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16th September 2009
In order to acquire and maintain access to credit, one must have a working understanding of how credit works - namely, how credit scores are established and tracked by the three major credit bureaus.
Inquiry Myths
As discussed in "The Larry Rule," ... Read >
Author: wbdoyle14th September 2009
There are multiple reasons for buying your aerobic stpe equipment and the first (and most important!) is that you can get a workout whenever you please - no driving anywhere. A second powerful reason is that you will preserve money on memberships to gyms ... Read >
Author: sammac4311th September 2009
Cash back credit cards are now being made available in a variety of new options. However, it is important for consumers not to skip over the process of researching all details of a card before applying. Cash back credit cards, although useful credit car... Read >
10th September 2009
It seems like everything is so expensive these days. The purchasing power of the dollar continues to fall, both internationally and in the United States. One of the biggest economic strains in this country stems from rising gas prices. This not only force... Read >
Author: Rocky Mcmahon31st August 2009
Google frequently offers a Google Adwords promotional code through website hosting corporations, banks or other entities who often deal with web businesses. Keyword Elite 2.0 is one such.
These codes offer credits to businesses when they enroll in the ... Read >
Author: Mad Marketer31st August 2009
Google frequently offers a Google Adwords promotional code thru web hosting firms, banks or other entities who often deal with web enterprises. Keyword Elite 2.0 is one of them.
These codes offer credits to businesses when they sign up for the service.... Read >
Author: Mad Marketer27th August 2009
When the modifications to U.S. Bankruptcy Code made it more difficult for people to declare bankruptcy and have debts forgiven, many consumer rights activists cried foul. The credit industry worked hard to get this passed, and at first blush, it does appe... Read >
Author: Yodle23rd August 2009
Breaking free of credit card debt is difficult, but doable as long as you are aware of the legal implications, obey the laws in your state/country and have a decent understanding of credit reporting. Panicking in front of monthly rising credit card debt i... Read >
Author: Benito Mccormick21st August 2009
Companies in financial trouble are often forced to liquidate their assets to pay creditors. While a Chapter 11 bankruptcy sometimes makes the most sense, other times a Chapter 7 bankruptcy is required, and in still other situations a corporate dissolution... Read >
Author: MarcTow19th August 2009
Credit card debt is a modern threat for the consumer. Countering and dealing with it is possible once you acknowledge the problem. You start by getting acquainted with the legal consequences, study your state laws and grasp the basics of credit reporting.... Read >
Author: Shane Lloyd19th August 2009
Where traditional loan modification schemes can take months the newly implemented loan modification scheme at Wells Fargo can sanction your loan modification within a week if you are eligible.
If you are seeker of Wells Fargo loan modification scheme you... Read >
Author: sharris13th August 2009
Imagine being able to save the environment and the car industry all in one fell swoop. Imagine being able to give that effort a catchy name and get it quickly through Congress, too. "Cash for Clunkers" is the latest inception from the Obama administrati... Read >
Author: Robert Palmer07th August 2009
Blogging can be a fantastic way to get new traffic charging full speed to your website.
The good news is that setting up a Blog for your website is surprisingly simple but there are a few caveats and things you need to change to ensure your blog is se... Read >
Author: gold1147507th August 2009
Blogging can be a fantastic way to get additional traffic charging full speed to your website.
The good news is that setting up a Blog for your website is surprisingly painless but there are a few caveats and things you need to change to ensure your b... Read >
Author: gold1147507th August 2009
Blogging can be a fantastic way to get added traffic charging full speed to your website.
The good news is that setting up a Blog for your website is surprisingly straightforward but there are a few caveats and things you need to change to ensure your... Read >
Author: gold1147507th August 2009
Staffing firms have an outside perspective on what companies want. There’s a saying—“others than us better observe our mistakes”. So, sometimes we can’t identify our own shortcomings, because we are lacking an extra “outsider view”.
I had... Read >
Author: Sai People Solution05th August 2009
Blogging can be a fantastic way to get more traffic charging full speed to your website.
