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I'm not entirely convinced that words are even needed today - well done to the 'Old Man', this I would say is his finest work to date ...
Hotel Chocolat say: "Discover our irresistible twist on classic petit fours – as treats at elevenses, for a touch of afternoon tea elegance, or for relaxed after dinner nibbling. With stunning chocolate recreations of silky soft Chocolate Mousse, Tiramisu, Crème Brûlée and fruity Strawberry Trifle"
Strawberry Trifle - A delicious, tarty berry truffle with real tasting fruit flavours and a creamy finish. Very Good.
Tiramisu - Disappointing as a Tiramisu flavour as it lacked rum or coffee flavour notes. There were tones of mascarpone amongst the creamy chocolate at least. Standard.
Chocolate Mousse - Part of me believed this plain option was unnecessary for a four-pack of chocolates, but the chocolatey flavours were rich and bold making for a sensational, pure chocolate indulgence truffle. Superb.
Creme Brulee - Multi-layered/textured and with a compelling creamy, butterscotch taste that captured the Creme Brulee dessert amazingly. Superb
8.5 out of 10
Hotel Chocolat say: "Discover our irresistible twist on classic petit fours – as treats at elevenses, for a touch of afternoon tea elegance, or for relaxed after dinner nibbling. Contains: Caramel Pecan Pie, Christmas Mess, Chocolate Souffle, Apple Strudel"
Chocolate Souffle - Is this really a Christmas/Winter flavour!? Whatever, this dark chocolate truffle had the creamiest milky centre ever and it tempered the strong earthy cocoa tones brilliantly. Very Good.
Caramel Pecan Pie - This had a wonderful variety of flavours that took you from a taste of savoury, salty nuts, to sweet sugary caramel. Just lovely. Superb.
Christmas Mess - Hotel Chocolat's Eton Mess is one of my favourites so I never doubted I was going to love this. With the simple replacement of cranberries for the strawberries this was just as brilliant. A creamy, fruity truffle of utter class. Superb.
Apple Strudel - The delightful apple flavours were evident from the first few seconds of the melt, and the taste had a progressively creamy edge. The dried fruit pieces were an outstanding finale. Superb.
8.7 out of 10
Overall these were both excellent mini-truffle packs that I believe delivered on Hotel Chocolat's usual exceptional standards. Quite how they managed to pack such flavoursome and variable taste bites of some of these desserts in to such small pieces is a mystery to me, but without exception they execution all to a Very Good standard. Would I buy for someone for Christmas? Sure I would! Exceptional stocking-filler potential here I think.


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Live Life Uplugged
Description: Ascent Solar Technologies presents the EnerPlex Surfr for the Samsung Galaxy SIII. EnerPlex allows you to set yourself free from the outlet, 2100 mAh battery for the Samsung Galaxy SIII as well as a supplemental solar charging solution, yet remains only 15mm thick. It's hardened plastic construction protects the S III from drops and scrapes yet remains incredibly lightweight at less than 70 grams. The EnerPlex Solar Phone Charger for Samsung gives you hours of more freedom to talk, text and play. In addition, the EnerPlex for Samsung Galaxy SIII also comes with a convenient and handy wall charger so you can charge your EnerPlex battery while indoors. No more dead phones while you're driving home, out at dinner, or stuck at the office late into the night. The EnerPlex for Samsung Galaxy SIII is the easiest solution for everyone.
Price: $89.99

subset: commoncrawl


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Mr Malloy joined a growing and increasingly urgent chorus of voices calling for stricter gun laws and a clampdown on the high-capacity magazines that allowed Adam Lanza to fire dozens of rounds without needing to reload.
"These guns are not used to hunt deer," the. "I'm a big believer in hunting rights and a big believer in supporting the Second Amendment but there's a reality that this stuff has going too far and is too easy to own."
He said that the high-capacity magazines were "extremely dangerous" and that laws limiting rifle clips to 10 rounds could have made a "significant" difference in limiting the scale of the massacre.
Although Connecticut has stricter gun laws than many other states, Mr Malloy said "that no state would ever be safe" until national limits were in place because weapons move so easily across state lines.
"Do I think Washington DC needs to get its act together and enact stricter gun control laws at the federal level? You bet I do.
The governor briefly wept as he described his decision to end parents' false hope that their children might still emerge from the school alive. "I made the decision that to have that go on any longer was wrong," he said.
"You try to feel their pain but you can't. You try to find some words that you hope will be adequate, knowing that they will be inadequate and you see little coffins and your heart has to break," he said.
Mr Malloy said he was calling for a statewide moment of silence on Friday morning, when 26 bells would toll to mark the 26 dead at the school.


