Fat Joe And Kanye West Recruit All-Star Lineup For 'Pride N Joy'
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Kanye, Jadakiss, DJ Khaled, Busta Rhymes, Roscoe Dash, Miguel and Mos Def turn up on Joe's breezy love ode.
By Rob Markman


Fat Joe
Photo: Getty Images

Fat Joe has one heck of a poker face. Back in April, after studio pictures of Joe Crack, Kanye West, Jadakiss, Busta Rhymes and DJ Khaled made their way onto Twitter, the Bronx rapper played coy when MTV News asked him about the photos.

"Hip-hop moments, that's it. It was just a back-in-the-days hip-hop moment," Joe Crack told MTV News about the all-star studio session one week after the pictures leaked. "For, like, a whole week, we've just been vibing, everybody's been vibing with each other, and it's a beautiful thing."

Joey told MTV News that he, Yeezy and the gang were "discussing hip-hop politics," but they were clearly up to so much more. On Wednesday night, the Terror Squad leader hit iTunes with "Pride N Joy," a breezy love ode featuring Kanye, Miguel, Jadakiss, Mos Def (Yasiin Bey), DJ Khaled, Roscoe Dash and Busta Rhymes.

Only Yeezy and Joe actually rap on the track, trading rhymes back and forth for a few bars. "Birkin bags made of python, she's a beautiful nightmare," Joe raps before 'Ye chimes in spitting, "Turn the lights on." Interestingly, Joe recruited capable MCs Miguel and Roscoe Dash not to rap on the track, but rather to harmonize on the song's hook.

Cook Coke Crack continues to serenade the object of affection, lyrically showering her with expensive presents like Christian Louboutin shoes and courtside Knicks tickets. On the song's bridge, Jadakiss, Mos Def, Khaled and Bus support Joey's lavish gift-giving when they sing, "And even if she all 'bout the money I don't really care/ I got a lot of money there's enough of it that we can share."

"Pride N Joy" carries a sort of 1990s Native Tongues vibe popularized by groups like De La Soul and A Tribe Called Quest. In that case, maybe Joe's original description of the studio session wasn't too far off after all; maybe it was just "a back-in-the-days hip-hop moment."

What do you think of Fat Joe's "Pride N Joy"? Let us know in the comments!

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Islamists flee as AU, Somali troops seize rebel stronghold
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Should I Buy a Food Processor or an Immersion Blender? Product ...
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I love my immersion blender. Especially if you are short on space, it's handy because it saves you a lot of bulky dish-washing. I use it and then run it in a big plastic cup of soapy water to clean it. The only downside is that it can't handle certain jobs like crushing ice or large chunks of frozen fruit. BUT if you let the fruit sit for a little while in the milk or whatever you are using for your smoothie, it may get mushy/slushy enough to let the immersion blender handle it. I would definitely go with the immersion, then maybe a bullet later!

Should you buy a food processor or an immersion blender? Yes.

i agree, for smoothies and soups, immersion blender is best of the two. though, i would almost recommend getting a regular blender. that's the BEST for making smoothies. an immersion blender takes a lot of muscles to break down the frozen fruit (if you use frozen). we also used to use the food processor for smoothies because the immersion blender was too difficult, and liquid would seep out of the bottom of the bowl, because the inner "hole" where the blade goes is not the full depth of the bowl (kitchenaid).

so, BLENDER is my recommendation, not immersion blender OR food processor. there are few things that you can't do with a blender that a food processor and immersion blender will do....

I would recommend an immersion blender. I am fortunate to have both, but really anything you want to make with a food processor you can make with an immersion blender (but it might take a little more work). From working in restaurants, I can tell you both are great, but with an immersion blender you can make everything from smoothies to soups. I found one at a thrift store for I think $3.

I have an immersion blender that came with a mini food processor attachment -- that might be a good compromise for you? Cuisinart Smart Stick

While I love the immersion blender for certain tasks (pureed soup, ginger salad dressing), I've found it pretty impossible to use it on ice cubes or frozen fruit. It just doesn't make a dent if there's not enough liquid, and "enough" liquid is usually more than I had planned to add.