The good news is that setting up a Blog for your website is surprisingly easy but there are a few caveats and things you need to change to ensure your blog is setu... Read >
Author: Bob Clark02nd August 2009
Debt consolidation is being bandied about as the best option for people who are mired in mounting debts and troubles with lending and collection companies. Before we get caught up with excitement as if debt consolidation is the all important cure to all o... Read >
Author: Rahul Rungta01st August 2009
Blogging can be a fantastic way to get more traffic charging full speed to your website.The good news is that setting up a Blog for your website is surprisingly easy but there are a few caveats and things you need to change to ensure your blog is setup co... Read >
Author: Mario Delgado01st August 2009
The new Sony Ericsson Aino announced to be released by the end of 2009, has been reviewed by pundits who got a taste of the new phone and the verdict seems unanimous. This is a Sony Ericsson that can lay claim as a genuine multimedia handset that’s a c... Read >
Author: mdoperations23rd July 2009
The following information is an abstract from Stephen Harrod Buhner
Following herbs are some of the most powerful phyto-androgens known so far. The plant that contains the most testosterone (and other androgens) is, at this point, pine pollen. Over the... Read >
Author: damin19th July 2009
You know the problem some internet marketers have when it comes to earning money quick is not that they don’t know what to do. There is a wealth of quality information around from experienced marketers who have tried and tested techniques that can defin... Read >
Author: John Vaux11th July 2009
Credit Repair Works, But…
Credit repair can do more than clean up your credit reports. It can raise your scores, help you prevail against collectors, guide your debt negotiations, and transform your financial life. But you must do it right. Too many ... Read >
Author: Jim Kemish07th July 2009
Do you have a knack for words? Has grammar always been your forte? If so, then the Internet has tremendous opportunities for you to make money. If you enjoy writing on a variety of different topics and can adhere to deadlines, then becoming a freelance... Read >
Author: corwinclive04th July 2009
Traditionally, the groom’s best man plans the bachelor party, though he can always get help from other friends that will be attending the big last night out with the guys. With a little organization and some planning ahead, you can ensure a night your f... Read >
Author: carlinrach30th June 2009
Chess puzzles. We all love’em. Speaking personally, I can’t get enough of them. Nothing satisfies the soul like solving a chess puzzle that you deem truly worthy of your intellect.
Working chess puzzles actually can give a serious boost to your ... Read >
Author: CS_Master10th June 2009
This summer in the UK e hope not to bear witnessonce again to the torrential rain which blighted much of 2008. Who can forget the howling winds and flooding of homes and businesses throughout the UK during what was supposed to be a hot and dry summer se... Read >
Author: Isla Campbell07th June 2009
Purchasing property now in Detroit is a gamble. You have got to have all the right cards. These include credit, capital, and long term security. Sure, these may sound obvious, but in today's market, home sellers and the banks issuing loans are looking clo... Read >
Author: michael russell 04th June 2009
Millions of Americans live with pain. Chronic pain, daily pain, short-term pain. Of all medicines sold by online pharmacies, by far the most common type is Pain relievers. One might think then that online pharmacies are a great source of pain.
Well, di... Read >
Author: buycheaptramadol09904th June 2009
Federal Reserve Chairman Ben Bernanke predicted that the economy will improve before the end of 2009, but the country just might not notice it. Bernanke recently told Congress that he believes the economy is nearing the bottom and will start a gradual ri... Read >
Author: Robert Palmer04th June 2009
This is the second question I usually get, the first one being, "I don't need a bike fit or a new bike, because I fit my bike just fine." The question of whether a bike fits or not has been asked for decades and at the end of the day, the answer does not ... Read >
Author: Kevin Saunders29th May 2009
Earlier Microsoft Certifications (MCP,
MCSA, MCSE)
Up until the release of the new generation of certifications (from the IT Pro
side), there were just four certifications that roughly equated to four distinct
levels: MCP, MCSA, MCSE, and MCA. These... Read >
Author: Richel Fox18th May 2009
It's a sad fact of life that everyone out there has some type of insecurity that makes them feel "unattractive." Even the most beautiful women in the world have stuff about them that makes them feel ugly at times.
