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Sunday, July 25, 2010

� Best Discount Brokers for Online Stock and Option Trades

� Best Discount Brokers for Online Stock and Option Trades

List of the Best Online Discount Brokers

by DR

Updated List Of The Best Discount Stock Brokerage Firms
I‘m looking at online discount brokers to determine where to open an IRA account later this year. And in the process I’ve learned three important things about online brokerage firms. First, there are a lot of them. You’ve probably heard of many discount sites that allow you to trade stocks online (e.g., Zecco, Scottrade), but I’m guessing there are a lot of online brokers you’ve never heard of (Sogotrade may be one example). Second, while on the surface they can all seem similar, when you dig deep into what these brokers offer, you’ll find big differences. For example, not all of them offer the same account types. With some you can’t buy mutual funds, while others offer more mutual funds than most. And the stock trading tools available to you vary from one discount broker to the next.
And the third thing I’ve learned is that the cost of these discount firms can be tricky to understand, and in the end, maybe not the most important factor. Because I watch every dime we spend, it may seem odd that cost isn’t the most important factor to me (after all, we are talking about “discount” sites, not full service brokerage firms). I’ll come back to that in a moment, but first, it’s important to understand a few things about the fees discount online brokers charge.
How Much Will You Pay To Buy And Sell Equities Online
All of the firms make a point to advertise how much you pay to buy or sell stocks, mutual funds, options, or other equities. Zecco made a big splash several years ago advertising free trades (Zecco’s commission structure has changed since then). Today most trades at discount sites run from about $2.50 to $12 per trade. The key to remember, however, is that many of these firms charge additional fees, depending on how you use your account. These additional fees may include fees for large buy or sell orders, fees to buy or sell stocks trading at less than $1, account maintenance fees, account inactivity fees, and of course interest if you buy on margin.
Because these fees vary among discount brokers, the starting point is to understand how you will use your stock trading account. Will you trade frequently or just once or twice a month (or quarter)? Do you want to set up an automatic investment plan? Will you be buying stocks and mutual funds, or do you also plan to trade options? The answers to these questions will help you narrow the selection and ultimately pick the best broker for you investing needs.
As I mentioned above, cost is not a critical factor for me. Why? For starters, I’ll only be buying individual stocks, not options or other more expensive equities. Second, I won’t be trading a lot–once or twice a month at the most. So the difference between a $3 trade and a $7 trade is just not that significant for me.
Factors To Consider Other Than Cost
But just like most anything we buy, the cost is just one of many factors to consider. And the same is true when selecting a discount broker. So what are the factors besides cost that we should consider when selecting a discount stock broker? There are several, and they include ease of use, customer service, types of accounts offered, investing tools, type of investments you intend to buy, and account minimums. I’ve highlighted these and other factors below in the summary of the best online discount brokers. But just like cost, it’s important to know your investing goals when you evaluate your options. For example, account minimums may be a non-issue for you if you plan to invest a significant amount of money. Likewise, if you are looking for a specific account time (like an IRA), you can quickly eliminate those discount stock brokers that do not offer that account type.
Summary Of The Best Online Discount Brokers
1) Scottrade: Scottrade is high on my list of potential discount brokers for my IRA account. There are several reasons why I’m leaning toward Scottrade. First, the cost is reasonable, with stock trades costing $7. Broker-assisted trades are $27, but I’ll rarely if ever use a broker. Scottrade ranks well in broker surveys, including Smart Money’s 2009 survey. Its one downside according to Smart Money is its banking services, but I’m not going to be using its banking services. It offers a number of account types, including IRAs and other retirement accounts. And with a Scottrade IRA account, there are no opening, closing, annual or custodian fees. I also like the look-and-feel of the site. It’s well organized and easy to navigate. The account minimum is just $500, and there are no inactivity or maintenance fees.
Scottrade has one other feature that I like–physical locations. Among discount online brokers, Scottrade has the largest network of branch offices. While I expect the vast majority of my transactions will be online, it’s good to know that I can talk to a person face to face if I need to.
You can get more information about Scottrade or open an account by
2) Zecco: Zecco was one of the pioneers of online discount stock brokers. Today, Zecco offers 10 free trades per month if you either (1) have $25,000 in your account, or (2) trade at least 25 times per month. Beyond that, stock trades are just $4.95. Zecco offers Forex trading, including a $50,000 practice account if you are new to buying and selling foreign currencies. Zecco also has video tutorials on how to use its tools and resources. Here’s one of Zecco’s video tutorials on basic stock investing:
You can read my more detailed review of Zecco, or to get more information and open account, visit
optionshouse-discount-online-broker3) OptionsHouse: At first the word “options” in the name led me to believe that OptionsHouse only allowed you to trade options. Not true. With OptionsHouse, you can trade stocks, options or spreads. The cost to trade stocks is a flat $2.95, making it one of the lowest cost stock trading alternatives. There are no maintenance fees or monthly minimums, either. According to OptionsHouse, it offers a professional-grade trading platform backed by PEAK6 Investments, one of the largest options trading firms in the world. It is from this platform that OptionsHouse offers an array of professional trading tools:
To give you an idea of the look-and-feel of the OptionsHouse trading platform, here is a screen shot of its online design:
For more information or to open an account online,
optionsxpress4) OptionsXpress: OptionsXpress is another broker with a name suggesting it only handles options. But with OptionsXpress, you can trade just about anything including stocks and futures contracts. Stock trades cost $9.95, which is a bit more than some other discount online brokers. With OptionsXpress, however, there is no additional cost for broker-assisted transactions, which makes it a good option for those that want some help with their trades. Perhaps the one thing that OptionsXpress is best recognized for is its trading tools. Smart Money’s 2009 Broker Survey awarded 5 stars to OptionsXpress for its tools. The tools fall into three categories, designed to help traders find investing opportunities, analyze those opportunities, and finally to execute trades. And these tools include an extensive collection of videos. Here is a short video describing the trading tools offered at OptionsXpress:
Check out our detailed OptionsXpress review, or to get more information and to open an account online, visit
5) E*Trade: E*Trade was ranked first among discount stock brokers by Smart Money’s 2009 Broker Survey. E*TRade scored high marks across the board in categories ranging from customer service to research to banking services. While it ranked as one of the best in just two categories (banking services and Research), it scored consistently high in all categories. E*Trade’s research resources including portfolio management and analysis, stock and fund screeners, independent research, and risk analyzer. Stock trades cost $9.99 or less depending on trading volume and account balance. In addition, E*Trade is offering up to 100 free trades for new accounts, the details of which you can find on E*Trade’s website.
And yes, E*Trade boasts the funniest commercials among the discount online brokers. Here’s one of my favorites:
To get more information about E*Trade or to open an account online,
trademonster6) tradeMONSTER: With tradeMONSTER, you can trade just about anything, including stocks, options, ETFs, mutual funds and bonds. Stock trades are a flat $7.50 per trade, regardless of the number of shares transacted. Options start at $12.50. Overall, tradeMONSTER’s commissions and fees are competitive among online discount brokers. One really nice feature tradeMONSTER offers is called paperTRADE. With paperTRADE, you can open a practice account, use all of the available trading tools at tradeMONSTER, and practice using their system to trade stocks or complex options. tradeMONSTER also offers powerful tools for those trading options,
The minimum balance to open an account is $2,000. If you’d like more information about tradeMONSTER or to open account, visit
tradeking7) Trade King: Trade King is one of the lowest cost discount brokers, with both market or limit stock trades costing $4.95. And there is no additional cost for broker-assisted trades. It has been ranked #1 in customer service by SmartMoney Magazine and Kiplinger’s. Here’s what Kiplinger’s had to say about Trade King’s customer service:
In this category, TradeKing reigns. We were speaking with a friendly representative within 20 seconds when we called on a busy Monday morning for the stock market. Our e-mail asking a question about our account balance was returned in 7 minutes. You can also contact TradeKing representatives via instant messaging (only Schwab, E*Trade, Siebert and Scottrade lack the IM function on their Web sites).
The final thing I’ll mention about TradeKing is what it calls the Trader Network. Through the Trader Network, you can connect with other traders, share strategies and trading tips, and see the hottest trades of the day. To get more information or to open an account, visit
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{ 20 comments… read them below or add one }
Bill August 28, 2009 at 4:36 pm
Would you please provide a recommendation of a discount broker that facilitates stock trades on foreign exchanges, specifically Toronto, Australia, and Hong Kong?
DR September 27, 2009 at 2:53 pm
Bill, there are several alternatives for discount brokers that enable you to buy stocks on foreign exchanges. In researching the alternatives, it is important to understand that for many of these brokers, you can’t buy foreign stocks online, you must use a broker assisted transaction. Still, the cost of the discount brokers is relatively low, depending on your trading volume.
That said, here are some alternatives:
Scottrade: Scottrade has foreign exchange trades and offer separate commission schedules for Canadian Orders versus other foreign stocks.
E*Trade: Etrade offers a global trading platform that covers exchanges in Canada, France, Germany, Hong Kong, Japan and the UK.