The mini food processor just doesn't measure up to a full one -- I'd love to have a full-size one to grate zucchini or cheese -- but it is useful for making breadcrumbs, salsa, etc.

I have the immersion blender in the first link above, and it's great. It comes with a whisk and a mini food processor attachment, both of which have been very useful.

I have a few recipes for pie dough that work best in a food processor, though, and I'm not sure how you'd do that with an immersion blender.

For what you mentioned, though, I'd go with the immersion blender (or both, in the case of the Cuisinart). Plus, it's so much easier to clean.

@KASCHWA, ah, I forgot about the whisk! I love it for making whipped cream and beating eggs.

In my transition from college to adulthood to family life, I had a blender, then a mini prep food processor (gift), then an immersion blender (hand me down), then a food processor (wedding gift). That progression worked for me and I recommend it, though a multitasker like the immersion blender that also has a blender jar or processor attachment could be a great way to go. I still use my blender more than any of the other items.

I too would vote for a straight up, full size (not single-serving) blender for frosty drinks, soups and purees. That seems the most practical for a college student. The food processor really depends on what you're trying to make. Its big advantage is dicing/shredding lots of food at once, saving a lot of hand/knife time. But if it's tiny, you're either making small batches anyway that you could replicate by hand or with a blender (e.g. pesto) or you're making tons of batches (I once made pumpkin risotto with my mini prep and it took forever). I never really needed or used my big food processor till I was making family sized portions of things. And the immersion blender, while taking up zero real estate and really handy for hot soup, doesn't do much else for me. In fact, when we moved two years ago, I mislaid it and haven't really missed it. A couple times I've made soup and halfheartedly looked for it, then just pulled out the blender.

I heartily second the immersion blender with tiny processor attachment idea. I love mine, and I think it cost $35 or so. It will enable you to do most of the things it's nearly impossible to do without a machine of some sort (like make smoothies or very smooth dips) and the things it can't do (shred cheese, thin slice veggies, knead bread etc.) are very manageable to do by hand.

I have a terrific full size food processor, and I love it, but if I was someone starting from scratch on a budget I'd no question go the stick blender route first, especially because it's about a 1/3rd of the price.

I don't make smoothies, so I won't pretend to be qualified to answer this, but I'd like to point out that Cuisinart makes a 4-cup food processor that I would (highly) recommend over the more common 3-cup models. It's not a lot of extra space (the footprint is about the same, at least), not too much more expensive, but quite a bit more versitile. I think you'd be surprised what a difference the extra cup makes.

i own a food processor, regular blender, and immersion blender.

maybe i'm doing it wrong, but my basic cuisinart immersion blender does a fine job with smoothies. mine are probably less frozen fruit and more liquid/fresh stuff, but i've had no problems. the stick blender is small and relatively cheap, which sounds perfect.

i do love my food processor, and there are definitely things for which that is a better tool. for example- this salad dressing recipe (http://preview.tinyurl.com/c82vae9) calls for a food processor, and that would have been far superior to the stick blender, IMHO.

i almost NEVER use my regular blender. i'm probably going to sell it at a yard sale this summer because i just don't see the point given how great the stick blender/food processor are.

Get a blender. I had been using a blender for everything for the longest time - soup, sauces, smoothies... and it works decently for all of these. I have a food processor now, but I still use my blender for making smoothies, which I do every morning in the summer.

Immersion blenders and food processors are specialty appliances. You can get them when you've moved on after college :)

And may I recommend hunting down a vintage Osterizer? They cost the same as newer blenders, but work much better, and look great.

Full sized blender = pitchers of frozen margaritas. And kahlua milkshakes. And fruity rum drinks. All staples of my college student diet from long, long ago.

You want a full sized blender.

I agree with most people: Cuisinart Immersion Blender. My gf makes smoothies with it all the time. Best part is that it comes with a plastic "cup" that you can dump the fruit in, blend, and drink.

(It also makes making mayo, salad dressing, and whipped cream dead simple.)

I echo the sentiment on going for a full sized blender. They are easy to clean, and you can do a lot more with it than you can the immersion blender. (i.e. slushy drinks to serve a crowd).

