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In the beginning, the intersection of brilliant, pranksterish academia and the military gave rise to gaming. Later, the widespread adoption of computing and gaming demanded a system of usability standards. Thus, the mouse was adopted.
Finally, after a long hiatus, the era of a trackpad or surface-bound mouse may be trumped by a Wii-like distance mouse. This means that mouse-inventor Doug Englebart's vision may be closer than previously thought.
Or does it?
I asked a number of people about where the felt the mouse would go in the future. The most interesting response I received was from a guy I met last month at Reed College in Portland, Oregon (Steve Jobs semi-alma-mater). The guy did security for Second Life's online banking systems.
He said that the computer screen will evolve to be closer and closer to the eyes, in the form of glasses. The user will be able to track and move objects on the screen through the use of rings on his hand. Also, image recognition will allow better photo tagging in real time. Viewed objects will have associated tags used to help the user. The digital will blend more and more seamlessly with the real.
However, computing has flirted briefly with near and far control tactics. The Wii-like controller path will usher in an era of larger screens with more movement from the user, but glasses could allow that as well. What do you think?
Filed under: anthropology, cyborg anthropology, doug englebart, future, mouse, online banking, reed college, second life, security, steve jobs, useability, wii |


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I decided to make this traditional dish gluten-free by exchanging Quinoa for the usual Bulgur Wheat, an idea I got from the book The Gluten-Free Vegan: 150 Delicious Gluten-Free, Animal-Free Recipes. For those of you who have not discovered Quinoa yet: it's an ancient grain who's consumtion goes as far back as the Incas, and it has the rare property of being a complete plant protein! The Holy Grail for Vegans & Vegetarians…Make sure you rinse it first, to get rid of the bitter coating, though. This Salad is tasty & refreshing – perfect for a light Summer meal.
Ingredients: (about 4 side servings)
1 cup rinsed Quinoa
2 cups Water
1 cup chopped Cherry Tomatoes
1 cup chopped Cucumber
1/2 chopped Red Bellpepper
1/4 Red Onion, sliced thinly and chopped
handful of chopped Spring Onion
bunch of Fresh Mint, minced
bunch of Fresh Parsley, minced
juice of fresh Lime/Lemon
Olive Oil
Salt & Pepper as needed
– Boil the Water and Quinoa in a saucepan, lower heat to a simmer and cover with lid. Let cook 12-14 mins. until Water absorbed and Quinoa 'tails' visible. Drain & allow to cool.
– Place all Salad ingredients in a large bowl, except Lime juice & Olive Oil. Add Quinoa to bowl and toss to combine. Add Dressing, toss again. Season & chill before serving.
*Tastes of Summer….

subset: commoncrawl


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>Time, that is.
How fast is it going? I can hardly believe it's the weekend again, and I have quite a busy one planned.
Today is going to be finalising prep work for the winter magazine – it only seems like 5 minutes since the last one was delivered. I've already done my weekly timesheet and I also want to get the first draft of an article written. I may do the shopping again on my way home as I'm not going out tonight so it will be less rushed.
Saturday is going to be part chores and part writing. I have drafts 2 and 3 of 2 fillers to write plus get one of them edited and ready for submission. Weather and money permitting I'm off to Matlock for the evening for illuminations and fireworks – I say money because I have to pay for petrol, parking, admission, and drinks if friends also make it. October is a 5 week month this year, so money is already slightly stretched. If I don't go to Matlock, there's a gig around the corner I may go to, but that also depends on money (must do a budget check today). I may just stay in and watch X-Factor again.
Sunday I'm off down to Birmingham to say Happy Birthday to my dad for Monday. Sunday evening will be more Countryfile, X-Factor and Downton Abbey. Then Monday is a writing day with the first drafts of 2 short stories to write, draft 2 of an article, and draft 3 of a filler. Incidentally, looking ahead to NaNo (again) I'm delighted to see that day one (1 November) is a Monday, and it's a 3 day week. That means I have 2 full writing days in the first week of NaNo on top of 2 writing parties during the 2 preceding weekends. If that lot doesn't give me a good start nothing will.
No walking this weekend, other than wandering around the supermarket pushing a trolley or walking around Matlock if I go, so the Wii will be coming out.
They've forecast a "mostly dry" weekend … I guess that means rain then. Have a good one.


text: When you thought her perky breasts and nipples could not get any perkier, well they do, now that she is 8 months pregnant! Our very first pregnant shoot, she is just as cute as ever, and has several fitting dresses to model for us. Then she starts a very hot lactation scene, dripping milk on a glass table. She is also just as sexual as before, and does an intense masturbation scene with a great orgasm in the end!


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A Lehigh Acres mail carrier filed a report with Lee County deputies Tuesday, stating that a man exposed himself to her on her route.
The 35-year-old victim told deputies the man, whom she delivers mail to, had met her at his mailbox several times over the past few days. She said she thought he was "just being friendly."
However, she reported Tuesday that the man exposed and stroked himself in front of her on three separate occasions that day. After the third incident, she called the Lee County Sheriff's Office.
The man, whom was not identified, denied the accusation and was not charged, according to the report.
Article by www.news-press.com


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It has been an exceptionally wet winter here in Cyprus this year from December up till the beginning of March we have had some extremely noisy thunderstorms and heavy rain which has filled the dams to overflowing; a novelty here where water shortages are the norm. It is always a subject under discussion in winter as to how full or not the dams are depending on rainfall, last year some dams barely reached 50% others much less than that by the end of the winter. Flooding has been a problem in some towns and villages and the fields around Paphos were water-logged ruining some crops. Looking from the shoreline at the sea, brown patches were visible where the run-off from the fields had flowed into the sea via watercourses giving the fish some extra nutrients.In some areas heavy hail has damaged delicate fruit trees.
The positive side to this is that now in early March we have the huge pleasure of seeing this beautiful island of ours covered in green where green is rarely seen. Where in summer the ground is parched and dusty and the hills and mountainsides looking like a barren moonscapes all is now verdant and lush.The trees have received a good soaking right down to their root tips giving them a good start into the run up to a scorching summer.
Wild flowers are in profusion, wild anemones and rare orchids, birds and wild life can only thrive in such circumstances.The sheep and goats are certainly enjoying a feast and we in turn will benefit when we buy our locally produced halloumi and yoghurt.
Yesterday I took a short trip to one of my favourite spots near Droushia, the ruined monastery of Ayios Nikoxilitis. Here the grove of almond blossom is just about to burst into flower and a variety of broom is in its full yellow flowered glory lending a delicate scent to the air. The scene was sublimely peaceful.
I'm not sure who the chair is for~?


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The Conscious Consumer: A Canadian Perspective
The organic food culture in Canada is growing, as more and more of the population has shifted away from conventionally farmed food products towards all natural, organic food. Being a Canadian myself, I am one of these people who have started eating a mostly organic diet. I first got hooked on organic produce after I started growing some of my own vegetables. Once I tried my very first organically grown tomato from my garden, I was amazed by the difference in taste and consistency. The more I eat organic produce, the more I can taste the difference from non-organic food.
I believe the shift towards organic food stems from an individual's broader environmental, health and social values. By buying organic food, you are enforcing responsible consumer behavior; supporting both personal and public welfare. For me, buying organic food means encompassing the wellness of myself, as well as of the producers, farmland, environment, the local communities and local economies. It's a way to not only boost my own health, but also a way to have a positive impact on my social and natural environment.
I am from Vancouver, a city in Canada. One of the reasons there has been a big shift in organic food consumption in my city is because it ensures that the food is grown as locally as possible. This is important because by consuming organic food, we are supporting local farmers and adding to the local economy. It is also important to know where your food is coming from in order to ensure you are not ingesting any harmful additives, especially pesticides. Therefore, by eating locally grown, 100% organic food, the consumer is able to avoid the risk of excess pesticides.
Some people believe that there is no difference in the health effects of organic food versus non-organic. However, there are increasingly more scientific studies that show the detrimental health effects of pesticides found in non-organically grown food. Studies have shown that pesticides can lead to various diseases, for both the consumers and the farmers who use the pesticides. The use of pesticides in farming also has extremely negative effects on the environment, as it contaminates the soil, groundwater, air, soil fertility and other vegetation, and can also minimize the biodiversity in the area.
This is why there must be a larger shift towards consuming organic food. It doesn't matter if you're in India or Canada; our environment and our health should be important to all of us.


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What's inside......
Welcome to North Carolina Public Employer Labor Relations Association (NCPELRA)!
The North Carolina Public Employer Labor Relations Association (NCPELRA) is a professional non-profit association formed to provide services to public sector management (federal, state, county, municipal, court, educational, authority or political sub-division) in the areas of human resources and labor relations.
By joining NCPELRA you will also automatically become a member of the National Public Employer Labor Relations Association (National PELRA). National PELRA is a network of state and regional affiliates with over 2,200 members around the country. The governmental agencies represented in National PELRA employ more than four million workers in federal, state and local government.
Providing Professional Development, Networking and Advocacy Services to North Carolina Public Sector Labor Relations and Human Resources Professionals to Facilitate Delivery of Efficient and Effective Services to Citizens and Taxpayers.


