The Best Online Multiplayer Game -League of Legends aka lol

The current top multiplayer online video game is League of Legends or also known as LOL. It is developed by Riot Games and it’s gameplay follows closely that of the Defense of the Ancients (Dota). The game is playable on both Windows and Mac operating system. Ever since its release, League of Legends has become immensely popular among gamers from all over the world; breaking the highest record of the number of hours being played ever.

Champion skins affect the physical appearance of the champion and can be purchased using riot points. League of legends codes can be redeemed for most of the skins found in the game however skins which were available for a brief period of time due to events or promotions are rarely released for a second time. League of Legend codes can be purchased using Riot points and the price range from 390 to 3250. The amount of effort taken to enhance the in-game character reflect highly on amount of riot points is needed to purchased it. Two of the highest types of priced skins are the legendary and ultimate skins which affects additional animations or special effects in the game other than its physical appearance. These skins are usually discounted upon release for a coupon of days before being taken off from sale thus making it highly sought after by gamers who redeem league of legends codes using riot points.

For gamers who do not wish to spend money could also refer their friends through league of legends referral program. There are countless of rewards to be redeemed after a certain amount of friends are referred through the league of legends referral program. Through this program, the valuable riot points could be cashed out for league of legends codes or league of legends skin codes and thus many players have been found abusing it. It is highly recommended not to trick the system as it will affect your account standing which might cause your account to be banned. In addition, player gets a unique forum title and a whooping ten thousand riot points after reaching a hundred referrals. His is considered a top achievement for any players.


Meet the 3 Land the Big Gig finalists

Many of the 800 bands playing Summerfest 2014 have been booked for months.

But Doozey,Eagle Trace and Marie Wise-Hawkins just found out they were playing the Milwaukee music festival a couple weeks ago.

That’s when the three acts — Doozey and Eagle Trace from Wisconsin, and Wise-Hawkins from California — were selected as the three finalists for the third annual Land the Big Gig competition.

The nationwide talent search, co-sponsored by the Milwaukee Journal Sentinel’s Tap Milwaukee website, as well as Summerfest, Robert Haack Diamonds,Noah’s Ark and K-Nation Entertainment, or KNE, invited bands and singer-songwriters around the country to submit video auditions, and the general public to vote for their favorite acts.

The three finalists will perform at the Briggs & Stratton Big Backyard on Thursday in front of a panel of judges including former Milwaukee residents and “American Idol” finalists Danny Gokey and Naima Adedapo; Summerfest Vice President of Entertainment Bob Babisch and Dave Willems, president and founder of Willems Marketing in Appleton and co-founder of Appleton’s Mile of Music festival with singer-songwriter Cory Chisel. Gokey will also host Thursday’s finals.

The bands are competing for a $20,000 grand prize, a $5,000 second-place prize and a third-place $2,5000 prize. All three acts will win recording time and songwriting and mentoring resources from KNE, a chance to be featured on the KNE New Music Stage Compilation CD, and a bonus 30-minute slot on the KNE New Music Stage on Friday.

“This is major for our career,” Wise-Hawkins said. And that’s a sentiment shared by all three finalists.


The third time was the charm for Doozey.

The Appleton pop-rock band has entered the Land the Big Gig competition since year one in 2012.

“The previous years we made the top 10, which gave us hope, and it was kind of disappointing when we heard three other bands made it,” said bassist Ryan Patterson, 22.

But this year, Doozey is one of those three bands.

“When I talked to my mom, she called me at work and I couldn’t understand her. She was screaming and crying the whole time,” said frontman and rhythm guitarist Andy Van Dusen, 23.

So how did Doozey make the cut after two previous failed attempts? Patterson credits the band’s unofficial marketing manager.

“We got my grandma involved,” Patterson said in all seriousness. “She told a lot of people (to vote) and told a lot of family members, and it branched off from that.”

But to Doozey’s credit, the fan base and accolades have grown since the band of three Culver’s employees (and Van Dusen’s school friend Michael Moede, 23, on lead guitar) started up in October 2010, inspired by bands like Weezer, blink-182 and Motion City Soundtrack.