Our blender broke a couple years ago and we needed something in a pinch. We are also short on storage and counter space so we picked up a Cuisinart Immersion Blender the next day and we decided we never needed a blender again. I don't even miss it and it is so easy to clean. We use it almost every day to make smoothies, baby food, soups, coffee drinks etc. for a family of 5. We got a mini food processor for our wedding 8 years ago and I could probably count on one hand the amount of times we have used it and we cook from scratch A LOT. The immersion blender can do pretty much everything adequately enough and takes up less space.

I only have an immersion blender and I LOVE IT - but it does really different things than a food processor and I want one of those too. I've messed up quite a few reciepes by trying to use my immersion blender in the place of a processor.

If you have to pick between them I'd say get a full size blender. That can make everything from breadcrumbs to smoothies to soups (and margaritas!). BUT I just love my immersion blender for making soup, it makes it SO much quicker than transferring everything to a blender. And they're only like $20. Like @akay, I have one that has a mini food processor attachment (awesome for herbs, breadcrumbs, etc) and a whisk attachment (awesome for whipped cream, egg whites, etc) as well, so I use it all the time

Why can't we have both?" Seriously though, I have both, and would be hard pressed to choose between them. I love my immersion blender for soups, and other things I wouldn't want to ladle into the food processor/blender. I justified buying the food processor with two words - peanut butter. I would never want to handle that with an immersion blender, but it's too easy with a food processor.

Immersion blender. I have a blender, immersion blender, and food processor, and the immersion blender by far gets the most use. It takes a little more effort to use, yes, but it's so much easier to clean and store. Plus, if part of the smoothie isn't fully blended, you just aim for that part, instead of removing the lid, stirring, digging under the blades, and restarting like you would have to with a blender or food processor.

I have an immersion blender and a food processor and if I had to pick just one it would be the immersion blender. I use the processor for big jobs - chopping a lot of onions, pureeing chick peas for hummus and making pie crust. While I like having one it's the blender I use at least 3 times a week - for dressings, smoothing soups and sauces, making smoothies. My blender came with a whisk attachment and a mini chopper and they both get used pretty regularly.

why choose..! You should have both...it likes you should have a lover and be married at the same time....never comprise in life... :)

I have both and love that I could go both ways ;)

the magic bullet! with attachments, can do anything! an don the cheap

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England coach tells the football team to behave themselves in Krakow
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Auction of purported vial of Reagan's blood halted
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Clemens juror: 'Why should we believe you?'
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Former Major League Baseball pitcher Roger Clemens and his legal team leave federal court in Washington, Monday, May 21, 2012, after a day of testimony in the sixth week of the perjury trial that will determine whether Clemens lied to Congress in 2008 when the 11-time All-Star pitcher denied using performance-enhancing drugs. (AP Photo/Manuel Balce Ceneta)

Former Major League Baseball pitcher Roger Clemens and his legal team leave federal court in Washington, Monday, May 21, 2012, after a day of testimony in the sixth week of the perjury trial that will determine whether Clemens lied to Congress in 2008 when the 11-time All-Star pitcher denied using performance-enhancing drugs. (AP Photo/Manuel Balce Ceneta)

Former Major League Baseball pitcher Roger Clemens and his legal team leave federal court in Washington, Monday, May 21, 2012, after a day of testimony in the sixth week of the perjury trial that will determine whether Clemens lied to Congress in 2008 when the 11-time All-Star pitcher denied using performance-enhancing drugs. (AP Photo/Manuel Balce Ceneta)

Former Major League Baseball pitcher Roger Clemens prepares to sign an autograph as he leaves federal court in Washington, Monday, May 21, 2012, after a day of testimony in the sixth week of the perjury trial that will determine whether Clemens lied to Congress in 2008 when the 11-time All-Star pitcher denied using performance-enhancing drugs. (AP Photo/Manuel Balce Ceneta)

WASHINGTON (AP) ? Among the 29 questions the Roger Clemens jury wanted to ask the pitcher's chief accuser, Brian McNamee, one cut to the heart of the case.

"Why should we believe you when you have shown so many inconsistencies in your testimonies?"

"I won't ask that," U.S. District Judge Reggie Walton declared during a bench conference with trial attorneys to decide which juror questions he would read. "That's for them to decide."