T August 28, 2009 at 5:39 pm

Check out Interactive brokers, excellent tools, extremely low priced. Wonder why they arent on this list of brokers.

WILLIAM PEERY August 28, 2009 at 6:43 pm

Wendi Thiessen August 28, 2009 at 10:00 pm

I’ve been using Interactive Brokers for the past two years. They have a powerful system, incredibly quick fills and charge $1 per 100 shares round trip ($2 /100 shares for Canadian trades). You can trade in most international markets. They have great options and futures capability but seem to exist out of the spot light.

Toeser August 29, 2009 at 11:59 am

There are two things I look for that are hard to find in a discount (or any) broker. 1) Good and safe options for cash. When I don’t like the market, I sometimes go six or seven figures into cash. It’s important that that amount of money is earning something and is safe as it is well above FDIC and other guarantee limits. Scottrade is good in this respect. They break up your cash among several banks, if necessary, to keep full FDIC coverage. 2) Good bond trading capabilities on a commission and not a principal basis. Brokerage houses that trade bonds on a principal basis are generally ripping you off. E*Trade is not great, but good. Others have been very disappointing.
Any suggestions?

In the Money August 31, 2009 at 8:42 am

Thanks for the great reviews. When I did my research, I also choseScottrade as my top choice for both an IRA and trading account.

MSG September 16, 2009 at 6:24 pm

I use Interactive Brokers (trading account) and E*Trade (IRAs). IB is good, but it’s definitely for the experienced trader. You need to know the exchanges, symbols, etc. Easy for stock trading, a lot less so for futures, options & Forex. You actually can’t trade Forex on IB until you take a little exam they have, and have prior experience. While good for position / short term trading, wouldn’t use them for day-trading – the user interface isn’t conducive to it. For quantities of options (10-50), E*Trade actually approaches or beats IB’s rates. E*Trade is good for IRAs / SEP-IRAs, as it’s easy to get your funds in when you need to.

dutta October 21, 2009 at 7:51 am

Of all the brokerages i have checked .. i have found reliance money is the compnay which provides the lowest and cheapest brokerage amongst all the competitors..

Rich October 21, 2009 at 5:05 pm

Thanks for the tips. I use a comsec account to trade about once a month. I’d like to use E*trade or Scottrade as you recommend to save a few bucks (and encourage the CBA to be a bit more competitive). But how can I transfer the trades I’ve already made in comsec to a new online account? It doesn’t seem easy to switch between online brokers once you’ve invested some money.

Jen October 30, 2009 at 8:13 pm

If you choose to open an account with scottrade, you can get three free online trades (worth $21). Enter the code XEPG6413 in the box after selecting “referred by friend/received a promo code” on the application page.

Jeremy December 14, 2009 at 12:53 pm

I think SOGOTRADE is pretty good. It only cost $3 to make a trade (unlimited shares). They have good online and phone support, quick execution and a good inventory of shares that you can short! Oh and you only need $500 to open your account. You also get 100 free trades when you open your account. Can’t beat that.

Sue December 28, 2009 at 3:19 am

For Toeser, I use Scottrade, and am looking for cheaper but with good support. Think or Swim is never mentioned in any of these articles, and they are $5/trade, and I forgot what they charge for options. They are real brokers, and give advice if nec., and do not charge extra for broker-assisted trades. So that’s good. BUT, I had to stop using them because their platform is so sophisticated and difficult, and it’s easy to make a mistake.
As far as bonds go, I made the mistake of puchasing bonds through Scottrade, and then found a bond broker, Hennion & Walsh(no-I do not work for them). It was cheaper to buy from them. Scottrade had to buy through a bond-broker, and charged extra fees.
DR December 28, 2009 at 6:51 am
Sue, thanks for the comment. I’ve been meaning to review Think or Swim, and will do so soon. You hit on the main problem, however. The Think or Swim platform is really designed for very sophisticated traders. For those of us that trade less frequently and take a more passive approach to investing, there are better options for online discount brokers. Interesting insight on bonds. I’ve bought all of my bonds through mutual funds. I assume you are buying individual bonds.

Stephen February 12, 2010 at 3:17 pm

I’m looking for a brokerage firm which allow me to trade stocks listed in the Hong Kong Stock Exchange with my IRA account. Any recommendations?
jake3_14 December 7, 2010 at 4:42 pm
Interactive Brokers.

Don Griswold May 20, 2010 at 12:24 pm

You state “Zecco was one of the pioneers of online discount stock brokers.” , the firm is approx. 5 years old ( online discount brokers started out inthe early 1980′s). What criteria are you using to define them as pioneers?

Size Trader June 2, 2010 at 5:41 pm

What this analysis completely ignores is margin interest rates. Sogo is reasonable but the rest of them charge exorbitant rates.
For low rates and reasonable commissions, look at, and You may pay (literally) a few dollars more per trade but you will save many thousands on interest.

