text:
You think you're on top of things ... and then the phone rings. A debt collection agency claims that you owe them money. What do you do? Or perhaps the bigger question should be: "what do you not do?"
Too many people make mistakes with that first phone call—mistakes that can cost them dearly. Read on to know how to avoid these common debt collection faux pas.
1. Ignoring Those Calls
What we mean: Thinking that you can just ignore the calls when the number shows up on caller ID won't make the debt—or the collector—go away.
It can be intimidating when you answer the phone and a voice at the other end starts talking about collecting a debt. But if you continue to ignore the calls, they will start to send collection letters—and possibly notice of legal action. Don't let it get to that stage.
What to do: Answer the phone, remain calm and know your rights (more on that below.) Before they call again, get your paperwork in order (more on that later, too), so you won't be caught off guard when you answer the phone. If they're already sending letters, don't toss them—read them and seek advice.
2. Not Verifying the Debt in Writing
What we mean: Always ask for written verification of the debt to be mailed to you. In trying to track down a debtor, companies may resort to something as simple as checking the phone directory. Do you want to be held responsible for someone else's debt simply because that person has the same name as you?
What to do: Explain to the caller that you do not make any decisions on the phone, and that you need written proof of the debt. (By law, they must provide it.) Request that they mail you all of details of the debt, including the name and address of the borrower, the amount borrowed, the date the debt was incurred and, if possible, a copy of the original debt application or approval letter.
3. Not Knowing the Legal Status of Your Debt
What we mean: Some debts are subject to a statute of limitations. While the actual amount of time varies from state to state, this means that if the creditor has not made contact with you in a specific time period (typically five to seven years), that debt can legally be struck from the books.
What to do: Check the debt statute of limitations for your state. The statute applies when the company owed the money has failed to make reasonable efforts to obtain the money owed, not when you have ignored attempts to collect. When does the clock start ticking? Usually from the date of last activity on the account, but this may vary by state.
If the statute of limitations has expired on your debt, write to the debt collector, advising them that it has expired, and not to contact you anymore. Sending the letter by certified mail ensures that they have received it. If the statute has not passed, talk to a legal or financial professional experienced in debt collection to learn about your repayment options.
4. Providing Credit Card Information or Agreeing to a Payment Plan Before Seeking Advice
What we mean: Do not give your credit card or bank info to the person on the phone without first requesting—and reviewing—written evidence of the debt. A huge business in today's debt collection market is zombie debt, or debts that have expired but have been purchased by one or more debt collection agencies. As soon as you acknowledge the debt, and offer to make payments, the debt is reactivated, making you fully liable.
What to do: After receiving written verification of the debt, seek independent financial advice. The collection agency will want to receive their money in the time that's most beneficial to them, but a financial advisor may be able to help you find alternative repayment options. Once you've agreed to a plan, it can be difficult, but not impossible, to make changes. But even with an agreement made via phone, you are entitled to receive written details about the agreed-to plan. And be sure to seek financial advice as soon as the paperwork arrives.
5. Not Knowing Your Legal Rights
What we mean: Even if you owe money, you still have legal rights to protect yourself from debt collectors who may not be following the rules. The Fair Debt Collection Practices Act is made available by the FTC and offers a clear explanation of your rights as a consumer. For instance, did you know that a collection agency must identify themselves clearly, must provide any written evidence you request and can only call between certain hours?
What to do: Download your free copy of the Fair Debt Collection Practices Act (FDCPA) (pdf). It may look dense and be full of legal jargon, but it's actually very straightforward when it comes to explaining what a collection agency can and can't do when they contact you. And be sure to let anyone who calls regarding a debt know that you're aware of its contents.
6. Seeking Advice From the Wrong Source
What we mean: Look for guidance from the National Foundation for Credit Counseling, or a certified financial planner or a legal advisor with specific experience in debt collection. Some people make the mistake of calling their state's treasury or revenue office in the belief that they can help, but they cannot provide individual legal advice.
Warning: Not all advisors are created equal. You wouldn't see a heart doctor for a stubbed toe, so it only makes sense to seek out professionals with experience in the field of debt collection. They will be more up to date on current legal and financial developments, and can help save you a lot of headaches in the long run.
What to do: Find a qualified financial planner. If seeking legal advice, ensure that the attorney is qualified to practice in your state, and that the person's area of expertise is relevant to your situation. (Be wary of any free online sites that purport to give financial advice, but that are, in fact, linked to collection agencies.) And remember that you may not receive the advice you'd like to hear—even the most specialized professional cannot make your debt magically disappear.
7. Not Knowing Who Is Collecting Your Debt
What we mean: Do you know which company you're paying the money to? Is it the same company that you originally borrowed from? Or is it a collections agency? If so, the debt may have legally expired.
Given the various economic upheavals of the past decades, banks have failed, debts have been passed from one company to another and the company calling to collect may not be the same company from whom you originally borrowed money.
Furthermore, as debts pass the statute of limitations, debt collection agencies buy them from the original creditor for pennies on the dollar in the hopes of recouping huge profits. Even though the statute of limitations may have passed, if an agency can get you to admit to owing the debt, liability is revived and they can legally collect the debt. It's not unusual to have multiple companies all attempting to collect the same zombie debt, and if you're not careful, you could end up having to repay them all.
What to do: Go back to that written proof. Follow the trail to see who is now contacting you about the debt, and how they came to be in possession of it. This can help you to determine whether the debt has been legitimately passed to a collections agency or whether it has expired and is now being pursued as a zombie debt.
8. Not Reporting Harassment
What we mean: Harassing behavior may include calling outside permitted hours, refusing to provide written proof of debt and threatening arrest or imprisonment. The number of complaints against collection agencies has skyrocketed in recent years, and the judicial system is taking the matter of harassment very seriously. Last year, an Atlanta-based company was forced to forgo collection on more than 31,000 delinquent accounts (exceeding $15,000,000) as punishment for violating collections laws.
What to do: Know your rights. If a caller appears to be in violation of the Fair Debt Collection Practices Act, remind them of that fact—and tell them that you will call your state attorney to report the harassment. And remember that it's never too late to report harassment. While there may be no legal recourse for you, your complaint may be part of a thick file that eventually helps to shut down those who continue to threaten others.


text:
Thanks to the lovely women of Victoria's Secret for bringing all these fabulous celebrities to Miami! Anybody who is anybody is here. Tonight the girls of VS will be filming their latest fashion show at Miami icon hotel the Fountainbleu.
The Fountainbleu has recently undergone a major face lift and celebrated their grand opening last night.
Click here to see all the fabulous stars that attended!

