two good hips. I still like it, but I'll tell you, the one thing you find out in this game is the highs aren't quite as high anymore but the lows are a lot lower.''
Having won five consecutive National Conference Central Division titles, the Bears are now 6-6; they are 2-3 in the Central Division having lost twice to the Tampa Bay Buccaneers.
Chicago trails the Green Bay Packers and the Minnesota Vikings by one game with Minnesota, the Detroit Lions, Green Bay and the San Francisco 49ers left. But Ditka said of the race after the Redskins loss, ''It's over.'' Off the Mark Against Bengals
In the Buffalo Bills' 24-7 victory over the Cincinnati Bengals at Rich Stadium on Sunday, the officials were off the mark, Art McNally, the league's supervisor of officials, said yesterday.
With the Bengals trailing by 10-0, the Cincinnati quarterback, Boomer Esiason, was sacked by Bruce Smith on a play that ended the first half. But a face-mask penalty was called against Smith and a half cannot end on a defensive penalty.
Cincinnati got another play and Jim Breech booted a 26-yard field goal. Buffalo was called offside on the kick. But another official said the Bengals drew the penalty with a false start, negating the field goal because an offensive penalty at the end of a half ends the half.
McNally said that Cincinnati should have got another play. The false-start penalty, which stops a play, is an unusual case in which an offensive penalty cannot end a half, he said.
''It changed the complexion of the game,'' said Sam Wyche, the Bengals' head coach.
Photo of Rams' Willie (Flipper) Anderson (AP)


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The panorama of Singapore's property companies are changing, with price reductions at brand-new suburban jobs, while brand-new sale rates for more central homes have already been more firm.
This has triggered a growing price tag gap concerning downtown jobs and those with other parts of Singapore.
The retail price gap shortened most with 2013, in the event the private housing peaked, prior to Total Personal debt Servicing Rate (TDSR) came in. But with TDSR putting tension on customers – especially those of a lesser amount of central jobs – the gap may well grow actually wider.
Inside new sale market, price tag gaps concerning non-landed homes in the central central place (CCR) and rest of central region (RCR), and those inside CCR and out of doors central place (OCR), bottomed out in 2013.
At the time, normal CCR brand-new sale non-landed home rates slumped by simply 9. some per cent, while prices flower 3. several per cent in the RCR and surged 11. 3 per cent in the OCR.
That year, average new sale condo prices in the CCR were at a five-year low of $1, 919 psf, thanks to D'Leedon, with 699 units sold at an average of $1, 481 psf, and Duo Residences, with 518 units sold at an average of $1, 989 psf.
But as average new sale prices of CCR non-landed homes shot up 12. 5 per cent in 2014, the price premium of CCR over OCR condos rose from 67. 8 per cent to 83. 2 per cent. This was partly due to strong sales at Marina One Residences, with 290 units sold at an average of $2, 250 psf.
The premium of CCR through OCR innovative non-landed homes was over 80 per cent not too long ago.
Singaporean potential buyers of excellent properties inside CCR are usually more affluent and fewer affected by procedures such as TDSR and Additional Bidder's Stamp Job (ABSD).
Compared, buyers of OCR and RCR homes are more price tag sensitive. Such buyers are usually bargain hunting. The ability to take up loans is critical for their purchase decision, but many are hampered by the TDSR, and the situation is compounded by ABSD.
As a result, OCR prices have stayed competitive, with more frequent price cuts to move units.
According to caveats, units at The Panorama in Ang Mo Kio went for a median of $1, 213 psf in the first quarter, or 9. 7 per cent lower than when it was launched. Units at The Trilinq in Clementi went for $1, 408 psf in the first quarter, 8. 9 per cent lower than when it was launched.
In contrast, prices have been more stable for CCR projects. Units at Robin Residences in Bukit Timah went for $2, 371 psf in the first quarter, or 2 . 4 per cent higher than the quarter it was launched.
But the new sale market price correction seems to be tapering off. New sale prices are a factor of land prices; those who bought land at a relatively high level will still keep prices at a certain level.
In the resale market, the price gap between CCR and OCR non-landed properties was at a five-year low of 90. 1 per cent in 2014, and rose to 94. 1 per cent last year.
Owners of CCR properties typically have stronger holding power compared with those of OCR properties, authorities said. The completion of many OCR plans these two years could suggest more second market source as well.