Gail Balcaen July 28, 2010 at 4:21 am

Just wanted to let you know, this Page(s) of information is the best I’ve ever come across to help me find solid, valid solutions to the problem of where to go to start investing my own money with Security, Expertise and Economy. Thank you, so-o MUCH !!! – - – CHIQUITA VIVA aka Gail Balcaen, Saskatoon, SK S7M OZ8 CANADA

Chris M November 7, 2010 at 2:42 am

I believe is a great options trading broker. They have a great desktop platform and the data feeds are free with your trading account. If you are trading options, seriously consider, which was curently purchased by TD Ameritrade.


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Do It Yourself???

Do it yourself, often referred to by the acronym "DIY," is a term used by various communities that focus on people creating things for themselves without the aid of paid professionals. Many DIY subcultures explicitly critique consumer culture, which emphasizes that the solution to our needs is to purchase things, and instead encourage people to take technologies into their own hands.
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Tag Archives: Sean Power

CBC Radio column: A stolen laptop and the future of criminal justice

by DJ Kelly May 18, 2011

In this alberta@noon column on CBC Radio One with host Donna McElligott I talk about the future of crime fighting. Specifically we discuss the saga of Sean Power and his stolen laptop. He had free tracking software that he used to see what the thief was doing and live-tweeted the entire event. His followers, friends […]

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SiriusXM Celebrates 10 Years of Ultra Music Festival Coverage with UMF Takeover

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Ultra Music Festival takes over Miami’s Bayfront Park from March 28-30, and SiriusXM’s Electric Area station has announced the launch of UMF Radio, a limited-run channel celebrating its 10 years of festival coverage. Launching on Friday, March 21 at 12 PM EST, the 24/7 commercial-free channel will feature performances and interviews straight from the festivities. Artists slated for broadcast include Armin van Buuren, Avicii, Carl Cox, Kaskade, Krewella, and Ferry Corsten & Markus Schulz’s New World Punx.

Additionally, artists will deliver intimate sets and interviews live from SiriusXM’s Music Lounge in Miami from March 26 to March 28. The full SiriusXM Music Lounge Miami schedule is below.

Fans can tune into UMF Radio via SiriuxXM channel 52 or the SiriusXM Internet Radio App available on smartphones and other devices. For more information, go to

SiriusXM Music Lounge Schedule:
Wednesday, March 26 from 1:00-6:00 pm ET on “UMF Radio” and Tiësto’s Club Life Radio
Tiësto’s Club Life Radio 3rd Annual Celebration featuring Martin Garrix, DJ Snake, Carnage, Seven Lions, Dzeko & Torres and MOTi

Thursday, March 27 from 1:00-6:00pm pm ET on “UMF Radio”
Hardwell presents Revealed Takeover alongside W&W, Dyro, Dannic and Deorro

Friday, March 28 from 1:00-6:00 pm ET on “UMF Radio”
Armin van Buuren and Friends’ Armada Takeover alongside Cedric Gervais, Audien, Ørjan Nilsen and Andrew Rayel


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Minnesota Department of Labor and Industry

June 2, 2014

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Fatalities caused by falls from elevation continue to be a leading cause of death for construction workers. In 2012, 269 of the 775 construction fatalities in the nation were the result of falls.

Construction companies are asked to stop work for a safety stand-down meeting focused on a related safety topic, such as ladder safety, fall-protection equipment or scaffold safety, to provide workers with information about hazards, protective methods and the company's safety practices, policies, goals and expectations.

Fall-prevention resources, posters and participation information are available online at www.dli.mn.gov/OSHA/Falls.asp.

Beginning June 2, companies can print a participation certificate at www.osha.gov/StopFallsStandDown and share a photo from their safety stand-down meeting on Twitter using #standdown4safety.

Stand-down events at various worksites in Minnesota during June 2 through June 6

Construction company

Adolfson & Peterson

Folkestone at the Promenade

St. Croix Crossing

J.E. Dunn

Minnesota State Capitol Renovation

St. Paul

3M R&D Lab

Minnesota Multi-Purpose Stadium

The Nic on Fifth

Ryan Companies

Target North

Brooklyn Park

News media contact:
James Honerman
(651) 284-5313

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The ego's have to take a back seat

Brad Friedel, Wednesday, July 11, 2012 (TalkSport)

We'll welcome any good addition to the squad. When I first signed here there was no secret that at some stage Tottenham Hotspur would need a long term number one goal keeper. I'm 41 years old. This could be my final season. I'm here and I'm contracted to the football club and I'll do whatever is asked of me. Whether that's a number 1, a number 2, a number 3...I'll do it to the best of my ability. It's easier as you get older to realise it but this is a team sport and the ego's have to take a back seat if you want to be successful

Sharing this quote from pre-season as it's fair to say some people have forgotten all about it. I've seen some supporters on social media discuss how Lloris only started this past weekend because of 'board pressure' along with France playing and how it would cause issues with Andre Villas-Boas if the French number one wasn't involved at club level. So it's unlikely that the coach picks the team based on fixtures and tactics and that the decisions on player selection is conducted by directors and people outside of Spurs that have no influence or direct relationship with the club. Nothing it seems is ever conducted as normal routine, there is always a conspiracy sitting in its shadow.

Stranger than fiction?

Reader Comments (16)

Brad Friedel - a true professional.

Oct 9, 2012 at 10:48 AM | Unregistered CommenterN14 Spur

Brad is showing his humility here and that's what makes him such a likable person. William Gallas has also surprised me with his mentoring of the younger boys. Even Ade looked contented on Sunday. AVB is surprising me and he deserves respect. Why should the media questionthe team he picks. Fuck them.

Oct 9, 2012 at 10:52 AM | Unregistered Commentercookiebun

People have forgotten that quote? People tend to forget a lot of things when it suits them, but then, it's how you create mountains when you only have molehills to work with.

Oct 9, 2012 at 11:02 AM | Unregistered CommenterJohnnyB

Who cares a donkey's bo**ocks what the media say. Lloris is set to become our permanent No 1 and obviously Brad knew that once Hugo was signed. Brad has earn't his place in the record books and fair play to him. The man is just remarkable to go through 310 games without injury and I feel proud that part of this record was spent with us. I hope he spends the rest of his contract time with us with humanity and dignity that he has always appeared to show, he 's a first class professional, a top man. Hugo Lloris is the way forward and I hope he retains the first team jersey for the rest of the PL season with Brad playing all the cup games.

Oct 9, 2012 at 11:10 AM | Unregistered CommenterAndre's Crouching

Is that a dig Johnny?

(get it?)

Oct 9, 2012 at 11:12 AM | Registered Commenterspooky

I think Lloris has it in him to be a fantastic goalkeeper and possibly the best one I've ever personally seen wear the shirt, but I'm a big fan of Friedel. Was a bit wary when he signed because of his age, but to achieve what he has, at the age in which he's done it is, worthy of some applause. He's always struck me as a genuinely decent fellow, and an exemplary professional, like he's just happy to get his head down and get on with it. It's not just a feel-good story either, the man has performed quite well even if his style is a bit limited. I'd like for him to stick around, regardless of his squad status.

I'm more curious about Gomes. I've always thought he did alright, even if he was a total mentalist. I hope they ship him somewhere that can use him.

