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Keeping Your House Cool During Hot Summer Weather
By: Danny Lipford
To keep your house cooler and reduce air conditioning bills during the summer:
- Paddle Fans: To keep cool use paddle ceiling fans set to rotate in a counterclockwise direction when looking up. Since they don't cool the air, just the people in the room, run paddle fans only when the room is occupied.
- Attic Vent Fans: Add an attic exhaust fan near the peak of your roof to keep the attic cooler, lower air conditioning bills, and make your roof last longer.
- Block Sunlight: Lower blinds or close curtains on sunny windows during the day to reduce solar heat gain in your home.
- Apply Window Film: Another way to reduce solar heat gain in your house is by applying window film to the inside of single pane windows and glass doors.
- Install Low-E Glass: When installing new windows on your home, make sure the glass comes with a Low-E coating suitable for your climate. Low-E coatings also reduce UV rays from sunlight that can damage and fade furniture, fabric, and rugs.
Go to our Summer Survival Guide for summer related home and yard tips, projects, severe weather info, and more!
Further Information
- How to Use Paddle Ceiling Fans Properly (article)
- How to Size Exhaust Attic Vent Fans (article)
- How to Apply Window Film (video)
- Choosing Replacement Windows for your Home (video)
Video Transcript
Danny Lipford: Now, heat can make you very uncomfortable. There are a few things that you can do to make life a little easier. One of the easiest ways to cool off this time of the year is the addition of a ceiling fan to a room. Even if you have air conditioning the constant moving air generated by a ceiling fan will make it feel cooler than it actually is. And adding one to an outside living area can make all the difference in how comfortable that space might be. The key thing to remember is that in warm weather you want that fan turning counter-clockwise as you look up at it from the ground.
Adding an exhaust fan to your attic is another great way to stay cool, because it pushes out the hot air at the top of your attic, drawing in cooler air from the socket or overhang areas. If you choose one that's powered by its own solar cells you can see all these benefits without adding one cent to your utility bill.
To minimize heat gain in your home from exposure to the sun there's several things that you can do. The easiest is simply draw the blinds to stop some solar heat gain, or add window film to the inside surface of single-pane windows to do the same thing without obstructing the view. The ideal solution though is to install windows with a Low-E coating. This coating filters the sunlight, letting in visible light while it blocks UV rays. So, you not only keep the inside cooler, you protect your furnishings from fading as well.
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CommentsPlease Leave a Comment
4 Comments on "Keeping Your House Cool During Hot Summer Weather"
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Annie Thomas Says:
August 16th, 2018 at 6:22 pm
Enjoy reading your home owners tips. I have one tip that seems to lower the air downstairs where we stay most of the time. Our upstairs is hardly used anymore with children gone, but we run the ceiling fans in those upstairs rooms and keep the air condition set on 80. This keeps our living areas downstairs cooler because the upper floor stays cool . Our middle floor hardly runs air unit all day.
Pat drew Says:
August 16th, 2018 at 5:30 pm
Love the emails and watch the show when I can. Thanks
Woody Snell Says:
August 16th, 2018 at 5:10 pm
Another thing that can significantly affect cooling bills is installation of ridge vents when replacing the roofing. I like the idea of the solar exhaust fans too, but I've read that the electrically powered ones use about as much energy as they save.
Kelli Moore Says:
August 1st, 2017 at 6:13 pm
I'm sure you get asked this all the time! I can't find a clear answer. My HVAC ductwork is in the crawlspace. Should I open or close my crawlspace vents? We also have a vent fan but the more I read the more I see that they don't help with decreasing humidity. We had an issue with moisture when we bought the house and our wood floors in bedroom were cupped. As soon as we moved in, I opened the crawlspace vents and of course we had the vent fan installed. The cupping went down a huge amount! I just don't want our floors and under our house to be more ruined than it already is. Any advice is appreciated. I do know I will need new vapor barrier at some point (crappy job from 21 years ago) thanks!!!!!
We want to hear from you! In addition to posting comments on articles and videos, you can also send your comments and questions to us on our contact page or at (800) 946-4420. While we can't answer them all, we may use your question on our Today's Homeowner radio or TV show, or online at todayshomeowner.com.


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|Relief (detail)
Sunday, October 21, 2012
Relief Complete
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subset: commoncrawl


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Authors: Peter Bissonnet
The author used to think that the only representation of prime numbers, etc. was the prime number double helix representation. However, in 2011, the author published a paper which puzzled him and it eventually dawned upon him that there was more than one representation of prime numbers. The second representation will be referred to as the hyperbolic representation. The third representation will be called the parabolic representation and is related to the hyperbolic representation. The fourth representation is the triangular representation and is related to the hyperbolic representation. Both of the primary representations, the double helix and the hyperbolic both reject that 2 and 3 are prime numbers. The hyperbolic representation is shown to be related to Lorentz-like transformations.
Comments: 11 Pages.
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We asked if the feminists were coming to RSA, and boy did you respond. Here are over 30 RSA panels featuring coalition members and/or feminist related material. Let's support each other's feminist work by attending some of the panels. While there,…
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Lynn Boudreaux
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We travelled towards Erica from Moe, and parked the car on the right (on the main Rd) adjacent to the Telbit Rd/Caringal Scout Camp sign. Access to the trail is on the left just after the houses. Trail was a little wet in patches due to recent rain but it was a beautiful ride through bush & rainforest with some spectacular fern gullies. Few fallen trees across the trail were easily negotiated, and trail is a little overgrown in places (but still rideable)
Tyers Valley Tramway was a logging line (line closed 1950)
Distance- 10 km
Surface- Dirt


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AT&T Inc.(NYSE:T) is moving more devices than expected in the fourth quarter, according to comments from Ralph de la Vega, president and CEO of AT&T Mobility.
De la Vega said AT&T is headed for record fourth quarter smartphone sales. AT&T has already sold 6.4 million smartphones in the first two months of the Quarter and now expects to sell 26 million smartphones this year, 1 million more than previously expected. He also said "those two months alone would be the second best smartphone sales quarter for AT&T Mobility."
The company has improved its supply of iPhones, and De la Vega also touted some of the other smartphones in AT&T's lineup, including the LG Optimus G and Nokia Lumina 920.
De la Vega was also bullish on tablets, noting the company's recent $100 promotion and the mobile data share plan have driven interest in the area. It's also the first time when all the three major operating systems have tablets, from Apple's iPad, to Android tablets, including the Kindle Fire HD, and tablets running on Microsoft's Windows 8 and Windows RT.
The amount of data customers are signing up for on those plans has also exceeded expectations. According to De la Vega, fully 25 percent of customers on shared data plans have selected data buckets of 10 GB and higher.
De la Vega also weighed in on some of the key growth areas for the company, including home security and mobile payments. AT&T plans to launch its home security and automation service, which it unveiled earlier this year at the CTIA Wireless trade show, in early 2013, and will offer it at its stores and other distribution channels, he said.
The home security industry is worth $18 billion and operates with margins in the 35 to 40 percent range. De la Vega said AT&T has an even lower cost structure, which could mean big profits down the line.
De la Vega declined to talk about future deployment plans for ISIS, its mobile payment joint venture with Verizon Wireless and T-Mobile USA. He only said the trials were going well and that merchants have expressed interest in utilizing the near-field communication technology that enables people to tap and pay for goods with their smartphones.


