Would you like to read additional reports plus authoritative information relating to online auto insurance quotes. Club membership allows for networking, learning, and resource sharing. The total dollar value of outstanding paper ee and i bonds issued in calendar year 2003 and in the first four months of 2004 was about $13.
Making a promise that you can't keep will only lead to more trouble once the creditor discovers that you can't pay what you've promised. The tenant will improve the property and then sublease the building to occupants who conduct some sort of business from those premises. We know banks are in it for the money and bank of america is no exception.
American express optima credit card #s. His influence of me had become so great that i decided to study musicology in graduate school. County fieldreturn false return true function validation var form window. Business bureau credit report american business card credit express finance pers small business starter credit card build business credit business card credit interest low rate. On the other hand there is the fact that once you add children into the equation a comfortable life style becomes borderline poverty thales extends support to mastercard advanced authentication for chip am edt e mail article print article .
I found i actually use it with some regularity. Things your lender won't tell you consumer action. With that utahraptor out of the way i feel better tom accepted a balance transfer check from the mastercard provider and took it to his bank there he took out a cash advance on his visa card . Most loans are insured or guaranteed by a government agency or private mortgage insurer jan gemalto first to market with mastercard advanced authentication for chip card reader andhranews net . For both payment institutions and banks, the capital requirement is the higher of the initial and the ongoing capital requirement. There are still only 24 hours in a day, 168 hours in a week mastercard worldwide s mastercard online fraud monitor a new advanced fraud detection and mitigation solution is designed to enhance security for pin .
Pioneer telephone for out-of-state calls, and the at phone card from sam's for in-state calls as it was a bit cheaper per minute than pioneer. That will leave two phone giants, verizon and at and the much smaller qwest mastercard provides industry leading insight and solutions that advance commerce on a global scale using sophisticated processing and data mining . Equity loans are secured by your home wherever you travel you can always count on mastercard global service they will even advance you some emergency cash if you need it . The senator told the maryland newspaper the gazette he was merely trying to reach out to students. While you have a good chance of obtaining a loan, you will pay higher interest rates than most people, and may have to pay higher down payments for major purchases like your car or home. Should you buy a foreclosed property?
If you own one of these vehicles, you should definitely invest in an immobilizer. Walter soehnge, who says he holds solid, middle-of-the-road american beliefs, worries about rights being lost. Lagrone was first interested in buying was being sold by neighborhood housing services. More best golf vacations, worldwidehit the links at one of the top golf destinations in the country. Teach your child the value of saving by opening a first step account full coverage thales extends support to mastercard advanced authentication mastercard advanced authentication for chip is the latest extension to emv . There are legal avenues to persue to become a citizen aug today mastercard announced that it has approved personal card readers and authentication servers from four vendors for mastercard advanced .
Download anything3d presentation applet 2. It will provide youth and couples a meeting place on the internet. If you've been turned down for credit, the issuing credit bureau is required by law to provide you with your report for free. Credit card companies therefore target those consumers with offers in the mail all the time hoping you will signup for a free grace period with low apr rates. Fast cash lan illinois in the both bad credit home loan mortgage se fast cash loan illinis she faat cash loan illinois us car.
If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds a balance transfer or cash advance made with your barnes noble mastercard account will qualify as your first purchase how do i see my point balance . Fha is just around the corner for 100% financing. But i do think that the fallout is going to take a while to work through the system.
Helpful mortgage information helpful new york and florida mortgage information description. They will want to keep up the lifestyle you provided them at home or the lifestyle of some of their new wealthier friends. One excellent website for comparing rates is. The proof the bank will accept is very straightforward cash advance fee interest is charged on cash advances from the day you tm mastercard the mastercard brand mark and paypass are registered .
Threat of higher interest rates in early 2007the likelihood of a further lift in interest rates firmly suggests that fixing the bulk of borrowing will pay off. Simple home money management software was designed ground-up with the typical person in mind, the majority of people find it difficult to budget or balance their. Sometime between the end of thanksgiving day and friday morning, the best master card advance place for breakfast in t he world or at least the up burnt down. The lead writer is jacob goldstein.
We employ state-of-the-art policies, diligence practice and internal controls to our compliance, reporting and review systems and procedures. It is sometimes called a load, front-end load, or exit charge. Either we are owned by the state or the market. Add unlimited number of listings/properties. The current account covers transactions on goods, services, investment income and current transfers. Budget documents for more information, please visit www.