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Claire's Accessories
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Claire's Accessories
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Claire's - A Career that's
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Third Key Holder Opportunity
About The Role
As a 3rd Key Holder at Claire's, you will be responsible for:
Supporting your Store Manager and Assistant Store Manager with the achievement of retail store targets
In the absence of any other management they may open and close the store and are responsible at that point for ensuring that the store trades safely and legally
Delivering sales through friendly and efficient customer service
Ensuring our customers have a fun and enjoyable shopping experience
Demonstrating Claire's products
Assisting customers with their queries using your product knowledge
Assisting with processing store deliveries, visual merchandising, stock takes, markdowns and promotions
Ear piercing (you will receive full training)
Ensuring the store looks presentable and inviting to our customers
About You
Some high school required
Minimum 1 year retail experience
Excellent verbal/written communication and organizational skills
Basic computer skills
Understands the importance of Customer Service
Sound understanding of mathematics and strong reading comprehension skills
Ability to stand during scheduled shifts
Ability to maneuver up to 25 lbs regularly and up to 75 lbs occasionally
Bending, stooping, extended reaching, climbing ladders and step stools while placing merchandise throughout the store and assisting Customers
Ability to operate POS system
About Claire's
A leading high street fashion retailer with +3000 stores globally
We specialize in fashionable jewelry, accessories and cosmetics products
Our core customer ranges from children to young women. We accommodate all our customers' moods, attitudes and styles, including; feminine and pretty, unique/individual and the latest catwalk trends
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Connect with the Author
Renee Writes - my personal website and blog.
About Shadow Stalker: Turning Tides (Episode 9)
Makari has finally come to realize Auren is not the delohi-saqu, and his father, Drevin, Emperor of the Galvadi, has been wrong about her all along. He goes to Zain, Auren's father, for help to heal Auren's mind after he had wrongfully broken her. Now Makari vows to protect Auren and help her escape, but she refuses to leave without her father.
Auren and Makari's love for each other grows, and the connection they share deepens. They have to be careful, however. Spending too much time together is causing the other guides to grow suspicious. Makari's loyalty is tested, and he is forced to do something he swore he'd never do again.
Buy the Book
Excerpt from Shadow Stalker: Turning Tides (Episode 9)
The only time [Makari] shut me out was when he had to participate in a cleansing session. The knowledge that it had never been necessary, and the fact it was his father's way of brainwashing people, weighed on him greatly. It was why he didn't want to involve me. He didn't want me to see him hurting others. It didn't change how I felt about him, nothing could, but Makari feared it would taint our connection somehow. Of course I could always see it in his mind afterward, but I never said anything.
"Isn't there any way you can avoid it?" I asked him one afternoon.
"No. Some of the guides are growing suspicious. I'm afraid it won't be long before someone decides to investigate or test my loyalties."
I hadn't realized how bad it was for him. "We've been so careful though."
"I know. It's nothing we're doing wrong. Some of the guides are naturally suspicious, and the time I've spent with you is not normal. It's not unheard of for a guide to focus attention on a person who is difficult, but because of my reaction to you in the office that night, I may have given away the fact that we knew each other."
"Oh, the lizard comment?"
Makari nodded. "That, and my familiarity with you, yes. I wasn't trying to be careful then because I had every intention on turning you over to my father. Eventually. Had I known what would happen, I would have been more discreet."
I shrugged. "You can't change the past."
"No, but Auren, you have to promise me something."
"Okay," I said, though I didn't like his tone.
"If something happens, I'll send you a warning through our connection. If that happens, you have to promise me you'll leave Nadiria and go back to Kado so he can keep you safe."
I rolled my eyes. "I don't need anyone to keep me safe, Makari. I'm not helpless."
"I know that. But I promised your father I'd protect you," he said, gripping my arms. "If I send you a warning, it will be because they know you're here and that I've betrayed them."
"So, I'm supposed to run and leave you to your death?" I said, my chest constricting. "I can't do that. I can't live without you."
"Then leave and trust that I can take care of myself."
"What if they put a recinder on you? What if they put one on me?"