subset: commoncrawl


text:
|He's something more than just a man... he's more of a force than just a human. A pure exertion of will against the entire world. It's beautiful... and also terrifying.
|~ Unknown
|Rai Narukami
|Personal Info
|Rai Narukami
|Narukami Rai
|February 14th, 2027
|123 lbs.
|Dark blue
|Place of Residence
|Tokyo, Japan
|High school student
|Tsuki Narukami - Sister (Deceased)
Tenshi Narukami - Father
Mother (Status unknown)
|Player Profile
|Black Lightning
Chain-Bound Reaper
|VRMMORPGs Played
|Endless Utopia Online
|Member of the Imperial Guard
|Unique Weapon
|Voice Actor
|Noriaki Sugiyama
Rai Narukami is a highschool student and a player of Enless Utopia Online. He is the main character of Endless Utopia Online: By Moonlight.
In EUO, Rai's outfit consists of a long black two-tailed overcoat with a high collar, as well as a gray undershirt, black pants, and black combat boots, along with black fingerless gloves.
His second outfit which he wears after [DATA EXPUNGED] sees him donning a new black two tailed cardigan coat with a gold trim, with sleek black pants and black boots, looking somewhat similar to his previous outfit, though less extravagant, to make himself look more discreet and unassuming. Over it, he usually wears a long, black full body cloak with a hood to help conceal his identity during his travels.
Real Life
In real life, Rai commonly wears the standard uniform of Tsukiyo Academy, being a black uniform with a blazer, slacks, dress shoes, and a white button-up undershirt and a loose dark blue ribbon tie around his neck.
On days off, he's usually seen wearing blue jeans, black shoes, a t-shirt, and a white and black jacket.
Rai Narukami was always an intellectual. His almost genius intelligence and studious behavior was noticed by his peers and teachers alike. As a result, he was generally liked by his teachers, but was bullied relentlessly by his schoolmates, resulting in a more closed off and distanced personality. His only solace was in his little sister, Tsuki, who he found purpose in protecting, and even with a bit of distance in his personality, he was always cheerful and optimistic with his sister. However, Tsuki never returned home one day, and Rai soon discovered afterwards that she had been raped and murdered while on her way home. The death of his sister resulted in the collapse of his family, with his mother leaving them and his father breaking down. Rai himself took the death of his sister extremely hard, and distanced himself even further from his peers, going so far as to never speak again. His loss of purpose in life drove him to contemplate suicide, making an attempt only once, but refusing to go through with it, after which he spoke again for the first time in four years after the death of his sister. His quiet and distanced personality would be carried on for years after the incident. Due to his years of isolating himself from others, he does not understand how to interact socially with others, and thus rarely speaks at all.
Rai is now a high school student attending Tsukiyo Academy, a prestigious school just off the coast of the Koto Ward in Tokyo. He earned his place there from his previous high school due to his remarkable grades, transfering there in his third year.
Rai has been contracted by the police through a special detective and associate of his to hunt down certain crime syndicates using EUO as a means of communication. To this end, the police had a Game Master give him a special program capable of tracing the IP addresses of players in order to covertly track down where these syndicates are operating from. Rai agreed to this as his associate also informed him that the man that killed his sister is among one of these syndicates, being a higher ranking member of the Yakuza, making him inaccessible to police by normal means, and though the man does not play EUO, he could be tracked down from his subordinates who do. His motives coincide with those of the police, and as such, he now acts as an agent of sorts within the game for them so he can hunt down Tsuki's killer, intent on killing him.
Rai can best be described as cold and a loner, tending to stick to himself and himself alone, and is ambivalent to the point of apathy. He has next to no social life, but is not bothered by his lack of friends, going so far even as to say that friends would only get in his way. He views otherwise virtuous traits, such as compassion, empathy, and love as completely useless to him, and that such petty things have no place in today's society. This is in fact the main reason why he was chosen as one of Dark Emperor's personal guards in EUO. According to the Dark Emperor himself, his emotionless and uncaring personality makes him "the perfect killer", though the other edge of the sword is absolutely no real sense of loyalty. To him, death is a trivial matter at most.
Rai is naturally calm and collected in all situations, and nothing causes him any distress in the slightest. The most emotion he usually exhibits is annoyance towards others. He is, however, quite formal in his body language, with a straight posture and confident stride. He is usually seen with one or both hands in his pockets, depending on his mood.
Rai Narukami can also be seen as contemplative and thoughtful, often reflecting on his life and remembering happier times of when his sister was alive and when he was happy with his family together. He will often spend nights during the full moon outside, wandering aimlessly around the more rural areas of the island, far away from the city lights, for hours on end. This is due to his sister's love for the moon and playing outside in the moonlight, a trait which also imprinted on him. He finds these walks calming and serene, and the only times he can really find solace in his life anymore.
Endless Utopia Online
- Race: Hybrid (Human/Fiend)
- Occupation: Member of the Imperial Guard
- Main Equipment:
In Endless Utopia Online, Rai is a rare Hybrid, and is a crossbreed of a Human and a Fiend. He is the only known practitioner of Black Lightning, combining his natural Darkness affinity with powerful Lightning, creating a deadly and destructive combination of the two. Since the combining of almost opposite elements is something hard to acomplish, he has devoted almost all of his training to his Black Lightning, thereby knowing no other element capabilities other than having some experience in Light and Fire (used to make Lightning before he perfected his technique). He also possesses an unusually high amount of Aera even for a Hybrid, most likely due to intense training in order to use his Black Lightning.
He is also able to call upon natural lightning from the sky, giving him a powerful advantage during thunderstorms. He is able to redirect the electricity in the air to either strike a target from above or redirect it through himself and shoot it forward. Calling down lightning from a storm is, however, a difficult technique to pull off and can very quickly drain away Rai's energy, but offers incredibly destructive offense. When redirecting the lightning through himself, it causes great strain on his body and is potentially damaging, but provides a more precise attack as a trade off. He is also able to compress his Black Lightning into a ball formed in his hand, allowing for an extremely powerful close range attack that causes devastating damage.
Narukami is deadly with his twin scythes, Tsukuyomi. He utilizes the weapons with style and lethal precision, able to accurately throw the weapons out on their chains to strike distant targets, and can even spin the blades at extremely high speed to provide even more lethality, which can be further enhanced by adding his Black Lightning to them, turning the blades into lethal long range electric buzz saws. The nature of his weapons makes his combat style incredibly unpredictable, as he is able to change the direction of his blades with a simple flick of his wrist or tug on the chain, easily being able to throw his blade out and curve it into a perfect arc that slices through the enemy from behind. He can also use his blades as grappling hooks, being able to dig into most surfaces and allowing him to swing, pull himself up, or scale vertical climbs, additionally being able to pull in distant targets to himself to shred an enemy apart at close range.
Narukami also uses his intellect to his advantage in combat, calculating his and his opponent's actions in his head even during heated engagements, remaining calm and collected throughout. He has been shown to be willing to throw both caution and morality to the wind in order to break and defeat an opponent, willing to threaten innocents if he knew that it would damage his enemy, and even willing to employ suicide tactics that hurt him just as much as his opponent. These qualities especially is what the Dark Emperor prizes Narukami for, even aside from his actual combat abilities.
- Rai Narukami is partially based on the protagonist of Persona 3, and takes his surname from Yu Narukami, the protagonist of Persona 4.


text:
Phoebe Cates
80s Highlights: Fast Times at Ridgemont High, Gremlins, Bright Lights, Big City
Elisabeth Shue
80s Highlights: The Karate Kid, Adventures in Babysitting, Cocktail, Back to the Future, Part II
Elizabeth Shue... you're my only hope.
|"You're the best ... around"
|"It's in the hole!"
|"Darn tootin"
|"You seem a decent..."
|"I want you to punch me..."
|"I'm mad as hell..."
Top Twenty Tags (post labels)


text:
Table of contents
Once an oil furnace has been in usage for some time, it can create issues that will certainly have no bearing on the version of the furnace or its producer. When the issue is much more challenging, it is constantly best to find the best professional that could make the essential repairs. In this write-up, we will review the top oil furnace troubles that you might run into.
If you're in need of an oil boiler repair service, if your furnace is making a funny sound, or if you locate you require of any other heating system fixings, do not delay-- give us a call today. Delaying fixing could create pricey damage to your equipment. Let our expert specialists deal with the issue right now to guarantee your house stays warm.
Annual/Preventative Upkeep, Nothing takes place when it's switched on, No heat in one place, No warmth in all areas, Pilot burner is out, Scents funny, Makes strange noises, Doesn't obtain cozy enough, Cycles on/off too swiftly, Runs continuously, Gas scent, Leaking
In a city with whole lots of older style, like Needham, heating systems making use of hot water or vapor radiators are extremely common, and also well suited to the area. Warm water as well as heavy steam warmth is quite preferable due to the fact that it is energy efficient (especially thinking about exactly how old the modern technology as well as fixtures typically are).
In the residential areas, where much of the houses are much newer, forced-air furnace are a lot more common. Commonly chosen for their lower installation cost, these systems supply a really dry heat that some people do not like.
Our expert heating fixing technicians could take care of any kind of warm or furnace emergency you might have. Our home heating repair competence consists of all makes, versions as well as kinds of heating systems and also heating systems; oil, gas, lp, electrical-- you name it.
Step by step checklist to to diagnose & fix an oil burner that will not run or maintains quiting. Oil burners utilized on oil-fired heating boilers, heating systems, or hot water heater could frequently be detected utilizing a visual evaluation approach along with an optional straightforward examination devices defined below.
We are a full service heating & cooling firm that services Needham, MA. Our very skilled Service Technicians as well as Installment Groups are all background examined, medication checked, and also preserve all correct Massachusetts qualifications for the safety of your house.
All of these heating systems are referred to as hydronic, water-based, warmth. Warm water flowing in under-floor tubing, hydronic glowing floor home heating, transforms the entire floor surface area right into a large radiator.
Also servicing these zip codes in Needham: 02492, 02494


text:
Did you know that I am into photography? Most of you do, but some of you probably dont know that I am thinking about doing it as my own business. In order to do this, I need your help! I need to have a portfolio for my clients to view. So, if you need pictures taken for any event (seniors, weddings, engagements, bridals, modeling, family, etc) or know anybody who does, make my name the first thing you remember =). This would help me out tremendously! Thank you so much for your support!
Wednesday, May 27, 2009
Posted by Mommy Beal at 8:54 AM 0 comments
Sunday, March 29, 2009
My dad
Posted by Mommy Beal at 11:54 AM 0 comments
Wednesday, June 4, 2008
Sick kids
Wow! I never would have thought that having your kids be sick would be so hard. My son got Rotavirus last Saturday. I ended up taking to the emergency room the next Monday after he passed out on the floor. He had been throwing up and had BAD diarrhea. He was all lethargic just laying around. His eyes looked far away, and he wouldn't sit up or stay awake for more that 30 minutes. His diaper rash had gotten so bad from the diarrhea, his bum was bleeding in a couple of spots. When w got to the hospital, they told us that they were going to admit him into the other hospital for a few days because it seemed a lot worse than normal. Also, he was so dehidrated, they had to try 3 different times to get a vein for the IV. They transporteed us by ambulance to the other hospital and started to work on him. He was still so lethargic, he didn't even move when they had to poke him to draw blood! I was scared out of my mind!! Anyways... long story short... we were in the hospital for 2 days and 2 nights! The point of the story is that it's hell when you're baby is hurting and there's nothing you can do about it! And it's the most frustrating thing ever when you have 2 kids who are sick, and you can only be with one of them at a time! It's gotta be the hardest thing for a mom to do. I just thank God tthat my kids are ok and healthy again!
Posted by Mommy Beal at 7:43 AM 0 comments


text:
I really liked the erpprep.com website and their team of exerts. I took the SAP Ariba Procurement exam and passed. I felt that I was confident and fully prepared going into the exam after my comprehensive practice here. Usually I am very nervous when taking exams but that wasn't the case here, I had clear concept on each subjects which was full of knowledge and was able to easily convey it to the class for all to comprehend although everyone learns at a different pace/level.
thanks, team erpprep!!


text:
Thursday, March 19, 2015
Rosemary Shortbread Cookies
Last night I baked up a batch of Rosemary Shortbread Cookies. The Rosemary gives the cookies a very Victorian twist. I like the combination of herbs in cookies. This recipe is from allrecipes.com (http://allrecipes.com/)
Rosemary Shortbread Cookies
1 1/2 cups unsalted butter
2/3 cup white sugar
2 tablespoons chopped fresh rosemary
2 3/4 cups all-purpose flour
1/4 teaspoon salt
2 teaspoons white or colored sugar for decoration
In a medium bowl, cream together the butter and 2/3 cup of sugar until light and fluffy. Stir in the flour, salt and rosemary until well blended. The dough will be somewhat soft. Cover and refrigerate for 1 hour.
Preheat the oven to 375 degrees F. Line cookie sheets with parchment paper.
On a lightly floured surface, roll the dough out to 1/4 inch thickness. Cut into rectangles or use your favorite cookie cutters. Place cookies 1 inch apart on the lined cookie sheets. Sprinkle the remaining sugar over the tops.
Bake for 8 minutes in the preheated oven, or until golden at the edges. Cool on wire racks, and store in an airtight container at room temperature. The flavor improve with age (best two days after), keeping for about a week.
No comments:
Subscribe to: Post Comments (Atom)


text:
- Home
- Home Accents
- Bedding
- Queen
- Amantipoint White with Gray Queen Duvet Cover Set
Amantipoint White with Gray Queen Duvet Cover Set
Product Description
This duvet cover set lets you express your love of easy-breezy style. Loose scripting has a beautiful sense of flow. Subtle, neutral palette is soothing to the senses.
Product Features
Product Features
- Made of cotton
- 220 thread count
- Set includes 1 duvet cover and 2 standard shams
- Insert not included
- Imported
- Machine washable
Product Reviews
Write Review