The question makes it sound as if at least one of the jurors in the perjury case has serious doubts about the credibility of the government's key witness against the 11-time All-Star pitcher.

Or it could be that the juror believes McNamee, but wanted to play devil's advocate just to make sure.

If the World Series can have days off, so can trials of baseball players. The court did not sit Tuesday because the judge had another obligation, a timely pause following five-plus grueling days of testimony from the government's key witness. In addition, Walton's practice, rare among judges, of allowing jurors to submit their own questions allows an unusual mid-trial glimpse of how the case looks to those whose opinions will ultimately matter most.

Clemens is charged with lying to Congress when he testified in 2008 that he had never used steroids or human growth hormone. McNamee, Clemens' longtime strength coach, says he injected Clemens with steroids in 1998, 2000 and 2001 and with HGH in 2000. He is the trial's only witness to claim firsthand knowledge of Clemens using those substances.

Of course, when the World Series takes a break, it's easy to tell who is winning. Definitive scores are kept. The first team to get four victories takes home the trophy.

The subjective nature of a jury trial makes such score-keeping impossible, especially when considering that this jury cares little about baseball and knew little or nothing about Clemens at the outset. The government might end up having the better case, but by then the jurors might have been put off by a plodding presentation by prosecutors that is literally putting people to sleep. Two jurors have already been dismissed for dozing off during a trial now in its sixth week.

Clemens' top lawyer, Rusty Hardin, could have the opposite problem. He is colorful, witty and displays the type of courtroom personality lacking by the government, but his scattershot method of cross-examination is confusing and sometimes hilarious. A defense lawyer wants to create confusion and doubt among the jurors, but there's also the possibility that the panel will perceive Hardin as someone putting on an act that's more style than substance.

The trial was always going to revolve around McNamee's credibility ? it's not an understatement that he is 95 percent of the government's case ? so the jurors' impressions of him are crucial. On Monday, they wrote their questions for him on index cards supplied by the court. The judge then huddled with lawyers from both sides out of earshot of the jury to decide which ones can be asked. The transcript of those discussions was made available Tuesday.

The sheer fact that there were 29 questions shows a degree of uncertainty about McNamee's testimony. At least two questions dealt with how McNamee came to assume that Clemens had previously used steroids in 1998. (McNamee essentially says he pieced it together through fragments of overheard conversation and locker room innuendo.) Someone wanted to know how McNamee could have been "surprised" to see HGH items in a shaving kit in Clemens' bathroom before injecting Clemens' wife, Debbie, sometime around 2003. (McNamee said he ordered the shipment on a previous visit to the Clemens house in Houston and had forgotten about it.)

One question referred to a couple of "email threads" between Clemens and McNamee. The judge and Clemens' lawyer, showing a deficiency in cyber-vocabulary, were perplexed. Prosecutor Daniel Butler had to explain: "In other words, a series of emails."

"I never heard the word 'thread' used in that context," Walton said.

"I haven't either," Hardin said.

The jury has been ushered in and out of the courtroom repeatedly during the trial. At other times, they're subjected to listening to "white noise" from the speakers while the judge and lawyers hold lengthy conferences. They are fully aware that they're not being told everything, and one was curious about an email that had a huge portion blacked out in the middle.

"May the jury see the complete email and the rest of the email trail?" the juror wrote on the card.

The answer was no. The deleted portion dealt with an incident in Florida in 2001, when McNamee was investigated for an alleged sexual assault involving a woman who was found to have a date rape drug in her system. He was not charged. The jury has only been told that McNamee was investigated for a serious offense and lied to investigators, but nothing more.

There was another significant question that was not asked, but it proved a boon to the government. The question: "Did you ever inject any other players with steroids or HGH?"

Clemens' lawyers objected to the word "inject." They already have a concern with the fact that McNamee was allowed to say he "provided" HGH to Clemens teammates Andy Pettitte and Chuck Knoblauch and that he helped another player, Mike Stanton, get those substances.

"That's the whole thing we've been fighting about, is this whole thing of injection," Hardin said.