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Itororo Lodge - our base for the whole tour. Photo: Andy Foster
This exciting one-centre tour will take you into the heart of the Brazilian Atlantic Rainforest and present you with a dazzling array of photographic opportunities. Only a couple of hours drive from Rio de Janeiro, the beautifully located and extremely comfortable Itororo Lodge is surrounded by rainforest. Here you can see and photograph some of Brazil's most sought after and stunning birds in a truly wonderful setting.
Itororo Lodge is located within the Tres Picos State Park and is tucked away in its own private valley of 50 acres, at an altitude of 1150m, where over 170 species have been recorded, of which 60+ are Atlantic forest endemics. The lodge sits in a quiet location with its own large landscaped orchid and bromeliad gardens and an array of flowering and fruiting trees and plants that attract a wealth of fauna. It also has a network of trails through the forest, providing the opportunity of seeing many species within a short distance.
This comfortable lodge, with its quiet and natural surroundings is not only a great place to take photographs but it is also perfect for relaxing, walking, and taking things easy if the mood takes you. The grounds also have a number of bird tables, feeding stations and hummingbird feeders, which offer a chance to see a number of species close-up and provide some great photographic opportunities.
Great birding, stunning surroundings, comfortable accommodation, easy access, and friendly staff make Itororo Lodge the best location from which to explore the wealth of flora and fauna of the Atlantic Rainforest, which Stuart has been visiting since 2006 and is keen to share with you.
This tour can be combined with Brazil Photographic Tour: Pantanal Safari.
Sunbird have teamed up with Lenses For Hire to give you a special 10% discount on any lenses hired for this photographic tour. If you are interested in taking up this offer, please contact the Sunbird office for details. Visit their website www.lensesforhire.co.uk to see the wide variety of lenses to choose from.
Our Photographic tours are designed for both beginners and more experienced photographers alike. They run to a more flexible itinerary than one of our straightforward birdwatching tours, and we do not try to obtain snaps of a long list of species but rather concentrate on obtaining stunning images of the wildlife we encounter. This may often mean we spend long periods with just a few subjects, and will take advantage of hides and feeding stations where available.
All photographic tours are accompanied by Stuart Elsom LRPS, who was awarded a Royal Photographic Society Distinction in 2011. Stuart, who delivers training on nature photography and bird identification for The Royal Society of Biology, will be on hand throughout the tour to offer group or one to one tuition on all aspects of wildlife photography.
Sunbird Photographic Tours are also suitable for non-photographers or for those who require a more relaxed pace and less rigid itinerary. Some tours will include evening sessions on photographic techniques or image critique workshops which are of course optional. If you have any queries about any aspect of our Photographic Tours please contact the Sunbird Office who can forward your query to Stuart.
Day 1: The tour begins in London with a flight to Rio de Janeiro where we'll spend the night.
Days 2-7: As the Lodge is surrounded by forest, the flora and fauna in the gardens alone is quite spectacular and there will be plenty to look at and photograph from the very start. Radiating out from the Lodge are a number of trails within the grounds that offer a variety of walks and excellent opportunities to search for various species of birds. In the 50 acre grounds 170 species have so far been recorded, of which 60+ are Atlantic Rainforest endemics! The grounds also have a number of bird tables, feeding stations and hummingbird feeders, which offer a chance to get nice and close to a number of species. The list of birds you can expect to see within the lodge grounds is mouthwatering, and includes such treats as Suracua Trogon, Scaly-headed Parrot, Saw-billed Hermit, Sombre and Swallow-tailed Hummingbirds, Black Jacobin, Violet-capped Woodnymph, Spot-billed Toucanet, Channel-billed Toucan, Long-trained Nightjar, Blond-crested Woodpecker, Spot-backed and Giant Antshrikes, Brazilian, Burnished-buff, Flame-crested, Golden-chevroned, Orange-bellied and Chestnut-bellied Euphonias, Buff-throated Saltator and Black-throated Grosbeak to name a few!
Our time at the Lodge will be interspersed with a series of excursions away from the Lodge which will take us to a variety of habitats. We'll spend one day at high altitude, walking a trail at approximately 1600m. Here we hope to see and photograph a myriad of species including Plumbeous Pigeon, Plovercrest, Pallid Spinetail, Sharp-billed Treehunter, Black-billed Scythebill, Giant, Large-tailed and Rufous-capped Antshrikes, Rufous-backed Antvireo, Dusky-tailed and Rufous-tailed Antbirds, Mouse-coloured Tapaculo, Black-and-gold and Swallow-tailed Cotingas, Blue-billed and Velvety Black-tyrants, Yellow-legged Thrush, White-browed Warbler, Green-headed, Ruby-crowned, Red-necked Tanagers, Azure-shouldered, Chestnut-headed, Diademed and Fawn-breasted Tanagers, Bay-chested Warbling-finch and Green-winged and Thick-billed Saltators.
In contrast a morning visit to a nearby wetland will provide us with a mix of birds including Least Grebe, Brazilian Teal, Masked Duck, Grey-headed Kite, Crane Hawk, Limpkin, Yellow-chinned Spinetail, White-headed Marsh Tyrant, Yellowish Pipit and Chestnut-capped Blackbird. The lowland forest surrounding the wetland is home to a different set of birds including Reddish Hermit, White-chinned Sapphire, Rufous-capped Motmot, Rufous-tailed Jacamar, Crescent-chested Puffbird, Yellow-throated Woodpecker, Chestnut-backed Antshrike, White-flanked, Unicolored and Rufous-winged Antwrens and Shrike-like Cotinga. Elsewhere, a short 30 minute drive on the way towards Macae de Cima will take us up a forested track to view some excellent endemics. Birds we may see include Barred Forest-falcon, White-throated Hummingbird, Brazilian Ruby, Orange-eyed Thornbird, White-collared Foliage-gleaner, Giant and Tufted Antshrikes, Rufous Gnateater, Black-and-gold Cotinga and Drab-breasted Pygmy-tyrant.
Also very close to the Lodge is the superb Theodoro Trail. Here, walking through both primary and secondary forest, we'll hope to see and photograph a variety of birds including Mantled Hawk, Maroon-bellied and Plain Parakeets, Scale-throated Hermit, White-throated Hummingbird, Brazilian Ruby, Black-throated Trogons, Spot-billed Toucanet, Yellow-eared and White-browed Woodpeckers, Sharp-tailed Streamcreeper, Black-capped and White-browed Foliage-gleaners, Lesser and Scaled Woodcreepers, Variable Antshrike, Star-throated Antwren, Such's Antthrush, Variegated Antpitta, Bare-throated Bellbird, Pin-tailed Manakin, Grey-hooded Attila, Greenish Schiffornis and Brassy-breasted Tanager.
One of the most sought-after birds of southeast Brazil is the endemic Three-toed Jacamar and there will be one excursion to several sites where this bird is regularly found. Along the way we'll pass through a variety of habitats and make many stops to look for other species. These may include Capped and Whistling Herons, Lesser Yellow-headed Vulture, Plumbeous Kite, Savannah and White-tailed Hawks, Aplomado, Bat and Laughing Falcons, Red-legged Seriema, Toco Toucan and the striking Blue-winged Macaw.
Of course anyone wishing to opt out of any of the excursions can do so and remain at the Lodge to spend time at the feeders or wandering along the trails.
Day 8: Those staying on for the Pantanal Safari will depart in the morning. Those returning home will spend the morning with a local guide and later transfer to the airport for a flight back to London where the tour ends on Day 9.
Updated: 12 July 2017


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2016 Dodge Dart – When it comes to the model Dodge Dart, the bond between the marks from the beginning of the Italian and American car brands. Specifically, the first model again manufacturing space in North America in 1960 as the work of Italian designer items. Right vehicle manufactured under this heading, until 1976, has experienced four generations of output. Last year, the logo reappears on the market. This resurrection by the Italian Fiat car company acts around the world overall it returns the road. In a relatively short time, this time into a usually a big hit, and this concept will be other changes in the base and automobile brand names determined under this company.
Engine for 2016 Dodge Dart
The new Dodge Dart's concept was presented in 2012 at the North American International Auto Show in Detroit. Such vehicles may also ambitious launch to ensure that many people have been expecting more, mostly about driving part. When it comes to this paragraph, the 2016 Dodge Dart will remain the same 1.4-liter turbo and a couple of.4 liter engines. This feature SOHC I4 2360 ml displacement power unit makes 184 hp maximum outputs of 6250 rpm, 174 pounds of torque capability along at 4800 rpm. Shift boot method engine paired with a six-speed gearbox computer.
Performance for 2016 Dodge Dart
In tests, 2016 Dodge Dart has accelerated to 60 miles 8.two seconds and reaches speeds up to 127 miles. Braking from 70 mph to zero speed at a distance of 168 feet when it comes to gas economic environment, EPA believes this model to drive 29 miles on average together. When it comes to city driving, which is about 23 miles, even on the highway 2016 Dodge Dart will reach 35 miles.
Change for 2016 Dodge Dart
This pattern will change, before very long, which might in the medium and the update cycle will be planned in 2017 and the model 2017 Dodge Dart will be introduced this year, completed in 2016, and can be characterized by the front-wheel drive a better and effective type of engine. In addition, this model will use the Dodge Dart SRT model turbocharged engine and AWD method, which certainly will be possible to respond to the strong aggressive models.
Price for 2016 Dodge Dart
At this moment, darts is not well positioned in their part; manufacturers must improve and be given work that is more extensive closer to the top cars. Vehicles, including the Mazda 3, Volkswagen Golf, Jetta and Ford Focus is the latest advance how many darts. This is certainly not the case in the long run, when new models for production. 2016 Dodge Dart sale price will range between $ 17,500 to $ 24,500.


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Do away with the one-stop workshops.
You know what I am talking about. Those one or two day workshops that teachers attend to learn about a new technology. The expectation that after these one or two day workshops teachers are going to integrate the technology into classroom instruction is ludicrous. The more gun ho teachers will give it a try, but if the attempt goes awry, as it is bound to do, that technology is going in the closet to gather dust. Long term support is needed if real integration and change in practice is to occur.
How do you do away with these workshops when that is all the district has time for or money for? You can't. But...administration can do something that will support and enhance these one or two-day workshops if that's all they have. Here are a couple suggestions:
- Provide common planning time or collaboration time where teachers can plan and create lessons to try in their classrooms
- Give teachers TIME - time to try out the technology and then time to get together to talk about what happened, how to change it, and time to try it again (and again and again)
- Give teachers permission to fail - few people get it right the first time, so make it okay to fail and try again
- Create support for the technology - a fellow teacher who can help, an online forum for discussing and sharing ideas and lessons, planning time, sample lessons....anything that allows teachers the freedom to try, to fail, to get support and to keep trying.


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Adorable Duck Loves Jewelry — And Watching Videos On YouTube! (VIDEO)
Ducks are interesting creatures, especially when you place them in a human habitat. Case in point, this silly, adorable duck, who just loves fooling around.
Not only does this duck love watching videos of himself on YouTube and following mom around, the little duck also likes playing with mom's jewelry! Needless to say, this is super cute and well worth checking out. This duck is a hilarious, curious creature, and just about as adorable as any dog or cat we've posted about this week. Watch the video below:
If you liked this video, watch these precious ducklings fall asleep in a hat!