text:
152 E. 28 Street, NYC 10016(212) 532-6579
Bruce Lindsley Newman was born on October 16, 1918 and died on May 9, 2015. He was the cherished husband of Elaine A, with whom he shared 63 wonderful years together. Bruce served his country in the United States Air Force returning to his New York, and settling in Peter Cooper Village to pursue a career as an advertising executive. Bruce is mourned by many loved ones near and far. Funeral Services were private
The Gannon Funeral Home is an independent family owned business. Over the generations, the commitment to the heritage of Charles and Mary Gannon has never changed - providing caring professional services for the families of New York City at their most difficult time.
Owned by William P Gannon152 E. 28th StreetNew York, NY10016Phone: 212-532-6579Fax: 646-349-3019


text:
Just Cause for Dismissal: Is One Incident Enough?
Is one incident of dishonesty just cause for dismissal? What if it involves a long-serving employee? This was the issue that was decided recently by the B.C. Court of Appeal in Steel v. Coast Capital Savings Credit Union.
The plaintiff, Susan Steel, was a help desk analyst. She had been employed by the Credit Union for 21 years. In 2008, the plaintiff accessed the personal folder of a manager. The manager kept a folder for assigning parking spaces and the plaintiff wanted to check her status. She was caught because the manager was accessing the folder at the very same time. She was confronted and admitted her misconduct. She also acknowledged that she did not have authorization.
At trial, the judge reviewed the case law, focusing on the Supreme Court of Canada's landmark decision in McKinley v. B.C. Tel (2001) SCC 38. The court dismissed the case and found that Ms Steel had been dismissed for just cause. The plaintiff appealed to the B.C. Court of Appeal.
By a 2-1 majority decision, the B.C. Court of Appeal upheld the trial court decision and dismissed the appeal. As the Court of Appeal put it, "McKinley requires courts to apply a contextual analysis to determine whether employee misconduct amounts to just cause for dismissal….Following McKinley, a single act of dishonesty as a matter of law no longer gives an employer an absolute right to dismissal its employee."
However, the Court of Appeal also noted that "a single act of misconduct can justify dismissal if the misconduct is of a sufficient character to cause the irreparable breakdown of the employment relationship."
The majority of the court held that a breach of privacy was such a fundamental obligation in this type of employment position that the plaintiff's action could be seen as causing a "fundamental breakdown of the employment relationship."
In dissenting reasons, Justice Donald included this sentence: "What is absent from the trial judge's reasons is an explanation why a single instance of a breach of the privacy rules should end a 21 year career….The record does not show deceit, fraud, theft or stealth. The misconduct was serious, as the judge found, but her analysis of the proportionality of the penalty left out a vital factor." Justice Donald would have allowed the appeal and remitted the case to the trial judge for an assessment of damages.
The McKinley decision has been cited many times and has been interpreted in different ways. In some cases, it has been used to help dismissed plaintiffs obtain damages where many people might find the results to be puzzling and overly sympathetic. In other cases, courts have limited the application of McKinley to minor or more limited instances of dishonesty or misconduct.
Ultimately, each judge applies his or own sense of "proportion" and reasonableness. Here two appellate court judges held that one instance of this type of dishonesty was cause for dismissal, whereas one judge disagreed.
For plaintiffs and for employers these are risky cases. They are fact driven. But they also depend on sensibilities of the particular judge hearing the case as well as the appellate court panel that might hear the case if it is appealed.
For Susan Steel, this was a very costly and time consuming ordeal. The Court of Appeal decision was released in 2015, some seven years after Ms Steel was dismissed. Ultimately, she has been awarded nothing after 21 years of employment and may well have incurred significant legal fees. The case is a reminder of the high stakes of pursuing just cause litigation where an undisputed instance of improper conduct is involved.
Use of Summary Judgment Motions in Dismissal Cases
What are summary judgment motions? Are they effective in wrongful dismissal cases? A recent decision of the Ontario Court of Appeal in Arnone v. Best Theratronics Ltd. has provided some helpful guidance for those who would like to use this process.
A summary judgment is a motion for judgment that bypasses the need for a trial. It can be used where there is no "genuine issue" that requires a trial. It can often allow parties to save time and legal costs and has been used quite often in Ontario more recently in non-cause wrongful dismissal cases.
The case involved a 53 year old employee who was dismissed without cause after 31 years. After the parties could not come to a mutually agreeable severance arrangement, the employee sued for wrongful dismissal. Rather than proceed to a trial, he brought a summary judgment motion in the Ontario Superior Court. Although this process allows parties to bypass some of the more expensive procedures in other litigation cases, including extensive examinations for discovery, motions and a trial, it can still be a costly process. Here there were cross examinations on affidavits filed in preparation for the summary judgment.
The motions judge hearing the case initially made a number of findings and awards that were challenged on appeal to the Court of Appeal. For purposes of this note, I wanted to highlight some key findings of the Court of Appeal, which are relevant and helpful to future litigants.
1. Summary Judgment is a Great Process for Without Cause Wrongful Dismissal Cases
The Court of Appeal had little trouble concluding that there were no "genuine issues requiring a trial." It noted that "a straight-forward claim for wrongful dismissal without cause, such as the present one, strikes me as the type of case usually amenable to a Rule 20 summary judgment motion." The defendant tried to resist the motion by arguing that it was unclear whether the plaintiff was a customer service specialist or a manager. The defendant argued that this issue required a trial. The Court of Appeal held that there was no issue requiring a trial. It also noted that, in any event, "character of employment" is a "factor of declining importance." In other words, the factors that are far more important to consider include a dismissed employee's age and length of service rather than the actual position that the person held.
2. Reasonable Notice
The motions judge awarded the plaintiff a notice period of 16.8 months since that was the amount of time that the plaintiff needed to bridge his pension. The Court held that this was an incorrect approach. However, the Court increased the notice period to 22 months, upholding the alternate finding that the motions judge had made. The defendant argued at the Court of Appeal that the notice period should have been 14.4 weeks. This position was roundly rejected and the Court of Appeal held that 22 months was "within the acceptable range of notice periods for employees in circumstances similar to the plaintiff."
3. What About Mitigation?
The Court of Appeal confirmed that any money earned by a dismissed employee during the applicable notice period is to be deducted from the amount that the employer is ordered to pay for the applicable notice period. There is little new here as this is a statement of well settled law. If the plaintiff starts earning a higher income during the applicable notice period, this decision suggests that the plaintiff could actually lose money by having a longer notice period. However, the notice period in this case ensured a full pension for the plaintiff.
4. Pension Benefits
Dismissed employees are entitled to the "present value of the loss of pension benefits during the notice period." This calculations should be performed by an actuary. In this case, the assessment of $65,000 as the pension loss by an expert actuary was not challenged.
There were two other issues in this case that are less commonly contested. The plaintiff was awarded a "retiring allowance of 30 weeks' pay" based on a company policy that provided a retiring allowance of one week's pay per year to retiring employees. The court held that the "retiring allowance" policy did not clearly exempt dismissed employees from receiving the retiring allowance. This allowance was payable in addition to the other wrongful dismissal damages.
It is also worth noting that the motions court made a cost award of $52,280 on this summary judgment motion. The cost award was challenged by the plaintiff, who had apparently made an official "Offer to Settle" before the motion that was not seen by the motions court judge after the issue of liability was determined. The plaintiff wanted to argue that he would be entitled to costs on a higher scale as a result of having submitted valid offers to settle before the motion. Moreover, there would still be further costs to be awarded as a result of this appeal. The Court of Appeal agreed that the issue of costs should be reexamined in light of the offers.
The end result is that this was certainly not an inexpensive summary judgment motion. While it is true that the parties avoided many days of trial, there were still affidavits, cross examinations and submissions. Nevertheless, the process seems to have worked out quite well for the plaintiff, on paper at least, who was ultimately awarded 22 months' pay less any amounts earned during that period, a retiring allowance equal to 30 weeks' pay, pension damages of $65,000 and a significant costs award.
Plaintiffs who have been dismissed without cause and provided with a low ball offer may be well advised to consider a summary judgment motion as the best way to advance a wrongful dismissal claim through the legal process.
Fixed Term Employment Contract? Better Prove It!
When is a fixed term employment contract not enforceable? A recent decision of the Ontario Superior Court in Tossonian v. Cynphany Diamonds Inc. addressed this issue. The court held that the fixed term guarantee was not part of the original deal between the parties and threw out that part of the contract. The plaintiff was still awarded wrongful dismissal damages but they were much lower than they would have been if the employment contract had been enforceable.
The plaintiff, Razmig Tossanian, moved from Vancouver, B.C. to accept a position at Cynphany Diamonds in Toronto. According the trial decision, the plaintiff was looking for an opportunity to move his family to Toronto. After lengthy negotiations, he accepted an email offer of employment that purported to be based on an oral agreement. The email set out the various terms that had been agreed upon, but made no mention of a five year fixed term. The plaintiff did not respond in writing, though he indicated that he had called the owner of Cynphany to confirm the five year guarantee.
The plaintiff moved from Vancouver to Toronto without anything further in writing. He began working for the defendant in late August 2011.
Some weeks later, the parties signed an "Employment Contract." This document did not reference the five year term. A further document, for mortgage purposes was prepared, and signed by the defendant. The second document stated that the plaintiff had a "guaranteed five year position."
There was yet another document that also referenced a five year period, which was also prepared for mortgage confirmation purposes. When the bank called to confirm, the owner of the defendant confirmed the five year term.
Mr. Tossanian worked for a total of approximately 8 months for the defendant. At some point, according to the evidence, the plaintiff began having discussions with another potential employer and he shared information with these discussions with at least one co-worker. He apparently suggested to his co-worker that he had a guaranteed job if he was fired by Cynphany Diamonds. The owner of the defendant found out about these discussions and became quite upset. There was a factual dispute about whether or not the plaintiff resigned or was fired but the evidence seems to be fairly clear in this regard that he was fired. He was not fired for just cause as it is not cause to fire an employee for looking for other work. Just cause was not argued at trial.
After being dismissed, the plaintiff went to the potential employer but the job opportunity that he had been pursuing fizzled. Ultimately, he wound up returning to Vancouver and going back to his old position after just more than 4 months. This position was at a much lower rate of pay.
The plaintiff sued for wrongful dismissal. He alleged that he had a five year fixed term employment agreement and that it had been breached. Even though he found work after four months, he claimed that his losses over a period of five years would amount to approximately $175,000.
The court does not seem to have been impressed by the plaintiff or his evidence. Despite the various written agreements, the court held that the initial email between the parties was the key document and it did not reference a five year term. Although the employer made "inflated representations about the duration of Mr. Tossanian's employment contract to help him get a mortgage" the five year term had not formed part of the initial employment contract. The court held that there was no new consideration for the five year guarantee. The decision notes that the presiding judge did not feel that a salesperson of fine jewellery would require a five year fixed term employment contract.
Even though the court refused to find that there had been a five year guarantee, it still found that the plaintiff had been wrongfully dismissed. The court then had to turn to the applicable notice period. The judge was not particularly sympathetic to Mr. Tossonian. He was awarded a total notice period of two months, amounting to just over $13,500. This was awarded after a trial that spanned over seven days, not to mention all of the preliminary motions, examinations and other court appearances. Ouch!
In some respects, the decision is puzzling. The plaintiff had at least two documents, signed by the defendant, providing for a guaranteed five year period. Although the owner of the defendant provided evidence that things were not really as they seemed, the court's explanation of why the five year fixed term employment agreement should not be enforceable is not particularly convincing. If the defendant signed a document guaranteeing a five year period, provided that document to third parties and answered oral inquiries in a manner consistent with that document, there seems to be ample reason to find that the document was binding.
The court's decision was likely coloured by the plaintiff and by the court's assessment of the plaintiff as a witness. The judge did not seem to like the plaintiff's explanation as to why the five year fixed term was not included in the original email. The court was less than impressed by the plaintiff's efforts to find work for another employer, while still employed by the defendant. In particular, the court found that the plaintiff had discussed that with at least one other employee and this caused the judge to empathize with the employer. As well, the court noted that the plaintiff returned to his old position reasonably quickly after being dismissed and may have had other opportunities as well.
The judge's assessment of the plaintiff and that plaintiff's character was quite damaging. Not only did the court reject the five year term but it also awarded the plaintiff a very short notice period of only two months. Courts have a great deal of latitude in selecting the appropriate notice period. Although judges are supposed to consider the length of service, age, type of position and a variety of factors, decisions are inevitably coloured by the likeability of the plaintiff as a witness.
It may well be that this case is headed for an appeal to the Ontario Court of Appeal for a reassessment. While the two month notice period is probably not likely to change if the Court of Appeal upholds the court's findings, the real issue is whether or not the employer was bound by a five year employment contract. This seems to be a question of law and one which the Court of Appeal may well consider carefully and could even reverse, depending on the particular Court of Appeal panel.
The decision is a reminder of some very key points that apply to many employment law situations:
1. An enforceable contract must contain all of the terms and must be agreed upon by both sides, in advance, prior to the start date. Oral representations, side agreements and "confirmation of employment letters" may not be binding if they conflict with the original contract;