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Welcome to
Find a wealth of knowledge on personal finance, credit repair, and credit management.With proper credit management, life becomes easier, and suddenly options open up to you that you might not have seen before. Many of us never had the chance to study about personal finance while we were in school or never thought our parent's financial advice would be valuable
Help everyday people like you improve their bad credit scores
At Personal Finance Tips, our goal is to help everyday people like you improve their bad credit scores, understand how credit management works, and learn about credit repair pros and cons that will ultimately make the difference between a bank account that works with you, rather than against you.
Unfortunately, as we move into adulthood and establish ourselves in the world, it becomes more and more apparent that personal finance and financial responsibility is a significant and vital subject to learn in life. If you have a bad credit score, it's tough to do basic things like take out a loan or cash advance when you need it, get approval for a retailer or bank credit card, or even finance a home equity line of credit with your bank.
Whether you're trying to build credit for the first time, learning to handle your good credit score strategically, or seeking debt forgiveness and consolidation services, it's important to understand credit management basics and good financial practices that can keep you from nose-diving right back into a life of bad credit. We understand what it's like to be in a tight spot, having to make ends meet, and struggling to work your way back up after a mishap. We want to help you make the most out of your every day, leaving your bad credit score in the dust and let you get back to what really matters in life, like looking for your dream home, pursuing that career you always wanted, or sitting down to play with your son. These options often close to you, and it can be tough to navigate your way back to a healthy, good credit score.
To the folks at Personal Finance Tips, it's not about money, though that may be the subject matter.
It's about seeing the future generation move forward with a vision of success and a plan of action to keep them financially sound
with the advice and understanding to manage their credit, keep bad credit scores from affecting their daily lives, and let them move
forward with financial opportunities available at their every need. Now, that sounds great and all…
But what about you? What about right now?
We've been there too: an unpaid semester of college, a cash advance with hidden fees and spiked interest rates, a bounced check… The list of things that can turn your excellent credit bad at the drop of a hat is near endless, and it can seem impossible to bounce back from it. Luckily, with a little credit management and good practices, you can recover from it, unlike debt collectors may want you to believe.
With the right advice and right credit bureaus, your credit score can improve dramatically – you never know, you may end up with a better credit score than when you started! It's never too late to consider repairing your credit score, whether you're in your twenties trying to get financed for a home equity line of credit or you're in your eighties wanting to get your ducks in a row for your grandchildren.
Your credit score shouldn't hold you back in life, so what are you waiting for?
Turn your bad credit score around and start learning practical personal
finance tips that keep your wallet fat, your bank account in the positive,
and your mind worry-free.
There's All This Talk About Credit Scores –
What Is a Good Credit Score?
Alright, so we've talked about credit scores and credit reporting, but the real questions start at the very beginning: what is a good credit score, anyway?
We'll start by defining what a credit score is.
In short, a credit score is a number assigned to you that tells companies what your ability to repay a loan is. We also like to call it your financial reputation. This number is based on your previous history of paying bills, loans, and other types of financial commitments (such as your mortgage.) By keeping up with payments, you can keep your credit score balanced. Paying it off strategically will help you raise your credit score, and if you lapse payments, you might find that your credit score will start to lower.
While everyday transactions like purchasing groceries or gas won't necessarily affect your credit score, certain types of purchases will. For example, financing furniture or electronics, paying back student loans or buying your gas with a credit card instead of a debit card. The difference is slight in explanation, but in practice, purchasing something with credit is essentially asking a financial institution to cover the immediate expense with the promise that you'll pay it back. You would then be indebted to make good on that promise within an agreed upon timeframe, which is typically set on a monthly billing cycle.
What happens if you pay it off monthly? The simple answer: your credit score goes up.
If you don't make those payments monthly and you lapse, you'll accrue interest on the debt you owe. This interest acts like compensation to the financial institution, who is now out money longer than they anticipated. Interest can stack on a percentage scale with your current debt, and the longer you let it lapse, the lower your credit score drops. If you have a bad credit score, you are considered risky to loan money to.
This same concept applies to financing items. If a retailer sells an appliance to you with the agreement that you'll pay every month, instead of loaning money so you can purchase things, they've lent you an item with a retail value attached to it. That retailer still has to consider the monetary costs on their end for purchasing the item, operating costs to sell the item, and the hidden cost of not having the item in stock to potentially sell to another customer. If you don't make your payments on time, interest still (in many cases) accrues, and your credit score goes down because they were not able to rely on you to pay for the item you purchased.
Personal Insurance11%
Health Care7%
Cash contributions3%
Now, when you ask the question "what is a good credit score?" you might have a bit better grasp on what a credit score really is in the first place. It's not a set of arbitrarily made up numbers, but instead, it is a quantitative number of your financial reputation.
While the numbers can vary slightly depending on who you use to report your credit, a bad credit score is considered anything from 300-650. Fair is typically 650 to 700, and a good credit score is 700-850.
Now, while we've explained a lot about credit scores here, there's a lot more to learn.
In the Credit Scores and Reporting section of our website, you'll learn more about the fair credit reporting act, how to get your credit check total, and read more in-depth articles explaining what a good credit score is.
How Do I Check My Credit, and Who Provides My Credit Report?
A credit report is based on your credit history which is collected by credit bureaus. The data they collect is then compiled using a standard formula to get your credit score. You can typically request this for free at any major credit reporting agency. Smaller credit reporting agencies may charge you for this service.
There are three major credit reporting agencies in the United States, which are Equifax, Transunion, and Experian. These are the three companies who are most likely handling your data on a regular basis, calculating it, and handing it off to other companies who have requested it. Now, some credit bureau collecting your personal information may sound alarming. These agencies collect your purchase and payment history to quantify your credit score – what do they do with that information once they receive it? They hand it off to loan lenders or other financing companies.
Have you ever been asked to agree to a business performing a credit check whenever you apply for something that requires it, such as a credit card, a loan, or a credit-checked financing program? Many utility companies run credit checks on new customers to determine if they need a down payment on their equipment rental or service as well.
Some people are still concerned about the accuracy of the data these collection agencies are receiving, however. After all, you don't see the data go through so how can you verify it?
Credit reports are, fortunately, more accurate than ever before. A law passed in the 1970s called the fair credit reporting act. This act prevents anyone from willfully or negligently including inaccurate information in credit reports, and regulates the collection, use, and distribution of all consumer credit information. This means that your information is kept private, so credit bureaus are not allowed to sell your data or otherwise use the data negligently. The law is also in place to ensure the accuracy of your credit reports, providing a fair score for the data collected.
Let's imagine this: you want to get a credit check done on yourself so you can monitor your credit score. This is an important practice in credit management, good on you!
First things first, you want to make sure you receive a credit report from all three major credit reporting agencies in the United States. You would think one would be fine, but the data can differ slightly, and by ordering all three you can see where the data varies. On average, you can request one credit report from each agency every twelve months.
Your credit report has arrived. How do you read it, though? You may see abbreviations, terms, and sections that you can't quite make sense of right away. The first thing you'll want to familiarize yourself with is the report's setup. Typically, these are sectioned off into four parts: your personal information, your credit history, credit inquiries, and lastly, public records.
Your personal information is a section providing any identifying information the bureau has on you.
Your credit history shows a general overview of how you've handled your credit in the past, including identifying creditors, payments, and dues.
Your public record is a section that will detail bankruptcies, liens, and other publicly available tax information. Having something listed in this article is almost always a bad sign for your credit score.
The credit inquiry section is where the credit bureau lists who has asked to see your credit report before. There are two types of inquiries:
- Hard credit inquiries are ones you've initiated through, say, filling out a credit card application or attempt to get financing for a new sofa.
- Soft inquiries are for companies who want to pre-screen you for credit offers or deals, employers, or companies currently monitoring your account. These soft inquiries are not available to other companies who ask to see your credit report.
You can read more about credit reporting on the Credit Scores and Reporting section of our website, where we discuss several topics from how to get your credit check total, to discussing the fair credit reporting act more in depth, how to get a credit report, and even how to read it.
Is it Possible to Come Back from High-Interest Payday Loans or Refinance My Student Loans?
We've all been in a tight spot. We've hit zero and kept on seeing numbers go down. That negative dollar amount in your bank account doesn't leave your mind. Maybe you have to pay rent in two days, but you get your check in four – or perhaps you overstretched yourself a bit, spent a little more than you thought, and you just need a little something to get you back on track. That's why we've put together a section on payday loans, consolidation loans, and everything in-between, helping you understand precisely how they work and what it takes to handle one responsibly.
Let's face it.
Even the best of us make poor financial decisions sometimes.
Every now and then, "sometimes" turns into "most of the time," and "most of the time" turns into "what am I going to do now?"
Luckily, with a little help and sound financial advice, you can get back on track, whether you're focused on repaying payday loans or you're looking to get a personal loan to jumpstart yourself while you have bad credit. Maybe you're even considering debt consolidation loans, which can be an excellent credit repair tactic for many people with bad credit scores. No matter what, we're here to help you learn about it, understand the benefits and risks, and make a sound decision for you and your wallet.
Whether it's a one-time occurrence or a typical situation you find yourself delving into to make ends meet, there's a way you can handle payday loans and other personal financing loans that won't impact your credit score so harshly. The success comes in finding the right loan for you and understanding the interest rates, hidden fees, and terms that come with each one. By understanding how different types of loans work and the potential benefits (and risks) of each one, you'll start to understand the world of payday loans, debt consolidation loans, and how refinancing student loans affects that half-paid college semester from years ago.
The biggest thing we want you to keep in mind when learning how to handle loans is that there is always an option available to you, no matter how bad your credit score is and no matter how deep in debt you are. Seeing people relieved of debt and able to pay off their loans is the reason we want to share our knowledge with our audience, opening information up to people just like us, just like you.
Payday Loans and How They Affect My Credit
To many people, payday loans are some of the hardest loans to pay back. They have high interest rates and hidden fees built right into the framework of their business.
Typically, this kind of loan is seen as a last resort, and we like to say as a general rule of thumb, they're only useful for when you're in a tight spot and can't afford bills that are due before your weekly or bi-weekly paycheck comes in. Payday loans can be tricky to navigate when you're trying to avoid damaging your credit, and most have high interest rates and late payments fees, giving them the advantage to collect more money from you before you make a dent in the debt.
Payday loans, also called cash advance loans, are loans that give you the money you need right when you need it in one lump sum, with the agreement that you'll pay it back when your paycheck arrives, or partially pay it and roll it over to the next paycheck.
Unfortunately, payday loans also often include some sketchy terms and conditions, so keeping the loan out for an extended period or missing a payment can quickly lead to a crashed credit score and spiraling debt. If your payday loan lapses, you may be at risk of the company sending the debt to a collection agency, who would then report the outstanding collection to a credit bureau, further tarnishing your financial reputation. We've even seen some people take out a cash advance to pay off their first payday loan, cycling through payments until it takes them years to pay off their loans. When they finally pay it off, they almost always come out with very poor credit score.
If you're interested in learning more on the different types of loans and how to handle them properly, we discuss the topic more in-depth in our Loans section of the website. Whether you're trying to manage your payday loans, you're looking into personal loans for bad credit, or you want to try and refinance student loans, you've come to the right place to start learning about your options.
What it Means to Refinance Student Loans
Have your student loans been impacting your credit score or your monthly debt?
If you're like many others, you may be surprised to know that student loans account for the majority of household debt, right behind mortgage loans in America. It's also (no surprise here) one of the most common types of debts to acquire early on in adulthood and it's becoming harder and harder to pay off, with some student loans lasting upwards of 20-30 years before being paid off. For individuals who have accrued other types of debts on top of their student loans, a debt consolidation loan will make things easier on their wallets. If your student loan debt is plaguing your financial life and you don't have many other debts to speak of, however, you may find it to be a pleasant surprise that you can refinance student loans.
Not many people know how easy it can be to refinance student loans, potentially lowering their overall debt, but depending on your circumstance and amount owed, it could be as easy as simple contacting a federal student loan forgiveness agency, or a national bank near you. Many places will offer repayment plans that vary in length depending on the amount you owe and your current income
But, how does it work? Refinancing a loan does what it sounds – you finance the student loan again, typically at a lower interest rate, and sometimes at a lower owed amount. If you meet the criteria, you may even have a chance to claim federal student loan forgiveness and have all or most of your debt forgiven. In most cases, you can even set up an auto-approved payment amount for each month, making paying your student debt on time easier.
Refinancing your loans can leave some people feeling overwhelmed and in the dust. The process is simple to refinance student loans once you find the credit repair pros who will handle it, but did you know that there are good and bad times to refinance your loans? It's important to understand what makes an opportune time for refinancing and how you can position yourself to get the most out of it.
For example, a bad time to refinance your student loans would be if you're in the middle of switching jobs. Your student loan refinancing would be based on your current income and would not accurately reflect the income you are counting on with your new job. On the same token, you may be going to a lower-paying job in the future, and while you might get a lower interest rate for your current higher income level, it's important to ensure you can support the payments with the income you will have. Having payments that are too high for your income level is a sure way to get yourself into a tight spot with debt.
Are you interested in learning how to refinance student loans? We discuss more on the different types of loans, refinancing, and good habits to have in the Loans section of our website.
How Can I Get Personal Loans with Bad Credit?
Personal loans are available to individuals with a good credit score. This type of loan is often referred to as an "unsecured" loan since they are not always backed by collateral. In most cases for major loans, collateral is considered personal property such as your vehicle or home. It's common for auto loan lenders or mortgage loan lenders to consider their product to be an unsecured personal loan since you are applying for something that would be regarded as collateral – they don't expect you to own collateral to purchase collateral, fortunately.
If you already have a bad credit score, however, it can be tough to get approved for that type of loan as lenders are less inclined to believe they'll get their money back. Without collateral, they don't have anything to fall back on except debt collection agencies, which requires them to spend more resources (and money.)
There is another type of personal loan that increases the chances of individuals with a bad credit score getting approved: a secured personal loan. Many people may refer to this kind of loan as a "bad credit personal loan" for its availability to individuals with poor credit scores. This type of loan does rely on collateral, and it's most often used for mortgage loans. Depending on the company you are getting the loan through, and why you need the loan, the type of collateral they accept can change. With most lenders, collateral is accepted in the form of automobiles, RVs, campers, or other kinds of personal property. This collateral must be appraised by an approved source to ensure it meets the loan value, however.
No matter what type of personal loan you are approved for, your credit score will likely determine the interest rate the lending agency quotes you. If you are approved for a secured personal loan – or a bad credit loan – you might find that your poor credit score isn't as high of an interest rate as a bad credit score, and a bad credit score won't incur as high of a rate as a very bad credit score will.
If you're in need of a personal loan, understanding your options and how loans work will go a long way in making sure you do business with the right lending agencies. Knowing what to look for in the fine print is half the battle. We discuss the topic of unsecured and secured personal loans more in-depth in the Loans section of our website, where you can learn the basics of loan payments, learn common terms, and review in-depth explanations of many loopholes lending agencies might try to send you through.
What are the Best Credit Cards for Building Credit?
At Personal Finance Tips, our top priority is to keep you informed about credit, debt, and everything that comes with it. One of those things is helping you make the right choice when it comes to the best credit repair companies in the market today. After all, whoever handles your credit is responsible for your financial future, which is why we want to help you find the best credit card company for you and your wallet.
Are you in the market for a credit card? Time to put your business on the map. Building credit seems reasonably straightforward, especially if you've already taken the time to educate yourself on the subject through our articles. All it takes is a couple of strategic numbers and making sure you don't lapse payments, right?
Well, yes and no.
It can be tough to navigate the waters when it comes to selecting the best credit cards on the market. It seems like every bank has a different option with multiple tiers of jargon, and there are dozens of credit card companies that hide their fees in fine print and industry terms, hoping the layman won't catch it.