Oct 9, 2012 at 11:18 AM | Unregistered CommenterJM

They are still trying to stir up crap ,it gets on my nerves with these hacks starts of as a small thing and escalates depending on the paper star and sun mainly, and not so much in the mail -express,yet again the words reported from lloris are screwed, about 2 weeks ago against CARLISLE they made a big deal over him not playing, he was ill for f**ks sake but that didn't matter to the Daily Star trying to create divisions between players and manager again,its now 3mths seems like a personnel vendatta to me
Because they were made to look like complete idiots!!! last time with all that crap about upheaval ,player unrest some people WILL believe it thats the problem,and REDCRAPP[fantasy football manager] wont be far behind because they resent LEVY as well ,balls to the lot of them

Oct 9, 2012 at 11:21 AM | Unregistered Commenterspur1950

All these conspiracy theorist should stop reading the tabloids, the scum, mirror and daily fail etc and stop listening to talkshite! These so called news sources have a vested interest in sensationalizing any story however mundane and they also have their own petty agendas. If you read or listen to these media outlets then you are the lowest common denominator because that is who there stories are designed to attract, the lowest echelons of society those that cannot think for themselves!

Oct 9, 2012 at 11:21 AM | Unregistered Commenterspurstough

N.B Lloris said that all of the garbage the media stirred up was just that- garbage. Paraphrased and exaggerated for effect there, but he apparently he has/had no issue with how things were going and know's that it'll take a while for him to adjust fully to the prem. I got the quotes from the semi reliable site known as -

So there you have it, the anti-AVB's are being silenced week by week, which makes me feel all the more smug. If there's a reason outside the usual, of finishing top 4, it's to really tell the cunts to cordially shut the fuck up. AVB revolution COYS!

Oct 9, 2012 at 11:36 AM | Unregistered CommenterBimspur

All through these guys careers they have had to compete to succeed. This is no different.

Friedel also knows that sooner or later he will be phased out of the starting line up. I am sure that if he is unhappy at Spurs he will have no shortage of clubs that would sign him and play him as number one. Not that I wish this, but it's a fact, same as any a majority of our players.

It's a non story. Move on people there's nothing to see here.

Oct 9, 2012 at 11:53 AM | Unregistered CommenterAmericanBarbarian

Its a non issue !

The media clowns have from the very day AVB was appointed as our new Manager, - tried to stir up problems were none excisted. I think AVB by letting Lloris play in Athens and again on Sunday at The Lane, apart from given him some needed match experience/getting to know his team mates in a match situation, - also at the same time have pre-emtied any bullshit complains from Dechamps and in turn given further fuel to the MediaClowns, during the upcoming International break. From now on, - until Brad retires, - AVB will choose whichever goal keeper is judged by our management team to be best for Spurs, -End of story !

Again all is Sweet and Dandy in The Spurs Camp

Oct 9, 2012 at 12:16 PM | Unregistered CommenterAllan

Once again I find myself in agreement, last 3 posts spot on.

We have to tunnel through the dirt, and not blindly digest what these worms write, and have 'em for breakfast.

Oct 9, 2012 at 12:28 PM | Unregistered Commenterfillar

Oct 9, 2012 at 1:33 PM | Unregistered CommenterLuke

Stuff some sections of the media and others who continue to be negative towards AVB and the club. The signs for the future are very good, I know the high priestess of Delphi told me. COYS

Oct 9, 2012 at 1:59 PM | Unregistered Commenterpleb

Had a long chat last night on this subject. If I was a betting man I'd wager that Lloris starts against Chelsea. My thinking: Lloris will have had a run of play with these international games and will get the start, but, no matter what the result, Brad will be back in net for the next PL match. It seems....fair. And it makes sense. Then Spurs will work it out from there, though I think Brad gets all the FA and Cap 1 games while Lloris plays in Europe.

Oct 9, 2012 at 3:11 PM | Unregistered Commenterthenextboss

Well put and spot on Spooky .
COY MIGHTY SPURS ( I say that ,because this is our year to win a major trophy. I can feel it in me waterworks ;-) )

Oct 9, 2012 at 5:30 PM | Unregistered Commenterkoko61

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Monday, 20 August 2007

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Friday, April 20, 2012

One Hundred

Happy Friday! Did y'all have a good week? Ours seemed to fly by and I'm so thankful for that!

So, today I have something BIG to share with you. Well, big to me. Some of you wildly in shape people may scoff. But for me, this is monumental. I haven't put my mind to something this physically challenging since college. I set a goal this month and told myself once I hit halfway and knew I wasn't going to die from it, that I'd share it with y'all!

Today I hit 55 miles for the month of April. The goal is 100 by May 6th. Yep, ONE HUNDRED MILES! I think I'm going to make it, in fact I know I'm going to! I did get the idea from here, I really do admire this woman.

My senior year of college I fell in love with running. I needed a few extra credits to graduate and decided to take a running class. It rocked my world, mid way through I ran the Charlottesville 10 Miler. I felt like I could conquer the world.

Fast-forward 6 years, 5 moves, 2 deployments, 2 babies, more pregnancy weight than you can imagine and the big 3 0 around the corner and I felt like I had completely lost that girl I was. This year we found ourselves at a new duty station, a new phase in our life and the lightbulb went on. This is MY year, in a non-selfish way ;) All the factors are perfect and I'm going to take full advantage. Yes, I know I just posted a cake recipe :) It's all in moderation, it's all about creating harmony in your life, and not swinging the pendulum to one side.

I used to love to run and it was a little hard getting back into it.  In fact for the past few weeks I've been pretty ticked off ;) even glaring at my running shoes. Ha!  But it wasn't until halfway through this goal that I'm starting to hit my stride and get a glimpse of that girl from the past. I'm starting to cruise and I'm starting to feel that joy again, and if you know me, you know I like big finales....

While it's not a big finale in milage it's a very colorful finale and I think I may like that even more. At least for now.

So on May 6th, after reaching my goal of 100 miles of pounding the pavement, my sweet and obliging husband will be running with me under the name Team Doozie at the Color Me Rad race. You can laugh, I am :) Bill should win an award for most supportive husband, bless his heart....
Color Me Rad
Their races always support a local charity. This year it's to help get at-risk kids swim lessons, something very needed in a beach community. I liked the charity, I loved the color, I knew it was be the perfect way to celebrate the completion of this goal. And what can I say, it will be a riot to see Bill getting blasted with colored corn starch! I love you honey ;)

So there you have it! This is what I've been up to. Moving, breathing, falling in love with running again, thanking God for this body He has given me, and trying to take better care of ME.

  1. how exciting!!! My goal has been to walk more and I love that feeling of accomplishment. Congratulations and go go go you!

  2. Keep on running ko!
    I ran for many years and loved it. This past year I have been told that I can no longer run, but I can still walk so for that I am grateful.
    I like that you are helping at- risk kids learn to swim. In my town there is the same program since we are surrounded by water and have had too many drownings.
    Have a wonderful weekend.

  3. Yay! Oh how I wish we could run together :) I miss having a running partner! :) You can totally reach you're goal! You are a stud! Hugs!