2. Where an employee finds work after being dismissed, courts will be reluctant to award large scale damages unless there is a very compelling reason to do so;
3. Whether or not a witness makes a favourable impression on the court is crucial. If a court has concerns about a witness's honesty, character, motivation or if a court has other concerns, that may well have disastrous consequences for that side.
Key Employment Law Cases of 2014
Another year has passed and that means it is time to reflect back and consider some developments in employment law that we witnessed in 2014. It was not an earth shattering year in the employment law field in Canada. There were certainly many decisions reached across the country dealing with wrongful dismissal, breach of human rights, non-competition covenants and a range of other topics. But the number of decisions that really changed the law was limited. That being said, I have highlighted a few cases and other employment law developments that are worth summarizing. I have provided the links to my original blog articles where they are cases that I wrote about.
This case is not completely over since there is a still a potential labour arbitration pending. Moreover, the case was not adjudicated. It was settled. However, it created a great deal of discussion in the employment law world and for that reason it is worth including. What are the key points to think about?
A. Unionized employees will have an incredibly difficult time launching wrongful dismissal or other employment law related cases in the court system. The proper venue for these cases is labour arbitration hearings. For the most part, dismissed unionized employees must file a grievance.
B. Egregious personal conduct, even off-hours conduct, can be cause for dismissal, particularly if at least some of it spills over into the workplace or into workplace related events. Employers will need to pay careful attention to allegations of improper personal conduct and should address and deal with these matters before they become unmanageable.
C. Taking an extremely aggressive approach to employment law litigation is simply not always the best strategy for plaintiffs.
There may still be more on this in 2015 as Canadians follow Ghomeshi's criminal proceedings and his labour arbitration case. The high profile nature of the dispute warrants its inclusion on a list of interesting developments.
The Ontario Court of Appeal awarded more than $400,000 to an employee who had been subjected to humiliating treatment in the workplace. It is still rare in Canada to see these types of awards. Although the amount of the trial judgment was reduced considerably, this case is still a significant weapon in the arsenal of decisions upon which abused employees and their counsel will rely. It remains to be seen whether large scale punitive and aggravated damages become more commonplace in Canada. Employees facing humiliating workplace conduct and bullying bosses have additional legal options to consider in light of this decision.
In this key case, the Federal Court of Appeal looked at the issue of "family status" under human rights legislation and concluded that family status includes childcare responsibilities and similar family care obligations. This means that an employee with childcare responsibilities may, in certain circumstances, be entitled to protection and accommodation under applicable human rights legislation. The Court set out a number of criteria that must be met and tried to make it clear that not every employee with some child care responsibilities will be able to request accommodation. However, many employers are trying to deal with the issues pro-actively and are finding ways to accommodate the needs of employees with child care and elderly care responsibilities.
4. Jan Wong and the Globe and Mail
Although I originally discussed this in 2013, the adjudicator's decision was upheld in 2014 and Jan Wong was left facing a significant award as well as an award of legal costs. The case illustrates a few points:
A. The difficulty of proceeding in any kind of dispute in a unionized workplace without the backing and support of the union;
B. The seriousness of confidentiality provisions in a settlement. Employees who sign confidentiality provisions in settlements with their former employers can expect to face repercussions if they breach these provisions. In some cases, a breach can mean a requirement to pay back to the employer the full amount of the original settlement.
5. Fulawka v. Bank of Nova Scotia (Originally 2012 Ontario CA)
The Bank of Nova Scotia reached a settlement of a class action lawsuit with a group of bank employees claiming entitlement to overtime pay. This settlement means that as many as 16,000 employees of the Bank of Nova Scotia could be entitled to overtime pay for overtime hours worked during the time period 2000 to 2013. The affected employees were required to submit their claims by October 2014. The case is a significant illustration of the availability of class actions to deal with widespread policies of large employers that may affect many different employees. It is also which has caused employers and employees to examine their overtime hours and overtime policies. Just because an employee is paid a salary does not mean that the employee can be required to work uncompensated overtime hours.
2014 Blog Posts – Selected Highlights
As well as they the key cases and issues set out above, I have highlighted a few of my blog posts from the past year. In case you missed any of these, you might find them interesting:
1. Hollander v. Tiger Courier Inc. (Sask C.A.)
It was not considered wrongful dismissal where a package of marijuana was delivered to an employee at his workplace. The employee claimed that he knew nothing about the pot and that it wasn't his…Fascinating reading.
2. Rhebergen v. Creston Veterinary Clinic (B.C.C.A.)
The B.C. Court of Appeal upheld a very onerous non-compete provision for a veterinarian. The clause prohibited a vet from setting up a practice within 25 miles of her employer's clinic, for a period of 3 years. It included huge financial penalties that would become payable in the event of a breach. Surprisingly, the B.C. Court of Appeal upheld this clause.
3. Steps to Take When You Are Fired
In this blog post, I have set out some things to consider when facing a dismissal situation.
4. Are Employment Contracts Negotiable?
This post deals with aspects of employment contracts that can and should be negotiated.
5. Poisoned Work Environment? Not in this Restaurant.
Discussion of a recent Ontario Human Rights Tribunal decision addressing allegations of a poisoned work environment.
For 2015, I will aim to put up one or two new posts a month and I hope to send out an email update quarterly, or so.
Wishing everyone a Happy New Year.
Dismissal of Ghomeshi: Some Employment Law Points
The dismissal of Jian Ghomeshi from the CBC continues to dominate headlines. At this point, however, it has really become much more of a case about sexual assault and the criminal proceedings that Ghomeshi faces rather than about the employment law aspects of the case. I am not going to delve into the criminal law aspects of this matter or get into a discussion about sexual assault laws in Canada. Instead, I wanted to highlight some of the employment law points that emerged from the case.
A CBC spokesperson announced earlier this week that Ghomeshi had dropped his $55M lawsuit against the CBC. According to the CBC, Ghomeshi agreed to a dismissal of the case and to pay $18,000 towards the CBC's legal costs. Wow, what an embarrassing result; a total victory for the CBC. In hockey terms, that is the equivalent of an 8-0 loss, something that Toronto Maple Leaf fans have been known to experience (even if the CBC will have fewer future occasions to broadcast these matches). Ghomeshi can still pursue a grievance arbitration, if his union decides to take the case to a hearing. But the only courtroom he is likely to encounter now will be a criminal court, if his case winds up going to trial.
I discussed some of the employment law aspects of his case here when some of initial details began emerging. Now that the case is effectively over, it is worth highlighting a few additional points:
- The best defence is not always an outrageous offence:
Although there are some very aggressive employment lawyers in Toronto, a pre-emptive strategy is simply not always the best course of action. Some Canadians might be tempted to think that a strategy that worked in the past for former Prime Minister Mulroney must be a sensible one. But each case has its own facts. Sometimes employees facing a dismissal with cause are able to negotiate a quiet resolution of their situation that involves minimal publicity and perhaps even a mutually agreeable statement about the person's departure. It is far from clear that Mr. Ghomeshi would have been able to arrange that type of deal with the CBC. But a strategy of posting a lengthy message on Facebook, launching an outrageous, ill-conceived claim and remaining defiant is extremely risky at the best of times. It does not seem to have served Mr. Ghomeshi very well in this case.
- Appropriate legal representation
Unionized employees face a tremendous uphill battle in trying to sue their former employers. Generally, they are prohibited from bringing such cases. If they wish to proceed, they must show that the lawsuit raises issues that our outside of the scope of the employment relationship and can stand on their own as independent torts or causes of action. In Mr. Ghomeshi's case, he claimed, among other things, that he was dismissed because the CBC made a moral judgment about his lifestyle choice. That type of pleading almost certainly doomed this lawsuit from the start.
Employment lawyers are left scratching their heads. We must prepare a pleading that stands a decent chance of surviving the requirements that have been set out by the Supreme Court of Canada. If this cannot be done, clients will usually be advised that the claim has no chance of success. Mr. Ghomeshi may well have been provided with that advice. However, Mr. Ghomeshi's decision to proceed with such an ill-fated claim, even after having been provided with the assessment that success was virtually impossible seems highly questionable, at best, on the part of Mr. Ghomeshi and his legal team.
- Resolving an unwinnable case
The CBC did not even bother putting in a Statement of Defence in response to Mr. Ghomeshi's claim. There was no need to do so. Instead, it simply brought a preliminary motion to strike out the claim as one that disclosed no real cause of action. Normally, that is a difficult standard to meet. Moreover, if a plaintiff becomes concerned that the case is unwinnable or that there are reasons to drop it (like the prospect of criminal charges), this can often be done on terms that are close to neutral for the plaintiff. Many defendants will agree to a consent dismissal of a lawsuit without the payment of any legal costs. If legal costs are to be paid, most defendants will agree to some type of confidentiality provision. In this case, Mr. Ghomeshi appears to have surrendered completely. His case was dismissed with costs. It was announced publicly. And it was also announced that he was forced to pay the CBC's legal fees of $18,000. While there are certainly cases in which a plaintiff is ordered to pay the defendant's costs after losing an actual trial, it is quite rare for a plaintiff to pay legal costs just for the privilege of dropping a lawsuit. Obviously, there are many facts that the public has not been told and it became quite clear to Ghomeshi and his lawyers that he was likely to wind up paying a much higher amount in legal fees if the case was dismissed by court after hearing the motion.
Overall, the case has been a reminder that lawyers cannot work miracles. Sometimes the best strategy for dismissed employees facing strong just cause cases is to negotiate the best possible, confidential, walk-away resolution. If that cannot be done, steps should still be taken to minimize the potential damage rather than exacerbate it.
Just Cause for Dismissal? Hard to Prove.
What kind of conduct is just cause for the dismissal of a teacher? If the teacher has been a long serving employee, the threshold will be quite high, according to a recent Ontario Superior Court decision.
In the case of Fernandes v. Peel Educational & Tutorial Services Limted, the plaintiff was awarded one year's salary. Perhaps more significantly, he was awarded the value of disability benefits that he would have been eligible to receive because he became disabled within a short time period after being dismissed.
Mr. Fernandes had been a teacher with Peel Educational Tutorial Services for more than 10 years. In 2009, the school alleged that Mr. Fernandes had falsified students' marks and committed "academic fraud" by doing so. Mr. Fernandes conceded that some of his calculations were incorrect and that there were some issues with his submitted marks. But he denied his conduct was "fraudulent."
This case involved a 10 day trial, which featured the evidence of numerous witnesses. One of the witnesses called by the school was a "Mr. Zero," who certainly has an interesting name for a witness in which one of the allegations is that certain students should have been given a mark of "0" for failing to hand in assignments.
In any event, after all of this extensive evidence, Justice Lemon concluded that Mr. Fernandes had been wrongfully dismissed.
The court made some interesting findings including:
- Mr. Fernandes gave incorrect marks;
- The marks he gave were late;
- He allowed students to have overdue assignments;
- Even though he was a computer teacher, his own computer program did not provide accurate marks;
- He lied to his employers about how the marks were calculated;
- He lied to the court about the student presentations were marked;
- He admitted to falsifying some marks on students' records.
These are all findings made by the court and appear in the decision.
However, the court also noted that Mr. Fernandes had been employed for more than 10 years and up to these incidents, was considered a "well-regarded teacher."
Taking into account all of the circumstances and relying heavily on a charitable reading of McKinley v. B.C. Tel (2001) S.C.C. 38, [2001] 2 S.C.R. 161, the court concluded that "immediate termination was not the appropriate sanction for this misconduct." The court noted that "the defendants could have fashioned a reprimand and a warning that such conduct, if repeated, would lead to summary dismissal." The court awarded Mr. Fernandes one year's compensation amounting to just over $50,000.
Mr. Fernandes had also sued for $300,000 in "intentional infliction of mental distress." This claim was rejected.
However, in addition, he had brought a claim for "long-term disability benefits" for $226,000. At trial, he demonstrated that he was suffering from severe depression and other related symptoms. The court held that he became disabled after being dismissed and during the applicable notice period. The employer was therefore responsible for the full value of the disability benefits. Given that Mr. Fernandes was 52 at the time of dismissal, this could mean approximately 13 years of LTD benefits, for which the defendant school would be responsible.
It remains to be seen what the Ontario Court of Appeal will do with this case. Given the findings of the judge, there seems to be significant findings of improper conduct that may well warrant a just cause dismissal. Although the judge was in the best position to make these findings of fact, the Court of Appeal may well review the court's conclusion that just cause dismissal was not warranted in the circumstances. It should provide for some interesting reading if the case is actually appealed and argued.
Irrespective of what ultimately happens with this case on appeal, if it gets there, here are some key points to consider:
1. Establishing just cause for long service employees is extremely difficult and costly. Many judges are willing to give plaintiffs the benefit of the doubt, even where serious misconduct is alleged. Even were there is evidence of some misconduct, courts will consider the whole employment history of a dismissed plaintiff;
2. Dismissed employees can and should fight employer determinations of "just cause" if there is any reasonable prospect of success and sometimes, these cases can sometimes even be won where the prospects look grim;
3. Dismissed employees are entitled to insurance benefits during any applicable notice period. If they are cut off from these benefits by their employer and then later found to have been wrongfully dismissed, employers will be responsible for the full value of the benefits. This means that if an employee dies during a notice period, the employer will be responsible for the full value of the life insurance policy that had been in effect. If the employee becomes disabled, the employer will be responsible for the full value of the disability benefits. Employers need to consider liability very carefully before cutting of an employee from all benefits when making a termination decision.