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So I have been diligently searching around the net and reading article after article of steps and processes on recovering your score in the quickest amount of time possible after a Chapter 7 filing. I'll highlight my main questions with numbers to make them stand out, the rest will be fulfilling details that may help with your idea directions.
Some details about my situation first:
Finally opted to file in October 2012. Took me two years of trying to salvage from job losses, business failures and personal relationship disintegration before I finally decided the time/effort required to keep up was like digging a hole in the sand. I would rather spend that time rebuilding a clean slate.
Among discharged items is a small mortgage through BofA (70k), an unsecured loan (20K, a refinance loan on the remaining balance from a sold vehicle), two Capital One CCs (<1k) and some small collection accounts from a forgotten about Qwest account and random attorney's fees (<4k).
I am currently employed with a stable job (FINALLY!) making a fraction of what I used to, but it's a job at least.
The ultimate motivating factor behind the decision to file was looking back at the fight. As I cycled through minor jobs to try and stay afloat, I found myself paying one account one month and another the next. After two years my credit report looked like a Freddy Krueger crime scene. I was keeping the accounts from defaulting, but I was also destroying my credibility in the process. In my view dragging out detriment over years vs. filing and then focusing on recovering from one hard slap.
Pre-contacting the attorney, I did (and still am doing) research on methods people have employed to rebuild their scores and financial reputation as quickly as possible. Three years ago I was on my second rotating lease for my Audi, packed around an AMEX that routinely got me into concerts that were sold out and generally lived a life of stable financial orientation. I am most concerned with responsibly getting back to that lifestyle.
Now, it is my understanding that there's not much I can do about rebuilding until everything is discharged. Is this correct? It pains me I have to wait potentially months before I can start repairing.
In the meantime, I have shut down all bank accounts in existence before the filing date. I figure rebuilding needs to start fresh, from accounts that don't have their numbers floating around other financial offices. After some research I opened new accounts at USAA (wonderful experience so far btw, the internet reputation is spot on.) and moved any cash I had from the closings into it. Essentially making it the only asset and viable account I currently have. Untied and unbenounced to any previous financial accounts.
The next move should be credit related. A month past DOF and I'm already receiving offers of credit for auto loans. For the most part I throw them away. Not because a new car is out of the question, but because I'm not interested in being forced to buy an overpriced car with an overpriced loan. (In case some don't know, these offers are from dealerships that mark-up the principle cost on the car well above KBB and then finance them with extremely high interest loans. So essentially you're getting screwed twice.) Now, I'm well aware of the fact that getting any reasonable rates and offers is going to be a fairy tale for a while, but after reading around I believe if you choose carefully and research obsessively before doing anything, you can form a plan path of greatest potential.
2. So with that, what's the very best move to begin rebuilding fast?
Here's what I've found so far: Secured cards are fine, but far from the best option in terms of rebuilding quickly. What you want is a traditional card even at the sacrifice of higher interests & fees (common sense involved, obviously). Keep this card at a revolving balance below 27% of the available credit amount. Capital One seems to come up often as being the best option here. The idea is to get ahold of one of these as quickly as you can, so you can start building a positive history again.
Having an AMEX before, I want one again. I loved that card. So after calling them and reading around on the net there's really only one path to possibly getting back into that club as quickly as possible and it's not guaranteed (Also assuming you didn't have a balance with them in the BK. If you did, they hate you and you'll be playing ball with the last picked kid at recess). They have recently released their prepaid cards and in the beginning they spoke of holding one of these card for a while with good spending habits and you'll receive an invitation to apply for a traditional credit card after a certain unannounced time. Not sure if it's true or if anyone has successfully gotten back in using this method. So if you have or heard of someone, let me know.
3. Stick with the one card for a while or systematically apply for multiples over the next couple years?
I have read a couple times about people initially getting the Capital One card referenced above. Then after 6-8 months of good rapport with it, applying for an additional card through a different company with better terms. It made sense to me as after the first 12 months the promotional incentives on some of these cards expire, so replacing it in the right time frame is smart. My understanding is it also builds your history faster as you add-on different financial companies with positive feedback over time to your report. The concept makes logical sense, but I thought I'd see what the opinions on here are.
4. Is obtaining an auto loan worth it?
My current vehicle is falling apart. I can probably get another year out of it, but I'm going to need to replace it soon. Now, these offers I'm getting in the mail are **bleep**, but I'm wondering if it would be smart to see about special financing (high interest loan) for a small auto loan (6-10K) within a year after discharge. I'm not interested in trying to buy nice the first go round, I'll just need something that is economical and the small loan can be manageable as well as contribute to my positive history. I figure the diversity in credit isn't a bad thing either. CC's can go so far, but having a vehicle loan obtained post-BK and paid off within 2 years after filing may be a great thing. If this notion is horribly wrong I can buy one cash, my thoughts where I'd be happy to pay a little extra in finance charges if it will help quicken my FICO recovery. No?
All in all, if I have to sit and wait for this thing to discharge I want to spend that time precisely planning a quick and perfect recovery. Obtaining the right CC's at the right time and making the most effective/efficient financial moves.
I'll be joining the 2013 Fitness Challenge as soon as it's posted to help record and report my progress to you all.
So, what are some of your experiences and what do you all recommend? Are my understandings accurate? What would you do (or have you done) in my position?
I'm most interested in those of you who have recently gone through this, as y'all have recent market experience. I plan to eventually write about my experiences and share my learnings with those considering this move a couple years from now.
Thank you for any insight and comments.
Colter, congrats on moving on with your life. BK can be tough, but honestly for me it was a life saver. I like you, suffered huge business losses and dug deeper, used my 50k in credit limits to spot-weld and eventually came to realize BK was the way to go.
Your plan should involve getting positive tradelines reporting ASAP, and ensuring your CR is reporting accurately as quickly as possible, so a monitoring service with 3-daily pullers will be your friend. Also, sign up for creditkarma. Dispute till kingdom come until lines are reporting accurate information. I am currently working on a 24 month plan to re-enter the 700+ club. Bear in mind, I burned AMEX, Citi, Chase and Capone in my BK. Also, do your best to app sparingly, I use whogavemecredit and credit pulls database to verify before I app for anything. INQs will hurt you.
So the plan, month 1,1. use Capone's soft puller, see if you qualify for any of their unsecured products. If not, get their secured card for what ever limit you like. Cap one forgives and will report to all three. Never ever have over 10% util. I would also consider a small credit builder loan from a CU or an autoloan that you can handle. The rate will likely be abysmal but you can refi if your LTV is reasonable.
2. 3 months after secured, app for a Capone unsecured and CreditOne card. CreditOne is horrible, but they have a soft pull prequalifier. You should now have several positive tradelines. Consider opening a few cards via shopping cart trick. They should help your util and available credit limit (Buckle, express, Jcrew, roamans, vsecrets are known culprits for the trick)
3. Around 6-7 months after your first tradeline began reporting, Barclays should enter the mix. Their apple card seems to be very favoravble.
4. At 12 months, Discover. ( This is my plan)
I am only a few months in, my score has gone from 400s pre BK to 500s post BK to 650s 6 months out. I will be back at 700 within 24 months if I let my accounts age properly and stick to my plan I think. Also, I will close CreditOne at 11 months for sure.
For the immediate future, I would forget about AMEX, BOA, Chase, and Citi. They are likely to decline with vengeance and gusto. With time, and care of your lines, things should be looking good pretty quickly.
Adding my thought to those of shold44...
Right now be sure you have current hard copies of your three credit reports. Your lawyer probably pulled them, but it;s critical to have the real reports from the free annual credit reports site (the real one). The reason is that as you clean up after discharge you may need to prove things. For example I discharged a GECRB account, they tried to change others they had previously closed to IIB. Because I could prove they were closed prior to filing I was able to get them changed back to closed, zero balance, with no negatives. You also need accurate DOFD information.
Other than that there's not much you should do before discharge.
If you discharged CapOne you may not be able to get even a secured card from them. That was my experience, what was frustrating was that that they approved me then denied me after receiving my deposit. (HSBC did the same thing). There are other options.
You mentioned you opened an account with USAA. Are you a "full" (insurance qualified member) or a banking customer? I see back and forth about whether their secured cards are available to less than "full" members. They offer a secured, true Amex card, as well as a secured Mastercard. The downside is their secured cards don't "graduate".
If you were eligible for USAA full membership, are you eligible for Navy Federal Credit Union (NFCU) membership? The rules are a bit different between the two but worth looking into. I would open checking and savings accounts at NFCU now with direct deposit. Then wait until discharge, apply for credit from NFCU, and if denied then do a secured "double play" by taking a secured installment loan, then using the proceeds to secure a secured VISA. I've heard of many people getting unsecured credit right after discharge from NFCU, I didn't even ask, I went with secured products right after discharge. My secured card graduated after a year with an increase in limit. 16 months after discharge I refinanced a car loan at 5.99%.
If you aren't able to join NFCU look into other CU options in your area. You may qualify for one through you employer. Many CUs will work with you after discharge. Other than USAA I won't deal with a bank again if I can help it, CUs are much better IMHO.
To maximize your score you need "two or three" national credit cards, and installment loan, and eventually a mortgage if you choose to buy a home. (Paradox of credit scoring as one mortgage broker put it - "the best way to raise your score is to get a mortgage"). Store cards aren't as good. Definitely keep total utilization below 30% on revolving debt (below 10% is better). If you get a secured card each from USAA and NFCU along with a secured installment loan that's your best shot.
The car is a risk. I had to deal with a lease vehicle return, luckily I was able to finance a certified used car with Ford Motor Credit at 11% 9 mos after discharge (many years of positive experience with FMC, no discharge with them), refied seven months after with NFCU. I just traded that car in and got a new Ford on 66 mos zero percent through FMC. I would NOT deal with the bankruptcy programs sending you mailers.
Thanks so much for the opinions and viewpoints! I think, gathering from both your thoughts, that keeping revolving balances really low across a few cards is better than keeping one or two cards at higher but still low % revolving balances of available credit. Makes sense, keeps diversity on the report while maintaining debt to income ratios.
Being an economics and statistical head, I'm most interested in the numbers and algorithms the system is designed around. If I can gather views and experiences from others maybe I can use Zaller-Deffuant style thinkings to get close to what's going on there and design a plan with extreme accuracy.
I began preparing for this move months ago and started closing the major bank's (AMEX, Citi, Chase) accounts with me to try and reduce the amount of blacklists I end up on. The only one I wasn't able to keep off the BK list was NFCU. That unsecured loan was a refinanced default balance from a closed new Auto loan I had with NFCU. After selling the car they took two years to do the refinance into that unsecured loan and when they did finally get around to it I was already knee deep in crap trying to stay afloat.
So, I may be wrong, but I doubt seriously NFCU will want to get back in business with me at all. The USAA accounts are consumer banking accounts and I don't qualify for their casualty insurance division, limiting me in the products I can have with them. The checking and savings I have with them has been great so far and their customer service is fantastic, but I think I'll eventually be moving to a bank I can keep everything with (auto loans, cc's, etc..). Chase maybe?
When I first filed, about two weeks after actually, my score shot up from a 502 to 634. I signed up for score watch on here and it's now down in the 435 range. :-/
I'm hoping once everything is discharged I can go through the hassle of getting everything sorted out properly. I'm meticulous about things like that anyway, so it was always the plan.
I noticed you guys recommended different service for credit management. I had TrueCredit (TU) monitoring service for 3 years or so and I liked it, but it's TU. I've never had a bank pull TU scores for credit checks. Almost always experian or equifax. So, I want a service that works closely with them to make the process easier.
What do you recommend to use? MyFico, Truecredit, Credit Karma? I know they all offer the same style service, but which one is easiest and most effective at repairing & monitoring miss-reports?
Thanks again for the comments.
So after doing some google research it would seem that the scoring products out there are a HUGE jumbled mess. Between a FAKO, FICO, FICO 8 and what some companies pass on simply calling a "Credit Score", it's nearly impossible to decipher what the real number is. In fact, most service providers provide scores to consumers that are usually 30-100 points higher than the actual score. So good luck walking into a finance department with sincere confidence.
However, the MyFico product is supposed to be the most accurate one to what a finance company will pull. Providing actual FICO scores to the consumer. From what I read, they're alone in that right, as every other provider gives you either FAKO or self generated "Credit Scores" that are meant to be within a "range" of your actual FICO score. BS if you ask me. Experian doesn't even offer the consumer the actual score they provide to financial companies, for some reason this bugs me to no end. It's my score and I don't see how they have the right to conceal my own personal information from me. I see someone suing them at some point in the near future. For that score to dictate so much in our lives financially, it seems like a right to know.
Anyway, just passing on my findings...
I was going to add a little bit about my personal experience with Chapter 7 and the recovery process
I got a Capital One unsecured card about 2-3 months after my BK was discharged. I had included 2 Capital One cards in the discharge btw. Your milage may vary but it is definitely worth trying Capital One. You may be prequalified for one of their products but even if you are not, I will try applying for an unsecured card first.
Unless you have plans to buy a house in the near future, slow and steady wins the race. My recommendations will be to hold on to your first card for at least six months to a year. Don't get an auto loan unless you absolutely need a new car cause your interest rate will be significantly better in a year (and you'll have more options- including Capital One auto, who offered me a pretty decent rate (5%) about two years post BK). The most important thing will be to pay your bills on time, every single time. Never, ever, ever be late.
