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Batman vs. Superman is starting to get crowded. First, Warner Bros. made the announcement that Gal Gadot was officially joining the film as Wonder Woman. Then we heard rumors that Denzel Washington and Idris Elba were being considered to star as the villain Lex Luthor. Needless to say, DC fans have had a lot to chew on over the last week.
Now they've got something else to consider. According to a new report, Jason Momoa (Game of Thrones, Conan the Barbarian) is in discussions to join Batman vs. Superman in an unnamed role.
The story, which was first reported by THR, offers a few suggestions for who Momoa might play. We'll dig into those shortly, but it's worth mentioning that if Momoa does join the film, it wouldn't be the first time the actor has flirted with playing a comic book character.
Marvel reportedly considered offering Momoa the part of Drax the Destroyer in the upcoming Guardians of the Galaxy, but the deal fell through over salary negotiations. The company later selected Dave Bautista to star in the film. Maybe Momoa will be a bit more flexible this time around.
But let's get back to Momoa's possible role. One possibility, mentioned in the THR article is Doomsday, is one of DC's greatest villains and the person that "killed" Superman. The rumor mill has been churning about Doomsday for a little while now, so it's no surprise to hear Momoa's name tied to the character.
[caption id="" align="aligncenter" width="570"] Doomsday and the New 52 version of Bizarro Superman.[/caption]
In the comic books, Doomsday was a genetically engineered monster that was put through an accelerated natural evolution to become a perfect, unbeatable killing machine. If Lex Luthor is a part of the movie, as many fans are expecting, we could see a version of Doomsday that is genetically engineered by Luthor to act as a deterrent to Superman.
Another possibility (though less likely) could see Luthor using leftover genetic material from one of the Kryptonian invaders in Man of Steel to create a clone of Superman, leading to a version of Bizarro Superman (which is essentially what happens with one version of the character in the comics).
Of course, Jason Momoa won't necessarily play a villain. In the THR article, a source speculates that Momoa could play Martian Manhunter. Given that the entire DC movie universe is building toward a Justice League movie, this is a possibility. (Heck, given how many characters are appearing, they might as well come right out and call this movie Justice League.) That said, based on Momoa's previous roles, it seems likely that he'll play someone a bit more...violent.
In any case, Momoa offers the physicality and action movie experience to fit into Zack Snyder's sequel no matter what role he plays. The question is, will the addition of too many characters too quickly backfire and leave audiences wondering what might have been?
Let us know your thoughts about Momoa in the comments. Who do you think the actor could play?
Man of Steel 2/Batman vs. Superman hits theaters July 17th, 2015.
Source: THR


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PuzlzleMaster necesitaba un nuevo diseño de botón o icono y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 25 diseños de 9 diseñadores freelance.
Redraw or Design Outdated Icon Buttons.
ObviO Software
Draw 23 icon buttons to be used in the windows of an accounting system database. We have given the program a facelift and we now need to update the icon buttons to be used on the new input screens. We have examples of the existing buttons and an Idea of what the replacement buttons should look like. You can use the same theme from the example or provide your own theme design if you have a better idea. Send us a message so we can email you pictures of the buttons that we need replaced.
- Item 1...The ENTIRE footprint of each button must be exactly 36X36 pixels. They should be designed "native" to that size and not stretched or shrunken to fit and therefore introducing distortion.
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Yuk factor in this story: Chinese foot masseur Lu 'Knife King' Keshui has made a large sculpture from nail and skin clippings from his clients feet ! Mr Keshui of Wuhu, in the south eastern Anhui province 安徽 , used the clippings from 10,000 people to make sculptures of 550 people and 60 animals for his collage. I shall resist a picture !
Author Archives: admin
Flip flops for revellers !
More on flip flops ! Sunny Torbay has a fun night life that seems to leave revellers without their shoes ! After a night on the happy juice the flip flops are aimed at women that have had a few too many. Costing the council some £30,000 to implement the scheme, they hope the flip flops will help prevent ankle injuries. So instead of falling off their high heels they will wear this inexpensive flat footwear–and the flip flops have a safety message about alcohol on them as well. The police have said this is just part of their drink awareness campaign and hope the scheme will help keep some of the party goers from turning up at Casualty with injuries. Interesting to see how it works out !
Risky flip flops
They might not be the most attractive footwear but they are popular. Flip flops come in a variety of colours and styles however they have been found to alter the gait of the wearer with a potential to cause low back pain. US researchers at Auburn University recruited 39 men and women for their study in to flip flops. They recorded the patterns of walking, comparing the users also in athletic shoes. The findings indicated the wearers took shorter steps gripping their toes to hold them on. The measurement of vertical force placed on the ground along with limb angles and stride length enabled the researchers to view the changes that were happening from the foot up towards the hip. The gripping or clawing of toes to hold the flip flops on has been eliminated in other versions of the footwear. The removal of the thong from between the toes and adding a re-useable adhesive to the surface of the flip flop has produced another popular variation. The idea is that the foot sticks to the surface and eliminates the clawing. The only thing is the adhesive will not last very long if worn wet or when dirt covers the surface and probably not the easiest item to pack away. Maybe this version may no longer produce the familiar flip-flop noise !
Get bitten by Crocs
Perhaps not the dangerous animal but the popular rubber type sandal. It seems that many find this a comfortable colourful alternative to everyday footwear. Mothers have reported that kids wearing Crocs on an escalator have almost seen their 'baby' crocks pulled off their feet as they get pulled in to the machinery, thankfully just part of the shoe not the foot. As I have personally witnessed a child's shoe getting caught at the top of an escalator and there was no misbehaviour by the child, any loose fitting footwear is potentially dangerous. Crocs might also be banned in some schools (dangerous when running around) but they have now been targeted by hospital administrators. Their crime is that the material they are made of is not anti static and can cause wild but perhaps not dangerous malfunctions in delicate equipment, there is also a potential to cause an explosion. Certainly not something that anyone would like to happen. The Crocs have been a favourite of some nursing staff but Health and Safety concerns may have something to say –the holes in the Crocs might very well be an ideal entry point for the dropped contaminated syringe or perhaps any form of, let's say, organic matter that might find its way to your footwear, not very hygienic. So everyone has a favourite story about their Crocs–helped my sore feet?, very dangerous?, a fashion faux-pas?, very comfy?, what's your thoughts ?
Summer time feet
As the weather warms up it's time to think how to keep the feet comfortably cool. Wearing sandals instead of closed in shoes seems obvious but the inner sole of the sandal can make a difference to the way you feel. A good quality inner sole made of leather will help absorb perspiration, but the opposite is the plastic one that will sweat the feet all day. Even some expensive sandals seem to have plastic inner soles and this contributes to that horrible sticking feeling when using them. Manufacturers have thought up some clever ideas to help combat this sticky sweaty situation, one is a towelling type of insole that can be washed or exchanged for a new one. Other alternatives to help keep comfortable are based on sprays or cooling gels. Some gels can be sticky if applied too thickly but Ice Gel a cooling foot gel for hot feet is a helpful product and a spray containing cooling Menthol and Triclosan for its deodorant properties called Akileine Red, hot foot spray helps. Even the least expensive methods such as using a cool foot bath or a simple application of surgical spirit dabbed between the toes can make you feel much more comfortable.
Keep clean at the Gym
When joining a gym the first thing that happens is the induction. Learning to use the exercise equipment safely is important for your health and safety and prevents injury. Something though that doesn't come in to mind much or is never mentioned are the hidden problems like bacteria covered equipment, stale sweat exercise mats and fungal infected floors. A good gym that recognises that many people use equipment in various states of cleanliness will provide some form of antibacterial sprays and paper towels to wipe down the equipment. If you use an exercise bike or tread mill this will provide a moment of time just to look around to see how often the equipment is cleaned. This is an exercise that may surprise you !
Although few in gyms pick up the Community-Acquired MRSA, it can trigger a lethal type of pneumonia which infects vulnerable individuals causing boils and sores, joint infections and and at worst septicaemia via open cuts and abrasions. Some clubs that issue towels to members have through incomplete or inadequate washing also passed on this bug. So take your own towel is an answer here.
Good precautions are; wipe down the equipment with the sprays provided and if none are available find out why and wear flip flops in the gym around changing areas and most certainly in showers. Another consideration is the anti bacterial Silvatec soap which kills 99.9% bacteria and produces a protective layer over the skin protecting you from harmful bacteria.
More about High Heels
It would appear that the fashion for high heels is certainly not abating. Medical staff at Ninewells Hospital in Dundee report 20 new cases a month for surgical intervention. Fashion conscious ladies are simply just hobbling their way to future problems and the inevitable foot surgery. High fashion plus the fact that the shoes are worn so often and not kept just for those special occasions are contributing to bunions, neuromas and curly bent toes to name but a few. The biomechanically unsound shoes cause the ball of the foot, the metatarsal area, to be really uncomfortable. To improve comfort manufacturers have incorporated gel heels and ball of foot cushions plus soft leather uppers in to their styles and some designers advocate shoes no higher that 10cm (4ins) in their ranges. Improve comfort in your existing footwear with Invisigel ultra fine gel insoles http://www.yourfootcare.com/html/silicone_insoles_.html and ball of foot cushions http://www.yourfootcare.com/html/ball_of_foot.html
Ancient feet
It would seem that squeezing feet in to shoes is not a new thing. A recent study in the US looked at the 40,000 year old structure of the human foot found in a cave in China. When the feet were examined for shape and bone density they showed an amazing similarity to the feet of todays shoe wearers. The early toe bones might not have had the likes of narrow footwear and high heels to deal with but as civilisation progressed skills such as shoe making using animal skins became evident from the types of tools found on archaeological digs. It was often considered that the Romans had the first footwear made from a separate upper and sole but the discovery of the 'Iceman' in 1991, a 5,300 year old frozen mummy found by hikers near the Austrian Italian border, also showed a remarkable degree of sophistication. The Iceman's shoes were in an advanced stage of disintegration when found but careful examination revealed a shoe made in one piece leather with a form of straps to hold the shoe on and grass stuffed in for heat retention.The shoe itself being recently considered the possible upper portion of a snowshoe.
Dry Pro
Several weeks ago during Diabetic Week I was reminded by a patient that it's an important point for our profession of Podiatry to recall how difficult it can be to care for foot dressings at home. The patient is sent home to return in a few days with sometimes information like "keep it dry", "hang your foot out of the bath" or even "just wrap a poly bag around your foot". Not only can dressings be bulky and warm they can also make life difficult when doing those normal everyday things like washing and bathing. In the Yourfootcare forum Fred asked the question "I have my foot wound dressed three times a week (I burnt it). I find having a shower difficult with plastic bags on my foot, and it leaks!
Help !! is there anything to help my problem, I have seen things that look like a big plastic bag".
There are several different products on the market to help patients like Fred. Many of the products look like modified polythene bags and can be quite slippy to use in baths or showers or they can only be described as 'showerproof' rather than for full immersion in water. Dry Pro ( Xero Products LLC)is a latex product that is quite superior to the modified plastic bag variety. The Dry Pro dressing and cast protector has a small valve on the side which when sqeezed repeatedly removes all the air making a vacuum around the foot and dressing to allow total immersion in water. There is also a clever non slip base that can make the patient feel more secure in the shower or bath. Quality of life is often discussed by professionals in relation to health care, this is one product that allows patients to return to a normal activity that we all take for granted like bathing whilst their foot wound heals.
Children's footwear
Some of the interesting questions on our foot forum concern children's footwear. The following question illustrates one of the problems. "My children are made to take their school shoes off as soon as they arrive at school, they then put plimsoles on . I have spoken to the teacher but to no avail. I have seen plimsoles that are too small on childrens feet -doesnt this do damage in the long run this kind of rule"?
My answer on the forum was "I think it's important to press the school on this issue again. Many parents do spend a great deal of money on properly fitted school shoes only to find they are worn going to school and finally going home at the end of the day. In the largest part of the school day the children wear gym shoes/plimsoles/sandshoes probably to keep the school clean or perhaps keep noise down. The problem arises when this type of footwear becomes too small and this is not noticed until a parents night or end of term because the gym shoes are normally left at school. Unfortunately growing feet can be easily damaged by short tight shoes of any kind thus destroying your efforts when buying well fitted footwear. It would perhaps help if you could speak to the head teacher as not everyone is aware of the health aspects or maybe thinks the point through. This issue is quite common and was recently discussed in current UK Podiatry literature".
This is just part of the story and parents should remember plimsoles worn all the time can make the feet hot, sweaty and really moist making the skin prone to bacterial and fungal infections. Ordinary shoes really do support the feet considerably better than plimsoles which are so lightweight and flimsy they can damage the growing foot. So check those gym shoes often, at least every few months and look after those tiny feet.