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What is Fleet Management?
Fleet Management is a full fleet management of any modern and proactive company that enables the company to realize significant cost savings, speed up and simplify business processes, and serves its clients on a higher level.
Fleet costs, and the possible misuse in this field are often significant item in the budget of every company, but with telemetry systems and modern communication solutions, these costs can be successfully reduced. With our Fleet Management solutions fleet management becomes simple, high-quality and effective.
What is Smartivo vehicle tracking system?
A professional system for satellite vehicle tracking and fleet management application that using GPRS and GPS technology transmits real-time vehicle key-information, allowing permanent and total control over the fleet, and enables ongoing interaction with drivers.
Whether the installation of satellite fleet surveillance pays off?
Smartivo system for satellite fleet surveillance proved itself as very effective tool for achieving cost savings. These savings are primarily related to the reduction of fuel consumption and reduce mileage, reduces administration costs and increases efficiency of the staff. According to the experience of our clients and partners, investing in vehicle tracking system is worth already after 4-8 months.
How long lasts the warranty on devices for satellite vehicle tracking?
The warranty on the purchased equipment is two years from date of installation, and warranty on devices in the lease is valid as long as you use our satellite surveillance service.
Is it required to install Smartivo programme for satellite tracking?
No. Smartivo is a web application that requires no installation. All you need is internet connection and web browser.
Which type of vehicle tracking to choose?
For each potential partner individually and based on its needs and business, we are creating an offer to equip all vehicle types with satellite tracking.
Prices and payment methods?
Payment and conditions in the wholesale market are negotiated individually.
Who to contact in case of any difficulty with the use of a system for monitoring?
For all questions related to the work of Smartivo system at your disposal is our Customer service. Contact us by email or telephone. Customer Service is at your disposal every working day from 08:00 – 16:00.
Installation is made on the location of bidder or by appointment?
Installation can be carried out and at the location specified by the client, according to the agreement.
Do we need to buy devices or they can be rented?
We are able to offer two methods of payment, purchased equipment and rental equipment. In case you decide to buy the device, it is necessary to make one-time payment for the device and installation, and the monthly fee is charged each month and its amount depends on the type of service that is agreed upon. In the case of rental, useage of contracted services lasts at least 24 months, and the price of the device is included in a monthly fee. Installing tracking device in case of rental equipment is calculated also once.
Is it possible to arrange test period for certain vehicles, before the standard usage of service?
For potential partners we approve trial usage of Smartivo system in a period of 14 days so they can be convinced on their own vehicles of the advantages of using the system for fleet management.
Can Smartivo application be browsed on mobile devices?
Smartivo application is available for use on the iOS and Android operating system as well.
Can't find the answer to your question on the website for Customer support.
If you have not found the answer to your question in part of customer support, please check our user manual, or send us your question.
Are the costs of data transfer included in the price?
The cost of data transfer from devices in vehicles is included. The entire cost of data transfer is included in the monthly fee of use. You can arrange to use exclusively in the national rates and / or by the roaming tariff for abroad. Prices vary, but always include the cost of data transmission.
Can the devices built into one vehicles be moved from vehicle to vehicle?
Our technical service can move the device from vehicle to vehicle, where the procedure itself usually takes no more than an hour and a half.
What is module for the administration and fleet management?
Module for the administration is part of Smartivo system, which serves as a unique database of vehicles. Here are the records of insurance, ordinary or extraordinary maintenance, loan payments, annual registration. Consequently, it is possible to get the notification when approaching deadline for registration, for regular maintenance, to replace the tires and similar.
Can reports be printed directly from the system?
Reports can be printed directly from Smartivo system. Also, reports can be exported in the form of MS Excel or CSV documents.
What is obligate to have to use Smartivo applications?
Smartivo application is web based, which means that it is sufficient to have only web browser for its use and is not necessary to download and install additional programs. Since the browser is the base for work application, it is necessary that the same is functional.
Which browsers are compatible for Smartivo applications?
Compatible browsers are suitable for the work of our applications as Google Chrome (also the recommended browser), Mozilla Firefox, Safari, and Microsoft Edge. Compatible Browsers of mobile apps are iOS Safari and Android: Google Chrome.
What must be set in the browser settings?
For the best possible experience using our product, we recommend that you do not use the zoom feature in your web browser. Reset the zoom level to the default 100% using the keyboard shortcut Ctrl+0 (Windows) or Cmd+0 (OS X). Using anything other than 100% zoom level may result in a degraded visual experience.


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I thought I'd share something really fun for the weekend. Last month I was invited to do something I'd never done before… photograph an actual proposal! The only catch is that I would have to hide, so as not to ruin the surprise. Brian and I started coordinating a few weeks ahead of time (really Brian was the one with all the master plans). He'd reserved a table at Chauncey Creek Lobster Pier and I had to figure out a way to look like a tourist (or at least clueless enough) while carrying a huge camera and lens – so as not to raise any suspicion. At 6′ 4″ I had my work cut out for me – but the folks at Chauncey Creek were more than accommodating (they offered to let me hide in a dumpster). I opted to look like the average joe munching on some fries and a Coke. When Brian, Martha and her daughter arrived – I got positive id using the text messages I'd received from Brian. While I think I probably scared some of the other guests who probably thought I was a private detective or something – I manged to stay concealed to capture their proposal. Here's a few of my favorites:
For the full effect – check out the slideshow:
Brian and Martha – Best wishes to you both! Thanks so much for allowing me to capture this moment!


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iTeachSMART is a campus committee focused on assessment of student learning outcomes (SLOs) at the course, program, and institutional levels. The iTeachSMART team helps academic divisions, departments, and faculty define SLOs that are suitable, measurable, and broad enough to cover lifelong impact. The team also assists with creating or obtaining assessment instruments to measure the students' achievement of the outcomes, and to then use the resulting data to develop and implement a plan for improving student success.
Five institutional (general education) outcomes for the college have been identified:
- Critical and Creative Thinking
- Information Literacy
- Quantitative Analysis
- Written and Oral Communication
- SMCC Experience*
Currently, iTeachSMART is focused on writing and measuring SLOs for all our courses over the next three to five years, with a pilot project conducted in 2013-14 with the Language Arts (LA) and Math, Science, and Engineering (MSE) divisions, and subsequently conducted with the other divisions. We are asking that each course have three student learning outcomes. These are much broader outcomes than the many objectives or competencies developed for each course at the district level and focus on lifetime use.
The course level student learning outcomes (cSLOs) are mapped to the institutional outcomes (iSLOs), to get a view of the "big picture" and develop improvements plans to insure students are achieving these general education outcomes. The cSLOs also feed into student learning outcomes at the program level within each division or department. As with the course level outcomes, program-level outcomes (pSLOs) can also be mapped to the institutional outcomes.
The iTeachSMART team is faculty-driven and faculty-chaired, and reports to the Vice President of Learning. However, the team invites active participation from all employee groups as well as student representatives.
* The "SMCC Experience" is focused on student life, success, engagement, well-being, and helping the student identify and achieve their personal, educational. and career goals. While the SMCC Experience includes academics, its achievement extends to every aspect of the institution – from the grounds and learning environment the student encounters when they first step foot on campus to the graduation ceremony.


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Raise your hand if you own the Complete Tolkien Companion or The Complete Guide to Middle-Earth or have spent untold hours reading online Tolkien wikis.
Yeah, I thought so.
I suspect that, like myself, you routinely scour the Internet searching for maps and background material on characters and locations from your favorite books or TV shows. I'm sure you'll agree, our favorite works of fiction are appalling light on ancillary details, details readers and viewers crave, such as, where the hell is Hogwarts School of Witchcraft and Wizarding in its directional relationship to London? Where does the Hogwarts Express go? My wife couldn't give a shit less; she's just happy finally seeing Ron and Hermione kiss. But I want to know. I know you want to know, too. That's because we're geeks.
I'm a big fan of World of Warcraft and have spent an embarrassing amount of time in that ridiculously addictive fantasy world. To prove my utter addiction, at one point I had five active accounts. If an MMO is worth playing, it's worth playing five accounts at the same time. You know what I'm saying.
The challenge I have with WoW and similar all-immersive games is that the developers don't provide vitally important information gamers want "in-game." They force users to leave the relatively protective environment of the game and send them seeking information beyond, out on the vulnerable Internet.
Why do this?
Players are forced onto God-knows-whose website, which may contain viruses or any number of other nefarious account-hacking schemes. As players gamble, navigating these Internet mine fields, they seek information that's questionable at best. Who manages the accuracy of the information found on these fan websites? After hours of spelunking the Web, you can still end up with information that's error-laden. Sometimes nice players try to assist others, while immature haters shout ridicule like, "You're an idiot." That's a lovely moment we've all experienced.
Again, why do this?
Think about it: Blizzard, the creators of WoW, has ALL THE INFORMATION. But they don't give it to users. If pressed, they'd no doubt say, "It's an exploratory game, and we want users to find the information on their own throughout the game." Sure, you do. But players follow the path of least resistant, don't they? So, when they get stuck in the game, rather than spending precious hours figuring out the puzzle on their own, many simply cruise the Internet for hints. That's just human nature. Why do you think SparkNotes exists? People are simply too lazy to do it the old-fashioned way, through hard work.
Blizzard, like many developers, spends millions of dollars building a professional, slick, safe game environment. But then, due to their lack of in-game information, they force players to leave that controlled environment and send them into the wild, wild Webs.
Imagine you're at Disneyland with your family, and you're looking for a map of the park. When you ask the concierge for a map, he says, "We don't have maps. But there is a map vendor in Long Beach; he's the one behind the metal bars. But we can't guarantee his maps are accurate."
You see where I'm going with this. "Just give us the information we seek in-game, in the book, in whatever the experience is."
I was a late comer to Game of Thrones. I simply had too many other things to occupy my attention—probably playing five accounts on WoW. Once the TV show aired, I picked up the books. I made the mistake of seeking out the oracle that is Wikipedia, looking for information on the seven kingdoms of Westeros. Guess what? You got it: I accidentally found out that Tyrion was married to Sansa. WTF!!! Nooo!! Goddamn it. And The Red Wedding…Jeez! Fucking Hell! I didn't want to know that, either.
Join me as I say, "Spoilers are evil!" The downside to seeking information on the Internet, sometimes, more times than not, we learn too much.
It is out of all of these needs and difficulties that the idea for the Chaldeapedia formed. We want to provide additional Chaldea World Foundation material in a nice, safe environment we can control, one that doesn't give away spoilers. As the Chaldea stories are released, the Chaldeapedia will expand with additional information. Chaldea is simply too big of a world setting to include all the details in our stories. So, we'll release those nuggets of goodness in the Chaldeapedia.
Chaldeapedia experience and information will evolve.
Do you want to know more about your favorite character? Background information on your favorite kingdom? Want to see a battle map from your favorite war scene? We will have it. We can never prevent people from going to Wikipedia to look up information on Chaldea, but in the Chaldeapedia, the information will be both safe and accurate.
* * *
Seeking missing information, let us know. We'll do our best to provide it.
Steve Conard