Being a man presents the same issue, w... Read >
Author: Joseph Matthews14th May 2009
Parents who enroll children in private schools may experience difficulty finding speech therapy services if their child has a problem articulating certain speech sounds. These children often fail to qualify for speech and language therapy programs typica... Read >
Author: Leah12th May 2009
Cheap home insurance is all very well and useful if the pennies are tight in the household, but selling yourself short can prove very costly indeed if you don’t get the right insurance policy. Covering yourself adequately may make your cheap home insura... Read >
Author: Kim07th May 2009
Plan Your Credit Repair Effort
Are you planning to make an effort at credit repair? Make sure to do it right. An informed effort will produce amazing results, and subtle details can make a world of difference. Take a bit of time to plan your attack and... Read >
Author: Ian Webber28th April 2009
Today I was coaching a woman on prayer and goal setting. She was praying for a certain apartment to open up by a certain date, and for a certain amount of money to come in which would enable her to rent that apartment.
This was a wonderful coaching se... Read >
Author: Mark Replogle16th April 2009
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
While I had v... Read >
Author: nishufzr16th April 2009
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
... Read >
Author: nishufzr15th April 2009
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
Wh... Read >
Author: nishufzr15th April 2009
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
While I had v... Read >
Author: nishufzr13th March 2009
Determining the proper lighting for your home office may seem like a simple task, but you should be aware of all of the caveats to your first impression choices. Check out this article to make sure you've covered your bases before choosing a lamp that may... Read >
Author: Brian10th March 2009
How to Choose the Best Cellphone for YOU!
Considering the innumerable varieties of cell phones in the market, it is quite a challenging task to choose the best one. However, the basic criterion of selecting the best cellphone is to be absolutely cl... Read >
Author: M S Nath17th February 2009
The latest trends suggest that outdoor weddings and events are becoming more and more popular. The right marquee, flooring, lighting and decor can transform you ordinary tent into a magical ballroom that is sophisticated and elegant.
Whilst there are m... Read >
Author: Nariman Taweel13th February 2009
Doing this as a living is possible, but there are many caveats involved. First, beware of the company that charges you a fee or requires that you first "join" or "participate" in online reward programs.
If you do an online search for surveys, you'll be... Read >
Author: Vanson Tan12th February 2009
When the modifications to U.S. Bankruptcy Code made it more difficult for people to declare bankruptcy and have debts forgiven, many consumer rights activists cried foul. The credit industry worked hard to get this passed, and at first blush, it does appe... Read >
Author: sashalevin17th January 2009
Homeowners have usually completed a very difficult process of selecting a house, and financing the same. Upon actually owning the home, there will be many more situations to resolve. Selecting window blinds or alternate window treatments can be a major is... Read >
Author: Judith Persit29th December 2008
I love summer weddings. My favorite weddings are the ones held outdoors under a pop up tent or some custom printed canopies with a cool summer breeze blowing through them. Outdoor weddings are often magical and unforgettable events and yet they bring so... Read >
Author: Susan Slobac01st December 2008
There doesn’t seem to be enough time for anything anymore, and businesses of all sizes are working harder and faster all the time.
It’s important to work smarter, too. And that means when you have to choose an important vendor for an essential serv... Read >
Author: shippu01st December 2008
The pace of business today is positively supersonic. There doesn’t seem to be enough time for anything anymore, and businesses of all sizes are working harder and faster all the time.
Before listing the seven key things to look for in a good web desi... Read >
Author: RAJIV KUMAR SAINI 27th November 2008
It's an stock investor's dream: A stock with the potential to double in price.