  4. go girl go! or come! come run with me! me and you, thelma and louise, in moab one week after the tie dye race (which sounds absolutely amazing!!!) hooray for you! that's an awesome goal and isn't it funny how we can simultaneously love and hate something SO MUCH!

    hope you log some glorious miles this weekend!

  5. What an amazing goal you have set for yourself! Not sure if you have noticed but I've been making some healthy changes myself. Down 35lbs since January and I think I need to find something like this (not a 100miles, but maybe a fun couple event) to help motivate me to get back in the gym! I can diet all I want but to get healthier I need exercise too. I will have to bounce some ideas off Sean, I'm sure he would be right there with me with whatever I choose.

    Make sure you take pictures after the race! My soon to be sister in law just did a color race, looks like SO much fun!!!

    Thank you Ko for continuing to be an inspiration to be even on the other side of the country!!

  6. Great job, Ko! Your dedication is quite inspiring. :) Hopefully this gorgeous spring weather will give you some extra pep in your step! I am also quite impressed that those awesome boys of yours are "strolling" through 100 miles this month! :)

  7. That is wonderful! I am just starting a serious exercise program to lose weight. It is daunting.

  8. Thanks ladies for all your words of encouragement! I hit 62.6 miles this week and could have done more but the rain was a bit much! It is so nice to finally be hitting a stride. That being said, my sweet husband reminded me that not every run will be a "good" run and that is something we should all remember. There are still days that I feel like I'm dragging my body through quick sand...ugh!


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Just had lunch with Palin on the box.

I’m trying to decode exactly why she makes me so angry (more so than the millions of Americans who are so thrilled to have her on board). I’m still working on the finer points but in today’s opus (she is speaking to a mob in Florida as I type this) the following came across fairly clearly:

  1. We know better. Those media types, those lefties (she used the phrase "left-wing") sure they're smart, but they're not like us. They're different and they can't be trusted. It pretty much doesn't matter how bad I do in interviews because I can come out here and speak directly to millions of Americans just like me and we can commiserate about have to deal with those shifty others who are most definitely not like us. America is a nation founded on transcendent values and built on diversity. Watching this woman draw lines of belonging just makes me want to vomit.
  2. There is no middle way. Palin and her party won't acknowledge that complex problems might require complex, multi-facetted solutions. How can she praise the US government for taking taxpayers paychecks and handing them back to their employees and then complain that Obama isn't explaining how he is going to pay for his various initiatives? So not only is Barack not like us he wants to raise taxes.
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  • Documentary evidence of shared resources (including joint bank accounts) if applicable
  • Documentary evidence, if any, of money transfers from you to your spouse.
  • Documentary evidence of your domicile at date of your marriage.
  • Documentary evidence of your spouse’s domicile at date of your marriage.

If relevant:

  • Your final decree of divorce or nullity
  • Your spouse’s final decree of divorce or nullity
  • Death certificate of your previous spouse(s)
  • Death certificate of your spouse’s previous spouse(s)
  • Original Statement of Parental Authorisation
  • Legal document for Ward/guardianship/Adoption
  • Evidence of Sponsor’s current address
  • Original Death Certificate.

If you are applying for your parent(s) you will also need to provide:

  • Your birth certificate.

*Applications for Family Reunification received by INIS before Friday 30th December 2016 included will be processed under the current legislation. Those received afterwards, will be processed under the new legislation.

Further Assistance
Further information can be found on INIS website here.
For further information or assistance with applying for Family Reunification, please contact Doras Luimní: Contact Us

Please note that the International Protection Act came into effect on 31st December 2016.
An overview of the key changes and the new process is available here: International Protection Act.
Full details on the new system are available here.

Who Can Apply?

  • Fully recognised refugees
  • Persons eligible for Subsidiary Protection
  • EEA nationals

Send your application to

Family Reunion Section
Dept. of Justice & Equality
Irish Naturalisation & Immigration Service
13-14 Burgh Quay
Dublin 2

Disclaimer: This information has been prepared by Doras Luimni for information purposes only, with no guarantee as to accuracy or applicability to a particular set of circumstances. The information may change from time-to-time and may be out of date.

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text:
Sunday, April 15, 2007

We Had Three Hams For Easter This Year

kailani said...

OMG! Those are great pictures. Just look at their expressions! Priceless!

pat said...

I love Shea's dress. Do you have a picture showing the entire dress? Of course, I had to laugh at Finn so out-numbered by the girls.


text:
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text:
Tuberculosis (TB) at Vicente S.A. Middle School

For Immediate Release

February 17, 2017; 11:20am

DPHSS Release No. 2017-035

Tuberculosis (TB) at Vicente S.A. Middle School

The Department of Public Health and Social Services (DPHSS) in collaboration with the Guam Department of Education are working to identify all close contacts to an active case of tuberculosis (TB) at Vicente S.A. Benavente Middle School.  All identified contacts will be notified by letter and provided information regarding the date of the TB screening.

Mycobacterium tuberculosis, the bacteria causing tuberculosis, is carried through the air in infectious droplet nuclei too small for the naked eye (small air-borne particles less than 5 microns in size) which are produced when persons with tuberculosis of the lung or larynx sneeze, cough, speak or sing.  People cannot get infected with TB bacteria through handshakes, sitting on toilet seats, or sharing dishes and utensils with someone who has TB disease.

Persons exhibiting symptoms of the disease such as a bad cough that lasts longer than two weeks, coughing up bloody sputum, weakness or fatigue, chills, weight loss, no appetite, fever and night sweats should contact their physician.

Exposure to TB does not result in TB disease immediately, unlike other communicable diseases such as Measles, Mumps, and Pertussis. It takes anywhere from 2 – 12 weeks in order to see evidence of TB infection as shown by a positive TB skin test reaction. Most people who get exposed to TB might be able to keep the infection inactive or latent. However, children below the age of 5 years, people with Diabetes, or other immunosuppressive conditions may not be able to keep the infection under control and are at higher risk of developing active TB disease within a few months or 1-2 years after the exposure.

The TB (PPD) skin test will be provided for free on March 07, 2017, from 8:30 a.m. – 12:00 p.m., to all identified contacts at Vicente S.A. Benavente Middle School.

All employee and student contacts who do not submit their TB skin test result by March 10, 2017, will be excluded from work or school. This exclusion is necessary to ensure that all affected employees and students receive the required test and do not have active TB. The required TB skin test can also be obtained through a private clinic of their choice; however, the results of the test must be submitted to the school by March 10, 2017, in order to avoid exclusion.

For more information, please contact Gloria Mendiola, Tuberculosis Program Manager or Alice Cuenca, CDC Coordinator II, with the Bureau of Communicable Disease Control at 735-3602/7131/7145/7120.


text:
My review and experience with it
Published on May 1, 2005 By Draginol In Home Improvement

If you decide you want to finish your basement there are lots of options to consider.  Do you do it yourself? Do you contract it out? Maybe do a little in between? For me and my wife, we just aren't handy enough to try to finish a basement on our own.  So we decided we'd contract the whole thing out.