Merchants also experience competition out of developers who all are establishing projects for attractive price ranges. The price hole in the second-hand market really should widen, reported a therapist.


text:
What we do
// Advise Boards
Good governance starts with a good fit.
Learn more about who we have worked with and what we can do to help you.
// Facilitate Changemakers
Whether you're organising a stadium-sized conference, a team away-day or an intimate business breakfast – we can help.
Learn more about our award-winning facilitation work and see us in action.
// Develop, Enable & Nurture Strategic Leaders
We deliver 1:1 coaching and mentoring – through to full-fledged leadership and strategic communication courses and workshops.
See who we have worked with and what we can do for you.
Who we are
// Founder
Michael Ambjorn is founder of Align Your Org, and passionate about helping changemakers – whether corporate, public sector or non-profit – achieve purpose-driven impact.
Michael is a social enterprise CEO and also Past Chair of IABC, the International Association of Business Communicators,
Michael has held leadership roles at IBM, Motorola and the 260–year–old Royal Society for the Encouragement of Arts, Manufacture and Commerce (RSA), where he remains an active Fellow.


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Marshall Mom Assaults Her Son with a Cheeseburger
Best. Weapon. Ever. Pretty good headline, too.
Best. Weapon. Ever. Pretty good headline, too.
So today is National Cheeseburger Day. How they come up with these days is beyond me, but during my own personal "Food Week" who cares?
While every day in America may feel like National Cheeseburger Day, only Sept. 18 is. In honor of the glorious holiday that embodies all things America stands (ok, sits) for, we've rounded up some of the most fantastic products inspired by the greasy dietary staple of the U.S.:


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Finance Final Chapter 8
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What is Capital Budgeting?
Identifying, evaluating and selecting foreign projects. Cash flow analysis is most important.
What is the purpose of Capital Budgeting?
Maximize shareholder wealth.
What is the general decision criterion for capital budgeting projects?
Cash flows and NPV.
How do firms create/find net present value in a competitive environment?
Sensitivty explosion NPV.
How is cash flow different from profit?
Cash flow is expected values not actual.
What special value opportunities may arise in international projects?
Foreign labor, revenue enhancement, diversification of cash flows, a counter threat of adverse regulation, and create flexibility for future actions. ( Decrease costs and raise revenues)
What special cash flow estimate and risk consideration factors arise in international projects?
Organizational form, currency translation( possible increase volatility), country risk, taxes, discount rate, real options
What are the basic inputs into capital budgeting analyses?
Revenues, expenses( direct overhead), depreciation, tax rate, ^NWC, ^FA
How can future exchange rates be estimated?
Constant rate assumption, conservative is foreign currency is weak. Relative PPP
How is risk incorporated into capital budgeting analyses?
One way to evaluate currency risk in the context of capital budgeting is to assess break-even currency values.
How is risk incorporated into a discount rate?
Recognizing that country risk increases volatility of a firm's cash flows, the first approach makes adjustments to the discount rate. The higher the level of country risk, the higher is the discount rate. It is better to adjust cash flows than it it is to adjust the discount rate
What is a sensitivity or scenario analysis? What is its purpose?
Identify risks in foreign and make a better decision.
How is inflation incorporated into capital budgeting analysis?
Inflation affects cash flow estimates and discount rates(fisher effect)
What is the relationship between domestic cost of capital and foreign cost of capital?
If there is parity the difference is based on currency appreciation or depreciation. If not, one cost of capital will be cheaper.
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Finance Final Chapter 8
2011-12-13 06:15:11
Finance Final Chapter
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It's October and Halloween is around the corner! I'm sure many of you have scary costumes to
put together. When you're not spending time planning your costume masterpiece,
check out some of the new features available in Firebase Test Lab for
Test Lab's automated Robo test
leveled up recently! Robo now crawls your app with about double the previous
coverage. That means it will reach more screens and take more actions, which
boosts its ability to find crashes throughout your app. In fact, the rate of
finding crashes has gone up by about 62%. Robo is very motivated to find those
bugs before they frighten your users away! If you haven't run a Robo test
against your app, just upload your APK to Test Lab in the Firebase console at no
cost. You also get a Robo test with your pre-launch
report in the Play Console. For the crafty among you, you could possibly make
your own Robo.
