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St Louis Elder Law Attorney
30 Years of Legal Experience in Missouri
We are all affected by elder law issues at one point or another, either as we ourselves age or those we love grow older. If you are caring for your aging parents, grandparents, or other loved ones, our elder law attorney in St Louis, MO can help you take legal steps to protect their best interest.
An elder law attorney acts as an advocate for the elderly and their families, handling legal matters related to health care, guardianship, retirement, Social Security, Medicaid, long-term skilled nursing, and other key issues. To make sure your loved ones are protected, make sure you discuss your situation with our St Louis elder law attorneys at Wiseheart Kaiser Law Firm today.
Why choose Wiseheart Kaiser Law Firm?
- Our attorneys are compassionate and committed to our clients
- We offer affordable, quality services
- Our attorneys are also respected, legal educators
- More than 30 years of legal experience
- We are dedicated to providing clients with individualized attention
To schedule your
free consultation, call our St. Louis elder care attorneys
at (314) 966-2226
How Can an Elder Law Attorney Help You?
Our elder law lawyers at Wiseheart Kaiser Law Firm can help with various issues the older generation will typically face at some point in their lives. This can include help with nursing home care plans, managing finances, securing interests, and planning for the future.
While it is important to create an estate plan to protect your assets and your family, elder law covers many more issues. Many elderly people rely on the care of others on a day to day basis, whether that means in-home care, nursing home care, or the assistance of family members. It is important that your wishes be carried out in these situations.
A St Louis elder care lawyer can help ensure that your wishes are granted, your needs are met, and your health and finances are protected from those who might otherwise take advantage. This can include making legal plans for your long-term health care, asserting your rights as a patient, sorting out Medicare issues, creating a durable power of attorney, selecting a legal guardian in case of a health issue, securing housing opportunities, planning for living costs and other financial issues, and even filing nursing home claims.
Medicaid & Long-Term Skilled Nursing
Many families come to our firm needing help qualifying for Medicaid when they need skilled nursing services. In Missouri, Medicaid coverage is available to elderly residents under certain conditions and limitations, including the equity one has in their home, the amount of money in IRA and retirement plans, and with allowances to the maximum amount a person can receive. This often leaves many middle-class families with too much money to qualify, but too little money to take care of the costs of long-term care.
With appropriate planning, you may be able to protect your loved one's assets and ensure that they still qualify for Medicaid coverage for skilled nursing services. Eligibility requirements are complex, which is why it is beneficial to have an experienced attorney to help you through the process.
Wiseheart Kaiser Law Firm Is Here for You & Your Loved Ones
Whatever you are facing, our St. Louis elder law attorneys are here to help support you and your family now and in the future. Let our firm lend you the legal assistance you need. We will sit down with you and discuss your situation, guiding you through the potential options and appropriate documents.
Contact Wiseheart Kaiser Law Firm to speak with our St. Louis elder law attorneys.


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A drama about a visionary tech innovator who creates a cutting-edge crowdsourcing app to solve his daughter's murder, and revolutionize crime solving in the process. Inspired by the notion that a million minds are better than one, Silicon Valley entrepreneur Jeffrey Tanner, develops "Sophe," an online platform for publicly shared information he's certain will find his daughter's killer.
I managed to miss the first episode. Episodes 2 and 3 are a bit stilted and feel a bit preachy, but I'm willing to watch a few to see where it goes.
It seems like a relatively timely concept though they could do a better job explaining the science behind what they're doing. They do manage to do a reasonable job on the drama though.
I haven't read any of the recent articles on Jeremy Piven, but I'm a bit curious how long this series will last given his recent PR scrape. It seems relatively interesting and has some potential, but I'm not sure if it's got traction to go more than a season. If allegations pull on it, it may not make it very far. Piven is pretty good in the show, but I actually think he could be better if he removed his stereotypical "geek" glasses. They somehow drag on his performance.
I thought it was pretty funny that the series uses the fictional search engine "Chum Hum" which also appeared as a search engine in the CBS series The Good Wife.
Episode four delves into some interesting moral questions about technology and follows in the footsteps of Law & Order in their "ripped from the headlines" plotting. I'm curious if they'll follow some of the nebulous moral endings that Law & Order had as well?