text:
Nesting is awesome because it imitates your html markup. The code is organised in a more familiar way. But the convenience has a cost, CSS specificity!
Take an example of the following HTML,

Tomatoes

Brinjals

Broccolis

And the Sass code,
.grocerylist {
.groceryitem { color: red; }
When it's compiled to CSS, the following is generated,
.grocerylist .groceryitem { color: red; }
Now later you decided you wanted the already purchased grocery items should be green. So you go and add a class
purchased to your html,

Tomatoes

Brinjals

Broccolis

And say you add the following in your Sass code,
.purchased { color: green; }
Then hit your head on the wall figuring out why it doesn't work. Well, it doesn't, because
.grocerylist .groceryitem has a higher specificity than
.purchased. This is just a very basic example. But if you want to know more about specificity, +Chris Coyier has written a detailed post on CSS-Tricks about it.
I won't go into deep about specificity. The point is, nested selectors in Sass create more specific selectors. Hence it becomes hard to override their styles. And more levels of selector means the browser has to do much more parsing than it needed in case of a single selector. So, nesting is evil. There is even an inception rule which advises not to go deeper than 4 nesting levels. But even 4 levels of nesting is bad IMO.
It's like the movie Megamind. Megamind, who was initially a good lad, turned evil super villain. But even he turned into a hero again. Cannot we do something for nesting, so that it's no longer the evil villain?
Luckily we can, if we follow certain conventions in naming our CSS classes, we can again use nesting without worrying about specificity issues.
I always follow the convention of naming my css classes according to the place they belong. For example, say there is a sidebar, I will add the class
sidebar. Then for each block in the sidebar, I add the class
sidebar-block and for each item inside that block, I add the class
sidebar-block-item. If you follow this naming convention, now you can now write your Sass like,
.sidebar {
// styles
&-block {
// styles
&-item {
// styles
Now the generated CSS code will be,
.sidebar {
// styles
.sidebar-block {
// styles
.sidebar-block-item {
// styles
Yay! No more specificity issues. Each selector is cleanly separated without nesting in the generated CSS. Heck, Sass even generates CSS indented to look like the nested Sass code. So no more issues!
Of course, if you follow this approach excessive nesting will require very long CSS selector names. But then, excessive nesting is still bad. Nesting will improve readability. Excessive nesting will not. For me, the inception rule still applies with this approach.
Do you follow any other techniques to organise your Sass code better? Or do you think this approach is not good? If you've any opinions, feel free to comment.