Finding these stock market jewels before they double is difficult but not impossible. According to data provider Capital IQ, there are almost 6,700 stocks that trade on majo... Read >
Author: mattglad25th November 2008
Network Marketing or MLM businesses are effectively organisations or networks of people who are all building the same business. It is very similar in principle to the ‘franchise’ principle. That is to say that in franchising, the franchisor develops a... Read >
Author: IanTTaylor18th November 2008
This article is going to focus on your role as an affiliate and where you fall in the “sales process” when it comes to doing business online. Read it and make sure that you understand it before undertaking the role of an affiliate.The term “Affilia... Read >
Author: Bill Bradely18th November 2008
The mobile phone is firmly entrenched in countries around the world. Business people would feel naked without their mobile phones. Busy Mums need to stay in touch. Teenagers wouldn't be caught dead without their mobile phone - they'd miss out on everythin... Read >
Author: Ronnie Slade12th November 2008
These days, you can't help but stumble across the word 'FREE', whether actively looking to buy something or not. A marketer's dream, this over-used term can be found emblazoned across press ads, plastered throughout supermarkets, and is frequently cited o... Read >
Author: kristianphllps04th November 2008
There has been much written and otherwise espoused about the truly exciting phenomenon of socially viral online movements. The entire history of the internet is a viral one, even though you’ll seldom hear it openly defined that way. Those who understand... Read >
Author: Jeff Rogers30th October 2008
Home renovation can be a stressful undertaking. Not only is a home most Americans’ biggest and most important asset, it is also a huge, ongoing emotional investment. Your home defines your world and your personality, and truly becomes the center of your... Read >
Author: Mark Bordo27th October 2008
Home renovation can be a stressful undertaking. Not only is a home most Americans’ biggest and most important asset, it is also a huge, ongoing emotional investment. Your home defines your world and your personality, and truly becomes the center of your... Read >
Author: Mark Bordo23rd October 2008
I read an article about something that could teach all of us a great deal about car insurers. A person with comprehensive insurance on their automobile had it vandalized during the night in front of their house. The insurer said that because the automobil... Read >
Author: greg7715th October 2008
There are only few things that are more precious in our life other than our own private space or the house that we create for our families. Our place to exist is the most precious commodity in our lives and the things within are not just expensive, but is... Read >
Author: Alien07th October 2008
The number of residential properties sold at auctions has risen over the past years. With the current credit crunch and interest rate hikes, many homeowners can no longer afford their mortgages and are forced to have their properties repossessed. These re... Read >
Author: rainbow0000609th September 2008
A lease option can stop a foreclosure by the reinstatement of the late payments to the lender. Usually the lease option takes two additional "parts" to make it work. First, the homeowner will deed or transfer the property to someone else, usually an inves... Read >
Author: David Dinkel08th September 2008
Traffic school is probably not the most exciting way to spend your Saturday. However, if a judge has ordered you to take a driving safety class, or you are trying to have a ticket dismissed, you don’t have a great deal of choice in the matter. The good ... Read >
Author: Steve Smith08th September 2008
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
Wh... Read >
Author: gagan04th September 2008
Traffic school is probably not the most exciting way to spend your Saturday. However, if a judge has ordered you to take a driving safety class, or you are trying to have a ticket dismissed, you don't have a great deal of choice in the matter. The good ne... Read >
Author: Steve Smith04th September 2008
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my jo... Read >
Author: gagan04th September 2008
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
Wh... Read >
Author: gagan02nd September 2008
Jobslover
My first foray into the online survey world came just after I lost my job as a paralegal at a major international company. I was getting unemployment, but the amount I was taking in was less than half of what I was making at my job.
Wh... Read >
Author: gagan01st September 2008
Do you really want to drive everyone who attended a trade show to your trade show booth? In a word: Yes.
Now that I have established that, let me start with the caveats. Yes, but not all visitors are equal… or even valuable for that matter. Moreover... Read >
Author: Dick Wheeler01st September 2008
MANY of us now get connected to the internet without using a phone line and
without getting our parents to yell at us for blocking their means of
communications. We do this via cable, or what is known as DSL.
But what exactly is DSL? Digital Subscrib... Read >
Author: Richel Fox18th August 2008
Reverse mortgage pitfalls occur nearly everyday. Are you considering such a loan and if you are have you thought about the negative aspects of such a loan?
Unless God forgot your eyes and ears at birth, you have undoubtedly seen all the ads everywhere ... Read >
Author: Barry Crewse15th August 2008
The pace of business today is positively supersonic. There doesn’t seem to be enough time for anything anymore, and businesses of all sizes are working harder and faster all the time.
It’s important to work smarter, too. And that means when you hav... Read >
Author: Gary Klingsheim29th July 2008
To Cash Out or Not to Cash Out is the Question.