Once you decide you're going to contract it out, then it's a matter of deciding what direction to take with it. Do you go with drywall? The problem with drywall is that it takes months to put in (how long do you want contractors going in and out of your house?).  It makes a lot of mess (expects months if not years of drywall dust to be floating around your house), it's susceptible to damage from a wide range of sources (water, normal wear and tear due to it being in a basement).  So we wanted our basement finished but drywall had a lot of negatives to it.

That's when we heard about the Owens Corning Basement System.  After intense negotiations, we had it done.  And below you can read about our experiences during the sales process, installation, and after effects.  I hope you find it useful.

The Owens Corning Basement System has been in place now for our basement for about a month now so I've had time to get used to it.

The project went pretty smoothly except for a few hiccups that I'll talk about here. So what's the verdict? Here are the things I really liked about it:

  1. It's fast. In 2 weeks it's all done.
  2. It's clean. No dry wall dust all over.
  3. It's durable. It's virtually impossible to damage. Basements, unlike the rest of the house, are more prone to dings since that's where most people store things too.
  4. It's virtually sound proof. This was an unexpected benefit. But the kids can go and play down there without having to hear music, TV, yelling throughout the house.
  5. It looks pretty nice still (but not as nice as dry wall in my opinion).
  6. It is nice to know that in 20 years it'll look the same as today. Dry wall in basements tend to not look so good. At best you'll have to repaint larger areas. With this, you don't have to.

The big thing for us though was the speed of it. My first basement was done with dry wall and I have no regrets about that. It was nicely done. But it took months to do and over a year for the house to stop having more dust in it than before. The dry wall dust simply gets everywhere.

If you're as unhandy as me, then you likely want contractors to do pretty much all the building. It can be uncomfortable having strangers in your house for months. In contrast, the Owens Corning Basement System was installed in our roughly 1100 to 1200 square foot area in about 2 weeks (closer to 10 days).

In short, I was willing to pay a premium to not have to deal with a summer of construction. The fact that it looks nice and can't be damaged easily was a real bonus. My 3 year old already put that to the test by taking a permanent marker to one of the walls. In a few minutes we were able to wipe it off with some bleach and you can't even tell where it was. Contrast that to having to repaint that area with a dry wall basement. Not to mention all the nicks and gouges that would be there due to moving stuff down there.

That said, here are things that I ran into that I didn't like that you should be aware of:

I really didn't like the sales strategy of their sales people. High pressure combined with little specifics created a lot of headaches during the project.

First off, people who can afford to pay a premium for their basement being done aren't fools. Even so, they used the same tactic on us as they would on some gullible yokel. No offense, but the reason we can afford this stuff is because we have some financial savvy. So don't march into our houses with magazines showing that the "Average" basement costs over $50 per square foot to finish. Because that's nonsense and does more to harm your sale than anything else. Sure, if you're going to have bathrooms and kitchens and tiled areas and wet bars and such it will cost more, but the Owens Corning System doesn't take care of any of that. They just do the "walls", drop down ceiling, electrical, and a few other things. They're not going to build you a bar or tile your floor for you (unless you make a special deal with them). Just for reference, a typical basement done with dry wall with nothing too fancy done shouldn't cost much more than $20 per square foot. Our last dry wall basement cost around $17 per square foot.

The price you should try to get with the Owens Corning Basement System is somewhere between $25 and $35 per square foot. They may balk at $25 but $35 they should certainly take. I paid about $28 per square foot. $30 per square foot would be good. Anything much higher and you're paying too much. Which is why they do the high pressure tactic to get you to sign right there.  To the sales guy's horror, I made him sit there while I had my laptop doing net searches on how much other people have paid. By the way, be aware that most states do have a law that allow you to back out of contracts within 72 hours. So if they did manage to get you to commit for $55 per square foot or something you aren't up the creek.

The second thing I didn't care for was the amount of vagueness to the agreement. Because of the high pressure sales tactics, the sales guy didn't write down a lot of our specific needs on his "agreement" (which was literally just a 1 page form he hand wrote notes on which I was pretty unhappy about). For instance, we said we wanted padded carpet so he suggested Home Depot. Which we did. But they didn't cut the doors so that they would fit on padded carpet so when we put in the carpeting, we had to take off the doors. It took us 3 weeks to get them to make good on this. They argued it wasn't their responsibility to fix the doors. Nonsense. We told them up front that we were going to get padded carpet. For us to fix would have meant bringing in another contractor. They agreed to fix it only after I made it clear that I would ensure that my experiences with the Owens Corning Basement System would show up high on google. It took the guy 30 minutes to fix it once he dropped by. So they made good but it did mar an otherwise fairly seamless experience.

So make sure that you are clear (and document) exactly what they do and what they expect you to do. The Owens Corning contractors don't tend to do as much as regular full service basement contractors. They weren't planning on putting in our phone and cable lines for example but luckily that was written into that agreement.

Thirdly, the only negative I've run into since putting it in is that it is, contrary to what they said, not that easy to hang things up on the walls. Since they're not drywall, you can't just put in a nail and put stuff up. You have to use special clipper thingies. These work nice on light things. But they didn't give us any samples or directions or order forms to get things for putting up heavier items (like a big white board for example). This has been a source of some ire since it's turning out not easy to find these "mending plates" in low quantities. Office Max and Staples don't seem to have them. None of the hardware stores we've looked at have them. I've looked on the net and I can buy them in quantity (like 1000 at a time) but I only need like 5. My suggestion is to insist that they provide you with 100 of the t-pins (small stuff) and 100 mending plates (big stuff) as part of the agreement.

Fourthly, this gets back to the "customers are suckers" sales pitch. The sales guy and his materials really went hard on the mold scare tactic. Mold is definitely something not to blow off. But it should not be your motivating factor to spend a third again as much on a basement. Would you pay $15000 more on your house for a "lightning strike resistant" design? The kinds of houses most people who would put this stuff in are usually newer and on the premium side. The basements, in short, don't get wet very easily. That isn't to say they shouldn't mention mold, but it should be more of a "bonus" feature rather than as the principle selling point.

Now that it's all done, I'm pretty happy with it. I like knowing that I won't have to mess around with painting or touching up the basement in a few years. I do wish it was easier to modify with other things. For instance, I can't just build out a bar from it. But that is no biggie really. The basement does what it was supposed to do. And even better, since I want to have a theatre down there eventually, it's got incredible acoustics. If you have the money and are more interested in having your basement be finished quickly and cleanly rather than having some incredible basement palace created, this is something you should seriously consider.

Completion date: September 2003.

Update: September 2005: I have created a second article for people who want to share their experiences (good and bad) with the Owens Corning Basement System. GO HERE to discuss.

update: 10/2003 - still pretty happy with the basement. thanks for all your emails. if you have any questions, ask them in the comments area or you can email me at

update: 5/1/2005 - still happy with how it's turned out. I get a  lot of email on this stuff from people, I don't usually get to answer it. But I will say that we are happy with it still. It absorbs sound. But I maintain that the main reason to get it is that you want to save time. If you don't mind having people working on your basement for 6 to 10 weeks and the drywall dust and other dirt that is inevitable with dry-wall then get the dry-wall.  But for me, having it all over in a week or so was the key and no mess afterwards.