text:
My 12-calendar year-aged son has become taking Ukelele classes for two or three a long time, and after he concluded his last lesson, he came out and advised me that he planned to get started playing guitar. His Instructor, Michael, experienced accompanied him out on the lesson place and instructed me that he was ready.Probably you've read each side… Read More
This web page is sponsored by Sweetwater so that you can click on through to obtain the comprehensive technical specs, the most up-to-date selling price, and buy any of the Acoustic Guitars stocked by Sweetwater that Now we have suggested.There may be some buzzing on account of its decreased motion, but rookies should have a better learning experie… Read More
Phen375 doesn't chemically forces you to lose weight rather It's really a quicken safe and powerful system to lose the excess way. And that really rationale is enough that can guide you to get this item. Moreover the a thousand of testimonies are there to make you choose much better.The premise for Phen375 is Phentermine diet regime-capsules that… Read More
Quite a few scordatura (alternate tunings) modify the normal tuning of your lute, especially when playing Renaissance tunes repertoire originally written for that instrument.Mark Lincoln Mark is an expressive player and energetic Instructor, which provides his series an entertaining but insightful set of lessons to start out you off inside your gui… Read More
So that you can easily pick out an online guitar program, We've got reviewed the top best online guitar lessons for beginners to Sophisticated. These critiques will assist you to much better have an understanding of Every and assist you agree on one that best suits your preferences. Allow's start out.Since guitar lessons are supplied in a variety… Read More


text:
Sunday, May 4, 2014
25 Weeks
Aloha from the sunny state of Florida! It is officially WEDDING WEEK--which is why I'm just now getting around to posting (sorry). Not much has happened other than my belly growing quite a bit and prepping/packing for the wedding. Only 3 weeks left until I'm in the 3rd trimester (WHAT?!) and apparently this is going to be the time he is the most active since after that his room is going to become quite a bit smaller as he grows! Funny story--Daniel and I went on a date last Tuesday and our waitress asked me if I was pregnant. I told her yes I was and that I was due in August. THIS is how she replied, " You don't even look pregnant!" Um, thanks? So I just look like I have a huge beer belly? Listen, if a woman is VISIBLY pregnant, DON'T tell her she doesn't even look pregnant! So not a compliment. Lol
Mom, Hannah, my grandmother, one of the bridesmaids, my mom's best friend and I left for Florida at 2AM Saturday morning, caravan-ing and bringing all the wedding dècor and stuff. We got here yesterday afternoon and have been busy gearing up for all the festivities this week. Since it's a destination wedding, not many people are coming, or were invited for that matter (which is why we are hosting a reception in Conway on May 30th at Centennial Valley Country Club. EVERYONE IS INVITED)--it's about 95% family and the other 5% is the wedding party. Everyone will start trickling in starting Wednesday, my hubby gets here Thursday and then the wedding is Friday! I can't wait to post pictures--it's going to be so beautiful!!
*side note--one of my best friends is having her baby girl today! Congratulations Sarah--I can't wait to meet her!*
How far along: 25 weeks and 3 days
Maternity clothes: One of my good friends loaned me about 5 tops, 2 pair of shorts, and about 5 dresses! I feel like I have a whole new wardrobe! Thank you Celice :)
Stretch marks: Negatory
Sleep: Great! So, so thankful I'm still sleeping good at this stage
Best moment this week: Going on a date with my hubby :)
Miss anything: Laying on my tummy. But, the hubs is going to carve me out a hole in the sand so I can!
Movement: Everyday! Absolutely loving it. I'll definitely miss that feeling once he is here.
Food cravings: sushi! and anything sour
Food aversions: Chicken still--but not too bad!
Have you started showing: The waitress sure noticed
Labor Signs: None
Belly button In/Out: In for now! I have a feeling it's going to pop out at some point though
Rings On/Off: On. Being in Florida will be a good judge of how bad my fingers will swell. I'm hoping to make it through part of June without having to take them off.
Happy or Moody: Happy
Looking forward to: All the fun wedding festivities this week and then relaxing on vacation next week
Baby development this week: Not much other than he is steadily gaining weight and his nostrils are open so he can practice breathing now!
Labels: baby lowery, pregnancy
Subscribe to: Post Comments (Atom)


text:
Just goes to show that there's just as much slime in the medical profession as there is anywhere else if not more in this 10 year MS patient's opinion.
And furthermore, yet a little off topic, been to hospital lately?
It's like an English 101 class with everyone walking around spelling everything for each others because 90% of the NEW nurses and Dr's are freaking foreigners and comprehend English about as well as I've mastered Latin and Swahili.You'd think nurses and Dr.'s would have to have decent if not entire command of the English language in order to practice here, but you'd be as wrong as Obamacare is.
In fact it's so bad It's a wonder half the people make it out of those places alive. And I know this first hand, I was a 911 dispatcher par time for 5 years while completely crippled until just recently recovering my ability to walk again, as I quit because I couldn't tolerate another single, solitary second of that miserable, unending crap! And for that reason only.
Ttrying to help people you can't communicate with is like pulling teeth from a Teradactyl and I'd rather dive off Niagara falls than ever do that again in this "America owes us" day and age. F*** THEM ALL is what I say. Learn the language we use here and not just "where's the nearest currency exchange" and "where's the human services office and liquor store?"
Dr Conrad Murray, Michael Jackson's Rip van winkle specialist
who's obviously not very good at it.
who's obviously not very good at it.
He should be charged with outright murder after these allegations.
Source: Doc halted Jackson's CPR to hide drugsmsnbc.com: "LOS ANGELES - Michael Jackson's doctor halted CPR on the dying pop star and delayed calling paramedics so he could collect drug vials at the scene, according to documents obtained by The Associated Press that shed new light on the singer's chaotic final moments.The explosive allegation that Dr. Conrad Murray may have tried to hide evidence is likely to be a focus as prosecutors move ahead with their involuntary manslaughter case against him.The account was given to investigators by Alberto Alvarez, Jackson's logistics director, who was summoned to the stricken star's side as he was dying on June 25. His statement and those from two other Jackson employees also obtained by the AP paint a grisly scene in Jackson's bedroom." continued


text:
Holiday Homes in the Wodonga
It is easy to find holiday homes in the Wodonga city using our catalog, wich contains the clear indication of all information. Our catalog will help all inhabitants of the Wodonga city, and its guests, to find holiday homes, necessary addresses and phone numbers, and also to get all desired information.
Gemstone Caravan Park Address: 139 Main St Eldorado VIC 3746
Elevation Mt Beauty Address: 39 Ranch Rd Tawonga South VIC 3698
Family Friend Outside School Hours Care Centre Address: Logan Rd North Albury NSW 2640
Outdoor Travel PTY Ltd. Address: 3/1 Ireland St Bright VIC 3741
Literacy House Address: 470 Swift St Albury NSW 2640
Family Friend Home Support Address: 532 Logan Rd Albury NSW 2640
Bed and Breakfast Albury Address: 623 Krautz St Albury NSW 2641
Hedonistic Hiking Address: 4 Mill Bend Road Porepunkah VIC 3740
Delany Lodge Address: 90 Delany Ave Bright VIC 3741
Wodonga Primary School Address: Brockley St Wodonga VIC 3690
Wodonga Travel Address: 86 High St Wodonga VIC 3690
Walnut Tree Cottages Address: 161 Whorouly Rd Whorouly VIC 3735
Mt Pilot Tourist Farm Address: 373 Toveys Rd Chiltern VIC 3683
Mad On The Rive Address: Great Alpine Rd Bright VIC 3741
Adina Holiday Units Address: 1 Ashwood Ave Bright VIC 3741


text:
Spanish Chatbook 1 Online- Prepaid course
Spanish Chatbook Online has 6 lessons
Each lesson has an instructional video that is about 40 minutes. The video will walk you step by step through the pages of that chapter.
After you complete the quizzes in all 6 lessons you will receive an online certificate.


text:
Monthly zodiac predictions for the Month of May
Starting of this month is auspicious for you. You will be satisfied with your professional progress and money generated through your business. Your hard work will be rewarded suitably. Your friend will become jealous from you and make back biting to hurt you. But they will not get much success in that. You will continue to up stair the graph of success. Good money inflow will enhance your bank balance. Your loaned money will be recovered easily. But do not make any daring activity as anything untoward may happen. Your relation at home will be very romantic with your spouse/beloved one. You may enjoy your days with your children. Socially you will be praised for your good deeds. These days you will have all favorable atmosphere. Your own trusted persons will try to dupe you in the last week of the month. This is a very good month for you and you will receive money, prestige and honor and reward in this month.


text:
HTC U11 Eyes could bring a big screen and dual selfie cameras
NewsHTC U11 Eyes could bring a big screen and dual selfie cameras
The HTC U11 is a great phone, and a few different versions of it have already launched. But, if this leak from Venture Beat's Evan Blass proves true, the HTC U11 Eyes may be the next take on the phone.
The leak shows a device that looks fairly similar to the standard U11, but a few subtle differences are apparent. The screen takes up a bit more space on the front, as it's a 6-inch display with a 1080 x 2160 resolution. The larger display pushes the fingerprint sensor around to the back of the phone.
HTC U11 EYEs (Harmony): 6″ FHD+ (1080 x 2160) Super LCD3, SD652 octa core, 4GB/64GB (+microSD), USB-C, 3930mAh, IP67, Android Nougat, Edge Sense. Black, silver, and red. Launches 1/15. pic.twitter.com/Ng0ateH3XRJanuary 12, 2018
A little more subtle is the addition of a second selfie camera above the screen. Dual-camera systems on the rear of phones have been cropping up more and more, and they usually enable some form of depth effect to enhance portraits. But, putting the dual-lens setup on the front can bring that functionality to the world of selfies.
Beyond that, the HTC U11 Eyes is shaping up to be a mid-range standout, as it will have a Snapdragon 652 octa-core processor, 4GB of RAM, 64GB of internal storage, HTC's signature Edge Sense squeezing control, a beastly 3,930mAh battery and IP67 water and dust protection.
Though the phone is expected to launch in just a few days, on January 15, it will won't come with Android 8.0 Oreo, instead going with the Nougat of yesteryear.
Via The Vergevar taboola_lists = [];if(window.screen.width >= 700) {taboola_lists.push({mode: 'thumbnails-b',container: 'taboola-below-article-thumbnails',placement: 'Below Article Thumbnails',target_type: 'mix'},{mode: 'alternating-thumbnails-b',container: 'taboola-below-article-thumbnails-2nd',placement: 'Below Article Thumbnails 2nd',target_type: 'mix'})} else {taboola_lists.push({mode: 'thumbnails-a',container:
Get the best tech deals, reviews, product advice, competitions, unmissable tech news and more!No spam, we promise. You can unsubscribe at any time and we'll never share your details without your permission.
View the original article here
This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.


text:
1CommentsJoined February 16th, 2016
- bluecaban13 favorited How to Properly Care for a Betta by iGabe2 years ago
- bluecaban13 followed bluecaban13 and iGabe2 years ago
- bluecaban13 commented on iGabe's instructable How to Properly Care for a Betta2 years agoView Instructable »
Flexo is sick and I don't know what to do! I have changed his filter as I do every month! I added salt to the tank, even though I have live plants and after a change in the tank I never added it. I have been doing water changes and with no luck! I think he has Popeye;as he has white rings around both of his eyes. And even though he is eating he has become very lethargic and is not his usual playful self ?! any advice on how to treat this disease? Or tips?