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Etiket : Islam Channel live
- Islam Channel live canli izle Watch Islam Channel live here on Muslimco. We are the leading website for providing loads of islamic and arab stations that are shown globally, you can also check out huda tv amoungst other islamic stations including live makka prayers. Islam Channel was started in early 2000 after the attacks on the US, the station aimed to bring more islamic tradition and community foundations to the muslim community within the UK which had been vilified by us and uk media. Islam Channel did a great job in creating a sense of community for muslims in the uk. Enabling them to setup huge events with the help of islam channel through mgp and other such events. These events bought together talents within the muslim community and showcased them globally. Islam channel continues to be a thriving tv station and develops daily, bringing more updates to the muslims around the world.


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Bickerstaffe Cycle Trails with Tom
I decided to take a trip up to Bickerstaffe to try out my newly built mountain bike for a first trail ride.
So I headed off with my tools pump spare tube and the essentials food / water. At the time i decided to ride to Bickerstaffe with a group of friends it took us 1hour 30mins I think we will drive next time, eventually we arrived. We took a look around to see what there was too play on the trails where a bit sloppy and boggy so we decided to get the spade out drain off most of the puddles and placed some topsoil over. We done a few laps to get are bearings about the trails eventually gaining more confidence hitting the berms and jumps faster even trying whips bar turns.
I brought along my new specialized 2fo flats shoes to try out they felt so grippy with the slipnot compound and pedal contact and high side cuff supported my ankles a lot while out on the trails I did take on some water in shoe they are designed to dry off really quickly which they did.
The Bickerstaffe cycle trails are all of varying difficulty to suit both experienced cyclists and those new to Mountain Biking.
There is for a short XC Red Trail of 780m, a Black Line (including a easy push up track) of around 220m and a Jump Line of around
110m long.
All of the trails are fairly short, but are packed with features like berms, rollers, doubles, jumps, step ups, step downs to perfect your skills.
Trail, Centre or Base
0hf, 54 Rainford Rd, Bickerstaffe, Ormskirk, Lancashire L39 0HF
From the Church end:
To get to the Trails from the Church side of Bickerstaffe, go to the Church on Church Road (L39 0EH), and as you're looking at the Church, take the path (signposted Public Footpath) on the left of the church which leads behind the church and then to the right. Follow the signs! There is no access to the Trails from any path on Intake Lane. Do not go to Intake Lane as there is no access from there, and there is no vehicle access at all to the Trails from the Bickerstaffe Church side of Bickerstaffe; but vehicles can be parked on the Parish Field car park, then cyclists can take the path on the left of the church described above, which can be used for bikes and pedestrians only.
From the Sandpiper pub end:
Follow the footpath over the motorway bridge keeping within the fencing. Follow the signs to turn left at the correct point: donot trespass onto farmland.
If you're looking to get out there on the trails for a bit of cycling, check out our range of accessories at Formby Cycles Happy cycling!