Comments (Page 48)
on Jun 03, 2006
less than $10 a sqft wow. Considering the average drywall job your size takes about a month with a two man team. What I'm trying to say is you are being lowballed. depending where you live the labor end alone will take up most of that $8000 not to mention material, overhead and a little thing called profit
on Jun 10, 2006
Hi Jeff. How did the job turn out? If I may ask, where in NJ do you live? We are in Northern NJ and received a crazy quote for a section of our basement (375sf)
on Jun 16, 2006

I have just completed a training class in the cleveland area .. one of the trainers Dave P said that most of the comments on this sight are from him and the owner ,, please be aware that most of this is made up stuff .. i am a christian and i told them how unethical this was.. a Week later i was told that they are no longer doing the system and was told to sell 'spray on siding '' After all this insight i would call owens corning they have been doin this for 10 years and have a much better warrenty

on Jun 16, 2006
Amen to drywall problems. My husband and I had Owens Corning out and my husband told the salesman he was full of it. We had a contractor out and asked him about mold and he said not to worry! 4 months later our sump pump went out and we had a little water. 3 months later we had a smell of musty. 1year after we had our basement done, we are now having it taken out. total cost 45000.00 that includes the mold abatement! Insurance does not pay for it, we had to take and borrow and dip into our childerns college fund. I am sorry we didn't listen. Problem is when we are done we will have paid more than it would of cost if we would have done Owens corning. Now we cannot afford anything.
on Jun 29, 2006
Like everyone else here, I came across this site while searching for some honest info on the OC system so heavily advertised on TV. While I haven't gone through the sales pitch for the OC product, I *do* have 2 kids with Asthma, one of whom is allergic to indoor molds, I've owned a house with a finished and unfinished basement, and I've had the misfortune to suffer a house flood which required months of repair (literally our entire 1st floor) and mold remediation. So I think I'm in a good position to make a quick comment about this OC system;

There is *no* mold proof system for finishing a house. Almost anything in the house can (and will in the right circumstances) and will get mold. Inside wood trim, furniture, carpets. I'll be happy to admit that the more pourous and moisture-retaining the material, the easier it will be for mold to take root in it. Bottom line, if mold is a concern, you have to carefully manage the overall moisture levels in your house and keep areas like bathrooms disinfected to help avoid it taking root. I'd venture to say that if there is any way moisture can wick into an OC panel, then not only could it be a place where mold could grow, but it might be very hard to get rid of. So I'd beware of the logic of paying incredible amounts because you think the panels will eliminate potential mold issues. And keep in mind that an OC basement does nothing to prevent mold issues in the rest of the house.

Re: water issues; if you have a basement that is prone to moisture problems, putting up *anything* that seals off the moisture is just asking for major trouble. The moisture will never go away and WILL end up causing problems, it's just a matter of time. People have mentioned the OC panels getting wet from a flood and them drying them out, but I wonder if a mostly sealed insulation panel would ever get properly dry if moisture wicked into it from a flood.

The second thing I want to mention for families with astmatics is that drywall is considered a very safe material to use in construction, and it does not give off chemical emissions that I know of, though some paints do - while in general insulation is something you always want to keep away from; there is a reason that installers wear respirators while working with it. The OC system is too new for anyone to know if the panels give off any particulate matter, when new or after they age a while, so again it's hard for me to believe claims they make - especially if backed up by hard sell sales practices that prey on customer fear.

OK, enough commentary about the OC materials. Last thing I want to say is that to remember we are talking about a system that is mainly comprised of insulation panels, and I can only assume that most posters who characterizes this system as "the cadillac" or "the high end" or "the best thing since sliced bread" of basement options is connected directly or indirectly with OC, and I sincerely hope that at some point they get caught posting falsely as if they were customers.
on Jun 30, 2006
I have read all the posts in here with great interest. Many differing opinions in here. We had the OC system installed in May 2006 after researching all alternatives. For us, this was the only way to go. Too much dirt, dust and time the conventional way. The OC system cost us $28 per sq foot and was completed in 7 days. With respect to "odors", we did experience the same odor many have talked about but ours is now gone. Hate to keep harping on this mold thing that appears so prevelant in this forum, but the final selling point for me was when my nephew came down with a "strange" lung problem. He basically spends all his time in the basement of my sister's house she purchased a couple of years ago with a finished basement. The problem was traced to mold and when they ripped out one drywall panel, we could not believe our eyes. Mold everywhere and the basement had to be gutted. I'm not to sell anybody on this system, everyone has to make their own call but I am glad we went this route.
on Jul 06, 2006
We have just purchased the OC system for our basement in MA. I have read a lot about the $/sq. ft on the site. Since we have a basement with a 90 degree central stairwell we chose to have interior walls developed for the width of the basement (with a few angles near the stairwell). If I were to push all the walls out to the foundation it would give me approx. 33% more sq. ft. (for the same wall footage) - but I would have no storage for outdoor furniture, supplies, etc. I do find the nature of the basement a big factor in the equation.

My wife and I went through the sales pitch ... I didn't find it a big deal although we didn't like the "sign-today" tactic ... but have been through that kind of thing before and never bit. We negotiated down the price about 30% - plus they are installing a 6 ft. picture window, along with the usual electrical, ceiling, walls, etc. The reason I bought the system was because it had a similar ( slightly higher ) cost than a drywall basement we have been pursuing for over 2 years. I'll let you know how it goes if you're interested.

on Jul 11, 2006
I wish I had found this site this time yesterday and cancelled our meeting with the salesman we had lastnight and into this morning. First of all our appointment was for 7:30 and he showed up at 7:00 PM while we were still eating dinner but other than that he seemed very nice and laid back but then he broke out the flip chart of the evil mold and the constant reminder that OC is a $500 Billion company.

After about 90 minutes of him going over each slide and saying the same thing over and over we finally got to see some of the product samples. He answered our questions to our satisfaction and about 75 more minutes later we went down to the basement to discuss our options. Our basement is an "L" shape and isn't huge so our ideas of how to finish it were way off from his. To his credit he gave us some good ideas for how to lay it out and maximize our space while maintaining about 40% of it for storage.

After that we came up stairs while he stayed down there for easily 30 minutes. We then sat back down at the table and discussed some other issues and ideas he had come up with. Well it was 11 PM before he started writing up our estimate even though we told him we would not sign anything right then. It was about 11:45 when he called us back to the table to go over his layout that he had drawn up. Everything looked good there but then there was the price of $30600 for 510 square feet that came out to about $60 a square foot. He told us that it would cost us about 10K more if we wanted a finished half bath installed too. Our jaws dropped and told him that we were at least a year out from finishing our basement at a price like that...thinking he'd leave. We called him out on the bathroom, saying that is impossible when people have had thier entire basements finished for that amount and that our half bath is already roughed in by the builder. He held firm at the estimate for the bathroom and we looked at each other and just shook our heads.