“We all share the same dream of wanting this, and the chemistry among all the bandmates, I never experienced with any other band,” Patterson said.

They started off as a cover band, but Van Dusen kept writing more and more originals — enough for the band’s debut album “Almost Magic.” Released last year, it was nominated for best pop-rock album by the Wisconsin Area Music Industry association’s awards this year.

“To have something that started out in my head to becoming something where I’m plucking strings on my guitar, to end up being something that people recognized and liked, we’re all blown away by that,” Van Dusen said.


The guys in the New Berlin band Eagle Trace have gone to Summerfest for all 11 days for about the past six years.

“We’ve seen so many bands play, and we were always like, ‘One day, we want to play a stage,'” said bassist Jackson Borgardt, 18.

That day happens Thursday, when the alternative rock band competes in Land the Big Gig.

An actual band of brothers, the Borgardts were inspired by acts like Arctic Monkeys, Kings of Leon, Foo Fighters and Oasis.

They were also inspired closer to home. They got their talent from their father, who used to play in a Christian rock band, Jackson Borgardt said, and some of their musical tastes from their mom, who worked in radio for over 25 years. Mom’s brother Mike Stefaniak also was an inspiration; he’s better known in the Milwaukee scene as Mike Benign from the power-pop band the Mike Benign Compulsion.

Finally about five years ago, oldest brother Max, 25, started playing guitar.

“My senior year of high school, I decided to pick up an instrument, and I figured Max was already playing guitar, so it made sense to play bass,” Jackson Borgardt said. “Cass (18) a month or two later wanted to play too, so he picked up the drums.”

Eagle Trace, named after the street they grew up on, became a band in 2011, with Broderick Coning, a student of the Borgardts’ music teacher, on guitar. But they had no lyrics and no singer.

“We looked for a few months, put ads up at Cascio and guitar stores around town, and when we booked a gig, my brother Mitch was like, ‘I’ll give it a try,'” Jackson Borgardt said. “We knew he was a fantastic writer — he was going to go to school for film writing — and his lyrics were spot on, but we had never heard him sing before, not in choir or anything. But it just clicked.”

From there, Mitch scrapped his plans to go to the Academy of Art University in San Francisco, transferred to the University of Wisconsin-Milwaukee and stayed with the band. Eagle Trace released two EPs in 2012 and played a couple of local festivals and the House of Blues in Chicago last August.

“To be honest, if it weren’t for music, we would probably all head in separate directions,” Mitch Borgardt, 21, said. “It has been our common ground that sort of brought us all back together.”


Los Angeles’ Marie Wise-Hawkins might have the upper hand on the Land the Big Gig competition: She has a Big Gig veteran in her corner.

One of her guitarists, Chris Pucher, also Wise-Hawkins’ co-worker at an L.A. Guitar Center, played with Land the Big Gig finalist Flavia and the Red in 2012. He’s the one who told Wise-Hawkins, 25, to enter the competition this year, after forming her band about a year ago.

The great-granddaughter of an opera singer, Wise-Hawkins, 25, has “been singing ever since I was a little girl. I grew up on country music: Dwight Yoakam, Martina McBride, I grew up on Elvis.”

She even played country legend Patsy Cline in a production of “Always…Patsy Cline” at the Canyon Theatre Guild in Newhall, Calif.

A songwriter since she was 15, Wise-Hawkins says her work with her band is “a fusion between classic and contemporary country music.” The band released its first single, “All I Need,” in February.

“If we were to win the grand prize, it would allow us to record more and tour more,” Wise-Hawkins said. “We had no idea we’d be in the top three. It’s a blessing in itself for sure.”




What: Land the Big Gig finals

When: 5 p.m. Thursday

Where: Briggs & Stratton Big Backyard

Tickets: $11 noon to 4 p.m. weekdays; $18 after 4 p.m. & on weekends (ages 11 & older), $6 seniors 60 & older & children 3 to 10 (all times)


? Grand prize winner Hydra Melody, the hyperkinetic, Tex Mex-flavored alternative rock band from San Antonio, Texas, spent its winnings on a two-week tour with alt-rock band Third Eye Blind last fall. It signed a publishing deal last summer and is recording its debut album in July, with a tentative November release, said frontman Jordan Berlanga.