A cash out refinance mortgage can be a great tool for homeowners. There is no limit as to what you can do with cash that you receive from a refinance mortgage. The idea is simple. You can refinance you... Read >
Author: A Ferguson21st July 2008
One of the basic tools used by financial advisors is to show their clients the advantages of homeownership versus renting. As you’ve probably heard, renting always seems to come out as the bad option. Many are starting to question whether that is still ... Read >
Author: Raynor James16th July 2008
If you're conducting an active job hunt, you're probably aware that working with a recruiter can be an effective method for your search. However, finding a recruiter that specializes in your field can be a daunting prospect.
Where should you look? How ... Read >
Author: Laura Smith-Proulx09th July 2008
Conveyancing lawyers are in great demand these days due to the rapid growth in the property market. Conveyancing refers to the legal procedure involved in changing ownership of immovable property and conveyancing lawyer is the one who helps you through th... Read >
Author: stary13th June 2008
When Nationwide released its house price figures this week revealing a dip of 2.5 per cent in May, there were plenty of groans but also some caveats. One of these was that the picture is the subject of much regional variation.
Such a point was made by th... Read >
Author: Assetz UK23rd May 2008
Here's the situation: you got a speeding ticket. But how fast were you going? Did you go 10 miles over the speed limit, or 30 miles over? This can make a difference in what you do about your ticket. Do you try to fight it or accept and pay the fee? Ther... Read >
Author: urlreader08th May 2008
Starting your home business and making a push to become financially independent is one of the main motivations for becoming an affiliate marketer. The barriers to entry are non existent and there are literally thousands of products to sell. With this ... Read >
Author: CPelanne08th May 2008
Starting your home business and making a push to become financially independent is one of the main motivations for becoming an affiliate marketer. The barriers to entry are non existent and there are literally thousands of products to sell. With this ... Read >
Author: CPelanne13th April 2008
If I asked you to name a type of butterfly, what picture and name would come to mind? Of the most common varieties in North
America the Monarch Butterfly's awareness impact is pretty high. They are big (up to 4 inch wingspan), colorful (bright orang... Read >
Author: Jim Pratt07th April 2008
Despite the dire caveats by the Securities and Exchange Commission cautioning investors against the controversial yet potentially lucrative world of day trading, people continue to try and attain day trading skills, and a day trading stock tip is literall... Read >
Author: ron king27th March 2008
When we analyze the different aspects of any
weight loss program that actually works, we
discover that it breaks down into three distinct
parts.
The first is to make up your mind. If you do not know where you are going, how are you going to get the... Read >
Author: kathrynsoloff14th March 2008
Many people loved their old V20 and looked forward to its successor, the Zojirushi BBCC-X20. But has this new bread machine lived up people's expectations and is it the best bread machine currently on the market? The answer isn't so simple.
The Zojirus... Read >
Author: Robin OBrien20th February 2008
Even if you have bad credit or no credit rating at all, you can still get a car loan. Moreover, car loans are a good way to build credit, so once you obtain one, making the payments on time can repair your credit rating while getting the right car for yo... Read >
Author: Adam Singleton24th January 2008
real estate investors still reeling from this year's US housing and mortgage crunch might do well to look farther afield -- even out of this world.