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Monday, March 17, 2008
Right From The Beginning
I don't agree with PJB on everything, and he makes some comments that make me squirm, but I had to face it, how many conservative thinkers are there out there? The talking heads on the radio are neither conservative nor thinkers. What other conservative voices are there? Besides that, PJB is sharp as a tack. Also, now that, I think, he no longer has plans to run for president, it's easier to identify with him. Brilliant, great speaker, great writer, fierce in debate, but no politicial.
Anywho, he's pretty fun to read, so I'm reading RIGHT FROM THE BEGINNING, and may read more ( I plan to, but you how it is being an slow-dyslexic-reader-book-enthusiast with ADD) of his stuff after that (maybe his new book?). RFTB is his memoir through 1988. I imagine that it was written as part of his aborted 1988 bid for the White House.
Cerebella, as much as I hate to feed your militancy for the Latin Mass and the church of mid-century, you would love this book, particularly the first 79 pages, which chronicles his childhood in 1940's and 50's Georgetown and Chevy Chase.
2 comments:
- Jared said...
Civis, ah the good ole days of school ... well, let's just say days. No really, as you know I enjoyed college (all levels of it), especially since you were with me through much of it. I first read Chesterton b/c of your non-stop chatter about Orthodoxy.
Re PJB, what has always impressed me about his writing is his vast knowledge of history. One article I recently read dealt with ethnicity and nations in Europe. To get to the point he was making one needed to have a thorough understanding of European history and geography.
Just for full disclosure I don't agree with everything PJB says either. Nevertheless, he is a dying breed of thinking conservative who is also popular.
Tucker Carlson called him the smartest guy on their channel, MSNBC. Easily.
For Belloc fans, Robert Bork and Buchanan each begin one of their books discussing something from Belloc. Has any contemporary more popular than these two ever quoted Belloc (positively) in one of their works? I haven't found one yet.
The new book sounds good to me Civis. Does the public library have a couple of copies?
- March 17, 2008 at 8:20 AM
- Civis said...
Funny you mention PJB and Belloc in the same comment. Both have a vast and detailed knowledge of history; neither are familiar with the concept of scholarly references!
Dunno if the library has a copy, though thier catalog is on the net. Used copies are cheap on Amazon which is where i will get my copy.
- March 17, 2008 at 12:27 PM


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Max A. necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 150 diseños de 23 diseñadores freelance.
We are an online payment provider that offers an anonymous solution. Our entire website needs to be redesigned, but at the moment, our checkout page and checkout button are our highest priorities.
Mainly males 18-45, although we do business with all demographics over 18 years old.
The obective of this project is very simple: our checkout page and checkout button just need face lifts.
We are looking to have a fresh new Web2.0 look and a feel. You have complete liberty to be creative, but keep in mind that ease-of-use is a necessity. You can go to our website for our logo (http://www.netcash.com), BUT IT IS NOT IMPORTANT THAT OUR CHECKOUT PAGE HAVE THE SAME LOOK AND FEEL AS OUR WEBSITE.
Web Page:
This web page needs to contain all of the information provided on this current checkout page:
The button is located on the website of our merchants and is mainly an attention grabber but when clicked on, takes you to the checkout page (in other words, when this button is clicked on from the merchants checkout page, it goes to the NetCash checkout page). Below you will find two links to 3 different types of buttons that we supply to our merchants.
We will require- .jpg and a layered RGB file.
Please do not use any of your stock images or clipart and don't hesitate to ask any questions! IF YOU ARE GOING TO USE A STOCK IMAGE PLEASE TAKE FROM OUR CURRENT WEBSITE!!!!!!


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Jets Learning To Score Big
All season long, head coach Eric Mangini has been pontificating about the need to play well in all phases of the game: offense, defense and special teams. The Jets 47-3 victory over the Rams was indicative of such improvement.
[Black Star Sports]
The New York Jets opening drive against the St. Louis Rams was their fourth straight game that they scored on their first possession, and they have won five of their last six games.
Nonetheless, Thursday's upcoming game against New England, a team who beat the Jets 19-10 in their first meeting the second week of the season will be a curious game to watch.
All season long, head coach Eric Mangini has been pontificating about the need to play well in all phases of the game: offense, defense and special teams. The Jets 47-3 victory over the Rams was indicative of such improvement.
"Our players of the week this week for the St. Louis game – offensively was Dustin Keller, defensively was Eric Barton, on special teams it was Jay Feely," said Mangini, who then was questioned about the emotional level of the team.
"Everybody understands that by winning against the Rams, and them winning against Buffalo, that this is for first place in the division at this point in the season. That's always exciting. It's always exciting to play a division game. It's always exciting to play New England. None of that is really new ground. I think we all appreciate that. With that being said," he added, it is important to understand "how difficult of a game it is."
For assurance, the New York Jets signed former Pro Bowler cornerback Ty Law for one season; he's expected to start at safety against the Patriots.
"I am in shape physically as far as wind and stuff like that, but it's hard to go out there and actually hit somebody," said Law who was a five-time Pro Bowl selection and played nine seasons with the Patriots and made the Pro Bowl in his only season with the Jets in 2006." That is going to be the adjustment but the conditioning and everything shouldn't be a factor."
Law played last season with the Kansas City Chiefs.
"It's going to be a challenge mentally because I am probably going to get more opportunities now," said Law, than "I will have ever seen in my career."
Thursday's game against the Patriots will be an interesting game in terms of strength and weaknesses of both teams will be revealed. "What I'm excited about is playing two games," Mangini said, with "consistency," referring to Thursday's game with New England.
"Where there was complementary football, where we minimized turnovers, where we've been able to minimize mistakes; generate turnovers and run the ball effectively. Those things excite me. I understand the environment. I understand the team that we're playing against. It's a good opportunity for us."
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I think you have "Filtered HTML" turned on here. If you switch to "Full HTML," it will probably...
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Change my album's contact address
If you would like to alter your contact information, you can easily change the email account associated with your Photo Album.
To Change the Email Account Associated with Your GoDaddy Photo Album
- Log in to your GoDaddy account.
- Click GoDaddy Photo Album.
- Next to the account you want to use, click Manage.
- Click Settings.
- Select the Account Settings tab.
- In the Email Address field, edit your email address.
- Click Save.
Your email address is updated.