?After seven years, Nashville country bandthe August, last year’s second-place winner, is on a hiatus, said frontwoman Jacky Dustin. “Three of the four of us are getting married in the coming months, and real jobs have gotten in the way,” Dustin said. Bassist and songwriter Wojtek Krupka has also been touring with another project, Los Colognes. But the August still has its winnings in the bank, which it hopes to use to fund a record.

? Last year’s third-place Big Gig winner, Milwaukee rock bandIndependent Idols, will be back at Summerfest, showing off its pop-leaning, danceable new material, at the U.S. Cellular Connection Stage at 12:30 p.m. July 3. The band recently started recording a new EP and used its winnings to pay off some bills and upgrade some equipment. “Morale went through the roof for sure,” frontman Ryan Charles said. “That was one of the best feelings I’ve ever had, to walk out on that stage and see hundreds of people in front of you.”

Mortgage Deficiency Judgment After Foreclosure or Short Sale

A Deficiency Judgment Lowers Credit ScoresIf you’re facing a foreclosure or short sale, very little seems worse than the prospect of losing your home to your mortgage lender. Unfortunately, many former homeowners may be in for a particularly nasty surprise. Banks often have the right to file a lawsuit for a mortgage deficiency judgment and continue to pursue borrowers for their unpaid mortgage debts.

How a Mortgage Deficiency Occurs

After a foreclosure, the mortgage lender will attempt to sell the property either at a foreclosure auction or on the open market. If the price the lender gets for the home is less than the amount of money theyou owed on your mortgage loan, you’re still legally responsible for the difference.

Short sales are even more dangerous. In some cases, a homeowner who loses his home to foreclosure has built sufficient equity in the house to allow the mortgage lender to recover the full outstanding mortgage balance. This is never true of a short sale. The very basis of a short sale is the fact that the lender agrees to allow you to sell your home for less than you owe on your mortgage loan. Thus, short sales always create a mortgage deficiency. In certain circumstances, a forgiven mortgage deficiency may carry a tax penalty.

See: Paying Taxes on Forgiven Debt

Mortgage Lender May File a Lawsuit to Obtain a Deficiency Judgment

Once a mortgage deficiency exists, a mortgage lender can forgive the deficiency and claim the debt as a business loss on its taxes or it can sue you and attempt to recover the unpaid amount of the original home loan through the state’s available legal channels.

Should a mortgage lender opt to sue, you will be notified of the lawsuit via a court summons. If you wish to contest the lawsuit, you must respond to the summons and appear in court. Failure to do so will result in the court judge awarding a mortgage deficiency judgment to the lender by default.

See Avoid a Default Judgment

In some cases, a mortgage lender may opt to sell its outstanding mortgage deficiencies to a collection agency which will then file lawsuits against each of the debtors.

Consequences of a Mortgage Deficiency Judgment

Once a lender or collection agency wins a mortgage deficiency judgment, it will take legal action to enforce the debt. A judgment often grants the judgment creditor the right to forcibly seize payment for the deficiency in one of the following ways:

Wage garnishment

Bank levies

Property liens

Even if the judgment creditor opts not to pursue its legal debt recovery options following a lawsuit, the judgment itself still appears in the public record – and ends up on your credit report.

See: How a Collection Judgment Can Hurt Credit

Not Every Lender Will Pursue a Mortgage Judgment

Mortgage lenders that hold a second mortgage on a property are much more likely to actively pursue a mortgage deficiency judgment than the primary lien holder. The reason for this is that the primary lien holder may take a loss, but receives the property. The property serves as compensation for at least a portion of the debt that you still owe on your home loan. For many mortgage lenders this is sufficient since pursuing a mortgage deficiency judgment can be costly and time consuming.

If you took out a second mortgage on the property, however, the second mortgage lender is unlikely to receive any compensation for the debt following a foreclosure or short sale. This makes it more likely to seek a civil judgment to force you to repay the mortgage loan.