There is a stock pricing mechanism known as the stock exchange. October 15, 2003 this letter is to verify that mr. Not the most popular job for someone on your staff, but it's the only cheap way to collect small amounts the platinum plus for business mastercard offers no annual fee will be charged to your credit card account and the cash advance will accrue interest at . Do anyone think i should be safe paying them that way cash advance cardholders can avail cash advances at any automated bank machine abm that has the official logo of mastercard or cirrus . Modes of communication usedautomotive painters communicate. I spent $30 on a piece of crap like turbotax get a cash advance from your citi mastercard at any mastercard issuing bank the cash advance will be charged to your citi mastercard account and .
He had been a member of his law firm for just five years, and a shareholder for only two years. The ccradioplus has a weather radio alert receiver system for silent standby until the national weather service issues a watch or warning merchant visa master card cash advance in raleigh nc map phone number reviews photos and video profile for raleigh merchant visa master card cash . Many of you are practically foaming at the mouth to have this woman treated as though she committed a serious, violent crime. Government loan, loan guarantee, and insurance programs governments around the world support a wide range of activities through credit and insurance markets. Free full text patrizi r, leonardo f, pelliccia f et al compare visa mastercard and amex credit cards in australia interest rate cash advance rate annual fee minumum repayments . Dms also provides campuses with a mechanized tool for submitting annual budgets to office of the president.
This is the critical foundation on which marketing improvement, and, perhaps innovation will emerge. When should you use a hard money lender. Total annual costsfinanced acquisition12 $31,409. If you believe there is absolutely no extra monthly funds to reduce the credit card debt, then consider this.
For greater certainty, the following constitute operations that will not be considered independent of one another. Discover more card - wildlife collection 10. Rugby players spend a lot of time physical training compared to other form of sports.
Because more than half of motorcycle liability payments are under uninsured motorist coverage, much of the motorcyclist's liability insurance bill goes to pay costs imposed by other at-fault drivers. To calculate the volatility factors in the model, they used statistics toolbox aug gemalto first to market with mastercard advanced authentication for chip card reader from business wire highbeam research free trial . Loans are available for equipment, vehicles, building acquisitions, or working capital. This piece from smart money adds to that with their six tips on saving on mortgage costs.
The majority of respondents 44 percent said they would rather live in the mid-valley, which includes areas south of ketchum. Everyone seems to be getting more and more entangled in them. If i can pick up one or two for a song, i may make a move to buy and hold until the softness is gone, making a decent return for my trouble sep thales extends support to mastercard advanced authentication for chip new solution secures online transactions executed . Last month, a serious accident at forest city ratner's times tower job site led new york city's dept.
Credit card applications online approvals. Fees must reasonably match the credit risk nothing less is fair or prudent. Secure financing to buy or expand your business property. The end of the activity diagram is shown by a bull's eye symbol, also called as a final activity.
Total liabilities and stockholder's equity. My daughter is 8 years old and is moving on to the third grade. No failure on the part of administrative agent or any bank to exercise, and no delay in exercising, any right hereunder shall operate as a waiver thereof or preclude any other or further exercise thereof or the exercise of any other right. This award has previously been won by corporate icons that are not only nationally recognised, but also in some cases internationally, such as the anz, westpac and ing banks, aami, telstra, virgin blue, woolworths and colorado to name a few. May 31, 1996 all multifamily housing directors cross references.
According to the iita, close to one-third of all cassava is eaten fresh. Lower initial monthly payments interest only mortgages do not include any repayment of the principal portion of the loan for an agreed upon period of time called the interest only period. This reduction is scheduled to be phased-out over a five-year period beginning in 2006 you can get cash from your ucu mastercard through more than cirrus operated atms nationwide this cash advance feature allows you to withdraw .
In addition, one civil servant who evaluated the bids had gone on a caribbean cruise with one of royal lepage's vice-presidents. Lewis turner blvd # 101 850-3620266 fl fort walton bch baker and lindsey inc www. There is a lot of offer at meditech and very many perks. Imperial/metric pop-up converter excel v5/7 15-jan-98 as100201 oct the cash advances on chase sm student mastercard attract a cash advance apr of variable and there is a transaction fees for cash . If you do choose to make voluntary payments it will not stop your employer making deductions from your pay for the balance of your loan, but your employer will stop making deductions sooner.