If you run a lot of tests with the gcloud
command line, and primarily want to know if your tests simply pass or fail,
you can speed up your tests by opting out of some of the extra information that
Test Lab collects for you. Passing the --no-record-video flag will opt out of
the collection of the video of your app, and --no-performance-metrics will opt
out of performance data collected for game loop tests.
So use these options to give your tests a good cardio workout for sustained high
speed, which is imperative for escaping zombies.
The Android
Testing Support Library recently published some enhancements to the tooling
used to test Android apps. With these updates, you can now make use of Android
Test Orchestrator, which helps you isolate your Android test cases and
therefore promote more consistent test results. Test Lab now supports this
handy utility, so consider making use of it in your test suites today. Here's a
gratuitous link to an orchestra
in costume.
If you want to chat with the Test Lab team and others in the community who love
testing their apps, why don't you join the Firebase Slack and find us in the
#test-lab channel? There's no tricks there, only treats.
Hey, did you hear the big news? We just announced the beta release of Cloud
Firestore -- the new database that lets you easily store and sync app data to
the cloud, even in realtime!
Now if you're experiencing some deja vu, you're not alone. We realize this
sounds awfully similar to another product you might already be using -- the Firebase Realtime
Database. So if you're experiencing some deja vu, you're not alone.
So why did we build another database? And when would you choose one over
another? Well, let's talk about what's new and different with Cloud Firestore,
and why you might want to use it for your next app.
While our
documentation covers all of the differences between the Realtime Database
and Cloud Firestore in much more detail, let's look at the main differences
between the two products. And we'll start with...
While the Firebase Realtime Database is basically a giant JSON tree where
anything goes and lawlessness rules the land1, Cloud Firestore is more structured. Cloud Firestore
is a document-model database, which means that all of your data is stored in
objects called documents that consist of key-value pairs -- and these values can
contain any number of things, from strings to floats to binary data to JSON-y
looking objects the team likes to call maps. These documents, in turn,
are grouped into collections.
Your Cloud Firestore database will probably consist of a few collections that
contain documents that point to subcollections. These subcollections will
contain documents that point to other subcollections, and so on.
This new structure gives you several important advantages in being able to query
your data.
For starters, all queries are shallow, meaning that you can simply
fetch a document without having to fetch all of the data contained in any of the
linked subcollections. This means you can store your data hierarchically in a
way that makes sense logically without worrying about downloading tons of
unnecessary data.
Second, Cloud Firestore has more powerful querying capabilities than the
Realtime Database. In the Realtime Database, trying to create a query across
multiple fields was a lot of work and usually involved denormalizing your data.
For example, imagine you had a list of cities, and you wanted to find a list of
all cities in California with a population greater than 500k.
In the Realtime Database, you'd need to conduct this search by creating an
explicit "states plus population" field and then running a query sorted on that
With Cloud Firestore, this work is no longer necessary. In some cases, Cloud
Firestore can automatically search across multiple fields. In other cases, like
our cities example, Cloud Firestore will guide you towards automatically
building an index required to make these kinds of queries possible…
...and then you can simply search across multiple fields.
Cloud Firestore will automatically maintain this index for you throughout the
lifetime of your app. No combo fields required!
While the Realtime Database does scale to meet the needs of most apps,
things can start to get difficult when your app becomes really popular, or your
dataset gets truly massive.
Cloud Firestore, on the other hand, is built on top of the same Google Cloud
infrastructure that powers some pretty
popular apps. So it will be able to scale much more easily and to a much
greater capacity than the Realtime Database can.
And with the new querying structure, all Cloud Firestore queries scale to the
size of your result set -- not the size of your data. This means that a search
for the top 10 restaurants in Chicago for a restaurant review app will take the
same amount of time whether your database has 300 restaurants, 300 thousand or
30 million. As one engineer here likes to put it, "It's basically impossible to
create a slow query in Cloud Firestore."
At the start of our beta period, Cloud Firestore will already allow scaling to
levels somewhat greater than that of the Realtime Database, although we are
putting a few restrictions around things as we monitor how the database performs
in more real-world situations. But look for Cloud Firestore to be able to expand
automatically to ludicrous levels2 as we get out of the beta period and move closer to a
general availability release.
While some developers appreciated the real-time nature of the Realtime Database
for building features like chat or enabling magical collaborative experiences,
we found that many of our developers simply wanted to use the Realtime Database
as a traditional, "Just fetch data when I ask for it" kind of service.