Some mortgage lenders won’t take former homeowners to court over mortgage debt that remains after a foreclosure or short sale because they aren’t permitted to. If you live in a “non-recourse” state, your mortgage lender cannot sue you for any loss it incurs through the seizure of your property.

Reduce the Chance of a Mortgage Judgment After a Short Sale

For consumers negotiating a short sale that do not live in a non-recourse state, avoiding a mortgage judgment due to a loan deficiency is a fairly simple process. As long as the mortgage lender includes, in writing, that it will not legally pursue the consumer for the unpaid deficiency of the mortgage loan, the consumer can safely proceed with the short sale.

A mortgage deficiency judgment can cost an individual tens of thousands of dollars and years of grief. For a consumer who could not imagine anything worse than losing his home, a mortgage deficiency judgment is a bitter pill to swallow. After all, the only thing worse than losing a home is being forced to pay for the home long after its gone.


State of California Franchise Tax Board: California Code of Civil Procedures and Foreclosures

U.S. Marshal’s Service: Service of Process

My VBAC at Home on the Farm After Two C-Sections

By Betty Raetsch-Saenz EcoBroker REALTOR


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I am a very “natural” person. I love to eat healthy, exercise, enjoy fresh air and develop healthy habits. So naturally, I wanted a home birth. I read everything I could get my hands on about the subject. I ate well and exercised. My first pregnancy in the early 1980’s proceeded along fine until the last trimester. Towards the end, my baby became deeply set in a breech position. My midwife tried to gently turn her manually and with a flashlight. Sometimes babies in the womb are attracted to light and will follow it. After she was unsuccessful, she sent me to another midwife more experienced in turning babies in the womb. This second midwife was unsuccessful too. I then went to my doctor, as I had been seeing both an M.D. and a midwife. By the time the doctor finished examining me I was bleeding and soon after started leaking amniotic fluid. I called my doctor back and she recommended I go straight to a team of ob gyns experienced in c-sections so I did. They immediately started proceedings to get me in the operating room. After an epidural was administered the procedure was performed, I was awake through the process, husband at my side. With talk of their latest golf games they made the incisions necessary to get my baby out surgically. A frank breach, once surgically removed, I saw that her buttocks were molded to the shape of the small space they were in. I could not believe I was now transitioned into a “mother”; I had a sweet baby girl, my first born.

For my second pregnancy I went to an M.D. experienced in VBACs or Vaginal Birth After Caesareans. I was hopeful throughout the pregnancy. When the time came I went to the hospital, only a block from my home in Corpus Christi, Texas. Immediately, a fetal monitor was strapped on me and I was laid down on a bed. After many hours my doctor broke my water bag or amniotic sack. I remember just breaking down and crying feeling that this birth too would be unnatural. After a few more hours I was diagnosed as “failure to progress” and given another cesarean section. My second child, another daughter was born! In retrospect I felt that I went to the hospital too early and that the lack of walking and other physical activities early in labor slowed my labor down.

For my third pregnancy in the early 1990’s I saw a midwife and an MD. Having no medical insurance I private paid the MD as well as the midwife as my pregnancy proceeded along. I was living on a working farm in San Patricio County, Texas with my husband, two daughters, horses and various farm animals such as chickens. From about month six until birth I attended a college in Corpus Christi to finish my degree. I remember in my 9th month getting down on the library floor to get books for research reports and barely being able to get up. Fellow students would ask me what would happen if I had my baby at school. Based on my past two experiences, I did not think that was likely. I registered for the next semester’s classes the day before my son was born. I had my two daughters with me and I had to breathe through strong Braxton Hick’s contractions just to walk across the Del Mar College campus. The next morning I woke up in the early stages of labor about 6:00 am. I called my midwife in Corpus Christi who was in no huge hurry to get out to me but did came in a couple of hours. She knew I was a little nervous. She brought her young child with her whom was still nursing. A friend from church, experienced in home birth herself came as my coach and another friend, a natural birth educator and nurse practitioner came to videotape and assist and encourage. I was able to walk around, drink a little juice, shower, get in the tub, and do whatever I wanted. That power and freedom felt amazing compared to what I’d been through before at the two hospitals. As long as I did my breathing and kept my focus I was “in control” of my pain. My team was immensely helpful in helping me to do this. At 6:00 pm my son was born. He was healthy with a great APGAR scale reading. When I called my doctor the next day and told him the news he gave me $1000. back since he did not deliver me!