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New York heavy hitters ALL OUT WAR will finally be playing SUMMER OF HATE in Cleveland in 2014. SOH will go down @ the venues NOW THAT'S CLASS on FRIDAY, JUNE 27th and GROG SHOP on SATURDAY JUNE 28th with AOW playing the Saturday show. Those who have attended the show in the past know what to expect: brutality. Year after year this fest claims to be the hardest/most dangerous show in America... AOW playing will only amplify this.
Rest of lineup, tickets, and more to be announced late winter 2014.
Sunday, December 29, 2013
Posted by HARD ASS RECORDS at 3:41 PM
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Monday, October 28, 2013
I can remember the first movie I rented: RETURN OF THE LIVING DEAD PART 2. It was my favorite and seeing all the stuff TV cut out was really great to a 3rd grader! There were certain movies I rented over and over... EVIL DEAD, EVIL DEAD 2, DAWN OF THE DEAD... those were rented more times than I can even begin to count. Later I began buying movies... which at that time was expensive! A lot of tapes were $30 or so new... bargain tapes were cheaper but had lower quality prints. Also, most movies were out of print... Evil Dead was out of print until I was in high school... and obtaining a copy of out of print movies was nearly impossible so if you were lucky you either found a bootlegged copy (usually a 2nd or 3rd generation print that looked awful... I can remember splitting buying a Cannibal Holocaust bootleg for $40 with my friend Rob and having to drive an hour and a half just to do so) or had to steal said tape from a video store (which we did often) because the convenience of Ebay didn't exist yet to be able to find virtually any tape within seconds.
Every video store was different and had different movies. Some movies were the stuff of legend and if your local stores didn't have it seeing it was next to impossible. The covers jumped off the shelves with fantastic, often graphic artwork and pictures. As a kid, the more outrageous or graphic the cover, the more i wanted to watch, but my dad was a barrier to this until i was old enough to get my OWN video card and then it was on! I waited so long to finally be able to get my own video card and on that day I was finally able to rent the grossest, sickest looking movies that had previously been forbidden to me and what a sweet day that was! I never understood the Big Boxes until later... I didn't get why those old movies had bigger boxes and could have never fathomed that they would be so desirable today, but we had a saying about the Big Box.... and i was "if the movie has a big Box... you're in trouble!" because usually those movies were graphic or really stunk... either was desirable. The WIZARD VIDEO and PARAGON boxes to me were the most memorable.
|Remote w cable from 1st VCR
I cannot end the section on Video Store nostalgia without mentioning the greatest video store of all time: ANTHONY COCCA'S VIDEO LAND. In the Youngstown area no place could beat it. Their horror selection was top notch. They had every Wizard release and virtually every movie that now can be found on the "most desirable/most expensive" VHS lists. They had SPINE, SPLATTER FARM, LUNCHMEAT, DEMON QUEEN... they had 'em all and much, much more to boot! At the time when they went out of business I recall going there to buy tapes for $5 each... Spine and many other big $$$ tapes were movies I passed on (because it sucks as a film) and I kick myself everyday because now it is so highly desirable! But I woulda probably just sold it anyhow because I don't really see the value in movies I don't even care or enjoy to watch.
VHS gave way to DVD. A lot of movies that were out of print were sold at rock bottom prices when video stores made the DVD transition. this was a golden time to get many of those rare movies you had rented countless times. We would fill the trunks of our cars going to such sales. This was the great, short lived era of VHS CONQUEST where anything and everything you ever wanted was FINALLY available to own. I recall going to a Hollywood Video once I caught wind that they were selling off all VHS and GALAXY OF TERROR was the gem I wanted... I knew they had it as I had rented it there numerous times. I got there and it was gone! I was so pissed! I wonder to this day who the hell bought that... it wasn't any of my friends so I have no idea who else in my town wanted that movie as badly as me. A few years after that great era most video stores went out of business all together with the rise of Netflix, Redbox, etc and here we are today with a new generation rediscovering VHS.
Everyone has their favorite eras and genres of movies. Some people like early Universal stuff, some 70's, some Euro, slasher, monsters, vampires, sleaze, action, martial arts, etc. I personally like a large array of genres and have my own opinions as to what is the best and what was crap as does everyone out there. Personally I liked the mid to late 80s through early 90s as this was the period which was current and relevant to me. I liked Early 90's and still do and I consider the era of the 80s to have spilled into the 90s and consider it the final golden era until the horror industry kind of collapsed for quite a while until being revived with movies like SAW, HOSTEL, etc many years later. Companies like FULL MOON, NEW HORIZONS, VIDMARK, etc put out great releases like CARNOSAUR, BASKET CASE 2, and DEAD ALIVE (the movie which i use as the measuring stick as to the end of the great era of horror on VHS as I consider it to be the final truly great/important movie of the VHS era) as well as some awesome major studio releases like GRAVEYARD SHIFT, POPCORN, BODY PARTS that still hit theaters but were overlooked at the time. I remember anxiously waiting for these movies to come to my video store.
|My #1 most rented tape
I have seen many gems come and go. When I fall upon hard times I have sold my entire collection multiple times over the years and have rebuilt it multiple times. Some tapes I will never obtain again but the memory of watching said movie to me is more valuable than the physical copy sitting on my shelf because I rented so many movies and was never able to own them back then so that knowledge or memory was all you had of that movie once you returned it to the video store. That still sticks with me today. I made many friends over the years who shared a love for horror and VHS. It was something that an alienated kid found and it allowed me to escape into another world. For all of these reasons I still love horror and VHS.
Posted by HARD ASS RECORDS at 3:27 PM
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Labels: 90s HORROR, ADJUST YOUR TRACKING, BIG BOX HORROR, BIG BOX VHS, EVIL DEAD, Gore, Horror, HORROR ON VHS, PARAGON, SLEAZE, VHS, VHS COLLECTING, VHS HORROR, VIDEO STORE, VIDMARk, WIZARD VIDEO
Saturday, May 11, 2013
It's been a long time!
It's been a LONG time since I have posted/updated anything. I plan on doing some stuff w/ this blog again in the near future. Hard Ass Records no longer exists (as if it really ever did) and I won't be posting releases or anything anymore. I plan on doing some opinion type stuff, interviews, and (lots) more horror stuff. The title of the blog will probably change to HARD-ASS REALITY in re near future. I just haven't had the time like I used to.
More stuff coming soon!
More stuff coming soon!
Posted by HARD ASS RECORDS at 2:22 PM
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Saturday, April 14, 2012
SUMMER OF HATE 2012 "WORLDWIDE APOCALYPSE" Sat July 14th @ Peabody's
2045 East 21st St, Cleveland, OH 44115
SHATTERED REALM, DEATH BEFORE DISHONOR, RINGWORM. MERAUDER, NASTY (Europe), SUBURBAN SCUM, NUMB (Japan), CLENCHED FIST, WORLD OF PAIN, SAND (Japan), PALEHORSE, LIFELESS, 10 OF SWORDS, LIFE AFTER DEATH, COPYKILL (europe), CDC, COLD EXISTENCE, PSYCHO ENHANCER
Tickets: $26 adv/$30 at the door (there WILL be walk-up tickets at the door for the Saturday show!!!) Doors @ 2pm
OR buy tix for Summer Of Hate AND the July 13th SOH Kickoff show Tix for $35 (save $5!)
Friday, July 13th @ Pirate's Cove (Small room in Peabody's)
CROWD DETERRENT, TASTE THE STEEL, STRENGTH FOR A REASON, ENEMYMIND, COLD REIGN, and ETERNAL SLEEP
Doors @ 7:30pm
PEABODY'S - 2045 East 21st St, Cleveland, OH 44115
PEABODY'S - 2045 East 21st St, Cleveland, OH 44115
Advance Tickets can be purchased online through TICKET WEB via the link below. Tickets will be available in person up till the day before the show. You can get them starting the last week in April @ the PEABODY'S BOX OFFICE, at DEFIANCE TATTOOS in Kent, and more locations TBA soon. We will also announce via the SOH facebook which shows we will be attending in the region so you will know what upcoming shows tix will be available at.
- The show is ALL AGES, and there is no charge for under 21 patrons like Peabody's usually has. 21+ patrons can drink w/ ID. There is re-entry for 21+ only
- There will be hot dogs and burgers and possibly other food on the patio for a reasonable price
- The ticket prices include SALES TAX (unless you buy via ticketweb, then the tax will be added) so there will be no surprises at the door.
- This show is extremely rowdy, if you cannot handle a violent environment, this show may not be for you.
- There are many reasonable hotels nearby. If you wnat to stay cheap, call the UNIVSERSITY HOTEL and say "PEABODY'S" to get a $65 room rate. Or put in the Peabody's address at Hotels.com or similar sites and you will find some decent hotels within walking distance.
- This show is extremely rowdy, if you cannot handle a violent environment, this show may not be for you.
- There are many reasonable hotels nearby. If you wnat to stay cheap, call the UNIVSERSITY HOTEL and say "PEABODY'S" to get a $65 room rate. Or put in the Peabody's address at Hotels.com or similar sites and you will find some decent hotels within walking distance.
- Doors @ 2pm, 1st band @ 2:40pm. get there on time/early so you can get inside and avoid the long line!
SEE YOU JULY 14th!Ticket Web
Posted by HARD ASS RECORDS at 2:26 PM
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Labels: 100 Demons, beatdown, Crowd Deterrent, NYHC, Shattered Realm, Suburban Scum, sXe
Friday, July 29, 2011
1. Intro
2. Respect Is Collected
3. Wasted Years
4. Street Mother
Posted by HARD ASS RECORDS at 7:12 AM
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Labels: Blood In Blood Out, Crowd Deterrent, Indiana Hardcore, NYHC, SOSF, Suburban Scum, sXe, Trapped Under Ice
Monday, May 23, 2011
I was told via e-mail from Kevin of Bulldoze that "Summer of hate will be the last show ever for Bulldoze". While this is sad news, we are honored that this legendary band will be doing this at SOH. Over the years we have had many bands that play "beatdown"style hardcore play at SOH... in fact, that is mainly the style of music we have had play the show since it was started half a decade ago so we are thrilled to have the masters of Beatdown play the show!
Buy your tickets at the Pay pal link at the top right of this page, or click here to buy them via TICKET WEB, or get them in person at any Defiance Tattoos location. FEEL THE HATE!!!!
Now, the only question that remains is who will survive the set? And what will be left of them???
Buy your tickets at the Pay pal link at the top right of this page, or click here to buy them via TICKET WEB, or get them in person at any Defiance Tattoos location. FEEL THE HATE!!!!
Posted by HARD ASS RECORDS at 6:44 AM
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Labels: beatdown, Bulldoze, Hardcore Fest, NYHC, Summer Of Hate Tickets, sXe
Sunday, May 15, 2011
Below are the OFFICIAL SUMMER OF HATE 2011 MOSH OLYMPICS EVENTS explained in detail. Some events will be judged throughout the entire show... other events will take place over the period of just one song of a selected band's set. All events will be governed by official SOH JUDGES and GOLD, SILVER, and BRONZE medals will be awarded to those who are chosen the winners. Also, the winners will also be given other prizes! What will the prizes be? Cash? Merch? Gift Certificates? You'll have to wait and see! There will be 7 EVENTS total:
EVENT#1: HARDEST MOSHDURATION: 1 song during BULLDOZE'S set
What better event for one of the hardest and most respected bands of all time? This one is pretty easy to figure out. The people who display the most barbaric and brutal acts of mosh will win medals. BE WARNED: those who take cheap-shots at people standing on the outside/sides of the mosh-zone will hurt their consideration for medals, so punching the 90lb girl w/ glasses standing near the pit won't get you anywhere. However, contact w/ other moshers is encouraged! Anyone who moshes during the selected song will be considered by the judges. Go hard and go for eternal glory!
EVENT #2: KING OF THE PUSHDURATION: 1 song during CROWD DETERRENT'S set
The old-fashioned push-mosh will be the only form of mosh considered. Keep those legs on the ground, karate kicks won't win this one! Those who manage to push the most people on the ground will receive higher consideration from the judges.
EVENT #3: FREESTYLE STAGE DIVEDURATION: 1 song during WISDOM IN CHAIN's set
(This event may or may require pre-registration) Only those who dive w/ reckless abandon/no regard for their personal safety will take home a medal! Arial acrobatics are a must. Use the trampoline for added points!
EVENT #4: FREESTYLE MOSHDURATION: The entire show
This category will be judged in many different areas: Recklessness, Style, Innovation, Quantity, and Brutality or mosh. Only those who's mosh leaves a lasting impression will be considered for medals.
EVENT #5: THIRTY AND UP (THE MASTER'S DIVISION)DURATION: during COLD AS LIFE'S set
(proof of age will be required) Old Men aged 30 + will show their skills on the dancefloor and show all the youngsters a thing or 2!!!! Of course, everyone regardless of age can still mosh/participate, just those over the age of 30 can win a medal. It is time for you youngsters to prove yourselves as well and hang with the big dogs!!u young
EVENT #6: THE IRONMANDURATION: BITTER END'S entire set
(this event may require pre-registration) This one is for those with excellent cardio! The rules are as follows: participants begin moshing as soon as Bitter End strikes the 1st note of their 1st song and do not stop (not even in between songs!). Those who stop moshing at any time are eliminated. You must keep moving and engaging in acts of mosh (determinations will be made by the judges). Of course, those who do not wish to participate in the event are more than welcome to mosh, dive, and sing. You may hassle the participants in any way you wish! Just as long as they don't stop moshing, anything goes!!!
EVENT #7: KING OF THE HILLDURATION: 1 song during TASTE THE STEEL'S Set
A square (made of duct tape, probably 8ft x 8ft) will be placed in the center of the dancefloor. Spend the most time occupying said space and you win! Judges will watch closely, and decide who they feel occupied the designated space for the longest amount of time. Any acts of mosh may be used to occupy the space or displace someone else. Please, do not participate in this event if you cannot handle being SEVERELY moshed repeatedly and not take it personally.
As for the medals, here is what they will look like:
A panel of judges will be selected and will govern the events. ALL of their decisions will be final. There will be an odd number of Judges to avoid ties and disagreements and they will do their very best to be unbiased in their choosing of Champions. A Ceremony will be held at the end of the show and medals will be given to the winners. The bands will pick which song they want to have the event during and said event will be announced prior to said song/period of duration by SOH Masters Of Ceremonies.
WHO WILL ELEVATE THEMSELVES TO ETERNAL MOSH GLORY??? FIND OUT JULY 9th!!!!!
Posted by HARD ASS RECORDS at 2:47 PM
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Wednesday, April 20, 2011
As of June 27th we are done selling tickets via the Pay Pal method, you may still buy tix via the TICKET WEB option (described below) or at the Door/Day of Show. If you bought tix via the Pay Pal/Snail mail method, alll tickets will be mailed out by Tuesday June 28th.
Saturday, July 9th @ Peabody's
TICKETS $22.00 in Advance, $26.00 Day Of Show, Doors & Opening Ceremony @ 3pm Sharp. All Ages.
- There are online tickets you may buy from TICKET WEB at the link below (they charge a service fee and Sales Tax is included)
- Tickets will be available at the door for $26 (this price includes State Sales Tax of 8% and there is no service fee... venues in OH have been hassled by the State lately for Sales Tax money because they are scraping for $$$)
- You may also buy tickets @ PEABODY'S Box Office or from any DEFIANCE TATTOOS LOCATION with no extra service charges
Here's some more general info that may answer any questions you may have:
Here's some more general info that may answer any questions you may have:
- There will be 2 stages and no 2 bands will play at the same time 100%
- We do not have control over the ticket provider or the fact that Sales tax must be included in the ticket price. This is one of the only things we could not control in regards to the show since the venue has a contract that all shows go through the same ticket provider. Any service charges and fees the ticket provider charges for pre-sale tickets are out of our hands. The door/day of show price will not have a service charge, nor will tickets bought @ Peabody's Box office.
- There will be re-entry for 21+ only
- 21+ Drink w/ ID
- There will be food (burgers, dogs, etc) on the patio for a reasonable price
- There will NOT be an extra charge at the door for under-21 (Peabody's usually does this, but for this show there will not be any such extra charge for those under 21 years of age)
- The price of the show has increased this year but the promoters will STILL not make a dime off the show regardless of the turnout. ALL monies will be paid to the bands and venue and cover costs. If there is money in excess of the budget, bands will be paid more than what they were promised. Out ultimate goal is to pay the bands above and beyond what was promised... don't you want the bands you came to see get well taken care of? We do! Also, many of the bands this year are coming from places like Texas, Chicago, Boston, and other areas of the East Coast and gas is a major factor for the bands that have to travel to play for you.
We hope that everyone will have a great time this year! We tried our best to bring a good mix of the hardest legends and newer bands. Since we don't make one thin dime off doing the show, the only reason we do it every year is to provide the bands and people who attend with the most enjoyable show possible. Lots of people helped us to book the show this year... thanks to everyone who helped us get this far. FEEL THE HATE!!!!!!!
Posted by HARD ASS RECORDS at 5:07 PM
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Labels: Beatdown Hardcore, Bulldoze, Cold as Life, Crowd Deterrent, Fury Of V, Hardcore Fest, Harms Way, NYHC, OHHC, PAHC, Stout, Straight Edge Hardcore, Suburban Scum, sXe, Wisdom In Chains
Saturday, April 16, 2011
Be here April 20th @ Ten To Midnight (11:50pm) for a final lineup announcement for SUMMER OF HATE 2011. At that time pre-sale tickets will be available for purchase as well.. This 4/20 even people who are straight edge will have reason to celebrate! See you then!
Posted by HARD ASS RECORDS at 10:03 AM
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Labels: Beatdown Hardcore, Bulldoze, Colin of Arabia, Crowd Deterrent, Hardcore Fest, NYHC, Oi, Skinhead, sXe
Saturday, January 15, 2011
Click here to Download ULTIMO BEATDOWN "WAR OF THE COLOSSAL BEAST" free!
1. Hands Of The Creator
2. Personality Disorder
3. Mothra's Plea
4. Feelings
Posted by HARD ASS RECORDS at 3:41 PM
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Labels: Blood For Blood, Bulldoze, Cold as Life, Creepout, Crowd Deterrent, Integrity, NYHC, Sheer Terror
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Middle School dance DJ
- 03
- Nov
Middle School dances are a lot of fun. I believe it is essential to help schools promote their dance and produce awesome experience. This last week 1st Dance Entertainment helped Desert Shadows Middle School in Scottsdale, AZ with their Halloween dance. It is essential to help promote school dance so Wednessday before the dance we […]Continue reading