MY recommendations for a second card will be Barclay, Discover, your local credit union, and something GE backed, like Walmart. All those cards have the potential of growing with you. Capital One more than likely will not although they are currently in a funk right now and are handing out CLI like candy. The longer of a period you wait between the first card and the second, the chances of an approval goes up significantly. Which is why I would deifnitely wait as long as reasonably possible to get a second card. I waited a little over two years, which is longer than what most people on here will tell you but it worked pretty well for me. I haven't been denied for a single thing I applied for post BK, except for an Amex but that is a different story altogether.
Amex is not BK friendly. From what I gathered from your post, you did not include them in the BK so they may be a little bit more favorable but I think your odds are pretty slim. There are reports of individuals on here who have gotten an Amex before the BK fell of their credit reports. Generally the approval happened about 7-8 years post discharge for most of those individuals. Amex has a program (Optima I believe, maybe Oasis) where they will issue a card as long as you pay back your obligations to them. I'm not sure how that would work for you since you actually don't owe them any money.
I'm almost five years post BK (5 years in January) and I'm thankful for the opportunities it has provided me. I'm a LOT more credit savvy than I was before filing and I have been able to take charge of my financial future. I know that I am in a position to get most any loan I want- unless I apply to BK unfriendly creditors. Recovery is fun and totally gratifying. I am thankful for the information I got on this site. Read as much as possible but don't get the app fever. Good luck on your recovery!!!
I also forgot to say that you shouldn't waste your time with the AMEX prepaid card. I tried that route too, as did many other people on the forum. Not helpful at all.
Just giving my two cents as I am a recent dischargee myself (July 2012).
I see you are with USAA - but know that they are not BK friendly. Do your research on BK friendly creditors and banks to start off with first. My first rule out of d/c was, I was not banking with anyone who had a policy of not lending to BKers for a set amount of time. USAA tends to not be BK friendly as a lender for 3-5 years post discharge, not to mention most get them confused with a credit union, when they are indeed just a bank - a military bank.
Credit Unions are going to be your best friend post-bk. Forget about Amex for the next few years until that BK falls off - and sometimes not even then. They used to have the Oasis program that gave you a chance back in with them by repaying your old debt, but I heard that was abolished very recently.
Join a good credit union - their sole purpose is not to make money off of you - but to create a better contributing member of the organization by ensuring you get your credit back into good shape. Be upfront, and they will tell you their policies, as all credit unions are not good. I did the same as you - when I started consulting attorneys I closed current accounts and moved to a new credit union - not sure what I was going to do, and when I filed I didnt have any products with them so they were not in my BK, but after the fact I found out that their "internal policy" was not to lend to anyone who filed bankruptcy for at least three years - even if you miraculously got your scores up to 800 in that three year time frame - it would still result in a denial, which was understandable. What made me even more adamant about closing the account, which I did btw - was that even for a secured card that would be locked and backed by my deposit to help me rebuild would also fall under this guideline - I would not be allowed even a secured card.
Your result may vary with Cap One post BK - I havent tried since September and I was d/c just in July, but people say that they give you a second chance if you BK them. I tried, and I will tell you that my credit did not get pulled, the denial came back before they even got to that step and the denial was always the same (three times) "Previous delinquency with Capital One" which I respect, for the fact that they did not pull my three bureaus only to deny me as Cap One does for some reason - they like to pull all three bureaus to make decisions. Regardless, I see it as a blessing, because most times people that do get approved get into the credit steps program, that goes no higher than 750 for the credit line. As your BK ages, having that small line will cause new creditors to follow suit with smaller lines - then you will get pissed off, and want to close that line to prevent this cycle, which will only hurt you because you would be closing your oldest line.
I did my research and decided it was best for me not to risk all the inquiries to be denied or given small unsecured lines that will hurt my future - I went the Secured route. I did this with Navy Federal and Apple Federal Credit Unions, and with both of these lines, they will graduate to unsecured in 1 year after opening with satisfactory payment history for at least the initial deposit (I did 1000 each) if not more and they do not report as Secured Cards incase I decide to apply elsewhere which I did ( I will get to that in a little bit). Even if they do report as secured, it has the same positive effect on your Fico - and when they graduate the cards, you keep the same account numbers and history so it does not hurt your average age of accounts (a fico factor). I did this as follows, and this is called the 1-2 punch and is quite effective if you go this route to start;
I asked for a share secured loan with both Navy and Apple for 1000 each - they put 1000 on hold in my savings, and issued me a check for 1000 (so that is 2000 out of my pocket for now - ok fine). I took the 1000 that both of them gave me to open a Secured Visa for 1000, so now I have 4 positive tradelines of $4000 reporting with only tying up $2000 dollars. As I pay the secured loan monthly, it gets released back to my savings - so I pay 75 a month, of which 73 gets back to me right on the spot (2 dollars interest paid at most monthly) - so for $2 a month, I pay them the priveledge to increase my credit score until it is paid off....I took 12 month terms for the loans, so essentially at the end of the 12 months, I paid two loans satisfactorily, got my $2000 back in increments, and by time this all is done, my two secured cards are graduating - so then I get another $2000 back - this time next year, I will have 4 positive tradelines reported post BK, and I simply tied up my own money which btw grows interest and will be paid to you on completion.
Seeing this positive history already - I applied for a Barclay Rewards Visa, and they approved me - all they saw was my new positive credit post BK, they couldnt tell that it was Secured, and the analyst even said to me " I see your BK history and you are on the right track, do well with this new card we are going to give you - and you will get automatic increases"....the secured route paid off for me. And what did Barclay do? Since I was so fresh out, and demonstrated good history, they started me with the same $1000 credit line they saw on my reports just to test me....if I had got that Cap One for $300 or 500 unsecured, thats probably what they would have given me. Not to mention, depending on who you get these new unsecured cards with - they are known in the credit industry to other creditors, so sometimes just the name of certain creditors will cause denials in future credit on your reports (i.e First Premier, CreditOne, Applied Bank...etc). Secured Credit Union cards not so much, because credit unions are not classified as subprime lenders or consumer finance companies.
One or two credit cards? Two to three revolving lines (credit cards) maximize fico points, just one will help, but best is two to three. I did two for now, albeit they are secured, the two secured led to my one unsecured so now I have three.
Yes, it is best to wait until discharge for any clean-up credit repair - all other attempts will be in vain as if you apply for credit now before d/c nobody will touch you.
Utilization @ 27% is good, but below 10% gives you maximum Fico points. If you get three cards, keep the reported balance below 10% on just ONE card, not 10% combined across all three. You get max points when two of the three report a 0 balance - sometimes this isnt realistic to maintain - but you want it this way before you apply for any new cards or loans. It is said 5% is the best in fico scoring, but after 10% it slow decreases your points, and after 30% it tanks it - so stay under 10%, most experts here will concur that this is correct and I see it in my own fico scoring that I monitor. When I creep above 10% I start seeing a fast decline. With that said, 0% is even worse. You get no brownie points for having all credit cards reporting at 0. YOu have to show that you responsibly use credit, so I usually let a 5-10 dollar balance report to show utilization in my fico scoring.
Is an auto loan worth it? Yes and no. Installment loans (personal loans, auto loans, student loans) do little for Fico scoring on the credit side of things like getting new cards and loans, but it does help with future car purchases - lenders pull auto enhanced ficos that factor in past and present auto loan history - so with a good paid/paying auto loan - you may see a Fico of lets just say 670 - but when you go to a dealer he may pull 730, the difference could mean 730 qualified you for top tier leasing or 0% financing, but 670 would give you 5-7%, which would you rather pay? These are obtainable with BK history. Car loans will be the easiest to get approved for after discharge, your interest rate will not be pretty - that is where your credit union will come into play. Cars are in essense secured loans like secured credit cards...you may find a creditor who will NOT give you a credit card but that same creditor WILL give you an auto loan because the car secures it. Credit unions are your friends here too. Cap One may give you 21% out of discharge, a credit union will give you 10% with the same score.....3 months post BK - I was freaking out as my car loan that I was paying on thru bankruptcy was falling apart that I did not reaffirm. I searched high and low...Roadloans approved me @ 24%....I decided I would walk before I took that. Took a chance with my credit union, Apple who previously said no to a unsecured credit card, and they said "sure you can, 10.74% for any auto any amount" which btw 10.74 is high for the normal person, but EXTREMELY good for a person 3 months post discharge, I was happy! This was based on a 600 TU Fico score, the same one here offered on Myfico. I was reasonable and said, ok with that high of a rate, let me be practical after driving Infinitis, high-end Honda Accords and go to Toyota and just get a used Corolla for 10-15k, I'll buy new in a few years. The salesman was so nice, he kept persisting to "just let me see what I can do for you, let me pull and submit to Toyota", we had already had a deal set-up for a used 2010 corolla at 12k that would have been 340 a month with the 10.74% from the credit union with 2000 down. I finally gave in, and let him see - I already had my approval if they said no - what was one more inquiry?
Toyota Financial pulled my auto enhanced Fico from Transunion - and as I said, my normal Transunion fico on here was just 600. My auto-enhanced came back at 650, a 50 point difference. That put me into Tier 3, which RIGHT NOW until January 2013 qualifies for Tier 1 rates - you can lease or get 0% financing on brand new Toyotas for 60 months or finance certified used at 1.9%. BTW...I have no history with Toyota, in-fact when my fico was 730 before BK they had denied me. I had no lates or derogatory credit history. They approved me to lease a BRAND NEW 2013 Toyota Corolla S fully loaded, gave me $1500 customer cash and my lease payment is 236.00 a month, no cash out of my own pocket for 36 months. Not even in half an hour's time this was all done, it took them even longer to find me the color I wanted than it took for them to get the approval. I have never been really fond of their designs, I've always like Nissan and Honda - but guess what, they earned my business from now on by giving me a chance so soon after discharge. And best thing about them - even if my credit never improves or I mess up again down the road, if I pay them on-time every month, they will finance me for life at top tier rate - they own Lexus, so when my lease is up - I can go to Lexus and get whatever I want and can afford - no questions asked even if my fico is 400 and nobody else will finance me. They even called and offered me the Toyota Rewards Visa card to earn points towards my next purchase when the lease is up - oh and that 236.00 payment? That was originally 255.00 when we signed the deal, Toyota called two weeks later and had made an oversight, and placed me one tier higher which brought the payment down to 236.00...can you imagine? With a three month old bankruptcy, and all of my bankrupcty accounts reporting...
All of this, because I started with two secured cards, less than three months old at the time, I signed for my new lease on 10/31/2012 - just three months over my discharge date. So it is all possible, if I had not joined my two credit unions that would even ALLOW me to get secured credit, this may not have happened.
Moral of the story, reasearch BK friendly credit unions and creditors - and stay away from just any unsecured card as your future credit will depend on it - as you can see, going the secured route got me back in with prime financial institutions not even 4 months post discharge.
Sorry to be so detailed, but I'm happy to pass on the info that was passed on to me just not that long ago from members here and other forums. You're on the right track as I was, reading and asking questions while pending discharge - that way you can come out of the discharge gate running.
shols44 wrote:
Colter, congrats on moving on with your life. BK can be tough, but honestly for me it was a life saver. I like you, suffered huge business losses and dug deeper, used my 50k in credit limits to spot-weld and eventually came to realize BK was the way to go.
Your plan should involve getting positive tradelines reporting ASAP, and ensuring your CR is reporting accurately as quickly as possible, so a monitoring service with 3-daily pullers will be your friend. Also, sign up for creditkarma. Dispute till kingdom come until lines are reporting accurate information. I am currently working on a 24 month plan to re-enter the 700+ club. Bear in mind, I burned AMEX, Citi, Chase and Capone in my BK. Also, do your best to app sparingly, I use whogavemecredit and credit pulls database to verify before I app for anything. INQs will hurt you.
So the plan, month 1,1. use Capone's soft puller, see if you qualify for any of their unsecured products. If not, get their secured card for what ever limit you like. Cap one forgives and will report to all three. Never ever have over 10% util. I would also consider a small credit builder loan from a CU or an autoloan that you can handle. The rate will likely be abysmal but you can refi if your LTV is reasonable.
2. 3 months after secured, app for a Capone unsecured and CreditOne card. CreditOne is horrible, but they have a soft pull prequalifier. You should now have several positive tradelines. Consider opening a few cards via shopping cart trick. They should help your util and available credit limit (Buckle, express, Jcrew, roamans, vsecrets are known culprits for the trick)
3. Around 6-7 months after your first tradeline began reporting, Barclays should enter the mix. Their apple card seems to be very favoravble.
4. At 12 months, Discover. ( This is my plan)
I am only a few months in, my score has gone from 400s pre BK to 500s post BK to 650s 6 months out. I will be back at 700 within 24 months if I let my accounts age properly and stick to my plan I think. Also, I will close CreditOne at 11 months for sure.
For the immediate future, I would forget about AMEX, BOA, Chase, and Citi. They are likely to decline with vengeance and gusto. With time, and care of your lines, things should be looking good pretty quickly.
Sounds exactly like SoulMaster's plan.. OP, you can find his detailed step by step here:
Hi hrguy,
Apple federal do a hard pull or soft pull. And if hard, which credit bureau do they use? Very interested in securedcard. Thanks for your post! Found it very helpful.
I always had the notion that Credit Unions where a better option for financing. I like USAA so far for everyday banking and they're super revolved around customer service. Not to mention I have an investment account with them generating a little over 10% APY on my savings, soooo hard to leave that.
I have been considering going down to Bellco Credit Union (I'm in Colorado) and opening just a small savings account with them to gain membership, only to have access to their financing department... Finance everything there while I'm recovering. If it takes a solid 6 months for the BK to discharge then I'm looking at an April 2013 DC date. So I have a bit of time before things become workable.
Apple CU seems to be a decent place to be as well. I'm not tied to Bellco, they just have a branch here and I hate to be tied to a bank that doesnt have a branch or the technological infastructure (apps?) to make up for the lack in location. Whats your experience with them on that front.
How did you find out about the qualification teirs available at Toyota? I'm wondering if there's a way to call and find out those deals, instead of just throwing it to chance. You got extremely lucky on that front, not meaning it can't be recreated, but would probably need to be researched before hand. What do you think?
All this information is great. Thanks so much.