Although the Realtime Database does support this with .once calls,
they can sometimes feel a bit unnatural to use and often play second-fiddle to
the streaming methods within the SDKs. With Cloud Firestore, making simple
one-time fetch queries is much more natural and is built as a primary use case
within the Firestore API.
Of course, you can still add support for listeners, so that your clients have
the ability to receive updates whenever you data changes in the database. But
now you have the flexibility to retrieve your data however you'd like.
Cloud Firestore is a multi-region database. This means that your data is
automatically copied to multiple geographically separate regions at once. So if
some unforeseen disaster were to render a data center -- or even an entire
region -- offline, you can rest assured that your data is safe.
And for you database aficionados out there, we should point out that our
multi-region database offers strong consistency (just like Cloud Spanner!),
which means that you get the benefits of multi-region support, while also
knowing that you'll be getting the latest version of your data whenever you
perform a read.
The two databases have fairly different pricing models: The Realtime Database
primarily determines cost based on the amount of data that's
downloaded, as well as the amount of data you have stored on the database.
While Cloud Firestore does charge for these things as well, they are
significantly lower than what you would see in the Realtime
Database3. Instead,
Cloud Firestore's pricing is primarily driven by the number of reads or
writes that you perform.
What this means is that if you have a more traditional mobile app where your
client is occasionally requesting larger chunks of data from your database --
think something like a news app, a dating app, or a turn-based multiplayer game,
for instance -- you will find that Cloud Firestore's pricing model might be more
favorable than if you ran the same app on the Realtime Database.
On the other hand, if you have an app that's making very large numbers of reads
and writes per second per client (for instance, a group whiteboarding app, where
you might be broadcasting everybody's drawing updates to everybody else several
times a second), Cloud Firestore will probably be more expensive.4 At least for that portion
of your app -- you can always use both databases together, and that's fine, too.
Of course these are just rough guidelines, make sure you check out the Pricing section of our
documentation for all the details on Cloud Firestore pricing.
With this list of changes, you might come away with the impression that Cloud
Firestore is simply better than the Realtime Database. And while Cloud Firestore
does have a fair number of improvements over the Realtime Database, there are
still situations where you might want to consider using the Realtime Database
for some of your data. Specifically…
In general, we recommend that most new applications start with Cloud
Firestore, unless you think that your app has unique needs, like those we
outlined above, that make it more suitable for the Realtime Database.
On the other hand, if you have an existing database that's already
running just fine on the Realtime Database, go ahead and keep it there! If you
find you're running up against issues where Cloud Firestore could really help
you out, then you could consider switching, or moving part of your data to Cloud
Firestore and using both databases together. But don't switch just for the sake
of switching.
And if you're looking for a magic, "Please convert my database from the Realtime
Database to Cloud Firestore" button, there isn't one5! And, frankly, we don't know if there
ever will be. Given how different the database, querying, and pricing structures
are between the two, blindly converting a database that's been optimized for the
Realtime Database over to Cloud Firestore wouldn't necessarily be a great
experience. We want you to be more thoughtful about making this kind of change.
If you're interested in giving Cloud Firestore a try, there's a lot of places
for you to get started. You can check out the documentation, play
around with our sample
try our interactive code labs,
and maybe watch a getting started video or two.
There's a lot we think you'll be able to do with Cloud Firestore and we're
excited to see what kinds of apps you're able to build with it. As always, if
you have questions, you can hit us up on any of our support channels, or post
questions on Stack Overflow with the google-cloud-firestore
and firebase tags. Good luck, and have fun!
Subject to security
rules, of course ↩
Not an official term for database capacity… yet. ↩
Something on the order of 27 times cheaper, in the case of data storage ↩
As an aside, though, I've personally found that the new pricing structure makes it
much easier for me to estimate my costs, which is nice. ↩
Although we do have a very handy Migration Guide. ↩
Today we're excited to launch Cloud Firestore, a fully-managed NoSQL document
database for mobile and web app development. It's designed to easily store and
sync app data at global scale, and it's now available in beta.
Key features of Cloud Firestore include:
And of course, we've aimed for the simplicity and ease-of-use that is always top
priority for Firebase, while still making sure that Cloud Firestore can scale to
power even the largest apps.
Managing app data is still hard; you have to scale servers, handle intermittent
connectivity, and deliver data with low latency.