subset: commoncrawl


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Policy-driven dynamic data filtering and masking for relational databases, on-premise and in the cloud.
The Axiomatics Data Access Filter for Multiple Databases derives user permissions from real-time evaluation of policies, and can filter, mask or redact data based on these same policies. Policy-based authorization applied on the content of relational databases provides the visibility and control required. Achieve data security protection at the very source, within the data layer itself. The Axiomatics Data Access Filter for Multiple Databases ensures that users have access to all the details they are authorized to see – and nothing else. This is standards-based ABAC for databases:
- Single point of access control management for database layer
- Enforces authorization in a non-intrusive way; application changes not required
- Minimizes risk exposure for data in transit
- Consistently enforces authorization across multiple channels/applications
- Ensures policies and control rules are in place by users accessing and extracting source data
Next generation database security from Axiomatics integrates data access control with corporate Identity & Access Management (IAM).
Suddenly IT security is becoming a business facilitator rather than a business prevention unit.


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1. Summary
The main points discussed in the meeting centered on various suggestions given by SEO people. The overall takeaway from the meeting was,
· Focus on the most important pages such as Make Model page, and ensure there is lot of content that is also fresh and original. For example populate the page with as much content as possible.
· Eliminate duplicate pages with same content
· Create as many internal site links within different parts of the website to improve page rank and user visits. For example create a number of cross links between classifieds and used cars
· Directory submissions and manual backlinking was strongly discouraged as it has only short term impact and it is not working smart.
· Overall, lots of SEO related tasks are there for cars and it was suggested to assign 1 technical resource focused on this task. Focus should be on website change and on –page optimization.
· Let SEO person review all new HTML pages for conformance to guidelines and best SEO performance
1.1 The Website
a) In the top secondary navigation New Cars, important to show top 5 brands
b) Under car segments – Group by Brands
c) Need a separate HTML page for Upcoming Cars
d) New Brands have been added that are missing
e) Need to cross sell Used Cars in New Car Pages
f) Include New Car Links in Used Cars
g) Changes in Make Model Page – Show more Variant related Specs on Make Model Page instead of just variant and price
h) Include User Comments on Make Model Pages
i) Implement Star Rating for Car Model Page
j) Star Rating for Used Car Listing Pages. This may not be so straightforward.
k) 404 Custom Error Page. Detect invalid urls and redirect
1.2 On Page Optimization
a) Tool for creating pages by keyword – Need to create N number of pages. If user searches with a combination of keywords, create a page to filter with those keyword criteria.
b) On Make Model page have Prices with Updated Date
c) Add more specifications to each model/make
d) Dynamic content on Make Model Page from Rivr
e) On the comparison page add links for popular comparisons grouped by brand for different make models. This will ensure that users have a static page for whatever comparison they search for.
f) Schema.org implementation for showing enriched data on google search page
g) RSS Integration
h) Image Sitemap – Last priority
i) Pagination on certain pages
j) H1 tag is duplicate in pages.
k) Eliminate Duplicate links – used car listing page. Multiple links for the same search results will reduce SEO strength of page. It was suggested to redirect all links to one link.
l) Add the following footer links on listing page in Ad Details page
1.3 Off Page Optimization
a) Publish News in News.google.com. Register as a news publisher
b) Dynamic Back linking should happen.
c) Directory Submission should not be done