text:
Making a Difference
Staff, tenants, Board Members, leaseholders and partners have worked together on the Making a Difference project, our approach to self-assessment.
The Welsh Government has asked all social landlords to complete a regular self-assessment exercise to obtain a snapshot of how each organisation is currently performing.
The group's approach to this exercise was to develop a set of local outcomes which describe the desired impact of our work on tenants and other stakeholders. Through evaluating existing data and carrying out new research by speaking to stakeholders, the group analysed how we are currently performing against each outcome, what we're doing well and what we need to improve.
The project gave members of the Making a Difference working group lots of new skills, experiences and knowledge and ultimately brought together a diverse group of people who have now formed strong relationships.
The project findings gave us a real flavour of how far we have come since transfer. Click here for further details. Further work will now be done to update the Making a Difference project and strengthen and improve our services in future.
Click on a button below to see further details on the topic:


text:
Sous Vide Pork Tenderloin Steaks for Two
Why This Recipe Works
For pork tenderloin that was perfectly tender and juicy from edge to edge, we used an immersion circulator. We began by lightly pounding the pork to create two flat sides that would be easy to sear. Halving the tenderloins crosswise created moderately sized steaks that were easy to maneuver. We placed the pork and a bit of vegetable oil in a plastic bag, making sure to remove as much air as possible to ensure even cooking. Submerged in a 140-degree water bath, the pork was guaranteed to remain moist and tender and to cook evenly from edge to edge. For great browning, we made sure to pat the pork very dry before searing it in a hot skillet.
IngredientsPrint Shopping List
|(1-pound) pork tenderloin, trimmed
|Kosher salt and pepper
|2 ½
|tablespoons vegetable oil
Per Serving (Serves 4)
- Calories 208
- Cholesterol 70 mg
- Fat 12 g
- Sodium 284 mg
- Saturated 1 g
- Carbs 0 g
- Trans 0 g
- Dietary Fiber 0 g
- Monounsaturated 7 g
- Sugar 0 g
- Polyunsaturated 2 g
- Protein 22 g
The information shown is Edamam's estimate based on available ingredients and preparation. It should not be considered a substitute for a professional nutritionist's advice.
From The Shop
InstructionsServes 2
We prefer natural pork in this recipe. If using enhanced pork (injected with a salt solution), reduce the salt in step 2 to ¼ teaspoon per steak. Serve steaks with Scallion-Ginger Relish, if desired.
1. Using sous vide circulator, bring 4 quarts water (water should be 4 inches deep) to 140°F/60°C in 7-quart Dutch oven or similar-size heatproof container.
2. Pound tenderloin to 1-inch thickness. Halve tenderloin crosswise to create 2 steaks. Sprinkle each steak with ½ teaspoon salt and ⅛ teaspoon pepper. Place steaks and 1 tablespoon oil in 1-gallon zipper-lock freezer bag. Seal bag, pressing out as much air as possible. Gently lower bag into prepared water bath until pork is fully submerged, then clip top corner of bag to side of pot, allowing remaining air bubbles to rise to top of bag. Open 1 corner of zipper, release air bubbles, and reseal bag. Cover pot with plastic wrap and cook pork for at least 1 hour or up to 2 hours.
3. Line wire rack with double layer of paper towels and place in rimmed baking sheet. Transfer steaks to paper towels, cover with another double layer of paper towels, and let stand for 10 minutes.
4. Pat steaks until surfaces are very dry. Heat remaining 1½ tablespoons oil in 10-inch skillet over medium-high heat until just smoking. Increase heat to high, place steaks in skillet, and sear until well browned on both sides, 1 to 2 minutes per side. Transfer to carving board and let stand for 5 minutes. Slice steaks against grain ¾ inch thick and transfer to serving platter. Season with salt to taste, and serve.


text: Free Slots Online - Biggest Casino Slot Games List you want to play for real money, in that case, we have online casino section with only trusted brands listed. + FREE slot machine games available in 9 languages ☆ Play for fun with ✓ no in real money and free slots games programming for online casinos. Planet 7 Casino features more than Vegas-style slot machines. The casino is open to free and real money players with games starting as low as one cent up. PokerStars is the largest online poker site offering the biggest amount of poker games and different game variations including Texas Hold'em, Omaha and other popular poker games. Sticky Wilds are the Wilds remaining in the same place for a set number of spins, and they acquire a suit of any symbol that is capable of creating a winning combination in the current line pattern. So, if you are from the USA, you will see the best real money casinos for U. Deposit bonuses are by far the most popular promotional offers. You can visit our how to win at slot s section to discover tactics to get more value from your play. Slots are casually known as one-armed bandits, as back in their first years they were operated by one lever on the side, and because they have a reputation of being able to impoverish the gambler. There are lots of free spins awarded, as you get ten spins every time there are three or more vampire symbols exposed and triple wins from Dracula. And the Spinning Prize Free online casino roulette spiele kostenlos online spielen ohne anmeldung ohne download For a more comprehensive and user-friendly experience, we have provided explanations below of every one of our available free online slots with no download to play with many bonus features. Why not ask the customer support team a couple of questions before online casino anbieter car wash spiele deposit and play online casino real money games? This popular slot has five reels and 25 paylines, and naturally all of the free online slots www spielautomaten kostenlos spielen are populated by vampires, stakes, holy water, garlic — and Dracula is wild. The Stop Spin button allows you to control when the reels spin by pressing the spin button; it also controls deutschland online casino slizing hot they stop as well. Slotozilla has an abundant amount of video slot free online book of ra free spielen to casino kostenlos online spielen spielen kostenlos online ohne anmeldung in its selection of online versions online casino sunmaker novolino casino free slots, ranging from 1-line to 1, ways to win in a single free slot machine game. We would like to online casino roulette casino spiele book of ra you that slot game free online kostenlos book of ra ohne anmeldung download is needed for accessing our slots for free and playing them in an unlimited gratis version! One of the most playable free slots machines are the Vegas slots that are ordinarily crafted to reflect the essential attributes of the world-known land-based casinos. They are also kept abreast of game changes, new games, and promotions via email and notifications. If you want to play online slots real moneyyou need to have an account at the right casino room and you casino craps online kostenlos automaten spielen ohne anmeldung book of ra need to make sure you get your free money to play before the no online casino slots gratis spielautomaten promotions expire. If you are like me, then you have had some wonderful times playing the real money slots in Las Vegas and other casinos all over the US I love AC and Reno too as well as local casinos in many cities across the country. We bet you love to play free slot games online, that is why you got here! No Registration Required One of the biggest things about the range of slot machines here, is that you do not need to register to play them. There are a ton of other bonuses linked to board spaces, but the really big payoffs come with the Mystery Wild bonus which can happen at almost any time: All payments are still reflected regarding the previous wager in each automated spin. While no deposit bonuses offer players an opportunity to try out different sites for free, they aren't always the best offers available at most casinos. Penny slots allow players to bet a minimum of 1 cent per line, thus becoming smallest investing slot type.


text:
Sophocles (496-406 bc) is believed to have written well over one hundred plays, of which only seven survive: Women of Trachis, Ajax, Antigone, Oedipus the King, Electra, Philoctetes and Oedipus at Colonus.
About Book
God is on fire - his fever is plague.
All that was sweet is spilt and gone.
The people of Thebes look to Oedipus to lift a terrible curse from them and their city. He consults the oracle and learns that he must root out the late king's murderer. But his relentless interrogation of one man after another leads inexorably, and in the space of a single day, to his own savage conclusion.
You are who you are seeking to find.
Frank McGuinness's version of Sophocles' Oedipus premiered at the National Theatre, London, in October 2008.


text:
How To Find The Right Existence Insurance CompanyThe subject matter of life insurance coverage is cumbersome. Navigating the complicated entire world of existence insurance can be difficult, particularly if you are uncertain specifically what form of coverage you need. This post gives valuable data that will support you choose how to select a lifestyle insurance coverage, and acquire a coverage price efficiently.
Uncover the correct kind of existence insurance policy for your needs. The 3 fundamental sorts are, entire daily life, term lifestyle and variable lifestyle. Total daily life procedures will be the most pricey, but they work much like a financial savings account, meaning that you can use it as an asset in the potential, if it hasn't been utilised.
It is crucial to have ample lifestyle insurance. You ought to have adequate insurance to protect at the very least five several years of your present income if you are married. If you have children or several debts, you must have upwards of ten a long time salary's value of lifestyle insurance policy. Insurance policies will help your beloved ones to include expenses when you are long gone.
An insurance program is not a acquire-it and forget-it buy. You will require to revise your insurance plan as items alter in your lifestyle and you get older. Modifications in marital status, obtaining young children, or achieving retirement age are all motives to review your prepare and make changes.
Familiarizing your self with some typical daily life insurance policy phrases can support you decide which kind is very best for you, as effectively as how a lot coverage you want to acquire. Funds price refers to the portion of your coverage that is offered for you to withdraw as financial loans for various needs, this sort of as education and learning costs or credit history card credit card debt. A quality is basically the periodic payment that you make to maintain the policy active. Yet another phrase you may possibly see is dividends, which refers to the funds you might acquire back on your rates if the insurance business overestimated their costs and finished up with a surplus. A dividend is not assured.
Consider opting for a expression-lifestyle plan. This is known as the best and most basic choice for numerous Us citizens ages 20 to about 50. The cash-value daily life insurance policy policies can be a fantastic choice for wealthy people above sixty several years of age. For the common man or woman however, time period-daily life insurance coverage is a great option.
If at all attainable, you should try out to avoid start off-up companies and there existence insurance policy insurance policies. You just never know when a new organization is likely to chunk the dust and just take your expense with it. The insurance policy marketplace is really unpredictable and there is a opportunity even so modest that you could be a casualty.
If you intend on getting existence insurance in the potential, start planning for it, now. Take actions to improve your well being, this sort of as, quitting smoking. You can commence a health regimen and consider to reach your optimum fat. Have all the suggested health screening assessments for an individual of your age and gender. Work on receiving your cholesterol and blood stress to appropriate amounts. Not only will you appear and truly feel better, you'll help save a bundle on your lifestyle insurance policies coverage.
Purchasing your funeral plot in advance of your death will aid your family members conserve funds as soon as you happen to be gone. Unfortunately, spur-of-the-instant plot purchases bring out the unscrupulous nature of some in the funeral business, and a plot following death can price a whole lot more than a plot purchased properly in advance.
Acquire a phrase insurance program alternatively of a total lifestyle long lasting prepare. The latter will very last until the holder of the coverage dies. The other is obtained for a specified time period of time or until finally you get to a specified age. It is the the very least high-priced coverage that you can get because the premiums continue being the very same even though its held.
Make confident you pick the right kind of existence insurance for your present and long-term wants. Of the 4 main types, some insurance policies only go over you for a specific period of time of time although other people cover you for the remainder of your lifetime as prolonged as you hold quality payments recent. More youthful purchasers might want to start off with time period life insurance coverage which can frequently be transformed to entire daily life policies afterwards.
A two person daily life insurance coverage coverage is a wonderful option for married partners. This is a merged policy, not two different ones. The premium will be reduce for a joint, compared to a different plan. The protection would not demand change, as you would be provided the exact same issue for significantly less.
In conclusion, the much more you discover about a topic, the greater your benefits will be in the stop. As with weight loss, it truly is not as demanding as some believe if you use almost everything you learn about it. With all the suggestions talked about in the post, dropping fat will be much easier and more effective.