A compromised was reached. McNamee would be allowed to say he was "present" for their HGH use. Given the chance to question McNamee once more, Butler, the prosecutor, rammed the point home: "Did Mr. Pettitte then use the growth hormone?" ''Were you present when he used it?" ''Did Mr. Knoblauch use the growth hormone?" ''Were you present when he used it?" ''And Mr. Stanton, did Mr. Stanton obtain growth hormone?" ''Were you present when he used it?"

McNamee answered "Yes, sir" six times in a row.

Near the end of the huddle about the jury questions, Hardin was curious. Had Walton ever seen 29 submitted to one witness before?

"That's a record?" Hardin asked.

"That's the most," Walton said.

___

Joseph White can be reached at http://twitter.com/JGWhiteAP

Associated Press

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Saudi Arabia Eyes Solar Power For Future
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By Angus McDowall and Reem Shamseddine
RIYADH/DAMMAM, May 23 (Reuters) - Saudi Arabia, the world's top oil exporter, may finally be getting serious about overcoming the technical and financial hurdles for tapping its other main resource: sunshine.
Thousands of solar power panels have sprung up across Europe over the past few years, thanks to generous subsidies that make the technology an attractive alternative to conventional energy.
Saudi Arabia too, wants to generate much more solar power as it lacks coal or enough natural gas output to meet rapidly rising power demand.
Doing so would allow it to slash the volume of oil it burns in power plants bankrolled by billions of dollars worth of saved oil earnings.
"At world market prices, solar is competitive if you use crude oil to generate electricity," said Maher al-Odan, a senior consultant at King Abdullah City for Atomic and Renewable Research (KA-CARE) which was set up to plan Saudi Arabia's energy mix.
Saudi Arabia has said it wants to become a major solar producer before, but its investments amount to much less than 50 megawatts versus several countries which have added thousands of megawatts a year.
This month, KA-CARE set forth a much more ambitious plan, recommending that the kingdom aim to get more than a third of its peak-load power supply, or about 41 gigawatts (GW), from the sun within two decades at an estimated cost well over $100 billion.
Making the plan work economically rests on three assumptions: that technology improvements will cut costs, that a domestic solar industry will emerge and create jobs for a booming population, and that many billions of dollars worth of exportable oil will be saved.
An average of 700,000 barrels a day of crude were used in Saudi power stations during the peak air-conditioning demand period from May to September last year, according to official data supplied to the Joint Organisations Data Initiative (JODI).
Although a rise in gas production should temper crude burning this summer, it will likely rise substantially in years ahead unless alternatives are found, and fast.
"Domestic oil consumption is rising very rapidly and you get far more value for oil if it's exported than if it's consumed domestically," said Paul Gamble, chief economist at Jadwa Research in Riyadh.

TECHNICAL CHALLENGES
KA-CARE said the first two solar plants, with combined capacity of 3 GW, might be put to tender in the first quarter of next year.
One of these will use concentrated solar power (CSP), which Riyadh says could supply an eventual 25 GW of the total 41 GW of planned solar capacity.
The other will use photovoltaic (PV), the technology expected to meet the rest of the overall goal.
CSP is relatively new and much more expensive than PV. But unlike PV, it can store solar energy for several hours, which is a big advantage in a country where air conditioning demand remains high in summer long after the sun has gone down.
Both technologies will suffer efficiency losses in Saudi Arabia's harsh, arid conditions, but long periods of intense sunshine should help compensate.
"High temperatures in situations with high direct solar irradiation can have a significant impact on the maximum possible power output," according to GFZ Potsdam, Germany's national research centre for Earth Sciences.
Another problem could stem from desert dust that can reduce solar energy by 10-20 percent in efficiency, according to King Fahd University of Petroleum & Minerals.
"We have losses due to high temperatures and so on," KA-CARE's Odan said in an interview, comparing the likely performance of solar power in Saudi Arabia with that of Germany, the world's leading solar power.
"But what we gain from high radiation (from increased sunshine) more than compensates for the loss of efficiency."