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Born in Japan and spending her childhood in the United States for a total of 9 years, Yuriko joined Reuters as a new graduate in 2001. Starting off as a text reporter, she moved on to television and became a photographer from 2002, which she had yearned for. During her tenure, she covered major events including Banda Ache tsunami, Japan's Great East earthquake, APEC, Summit meetings, various sports events, politics, business, features, fashion, nature, entertainment, disasters etc. She has become an independent photographer from January 2013 to pursue wider genre of photography.
Currently she is based in Tokyo area and her clients include various international and domestic major news agencies, newspapers, magazines, corporates, outdoor companies, embassies, government etc.
Her motto in her photography is "Sense of Wonder" (inspired by Rachel Carson's book)


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A Farmers Market Demo with Sweet 'n Sour Rhubarb Pickles and Rhubarb-Apple Compote (gluten-free, cane sugar free, vegan options)
On Saturday, June 11, I gave a rhubarb-themed cooking demonstration at the Minneapolis Farmers Market during their weekly Market Talk segment. This was my third cooking demonstration at the market, and as usual, it was an absolute blast. Market Talk host (and local food blogger) Emily Noble and I walked the crowd through a brief history of rhubarb, shared suggestions for selecting and storing rhubarb, and gave advice on how to care for plants of your own. Then I demonstrated how to prepare Sweet 'n Sour Rhubarb Pickles and Rhubarb-Apple Compote, recipes that I had developed for the event. Despite the rather chilly temperature and high gusts of wind that nearly took away our tent a few times, it was very sunny and the market was hopping.
As usual, I had a wonderful kitchen setup to work with, complete with large stainless tables, utensils, a gas-powered double burner, and a snazzy microphone headset. Emily shopped the market that morning for the freshest, most beautiful rhubarb, apples, ginger, local honey and maple syrup, and a few other ingredients. I came armed with everything else I needed, including one of my favorite vintage aprons.
The crowd was highly engaged and interested, asking lots of questions and offering up their favorite ways to prepare rhubarb. They even laughed at my jokes! My assistant (yes, I had an assistant!) passed out samples, which were quickly eaten up by the crowd and received enthusiastic smiles and thumbs-ups all around. And the retention rate was excellent, even though the demonstration went well over an hour.
Curious about the recipes? The pickles are a sweet and sour pickle, heavily flavored with clove, allspice, cinnamon, and ginger in an apple cider vinegar and honey (or maple syrup) brine. They celebrate the natural sourness of rhubarb rather than trying to cover it with lots of sugar. It's like they say, "I'm sour, love me for it!" The compote was the sweet counterpoint to the pickles, an aromatic and flavorful mix of apples, rhubarb, raisins, honey or maple syrup, cinnamon, nutmeg, and cardamom, cooked together with apple juice. The high amount of pectin in apples allows the compote to thicken considerably, creating a luscious fruit mixture that is ideal eaten on its own, over ice cream or yogurt, or with pancakes or waffles.
I passed out a recipe booklet of some of my favorite rhubarb recipes from my kitchen and my family's kitchen, which included both the pickles and the compote. The recipe booklet was a hit with the crowd and I will share it with you here on the blog. But first, I need to scan my hand-illustrated cover and attach it to the Word document, then set the whole thing up in Google docs so you can have access to it or figure out how to load a PDF into this post. When I do, I'll be sure to let you know!
In the meantime, I want to share the recipes for the two recipes that I demonstrated that day. I hope you enjoy them. Happy rhubarb season!
Previous Farmers Market demonstration recaps and recipes:
- Fresh, Local, And Gluten-Free: Two Farmer's Market Fresh Recipes (June 2010)
- The Ravishing Rutabaga - Or - It's Not A Turnip, People: Four Recipes For Using A Misunderstood Root Vegetable (October 2010)
Kim's Sweet 'n Sour Rhubarb Pickles
By Kim Christensen
These pickles are inspired by cucumber bread and butter pickles. They are sour, sweet, and heavily spiced, and are a bold addition to a relish tray or served with Indian, Middle Eastern, or North African dishes. A fun and unexpected way to preserve the rhubarb harvest! I like this recipe because it celebrates the naturally tart, sour quality of rhubarb, rather than hiding it below lots of sugar. Rhubarb tends to be a bit fibrous and hard to bitd through, so you may opt to cut your stalks into shorter, bite-size pieces.
Yield: 2 pints or 1 quart
- 1 1/4 cups apple cider vinegar (I suggest using raw and unpasteurized apple cider vinegar, such as those by Bragg's or Eden Organic)
- ¾ cup filtered water
- 1 cup maple syrup or honey
- 1 ¼ - 1 ½ pound rhubarb, thin stalks if possible (about 1/2-inch thick)
- 1 ½ inches peeled ginger root, peeled and thinly sliced
- 1 tsp whole cloves
- 1 tsp whole allspice berries
- 1 tsp whole fennel seeds
- 2 cinnamon sticks
- 4 dry chili peppers
Place vinegar, water, and maple syrup/honey in a saucepan over medium heat. While mixture heats, cut rhubarb stalks into lengths that fit inside the jar with approximately 1-inch headspace (about 4-inches long if using a pint jar). If your rhubarb stalks are much thicker, slice them in half or quarters so they are about 1/2-inch x 1/2-inch before cutting into 4-inch lengths. Set rhubarb aside.
Divide cloves, allspice, and fennel between the jars. Then place rhubarb stalks inside, tucking sliced ginger, chili peppers, and cinnamon sticks between the stalks.
Pour boiling vinegar mixture over rhubarb until jars are full, leaving about ½-inch headspace and making sure rhubarb stalks are fully covered. If you have leftover brine, save to use for salad dressings or other pickling projects. Screw on jar tops and let cool on kitchen counter until approximately room temperature. Then place in the refrigerator. For best flavor, let sit for 1-2 weeks before consuming.
Rhubarb-Apple Compote
By Kim Christensen
Sweet and aromatic, this compote is excellent served warm or chilled. For a simple fruit dessert, it can be served alone, or spooned over yogurt (as in photos above) or ice cream. It is also very good served over pancakes or waffles. For a savory twist, serve alongside grilled or roasted pork or chicken. The flavors of this dish are perfect for autumn, so freeze some of your rhubarb to use later on this year when the seasons change!
Yield: approximately 1 quart
- 3 cups rhubarb, sliced in 1-inch x ½-inch pieces (about 1 pound rhubarb) - use either fresh or frozen (not thawed)
- 3 apples, quartered, cored, and chopped in 1-inch x ½-inch pieces (about 1 pound apples)
- ½ cup raisins or currants
- 1 cup apple juice
- 1 ½ tsp ground cinnamon
- 1 tsp ground cardamom
- ½ tsp ground nutmeg
- ¼ cup honey or maple syrup (or more or less, to taste)
- 2 tsp lemon juice
- 2 tsp vanilla extract
Prepare rhubarb and apples as directed. Place in a saucepan with raisins/currants, apple juice, and spices. Bring to a high simmer over medium-high heat, then turn off heat, cover, and let sit for 5 minutes. Remove cover and stir in honey, lemon juice, and vanilla extract. Replace cover and let sit for 3-5 more minutes. Let cool slightly before serving, mixture will thicken as it cools. This is also excellent served chilled.