How can you separate the good from the not-so-good?
In the Credit Cards section of our website, we review some of the best credit cards on the market today and give you our honest opinion of what makes them so good. We outline the facts and fine print, educating you along the way to make sure you get a credit card that not only saves your credit score but also gives you the peace of mind you need.
In the end, it's up to you to educate yourself and consult with professionals in the market, whether they're at your bank or they're the credit repair pros who are helping manage your debt. From student credit cards to credit cards for no (or bad) credit, we review it all. Keep yourself out of credit card debt and stick to reputable companies who provide transparency. We'll be here to help you make your own informed choices on the basics of finance management and credit repair.
I Have No Credit – Should I Start Building It Now?
Few people make it through their twenties without accruing some sort of credit, where it's good or bad.
Typically, people who are of high-school or college age will begin looking into building credit as they start their first job since they'll also be in a position to take out loans and apply for housing. Before that point, you won't have any credit to your name whatsoever. If you're of student age, chances are you don't own a home, pay any bills in your name, or have any current loans out, so you have no credit to speak of. To some lending agencies, this can be almost as bad as having a poor credit score, since the score could skyrocket to good, or dip to very bad in a matter of months. It's a coin flip for the agency, and not a risk many are willing to take on someone so young. This also means if you're trying to move into your own home or apartment, you might find it difficult to get approved for some districts, and the chances of you getting a mortgage loan are almost zero.
So long as you are financially responsible, it's important to start building your credit as soon as possible. Good credit will determine if you're able to get approved for that apartment you have your eye on, future loans or financing, and it will also be necessary for lowering your insurance rates, no matter the type. Many people will find themselves asking if a credit card is really the right option for building your credit; after all, there are so many horror stories of people handling credit cards poorly and spiraling into a lifetime of debt. Do you really want to take that risk? Well, it's not as much of a threat as you'd think. While credit cards will eventually allow you to spend over a certain limit, you can still pay it out in monthly installments. If you have poor credit management habits and don't handle finances well, your chances of going into debt increase dramatically. The key to staying out of debt is knowing how to avoid it in the first place. Credit cards are safe to use and won't harm your credit provided you handle it correctly and know what to look for in the fine print.
Before you reach out and apply for the first credit card that solicits your mailbox, however, it's important to read up on the basics of how credit cards work, and the difference between the types of credit cards that are good for building credit. Many credit card companies host a variety of options for people under different circumstances, whether they have good credit, bad credit, or no credit.
Banks will commonly send out applications for their credit cards once you are old enough to attend high school and will typically wait until you are 18 to approve any requests. These credit cards are often only available to those who are participating in school, and approval depends on both your working and academic situation. Assuming you are attending school, you may be eligible for a student credit card, which means you get to earn rewards like cash back on purchases, and some credit cards even offer incentives such as interest-free financing on certain items.
Other types of credit cards that may benefit the working academic is a secured credit card. This typically requires a down payment and attaches to a bank account for collateral should you skip a payment. You'll deposit the amount you want to be able to spend on credit for that month, and it goes into the attached account, giving you a limit to your spending which you can pay off from the account. The limit you're approved for depends on both your credit history as well as the dollar amount present in the account attached to it. While you won't be making any big-ticket purchases with a secured credit card, it's an excellent way to limit your spending while building credit for yourself – just be sure to pay it off every month.
We discuss the basics of building credit as well as different types of credit cards available to individuals with good, bad, and no credit in the Credit Cards section of our website. At Personal Finance Tips, we believe it's essential that you start off on the right foot, and it's our job to help educate you to be financially responsible and handle your finances properly, ensuring you have all options available to you in the future.
The Grip of Debt: From Consolidation to Loan Forgiveness
When you're in debt, everything can seem like it's spiraling out of control. A simple missed payment can grow into something much larger, and before long, a lot of people find themselves swimming in debt.
Debt has a way of making you feel isolated and alone, but that's far from the truth – some statistics show that over 80% of all American adults are in debt, and many of them stay in debt or wind up passing debt to their children and grandchildren.
If you're in debt, don't let yourself get overwhelmed – debt consolidation is a wonderful option for people who feel like there's no way out of the situation. Unfortunately, there's a big reason why so many Americans are in debt even with this option: not many people understand how it works, or that debt consolidation is even an option for them.
In fact, we can say the same for debt forgiveness as well. A little over 70% of all student graduates leave their college with student debt. That's an incredible amount – and more people can't pay it off for longer periods of time, with a local college taking many people almost 20 years to pay off.
Too many people are stressed over debt even though they are eligible to receive debt forgiveness.
What's stopping them?
They don't understand their options.
Federal student loan forgiveness is an option for many people but isn't utilized often, and debt consolidation loans can be confusing to jump into on your own. Luckily, in the Debt Forgiveness and Consolidation section of our website, we take the topic and break it down to help you understand more about your options. We explain several concepts and explore what it means to you and your debt.
What Is Debt Consolidation, and How Can I Start?
Learning how to consolidate debt can be a tough subject for many people to dive into by themselves. Fortunately, many credit repair companies can handle debt consolidation loans for you, so you don't have to worry about the headache that comes with reading over pages of fine print.
Debt consolidation typically works by refinancing the debt you have. If you've ever refinanced a home or a car, you'll find yourself vaguely familiar with the process. Refinancing your debt means you're taking out a new loan (or financing it again,) typically at a lower interest rate. This allows you to consolidate your debt and pay off the balance in chunks.
This helps in a variety of ways, allowing you to pay off your debt faster by not only including a lower overall interest rate but also rolling all your debt payments into one single (often monthly) bill. If budgeting is a concern, this is definitely a helpful option as you'll only have to keep track of one monthly payment instead of several bills, all with different interest rates and fees.
With debt consolidation loans, you'll typically discover that your interest rate is much lower. Not only is this a relief because your total bill is lower, but it also helps you put an actual dent into your debt payments. Many people get into debt because they're unable to keep up with the interest that accrues on these payments, and the bill becomes more expensive than when they took out the loan or got the credit card. Instead of spending years grinding down the interest before you can start paying off the real debt you owe, a debt consolidation loan can help you lower the interest rate into a manageable number for your total debt. This helps you pay off your debt in half the time or less than without a debt consolidation loan.
Best of all, you can avoid damaging your credit score by consolidating your debt so long as you stay on top of the payments. This is an essential step to starting the credit repair process, and you may see the positive impact it has on your next credit report.
Now, when it comes to debt consolidation loans, it's important you stay on top of the payments – learn about your options and make sure you can handle the monthly payments, taking a chip from the debt to income ratio. Not sure what a good income to debt ratio is? We discuss this topic in-depth in the Debt Forgiveness and Consolidation section of our website
I'm In Debt! Can I be Forgiven?
Debt forgiveness is a popular topic for many people in today's world, and for a good reason. After recovering from a rough economic time, many individuals are finding that they've fallen into debt somewhere along the lines. Fortunately, several programs are willing to forgive your debt, depending on the circumstances and severity of your case.
If you've met the criteria for a debt forgiveness program, you might be able to have most (or all) of your debts cleared from your name, giving you the wiggle room you need to repair your credit score one healthy purchase at a time.
Now, there are different types of debt forgiveness, and it depends all on what kind of debt you owe.
One of the most common types of debt forgiveness is federal student loan forgiveness. While virtually anyone can apply for debt forgiveness, the criteria to get approved can vary depending on what debt forgiveness policy you are working under, or what company you are going through. Your approval can also depend on things such as how many payments you've made on the debt, or how long you've had the outstanding debt.
Every program is different with their application prerequisites and approval may be based on a variety of factors. If you have a credit repair company on your side and working with you on credit management, give them a call. They may be available to search for programs you qualify for, making the process easier on your end.
Can I Recover from Credit Card Debt?
To give you the short answer, credit card debt is absolutely something you can recover from. In fact, credit card debt is one of the most common types of debt in the country behind mortgage debt and student loan debt.
Luckily, credit card debt can be rather straightforward, and it's an easy type of debt to overcome. With good practices, understanding the fundamentals of financial responsibility, and learning about how credit cards work, you'll already be on your way to repairing your credit. After you've recovered from credit card debt, you can begin a journey to credit repair, improving your score so you can qualify for better credit card choices in the future. After all, credit cards aren't bad – they're just commonly mishandled.
How do you keep track of credit cards, though?
The first step is learning how to select the right credit card for you and your situation.
Your level of income, payment plans, and what level of control you want over your credit card.
Do you want to be able to set your own financial limits on the card, spending what you need when you need it?
Perhaps you want to put a hard limit on what you can spend so you have a structure to work within, such as with a secured credit card.
Maybe you're a student, and you just want to start building your credit to afford that apartment you've had your eye on across from campus?
The best way to recover from debt is to not get into debt in the first place, making your payments on time and building a healthy credit score. Unfortunately, even if you select the best credit card for your situation, mistakes can be made. We can all make mistakes, misread terms, or jump into something thinking it would be in our best interest and it wound up not working out. Perhaps you didn't know better or were hit with fees that you didn't expect because you didn't read the fine print.
No matter the situation, the end result looks very similar: credit card debt.
How do you repair the debt and save your credit? We'll discuss a variety of methods and options available to you in the Debt Forgiveness and Consolidation section of our website.
My Credit Is Damaged and I Need Help – How Can I Find the Best Credit Repair Companies?
It's important you're making informed decisions about your credit management techniques and applying all the good practices for your current situation, but that's not always enough. Sometimes, you just have to put your credit score in the hands of a credit repair professional.
Whether you're looking for the peace of mind having someone else handle it, or you're just feeling out of your depth and need a little help, hiring a credit repair company can be an excellent decision. You'll quickly find, however, that the credit repair business you work with is an important decision – perhaps as important as deciding to repair your credit in the first place! Some credit repair companies will see you just as another client and another paycheck coming in, not necessarily people who are seeking help and are trying to better their financial future.
Unfortunately, setting out to look for the best credit repair companies around can lead you to feel a little lost in the reeds, and no one wants to go into business blind. There are so many companies to choose from, how do you evaluate their services for yourself without taking a risk and putting your credit score in their hands? If you don't get what you needed to out of the business relationship, you're taking the risk of coming out worse than when you went in. We've taken it upon ourselves to review some of the top dogs in the credit repair world, giving you an in-depth analysis of just why they're so great, and what you can expect by doing business with them.
We really dig into the subject and review the companies who have risen to the top – the best of the best. We outline not only who, but the why behind our decisions, and what we think is so great about them. It's one thing for us to tell you who we think is best and leave it at that, but we want to go a step further and provide you with the information you need to make a better, more informed choice. We've given it our all and provided everything we could up until now, why would we ever skimp on something as important as who to choose for your credit repair company?
You can find many of our extensive reviews in the Credit Repair section of our website.
Closing Thoughts
Above and beyond, we are committed to teaching you about credit scores, credit repair, debt, loan forgiveness, and everything in-between. It's our job to make sure you are aware of your options and understand how to go about repairing (or managing) your financial reputation in today's growing economy.
Whether you have good credit, bad credit, or no credit, we hope the topics we outline and discuss on our website have brought you some insight and understanding into the world of financial responsibility. We value the ability to be able to teach everyday people just like us about a subject many avoid, fearing the complexity of it. After a time of economic downfall, personal finance and credit repair is a subject that is only becoming more important and more relevant to our daily lives. By improving the quality of someone's finances, we hope we are improving the quality of their lives.
We understand that a bad credit score can hurt your financial reputation and make it harder for you to apply for that loan you need, or make you turn to the high-interest cash advance loan store down the street. Now, if you're in a tight spot and your credit is already damaged, it can seem like the toll it takes is not as severe as it might be with good credit. After all, what more do you have to lose? Well, the worse off a credit score is, the worse off your options are. There are, however, plenty of ways to repair your credit and climb your way back to a healthy credit score in time. The choice is yours.
Taking preventative measures is the best credit repair that you can find. At Personal Finance Tips, we are dedicated to making sure you understand more about what your options are, and at the very least, where to turn to.
We understand what it's like to be in your shoes. We understand it can be an overwhelming subject to dive into, which is why we created this site. Instead of trying to find a place to start and getting overwhelmed by all the options and all of the information that's out there, we wanted to make your credit management as seamless as possible and easy to learn.
It's important to understand that you can take control of your finances and overcome your debt, and we want to help facilitate that strength in families across America. There are options available to you, and we're here to help you understand the fine print at the end of every contract, every credit report, and every credit card application by putting the information in your hands. You are not alone in dealing with financial hardships – it may be one foot in front of the other that gets you to the end of the marathon, but it is possible.
We hope you enjoy your time here at Personal Finance Tips, and we sincerely hope that the information we provide on this website helps you build a better, more financially responsible future for not just yourself, but for your children, too.
Are you still not sure where to turn?
You found our site, and you've read about what we do and who we are, but you're not sure where to start when it comes to actually learning about credit repair, debt consolidation, or personal finance. Does this sound like you?
After all, what if you want to know about all of it? Which subject would give you the most benefit right now?
You might be reading this on your lunch break. It might be the few minutes you get to yourself in the mornings before you take the kids to school, or even that half hour of free time you get before you head to the bedroom and get a night of rest. Maybe you're in college reading up on building your credit instead of doing your history exam. We say this to emphasize that we understand that you don't always have the time to sift through dozens or hundreds of topics to find the one that you need.
To help you organize your journey into personal finance, we've set up our site to showcase our most popular topics:
Are you in the market for a cash advance, student loan, mortgage or auto loan? Loans are a hot topic in recent years, especially as many people are still recovering from economic hardship. To help prevent people from falling into debt by mishandling their loans, we wanted to cover this subject and help ensure you understand how to recover from loans easily. By paying off your loans in time and knowing what to expect from the terms, you can keep your credit score healthy and get the lowest interest rates possible. From fine print to APR, and different types of loans, we discuss it all.
Credit Cards
Are you interested in learning about credit cards? The pros and cons, which credit cards we consider the best, and how you can get approved for a credit card even if you have no or even bad credit? Maybe you're a student who is looking to get approved for a secured credit card, ready to start building credit. We cover that and more.
Debt Forgiveness and Consolidation
Not many people realize the benefit of debt forgiveness and how important its role in relieving your monthly debt can be. If you're struggling with debt, it can be tough to make ends meet. We wanted to take the time to discuss how debt forgiveness typically works, as well as different options you may be eligible for. Furthermore, if you have multiple debts, did you know you might qualify for a debt consolidation loan? We'll explain how, what the benefits and risks are, and we'll even teach you about the debt to income ratio, which may just save your wallet in the long run.
Credit Scores and Reporting
Whether you want to know what credit scores are considered good or bad, how to get a credit check total, or learn more about the fair credit reporting act, we have you covered. We also teach you about credit reporting and how to read your credit report once it comes in. Even if you have a good credit score, it's good practice to monitor it on a regular basis to ensure no discrepancies pop up in the paperwork, ensuring smooth sailing when it comes to credit checks.
We believe that learning what a good credit score is and how to check it are some of the fundamental steps to repairing your credit. After all, to fix something, you first have to familiarize yourself with it.
Credit Repair
Forget bad "credit repair companies" trying to nickel-and-dime you for their services, piling up their fees until you leave their office with a worse credit score than when you came in. The real credit repair pros can repair a bad credit score in no time at all, leaving you with sound financial advice and opportunities for the future.
We discuss the best methods of credit management, how to build credit, credit repair, and much more on this section of the website. We even take time to write in-depth reviews of the best credit repair companies we know, getting your credit repair efforts started out on the right foot. No matter how bad your credit is or how much debt you've accrued in the past, your journey to a healthy credit score starts with credit repair.