SUBSIDIES
Paddy Padmanathan, chief executive of Acwa Power, which has developed eight fossil fuel power plants in Saudi Arabia and is bidding to build a large CSP plant in Morocco, said solar should be competitive for peak-time supply against gas and oil.
He said that at Saudi Arabia's heavily subsidized gas price of $0.75 per million British thermal units (mmbtu), utilities could provide electricity at a cost of 7.5 halalas ($0.02) per kilowatt hour (kWh).
However, if the gas was valued at $6 per mmbtu, closer to world market prices, the cost of electricity would rise to 34 halalas/kWh.
Yet oil-fired power costs around 12.5 halalas/kWh at the Saudi oil supply price of $4.40 a barrel, rising to 60 halalas/kWh with oil valued closer to world levels at $80 a barrel.
By comparison, PV could deliver electricity for 45 halalas/kWh and CSP for 70 halalas.
While those prices are uncompetitive against artificially low gas prices in Saudi Arabia, he said solar power should work out cheaper when the cost of keeping large oil and gas plants on standby for delivering peak-load power are factored in.
"It makes economic sense as a kilowatt hour produced from solar will be cheaper than that produced through traditional electricity production," said Christopher Burghardt, managing director at First Solar, which is opening a Gulf office.
But some industry experts say that while a recent slide in PV costs makes the maturing technology attractive, CSP costs need to fall further to guarantee swift payback on the Saudi investment plan.
"PV is highly competitive now against oil and against the higher cost gas the Saudis have available," Robin Mills, head of Manaar Energy Consulting, said.
"For CSP, would it be competitive against oil valued against international prices? I think it would be marginal," said Mills, who has published studies on the commercial viability of solar power in the Middle East.
KA-CARE's Odan said he anticipated the cost of CSP in particular would drop as the technology evolves and the market grows but Mills said there is more downside on PV costs.
Because Saudi Arabia wants to keep consumer electricity prices very low, solar power investments will need hefty state support.
But the economic benefits of saving hundreds of thousands of barrels a day of oil, the country's largest export earner, supports the economic case.
"We know well that the cost of generating power from these sources will be higher and we did a model that will help us bridge the gap," said Khalid al-Sulaiman, vice president for renewables at KA-CARE.
"You call it subsidies. I don't call it subsidies and many countries don't call it subsidies. They are incentives for the sector."

NEW INDUSTRY
KA-CARE expects the aim of developing an indigenous solar industry to increase costs.
Yet this offers the benefit of hi-tech job creation and the prospect for developing new solar technologies in the country.
To that end, the kingdom will require bidders for big solar projects to offer jobs to Saudi nationals and technology transfers.
KA-CARE plans to pick the best technology currently available around the world and develop it further and sees most scope for this in the comparatively immature CSP market.
"They factor in an assumption about domestic value creation to the local economy from the creation of a new industry, and also for the export of new technology," said Gamble.
"I think to justify that level of money you would need to make some assumptions that both those factors would be significant." (Additional reporting by Henning Gloystein and Maha El Dahan, editing by Daniel Fineren and Jason Neely)

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Dr. T 's Accounting Problems and Business Examples: Journal entry ...
[info]rfaga
Which journal entry to assign factory payroll if using a job order cost accounting system?

In the last several months, the total system accumulated labor time receipts totaling $24,600 for direct labor and $4,300 for indirect labor. All the costs were accumulated in factory payroll account when they were paid.

These are the relevant transactions:

a. ?Payroll expense..... 28,900 cash.... 28,900
b. ?payroll expense....24600 factory overhead......4300 factory payroll ....28900
c. ?goods in process inventory.... 24600 factory overhead....4300 factory payroll....28900
d. ?goods in process inventory....24600 factory overhead....4300 accrued wages payable....28900
e. ?goods in process inventory....28900 factory payroll..... 28900

Accounting Answer:

b. payroll expende....24600 factory overhead......4300 factory payroll ....28900
(Indirect labor is an overhead cost).

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Benefits-Of-Re-Financing | TravelBuddies.us ? Travel Tips
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Benefits of Re-Financing

There are a number of benefits which may be associated with re-financing a home. While there are some situations where re-financing is not the right decision, there are a host of benefits which can be gained from re-financing under favorable conditions. Some of these benefits include lower monthly payments, debt consolidation and the ability to utilize the existing equity in the home. Homeowners who are considering re-financing should consider each of these options with their current financial situation to determine whether or not they wish to re-finance their home.