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Karunya Institute of Technology and Sciences, was founded with the noble vision to raise professionals and leaders of high academic calibre and unblemished character, nurtured with a strong motivation and commitment to serve humanity. The institution is the fulfillment of the vision of its founders Late Dr. D. G. S. Dhinakaran and the present Chancellor Dr. Paul Dhinakaran. Established in 1986 as an Engineering College, it was granted an autonomous status in 2000 and declared Deemed-to-be University by the University Grants Commission (UGC) in recognition of its academic excellence by the Ministry of Human Resources Development under section 3 of the UGC Act, 1956 vide notification no 9-3-2000-U3 dated 23.6.2004 of the Government of India. Accredited by NAAC, the institution offers a wide array of Bachelors, Masters and Doctoral Degree programmes in various branches of Engineering, Biotechnology, Food processing and Agricultural Sciences. From a humble beginning of 180 students, the institution has rapidly grown to 8491 students and 452 faculty representing 18 academic departments.
In the three decades of service to higher education, Karunya Institute of Technology and Sciences has made significant progression in teaching learning, research and consultancy, innovation and transfer of technology, community service and value education. Translating the vision of the Founders into action, the institution is currently engaged in finding solutions to human problems in the four major areas such as Water, Food, Healthcare, and Energy through scientific and technological interventions.
Our History Our Emblem
The Karunya Emblem has a human face to indicate that the well being of humanity is central to our entire endeavors and that we shall never forget them in the midst of our equations and diagrams. The symbol has a gear wheel as the human eye, in appreciation of the importance of technology in today's world. The lighted torch stands for the light of knowledge, the light that promises moral, social and economic well being; The hand holding the torch depicts Karunya's contribution towards enlightening the young minds by spreading knowledge through education. The motto 'ARISE AND SHINE' is a motivation to the youth to shine in their respective fields of study. To sum up, Karunya's emblem reflects the institution's mission in creation and dissemination of knowledge, value addition to men and materials and optimization of human potential for national development in all its ramifications for a bright future.


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The Earth's crust contains 1,000 times the amount of gold it should, and it's because ancient meteorites brought it from outer space, according to a new study.
Scientists at the University of Bristol have determined that gold, platinum and other precious metals were delivered long after the Earth formed some 4.5 billion years ago. Such metals that were already part of the planet would have sunk to the core as the Earth cooled, within a few million years. But the abundance of gold in the mantle, embedded in rocks half a billion years younger, indicates the gold was brought by "terminal bombardment," the authors of a study published in the journal Nature say.
This bombardment, a shower of meteorites that also caused the cratering seen on the Moon, would have occurred more than 500 million years after the Earth formed. Scholars say it brought the gold that is now accessible in the Earth's crust.
"The proportions of gold and other precious metals are difficult to measure because they concentrate into nuggets, and we need to analyze a lot of rocks to get meaningful data," lead researcher Matthias Willbold told the BBC.
The period known as terminal bombardment brought 20 billion billion tons of asteroid material down on our planet, Willbold said.


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The TAIEX rose 1.59 percent yesterday boosted by gains on Wall Street overnight and a positive reaction to the legislature on Tuesday approving an amendment to the capital gains tax on securities investments. However, equity strategists said the market needs more good news to sustain the upward momentum.
Fubon Securities Investment Services Co (富邦投顧) analyst Kevin Chang (張宜立) said the timing of the revision to the tax could not be better and the move would lure retail investors back to the market to stem recent equity sell-offs due to external uncertainties and lackluster sentiment at home.
"The passage of the capital gains tax amendment is positive for local sentiment and market liquidity," Chang said in a note yesterday.
Retail investors account for 70 percent of the total market turnover in Taiwan. However, many Taiwanese high-net-worth retail investors withdrew from the market after the Ministry of Finance initiated talks about revisions to the capital gains tax early last year, he said.
Under the amendment to the Income Tax Act (所得稅法), the 8,500 point index threshold that automatically triggers the imposition of the capital gains tax on individual investors has been removed.
Instead, individual investors who sell more than NT$1 billion (US$33.3 million) in shares each year will be subject to either a 15 percent tax on their capital gains, or a 0.1 percent tax rate on any stock trades that exceed NT$1 billion, effective 2015.
"High-net-worth retail investors are now more likely to return [to the market] after the removal of the capital gains tax overhang and the TAIEX's recent corrections," Chang said.
The TAIEX gained 121.57 points to close at 7,784.80 yesterday, with a total of 2.49 billion shares changing hands on turnover of NT$90.43 billion, down 2.64 percent from NT$92.88 billion the previous day, Taiwan Stock Exchange data showed.
Foreign investors and Chinese qualified domestic institutional investors were the biggest net sellers of stock with NT$2.19 billion, followed by domestic proprietary traders' net selling NT$1.08 billion and domestic investment trust firms off-loading NT$167 million in shares, stock exchange data showed.
Strategists said a daily turnover of less than NT$100 billion and continued selling by major institutional investors indicated that the tax revision factor alone would be insufficient to lift the TAIEX further.
While the recently signed cross-strait service trade pact could be viewed as a long-term positive factor and the revision to the capital gains tax a short-term boost, the current market focus is on liquidity, William Dong (董成康), equities and research head of UBS Securities Taipei branch, said in a separate note.
Dong's remarks underline a concern in emerging Asian economies about the pressure of capital outflows due to the US Federal Reserve's plan to gradually scale down its quantitative easing program later this year.
"The question for investors at this point is what to do in a rising yield environment," he said.
With rising yield and liquidity uncertainty, the local market is likely to continue consolidation in the near term, UBS Securities said, while lowering its TAIEX target to 8,000 points from 8,650, which it set on May 20.
Among local shares, strategists said they favored financial stocks amid expectations of recovering earnings and increased cross-strait collaboration ahead.