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Chubb is one of the UK's best‑known providers of fire safety and security solutions for businesses and organisations nationwide. For nearly 200 years, our mission has been to make your world a safer place by protecting our customers with essential systems, equipment and services. With the increasing demands placed on your business, Chubb is a partner you can trust.
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With ChubbmySite you can efficiently manage/print your invoices and statements, as well as making secure payments and switching to paperless direct debit. Additionally you can view your service history, engineers visits and where applicable change your nominated keyholders.
March 16, 2006
Following the success of last year's Christmas Card Competition, Chubb is this year launching a nationwide competition, open to all Sections, to design a poster promoting Fire Safety on Bonfire Night, 5th November 2006.
November is a long way off, you might well be saying to yourself, but it is never too early to be thinking about fire safety. Remember November 5th, the roaring heat of the fire on your cold cheeks, piping hot baked potato in your hand, the hiss and bang of colourful fireworks exploding in the blackness of the night sky – there is nothing like the magic of Guy Fawkes Night.
Last Bonfire Night there were over a thousand recorded injuries, and since the firework most likely to cause harm is in fact the unassuming sparkler, everybody taking part in Bonfire celebrations needs to be aware of the dangers of these and other popular fireworks. So, whether you will be attending a public bonfire and fireworks display, or having fireworks in your garden, it is important that everyone in the family follows the fireworks code. Log onto www.dti.gov.uk/fireworks to view the fireworks code.
To encourage young people to think about the importance of safety during the Bonfire season, Chubb is offering Scout Groups across the United Kingdom the chance to win some money to put towards a water-themed outdoor activity or equipment. This could range from the purchase of a canoe, a day out at a water theme park, or sailing instruction on a lake.
To enter the competition Groups can design an informative poster about enjoying Bonfire celebrations safely. The poster should include both text and graphics, and should be conceived by the Scout Group as a whole (not individuals).
1st prize - £400
2nd prize - £100
Fiona Brennan, The Marketing Department, The Scout Association, Gilwell Park , Chingford, London, E4 7QW
Remember to include the Scout Group name, full postal address and contact telephone numbers. The closing date for entries is 29th September and the winners will informed by 6th October 2006. The winners will be announced on www.scouts.org.uk and on the sponsorship pages of www.scoutbase.org.uk in October and will feature in the Dec/Jan issue of Scouting Magazine.
Since the launch of the Chubb Fire Safety Badge in January 2004, it has proved to be one of the fastest growing and most popular Scout badges, with a staggering 31,108 Scouts completing their badge over the last two years. Visit the sponsorship section of www.scoutbase.org.uk or click here for some help, advice and resources for the Chubb Fire Safety Badge


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Check Out Some of These Ridiculous Newspaper Headlines!
Local Man Kills Himself Before Shooting Wife and Daughter
"Something Went Wrong in Jet Crash," Expert Asserts
Police Begin Campaign to Run Down Jaywalkers
Panda Mating Fails; Veterinarian Takes Over
Miners Refuse to Work after Death
Juvenile Court to Try Shooting Defendant
Outbreak Of War Dims Hopes For Peace
Local Couple Slain, Police Suspect Foul Play!
Red Tape Holds Up New Bridges
Man Recently Struck In Head By Lightning, Now Faces Battery Charge!
New Study of Obesity Looks for Larger Test Group
School Health Class Deemed A Success - Kids Make Nutritious Snacks
Local High School Dropouts Cut in Half Hospital Is Sued By Two Foot Doctors!
Typhoon Rips Through Local Cemetery; Several Feared Dead!
"On WORDS And Up WORDS!"
Larry :-)
Words are my Paints - Minds are my Canvases.
Larry L. Nicholshttp://www.WordandWebWiz.comhttp://www.OnWordsAndUpwords.blogspot.comhttp://www.WriteForMe.com
Larry L. Nichols is a writer, copywriter, "ghost-writer," content provider, editor, marketing consultant & online business advisor, successfully helping to build his valued client`s dreams and manifest their passions for over 3 decades.


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4 Boating Adventures in Sarasota, FL
If you're not on a boat as a resident or visitor in Sarasota, you're missing out on plenty of fun adventures on the water! From snorkeling to exploring the wildlife and luxury waterfront homes here, there are far more boating adventures than just coasting along Sarasota Bay. If you don't own a boat, there are plenty of facilities where you can rent a boat, too. And if you'd rather not travel by boat, take out your kayak or canoe to enjoy these boating adventures in Sarasota.
Tour Sarasota's fabulous luxury homes.
Sarasota has some beautiful mansions that you can see when boating along the Intracoastal Waterway! From luxury tiki huts to grandiose artwork in the backyard, if you go at a slower speed, you'll get to take in all of your surroundings. Look to Bird Key and Northern Siesta Key to begin this unique boating adventure!
Cast a line at the Middle Grounds.
The Middle Grounds are one of fishermens' favorite fishing spots in Sarasota, and it's also a sort of hidden gem. Just head to the New Pass area in Sarasota Bay, and you will find an area brimming with spotted seatrout, pompano and cobia, just to name a few! Use shrimp as bait or try fly fishing to capture these fabulous game fish. If you need more bait, there are several bait shops nearby carrying the best in bait and any other fishing supplies you might need.
Explore the underwater communities
Anchor your boat, canoe or kayak in a sandy spot adjacent to one of Sarasota's seagrass beds to do some exploring! You'll likely find these these seagrass beds when you snorkel in water that's within 7 feet deep. From underwater landscapes, spotted seatrout or even manatees, snorkeling is one of the most thrilling boating adventures you'll want to carve out time for while in Sarasota. Just be mindful when you're snorkeling as to not disturb these beautiful underwater communities.
Capture the natural surroundings and wildlife.
When you're boating in Sarasota, you'll come across a plethora of unforgettable nature views and wildlife. Capture these moments by taking your professional camera on your boating adventure and waiting for the perfect shot! Watch as dolphins come to the surface, and don't forget to look up to see great blue herons in flight!