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So, so many of the phones we review here at WIRED are boring. There's really nothing special to tell you about most of them. We can talk about processors or fun camera tricks, but like the paintings of Thomas Kinkade, every phone is just a variation on a common theme.
The Blackphone 2, the second device from the Swiss company Silent Circle, is unique. It promises a fully private experience, with advanced security features, deep permissions management, and encrypted voice, text, and video chat built in. The phone, which runs a heavily modified version of Android, lets you fiddle with the most granular permissions settings of all your apps, giving you a level of privacy control that far exceeds that of regular Android phones. And when you make a call, send a text, or fire up a videoconference, your communications travel encrypted across Silent Circle's private cloud VPN, better protecting you from spies.
There are a few phones on the market that tout heightened security and privacy features, most of them hoping to attract the buyers at enterprise businesses who manage fleet purchases (the people who used to, and probably still do, keep Blackberry afloat). No doubt, the Blackphone 2, with its support for all the big enterprise device-management platforms (Good, Citrix, etc), is aiming at these buyers too. But many of those made-for-enterprise devices are clumsy and out of step with the consumer market. Workers accept them begrudgingly and openly wish they could just use their "real phone." The Blackphone 2, however, could solve that. It has all the appeal of a modern, 5.5-inch consumer Android phone, albeit one that's better protected from snooping and malware.
The Blackphone 2 is sold unlocked for $799 starting today, and it will work on any LTE or 3G/HSPA+ network. You just pop in a Nano SIM of your choosing.
I'm Calling Security
Silent Circle has secured its latest handset all the way down to the chip level. The company partnered with Qualcomm to create a chip that can be securely partitioned, so the user can set up unique "Spaces," keeping work and personal stuff separate. Each space has its own privacy settings, its own app permission settings, and its own allocation of system storage (the phone ships with 32GB, but there's a microSD card slot for more). Regular Android 5.0 allows users to create separate spaces in the OS, but the Blackphone 2 keeps each space entirely separate from each other at the chip level, while also giving you more granular control over the permissions and security options for each space.
The company is able to do this on the Blackphone 2 because it's developed its own heavily modified (and endorsed by Google!) version of Android. This bespoke build of Lollipop lets Silent Circle incorporate a few neat tricks that, once you use them, you realize should be enabled on all mobile phones. The company is able to deliver its own OS updates and security patches over the air, without having to wait for carriers to verify them. It enables Silent Circle to ship the phone fully encrypted by default. There's nothing to switch on, no acronyms to untangle. Most valuable, though, is the extended privacy controls for apps on the Blackphone 2.
This new device blows apart every preconception you might have about a 'security phone.'
Open up the Settings panel on your own handset—iPhone, Moto X, Nexus 6, whatever—and scroll through the apps' permissions. Take note of the various privacy settings and data-sharing permissions you can toggle on and off for each app. If you open up the "Security Center" settings panel on the Blackphone 2, you'll see more options for each app. A lot more, often nine or 10 permissions settings for a single app. The Blackphone's version of Android can do this because rather than just showing you the settings the app developer chooses to expose, the OS does an audit of an app's code during installation. Silent Circle can uncover all of the different bits of data and pieces of hardware the app wants to access, delivering what is essentially a super-menu that lets you toggle every last possible permission.
Some of the finds are surprising, like the social networking app that wants the ability to access and delete your phone's call log, or the fact that almost every app, even the most basic of utilities, wants to see your contacts. Most of the permissions sliders are meant to protect your privacy and to keep your phone secure, but some are just downright useful. I took great joy in disabling apps' abilities to access the phone's vibrate function, get raw location in the background, or to keep the screen awake. Putting every last possible setting in one place is a very sane approach to permissions management; such direct sunlight should be the norm.
Plays Nice With Humans
Other security-minded features include a randomized keypad for the screen unlock code, and the ability to wipe the phone remotely. There's also a feature Silent Circle is calling "Brace for Impact" which lets you zap only specific apps and data on the phone but leave everything else untouched. Useful if you're, say, FedExing it across the country.
However, certainly the most important security feature on this phone is that all of this stuff is very easy to use, and presented in a way that's simple to understand. We've seen secure mobile devices before, including Blackphone's previous attempt at phone hardware. But as secure as those handsets are, for normal phone-buying folk, they are about as tough to grok as a Jodorowsky movie dubbed into Ferengi. This new device blows apart every preconception you might have about a "security phone." It doesn't feel like a security phone. It feels like a regular phone. Regular apps will run on it. Go ahead and download whatever you'd like from the Google Play store—because of that code audit procedure, if you happen to download malware, the OS will warn you in many cases where a regular Android phone wouldn't know the difference (Silent Circle also pre-audits apps and makes them available in its own app store too). Use it for Facebook, use it for Twitter, use it for your Instagram selfies. Give it to your kids and let them play Minecraft. Let them videochat with grandma securely and fully encrypted, wrapped in a cozy blanket of ZRTP.
Black Holes
Performance lags a bit compared to the latest iOS devices and the big Android phones. The Blackphone 2 runs a Snapdragon octa-core processor and has 3GB of RAM, but I still experienced some lag when scrolling in Chrome, flipping through my Twitter timeline, and editing docs in Google Drive. It's not a deal-breaker, but you should be aware that you're trading some performance for the increased privacy. One other thing: when you buy this phone, you get a free year's subscription to Silent Phone, the company's secure communications service that lets you call and text and chat through Silent Circle's private VPN. (The VoIP/chat app is also available for Android and iOS users, too.) When that year is up, you have to pay $10 per month to keep the service active. It's not a huge cost, but 10 bucks is 10 bucks. I suppose it's difficult to put a cheaper price on peace of mind.