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Alberton, MT
Best Parks and Camping around Alberton, MT
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Anaconda State Park
100 Smelter Road
Anaconda, MT
The old Anaconda Copper Company smelter stack, completed in 1919, is one of the tallest free-standing brick structures in the world at 585 feet. Th...
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Bannack State Park
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Come walk the deserted streets of Bannack and discover for yourself the realities of the "Old West." Bannack is the best preserved of all Montana g...
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Beaverhead Rock State Park
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Sacagawea, a young Shoshone Indian guide traveling with the Lewis and Clark Expedition in 1805, recognized this rock formation and knew that she ma...
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Beavertail Hill State Park
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Visit and enjoy Beavertail Hill! One-half mile of the park is located on the Clark Fork River that provides terrific fishing and floating opportuni...
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Big Arm State Park
28031 Big Arm State Park Rd
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Big Arm State Park is located on Flathead Lake, the largest natural freshwater lake in the western United States. Twenty-eight miles long and 15 mi...
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Black Sandy State Park
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Come, visit and enjoy one of the few public parks on the shores of Hauser Reservoir. Black Sandy State Park is an extremely popular weekend boating...
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Boyer Park and Marina
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About Us:- Located in Southeast Washington on the historic Snake River and Lewis-Clark Trail, are 80 acres of immaculate park and river area. Boye...
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Butte KOA
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Butte, MT
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Cherry Hill Park
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Coeur D Alene, ID
Hours: 6am - 10pm
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Clark's Lookout State Park
25 Clark's Lookout Road
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Clark's Lookout State Park is located above the Beaverhead River and is a place that provided the Lewis and Clark Expedition with a view of th...
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Coeur d'Alene Parkway State Park
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31732 S Mission Rd
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Day-use amenities Picnic areas, flush toilets, group use area, visitor center and gift shop, museum, handicap accessible, boat ramp ...
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Danny DeVito's split from wife Rhea Perlman was due to his wandering eye, RadarOnline.com reported Wednesday.
Well, he did spend a lot of time with Arnold Schwarzenegger on the set of "Twins."
The "It's Always Sunny in Philadelphia" star's wife of 30-years was finally fed up with the 67-year-old actor's flirty and inappropriate ways and gave him the boot.
Allegedly, the marriage has been on thin ice for a decade.
"He may not appear to be a ladies' man, but Danny certainly gets a lot of female attention," a source close to the family told RadarOnline.com.
He's famous and has money. Hello? This is still America, right?
"Danny can be quite the flirt and because of his powerful status in Hollywood, he's not ashamed to abuse his position and chat-up young, aspiring woman looking to make it in the industry.
"Despite his reputation as a lovable, funny guy in movies and on TV, Danny's actually quite the flirt and ladies' man. Like a lot of red-blooded males, if he sees an attractive girl in a coffee shop or walking down the street, he will give her the eye.
Not THE eye. Anything but THE EYE.
"After years of turning a blind eye to it, Rhea finally snapped. She had enough of his bad-boy behavior and wanted an end to their marriage," said the source. "The break-up has been on the cards for a long time, probably over 10 years, because they haven't been happy for a long, long time."
Perlman was seen running errands in Los Angeles Wednesday — sans wedding ring.
JANET JACKSON NOT SUBSCRIBING TO VANITY FAIR: Janet Jackson isn't happy with Vanity Fair.
The singer's attorney sent a scathing letter to Vanity Fair demanding a retraction of an article in the November 2012 issue.
The magazine article, which is an excerpt from Randall Sullivan's upcoming book, "Untouchable: The Strange Life and Tragic Death of Michael Jackson," claims Janet delayed her brother Michael Jackson's funeral until she was reimbursed for her $40,000 deposit to secure his plot.
Janet's attorney, Blair G. Brown, addressed a legal letter to Vanity Fair's Editor-in-Chief Graydon Carter saying the story is "false and defamatory."
"Ms. Jackson never delayed the funeral in anyway," Brown wrote in the letter dated Oct. 5, obtained by Us Weekly. "In fact, she paid for the funeral and was reimbursed for some of those expenses by Michael Jackson's estate in the year after the services took place."
"In addition, there were other private costs associated with Michael Jackson's passing that Ms. Jackson incurred and for which she has never sought reimbursement," he added. "To falsely accuse Ms. Jackson of holding up her brother's funeral over money is outrageous. This story is particularly hurtful and distressing because of Ms. Jackson's strong desire to serve her brother, whom she loved dearly, and the wish to stand with and support her family."
Does that include the ones she slaps?
Jackson was laid to rest on Sept. 3, 2009 at Forest Lawn Memorial Park, more than two months after his death.
LOHANS BRAWLING: Lindsay Lohan and her mother Dina Lohan apparently brawled early Wednesday morning, resulting in police being called.
And — shockingly — alcohol was likely involved.
Apparently the disastrous duo went to a nightclub in New York City on Tuesday night. They left the club about 4 a.m. and headed back to Dina's home in Long Island.
A source close to Lindsay said she and Dina started arguing in the car and it escalated when they got home. Things got physical, with Lindsay sustaining a cut on her leg. Allegedly, there was also property damage, including a broken bracelet belonging to Lindsay.
It's a good thing she has the skills to go steal another one, if necessary.
A source told TMZ Dina was "wasted" at the nightclub. The fight started when Lindsay wanted to take her limo to her hotel, but Dina wanted to take it to her home in Long Island, to avoid paying for a taxi.
Don't you hate it when you and your mother fight over where to take the limo?
Police took a domestic incident report. Sources said in one of the 911 calls, the unidentified caller said Lindsay was being held against her will by Dina and the driver.
BEYONCE PULLS OUT OF EASTWOOD FILM: Beyonce won't be in "A Star is Born" remake after all.
The singer, actress and mom, 31, has pulled out of the much-anticipated project, directed by Clint Eastwood, according to Variety.
"I was looking forward to the production of A Star Is Born and the opportunity to work with Clint Eastwood," Beyonce told E! News. "For months we tried to coordinate our schedules to bring this remake to life but it was just not possible. Hopefully in the future we will get a chance to work together."
They better hurry up. Clint Eastwood isn't getting any younger.
The film will be the fourth "A Star Is Born," about a singing female superstar who struggles to stand by her man, a fading, alcoholic actor. Janet Gaynor starred in the 1937 original, with Judy Garland and James Mason reprising it in 1954, and Barbra Streisand and Kris Kristofferson headlining a 1976 version.
Although names like Bradley Cooper, Leonardo DiCaprio, Tom Cruise, Christian Bale and Johnny Depp have been mentioned, a male lead has yet to be cast in the film, which was first delayed by Beyonce's pregnancy with daughter Blue Ivy.
Maybe they could get an incredibly talented chair.
Variety reported that Grammy-winning jazz singer Esperanza Spalding could possibly be cast as the leading woman.
BAM MARGERA APOLOGIZES FOR PUPPY PHOTO: Bam Margera has apologized for pointing a gun at his puppy in a Twitter picture.
The "Jackass" star recently tweeted "Penny pooped in my bed. If it happens again, Penny goes Bye Byes."
I hope this guy isn't someone's father.
Margera told the Philadelphia Inquirer the gun was a fake. In an interview with the paper at his Chester County, Pa., home, Margera said he was unaware of a rise in horrific animal-abuse cases in the area.
"I think those people need to go down," he said, adding he would've never posted the photo if he'd known about recent instances of abuse. "Just hurting another animal is rude, crude and more."
Margera said he doesn't own a gun and has only fired one at a clay pigeon at a sporting event.
"I feel like every follower I have on Twitter knows my 'Jackass' joking kind of humor," he said. He also pointed out that no one was up in arms over photos he posted of himself holding the toy gun to his friends' heads.
Still, he said "All press is good press."
Not if your last name is Lohan.
Margera's girlfriend, Nikki Boyd, said she was the real dog lover in the house and Margera is "the crazy cat person." Fortunately, Penny the pit bull, who has since been renamed Sunny, has a crate and, according to Boyd, is adapting well to training.
ROBERT PATTINSON SPOTTED WITH BLONDE WOMAN: Robert Pattinson was spotted getting cozy last weekend with an identified blond woman at a New York hot spot.
Pattinson, of course, has been reported as being officially back together with Kristen Stewart. Which means that he's not even allowed to think about other women.
Then again, they broke up because she cheated on him. So, like, doesn't he have a freebie coming?
The actor, 26, was fuzzily photographed in proximity to the blonde, leading to whispers they seemed "cozy" and "flirty."
No, I don't know who was whispering. So what? The Internet said so and the Internet is never wrong.
"He had his arm slung around her at one point, and they chatted for most of the night," a spy at the Electric Room tells the London Daily Mail. "They looked like they were having a great time, and the girl was making him laugh a lot."
Maybe she was telling Kristen Stewart jokes.
Pattinson reportedly hit the club with a handful pals in the wee hours of Saturday morning and proceeded to sit "really close" to the unidentified woman.
"He looked really happy and relaxed," adds the source, "like he didn't have a care in the world."
Money, looks, unidentified blond women … why would he have a care in the world?
Perhaps Pattinson was just exhaling from the drama that's surrounded him ever since Stewart's rendezvous back in July with her "Snow White and the Huntsman" director Rupert Sanders.
Contact Tony Hicks at firstname.lastname@example.com or on Facebook at www.facebook.com/BayAreaNewsGroup.TonyHicks.
Thursday is Oct. 11, the 285th day of 2012. There are 81 days left in the year.
1779: Polish nobleman Casimir Pulaski, fighting for American independence, died two days after being wounded during the Revolutionary War Battle of Savannah, Ga.
1811: The first steam-powered ferryboat, the Juliana (built by John Stevens), was put into operation between New York City and Hoboken, N.J.
1862: During the Civil War, Confederate forces led by Gen. J.E.B. Stuart looted the town of Chambersburg, Pa.
1890: The Daughters of the American Revolution was founded in Washington, D.C.
1910: Theodore Roosevelt became the first former U.S. president to fly in an airplane during a visit to St. Louis, Mo.
1932: The first American political telecast took place as the Democratic National Committee sponsored a program from a CBS television studio in New York.
1942: The World War II Battle of Cape Esperance began in the Solomon Islands, resulting in an American victory over the Japanese.
1958: The lunar probe Pioneer 1 was launched; it failed to go as far out as planned, fell back to Earth, and burned up in the atmosphere.
1962: Pope John XXIII convened the first session of the Roman Catholic Church's Second Vatican Council, also known as "Vatican 2." In 1968, Apollo 7, the first manned Apollo mission, was launched with astronauts Wally Schirra, Donn Fulton Eisele and R. Walter Cunningham aboard. The government of Panama was overthrown in a military coup.
1984: Space shuttle Challenger astronaut Kathryn Sullivan became the first American woman to walk in space.
1986: President Ronald Reagan and Soviet leader Mikhail S. Gorbachev opened two days of talks concerning arms control and human rights in Reykjavik, Iceland.
1992: In the first of three presidential debates, three candidates faced off against each other in St. Louis, Mo. — President George H.W. Bush, Arkansas Gov. Bill Clinton and businessman Ross Perot.
2002: The Senate joined the House in approving, 77-23, use of America's military might against Iraq. Former President Jimmy Carter won the Nobel Peace Prize. A man was shot to death at a gas station near Fredericksburg, Va., in the latest slaying by the Washington-area sniper. A chain reaction crash on a foggy interstate near Cedar Grove, Wis., killed ten people and injured 40 others. A teenager set off a homemade bomb inside a crowded mall in Vantaa, Finland, killing himself and six others.
2007: Cold medicines for babies and toddlers were pulled off shelves amid concerns about unintentional overdoses. Briton Doris Lessing won the 2007 Nobel Prize in literature. Werner von Trapp, a member of the musical family made famous by the musical "The Sound of Music," died in Waitsfield, Vt., at age 91.
2011: Presidential challenger Mitt Romney accused President Barack Obama of failing to lead in a time of economic peril but sounded less conservative than his Republican rivals in their debate in Hanover, N.H., defending the 2008-2009 Wall Street bailout and declaring he could work with "good" Democrats.
Author Elmore Leonard (87), former U.S. Defense Secretary William Perry (85), actor Ron Leibman (75), Pro Football Hall of Famer Steve Young (51), actress Joan Cusack (50), rock musician Scott Johnson (Gin Blossoms) (50), actor Sean Patrick Flanery (47), College Football Hall of Famer and former NFL player Chris Spielman (47), actor Luke Perry (46), actor-comedian Artie Lange (45), actress Jane Krakowski (44), rapper U-God (Wu-Tang Clan) 42), rapper MC Lyte (41), actress Emily Deschanel (36), actor Matt Bomer (35), actress Michelle Trachtenberg (27), golfer Michelle Wie (23).
Associated Press