Instead of leaving he did the opposite, he called his boss which surprised me anyone is answering a phone 12:10 AM but someone did (probably his coworker sitting at his house drinking beer). What came of that was the pitch of saving us $4600 if we signed right then but again we declined. He kept asking can we afford $200 a month for 20 years, we said we can afford it but we have other items that need to be paid off first then we will worry about paying for a basement. We live in a nice house in a nice neighboorhood so I'm sure that he figured we do well and would just jump at the opportunity to pay through the nose without even getting to discuss it without him around. They then offered to front us for 12 months and that prompted him to call into the "office" again at 12:30 AM.

He started to say something else and I finally had to tell him that we were not going to listen to anything else and he had to leave. Well it was 12:50 before I finally locked our front door behind him...FIVE HOURS AND FIFTY MINUTES LATER!!

I guess part of the issue is we allowed him to be there that long but we're polite people that like the system but not the hard sell that came with it. We over heard him saying to the manager several times that "yes he understood the great deal that he was offering us and obviously we didn't and it was a shame that such a nice couple would end up paying $5000 more becuase we wouldn't sign right then".

My wife said to me at 1:15 as we finally climbed into bed that it was worse than a car salesman becuase you can at least walk out of the dealership on your own free will, this guy wouldn't leave. As he was writing up the estimate I leaned over to my wife and asked if we could charge the guy rent for being at our house for so long.

Two things stick out to me this morning:
1. I'm dead tired after getting up and coming to work after a wasted evening last night
2. I love the system but not for the price. The ONLY good thing that came out of the meeting last night was that we now have a better picture of how to finish the basement when we end up doing it with the traditional building materials.

The product is cool, but not practical.
on Jul 12, 2006
What an interesting site!

When I bought my windows I found a site like this with a discussion board about windows and the various companies that sell them. I found it to be very helpful.

Just like this site it had the satisfied people that had made quality purchases that related thier experiences. On the flip side it had a lot of disgruntled people and like this site, most of the disgruntled people hadn't purchased any windows.

It just lends credence to the old saying that bad news travels 10 times faster than good. For every disatisfied person that complains... There are probably somewhere in the neighborhood of 10 totally satisfied people that never say a peep. After all good news does travel very slow.

During my life as an internet programmer and owner of a website named after a world famous city, I've discovered a few things about blogs and other various sites that have an anonymous posting system, and that is this. Rarely are you reading the truth.

Seriously it would be my estimate that a good 90% of whats posted here is either posted by an OC Rep, or one of thier competitors in the BFS world. On my community discussion board I can look and see the individual IP adresses of those posting, and it's hilarious how they'll change thier user name and then come back with another story in support of thier position. As though validation from another supporting party settles the matter. HA! Typically I'll send these characters one warning to not do it again, if they pull it a second time, then I ban their IP address from accessing the site again.

But still, I'll use the info on this site to help me in deciding how to do my basement, but I'll disregard all of the posts from those that didn't like the system and are now bad mouthing it, because I smell sour grapes. Yeah I've had to do a lot of sales in life to get to the level of success that I've acheived, so I don't mind them coming in and giving me the pitch, been there done that. And because I've had to sell to make my business's grow; I'll buy the night the guy comes out, I'm not uneducated and do know a good deal when I see it.

Do I need to pray on it? Nah I reckon not, I'm a christian and my father is a minister, so I learned early in life not to pray in vain. Instead, I'll save my prayers for world peace and things like that. If the price is right, I'll own it. If not I'll research other venues, and choose amongst them.

One thing I sure won't be doing is coming here badmouthing anyone... I'd love to be the site administrator here so I could see how many of the posters are posting under multiple names. One good indicator as to who a rep is, and who a competitor is how many times they've posted. If an entity has posted over 3 times you can just about bet that they're either selling it or competeing against it. Beware the ulterior motives, there really are very few people motivated by altruism these day.

Good luck to all of you

on Jul 13, 2006
Oh I wish my post was a lie, it's been a long week trying to still get caught up on sleep since Monday. I have no issues with the product, it seems great. It's a little pricey but if I had more money than I knew what to do with, I might have gotten it done if it had been sold in a professional manner. If anyone would like to contact me directly about my experience please email me at

I've also filed a complaint with the BBB in Cincinnati, so you can check with them:

"Your complaint has been received and routed to the following BBB:
Cincinnati Better Business Bureau (Cincinnati, OH)
7 West 7th Street, Ste. 1600
Cincinnati, OH 45202
Phone: (513)421-3015
Fax: (513)621-0907

I also called the main office on Tuesday July 11th to complain, my name is Matt and our appointment was on 7/10/06 at 7:30 PM (he showed up at 7 PM). So a call to them would confirm my appointment and they should confirm that I called to complain about the salesman being at my house until nearly 1 AM:

CERTIFIED HOME IMPROVEMENTS (The name of the reseller I had my bad expierence with)
11240 Cornell Park Drive
Suite 102
Cincinnati, OH 45242

on Jul 22, 2006
Hello to everyone, In 2005 Owens Corning Basement Systems sold over 10,000 systems, they say that will double by 2008. All the competitors on here seem to be jealous and angry? Bottom line is you can't compete, your drywall and "mickey mouse" basements systems have no chance.
on Jul 22, 2006
I just had a TotalBasementSolutions shady salesman to my home, took 3 hours for presentation. And the price per sq. foot was $53.00. Seriously, and his fly by night warranty, poor guy.
on Jul 23, 2006
It is easy to hang things on the walls, you just have to let them know what you want to hang so that they can install metal studs to hang them on. They do not use HIGH PRESSURE sales tactics, they simply give you an option to save a lot of money. No one is going to force you to spend your money, but if you decide to do it with them while they are out there, they will let you keep a lot of it. This is a GREAT system and completely blows away traditional building materials. You may pay twice as much for it, but it has a lifetime warranty and can get wet so floods will not destroy the system. Don't let this guy try to talk you out of getting the savings by making a decision on the first night just because he can't handle a normal business situation.
on Aug 01, 2006
Good for you.
on Aug 09, 2006
If anyone is in the market for the OC Basement System, be carefull of how they price it out to you. The experience I had was as follows: the salesperson told me that he would be adding 1500 square feet of living space in my basement. I was all excited as the price was reasonalbe at a per sqaure footage. As construction started I found out that my living space was only around 1000 square feet. That's over 30 percent less. As I calculated the square footage price it also ended up over 30 percent more. I felt I was being scammed. I called the salesperson and he reiterated that the square footage of living space was 1500. Clearly there was a discrepancy but the salesperson told me that they don't sell it per sq. footage. BUT...when I decided to sign the contract I asked him how much space and the price. The average joe prices out a job Per Sq. Footage. The product is also not exactly what it cracks up to be, as I settled out of court and had it installed anyways. Just be aware of what you are buying. Drywall is not that bad of an option. The Mold issues that they push are issues that you should investigate on your own in regards to your own basement. If you basement never has any major leaks, you may never have mold. BUYER BEWARE.