Lower Monthly Payments

For many homeowners the possibility of lower monthly payments is a very appealing benefit of re-financing. Many homeowners live paycheck to paycheck and for these homeowners finding an opportunity to increase their savings can be a monumental feat. Homeowners who are able to negotiate lower interest rates when they re-finance their home will likely see the benefit of lower monthly mortgage payments resulting from the decision to re-finance.

Each month homeowners submit a mortgage payment. This payment is typically used to repay a portion of the interest as well as a portion of the principle on the loan. Homeowners who are able to refinance their loan at a lower interest rate may see a decrease in the amount they are paying in both interest and principle. This may be due to the lower interest rate as well as the lower remaining balance. When a home is re-financed, a second mortgage is taken out to repay the first mortgage. If the existing mortgage was already a few years old, it is likely the homeowner already had some equity and had paid off some of the previous principle balance. This enables the homeowner to take out a smaller mortgage when they re-finance their home because they are repaying a smaller debt than the original purchase price of the home.

Debt Consolidation

Some homeowners begin to investigate re-financing for the purpose of debt consolidation. This is especially true for homeowners who have high interest debts such as credit card debts. A debt consolidation loan enables the homeowner to use the existing equity in their home as collateral to secure a low interest loan which is large enough to repay the existing balance on the home as well as a number of other debts such as credit card debt, car loans, student loans or any other debts the homeowner may have.

When re-financing is done of the purpose of debt consolidation there is not always an overall increase in savings. Those who are seeking to consolidate their debts are often struggling with their monthly payments and are seeking an option which makes it easier for the homeowner to manage their monthly bills.

Additionally, debt consolidation can also simplify the process of paying monthly bills. Homeowners who are apprehensive about participating in monthly bill pay programs may be overwhelmed by the amount of bills they have to pay each month. Even if the value of these bills is not worrisome just the act of writing several checks each month and ensuring they are sent, on time, to the correct location can be overwhelming. For this reason, many homeowners often re-finance their mortgage to minimize the amount of payments they are making each month.

Using the Existing Equity in the Home

Another popular reason for re-financing is to use the existing equity in the home. Homeowners who have a considerable amount of equity in their home may find they are able to cash out some of this equity for other purposes. This may include making improvements to the home, starting a business, taking a dream vacation or pursuing a higher degree of education. The homeowner is not limited in how they can use the equity in their home and may re-finance a home equity line of credit which can be used for any purpose imaginable. A home equity line of credit is different from a loan because the funds are not disbursed all at once. Rather the funds are made available to the homeowner and the homeowner can withdraw these finds at anytime during the draw period.

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Avengers Movie Review | ComicCritique.Com
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21 May 2012 by Lou

I took a chance on The Avengers in that I thought my eight-year-old daughter was old enough to not be disturbed by the action or imagery in the film. I had read quite a few postings at commonsensemedia.org and carefully evaluated a variety of parents? opinions and ultimately felt comfortable with the choice. My goal was to share the awesomeness of a well-executed superhero movie with my family. My daughter lasted an hour. Nothing to do with the action (if anything the movie was a bit boring for her), but when my wife (who was more concerned than I about the movie?s impact on our child) whispered an invitation to the mall in our daughter?s ear she jumped at the chance. So the Mighty Avengers vs. Shopping? well, it was no contest for my family, they hit the mall and left me to the movie. (Maybe the Spider-Man reboot will be the ticket.)

I may not have to tell you, but I will: ?The Avengers is a great movie. ?It was made by a fan for fans. Although it lives firmly in the ?action? category, the story was propelled by strong characters, accomplished actors, and an outstanding script.

Since fans of the Marvel movies have met almost everyone else, the most prominent newcomer is Mark Ruffalo who takes Ed Norton?s place as Bruce Banner. ?Ruffalo?s Banner was no less intense or tortured than Ed Norton?s, but Ruffalo added a reluctant applomb and brilliantly managed to communicate a well-capped but seething underlying anger at himself and at the military. Bolstered by some powerhouse lines, Ruffalo?s scenes were among my favorites of the film.