We've optimized Cloud Firestore for app development, so you can focus on
delivering value to your users and shipping better apps, faster. Cloud
As you may have guessed from the name, Cloud Firestore was built in close
collaboration with the Google Cloud Platform team.
This means it's a fully managed product, built from the ground up to
automatically scale. Cloud Firestore is a multi-region replicated database that
ensures once data is committed, it's durable even in the face of unexpected
disasters. Not only that, but despite being a distributed database, it's also
strongly consistent, removing tricky edge cases to make building apps easier
regardless of scale.
It also means that delivering a great server-side experience for backend
developers is a top priority. We're launching SDKs for Java, Go, Python, and
Node.js today, with more languages coming in the future.
Over the last 3 years Firebase has grown to become Google's app development
platform; it now has 16 products to build and grow your app. If you've used
Firebase before, you know we already offer a database, the Firebase Realtime
Database, which helps with some of the challenges listed above.
The Firebase Realtime Database, with its client SDKs and real-time capabilities,
is all about making app development faster and easier. Since its launch, it has
been adopted by hundred of thousands of developers, and as its adoption grew, so
did usage patterns. Developers began using the Realtime Database for more
complex data and to build bigger apps, pushing the limits of the JSON data model
and the performance of the database at scale.
Cloud Firestore is inspired by
what developers love most about the Firebase Realtime Database while also
addressing its key limitations like data structuring, querying, and scaling.
So, if you're a Firebase Realtime Database user today, we think you'll love
Cloud Firestore. However, this does not mean that Cloud Firestore is a drop-in
replacement for the Firebase Realtime Database. For some use cases, it may make
sense to use the Realtime Database to optimize for cost and latency, and it's
also easy to use both databases together. You can read a more in-depth
comparison between the two databases here.
We're continuing development on both databases and they'll both be available in
our console and documentation.
Cloud Firestore enters public beta starting today. If you're comfortable using a
beta product you should give it a spin on your next project! Here are some of
the companies and startups who are already building with Cloud Firestore:
Get started by visiting the database tab in your Firebase
console. For more details, see the documentation, pricing, code
samples, performance
limitations during beta, and view our open source iOS and JavaScript SDKs on
We can't wait to see what you build and hear what you think of Cloud Firestore!
Here's how it works, in a nutshell. We'll use a Realtime Database trigger as an
Imagine you have an existing project with a single function in it called
makeUppercase. It doesn't have to be deployed yet, just defined in your
exports.makeUppercase = functions.database.ref('/messages/{pushId}/original').onCreate(event => {
const original = event.data.val()
console.log('Uppercasing', event.params.pushId, original)
const uppercase = original.toUpperCase()
return event.data.ref.parent.child('uppercase').set(uppercase)
This onCreate database trigger runs when a new message is pushed under /messages
with a child called original, and writes back to that message a new child called
uppercased with the original value capitalized.
Now, if you can kick off the emulator shell from your command line using the
Firebase CLI:
$ cd your_project_dir
$ firebase experimental:functions:shell
Then, you'll see something like this:
i functions: Preparing to emulate functions.
✔ functions: makeUppercase
That firebase prompt is waiting there for you to issue some commands to invoke
your makeUppercase function. The documentation
for testing database triggers says that you can use the following syntax to
invoke the function with incoming data to describe the event:
This emulates the trigger of an event that would be generated when a new message
object is pushed under /messages that has a child named original with the string
value "foo". When you run this command in the shell, it will generate some
output at the console like this:
info: User function triggered, starting execution
info: Uppercasing pushId1 foo
info: Execution took 892 ms, user function completed successfully
Notice that the console log in the function is printed, and it shows that the
database path wildcard pushId was automatically assigned the value
pushId1 for you. Very convenient! But you can still specify the wildcard
values yourself, if you prefer:
makeUppercase('foo', {params: {pushId: 'custom_push_id'}})
After emulating this function, if you look inside the database, you should also
see the results of the function on display, with /messages/{pushId}/uppercased
set to the uppercased string string value "FOO".
You can simulate any database event this way (onCreate, onDelete, onUpdate,
onWrite). Be sure to read the docs to learn how to invoke them each correctly.
In addition to database triggers, you can also emulate HTTPS
functions, PubSub
functions, Analytics
functions, Storage
functions, and Auth
functions, each with their own special syntax.