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2014 Parents Empowerment University
NEWTOWN -- Newtown mom Barbara Toomey got a refresher course in positive discipline techniques Saturday at Newtown Middle School along with some 100 other parents.
The seminar she attended was the 2014 Parent Empowerment University, with talks and break-out sessions offering positive discipline guidelines.
"A lot of it I've heard before," said Toomey, the parent of two teenagers, "but putting it consistently into practice is the hard part. Everytime I hear it again, though, it gets reinforced in my parenting."
The keynote speaker Saturday was Jane Nelsen, a child counselor in South Jordan, Utah, and San Clemente, Calif. Nelsen is the author of several books, including co-author of a series, Positive Discipline.
"My goal is to help parents be more effective in interacting with their children," Nelsen said. "When I was raising my own children, I wanted to be a great parent and studied child development and family relations. I was influenced by Alfred Adler and Rudolph Dreikurs."
Nelson presented an interactive workshop Saturday, "How to Empower Your Children & Yourself."
Through using the techniques offered, Nelsen said, parents can mitigate issues involving spoiled children, bullying, school violence, power struggles and other forms of disrespect.
She outlined the five criteria for positive discipline: Be kind and firm; teach belonging and significance; tools that work long term; valuable social and life skills and to help children develop a sense that they are capable.
"Using positive discipline helps children believe `I am capable. I can do many things,' " Nelsen said. "We need to let our children suffer the results of their actions.
"Through that process of learning in a supportive atmosphere, they will think more about what they did and learn that they are capable of figuring out how to fix what happened," Nelsen added.
There were several "no" factors in Nelson's philosophy. No punishment. No pampering. No rescuing. No punitive time. No more logical consequences.
"At least hardly ever use logical consequences," Nelsen said. "I used to advocate for them, but what was happening is too many times logical consequences are used to disguise punishment."
Nelsen said "focusing on solutions" is more effective. Children then "learn for the future."
Parents should help children explore "what's in it for them' in finding a solution to a negative situation, Nelsen said, and then, help them find what they can do to accomplish a resolution.
"We want to help parents who are feeling so pressured and stressed, who are experiencing anxiety post 12/14 (Sandy Hook shootings)," said Donna DeLuca, co-founder of the Newtown Parent Connection Inc.
"As a trained parent educator, I know that putting a positive spin on issues that are challenging and difficult for parents to handle helps their perspective," DeLuca said. "It helps them succeed."
Parent Empowerment University was a collaborative venture between Newtown Parent Connection Inc. and Brookfield CAREs.
email@example.com; 860-355-7322


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Touch # Spire 3
Download only
2 tracks - 30 piece teenage choir and organ
Track Listing:
1. Hover 19:29
2. As Is 8:07
"I work at a high school library here in Portland, Oregon. Once a week there's a choir class and occasionally I will poke my head in to hear the fantastic sounds of the kids singing. The singing can be a bit rusty mainly due to the shyness factor in their young voices and the reluctant learning of the music notation from the choir teacher. I really liked hearing that rough-awkward singing from the kids and it remind me of myself being in a choir as a little kid and remembering how much I HATED IT! Mainly because I didn't understand music notation... nor did I want to and also I was incredibly shy just like these kids.
Well anyways I'm always thinking of ways to get young folks to have fun with sound and such and also I had an idea to use these fine choir students for a recording utilizing their awkward singing sounds. My strategy for the kids was vowels because every kid knows vowels! A-E-I-O-U and just sing those letters as long as possible is what I will instruct the kids to do. I mentioned to the choir teacher that I will be coming in and taking ten minutes of the student's time to record them for a recorded composition and the teacher approved with this idea but she was also very confused. How can I be a known recording musician and not know about music notation such as 'flat C or sharp D' or whatever that jargon is. I told them... "Don't worry... kids will have fun and it'll sound fantastic." And so I barged into the classroom and hit record on my little recorder and began the vowel singing game with the kids. The sheer state of confusion on their young faces was rather beautiful and the singing was fantastic to my ears. I noticed immediately that they couldn't get the low sounds very well because well… they're kids and baritone sounds just aren't in the picture yet for them. So I utilized a Hammond organ for the bass sounds for the final piece of music titled "HOVER�.
Included is the raw unedited "as is" recording document of myself having fun with the kids and getting sounds out of them for this "HOVER" recording. This raw recording has a charm to it of the kids being confused and having some fun. Teenage cathartic-ism to say the least. The look on the choir teacher's face when I had everyone screaming in different vowels was priceless. I can see her facial expression screaming at me "Music notation blasphemy!!!"... I respond back "Yep, sure is and now look at all the smiles on our kids faces."
Further information/reviewsFor more information, please visit this product's webpage.
Track 1: Hover


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Hundreds Get Look at Career Pathways at Nashoba Tech
WESTFORD -- Hundreds of prospective students and their parents, as well as interested residents, visited the recent Career Night and Open House at Nashoba Valley Technical High School.
The evening, which featured tours of all 18 of Nashoba Tech's technical programs as well as a concert by the band and chorus, also included visits by special guests Sal Lupoli, owner of the Sal's Pizza and Salvatore's Restaurant chains, and Steve D'Onofrio, director of photography for the popular PBS show "This Old House."
D'Onofrio spoke to students and prospective students in Nashoba Tech's TV & Media Production/Theatre Arts program, as well as other interested people, while Lupoli spoke to folks in the in-school restaurant, The Elegant Chef, about his path to culinary success -- and he judged a pizza contest for budding chefs in the school's Culinary Arts program.
After telling those assembled in the restaurant how he went from a single pizza restaurant in Salem, N.H., to a culinary craze, with more than 40 Sal's Pizza locations and five Salvatore's Italian Restaurants, Lupoli, a lifelong Chelmsford resident, dug into six pizzas made by students.
After providing invaluable critiques of each of the pizzas and grading them on taste, appearance and creativity, he selected the pie made by Ian Henry, a junior from Chelmsford, as the best of the bunch -- but not before telling all six student-chefs, "Any one of you could walk into one of my stores and make pizza."
During the Open House portion of the evening, prospective students and their parents could tour the school, talk with teachers, and see what the school has to offer.
One such prospective student is John Schottler, who visited the school with his parents, Paul and Deb Schottler of Acton.
John is a freshman at Parker Charter Essential School at Devens who is thinking about transferring to Nashoba Tech, and liked what he saw in the automotive collision repair & refinishing and the carpentry & cabinetmaking programs.
"I'm just checking it out," he said. "It's more hands-on, and I like that."
Also visiting were Derek Pinkerton, a seventh-grader at Nissitissit Middle School in Pepperell, along with his mother, Michelle, and sister, Sabrina, who is a junior at Nashoba Tech.
Though he has a year left in middle school, Derek is already weighing his options for high school, and is particularly interested in the electronics/robotics and engineering technology programs.
In addition to automotive collision repair & refinishing, carpentry & cabinetmaking, culinary arts, electronics/robotics, engineering technology, and TV & media production/theatre arts programs, Nashoba Tech offers automotive technology; banking, marketing & retail; cosmetology; dental assisting; design & visual communications; early childhood education; electrical technology; health assisting; hotel & restaurant management; machine tool technology; plumbing & heating; and programming & web development.
Nashoba Publishing · May 30, 2014 · Nashoba Publishing · Original Article


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The technique belief is responsible for the malfunction of the majority of companies in accordance with Tony Robbins in the White Document, Way of thinking More than Marketing. Regrettably, most can be entrepreneurs are doomed to fail since they don't truly understand what it requires to achieve success. They comply with standard considering and place their believe in within the strategy fantasy, he claims. A charged life
- Simply being the obsessive and (during those times) perfectionistic sort, I had to generate an.
- I quickly realised when I explained my individuals how to feel they then experienced the tools not just.
The approach fantasy is based on the concept that the fundamentals of economic can be a awesome item, an excellent target market, along with a well published business strategy. This can not create lasting achievement states Tony, the good results professional. While strategy is necessary, business people very first need to create the real foundation of entrepreneurial success; eyesight, passion, and attitude.
Good results professional While strategy is
Anthony Robbins is actually a control and optimum overall performance expert and the man is applicable the 80/20 guideline to the research into achievement. He states that in nearly every scenario, 80 percent of accomplishment is caused by mindset-attitude, beliefs, and sensations-and simply 20 percent is a result of technique or activity.
Expert and
See, I informed you Tony Robbins confirms with me. This is certainly something I harp on about on a regular basis. Attitude, state of mind, attitude. Tony and I don't come around this from the identical viewpoint, although. I've in no way observed him talk about the Law of Appeal, and I'm unsure if he subscribes on it or not. Mike Dillard
Regardless of whether you think in the LOA or not, like I do, one important thing is definite. Anybody who will make a research of accomplishment would need to concur that attitude is really a factor in success, irrespective of what the actual explanation is.
Important thing is definite Anybody who
If that is the situation then, exactly why do so few company owners basically location very much focus on thinking or have any significant concern? Maybe due to the fact considering that the development of the Technological Age, we have centered our values on evidence, about the definite, of what we could see and touch. State of mind or considering is sort of ephemeral. It can't be observed or examined which is challenging to determine.
On evidence about
Mindset is an inner exercise and education and particularly organization schooling and even all kinds of knowledge are external kinds like details or information. We could management and assess exterior procedures like balance sheets, enterprise plans and methods. Just how can we instruct and assess pondering? How could we examination values and class consequently? The fact is we can't because our understanding of attitude remains typically theoretical. Digital economy
Being a High School Graduation educator, I was appalled at the lack of desire for considering like a issue even among the instructors, and so i was appalled with the initial results my college students obtained using the traditional info based training that I had been taught to use.
Lack of desire for considering like a
Becoming the obsessive and (during those times) perfectionistic type, I needed to create an approach that might accomplish better results. Unfortunately, nearly all of my British and Interpersonal Scientific research college students just didn't 'get' the best way to evaluate a topic, composition a response and publish a highly effective essay, something which I was able to do effortlessly. So, I questioned personally, 'What procedure does my brain go through to get this task successfully?'
College students just didn't 'get' the best
I swiftly realised that when I taught my individuals the way to think they had the tools not just in compose essays, but to comprehend the problems involved in any selection action. The results were actually unbelievable as well as the improvement in performance enticed the eye of the administration. Very long story, but were actually my attempts to train the instructors this procedure recognized and integrated into the school course load? Absolutely not, because Bertrand Russell was appropriate when he mentioned, 'Most individuals would rather expire than consider,' and this includes professors. Wayne Dyer
- Anthony Robbins is a authority and maximum performance specialist and the man can be applied the.
- Whether you feel inside the LOA or perhaps not, like I truly do, one.
- Being a High School trainer, I.
- Awaken the giant within.