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Share the Wealth Sunday LInk Up {#99}
Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It's that time of the week again: share your latest and greatest posts for money saving ideas, recipes, DIY, crafts, parenting and more on the Share the Wealth Sunday Link Up.
Come visit us on social media and say hi! We'd love to get to know you more! It would be great if you would follow us too:
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Suggested guidelines:
- Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
- Leave up to three links that you have not linked up within the last six months
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- Grab the Share the Wealth Button for your blog
- Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
- Follow your hosts on Facebook and other social media—we want to stay in touch!
- Link your post back to this site so others will know about the party each week!
Eat, Drink, and Save Money: 4 Family Activities in Orlando other than Disney & Universal
Fun Money Mom: 2017 Disney Social Media Moms Celebration Day 1
Money Savvy Living: Blueberry Mango Smoothie
Little Light On A Hill: 4 Ways to Save More Today
Daily Momtivity: Ways to Beat the Heat
Popular Posts from last week:
Money Minded Mom: 99 Frugal Living Tips
Earning & Saving with Sarah Fuller: 15 Cheap Easter Games to Keep Them Hoppin'
Grandma's House DIY: Old Frame Upcycle with Chicken Wire
4 Ways to Share Your Blog Posts Each Week:
Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:
Share the Wealth Facebook Group Page
Have you joined the Share the Wealth Facebook page yet? Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We'd love for you to join us! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!
Beautiful Budget Life Pinterest Group Board
Our brand new blogging community, Beautiful Budget Life, is now LIVE!! And, we have a group Beautiful Budget Life Group Pinterest Board… sooooo, just one more way to share your posts with a bigger audience!
Share the Wealth Pinterest Group Board
Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.
Also, don't forget to follow your Share the Wealth Sunday hosts on Pinterest too (it makes it so much easier to add you to the group boards!):
Share Your Recent Post to our Blogs' Facebook Pages!
Yes! Feel free to stop by our Blogs' Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!
Healthy Living Facebook Page:
Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!
Side hustles that can create full-time income:
As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children's schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:
Start your own blog, and learn how to make money from blogging.
Make money from home while getting healthier and bridging the nutrition gap for your family…
Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.
Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:
Big Changes are Coming!
Starting next week, April 1, the Share the Wealth Sunday Link Up will be moving to Beautiful Budget Life, our new frugal lifestyle community blog!
And, it will be a month-long link up, so you are welcome to stop back several times throughout the month and link up your posts!
You can join us now on social media:
Beautiful Budget Life | Facebook | Instagram | Twitter | Pinterest
Link Up:


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SOURCE: ACH Foam Technologies
January 15, 2013 10:32 ET
DENVER, CO--(Marketwire - Jan 15, 2013) - ACH Foam Technologies, headquartered in Denver, provided 500 truckloads of EPS geofoam for Salt Lake City's airport TRAX light rail extension -- now the largest continuous section of geofoam fill in the United States. The EPS manufacturer provided Types 29 and 39 Geofoam for the bridge approaches in two sections of equal size for a quantity of over one and a half million cubic feet.
The geofoam was transported to the site from ACH Foam Technologies' plant in Murray, Utah. The light rail extension travels along North Temple to the Salt Lake City International Airport. Completion is scheduled for summer of 2013.
According to Ryan Snow, project manager from General Contractor Stacy Witbeck, it was necessary not only to complete the airport extension under budget and on time; but also that "UTA relied on us to understand the community via public outreach. It was important to make the inconveniences inherent in this type of project -- such as road closures and traffic delays -- as painless as possible. We set out to find every possible means of efficiency -- in cost as well as timeline."
The team determined that geofoam would assist them in keeping on schedule and costs under budget. Geofoam weighs in at 1 to 3 pounds per cubic foot (16 to 48 kg per cubic meter), which is 100 times lighter than soil and 20 to 30 times lighter than other alternative lightweight fill materials. This extreme difference in unit weight, compared to other materials, makes EPS geofoam an attractive fill material to significantly accelerate construction schedules.
"If we had used traditional embankment materials, the project would have lasted an additional 2 years," said Snow. "Because the geofoam doesn't require settlement, we can have the project completed two years ahead of schedule. That's not just time, but money saved. Commuters benefit tremendously, and the result is a happier community." Snow added that the overall airport extension is currently 5 to 10% under budget.
See all RSS Newsfeeds
ACH Foam Technologies delivered 500 truckloads of EPS Geofoam for the largest continuous section of geofoam fill in the US: Salt Lake City's airport light rail extension.
View Image: S M L


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COLORADO SPRINGS, Colo. – Fresh off the first national championship in program history, members of the King University women's wrestling team traveled to the Dave Schultz Memorial International Tournament to wrestle against elite competition from around the world.
Alli Ragan and Amanda Hendey both reached the semifinal rounds of their respective weight classes before suffering their first loss of the event. Hendey fell to Marianna Satsin of Hungary to finish fourth in the 60 kilogram weight class, while Ragan lost in the 58 kilogram consolation semifinals to Canadian Michelle Fazzari.
At 55 kilograms, Megan Black was defeated by Aizhan Ismagulova, who hails from Kazakhstan. She eventually reached the consolation semifinal round before falling to Jillian Gallays of Canada.
Sarah Hildebrandt reached the consolation semifinals of the 53 kilogram bracket, going 5-2 overall. She defeated teammate Haley Augello on a 9-2 decision in the consolation quarterfinals.
After winning the WCWA College Nationals last weekend, the Tornado will enjoy a well-deserved break before returning to competition on March 29 at the University Nationals in Oklahoma City, Okla.