Internet searches for lunar land prices show the cost of buying an acre of the moon's surface has risen ... Read >
Author: Vanessa Doctor21st January 2008
Oris have made world timer watches in the past but the Artelier Worldtimer is somewhat different than previous models; the most important differences, to my mind, being the large case size, the quickset date and the ability to set a different time zone ti... Read >
Author: Robin OBrien31st July 2007
Many people require the auto transport service but are not aware of the importance that auto transport carries. Most reliable car and auto transport companies carry the necessary insurance to cover any damage, which may occurs to the vehicles while shippi... Read >
Author: shijinaseo31st July 2007
Many people require the auto transport service but are not aware of the importance that auto transport carries. Most reliable car and auto transport companies carry the necessary insurance to cover any damage, which may occurs to the vehicles while shippi... Read >
Author: Mercy11th July 2007
You have seen the ads all over the place. They are these loud and promising offers for a last minute travel deal designed to save you a ton of money. Surely, these last minute travel deals must be loaded with caveats and catches, right? No. In actuality, ... Read >
Author: Everyone Loves To Travel08th May 2007
Hoodia or pronounced as HOO-dee-ah is nothing but a cactus-like plant that grows primarily in the semi-deserts of South Africa, Botswana, Namibia, and Angola. This heavily marketed for weight loss and has become immensely popular. There is an immense dema... Read >
Author: Kirk Bachelder09th April 2007
In spite of all the good things that most affiliate marketers mention in their reviews of Keyword Elite, I would like to strike a balance by giving a more realistic review of this piece of software. No doubt, Keyword Elite is a piece of excellent software... Read >
Author: review729th March 2007
Whenever you want to rank well for your website or any of your webpages, you need to know the right keywords to target. Whenever you want to succeed in your pay-per-click (PPC) campaign, you need to know what the right keywords to bid are. In other words,... Read >
Author: review729th January 2007
One of the newest entries in the seemingly overcrowded weight loss field is the hoodia gordonii plant. It has been used for generations by bushmen in Africa to suppress hunger and appetite on long hunting trips.
By turning off your appetite, hoodia al... Read >
Author: Janice Kaszursky29th January 2007
If you have a product oriented site, you obviously need products. There is an interesting way you can use keyword research to help you evaluate the products that are going to sell.
Assume I decide to open up a fashion site. Now that my friends have st... Read >
Author: Halstatt Pires17th January 2007
"The other part of outsourcing is this: it simply says where the work can be done outside better than it can be done inside, we should do it."
~~ Alphonso Jackson -- Secretary of United States Department of Housing and Urban Development
Precautions fo... Read >
Author: Ed Brancheau16th November 2006
Seniors ? Do you have an exit strategy?
Over the last 3 decades tax deferred investing through 401(k) plans, IRAs, SEPs, tax deferred annuities have become very popular. There is good reason for that. They are great places to accumulate money. But... Read >
Author: Steve Lover15th November 2006
By: Emmanuel DeFreitas
I have always liked to say that time in the sauna is time well spent, especially if you are accompanied by family or special friends. The one thing you surely want to guarantee is that the safety and comfort of your family and gu... Read >
Author: Emmanuel DeFreitas13th October 2006
Did you know that . . .
According to the Wall Street Journal, each employee spends an average of almost one hour a day processing emails?
The Net Future Institute (NFI) reports that almost 70% of executives perceived 25% of e-mails as completely un... Read >
Author: Eugenia Tripputi03rd October 2006
Gasoline prices are top of mind for everyone right now. With prices actually passing the $4.00 per Gallon mark in certain areas of the United States, it is no surprise consumers are looking for ways to save at the pump. One method that many people are l... Read >
Author: Jon Norwood17th July 2006
Refinance my Mortgage - Mortgage Cycling Pay your Mortgage off in less than 10 years
With mortgage rates near 20-year lows, competition in the mortgage industry is fierce. It seems like every day a new mortgage loan strategy comes out that is suppose ... Read >
Author: Freddy Moreno16th June 2006
Cash back credit cards are now being made available in a variety of new options. However, it is important for consumers not to skip over the process of researching all details of a card before applying. Cash back credit cards, although useful credit car... Read >
Author: Robert Alan28th March 2006
So you've finally been discharged from your bankruptcy, and now you are free to do whatever you want again. The world is your oyster!
But before you grab a bucket and head for the beach, there are a few things you need to know. First of all, a bankrupt... Read >
Author: Amy Latah20th December 2005
Although most people do very well with run-of-the mill daily interactions, unless you come from a family skilled in this arena, or have connected with mentors along your way, you are probably frustrated and flustered when a difficult person or situation c... Read >
Author: Nancy Gerber19th August 2005
*Mentoring For Free: A Review*
Mentoring For Free is a training program that can also be
used as a recruitment tool for network marketing
distributors. The owner is Michael Dlouhy, a 26-year veteran
of the network marketing industry. Mr. Dlouhy a... Read >
Author: Mark Worthen
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