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Long before he became a Grammy-winning songwriter and hip-hop music mogul, before he reached millionaire status and before he began to hobnob with the likes of Oprah, Nelson Mandela and Barack Obama, Kevin Liles was a kid growing up in a West Baltimore rowhouse.
"My parents were teenagers. My [biological] father left when I was 2," said Liles, 45, who lived in his grandparent's rowhouse on Presstman Street before the family moved to Baltimore County. "But no matter where you are in life, God can give you the foundation for something greater. Especially if you're willing to work hard and be open to new experiences."
That message of working hard to build on a foundation toward something greater is one Liles tries to spread wherever he goes — especially to young people. A graduate of Woodlawn High who parlayed an unpaid internship in the 1990s into an entertainment career as the president of Def Jam Records, he has helped guide the careers of Jay-Z, Mariah Carey, Kanye West, LL Cool J and others whose names have become part of the popular vernacular.
Today, Liles is a global entrepreneur and philanthropist. For years, he and his family have provided college scholarships and other opportunities to young people from his hometown as well as across the country.
In July, Liles' Make It Happen Foundation hosted its annual Summer Business Academy for economically disadvantaged high school students on national college campuses, including Morgan State University, where Liles studied engineering before leaving to pursue his music career. During the two-week academy, participants learned business fundamentals, met industry experts and participated in a business plan competition.
Later this month, the Kevin Liles for a Better Baltimore Foundation Inc. kicks off its second annual Back to School Festival from noon to 4 p.m. Aug. 24 at Security Square Mall. Children and their families will receive free backpacks loaded with school supplies, electronics, gift cards, coupons and other goodies.
"Last year, we made history by handing out 2,000 backpacks. This year, we're on target to give away 5,000 to help students prepare for the school year," Liles said. In addition to his philanthropic efforts, he is CEO of KWL Enterprises, a talent company he launched in 2009 after leaving his post as executive vice president of Warner Music Group.
Based in Manhattan, Liles' company is anchored by KWL Management, a talent and brand development firm that oversees a client roster of musicians, athletes and other glitterati — from British singer Estelle and R&B crooner Trey Songz to Victoria's Secret model Selita Ebanks and NASCAR driver Darrell Wallace Jr.
Liles also scored big as a producer of the Broadway play "The Trip to Bountiful," which is having a successful run and recently garnered a Tony Award for lead actress Cicely Tyson.
"It's been a great whirlwind," Liles said of his various endeavors, which include a range from telecommunications to online education. "I love the freedom of being able to explore different projects that I'm passionate about."
Right now, he is focused on making the charity back to school festival a success.
In keeping with first lady Michelle Obama's "Let's Move" campaign to encourage fitness and better nutrition for America's youth, the festival is promoting health, wellness and access to community resources. For instance, the Baltimore County Health Department will provide free immunizations; the Maryland Food Bank is donating 30,000 pounds of fresh produce; and career guidance and local community college representatives will be on hand. Kids can even get free haircuts.
The festival has elicited support from a host of elected officials, including Baltimore County Executive Kevin Kamenetz and Baltimore County Schools Superintendent S. Dallas Dance.
"We are honored that one of our graduates — Kevin Liles — is supporting our students," said Dance, who will join Kamenetz in serving as a co-host. "We expect the festival to help [us] raise excitement about the upcoming school year, share useful information … and showcase the dedication this community has to educating all students for success."
The event is open to elementary through high school students, with an emphasis on attracting low- to moderate-income families who live in Baltimore County. Organizers explained that while Baltimore City has its share of charitable school giveaways, there haven't been many large scale efforts in the county.
"The [county] school system sent out letters to families, and the [local] Department of Social Services was also notified," said Yolanda Winkler, director of Government Affairs for Baltimore County, who has worked closely with the Liles camp. While the event is county-focused, "no one will be turned away," and backpacks will be dispensed on a first-come, first-served basis, she added.
Liles believes his work with young people is not only about providing material items such as school supplies, but also tools for life. As someone who has had a Baltimore block and the stadium of his alma mater named in his honor, he wants young people to know they can achieve their dreams, too.
"Kids will say to me, 'Kev, I need a chance.' I tell them to push themselves, make new friends, do different things — sometimes it may feel uncomfortable. But that's how I kinda found my way. Keep your eyes and heart open to define your life."
Latest Features
The second annual Back to School Festival is Saturday, Aug. 24, from noon until 4 p.m. at Security Square Mall at 6901 Security Blvd. Parents are asked to bring immunization records for free vaccines. For more details, go to the Kevin Liles for a Better Baltimore Foundation, Inc. at lilesforbaltimore.org.


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(Elite) Eight Tuesday Scribbles…Posted by zhayes9 on February 23rd, 2010
RTC contributor and bracketologist Zach Hayes will deliver permeating thoughts every week as the season progresses.
This week's Scribbles column will take on a new twist- which eight teams I'd select to reach the four regional final games in late March. Now, I realize individual matchups within the bracket will determine the fate of these teams, but these are the eight clubs I feel like have an excellent chance of winning three games to reach the Elite 8 regardless of the teams that stand in their way. Some of these teams are the favorites, those expected to reach this level or their season will be labeled a colossal disappointment. The others are mild sleepers that certainly have the capabilities to make a serious run. Without further ado:
1. Kansas– One screaming commentator keeps telling me there's not one clear favorite heading into March Madness this season. There's no one team that stands above the rest akin to last year's North Carolina entering the field as the favorite to hoist the championship trophy on that Monday night in April. This claim continues to baffle me for two reasons: 1) North Carolina was NOT the clear favorite to win the national championship last season. They entered the NCAA Tournament coming off a semifinal loss in the ACC Tournament to Florida State and were chosen as the #3 overall seed in the Dance behind Louisville and Pittsburgh. They were also dealing with question marks around Ty Lawson's playing status. For a sample, I checked back to the NCAA Tournament pool I conducted last season and North Carolina was picked to win it all less than both Pitt (the most frequent) and Louisville. Even though the Heels featured the most pure talent, let's put an end to this false claim. I also vehemently disagree that one team doesn't stand alone this season ahead of the pack. To me, Kansas is the clear cut #1 favorite to win their second title in three years. Bill Self has the second most efficient offense and the third most efficient defense. He's slowly but surely cut down his rotation and found a perfect balance. Most great teams start with a dominant point guard and center and Self has both of those covered. Even the enigma known as Tyshawn Taylor received a jolt from a surprising start by Self last Saturday and responded. I haven't even mentioned the scorching hot Xavier Henry. The Jayhawks are an obvious Elite 8 team.
2. Kentucky– If any team can hold a candle to Kansas at this stage of the season, it's Kentucky. The Wildcats have matched Kansas' road triumphs in the Big 12 with impressive wins away from Lexington against Florida, Mississippi State and Vanderbilt. John Calipari has blended complicated personalities to perfection and found the ideal concoction to finally win a national title. I mentioned Kansas has a tremendous starting point with Collins and Aldrich; they're actually topped by the inside-outside duo of John Wall and DeMarcus Cousins. Wall has emerged from a mid-season turnover slump to play more like the December John Wall the entire college basketball world fell in love with. He's absolutely deadly in transition and continues to make clutch plays down the stretch. Cousins will be the single most difficult player to guard in the entire NCAA Tournament, evident by his top-five rank in fouls drawn per 40 minutes. He has guard skills in a 6'11 body and is the most effective rebounder in the nation. The real question is if Kentucky can play a halfcourt game against the likes of Purdue and West Virginia should they run into either team. The Wildcats are much more ordinary than spectacular when they play a game in the 60s and are forced to settle for outside jump shots. Still, this team has the goods and the talent to reach a regional final.


text: These days, there's a good chance that a young mom or dad will point at Peter Yarrow and tell the kids, "That's Puff the magic dragon's daddy."Maybe, even, granddaddy. It's been nearly half a century since Peter, Paul and Mary, the now famed folk trio, were brought together by Albert Grossman, founder of Chicago's Gate of Horn.And soon after — in 1963 — they were performing in front of hundreds of thousands gathered in the name of civil rights on the National Mall for the historic March on Washington.Yarrow, who turned 72 last month, is still touring. He will appear with Paul (full name Noel Paul Stookey) July 20 at Ravinia in "a tribute to Mary Travers and 50 years of music & friendship." Travers died at 72 last September.But more often these days, Yarrow plays the guitar at children's singalongs at bookstores that carry his "Peter Yarrow Songbook" series with its accompanying CD. His latest, the fourth in the series, is "The Peter Yarrow Songbook: Songs for Little Folks" ($16.95, Sterling). It includes words, music and a history of classics such as "Old MacDonald Had a Farm" and "Mary Had a Little Lamb."It's at these smaller gatherings, of children and their parents, that the kids learn that they're meeting the man who brought them Puff the dragon (a favorite from an earlier Yarrow book). "The kids go, 'Oooooh. I love that song.' Which is very sweet," Yarrow said in a phone interview.Yarrow sees these mini-concerts as a crusade, not unlike singing for civil rights and against the Vietnam War that were the essence of those Peter, Paul and Mary performances in the 1960s."This is a nation that needs to educate its children, not only their intellect but their hearts and souls," he said. "We've become a nation that delights in seeing people humiliated. We see bullies in elected officials, bullies in corporations. … Children now see adults acting that way, and those are their role models."My feeling is that one of the things that can bring us back to being a nation with a full heart is to educate our children, and one of the aspects of their education is the arts, particularly music," said Yarrow, who founded Operation Respect (), where many of the children's songs can be downloaded for free.Yarrow is still easily wound up on the subject of politics (against the policies of former President George W. Bush, rhapsodizing over the virtues of President Barack Obama). No slow drift to the right that often comes with age? "Not in the least," Yarrow proclaimed.It was almost impossible to get a question in as he monologued on the state of the world. But, finally, as he took a breath, he was asked how many albums he'd performed on. "I have no idea and no interest whatsoever in knowing how many albums are sold," he railed."You get a real sense of what's important if you sing in a hospice, as I do. What are people talking about? Their jewelry or their big home? What really matters is not power, fame, money. It's who we love, who we serve."People want to be loved and honored, and it's all in 'Mary Had a Little Lamb.'"Singing now, in his well-worn voice, "'Why does the lamb love Mary so?' the eager children cry. ''Cause Mary loves the lamb, you know,' the teacher did reply."email@example.com