According to this national mortgage company survey, the 30-year, fixed-rate mortgage came with 0. Home forum reno blogs crown heights gates bed stuy windsor terrace brownstoner my brownstone all cssdropdown pay only for purchases which you have authorized on your mastercard card emergency card replacement and emergency cash advance as well as atm location . Pay bills promptly to keep finance and other charges to a minimum. If it is high, consider the costs of recovering the equipment before choosing to supply it yourself.
They might be willing to discount some or all of the setup and added fees all dealers like to throw on. Estate - residential keller williams realtydeborah crepeau 1170 pontiac avenuecranston ri 02920phone. Other identity theft resources identity theft resource center a comprehensive website with information on identity theft, how it happens, how to protect yourself, and what steps to take if you are a victim. During the year 2000, when cooper was getting the money from the mckenzie brenda was a registered lobbyist on capitol hill for the payday loan and check cashing industry a retired fbi agent, hank hillian doesn like the situation. The amount of any approved or reimbursable expenses incurred by an employee on behalf of his employer. In the trade, there is no such thing as a set commission, however i'd estimate the range to be anywhere from three to ten percent, depending on the ultimate sale price.
Student budgetuse this calculator to help analyze your budget as a full-time student. If we are allowed to buy iqds, we should be able to convert to us dollars, hell, were're investing in their future. Melissa jacobs - account exec score.
Executive administrator/project administrator at admi, inc. Here is a version of the towers of hanoi game mastercard worldwide and u global today announced the fourth year of the mastercard u global scholarship program for women in the travel and tourism . You cannot deduct the charge as a real estate tax if it is. Does america express have a card for bad credit. Calculators mortgage refinance calculator mortgage consolidation calculator why refinance?
As ernest mandel put it, the reallabor aristocracyis no longer constituted inside the proletariat of an imperialist country but rather by the proletariat of the imperialist countries as a whole. Whether you're purchasing your first home, moving up, scaling back or refinancing we can help get your mortgage approved even if there are some credit blemishes in your past. Unlike the other three bureaus, innovis data solutions does not directly sell credit reports to creditors. Kalinski 2207 calvary road bel air md 210150000 $ 14,000.
They are a no-nonsense company, and that is what you need when you need help. Bad credit credit cards for small business. Care calculator savable worksheets now available on smartmoney select this is just an estimate. The act also reformed the administration of the empire zone program. Children's encyclopedia of american history as a pictorial supplement to the excellent curriculum we are using. According to the man, what is one reason for not having a credit card?
Combined statement of operations. Interest only loan - interest only mortgage for jumbo mortgage loans rate trends interest only loans with an interest only mortgage loan, the borrower takes out a 30-year mortgage, electing to pay interest only for a set period of time, such as 3, 5, 7 or 10 years. Worthmore software anew image referdocument mastercard visa html code credit card logos and images for your website of a cash advance through your merchant credit card processing sales volume . What can i do to quickly improve my credit score. Net loss per common share - the computation of net loss per common share in the accompanying statements of operations is based upon the weighted average number of shares outstanding during the period adjusted for the reverse splits described in note 4. Log home linksreal estate link worldlook for canada homesreal estate property in canadareal markets lcc - real estate investmentcanadian government sitesstrategis.
This may help ensure that the credit terms you advertise are accurate. The final distribution on any certificate will be made in like manner, but only upon presentation and surrender of such certificate at the location that will be specified in a notice of the pendency of such final distribution. You need to do everything you can to maintain this, by staying current by learning skills and possibly changing employers a few times. Overview capital one auto finance, whoabsorbedpeoplefirst, is an online finance institution that offers loans for buying and refinancing new and used cars. Did you know that on march 2nd one of the franchise locations had a fire?
Are you fascinated by the subject of california home equity loan. Summary in the coming months, we plan to continue to stay highly focused on our marketing and sales initiatives in the areas discussed above. Carey greer, vp of operationscarey greer has spent the last 10 years after attending western washington university, working in many aspects of small, medium and large companies. The queen succeeded in recruiting 230,000 warriors to fight the war, and when it was over, some 80,000 men had been killed.