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Ruzzle Cheat
There are so many gaming apps these days, especially since almost everyone now has a smartphone or a tablet. Many of those games also come with a cheating app, some even more than one, and the Ruzzle game is one of them. There are many available apps that feature a Ruzzle cheat. A cheat app for Ruzzle can be easily accessed on the web. With only two minutes to find words per round, playing Ruzzle can both be exciting and challenging, or even frustrating for some. Therefore, using a cheat app for Ruzzle can significantly change the outcome of a game into your favour!
Types of Ruzzle Cheat:
This Ruzzle cheat app allows you to import a Ruzzle game. The app then generates all the moves you can possibly do with the Ruzzle grid you submitted. What makes it even better is that you can also see the number of points each word yields, so you can go back to the game and play those words, particularly the high-scoring ones! With this app, you can easily beat any opponent.
This Ruzzle cheat is quite easy to use – you need only to perform three steps. First, take a screenshot of your current Ruzzle letter grid. Second, load that screenshot into the Cheat for Ruzzle App. The final step is actually done by the app – it generates words that are worth more than a hundred points each! Aside from English, the app can also be programmed for other languages like French, German, Swedish, Italian, Spanish, and a lot more.
Aside from Ruzzle cheating apps that you can download, you can also find empty grids online. They require more time and effort to set up, but are nevertheless still helpful. Like the app discussed in the previous paragraph, you first need to take a screenshot of the letter grid right away and quit the app. Use the screenshot as your guide in entering the 16 letters into the empty grid. After completing it, click the submit button and voila! You get a list of all the words you can form. To make things easier, you can even tap or click a word to see the swipe pattern you need to do to form it.
An even much quicker alternative to entering the letters into an empty grid is simply typing them into a single row (from left to right) in one empty box. This will still produce a list of the words you can spell in your current Ruzzle game.
There are also available grids that allow you to set the available multiplier tiles. You simply have to click the box that corresponds to a multiplier tile and choose the kind of multiplier. With the multipliers in place, the values of the generated words are even more accurate.
With these types of Ruzzle cheat, you will surely amaze your opponent! However, keep in mind that you should still maintain a balance between playing Ruzzle entirely on your own and using some cheat apps.


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When you're searching for your dream job there is only one question that applies: How do I get noticed and stand out from the pack?
The bad news is, todays market is a tough market. The good news is, it's to your advantage! I know many people who are struggling to find a job these days, so who am I to say it's a good thing?
Truth is, I been there myself. I applied for all my dream jobs, but no offers were coming my way. Eventually, I broadened the filter, expanded more and more, and eventually I landed a job in a 7-eleven (yeah, that's right). I was fresh out of high school at the time, so I had no degree or real work experience. I really had to fight for that job and it was minimal pay, long hours and bad conditions.
It wasn't until afterwards I realized how to apply for a job 'the right way'. It became clear to me that I've failed in three main areas. First of all, I turned down every job description with a requirement I didn't met. Second of all, when I applied for a job I did it like everybody else, either filled out a form or send a resume by email. Not that there's anything wrong with these two application methods per se, however, unassisted they're seemingly ineffective. And (thirdly), come to think of it, in my application I was focused on what I did and how the employer would benefit from that. But I was yet to realize that I couldn't have been more mistaken…
What I did was to appeal to the rationality of the employer, by sticking to the facts. "I'll be a good fit for this position because of my experience, skills and education etc." – you should hire me!
But that's not how it works (for 99% of applicants), 'cause only if you're in the top 1% you might get hired exclusively due to does features. But in my experience most people aren't in the top 1% (shocker!). So what are the rest of us supposed to do?
Well, in my experience one should appeal, not to cold facts, but the fuzziest of things – feelings. However, it's to be noted that I'm not talking about sympathy. I'm talking about the reason you get up in the morning. The reason why you do what you do, and why you can't stop doing it.
To give an example, here's my latest application: microsoft.simonsunde.dk
It was a job as a student worker in their marketing department. The idea was to illustrate my believes above my skills. I wanted them to know, that I should be working there, not because I was the best candidate (on paper), but because I shared their believes. And that's far more to valuable than just a dutiful employee. That's what I wanted to share with you. I'm not saying you should make a page like mine, but I'm telling you to put in the effort – be creative! Would you hire someone if you knew they were only applying for the pay, prestige or the network? (I know I wouldn't). As a company you want to have people who believe what you believe. Employees that shares you vision. Not someone who doesn't give a damn.
So lastly I want to encourage you guys to go on and apply for your dreams and be true to what you believe in. If you don't know what that is, it might be a good starting point, before you apply for your next job.
(If you're wondering my application did open some doors, but eventually I went other ways, because I went with my heart… which I'll never regret!)


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Brandon Williams
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Knoxville, TN
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Great commercial lot located just off Highway 66 in Sevierville in a growing area across the street from the Village Antique and Home Decor Mall and directly behind Heartland Antiques and Collectibles. This area gets tons of traffic and much of the new highway 66 development activity is close by. Two lots available. See MLS 1064134 for pricing and information.
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From rhetoric to reality: farmer perspectives on the economic potential of biochar in China
MetadataShow full item record
Biochar has garnered much attention for its potential to improve farming productivity and sustainability by amending soil, enhancing crop yields, improving fertilizer use efficiency and sequestering carbon. However, few publications consider farmer perspectives on whether biochar is attractive as an agricultural input. This paper therefore investigates the micro-economics and social suitability of biochar in four contrasting Chinese agricultural systems, using linear optimization models and qualitative contextual data. Results demonstrate that commercially produced biochar is uneconomic as an independent farming input, whilst farm-produced biochar shows promise in just one of four case-study sites. This suggests that biochar research in China should shift away from on-farm production and application of pure biochar, towards combined biochar-inorganic fertilizer products.
Journal Title/Title of Proceedings
International Journal of Agricultural Sustainability
Volume/Issue Number
Page Numbers


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New Proposed Rules from TTB Aimed to Protect Integrity of the Appellation of Origin System
September 27, 2016 | Leave a Comment
In its Notice of Proposed Rulemaking No. 160 (NPRM 160), the TTB proposes amendments to existing appellation of origin rules that would close a loophole that has allowed certain wineries to produce wine labeled with the name of an appellation of origin, including protected American Viticultural Area (AVA) names, even though the wines did not […]
Two New AVAs for California's Lake County?
June 28, 2011 | Leave a Comment
Growers in Lake County, California are working together to submit petitions for two new AVAs to the U.S. Tax and Trade Bureau for the Big Valley and Kelsey Bench growing regions. The TTB defines an American Viticultural Area as a designated winegrape growing region in the United States distinguishable by geographic features, with specific and […]


text: Chaka Khan is a name that needs no introduction. The 10-time Grammy Award-winning singer is one of my all-time favourite singers, forming the soundtrack to many of our lives due to her unforgettable melodies, iconic soulful anthems and other-worldly vocal abilities. When I heard she was gracing London's Indig02 with her presence I had to do a double-take. But indeed, it's thankfully true, Ms Chaka will perform two nights at the famed intimate venue on Wednesday 12th July and Thursday 13th July. Tickets start from £39.75, to book visit here.


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Sun King Brewing has announced plans to open a small taproom and brewery in Fishers, Ind. this summer about a half mile away from where the company eventually plans to build out a larger scale production facility.
Construction is currently underway on the 6,000 sq. ft. space inside a shopping center, which the company said would be complete with a 3-barrel brewing system, taproom and event space for community and private events by this June.
Located about 20 minutes from the company's flagship brewery in Indianapolis, the new brewery will enable it to produce more small batch, one-off and experimental beers, according to Sun King co-founder Clay Robinson.
The expansion is a dramatically scaled back version of the company's initial plan to invest $8.8 million to build out a 40,000 sq. ft. destination brewery in the town with capacity to brew nearly 30,000 barrels per year.
As Brewbound reported last summer, the Fishers Town Council had approved a $2.5 million economic development deal to capture property taxes for 25 years to help offset the larger project's costs, while the Indiana Economic Development Corp. offered to provide $450,000 in grants and tax credits based on the proposed facility's potential to create jobs.
Sun King reevaluated that plan, however, in light of Indiana law that prohibits breweries that produce in excess of 30,000 barrels per year from self-distributing or operating on-site tasting rooms. In December, the brewery went as far as to sever ties with its wholesale partners in the state to rein in production to stay under the cap. From there, it launched a public awareness campaign in collaboration with another Indiana brewing stalwart, 3 Floyds Brewing, to try and change the law.
On April 1, Indiana lawmakers passed Senate Bill 297, which, pending Gov. Mike Pence's signature, will triple the cap to 90,000 barrels.