text:
PCP question
Home › Forums › Car finance › PCP question
This topic contains 43 replies, has 3 voices, and was last updated by Stuart Masson 1 year, 4 months ago.
– none –Member
Suppose I buy a new car worth £9000 with PCP.
I put down a deposit of £3000
I make total monthly payments of £3000.
I now owe £3000.
If the seller says the minimum guaranteed value will be £4000, I can pay off the remaining £3000
I now have only £1000 for a deposit on a similar car. (at the same price £9000 to simplify matters)
I make total monthly payments of £3000
I now owe £5000
Minimum guaranteed value £4000
I now owe £1000 on the second car and have no deposit for the third car
This is not a sustainable situation for buying successive cars with PCP.
Can you explain?
Hi Mike,
Firstly, you need to consider that your car will always depreciate. If you pay £9,000 cash up front for a car, and in three years time it is worth £4,000 (based on the Guaranteed Minimum Future Value being offered by the finance company in your example), then it has cost you £5,000 in depreciation which you have paid up front when you bought the car. With a PCP, you are largely paying the depreciation as you go, so instead of paying £9,000 for the car, you have pay a deposit and then monthly payments to cover the predicted depreciation. At the end of the agreement, if the car is worth more than the GMFV, you get some of your money back. If the finance company has got their sums wrong and the car is worth less than the GMFV, they lose as they still have to settle that figure even though it is not worth that much.
Secondly, your assumptions are slightly off. Using your example, the car cost £9,000 new and the Guaranteed Minimum Future Value at the end was £4,000. These are basically two fixed points, and you are financing the depreciation between them of £5,000. So you are not paying off £6,000 (£3,000 deposit and £3,000 in monthly payments) as you have suggested, but £5,000 (say, £3,000 deposit and only £2,000 in monthly payments). At the end of the agreement, the GMFV is £4,000, and this is the figure you would have to pay if you wanted to keep the car or settle if you part-exchange it.
If we assume that you have £1,000 equity in the car at the end of the agreement (ie – the car is worth £5,000 and the GMFV to be settled is £4,000), then you can use that towards your next car but you can also add more deposit next time around, which you have not done. You have assumed no additional deposit beyond the equity for the second car, when for the first car you were putting in £3,000 up front. So for the second car, you would be financing more of the depreciation value than you did the first car (assuming the GMFV is the same again at £4,000), so you would be paying monthly payments to cover £4,000 this time, not £3,000 (ie – your monthly payments would be higher).
Remember with a PCP that you are effectively financing the depreciation, rather than the whole car. You can choose how much you put in up front and how much you pay monthly, but what you are paying off is the depreciation value (plus interest and fees) rather than the cost of the whole car. So if the car costs £9,000 and has an end value of £4,000, a PCP is financing the £5,000 of depreciation while a Hire Purchase (HP) – or buying the car with cash – is paying off the whole car.
Let's assume that the GMFV is accurate, and the car is worth £4,000 at the end of the finance period. With an HP, you pay off £9,000 (plus interest and fees) and get £4,000 back again at the end if you part-exchange or sell it, so your net spend is £5,000 plus the interest & fees. With a PCP, you are only paying off the £5,000, so you get nothing back at the end. The end position is the same, but you have got there in a different way.
Hope this helps,
Hi Staurt
I have a similar question to Mike, I am looking at PCP for a used car worth £20k, the dealer has informed me that I pay 14k over three years with GFV of £10k.
If I was to buy the car outright for £20 k and in 3 years sell it for 10k (asuming that the value is correct and I cant get any more) I will have lost 10k.
But if I was to do PCP I am losing £14k over the same period. Now I know rate of interest on the money I have borrowed is taken into account but still I dont understand how PCP work out.
On the other hand if I was to go for a brand new car worth £30 k on a personal Lease deal I pay the same £14 k over 3 years with no option to buy.
My dealer says they are different products, can you shed some light .
Hi Mo,
Firstly, your numbers for the PCP are correct in principle, although the £4K in interest & fees does seem a little high. Your cost of financing is effectively £4K over the cash equivalent.
Secondly, the lease option is a different product. It is effectively a rental for three years, with the car always belonging to the leasing company rather than you, which is why you only have the option to give it back and not to keep or sell it. Make sure they are quoting prices including VAT when they talk about leasing.
Not sure what cars you are looking at, but manufacturers' own finance offers will always be far better on new cars than they are on used cars, as the manufacturer would much rather you buy a new car than one they built a couple of years ago. So effectively they forgo profit from their finance company to help sell the new car. With a used car, they are effectively only offering you a market rate rather than a subsidised rate.
Is GMFV added on your settlement figure.
Hi Sharon,
No, the GMFV (Guaranteed Minimum Future Value) is equal to the settlement figure at the end of the agreement. If you are settling early (e.g. – 2 years into a 3-year agreement), then the settlement figure will be greater than the GMFV. stuart.
– none –Member
I too have a similar query and want to understand which option is better –
e.g. I purchased a car for £25k and my final bubble is worth £14k after 3yrs. So I can either pay £14k and own the car or else give it back to the dealer and go for a new car. I can put the £14k towards the new car and the final bubble comes to around £19k after 3yrs.
Question is – is it better to own the current car or else exchange to a latest car at the end of each 3yrs term?
Thanks Sid.
Hi Sid,
Not quite. Yes, you can buy the car for £14K, but if you part exchange it or give it back, the car is equivalent to the payment of £14K, so you won't get any money back. The finance agreement is then closed off, and you start again with a new agreement.
There is no right or wrong answer as to whether it is better to buy out your current car or change it; it comes down to what you want to do with your money. PCPs are popular because people generally do want to change their cars every three years or so.
Hi, I'm thinking of taking out a pcp agreement, using my current car as a deposit. I am thinking about my options in 3 years time and wondering whether there is normally a minimum deposit if I give the car back and take out another agreement. Obviously this time my current car raises the deposit but I'm concerned as to how much I will have to raise in 3 years, especially if there is no equity in the car I give back.
Sijin Varghese
Hi Sam,
When you give back the car after 3 years without any damages then they wont ask you to pay off the balloon amount. And what you put as desposit is completely upto as the higher the deposit lower the monthly payment.
I had recently exchanged my car under the same.
Personally, if you think that you are going to change your car after 3 years then would recommend for lease option coz that will be cheaper.
I wanted to buy a 3 year old BMW 1 M Coupe on PCP. The new price of these was £40k and amazingly the used price for a 20-30k mile car after 3 years is still £40K! Not so great though is when I asked BMW finance and Oracle finance they both told me that the GMFV after a further 4 years and 30k miles was only £11K !!
My question is are there any finance companies that take a more 'real world' approach to the GMFV?
Most people in the industry tip this car to increase in value further still rather than depreciate.
Hi Mark, sorry for not replying sooner. The prices being asked for used 1M coupes seem crazy, so I'd be very wary of buying one at that sort of money. They may become a future classic eventually, but the people paying over the odds now are going to get hit hard when the depreciation eventually kicks in. Short term they will lose a lot of money and then potentially recover it longer term. Even a 3-year old Ferrari 250 GTO was worth a lot less than its new price – but if you were happy to wait for 50 years then you would have made a £20 million profit ;)
hi I purchased a smart car from mercedes dealers on fri 19th september 2014 , i had bought this car on pcp and not had a test drive, after my partner drove the car the next day it has come to our attention that the car does not have power steering it is very difficult for my partner to do a u-turn and turning into streets and also difficult to park the car.
I have been in touch with the dealer and notified this matter and they have said we cannot do anything now because the car is registered at dvla in your name and you cannot return the car as we don't have another smart car which has a power steering.
can you please advise me what are my rights in this matter to change this vehicle to a power steering smart car
Hi Iky. Have you taken delivery of the car? If not, you can cancel your order – you could potentially lose your deposit but there's not a lot else they can do about it. Have a read of this article about changing your mind after buying a car.
Have you signed the PCP contract? If not, don't sign it. If so, write/e-mail Mercedes-Benz Finance to cancel the finance while you are still within your 14-day cooling-off period.
I bought a car for 12000 had it 2 years made all the payments and then bought another car for cash. there was still 2 yrs left on finance and only 5000 still to pay. so instead of trying to sell it I gave back to the finance company to clear the 5000 and get a bit back I was too busy working to sell it myself. they sold the car for 3000 and a week later I saw it for sale at 9000 they now want the difference this has got to be fraud plz help
Hi Wayne. I'm sorry, I don't understand what you mean. If you gave the car back to the finance company (voluntary termination), then that concludes the agreement. What they do with it afterwards is none of your concern.
The usual practice for a voluntary termination is that the finance company will sell the car at auction, where it will be bought by a dealer who will then sell the car onto another customer – and it sounds like that's exactly what's happened here. What I don't understand is who is chasing you for money and why.
Ann McCabe
We have been offered a new car for £11000 cash plus our present car as part exchange. Unfortunately this was a little more than we wanted to pay. The sales person has suggested we buy the car using pcp finance from the dealership which would allow us to receive £500 extra off the cost of the car, making it £10,500. The figures he has provided would mean we would pay exactly £10500:- 41 payments of £116.01 plus a balloon payment of 7042.50 minus a cash back payment of £1298.91 (as we can only pay 30% deposit and our present car is worth more than that). It seems like a better deal to us than paying cash but are we missing something.
Hi Ann. For those numbers to add up, it would have to be a 0% APR deal, which may be true – in which case that's great.
Check the finance quotation, which should show the APR (annual percentage rate), total interest payable and the price of the car. Also check the manufacturer's website to make sure that there are no better offers available that you weren't told about (it happens).