The award for best fight choreography goes to Captain America, played by Chris Evans. Killer aliens with fancy weapons are about the same as Nazis with machine guns to Cap. From a character perspective, I appreciated how Steve Rogers evolved from dutiful order-taker to thoughtful hero, finding and walking the line that all comic heroes walk, the one that leads them outside the letter of the law but straight into its spirit.

The only ?sidekick? of all the prior films to make an appearance was Gwyneth Paltrow?s sultry and super-sharp Pepper Potts, Tony Stark?s babe Friday. Having screen time in both Iron Man movies has certainly made her the most familiar of the heroic support teams (and let?s face it, Cap?s support team are all at least octagenarians). Paltrow was as convincing as ever, but I must admit I found myself amused that they kept her barefoot in her scenes with Mr. Downey so she wouldn?t tower over the iron hero.

Downey?s work might have been his best yet as Iron Man. He has the role down pat now (which admittedly at times seems like ?what Tony Stark would be like if he were just like Robert Downey Jr.?). ?In Avengers Tony keeps the humor flowing and promotes a could-care-less attitude yet finds himself the hero best positioned to save the day on more than one occasion and rises to the challenge each time.

Jeremy Renner?s Hawkeye played a pivotal yet understated role in the film. Hawkeye?s character was used to give the enemy an advantage which in turn allowed the plot to relentlessly move towards a seemingly inevitable end for the world. Samuel Jackon?s Nick Fury was as gruff and Machiavellian as ever, to the point that I have to wonder if Nick lied about the death of a character simply to ignite the passions of the not-yet-assembled Avengers. (Still, long-time fans of director Joss Whedon know he is quite capable of killing characters in the name of a good story.) ?Chris Hemsworth continued his good work as the quick-to-temper thunder god Thor, and as in recent Thor comics canon, big-screen Thor shows a deep loyalty to family values by offering brother Loki a perhaps ill-advised chance at redemption. Tom Hiddleston?s Loki, in response, was of course as driven and resourceful as a villain can possibly be, but in truth Loki did his best evilling in the Thor movie, where he was even more subtle and scheming, the trickster god we know him to be. Still, it was fun to see him lose it a bit in this one at the hands of a rather devious Black Widow.

Scarlett Johansson?s Black Widow is the single character I think might be miscast. Voluptuous though she is, I don?t look at her and think ?super spy.? (I suppose that same logic would make her a perfect spy.) What she does, however, is bring her considerable acting chops into play and it wasn?t long before I believed that beautiful woman could break all of a man?s limbs even if he has her tied to a chair.

Part of what makes The Avengers work so well is not only the strength of the actors but the strength of the script, which gives each character the amount of spotlight the story demands, and not a second more. In the group scenes, Whedon?s ensemble writing skills shine with dialogue that is at once quick, witty, and biting.? Perhaps the most delightful aspect of The Avengers is that it is continually surprising. Nothing is out of character but there are enough twists and turns to keep even the most seasoned comic geek guessing as to what might come next. This might be the biggest complement of all for Mr. Whedon: his screenplay is so well done that fans of the movies who will never read a comic will still love the same things about the characters and the story that we love from the paper-bound versions. ?If that?s not a super power, I don?t know what is.

This next bit may taste spoilery. You have been warned.

I have to believe (perhaps erroneously) that the truest fans of these Marvel films are the ones that stay all the way through the credits. We are the ones who, in addition to actually reading and enjoying the credits, hope to be teased and tortured with a clue to the next installment of the franchise. The first reward from The Avengers credits is Chris Cornell?s soulful vocal pipes belting out a new Soundgarden tune, ?Live to Rise.? I?ll be forking out $0.99 to add that to my playlist. ?The second reward comes earlier than expected: a final scene only about three minutes into the credits. The scene takes place on a rock floating in Kirby space, a soldier/minion reporting to his liege that Earth is not the easy-peasy win they had hoped. The superior, whose back has been to the camera, turns his head to the side and smiles, giving us a glimpse of what?s to come. I can?t allow myself to give everything away, but I?ll say I?m definitely in for the next film. ?The third and final surprise does indeed come at the very end of the credits, a joke played on (and shared with) us fans by Whedon himself. I enjoyed the joke immensely and will even watch the darn thing again the next time I see The Avengers.

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