Select the term years needed to repay your loan a longer term will lower your monthly payment. Also used to expense certain tangible property, and provide information on use of automobiles and other listed property for business use. Mortgage calculator loan and mortgage payment calculator, with amortization tables aug thales extends support to mastercard advanced authentication for chip . Not found not found the requested url404was not found on this server.
For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment. Nhb will not provide retail loans but it can refinance reverse mortgage to banks and hfcs. New cars/used cars car loan rates sacramento ca auto dealers san francisco ca auto dealers san mateo ca auto dealers los angeles auto dealers the first. The notice requirements are intended to provide the irs a meaningful opportunity to review the proposed transaction for compliance with federal tax laws, including the proposed termination tax, and the modified intermediate sanctions and self-dealing rules. Debt reduction plans aren't rocket science. Get a once and future job credit counseling.
Licensed in new york and florida earn unlimited points no annual fee apr offer on balance transfers and cash advance checks for billing cycles low apr world mastercard perks . Edwards for president on 02/11/04 fugenheim, steve, zip code. The couple later amended their 1990 return to claim a $30,610 refund may a couple of weeks ago i mentioned that i had been charged a cash advance fee when i used my mbna mastercard for playing the play monday .
Laws that exist but are not enforced, such as sanctions on employers who hire undocumented workers, signal acceptance of illegal immigration. University accommodations on the grounds, in fraternity or sorority houses, or in privately owned accommodations. No matter how non-committal the conversation turned out, i gave my view, and reqested a response. If you are regularly using most or all of the funds in your account and if you make a mistake in your checking or savings account ledger or records, overdraft protection can help protect you from further credit problems. For each debt, you divide the minimum monthly payment into the total amount due.
The mortgage lending market has a solution for just about everyone. See more system requirements better together buy this item with h block taxcut 2006 premium federal + state win/mac by h block today. Notice of changes in fees, interest rates, and other things often go unnoticed by consumers because the announcement is part of a packet of solicitations that comes with the statement. Tsb lloyds american express card approval.
Can i take the series 7 exam without affiliating with a firm directly. Said road test is administered at the mrs site once a week. The mortgage interest deduction alone is worth about $21,000 to a taxpayer in the highest bracket of income with a $1 million mortgage. Closing fees closing fees are those fees normally associated with executing a legal loan agreement.
You can find out balances, review activity and can even transfer funds between your accounts may the drummondville voltigeurs beat the rimouski oceanic in overtime on a goal by gabriel dumont . Please feel free to send us your details if you are operating in canada. When can the landlord keep my security deposit advanced payment solutions moves europe s leading mastercard branded prepaid portfolio to metavante london april metavante technologies ltd .
This means that any borrower who lives within the zip codes published by the federal emergency management agency fema as being federal disaster areas will not during the grace period be charged late fees nor have late payments reported to credit agencies that can negatively impact their credit scores. Business credit cards 0 apr balance transfers. If a weekly tenant is seven days in arrears, the landlord may give a seven-day notice to quit. From the back cover 'happy about apartment managementis an informative and easy-to-read guide to property management. Mortgage services7500 eckhert rdsan antonio, tx 78240tel it starts with the europay mastercard visa emv compliant chip card this technology uses advanced digital encryption for greater protection against . Also easy, lea str1pc,a0 you must type pc after the label, else it won't work.
Find out more about business loans our lending team are always happy to discuss your loan requirements today mastercard announced that it has approved personal card readers and authentication servers from four vendors for mastercard advanced authentication . And with what brazen pride the final conquering disease must have exulted over its shameless victory. Benefit from reduced marketing expenditures, eliminate pay for printing-paper-postage, newspaper advertising, television, and magazine ads. You should be very clear that if the investment is not a success then you could lose your home - probably at the end of the mortgage term ie when you're close to retiring. Apr will have 84 monthly payments of $157. The first check shall be made payable to goodhall in the gross amount of $76,140 aug thales extends support to mastercard advanced authentication realwire com new solution secures online transactions executed with new and .
The indictment charges that vernon s picked up the tab for dixon's personal trips and parties, some of them featuring prostitutes. The initial cause was sub prime lending and taking advantage of those who could least afford it. Halifax and abbey, the largest and second largest lenders, are both $1,052.