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Web2Open sessions are meant to stimulate conversation on your Web 2.0 successes, challenges, questions and curiosities.
This year, Web2Open will feature a handful of pre-scheduled hybrid and discussion sessions seeded with people who are passionate about their topics.
Web2Open is a great way to network with other attendees, learn more about elements of Web 2.0, and share your experience!
Get more details and see the full program schedule on our Wiki
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We've got a strong line up of speakers in the main conference program so we selected the following sessions as "hybrid" talks, accessible to Web2Open registrants. These sessions will be followed with same-topic, speaker-led discussions in the Web2Open rooms.
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Last year, the prince faced claims that he had hit a paparazzi photographer at a London nightclub, cutting his lip.
The Crown Prosecution Service considered cautioning Prince Harry, but decided it would not be in the public interest and no action was taken.
In 2002, Prince Charles ordered his son to attend a drug rehabilitation clinic, after Prince Harry admitted smoking cannabis and taking part in heavy under-age drinking sessions.
But Prince Harry is not the only royal to have blundered his way into the media spotlight.
Comments by his grandfather, the Duke of Edinburgh, Prince Philip, have often been criticised.
In 1996, amid calls to ban firearms after the Dunblane shootings, a comparison by the duke made headlines.
He said: "If a cricketer, for instance, suddenly decided to go into a school and batter a lot of people to death with a cricket bat, which he could do very easily, I mean, are you going to ban cricket bats?"
Charles memo
During a visit to a Bristol nursing home in 2002, Prince Philip asked a woman in a wheelchair whether people tripped over her.
And on a 1986 trip to China, he infamously told a group of UK students: "If you stay here much longer, you'll all be slitty-eyed."
Prince Charles sparked a more recent furore when a memo to a former member of staff emerged, in which he said the UK's "learning culture" gave people hope beyond their capabilities.
"What is it that makes everyone seem to think they are qualified to do things far beyond their technical capabilities?" he wrote.
He blamed a "child-centred system which admits no failure" and tells people they can achieve greatness without "putting in the necessary effort or having the natural abilities".
The prince later said his comments had been "misrepresented".
He added: "I hardly dare say anything. I don't really want to teach any more grandmothers to suck eggs."
Meanwhile, Princess Michael of Kent recently had to deny claims she told a group of neighbouring noisy diners to "go back to the colonies".
Prince Edward
Then there are Prince Harry's aunt and uncle, the Earl and Countess of Wessex.
Prince Edward's company, Ardent Productions, was accused in 2001 of trying to film Prince William at his university in breach of an understanding reached with all other sections of the news media.
The footage had to be handed back to Buckingham palace.
That same year, the Countess of Wessex was forced to resign from R-JH - the PR firm she founded - after revelations were made in a Sunday newspaper about comments she had made to an undercover reporter.
The countess made unguarded comments about senior politicians and members of the Royal Family during a secretly taped conversation with two News of the World reporters posing as an Arab sheikh and his aide.