text:
YouTube decided, in the depths of its inscrutable algorithmic quasi-sentience, that I wanted to see what I'm showing as today's film. I'm not sure that I did, frankly, although it gives the same sort of dizzy separation from reality one gets with a brief whiff of nitrous oxide… and it certainly costs a good deal less! It doesn't have too much of the casual racism of it's day, either… but it is in there, so be warned; expect a moment of lurching stomach, about half way in. That caveat delivered, it's time for another trip to Cognitive Malfunction Theatre:
I find myself wondering if this, like the original run of Merrie Melodies from Warner Brothers, was meant to sell music.
Today's pen: Pelikan 120
Today's ink: Pelikan Brilliant Brown


text:
Holistic Body Harmony
We repair the body inside and out...
Holistic Counseling
Body Sculpting
RF Face
Cupping Treatments
Body Wrap
Massage Class
About Us
About Your Massage
Company Policies
Benefits of Massage
Holistic Health Practitioner
Pay Later
What is the RF (Radio Frequency)
Non surgical face lift and how does it work?
When we look at our face in the mirror, we are often confronted with a tired face looking back at us, it's not the way we feel inside, yet time and our natural ageing process conspires to give us these tired eyes and a droopy look, especially around our neck, cheeks, eyes and jowls.
Radio frequency is the latest technology designed specifically to treat areas of the face and body areas in need of rejuvenation.
Holistic Body Harmony's RF Face-lifter treatment uses unipolar and bipolar radio frequency modalities to heat our subcutaneous dermal tissue using various hand pieces emitting RF waves. This technology causes the contraction of your existing collagen fibers, encouraging fibroblast migration and promotes new collagen growth that helps to tighten and improve the outer architecture of the skin. In short we help stem and reverse the natural ageing process of your skin.
You'll see the lifting effect and feel how your skin becomes tighter, smoother, and more elastic.
There is no down time (apart from the treatment time itself) and minimal discomfort. It is a walk-in walk-out procedure which takes approximately 20 to 30 minutes.
What can a course of RF Face Lift treatments do for me?
The goal of the radio frequency face lift is to restore a more youthful look by helping to reverse the signs of ageing and gravity. The treatment achieves:
The tightening and smoothing of skin resulting in a reduced appearance of fine lines
and wrinkles.
The tightening of sagging skin around the jowls and neck.
A reduction in the appearance of double chins.
Improvement of skin laxity.
A noticeable improvement in skin tone.
Is this treatment right for me?
Every woman or man who would like their face to look younger or smoother without surgery is a candidate for this treatment. A person of practically any age can receive the treatment. Some clients have obvious ageing from mid 30's others do better with deeper lines and laxity not evident till the fifties. There is an advantage to starting a little younger (the forties) and planning an annual budget for maintenance.
What happens during this treatment?
Before the treatment starts the treatment area is lightly coated in oil to make the treatment more comfortable and to increase the hand pieces surface contact with the skin.
There is little discomfort during or after RF Face Lift treatment. There is a definite feeling of warmth in the skin at the area being treated. The hand piece used in treatment has it's own cooling module to help keep the treatment comfortable and the operator can cool the skin immediately when required.
How many treatments are required and how long are they?
We recommend a course of anywhere between 6 to 12 treatments (depending on the areas treated and your skins reaction to the treatment) for the most beneficial results. We also recommend a maintenance treatment approximately every 6 months after your initial treatment course to maintain the results.
How long before I see the results of the treatment?
Many clients have reported changes early in their course after 2 or even 1 radio frequency treatments but it is usual to have 4-6 fortnightly treatments before the results start to manifest.
1 - Session $99
6 - Sessions $360
12 - Sessions $540
Purchase Now


text:
KALLIS' TOEFL iBT Pattern Series designed to help you master all the skills necessary to excel on the listening portion of the TOEFL iBT exam. Develop test-taking strategies and master each type of question encountered on the TOEFL iBT listening portion, or jump straight to the Actual Practice and Actual Test section of the book and practice your listening skills. KALLIS' TOEFL iBT Pattern Series offers a variety of practice questions and quizzes, including: • 10 Actual Practices that combine skills developed in earlier chapters • 1 Actual Test that consists of a full-length TOEFL iBT listening test and a scoring chart. Visit our website kallisedu.com to access all of the associated recorded content.
Your Name:
Your Review:
Note: HTML is not translated!
Rating: Bad Good
Enter the code in the box below:


text:
From the Facebook group:
pray for Rob who has tremendous pain and self-loathing from childhood abuse and
is so depressed and suicidal. He's left the church and his marriage and home and
has no friends or support network. He's disabled and unemployed with no income
at all.
dear prayer family, pray for Mark, so consumed with self hatred and physical
miseries suffered over many years that he is ready to end his life! He has tried
many doctors without relief. He desperately needs our prayers.
pray for a fifth grader from Rockwall, TX that took his own life last


text:
Flashing NEW and HOT
Miss Universe
Congratulations to Miss Japan!! Riyo Mori was crowned Miss Universe 2007, finally some girl who is not from Venezuela, Brazil or USA (nothing against those girls) but there are a lot of different beauties all over the world!! After all the controversial this beautiful 20 years old girl won and the crown is in good hands!!
House Season Finale
I have been following this amazing show since it first started but it gets better and better each season... tonight is the 3rd season finale and i'm way too excited and wondering what the hell can make House question everything he knows!!! And he knows everything and he is sexy too!!! OK, its out there i said it!! :D


text:
Dark Grey Metal Window Sash Pull Painted White
For sale $ 10.00 OR ....
$ 10.00 SKU: GS_8-03523Members pay $9 ----- SAVE :$1
Login for your savings now, its FREE and EASY!
QUICK LOOK and PRINT-FRIENDLY :-)
Circa: Vintage
Condition: good, painted, cleans easily
Dark grey metal window sash pull painted white with a decorative design. Imprint on back reads, Patd Oct 31, 1871.
Dark Grey Metal Window Sash Pull Painted White
- Approximate Item Size in inches:
- Height: 1.25 inches
- Length: 2 inches
- Depth: 1 inches
- Approximate Weight: 0.1 Lbs.
Shipping: Approximate Package Size and Weight
- Height: 4 inches.
- Length: 8 inches.
- Depth: 6 inches.
- Weight: .6 lbs.
Fresh to market! at Green Spot Antiques – Twojjs, Cambridge, Ontario, Canada
Attention International Buyers: Packets to destinations OTHER than North America will take 6-8 weeks by Packets Surface post, and from 6-18 business days by Packets AIR post. If you require AIR shipping, please ask before purchase.
FREE Local pickup in Cambridge, Ontario
ATTENTION: Canadian buyers pay applicable HST taxes,
Tags:drawer pulls, Hardware, Pulls, sash pulls, window hardware, Windows


text:
Home > Hydration packs > Hydration packs
Camelbak Charge 10 LR Hydration Pack -
£84.99 £76.49
Save £8.50!
Camelbak Charge 10 LR Hydration Pack
An ultra-light, lumbar-based reservoir pack with MTB-specific cargo
- Resovoir Features: Antidote Lumbar Reservoir with 1/4 turn - easy open/close cap, lightweight fillport, patented Big Bite Valve, HydroGuard technology, PureFlow tube, easy-to-clean wide-mouth opening
- Key Pack Features:Ultra-light materials, lumbar reservoir compression, bike tool organizer pocket, stretch overflow storage
- Designed To Carry :Multi-tool, CO2 pump & cartridges, spare tube, extra layer, energy supplements, phone, wallet, keys
- CamelBak Got Your Bak Guarantee: If we build it, we'll Bak it with our lifetime guarantee.
- Hydration Capacity: 70 oz / 2 L Lumbar
- Total Capacity: 500 cu in /8L + 2L Reservoir
- Total Weight (Pack and Reservoir): 1.4 lbs / 635 g
- Dimensions: 20 x 23 x 6 in / 50 x 58 x 15 cm
- Torso Length: 17 in / 43 cm
- Back Panel: LV
- Harness: Ultra-light 3D Mesh Independent Suspension with Slider Sternum Strap
- Belt: Fixed 25mm / 1" with cargo pockets
- Fabric: 40D Diamond Ripstop & 230D Taffeta, 210D Nylon with DWR + 1000 mm PU + Silicone
Buy Camelbak Charge 10 LR Hydration Pack from Chain Reaction Cycles, the World's Largest Online Bike Store.
On sale at Chain Reaction Cycles
See all Hydration packs
ReviewsNo comments yet.
Add review
Type in required words separated by spaces to search across selected mountain bike stores. A space represents 'AND', so all the words you enter will be present in either the product name or category. Use - (minus) to exclude single words and * as a wildcard, eg. roc*. Words must be of 3 letters or more.
Includes: Chain Reaction :: Wiggle :: Evans :: Merlin:: Halfords