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Psp File Transfer
DVDFab File Transfer is a handy and easy to use tool for you to remove converted files on the computer to devices such as iPod, PSP and ZUNE. More devices will be supported in the future. When DVD/Blu-ray/File to iPod, DVD/File to PSP, and DVD/File to ZUNE conversion of DVDFab is finished, the...
Platforms: Windows 7, Windows
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DVDFab File Transfer for Mac is a handy and easy to use tool for you to remove converted files on the computer to devices such as iPod, PSP and ZUNE. More devices will be supported in the future. When DVD/Blu-ray/File to iPod, DVD/File to PSP, and DVD/File to ZUNE conversion of DVDFab is...
Platforms: Mac
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Keeping your iPhone data be safe and stable, it's often recommended by experts to keep creating data backups regularly so as if data loss situations strikes you unintentionally, then loss can easily be recovers. iPhone file transfer is one of the most popular and reliable utility that offers you...
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Drive image and file transfer is a program for making image files of attached drives, Flash medias in first place. Writing image files to medias. Image formats: RAW, IMG, HDF. Extraction/adding of files from/to medias for diverse systems.
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Texas Economy Rises In December, Reports The Comerica Bank Texas Economic Activity Index
Feb 27, 2013, 02:00 EST
DALLAS, Feb. 27, 2013 /PRNewswire/ -- Comerica Bank's Texas Economic Activity Index increased by 1.2 percentage points in December, rising to a level of 101.3. The December index reading is 30 points, or 41 percent, above the index cyclical low of 71.7. The index averaged 98 points for all of 2012, eight points above the index average for full-year 2011.
"Our Texas index increased for the fourth consecutive month in December, to its highest point since August 2008. However, index components were mixed in December, with drilling activity continuing to slow down," said Robert Dye, Chief Economist at Comerica Bank. "Downside risks related to further cuts in federal spending could negatively impact the Texas economy in 2013. Housing markets continue to tighten, supporting prices and encouraging builders."
The Texas Economic Activity Index consists of seven variables, as follows: nonfarm payrolls, exports, sales tax revenues, hotel occupancy rates, continuing claims for unemployment insurance, building permits and Baker Hughes rotary rig count. All data are seasonally adjusted, as necessary, and indexed to a base year of 2008. Nominal values have been converted to constant dollar values. Index levels are expressed in terms of three-month moving averages.
Comerica Bank is the commercial banking subsidiary of Comerica Incorporated (NYSE : CMA ), the largest U.S. commercial bank headquartered in Texas, strategically aligned by three business segments: The Business Bank, The Retail Bank, and Wealth Management. Comerica focuses on relationships, and helping people and businesses be successful. In addition to 139 banking centers in Dallas/Fort Worth, Houston, Austin, San Antonio and Kerrville regions of Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico. To find Comerica on Facebook, please visit www.facebook.com/ComericaCares.
To receive this index directly to your email inbox, go to www.comerica.com/econsubscribe to subscribe. Follow us on Twitter at @Comerica_Econ.
SOURCE Comerica Bank


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Tsu Natural
by Camile Cote$118.00
SHIPPING CANADA FREE EXPEDITED Shipping over $50
Delivery should be expected in 2-4 Business Days.
EXPRESS option available for charge at checkout.
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Please note all shipments are subject to your States Duties and Taxes.
This will arrive via USPS. DHL Option available at checkout.
SHIPPING REST OF THE WORLD FREE Shipping over $300
Regular price product may be returned or exchanged for store credit. All discounted & custom orders cannot be returned and are final sale. Exchanges can be made within 14 days of receiving your parcel by emailing us at email@example.com
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging. Several types of goods are exempt from being returned such as:
Gift cards and Sale items
SALE ITEMS ARE FINAL SALE. Only regular priced items may be refunded. Unfortunately sale items cannot be refunded or exchanged.


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To drink an alcoholic beverage while is still in the brown bag supplied by the seller. Reasons to do this include, but are not limited to: discreet drinking, hiding of girly drinks to avoid embarrassment, to get more drunk than would be socially suggested (by hiding harder liquor), and to promote humor value of drinking. Can also suggest bringing alcohol to a party as to have an alternative to undesirable beer.
"Dude, I just got a keg of Natty for Saturday. You gonna come?" "Sure, but I'll be brown bagging it though."
"Hey, you brown bagging a Zima over there, or what?"
"Hey, you brown bagging a Zima over there, or what?"
by TheWarden February 04, 2005
Sometimes you meet a girl with a body like there's no tomorrow but a face like a mangy dog. Don't let that body go to waste and let her hideousness stop you from fucking her though. Just draw the smiley face on a brown paper bag, place it over her head, and fuck away while keeping your composure and piece of mind.
by tnt May 01, 2003
Misty really enjoyed me brown bagging her.
by shrinkles the clown June 29, 2010
The act of carrying alcoholic liquor at restricted places.
tr.v. brown-bagged, brown-bag·ging, brown-bags.
tr.v. brown-bagged, brown-bag·ging, brown-bags.
by hippy2981 November 08, 2006
"Hey, you like brown bagging?"
"No, I don't like testicles in my butthole."
"No, I don't like testicles in my butthole."
by OxMxGxTacos March 24, 2012
Bringing a Kick ass bagged lunch to school
Person 1: Dude what are you buying for lunch today?
Person 2: Dude my mom didnt give me money for lunch today so im brown bagging it.
Person 1: LAME!!!!!!
Person 2: Dude my mom didnt give me money for lunch today so im brown bagging it.
Person 1: LAME!!!!!!
by gusto September 23, 2005
using a brown paper bag for your lunch.
(it's a Charlie Brown reference, folks)
(it's a Charlie Brown reference, folks)
Sally: "You had me take my lunch to school in a lunch box...do you know what happened? All the other kids were brown-bagging it!! I felt like a fool!"
Charlie Brown: *sighs*
Charlie Brown: *sighs*
by anno13 September 09, 2005


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Residents of La Plata County know the men running for the 59th District seat in the Colorado House of Representatives personally. They see Republican incumbent J. Paul Brown perusing cereals at the grocery store, and Democratic challenger Mike McLachlan breakfasting at Carver Brewing Co. Yet their race is one of the most competitive in the state.
Redrawn last year in a bitter redistricting process that left the district more competitive for Democrats, the Colorado Democratic Party and the Colorado Republican Party are anticipating that whoever wins the 59th District will prove critical to determining which party holds the majority next term.
Right now, Republicans hold a one seat majority in the state house.
Brown, a rancher from Ignacio, has garnered endorsements from the Colorado Association of Realtors, the La Plata County Farm Bureau and anti-abortion groups, and he won the Colorado Civil Justice Leagues 2011 award for Common Sense in the Courtroom.
His voting record has also earned the ire of many liberal groups. Fightback Colorado, a group that advocates for civil unions, announced it would target Brown. The national League of Conservation Voters, a powerful environmentalist lobby, also named Brown to its Dirty Dozen list, which designates twelve of the most anti-environment state-level candidates throughout the country.
McLachlan, a Durango-based lawyer, has been endorsed by many prominent education groups, including the Colorado Education Association, the American Federation of Teachers, and, in a particular coup his campaign likes to tout, the Colorado Association of School Executives
Womens rights groups, including Planned Parenthood, have also thrown their support behind McLachlan.
Until recently, the tone of the race had been scrupulously professional, with both candidates refraining from personal attacks, instead making an effort to emphasize their clear political and ideological differences.
But as out-of-state money has poured into the district, both candidates acknowledge that the tone of their public dialogue has soured. Brown said he felt particularly betrayed by a mailer produced by McLachlan that characterizes Brown arranging a coyote-killing wildlife program that he and his father benefited from as ranchers setting up a slush fund for himself and his family while he served as La Plata County Commissioner.
I dont mind him bringing up a vote that I made that he doesnt like, but I dont like flat lies, said Brown.
McLachlans campaign defended the mailer as accurate.
Money continues to be one of the most interesting aspects of the race.
While the official campaigns for Brown and McLachlan are more or less financially tied going into the final four weeks before the election, starting in mid-September, independent expenditure from super PACs and 527s has handily eclipsed the campaigns direct spending.
So far, its heavily tilted toward McLachlan.
Filings with the Colorado Secretary of State show a Democratic super PAC, the Colorado Accountable Government Alliance, spent more than $100,000 on cable advertising in September on McLachlans behalf. According to Rich Coolidge, the Colorado Secretary of States spokesman, another Democratic super PAC, the Community Information Project IE Committee, spent a further $14,914 on door-to-door canvassing to support McLachlan in mid-September, bringing the total amount of independent expenditure on McLachlans behalf to $117,574.
Republicans groups arent taking it. Coolidge said in September, the major Republican 527, The Colorado Leadership Fund LLC, retaliated by spending $20,359 on ads for J. Paul Brown, and Justin Miller, spokesman for the Colorado Republican Party, said more money was certain to follow.
This could be the only thing standing in Democrats way, and the future of the country and the state is at stake. I fully expect Republicans to throw their entire efforts into holding that seat, said Miller.
In 2010, GOP groups spent as much as $56,572 on Browns behalf more than Brown spent himself whereas no Democratic groups spent money on behalf of his opponent, Brian ODonnell.