The Cloud Functions shell is currently an experimental offering, and as such,
you may experience some rough edges. If you encounter a problem, please let us
know by filing a bug
report. You can also talk to other Cloud Functions users on the Firebase Slack in the #functions channel.
Typing the function invocation each time can be kind of a pain, so be sure to
take advantage of the fact that you can navigate and repurpose your invocation
history much like you would your shell's command line using the arrow keys.
Also note that the shell is actually a full node REPL that you can use to
execute arbitrary JavaScript code and use special
REPL commands and keys. This can be useful for scripting some of your test
Since you can execute arbitrary code, you can also dynamically load and execute
code from other files using the require() function that you're probably already
familiar with.
And lastly, if you're like me, and you prefer to use a programmer's editor such
as VS Code to write your all
JavaScript, you can easily emulate functions by sending code you want to run to
the Firebase CLI. This command will run test code from a file redirected
through standard input:
$ firebase experimental:functions:shell < tests.js
Happy testing!
One of the most important components of a ridesharing app is keeping everything
synced in real-time. Sprynt needed fast and reliable synchronized rider and
driver apps, GPS tracking, and ride-request queue management. That's why one of
the first features that attracted us to Firebase for this app was the Realtime Database.
We leveraged Firebase's synchronization solution for its speed, as well as the
Realtime Database listeners for keeping the system fast and lightweight. In our
experience, Firebase excels when dealing with simple data schemas that need
real-time communication between clients and server.
Besides the core product requirement of real-time communication, Sprynt needed a
platform that could support a fully-featured app. For example: authentication
for registering and logging in, notifications to help with rider and driver
communication, and an easy-to-use dashboard to help the Sprynt team understand
and manage their system.
Firebase has all of these components, which made it a leading candidate and our
eventual choice. It provides the ability to quickly set up and scale a backend
with authentication, push notifications, custom cloud functions, file storage,
and analytics. The dashboards and admin tools also allow us to stay focused on
building what matters most: a compelling user experience. Simply put, Firebase
let Savvy begin a product like Sprynt quickly without compromise.
For authentication, we turned to Firebase Auth because we
wanted to take advantage of the new phone authentication added this year at
Google I/O. We were able to quickly build an authentication mechanism that
allowed for users to sign up via phone numbers. This feature was an important
one for Sprynt, since it streamlined the onboarding process. That's especially
important when someone might want to get started with Sprynt in a hurry.
When it came to building in notifications, we used Firebase Cloud
Messaging. FCM allowed us to send notifications programmatically, such as
when a driver is on the way to a rider. Beyond that, FCM gives Sprynt admins the
ability to send out quick one-off messages to their user base through the
notifications dashboard. We feel that this functionality will prove invaluable
for handling services outages, highlighting new specials from advertisers, or
other comparable communication regarding the Sprynt service.
Sprynt launched to great success. In the first month of service, they delivered
around 5,000 passengers in their pilot service area. The app maintains a 5-star
rating and their advertisers are very happy with their results so far.
Sprynt is already pushing hard to keep up with demand from riders and
advertisers, as well as the influx of new driver applications. They also have
already begun building a steady, repeat ridership base. Google Analytics for
Firebase has proven helpful in tracking this kind of usage, as well as
version update adoption rates, user device types, and custom events.
We built Sprynt using Firebase for long-term sustainability without constant
developer involvement. By leveraging the Firebase console, we made it as easy as
possible for Sprynt's team to manage their business, with as little development
support as needed. Cloud
Storage for Firebase plus Cloud Functions for
Firebase allow Sprynt to upload and process updated or new service areas
without directly editing the database. These features will become even more
important as Sprynt continues to grow in popularity and open new service areas.
While Firebase Realtime Database has some weaknesses in its query support —
particularly around complex queries that include filtering and sorting
collections — overall, we've been happy with the platform and its progress.
We've used Firebase since it launched years ago, but we continue to appreciate
when the observeSingleEventOfType function on one device responds to an event
triggered by another. Watching it happen for the first time between the Sprynt
Rider app and Sprynt Driver app still provides that "aha" moment, even today.
Firebase continues to enhance our ability to build and scale new businesses as
quickly as possible.
If you want to learn more about using Firebase yourself, check out the use cases section of the
website or subscribe to the Firebase channel on YouTube.