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KIIS FM - LA's #1 Hit Music Station
Don't miss out on the latest from KIIS FM, LA's #1 Hit Music Station.
To download this Add-On, we highly recommend you do it via the user interface in Kodi. Simply look for the "Get More" button in the Add-Ons menu. If you want to install it manually, you can direct download the zip below then in Kodi, look for the "Install via Zip" option.


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Great advice, friendly people, and lots of frogs!
There are currently 487 users online. 0 members and 487 guests
Most users ever online was 11,716, January 11th, 2020 at 03:15 PM.
Well its been a while now and i thought i would give an update on my Awesome decision to GET RID OF THE NASTY WATER BOWL. Mr Pickles is Over 8...


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Get A Free Legal Consultation
- We fight for your largest compensation payout
- Many clients start getting money within 90 days
- No cost or burden to your family
The history of mesothelioma litigation dates back to the Industrial Revolution when asbestos use was in full force. Because mesothelioma has a latency period of up to 50 years, mesothelioma lawsuits have increased dramatically within the past 30 years. Below, we detail the history of mesothelioma litigation – from some of the earliest cases to asbestos litigation today.
Prior to 1982, in the early days of asbestos litigation, non-malignant asbestos cases received the majority of legal attention. Two primary categories of these non-malignant cases were:
Early cases commonly involved workers in pipe fitting, construction and shipyard occupations. Even though mesothelioma was being diagnosed in other occupations, such as steam fitters and oil refinery workers, mesothelioma and asbestos cancer cases accounted for only a small portion of early asbestos claims.
With the influx of non-malignant asbestos cases came the bankruptcy of large companies that manufactured asbestos products. Some of these companies include Keene, Eagle-Picher, John's-Manville and Unarco. Bankruptcy laws at the time allowed these companies to limit or eradicate any obligations for unliquidated personal injury claims such as mesothelioma or asbestos lawsuits.
Following these bankruptcies, mass settlements began to arise within asbestos litigation. Mass settlements grouped together large numbers of mesothelioma lawsuits and resulted in a group settlement as opposed to an individual settlement. This is because the bankruptcies' plan or organization required plaintiffs to submit their claims to a settlement trust, which would pay all present and future claims.
Through the years, courts have had to innovate their methods of tackling the growing number of mesothelioma and asbestos litigation cases. Matrix payments arose as a new way for mesothelioma lawsuits to be settled. These matrix payments involved a mesothelioma lawyer submitting documents like medical records and asbestos exposure evidence to the defendant company that then evaluated the documents and wrote a check to the plaintiff.
Going with a matrix system or mass settlement can result in compensation far less than what is deserved. Instead, it's best to choose a mesothelioma lawyer who will work with you to file an asbestos lawsuit through the court system so proper justice can be sought.
In 1965, a publication by the American Law Institute of The Restatement of the Law of Torts made it clear that anyone who sells or provides dangerous or defective products to a consumer is liable for the harm the product causes. Since the courts decided that asbestos manufacturers knew of the dangers of asbestos, this led to a substantial increase in the filing of tort litigation, which involves an injured victim seeking legal compensation from the individual or individuals who harmed them.
In the decades that followed, tort litigation became an effective substitute for both workers' compensation systems and government-run trust funds. Workers' compensation, in particular, was designed for instances such as broken arms and disabling conditions, not for occupational diseases. Also, many employers and their insurers would challenge their workers' claims and avoid admitting asbestos was the cause of their harm. Because of this, the number of claims filed by individuals exposed to asbestos rose dramatically between the early 1980s and 2000s.
In 1990, a group of federal judges, known as the Judicial Panel on Multidistrict Litigation (JPML), coordinated all pending asbestos cases in the federal courts and sent them to a single judge in Philadelphia. This caused a delay in mesothelioma litigation across the country and led to the filing of mesothelioma lawsuits in the state courts rather than federal courts.


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List of 46+ Corel DRAW training institutes located near to you in TamilNadu as on August 11, 2020. Get access to training curriculum, placement training, course fees, contact phone numbers and students reviews.
Yet5.com Provides complete list of best Corel DRAW training institutes in TamilNadu and training centers with contact address, phone number, training reviews, course fees, job placement, course content, special offers and trainer profile information by area.
We have identified the benefits of learning corel-draw course in TamilNadu.
Corel DRAW training in TamilNadu is part of Animation Multimedia training course class, CorelDraw is a vector graphics editor developed and marketed by Corel Corporation. It is also the name of Corels Graphics Suite, which bundles CorelDraw with bitmap-image editor Corel Photo-Paint as well as other graphics-related programs. The latest version is designated X8, and was released in March 2016. CorelDraw is designed to edit two-dimensional images such as logos and posters.
This course covers all of the important functionalities of the software and also introduces the candidates to new practical problems and their solutions too.
Tamil Nadu or the "Land of Tamils" is located in the southern most part with Chennai as its capital city. It is predominant that Tamil Nadu is one of the most literate states in India and students and people from all parts of India have come and settled in Tamil Nadu for education and employment. Tamil Nadu has 37 universities, 552 engineering colleges, 449 Polytechnic Colleges and 566 arts and science colleges, 34335 elementary schools, 5167 high schools, 5054 higher secondary schools and 5000 hospitals. Some prestigious institutes and universities located in Tamil Nadu include IIT Madras, IIM Trichy, Indian Maritime University, Dr. Ambedkar Law University, Madras Medical College, Loyola College Chennai, Ethiraj College for Women, Stella Maris College, Anna University, Government College of Technology Coimbatore, Tamil Nadu Agricultural University and so on. Tamil Nadu houses countless number of IT companies including CTS, Infosys, Wipro, Tech Mahindra, Capgemini, Verizon, Soliton, Mphasis, Accenture, Zoho and many more inclusive of countless number of Start-ups in majority of its cities. Tamil Nadu offers employment and enhances people's career in all streams.
You have travel connectivity to corel-draw course educational training institutes in TamilNadu. Tamil Nadu has four international airports such as Chennai International Airport, Coimbatore International Airport, Tiruchirapalli International Airport and Madurai International Airport. In Tamil Nadu, Salem Airport and Tuticorin Airport are domestic airports. Tamil Nadu serves excellent waterways and has three major seaports located at Chennai, Ennore and Tuticorin, as well as seven other minor ports including Cuddalore and Nagapattinam. Road transport in Tamil Nadu is provided by Tamil Nadu State Transport Corporation and State Express Transport Corporation. Every part of Tamil Nadu is well connected by buses that ply 24 hours a day. Autos, Taxis, Cabs are quite feasible for commuting in the streets of Tamil Nadu. Tamil Nadu has a good rail network which is a part of Southern Railway that commutes within intercity, intracity, and intra state, covering almost all states of India.
Below is the Corel DRAW course content in tamilnadu used by the training institutes as part of the Corel DRAW course training. The Corel DRAW course syllabus covers basic to advanced level course contents which is used by most of Corel DRAW training classes in tamilnadu .


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Monthly Archives: June 2014
Word of the Week Challenge 6/10/14
A Brunette's Reflection Word of the week challenge– drum roll please…. Verisimilitude. Can you wiggle this word into your work week? Hope you have fun with it! The last word was exculpate. This week I was listening to something on the web and heard the word verisimilitude. I thought for sure I knew the meaning so I did a quick search and I was wrong! Gasp— okay, maybe I wasn't that surprised I was wrong– Whatevs… The definition of
Example: Being close to the truth.
Example: The fictional book I read had a thread of verisimilitude running through the story.
Can you use this word this week??
Protected: R.A.N.C.H…Chapter 6,7,8 Sci Fi/ Adventure
Quote by C. J. Lyons
1st, 2nd, or 3rd person? How are you writing your story?
I think every author struggles with this at some point in their projects. This is s great short video by Cy Porter explaining 1st, 2nd and 3rd person.


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These days, James Franco is still somehow generating more output in a month than some creatives do in a decade. For his latest trick, he's taking on Renaissance sculpture through the medium of video art. Naturally, that means he's had a bunch of people filmed while being covered in clear goo. And it somehow makes more sense than you think.
The video was commissioned by Sotheby's to celebrate their sale of works by Florence's Della Robbia sculpting dynasty. It's part of the auction house's Artist Response series, in which they invite contemporary artists to create new work inspired by or in conversation with classical works.
The first notable member of the Della Robbia family was Luca della Robbia. He was your run of the mill sculptor working in Florence in the 1440's until he developed a unique process of glazing terra-cotta. It allowed the pieces to reflect light and retain deep colors, and the coating allowed the pieces to hold up better against the elements. Della Robbia then handed down the process to his nephew Andrea, and the business was eventually taken over by a great-nephew, Giovanni. The Sotheby's exhibition includes pieces from all three family members.
Here is where Franco comes in. Taking the glazing process as his starting point, he decided to drench models in shiny, clear goo like it was the Nickelodeon Kid's Choice Awards. Except, you know, for art.
Watch the results here:
"I was immediately struck by the vibrancy and shine of the glaze of the Della Robbia sculptures in this show, especially the human forms frozen in time as icons. To mimic and modernize these sculptures, I wanted to create living icons emphasizing the glazing process," said Franco in a statement, according to The Creator's Project. "I filmed them in slow motion so the viewer relishes in the passage of time and can imagine the tangible feeling of the liquid covering each living sculpture."
Each setup in the film is meant to mimic a specific work by a Della Robia. In case you're wondering, this is what a real Della Robia looks like:
The exhibition is on view in New York until November 18th.
Watch James Franco take W's Screen Test:


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This is a test of the emergency Broadcast system.
TSSA Hall of Fame
During the TSSA annual general meeting for 2015, John Talley and Larry Creson were inducted emeritus into the Tennessee Soccer Hall of Fame. Both John and Larry gave so much to soccer from developing the Mike Rose Soccer Complex to mentoring many youth soccer players. The family traveled to Nashville to receive this prestigious award. Both families have established charitable funds. We would appreciate any donations.
John Talley Pediatric Neurological Research Fund
PO Box 42048
Memphis, TN 38174
Larry Creson Scholarship Fund
365 South Sanga Rd.
Cordova, TN 38018
At this time The Mike Rose Soccer Complex (MRSC) will continue to follow the guidelines of the CDC, Tennessee State Soccer Association (TSSA), and Shelby County.
For more information please use the following link: TSSA Return to Play July 1 - extended
see field conditions email
MRSC Field
Sign up!
2020 TSSA Hall of Fame
On February 1st, Carey Talley was inducted into the TN Soccer Hall of Fame. On behalf of the Memphis soccer community, we congratulate him on this prestigious award.
Carey played professionally in the MLS for 13 years, is currently the Director of Coaching for the Germantown Legends and Director of Marketing at the Mike Rose Soccer Complex.
We appreciate his hard work and dedication to the advancement of soccer.
9000 East Shelby Drive View Map and Directions
Memphis, TN 38125
(901) 751-4223 phone
(901) 751-3541 fax
A Shelby County Government Facility privately managed
and operated by OS Memphis with 16 FIFA lighted playing
fields and a 2,500 plus seat stadium.
Learn about sponsorship opportunities


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Financial aid increases, long-term investments in academic priorities continue.
The George Washington University Board of Trustees on Friday approved the university's fiscal 2018 operating and capital budgets, which run from July 1 through June 30, 2018.
This budget represents the university's continued efforts to make strategic long-term investments in academic priorities, enhance the student experience and increase financial aid during the upcoming fiscal year.
The more than $1 billion operating budget includes graduate and undergraduate financial aid totaling more than $297 million in order to meet the anticipated need of students.
The budget also includes increased funding to support online education and maintaining performance-based merit raises. Internal cost cuts, reductions in leased space, utility savings and other efficiencies helped to fund the investments.
The fiscal 2018 capital budget expenditures total approximately $67 million and continue the university's investment in previously approved major capital projects that will deliver enhanced facilities in support of the university's academic mission, including upgrades to School of Nursing and School of Medicine and Health Sciences labs, infrastructure and classrooms. Also included are renovations to the Corcoran School of the Arts and Design's 17th Street building and to Corcoran Hall, and improvements to residence halls, including Fulbright, JBKO and Francis Scott Key. The spending plan also includes ongoing investments in sustainability efforts that reduce GW's carbon footprint and utility costs and assist in upgrading building infrastructure and equipment.


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View a slideshow of 'Do you recognize this man?' and other National Dogs pictures.
via Pictures – Do you recognize this man? – National Dogs | Examiner.com.
This man is needed to be found and re joined with his owner who was seen crying next to his cage cause he did not have the funds to get him out. The funds have now been raised, but now the man needs to be found. Please help and Re Post to the max !


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Walnut Creek, CA 94597GET DIRECTIONS
Call Us
Phone: (925) 933-6012
Mon: 9AM-5PM
Tue: 9AM-5PM
Wed: 9AM-5PM
Thu: 9AM-5PM
Fri: 9AM-5PM
Sat: Closed
Sun: Closed
Thank you for visiting the website of Mary Brody Residential Designs. Our home designer creates construction drawings for new homes, remodels and home additions in the Walnut Creek, California area.
Send us a message to request a free consultation. Our designer looks forward to hearing from you.


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Apartment in Minsk! Street Prytytskaga on 45 in Minsk. For daily rent one bedroom apartment, excellent location! Near Metro Sports.
Excellent apartment with a full repair. Near the apartment are bars, cafes, pizzerias, a casino, ice rink and many more entertainment places of entertainment. Just next to a grocery store or pharmacy. Sleeping area.
The apartment can accommodate 4 people at the same time. Cleanliness and order are provided!
The apartment is equipped with a widescreen TV, cable TV, air conditioning, microwave, anytime access to the Internet, have all the necessary small appliances, such as iron, kettle.
The services include delivery of food at home.
Provide a shuttle service and other extra according to a separate agreement.


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Raffles Place, Singapore, SG
United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices.
Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.
The Global Market function leverages our in-depth knowledge of markets to provide timely financial advice, products and solutions to our clients. Together with our segment managers, we manage our clients' investment, liability and risk management needs through a comprehensive suite of treasury products and services across multiple asset classes.
The candidate(s) will report into the Global Markets/Global Business Management/Product Support Department as part of the Global Markets Platform (GMP) implementation team and will primarily be responsible for new product implementation, maintenance and daily Business-As-Usual support of Global Markets front office risk systems. His / Her responsibilities include:
- Working with front office traders to understand the business needs for trading, including derivatives payoff variations, product specifications, risk reports, trade-related reports etc
- Translating new front office requirements into proper Business Requirements Documents
- Working with Technology to participate in system design, user acceptance test, troubleshooting and ensuring that new front office system needs are being met in any implementation.
- Provide presentation and knowledge sharing to all downstream users for new product rollouts
- Working with Operations, Risk and Finance divisions to create a seamless end-to-end process covering all aspects of the trade life cycle
- Regular communications with front office on implementation activities that requires their attention
- Investigate and deduce issues raised by FO relating to trading systems, product payoff variations, PnL distortion, risk variations, trade life cycle and work process
- Collaborate with vendor to resolve system issues, making sure all issues are addressed effectively and timely
- Provide training on the proper use of Global Markets Platforms
- Actively manage all user queries on functional, system or processes, and ensuring that all cases are logged, closed or worked upon appropriately on a daily basis.
- Process documentation
- Products under support includes Foreign Exchange, Money Market and Interest Rate derivatives
- A Bachelor or Master degree in Applied Finance, Computational Finance, Computer Science, Technology and relevant discipline from reputable institutions
- A minimum of at least 2 years' work experience in front office support or middle office role
- Knowledge of Treasury products in particular FX, FX Derivatives, IR Derivatives and money market products
- Knowledge of Treasury applications in particular Murex is a major advantage
- Strong analytical and problem solving skills
- Strong presentation and meeting skills
- Good programming skills in languages such as Python, SQL+, Java, or any others
- Good Design Thinking skills
- Proactive and has initiative to thrive in a fast-paced environment to deliver and meet deadlines
- Highly resourceful, self-motivated and conscientious with excellent verbal and written communication skills
- Good user relationship management
- End-user focused and empathy
Apply now and make a difference.


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Google Now is good at learning your routine and anticipating your search queries, but what about planning a field trip?
The latest Google Now feature from the search engine giant will help you to do just that.
Taking your location and current traffic into account, Google Now's Field Trip option will automatically find local sights and points of interest and automatically plan a trip for you to go and acclimate yourself with the endemic culture.
Google's been suggesting local spots you may have not been privy to for the past two years now, but has recently added more information on art and architecture that you'll be able to go and check out, should you be so inclined. The suggestions show up as their own separate cards within Google Now, and if something piques your interest, all you need to do it tap on the card to learn more.
It's a nifty new feature that'll take some of the guess work out of finding cool things to do when you're in a new city. Anyone excited to use Field Trip to expose themselves to the local culture of a place they've never visited before? Or will you be swiping that card away in annoyance once it pops up as you're trying to check your favorite team's scores?


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Top Videos
Singles & EPs
About Funkdoobiest
Protégés of Cypress Hill superproducer DJ Muggs, Funkdoobiest -- as their name made clear -- specialized in a stoner-friendly brand of Latin hip-hop that often recalled their mentors. The group was formed in Los Angeles in 1992 by Puerto Rican MC Son Doobie (born Jason Vasquez), Sioux MC Tomahawk Funk (born Tyrone Pachenco), and DJ Ralph M. (born Ralph Medrano, who'd previously worked with Kid Frost). The trio became part of the Soul Assassins crew, along with Cypress Hill and House of Pain, and landed a deal with Epic in 1993. DJ Muggs produced their debut album, Which Doobie U B?, which appeared later that year and went gold on the strength of singles like "Bow Wow Wow," "The Funkiest," and "Freak Mode." Now established as cult favorites, Funkdoobiest returned in 1995 with Brothas Doobie, which was somewhat less successful but did produce a couple more underground hits in "Rock On" and "Dedicated." Following Brothas Doobie, Tomahawk Funk left the group to raise his family. Funkdoobiest reconvened as a duo, switched to RCA subsidiary Buzz Tone, and recorded their third album, 1998's The Troubleshooters, without Muggs behind the boards. Their newly revised sound incorporated soul and stronger Latin influences, and resulted in the underground hit "Papi Chulo." By 2002, Son Doobie was reportedly working on a solo album. ~ Steve Huey


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Tag: Open Letter
An Open Letter To My Gay Brother In Christ
Dear Isaac, Thank you for your open letter to me published in The Huffington Post. The first thing I want to make clear is that I really do love you, brother! Although you disagree with some of my thoughts and beliefs, I truly do feel loved by you. My prayer is that you know you are … Continue reading An Open Letter To My Gay Brother In Christ