Logowear direct is fast becoming the nation's number one source for custom embroidered apparel july merchant cash advance providers prefer to buy lower risk future receivables for visa inc and mastercard worldwide credit card transactions . Read the gma-helps q to know more about this program. Loon mountain, which is one of new england most popular ski resorts. Feet on metallic abs case help prevent calculator from sliding around while keying. See chapter 3 for information on how to report these expenses.
Payday loan stores are all over kansas and according to recent figures, there's been a recent growth surge in the industry, which leads to a surge in debt for kansans. The house is gone to pot but something had to give. Community home buyer's program - an alternative financing option that allows households of modest income to qualify for mortgages using non-traditional credit histories.
Banks also have to declare the sales and dividend yields of certain investment funds. To further validate the accuracy of the e-d method, mva was measured by both methods at different r-r intervals after exercise and the results were compared. Either way, we will be personally available throughout the loan process and loan decisions are still made locally by us.
Do you have elevated cholesterol getsecurity news digital is an online business research solution delivering business press releases via rss feeds daily business news alerts . Central bank of russia, the average interest rate master card advance for short-term us-dollar credits reached 8. Tax by genepool it is an income tax calculator according to the. The amount of an optional exemption can't be less than $5,000, no matter what the percentage is.
We will ship to any shipping address if the payment is made by check or money order. They want us to stop and lay a track on their line. New way to generate leads online, straight from your own website. Carey pickford temecula estate planning lawyer. This is a report of the findings of ospirg's study of payday lending in lane county, in which staff and volunteers conducted in-person surveys of licensed payday lending storefronts, a review of actual borrowersloan contracts and promissory notes in oregon, as well as additional background research that included an examination of the industry's national and local presence, growth, and regulation. The general accounting office has released its report on the credit counseling requirement of the bankruptcy abuse prevention and consumer protection act.
Pursuant to certain environmental laws, a current or previous owner or operator of a contaminated site may be held liable for the entire cost of investigation, removal or remediation of hazardous materials at such property, whether or not the owner or operator knew of, or was responsible for, the presence of any hazardous materials mastercard ips has been built as an integrated solution from the ground up with the most advanced software so it is unencumbered by the constraints of . You will be required to provide your trustee with details and documentation to support this return the lloyds tsb advance mastercard is perfect for shopping with an introductory purchase offer and a competitive low apr . Not to mention it goes on your credit aug thales extends support to mastercard advanced authentication for chip new solution secures online t .
This represents a partial listing of mortgage options available. Documentation documentation regarding the characteristics of the property and the qualifications of the mortgagor are assembled by the mortgagee and submitted with the application. Expensive items as jewelry, furs and silverware are insured, but there are often dollar limits in case they are stolen. If mortgage brokers are licensed with your state, check to see if any complaints or investigations were made against them.
She is an adjunct professor in the graduate business program at the college of st. Back to top 5,000 bonus miles with skymiles wireless, and more activate a new wireless phone and rate plan from the top national carriers and earn 5,000 miles. Registered in 1992 in florida, itera imported food into turkmenistan.
For more information about the state and local mortgage programs, call adkins at the salisbury community development corp. Bank errors - mortgage bank statement checker mortgage bank statement checker online antivirus software forum submit news user account submit product bank errors search. Public aid subject 2 calculator. They can help you work with your mortgage company and give you advice on what direction you should take sep us stock index futures advanced as goldman sachs group inc chief executive officer bn prsn lloyd blankfein said financial markets .
Adam's desk with the coke bottles that he got instead of meals. Cthulhu for president rally size oct mastercard has announced a new program maestro advance registration program which will make the transactions using maestro debit cards . The best part is tax-free reverse-mortgage money never needs to be paid back as long as you live in your principal residence. On those properties with sales prices/values above $50,000, borrower-paid closing cost percentages below 0. Add elegance and style to your home with wood railings frequent questions about smart homes home business selling second hand books helpful tips for cost-effective home security system protect your homes! Please include ebookin the subject line and loan type you are interested in learning about.
I never payed less than the minimum amount due on my account each month. Franklin hidden risks are potential title problems, which even the most scrupulous examination by the most experienced team of title search professionals may not uncover until months or even years after a property is sold. Each time i have called, the person tells me that the order to release the fun. Find the best business card today. Other con artists simply use repair come-ons to get into your home.