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Featured News - Current News - Archived News - News Categories
"A Night at the Theatre" to benefit the hungry and homeless of Niagara County
Community Missions of Niagara Frontier Inc. will hold a celebrity bartending event Tuesday, Nov. 19, at The Rapids Theatre in Niagara Falls. The event runs from 5-9 p.m.
Tickets are $20 per person and include a free drink, hors d'oeuvres and live music from the A-List Band. The evening will also consist of a live auction, basket auction and 50/50 raffle.
This year's bartenders include Ric Seiling, a Buffalo Sabres alum; Keith Radford of WKBW News Channel 7; Brian Costello of Diversified Manufacturing Inc.; Christina Pecoraro of Mark Cerrone Inc.; Rick Crogan of the Niagara Falls Music & Art Festival; John Chella, retired NFPD chief; Col. John Higgins, USAF ANG 107; CCM Dave Wohleben, 107th Air Wing; Tasha Villani of First Niagara and LYNC; local artist Otis "Blaqlion" Arterberry; Seth Piccirillo, Niagara Falls director of community development; and Donald McGuire, Lt. Col., NYANG.
All proceeds from the event will directly benefit the agency's crisis services programs, which include the community kitchen, clothing closet, food pantry and homeless shelter. This signature event will assist in continuing to provide food and shelter to the neediest neighbors of Niagara County at a time where demand is on the rise due to the temperatures dropping and winter fast approaching.
In addition to purchasing tickets, basket/prize donations and sponsorship opportunities are also available and appreciated. For more information on how to become a sponsor, donate, or purchase tickets, contact Andrea Gray at 716-285-3403, ext. 2225, or [email protected].
Since its founding in 1925, Community Missions has provided a unique blend of referral, crisis, community support and residential services for youth and adults. In 2012, the missions' crisis services programs served more than 70,000 meals, provided crisis housing to more than 600 individuals, and provided more than 9,000 nights of care to neglected or abused children and homeless adults.


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I've started a new feature over on the main page, The Friday Five. As you may have guessed from the name, it will be coming out on Fridays and will feature lists/countdowns of five items related to a particular topic concerning basketball video games, the real NBA and more, with the first edition counting down five things I feel basketball video games should avoid. You can check it out here:
http://www.nba-live.com/the-friday-five ... uld-avoid/
Future posts will be archived here:
I hope you enjoy the feature and that it'll provoke some discussion as time goes by.


text:
All public logs
From NAS-Central Buffalo - The Linkstation Wiki
Combined display of all available logs of NAS-Central Buffalo - The Linkstation Wiki. You can narrow down the view by selecting a log type, the username (case-sensitive), or the affected page (also case-sensitive).
- 02:09, 5 November 2007 RussK (Talk | contribs) moved page User:RussK/Install The 2007 PPC Gentoo to Install The 2007 PPC Gentoo (Move into public space)


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To the editor:
I recently read an Inquirer article that detailed Sen. Pat Toomey's visit to the Spring City Electrical Manufacturing Company in Chester County. I was very surprised that the Senator talked about a bill that will allow companies to make tax deductions for the first half a million dollars they spend on equipment costs.
In my opinion, it's extremely misleading for Toomey to publicize this bill since businesses already can get tax deductions in that amount. The Economic Stimulus Act of 2008 permanently doubled the amount of money small businesses can immediately write off for capital investments like equipment. When Toomey was in charge of the pro-corporation Club for Growth organization, he rigorously campaigned against the stimulus bill, and now he is touting legislation that includes aspects of that stimulus bill. It doesn't make any sense!
Toomey should know better than to introduce a bill that won't do anything. In addition to this, he has hurt our businesses in the past with other votes. For example, he filibustered the Bring Jobs Home Act, which would have provided tax incentives to companies that keep all their employees in America.
I think Toomey's latest appearance in Chester County makes it look to voters that he cares about an issue, business or group of people, but then he votes against them or introduces meaningless bills. For instance, he visited a farm in Northampton County a few weeks ago to rebuke European officials who wanted to tell American farmers not to use certain names of cheese anymore. Toomey showed up at the farm and acted like he cared about Pennsylvania's agricultural industry, yet he voted against a bill that will provide critical assistance to our dairy farmers. It's truly disheartening that we have a senator who says he cares, but his votes send a different message.
Stephanie Markstein
West Chester


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These readings and activities introduce basic vocabulary and techniques for making and flying a kite. They also profile the life and skills of a kite maker. Students construct the simple kite pictured.
The sequence in which they can be presented is flexible. For example, students may work on one reading per week over the course of three weeks (or one reading per day over three days), then decorate, make and fly their kites in one longer session. Or the sequence could be: reading about making a kite; students' decorating and making their kites; reading about flying a kite; students' flying their kites; reading about the kite maker as a culminating activity.
Science: understands simple properties of common natural and manufactured materials and objects; observes and describes characteristics of a living organism; understands that things are made of parts that go together; knows that living things are made of small parts; understands how to ask a question about objects, organisms, and events in the environment; knows that pushes and pulls can change the motion of common objects; understands that weather conditions change from season to season; knows how knowledge and skills of science, mathematics, and technology are used in common occupations; understands how well a design solves a problem. Note: readings and activities integrate with such Primary science modules as: Insects (FOSS); Animals Two by Two (FOSS); The Life Cycle of Butterflies (STC); Butterflies and Moths (Delta).
Mathematics: understands meaning of addition and subtraction (cutting and taping tail pieces; more or fewer depending on wind conditions); understands attributes to describe and compare objects; understands concept of symmetry; estimates length using non-standard units.
Social Studies: locates places and cultural regions using maps and globes; identifies choices individuals have in how they interact with the environment; describes personal changes that occurred over time; explains the role of family in society; identifies goods and services in a community.
Visual Arts: identifies line direction, free-form shapes, and textures; uses art tools and materials safely and appropriately; applies a creative process in the arts; identifies personal aesthetic choices; identifies career roles in the arts.
Language Arts: uses context to predict and confirm meaning of unknown words; uses new vocabulary from informative/expository test; identifies important parts of informative/expository text; understands simple organizational structure of text; explains connections between self and characters and events encountered in culturally relevant text; reads to learn new information; reads to perform a task; writes for different purposes; writes in a variety of forms/genres (answers to questions).
Cultural Integration: North America (Asian American emphasis possible)
Student Reading: Making a Kite [2] (PDF file)
Extension Activities: Making a Kite: Writing & Discussing [3] (PDF file)
Student Reading: Flying a Kite [4] (PDF file)
Extension Activities: Flying a Kite: Writing & Discussing [5] (PDF file)
Student Reading: Meet the Kite Maker: Greg Kono [6] (PDF file)
Extension Activities: Meet the Kite Maker: Writing & Discussing [7] (PDF file)
Student Reading: Flying Fish and Radishes! Plant & Animal Kites [8] by Greg Kono (PDF file)
Extension Activities: Flying Fish and Radishes!: Writing & Discussing [9] (PDF file)
Purchase Kite Kits: Kono Butterfly Kite Kit [10] (with paper pattern, spars, flying line & winder), per student
Materials You Supply: Scissors; Scotch tape; markers, pens, crayons, and/or watercolors, per student
Session One: Student Reading/Activities (30-45 minutes)
Use the reading Making a Kite [2] to introduce kite vocabulary and concepts, specifically variety in materials for making kites and the need to match materials to different winds. Extension activities [3] (estimating lengths; culturally various kites; characteristics of materials) provided.
Session Two: Student Reading/Activities (30-45 minutes)
Use the reading Flying a Kite [4] to introduce basic concerns and techniques in flying a kite, including being safe and partnering with the wind. Extension activities [5] (wind vocabulary and experiences, kite-eating tree; proverb) provided.
Session Three: Student Reading/Activities (30-45 minutes)
Use the reading Meet the Kite Maker: Greg Kono [6] to introduce materials and tools of kite design and to discuss how personal experience and study contribute to the development of job skills. Extension activities [7] (map skills; role of family; cultural background) provided. Or use the reading Flying Fish and Radishes! Plant & Animal Kites [8] by Greg Kono to extend a discussion of materials and themes in kite design and different ways in which art objects are displayed.
Sessions Four - Six: Decorating, Constructing, and Flying the Kono Butterfly (90-120 minutes)
This lesson can be divided into two or three shorter sessions: cutting out and decorating the sail; constructing the kite; flying the kite.
Follow assembly instructions from the kite kit [10] or from a video [11].
Cutting and taping the tails will take the most time for young students. Teachers/ adult helpers can speed this process with a paper cutter.
Remind students that large, bold, colorful designs will be more readily visible in the sky. Tails can also be decorated.
Decorating the kite sail can be integrated with more sustained visual arts instruction in: free-form shape; primary and secondary colors; symmetry in design.
Take extra tails and spars, plus tape, to the flying field for repairs or additions in heavy winds.
Butterflies are such an attractive subject of study for young children that the sheer number of resources is overwhelming. Most trade science series for young readers include a title on butterflies or butterflies and moths. A comparatively recent addition: The Life Cycle of a Butterfly by Bobbie Kalman, part of a "Life Cycle" series from the reliable Crabtree Publishing (2002), showcases nineteen species. Aimed at older readers, but with good photographs for all ages: The Life Cycles of Butterflies by Judy Burris and Wayne Richards (2006) highlights in images the entire life cycle of twenty-three garden-variety butterflies common to the eastern USA . Butterflies of the World by Valerio Sbordoni and Saverio Forestiero (1998) is a comprehensive resource for the serious lepidopterist, but its pictures (125 color plates, many almost life-size) would interest students of all ages; The Butterfly Handbook by Lee and Jacqueline Miller (2003) includes more than 500 color photographs. For a fictional perspective on the life cycle, use Eve Bunting's Butterfly House (1999) or the beautiful Where Butterflies Grow by Joanne Ryder, with illustrations by Lynne Cherry (reprinted 1996).
Teachers beginning to investigate this subject will find many helpful suggestions in Butterflies Abound! A Whole Language Resource Guide for K-4 by Seddon Kelly Beaty and Irene Fountas (1992). The authors build their unit around the fall passage of monarch butterflies, which they compare to the return of students each fall to school ("Let the monarch stand as a symbol of determination and hard work for your students as they embrace this new school year.") Language arts suggestions (concrete poems; acrostic poems; innovated poems) are especially extensive. Thanks to first grade teacher Leslee Shepler of Lockwood Elementary, Bothell , WA for this suggestion.
Almost every culture that values kites produces some version of a butterfly kite. Kites: Magic Wishes That Fly Up to the Sky by Demi (1999) tells a story of the origin of kites in China : among the kites pictured in this writer-illustrator's exquisitely detailed style are butterfly kites, symbolic of love. Made in China by Deborah Nash (2004) features a papercut butterfly finding her way around China . For butterflies (though not butterfly kites) from another part of the world, see Isabel's House of Butterflies by Tony John ston, with illustrations by Susan Guevara (2005), in which a poor family in Michoacan, Mexico struggles with how to save a tree to which monarch butterflies migrate each year.
To inspire students who can spend time to design their butterfly kite sails, bring to class any of a number of recent publications that emphasize the color and pattern of butterflies' wings. A World of Butterflies (2004), with color photographs by Kjell Sandved, is a small, thick book (easy for small hands to hold); Butterflies in Flight by Roger Camp (2002) pulls out in accordion-fold pages, which show off almost 300 species in an "art book of nature." Renowned digital photographer Rick Sammon adjusted lighting in the field in order to portray butterflies as Flying Flowers (2004; he has also released a 2006 calendar of Butterfly Wings); another noted nature photographer, Gilles Martin, worked with Myriam Baran to produce Butterflies of the World (2006).
For a project that marries science with visual arts and language arts, read about Maria Sibylla Merian (1647-1717), a German artist who specialized in painting butterflies and moths and traveled to Surinam in search of them, at a time when few scientists, let alone women, were undertaking such explorations. Her story can be found (teacher read-aloud for primary students) in Girls Who Looked Under Rocks: The Lives of Six Pioneering Naturalists by Jeannine Atkins (2000).
In cyberspace, FOSSWEB answers many questions about butterflies in its "Ask a Scientist" pages, at http://www.fossweb.com/modulesK-2/Insects/ask.html [12]. It also recommends http://teacher.scholastic.com/researchtools/articlearchives/bugs/butterf... [13], "Answers to Kids' Questions about Butterflies." For many links to photographs of butterflies, see http://www.butterflypictures.net [14]. The South Huntington School District in New York provides a very useful, annotated list of sites at http://www.shuntington.k12.ny.us/curr_resources/butterflies/butterflysites.html.