My midwife was equipped with oxygen and was ready to transport me had the need arose. In the hands of strong women I gave birth to my precious son.

Our caesarian rate in the United States is way too high in my opinion. Do your own research and draw your own conclusion. Some caesarians are necessary but I was healthy and had non-recurring reasons. I related my story as a layperson, not a midwife, not a medical doctor but as a woman who endured two hospital cesarean sections and went on to have a third birth on a farm, at home, naturally, without an M.D., drugs or a scalpel. I cannot say it would be right for you, but for me it was the realization of a dream, an ideal. My natural VBAC at home, in the fresh country farm air on a cool November day was one of the most empowering experiences in my life.

Investing in Silver Half Dollars

Anyone with a TV set cannot be unaware of the regular commercials urging investors to buy gold. I may be too cynical for my own good, but if it is such a great deal why are these companies spending millions on high cost advertising? I decided to do a little research and spend a little time applying common sense to the best way of investing in precious metals for the ordinary man and woman on the street. Before continuing I would like to make it clear that I am not qualified to offer investment advice. I am simply sharing my own thoughts and ideas, and readers are encouraged to perform their own due diligence and draw their own conclusions.

Why Silver?

Since 1990 worldwide demand for silver has exceeded production consistently creating a very attractive supply and demand scenario for investors. In 2008, following several years of growth, the price of silver reached a price of around $20 per troy ounce before falling sharply in response to the downturn in the economy. Prices have since recovered despite the sluggish recovery.

Adding Bullion Coins to Your Portfolio

The silver market has a history of being manipulated by a small number of very powerful investors. Although this may sometimes work to the advantage of the smaller investor riding on the coattails of giant speculators, it does create a concern that prices are being artificially inflated. While the value of bullion coins is not immune to these fluctuations, older coins have a secondary value to coin collectors. This is driven by the condition and scarcity of the coin, not by the daily spot price.

Buying Pre-1965 Silver Half Dollars

Dollars, half dollars, quarters and dimes minted before 1965 have a 90% silver content. Of these four types, half dollars are by far the best buy. The numismatic value of dimes and quarters usually exceeds the modest value of their silver content. Silvers dollars are unlikely to be found for under $20 each, however it is still possible to find half dollars for less than $8. The main types will be the Walking Liberty type, minted from 1916 until 1947 and the Benjamin Franklin type, minted from 1948 until 1963. You may also find the Barber types from the turn of the 19th century fall within your price range, and of course the 1964 JFK half dollar.

eBay, despite it’s many detractors, offers a relatively easy way to pick up cheap coins. With the cost of professional coin grading being far in excess of the value of “junk silver” you will find that most are sold as upgraded, raw coins, or the grading is done by the sellers who tend to be very liberal in their assessments. This is not a big problem if you are looking for an investment rather than adding to a collection. Coins are graded from Good (badly worn) to Mint State (MS). Create a saved search and place your bids keeping in mind your upper limit and remember to include the cost of shipping. Other possibilities include flea markets, coin fairs and yard sales.

Occasionally you will find you have bought a coin in a collectable grade which will have a value significantly above its metal content. This can give a healthy boost to your investment, which would not be possible if you were buying bullion bars or modern issues. A nice bonus is owning something of genuine historical interest. While making money on any investment is by no means certain, the enjoyment of owning what are undoubtedly beautifully designed coins is worthwhile in its own right.

Important Update

At the time of publication, October 4th 2010, the price of silver was just under $20 per ounce. Today, April 4th 2011, exactly six months later, the price has reached $38. If you invested back in October as a result of this article I would like to hear about your success. Is it now time to sell? Possibly, although a three figure price is still possible.


Numismedia Fair Market Value Price Guide

Kitco silver spot price