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Topic Page: Blois
Administrative centre of Loir-et-Cherdépartement in central France, situated on the River Loire 55 km/34 mi southwest of Orléans; population (2005 est) 47,900. It is the seat of a bishopric and has a historic château. Industries include the manufacture of porcelain, jewellery, footwear, and chocolates. There is a strong trade in wine, timber, and grain, and the town is a major tourist centre of the Loire valley.
History Blois was founded in the 6th century; by the Middle Ages the counts of Blois were among the most influential feudal lords in France. In the 14th century, Blois became the seat of Louis, duc d'Orléans, grandfather of Louis XII. In 1498 the town passed to the French crown, and during the 16th century Blois was considered by many to be the second capital of France.
Château The original château was built in the 13th century, but in the 16th century it was rebuilt by Francis I with some Renaissance style-features. Later additions included Gothic and baroque features, and it became one of the great buildings of France. It was a royal residence from the 15th to the 17th centuries, and saw the births of Duke Charles of Blois and Louis XII (1462); the murder of the 3rd Duke of Guise (1588), who directed the St Bartholomew's Day Massacre of the Huguenots in 1572 (and was plotting with Spain to overthrow Henry III of France, who had him killed); the death of the French queen Catherine de' Médici (1589); and the imprisonment of Marie de' Médici by her son, Louis XIII, after two years of which she finally escaped.
Other buildings Although many ancient buildings were destroyed in World War II, some Gothic and Rennaissance buildings remain. The former abbey church of St-Nicholas is a fine building of the 12th century.
Pokrewne wpisy w Credo
Full text Article Blois
A French city on the River Loire. First mentioned in the sixth century, it was the seat of the powerful counts of Blois in the Middle Ages....


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Planning for relaxation in IndiaIndia includes tourism enthusiasts with its fascinating beauty of nature and the rich source of countless tourist destinations scattered across the country to enjoy their holidays in India. So if you plan to relax on your vacation then you visit India relieved by a special tour in South India. South India tour has a particular charm to offer an unforgettable experience.South India Tour plan South India is known for its unprecedented construction of magnificent temples, forts and witnesses famous for its rich tradition, culture and gastronomy. South India has many green forests offer a great opportunity for tourism wildlife. On your holiday in India, tour operators in Coimbatore will take you to a better touring experience south of India.Kerala-God's Own CountryThe most beautiful and popular of Kerala in the south of India place, known as the country of God. Kerala is the land of gorgeous green, where you can feel the presence of evergreen leaves of nature tree. Sponsored A green landscape with towering palm trees and cashew nuts, rice fields with dense tropical forests, misty peaks of mountains and deep valleys and attracts tourists from around the tour operators in Coimbatore.Tamilnadu-Land of TraditionThe next big attraction of tourists, besides Kerala Tamil Nadu, is a place that is truly blessed by the majestic grandeur of nature and can be termed as the "land of the temples" due to its unmatched dominance in temple design. Tamil Nadu is located in the south-eastern part of the peninsula of India. With a long coastline of the Bay of Bengal, which offers a wide range of flora and fauna, enchanting mountain resorts. India Tour Packages offers special packages to explore historical stories and wish to see ancient monuments. Festivals of south IndiaFestivals in India, including those in southern India are the main attractions. Various festivities of South India packages include Nehru Trophy Boat Race, Thrissur Pooram, Aaranmula Boat Race and Onam in Kerala and Kavadi Festival, Deepavali, Pongal, Karthiqai Deepam in Tamil Nadu.Important Worship places in South IndiaWorship places in South India, no less than a mini-world temple, is home to magnificent temples that are scattered everywhere. Known for its holiness trekking operators in Coimbatore is a spiritual place, containing meaning and complete beauty. Indian temples of the South are some of the rare examples of architectural beauty; They serve as true copies of the inspirational beauty for all art lovers. With various art forms and many attractive features of the temple here you are engaged and you will love it. They are the finest works of the masters, who have built immense work and devotion. Inducted by hundreds of tourists and faithful, temples of southern India remain full all year round.Popular beaches of South IndiaHome to the world famous beaches, South India is the best place for after unplugging the end of the hustle and bustle of the city. Blue, crystal clear sea as a backdrop of misty blue sky, clear will leave you spellbound. Walking on the sand; Lie take the sun lazy, watch the tide hit the bank, fill your pockets with shells left behind, watching the sunset from the beach and finally stopped asking their thoughts, South India of tour operators in Coimbatore beaches that give a Part of the best memories of his life.
Due to extra work required to remove the press-releases we have started charging $1.99 for press release removal.
Your press release will be removed in 24 hours, once the payment has been received.