I bought my Mini Cooper at the end of June 2013 on a 4 year PCP deal. Earlier this year I looked into a new car and have since bought it with it arriving early March. Looking at my options, the best deal was for me to VT it and by March my PCP deal will of reached 0 with maximum £50 to the good.
I booked my car in for a service today and was informed my car now needs new brake pads and disks totalling £550 which I cannot justify paying since I will be giving the car up in just a few weeks time. Will I be penalised for this on handing the car back?
My next issue is mileage. On taking the car on I was working near home so agreed to 8000 mileage per year, however my circumstances have since changed and I am currently sitting at 35000 miles over 2 and a half years – will the mileage be a total of 8000 miles X 4 years totalling 32000 or will the mileage be calculated over the 2 and a half years X 8000 miles?
I also have a very small dent to one side of the car and a slight scratch on the other due to other drivers, how is this usually dealt with on handing the car back?
Hi Nicola,
The finance company will charge you for any visible damage, so the dent and scratch will probably attract their attention. The brakes are much less likely to be noticed, as they will not be removing the wheels to inspect the discs and pads.
There is considerable debate on excess mileage. The prevailing belief is that the finance company cannot charge you anything for excess mileage on a VT, but they will almost certainly try (working on a pro-rata basis, so roughly 15,000 miles). For more information, have a read of our article on voluntary termination.
Michelle B
I have signed a vehicle order with Audi in 2nd week of December. The car is coming in 2 weeks. I want to cancel the order. The salesman says it's too late. I have not yet signed the pcp paperwork.
Am I legally bound by the order form? Can I cancel?
Hi Michelle. Yes, you are legally bound by the order, so you will need to negotiate with the dealer to cancel it. Usually this will mean losing your deposit. Have a read of our article about cancelling a vehicle order.
Michelle B
Thanks Stuart. The car is not in the garage yet. Not for another 2 weeks. I don't mind losing my deposit. I emailed to say I want to cancel the order but the sales man is ignoring my email.
Michelle B
The salesman will probably continue to ignore your emails. You will have to speak to someone more senior and explain your position (sales manager or general manager/dealer principal). You will need to call them and then follow up in writing, but they are still unlikely to give you an easy time and legally they don't have to.
They could try to enforce the contract, but it's usually not worth the hassle. It would cost them money to start legal proceedings, and all they are going to get is a very unhappy customer who is likely to cause them trouble at every opportunity. They are far more likely to agree to allow you to cancel the order in exchange for keeping your deposit (unless you ordered something very specific that they don't want to be stuck with, like a brown car with purple interior or something).
Thank you!
So am I best to get any visible damage fixed? The dent is very small due to being hit by a trolley in a super market car park and a very small scratch to the year. I can imagine they will charge a large sum to fix it!
Where do I stand with the excess mileage?
Generally you should get any visible damage repaired, as the finance company could end up trying to charge you far more than a fair price for the damage.
For excess mileage, as previously advised they will probably try and charge you for it but there is no solid legal basis for that – have a read of our article on VT.
I have a car on 3 year PCP which I believe will have about £1200 excess miles fee at end of term. I am 2 years into term and looking to change my car. At moment part ex value is about £2000 below settlement figure. This suggests there is an advantage in going to the end of the term as the GFV will mean even if you are over the miles the "penatly" will be less. Does the GFv only apply if you change on the very last day of the PCP deal or can you chnage a bit early. As you can see I want to chnage car but seems waiting might be better!
Secondly does it make any difference whether you go back to the same brand or buy a different one.
Thanks very much.
Hi Mark. The GMFV only applies at the end of the agreement.
You can choose any brand you like for your next car – your finance agreement is with a particular finance company, and all they want is for the agreement to be settled – either by returning the car or by paying out the balloon/GMFV amount. If you part-exchange the car, the dealer will pay the settlement and sell the car. If you want to sell the car yourself rather than giving it back, you will need to settle the finance.
Have a read of our article about how PCPs work, as well as our article about settling a PCP early.
Thank you very much. I think that means I had better wait until end of PCP or will take a bit of a hit. pity as had seen a nice car!
Thanks again
Could you explain a bit about VT. i know you have to have paid half but half of w
My car was £24 K with £4k deposit and GFV of £11K. That would mean I would never pay of 50%.
is that correct?
Thank you very much
Hi Mark. If your car was £24K, your total amount payable will be a minimum of £24K (assuming 0% APR). Assuming you have interest and fees to pay, the total amount payable will probably be about £26-28K. This would mean your VT point would be £13-14K.
For more info, have a read of our article about voluntary termination.
Thank you. This is a very good website
I hope this is correct place to post.
I have recently taken out a PCP deal on a car and unfortunately due to unforeseen medical issues my income my be at risk. I am wondering if there is a way of giving the car back early (very early 16 plate) as I am concerned about the cost of repayments if I am unable to remain employed.
If there is a way would this effect my credit rating?
I am also concerned if the worst were to happen and my illness became terminal would my wife be left with the car and finance? Even though it is only in my name?
Greatfull for any advice.
Thank you Christopher.
Hi Christopher. Unfortunately, there is no provision in most PCP deals for not being able to make payments, regardless of the reason. You would need to claim on a life insurance policy if you have one that is applicable.
You can't simply give the car back unless you have paid (or are prepared to pay) 50% of the Total Amount Payable under the rules of Voluntary Termination. If you only recently commenced the agreement, this is unlikely to be a viable option.
If the worst-case scenario you described did occur, the finance would not transfer to your wife. The finance company would be a creditor of your estate and would be able to make a claim for the settlement figure owed at the time. The final figure would end up being negotiated with the executor of the estate.
After a long while of mind change I have finally decide to start looking seriously about purchasing my 'dream car', currently the new f80 BMW M3 is ticking all the boxes. This will be my first time entering any sort of financial agreement so unfortunately my knowledge of this along with predicting future vehicle is quite weak.
I am thinking after some research that PCP is probably the best route for me, however there are some things I can't get my head around. Here are some figures I have pulled from one dealership to use as an example- a 2015(65) with 1500 miles on the clock Valued at £50,000:
Duration of Agreement48 months
Contract Mileage40000 miles
47 Monthly Payments£938.76
Optional Final Payment£17,962.00
Customer Deposit£2,000.00
Cash Price£50,000.00
Total Amount of Credit£48,000.00
Total Amount Payable£64,083.72
Excess Mileage Rate9.14 pence per mile
I understand that the 'optional final payment' is basically what the car is being valued at the end of term, is this correct? If this is the case then they are estimating that the car will be worth £17962.00 at the end of the term? Either I am being very naive in the rate that cars drop or is that too low? Surely the car will be at least £25000? Say if that was the case would that mean I would be in just over £7000 equity to put towards another car? I just can't see dealerships being daft enough to lose out on these finance deals and the last thing I'd want is to be in the 'red' when it comes to the end of the term and actually end up owing on the car rather than being in equity.
As I said I am pretty much a novice in all of this and this will be my first time purchasing a vehicle like this. Can you give any advice or tips on how to get the best from these kind of deals and also how is the best way to try and calculate a cars future value?
Look forward to your answer,
Hi Alex. If you are buying a car worth £50,000 now, there is no way it is going to be worth £25,000 in four years' time, so I think the figure provided is probably reasonable.
From the finance company's perspective, they would rather have the figure low than high. If they set the final value at £17K and it ends up being worth £25K, it's no problem for them. You effectively get back £8K of the money you have paid off (indirectly, when you sell the car). If it's the other way round, where they set the value at £25K and it's only worth £17K, you give the car back to them and they're stuck with a £17K car which means they charged you £8K less in finance payments than they should have.
For more information, have a read of our article on how a PCP works.
Paul Tracey
Hi Stuart
I have a PCP with Kia and am looking at paying off all the monthly payments leaving just the final value
Is this possible ie pay off the monthly repayments and pay the final value in the future not necessarily at the end of the term
Not sure I am explaining this at all well
I have 14 monthly payments let and can now pay them off in full leaving just the final value to be paid
I would be looking to pay that of as soon as possible not necessarily at the due date (Nov 17) it would maybe be later this year or early part of 2017
Hi Paul. Yes, you should be able to make a part-payment or overpayment on your PCP. Contact the finance company and they should be able to advise you.
Paul Tracey
The PCP is with Kia Finance so if I make all the amount required and leave just the GFV amount left
Does this mean I will not be required to pay anymore monthly payments until the GFV is due
You'll have to speak to Kia about that, but I don't see any problem with it.
Paul Tracey
Thanks for your reply Stuart
I contacted Kia today and they tell me I must still leave the DD running but I was able to pay off most of the finance my DD is now set at 1p PM hopefully I can afford that ;-)
Yeah, I thought they might have to keep the direct debit running one way or another, but you've basically got exactly what you wanted so excellent result!
Have a Merc on a 4 year PCP but am hoping for a trade in. I know there will no dount be nagtive equity before the 2nd year but what if I went for a dirt cheap £7,000 car for example?
Hi Ben. The price of your next car won't affect your negative equity position, so you'll still have to clear that before you can worry about your next car.


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It says, "You'll be sorry". But she keeps doing it over and over again. WTF?
Damn, she scared the s**t out of him… XD
it looks like blood
Wasn't this shown to be a fake when the projectile squirts from where the dog's testicles aught to be.
Gotta be a fake….why lift a dog's tail?