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Just a day before the one-year anniversary of the May 22 tornado that ravaged Joplin, thousands gathered in the same gymnasium used as a temporary shelter to honor the Joplin High School class of 2012 at commencement exercises Monday night at Missouri Southern.
Just a day before the one-year anniversary of the May 22 tornado that ravaged Joplin, thousands gathered in the same gymnasium used as a temporary shelter to honor the Joplin High School class of 2012 at commencement exercises Monday night at Missouri Southern.
In the same gymnasium where Joplin celebrated the graduation of its class of 2011 just before the storm hit, President Barack Obama quoted the poem "Youth," written by Joplin native Langston Hughes.
"We have tomorrow, bright before us like a flame. Yesterday, a night-gone thing, a sun-down name. And dawn today, broad arch above the road we came. We march," Obama said, quoting Hughes.
"To the people of Joplin and the class of 2012, the road has been hard and the day has been long, but we have tomorrow, so we march," Obama said in his closing remarks. "We march together and you are leading the way because you're from Joplin."
Obama's remarks were just one highlight of the graduation ceremony, which also featured Missouri Gov. Jay Nixon as an honorary guest.
Nixon spoke of attending the Missouri Southern commencement ceremonies the day before the tornado hit, where he spoke on the same stage, and how it marked a time of optimism and a time to look ahead.
"The next day changed everything," Nixon said. "The next day changed us all. But what a difference a year makes. Tonight we gather as we have so many times in the past year, to celebrate another Joplin milestone. Joplin High School class of 2012, congratulations, we are so proud of you.
"This is a community of optimists," Nixon said. "This is a community of believers. This is a community of fighters. This is a community that never gave up, never gave in and with hope in its heart and steel in its spine has come back stronger and better than ever."
Obama and Nixon each received standing ovations, but the crowd reserved its biggest roar for the introduction of the class of 2012.
Senior Class President Chloe Hadley said she was proud to be a member of the "Northpark Mall graduates of 2012," adding that the students have gone through the unthinkable but have become stronger than before.
Derek Carter, a Summa Cum Laude graduate, said during his remarks that his class has learned how to deal with the realities of life. Siri Ancha, another Summa Cum Laude graduate, asked her classmates to reflect on their past and anticipate their future.
"This past year did not create what we know as the Joplin spirit, but rather shined a light on it," Ancha said.
An emotional Dr. C.J. Huff, superintendent of Joplin schools, offered the class two pieces of advice.
"No. 1, if at first you don't succeed, do it like your mother told you to do it in the first place," Huff said. "No. 2, never forget that no matter where you are, or what you do, the Joplin family loves you and believes in you and we are so very proud of you."
Still, there no disguising the evening's most-important speaker.
The president opened his remarks by saying a commencement speaker has two duties: to "keep it short and sweet," and to inspire.
"We can define our own lives not by what happens to us, but by how we respond," Obama said. "We can choose to carry on, and make a difference in the world. And in doing so, we can make true what's written in Scripture – that "tribulation produces perseverance, and perseverance, character, and character, hope."
Obama told the students to let this be the central lesson that emerges from the tragedy.


text:
- Home
- Big Brothers Big Sisters of Greater Los Angeles
- A Big Holiday in a Little Candyland - 2016 Match Holiday Party
A Big Holiday in a Little Candyland - 2016 Match Holiday Party
About This Campaign
You're Invited!
A Big Holiday in a Little Candyland
2016 Match Holiday Party
Let's celebrate the Holiday's together at our annual Holiday Party!
December 3rd, 2016
Registration begins at 9:30AM
1351 Sepulveda Blvd.
Torrance, CA 90501
BBBSLA Matches Only!
Lunch will be served. Prizes will be won. Fun will be had!
Tacky Holiday Sweater Contest
Ugliest Dessert Contest (Candy must be used an ingredient)
Lazer Tag
Rookie Go-Karts
Rock Wall
Batting Cages
Miniature Golf
Paddle Boats
Must RSVP by November 30th!!
Campaign to Support Big Brothers Big Sisters of Greater Los Angeles
Our mission:
To provide children facing adversity with strong and enduring professionally supported one-to-one mentoring relationships that change their lives for the better, forever.
Our vision:
To see ALL children reach their FULL POTENTIAL in life.
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Aaron Solorzano adam davis Alana Thorbourne Alejandro Martinez Alesia Etinoff Alex Hernandez Ali Madrid Allan Mackins Alyssa Homan Alyssa Miller Amanda & Jeff Carter Amita Parikh Angie Sonnenschein Ani Mikaelian Anita Lopez Anna Carrillo Annie Burgstede Anthony Smith April Lizardo arthur shapiro Ashley Russell Aubrey Mayne Austin Browning Ava Madigan Barbara McDermaid Ben Carlson Bianca Ware Bradford Bricken Brandi Washington brandon brewer


text:
Holiday parties will soon be approaching! Make the most of them by trying this Warm Spiced Apple Cider recipe. It's simple to make and your guests will love it, an added bonus is the delicious smell it creates to set the scene for your fall fun. Enjoy!
This recipe makes 5 quarts of cider
10 Gala Apples, cut in quarters
10 Cinnamon Sticks
5 Cloves
2 Star Anise
½ Cup Brown Sugar
1 Gallon Apple Juice
1. Combine all of the ingredients and bring to a simmer.
2. Let sit at room temperature for 1 hour
3. Strain and serve warm or chilled


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Combo or OTK or APM Priest is a reiteration of Combo and Vivid Nightmare Priest that was born with The Boomsday Project thanks to two cards: Topsy Turvy and Test Subject. Dog is credited as the creator and true master of the deck:
Many have subsequently tried and failed to pilot the deck, which can require almost 100 moves during the 75 seconds of a single turn. Pro players like Trump and Thijs have hilariously failed, while others like Disguised Toast and Kolento kept trying until they got the hang of it.
Right now, you might be dreading that you don't have the IQ to play this deck. Fear no more: everything can be practiced and Patashu has made the tool for it! Combo Priest Simulator allows you to practice the OTK combo on your browser, while also timing you. You can change the parameters of the starting gamestate, too.
In all seriousness, the deck's winrate is below average and it's honestly too much trouble for too little gain. Then again, slamming your opponent's face for 100+ damage is quite satisfactory. It would be awesome if someone was brave enough to bring this deck at a tournament: it would be the casters' nightmare!
Apart from Combo Priest Simulator, we have a guide for Topsy Turvy OTK Priest here on Icy Veins; the guide breaks down the necessary steps of the combo in a useful priority list. Alternatively, you can listen to Aleco trying to explain how the deck works to Patrick (and actually succeeding) in the latest Icy Veins Podcast!