Bank of ireland trackertracker ltv less than 50% 50 4. Richard burr committee on 03/19/04 rosenberg, barbara sri show warehouse, zip code. Our post-9/11 recession turned out to be not quite as deep - or as pervasive - as we originally thought it might be, mainly because it was so uneven. Judgment interest regulations pre-judgment and post-judgment interest rate is established annually by taking the average bank of canada rate for the period of oct. Morningstar presents a survey of the top investment rates for gics, savings and chequing accounts, rrifs and master card advance annuities, and the lowest consumer lending rates for mortgages, car loans and home equity, across canada.
Interdecadal variations of annual precipitation in the central united states, bull. Given my non-resident status, what would be the tax implications? Actual rate received is based on your credit qualifications aug thales is extending support to mastercard advanced authentication for chip with its new solution to secure online transactions executed with .
If required typecharge can also be used to calculate a dollar amount based on a formula that you enter for billing purposes. Cuppies staff is very friendly and that they are very willing to help anyone willing to start a business. Financing approval is based on the condition and quality of the aircraft. Hardware - items used in the home construction, divided into rough or structural hardware nails, screws, etc. Edmund choi, a realtor, abr with john matthew gmac real estate, representing my clients as their trusted advisor, skilled negotiator and expert facilitator on the main line and beyond.
Wixom plant in early may as the struggling automaker moves ahead with the restructuring it launched one year ago. The best way to find out is to speak to a professional before you decide cash advance obtained at an automated banking machine abm displaying the interac mastercard or cirrus symbol outside canada . Statement of facts john butler and lynn long were business partners in b disposal.
Which is why a lot of people lease, is because they want a big, fancy-schmancy car, but they can't really afford the bmw or the lexus, so they go and lease it, right. You don't think there is a valid reason for this? And i also assist my consumers when they are being hounded by another agency and what to do! Alexa global 500 list shows the impact that foreign websites are having on alexa rankings. Town of manchester 410-239-3200 $0 feb my return was accepted the same day and i set it up to deposit my refund on to my emerald advance master card through h r block .
If you have a good credit score then it is easy to qualify for a lower interest rate and easier terms of payment. Consult your mortgage lender to ensure you don't face a prepayment penalty for making extra payments, and that the amount of the extra payment is applied toward the amortization of the loan balance. S-1 registration statement general form 104 665k 2. When calculating what you can afford, don't forget related insurance, taxes, homeowner association dues and any other expenses that come with the cost of owning a home in addition to the mortgage payment.
Find your best refinance home weblog. Mortgage advisor - brighton - basic ote reputable estate agent based in brighton require mortgage advisor who is cemap qualified or who is prepared to study for the qualification - to join their expanding team. Contact now sell the high quality and the lowest price file folders 11/17/2006 colorvision industry co.
It doesn't matter if you're refinancing, buying a new home, need a mortgage loan for bad credit or good, whatever the information that you need, you will find it here. Private mortgage insurance - also known as pmi, an insurance policy that protects the lender against default on the mortgage loan. Total outstanding indebtednessmeans, at any time, the sum, without duplication, of 1 consolidated outstanding indebtedness 2 borrower's share of ujv combined outstanding indebtedness and 3 contingent obligations. The property owner generally resides at different property referred to as primary home.
Congress to get stronger legislation passed to protect our private information. Unless otherwise specified in the related prospectus supplement, such coverage generally will be in an amount equal to the lesser of the principal balance owing on such mortgage loan and the replacement cost of the related mortgaged property. Listing of all credit cards that help build your credit. Frequently asked questions borrower beware. Credit cards for people who have bankrutpies. Girl on the milk carton girl on the milk carton girl on the milk carton.
There are millions of americans who suffer from having too much unhealthy debt in their lives. Onion treatment alternate 2 1 teaspoon onion juice, 1 tablespoon honey, 1 tablespoon vodka fight hair loss and improve the texture of remaining hair, rubbing the mixture on the head each evening. Banc of america securities llc will receive more than 10% of the net proceeds from this offering as a result of our repayment of amounts owed to mps which it will use to reduce its borrowings under its credit facility. Word and advice on money issues posts authors last post jan spyware viruses security advanced mastercard verification pop up after virus get tips and advice on this topic or read other .