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Con Ed Launches Smart Grid Pilot Project in New York City
photo: Karen via flickr
New York utility Con Edison has announced that it is beginning a $6 million smart grid pilot project in Long Island City, Queens. The location was chosen, ConEd said in its press release, because it has a "customer density mixture representative of other areas within the company's system." Here's what the pilot program will consist of:About 1,500 customers will receive smart meters -- which are the main component of ConEd's Advanced Metering Infrastructure. The AMI will allow automatic outage notification, remote meter reading, remote reconnection, and the ability to communicate energy usage information to web portals or in-home displays. 300 customers will test these web portals and in-home displays.
ConEd also announced that by the end of August it will file proposals with the Department of Energy for financing of $375 million in further smart grid projects.
More: Con Edison
Smart Grid
5.3 Million Smart Meters to be Installed by Southern California Edison
Texas Utility Spends $690 Million on Smart Meters
Good News: 8.3 Million US Homes Now Have Smart Meters


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As If The Moon | 11
As If The Moon photography series explore the notion of Moon, not only as a celestial object of extraordinary geometrical shape, but also as a symbol being a cause of fear, curiosity, myths, legends, and superstitions since antiquity. The island's monumental rocks create a primeval scenery, which gives the illusion of a lunar landscape. Due to its transcendental nature and the connection between its shades and the notion of the Other, the unknown, of what exists beyond our senses, the Moon and its phases have had a significant impact on the development of social, cultural and aesthetic structures throughout history. However, the rebirth of the moon and the appearance of a new one every 28 days can be considered as an ever-present change that disturbs the established order and norms and plays the role of a vital force of creative renaissance.
- Aigli Andritsopoulou
Limited edition I Signed by artist I Archival inks and paper
Edition Size : 5 (100.4cm x 150cm)
… Read more about Aigli Andritsopoulou
We know nothing beats meeting an artist and to hear their thought process on creating an artwork. We can facilitate this process by arranging a Skype call between the artist and a potential buyer. simply email us to set up a call: firstname.lastname@example.com
We hate hidden costs or surprises when it comes to checkout, so at Subject Matter Art prices include shipping fees. artworks ship within 2-3 weeks. (If you want the piece sooner we will charge a small fee)


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Installing ubuntu on eee pcPosted: 06/05/2009 Filed under: Linux, Nerdstuff, Uncategorized | Tags: nerdstuff eee ubuntu Leave a comment
A long time ago, I replaced the original linux on my eee with easypeasy. Ubuntu recently released a new version with an Ubuntu Netbook Remix included so I decided to test it on my EEE 900. Maybe my notes can be helpful for some other people out there.
Read the rest of this entry »


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The evening included stripped down versions of pop classics spanning the past few decades and included guest appearances by some of their Rocky cohorts, plus Tony winner Alice Ripley, believe it or not.
Here's a quick peek.
|Nick Cahoon's corset isn't tight enough. Want more?
|Nick Adams begins his tease. Want more?
|The Skivvies kiss off guest Alice Ripley.
Want more?
Special thanks to The SKIVVIES and the Bucks County Playhouse.
Book now to ensure your memorable performances remain so in memorable images.
All images are copyright © Daniel T Gramkee
All rights are reserved. Any copying, altering, displaying, reproduction or redistribution of any of these images without written permission is strictly prohibited.


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Let all guests who arrive be received as Christ, because He will say: "I was a stranger and you took me in" (Mt 25:35). And let due honour be shown to all, especially to those "of the household of the faith" (Gal 6:10) and to wayfarers.
Rule of Benedict Chapter 53
Let mutual love continue. Do not neglect to show hospitality to strangers for by doing that some have entertained angels without knowing it.
Hebrews 13: 1
I've been trying to briefly lay out some of the advantages that result from a positive answer to the prayer that Jesus prayed – "That they may be one…" In this post I want to make a few final comments and general observations before making a few practical suggestions, in the final post of the series, to help us become part of the answer to Jesus' prayer.
When we become followers of Jesus we become part of his 'body' on earth, the hands the feet, the hearts who are called to represent him on planet earth. Effectively we belong not just to Jesus, we belong to each other as well.
It has been said that the USA and UK are two nations divided by a common language…we use the same words but they can mean something completely different in each culture. The same could be said of Christians, who sometimes understand a word or an idea that seems the same in a completely different way. Disastrous misunderstanding can follow. Only by talking to one another, questioning and clarifying can we break down the barriers that our jargon can create (and of course, this is vital as we try to communicate faith within wider culture too).
Exploring our language and vocabulary may be one important step in dismantling the walls of fear, ignorance and pride that have been built between us, as we seek the many things we have in common as followers of Jesus.
All of us need to concentrate much more on the things that we all have in common as followers of Jesus. When there are differences, we need to honour and respect those…"agreeing to differ" falls far short of a oneness of heart and love for Jesus and one another.
The Celtic Christians recognised that often it is in the stranger, the one who is not like us, that we meet Jesus. There is an ancient Celtic rune of hospitality, collected on the Isle of Eigg by Kenneth Macleod, that makes the point:
I saw a stranger yestereen…..
I put food in the eating place
drink in the drinking place
music in the listening place
and in the sacred name of the Triune
he blessed myself and my house,
my cattle and my dear ones.
And the lark said in her song
Often, often, often goes the Christ in stranger's guise
Often, often, often goes the Christ in stranger's guise
In the final paragraph of his powerful book, "The Body Broken", Robert Benson writes:
We must be willing to cultivate humility along with certainty, to practice tolerance along with devotion, to seek patience along with piety.
We must learn to seek the face of Christ in those who are different as readily as we do in the faces of those who are like us.
We must learn to love one another.
We must learn to love one another…


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SK. Honnesh, Group General Counsel at the Piramal Group, is responsible for overseeing the legal function across the Piramal Group. He also heads the Secretarial and Compliance functions of the Company.
Honnesh joined Piramal Group in 2013 and has helped set up and organise the legal function across the group. He plays a critical role in identifying, mitigating and managing legal risk across the group companies. Honnesh also plays an important role in executing corporate transactions, acquisitions, mergers, sale and transitions in the Company. He has worked on diverse deals through his tenure with the Group. Some of the major transactions include fund raising of USD 770 Mn at PEL by QIP of Compulsorily Convertible Debentures (the first and largest by a non-banking company) and Rights Issue, investments in the financial services companies, Shriram Transport and Shriram Capital, acquisition of the product portfolio from Janssen, Mallinckrodt and setting up of IndiaRF, the company's Distressed Asset Platform.
Honnesh is a qualified Corporate lawyer and holds a Degree in Law from National Law School of India University, Bangalore.
Chairman, Piramal Group
Vice Chairperson, Piramal Group
Executive Director, Piramal Enterprises Ltd.
Executive Director, Piramal Group
Non-Executive Director, Piramal Enterprises Ltd.
Founder, Piramal Realty
Executive Director, Piramal Enterprises Ltd.
Vice Chairman, Piramal Glass
Chairman, Piramal Glass Ceylon Plc.
Managing Director, Piramal Capital & Housing Finance Ltd.
CEO, Pharma Solutions, Piramal Enterprises Ltd.
CEO, Critical Care, Piramal Enterprises Ltd.
CFO, Piramal Enterprises Ltd.
CEO, Consumer Products Division
Group Director - Strategic Business
CEO, Decision Resources Group
Managing Director, India Resurgence Fund (India RF)
CEO, Piramal Foundation
President & Chief Human Resources Officer, Piramal Enterprises Ltd.
Professor, Harvard Business School
Dean, Harvard Business School


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Favourite Writers? Recommendations?
S P Oldham
Would still love to hear the thoughts and opinions of my fellow readers and writers. Whose work do you enjoy and why? Who can you introduce me to, who would you recommend, who makes you think and reflect on the story long after you have closed the book upon the final page? Would love to hear from you, whoever you are, wherever you are from, whatever your tastes may be. Drop me a line and make my day!


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The Andrew Pearce story begins around the table with a family where food and ideas, aesthetics and functional design, were served daily. Creativity and innovation run deep in the Pearce family. Three generations found their inspiration in raw materials: Andrew's grandfather, Philip, worked with clay, Andrew's father, Simon, works in glass. For Andrew, the raw ingredient is wood.
Andrew Pearce Bowls
from Woodstock, VT
Finely crafted wood bowls and wooden dinnerware made in Vermont.


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The Cities with the Highest Vacancy Rates
The three top cities are located in the Sunshine State.
You can still be in massive credit card debt.
You can still be in massive credit card debt.
2 minute read
A good credit score isn't the happily-ever-after it's been made out to be. No doubt, it's a key player in the story of your financial life. It gets you a better interest rate on your car loan, and it can open doors to better deals on apartments and mortgages. It may even be a blessing in the job hunt, because employers are increasingly looking at credit scores.
But for nearly 40 percent of creditworthy Americans — those with scores in the 660-plus range — that pretty score is just lipstick on a pile of credit card debt, according to a survey from Marcus by Goldman Sachs.
The number of consumers in good credit standing but with growing credit card debt is on the rise, according to the online survey of 1,000 Americans with those solid scores.
This is harsh news in a world where so many are in pursuit of perfection when it comes to their FICO score, a three-digit number intended to rate a person's credit worthiness.
The average American's credit score is at an all-time high of 700, according to the Wall Street Journal. And for those not satisfied with average, Bloomberg reports just under 3 million, or 1.4 percent, of the people with FICO scores have figured out ways to game the system and now boast a perfect score: 850.
A number, however, does not protect its owner from life's little — or big — disasters.
Those surveyed pointed to medical expenses (64 percent) or injury (41 percent) as factors that put them on the path to debt. But car repairs, roof repairs, and the like can also pile up, and it is no secret that Americans aren't the best rainy day savers.
While 75 percent have some sort of emergency savings, only a third have saved enough to cover their expenses for six months should they need it.
So when something goes wrong in their lives, too many consumers with good credit get into trouble by trying to charge their way out of it.
When they can't pay the balance off right away, they can wind up in a cycle of high-interest, variable rate credit card debt.
"There's a surprising number of consumers with good credit and a history of responsible spending who feel immense financial pressures and are falling into credit card debt," says Andrea Woroch, a consumer finance expert working with Marcus. "More than half of them don't feel in control of their finances, which greatly impacts their lives and there needs to be a better understanding of options that can help them navigate their debt."
With credit card interest rates hovering just below 17 percent, debt can grow quickly. But 77 percent of those polled in the Marcus survey hadn't heard of alternatives to credit card debt, such as a personal or credit consolidation loan — loans with fixed rates that are significantly lower than those that come with plastic.
Debt.com offers this advice for handling emergencies without an emergency fund and this advice for getting out of credit card debt. Also check out Six things not to do when seeking credit card relief.
Published by Debt.com, LLC Mobile users may also access the AMP Version: Credit Scores Are on the Rise, But Having One Isn't Key to Financial Bliss - AMP.