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March 30, 2016
The disruption (threat from FinTech)
A Goldman Sachs research report in early 2015 estimated that a part of the traditional financial services' revenue ($4.7 trillion out of $13.7 trillion) is at risk of being displaced by new technology-enabled entrants which include FinTech players lending, wealth management, payments and others. The threat of FinTech is more real than before.
McKinsey's report The Fight for the Customer: Global Banking Annual Review 2015 reveals that as much as 40% of revenues and up to 60% of the profits in retail banking businesses – consumer finance, mortgages, small-business lending, retail payments and wealth management – are at risk from a combination of various factors such as dwindling margins and competition from FinTech startups which target origination and sales, the customer-facing side of the bank.
According to a recent research report published in March 2016 by PricewaterhouseCoopers (PWC) titled How FinTech is Shaping Financial Services, top banking executives fear that more than more than 20% of the financial services businesses will be at risk to FinTechs by 2020. If we look closely into the PWC report, the majority of the participants in the survey feel consumer banking & fund transfer and payments as the sectors mostly likely to be disrupted by 2020. The PWC report also reveals that disruption is expected in the asset management and insurance sectors.
Reasons behind this disruption
- Cost and quality of delivering financial services: FinTech players are looking to cut costs for customers and improve the quality of financial services as they don't carry the burden of regulations & branch networks and their expenses are low. Examples: Lending Club's ongoing expenses as a percentage of the outstanding loan balance is about 2% when compared to conventional lenders' 5-7%. Close to 50% of the loan applications Funding Circle gets from small businesses are received outside its working hours. Transferwise is less expensive compared to banks for sending money across borders.
- Consumer experience: FinTech startups have realized that dividing banking services into separate segments and specializing at least one of them is the best way to ensure maximum customer satisfaction and provide best consumer experience. For example, Betterment, a robot-advisor firm offers clients a goal-based approach; most of its customers have several targeted accounts from retirement funds or deposit for a house, with specific investment portfolios. To create the best customer experience, Betterment provides an integrated advice which is updated in real time. Robinhood, a FinTech startup became the first financial app to receive an Apple Design Award which enhances the way people view and interact with their investments.
- Innovative ways of assessing risk: FinTech startups such as Kabbage and One Deck leverage information which includes social media reviews to evaluate how small businesses are doing. Avant uses machine learning to underwrite consumers whose credit scores were hit during the financial crisis. Data-driven and algorithmic decision-making has clear advantages over decisions based on credit scores or meetings between banks/financial institutions and clients.
-Millennial effect: Millennial preference for the best customer experience, speed and convenience will accelerate the adoption of FinTech Solutions.
How can banks and financial institutions react to the disruption?
Banks and financial Institutions (FIs) are exhibiting a willingness to transform themselves by working with the FinTech ecosystem. They have adopted different ways to work with the new global FinTech (ecosystem) and those initiatives largely fall into two buckets: internal programs and open innovation initiatives.
To be successful in these initiatives, banks and FIs need to put in place a strategic roadmap to embrace innovation as opposed to being opportunistic. If they are in a hurry to take decisions which lack clarity because of the fear of missing out, it might have an adverse effect on them. For example, with respect to banks/FIs and startup relationships, bank/FIs must have clarity on the possible synergies that they share with the startup and a plan of action of working together. For example, BBVA has a lot of clarity in terms of its innovation process. BBVA is one of the few banks that has gone ahead and launched consumer-facing services using the startup's product Future Advisor to offer robo-advisor services to customers
To draw up a strategic innovation plan, banks need to answer these questions (and some more):
Not every bank or FI is at the same stage. We had discussions with many banks in the last one year; some banks that we talked to are still evaluating how to work with startups. They have done some work but are not at a stage where they can run an accelerator of their own because they don't know what they would do with the selected startups and how to integrate them into their products/services. A lot of it has to also do with the lack of talent to run such programs and the culture (especially in emerging economies).
Looking at all of these interesting developments around how banks and FinTech startups are working together, LTP has come up with an Innovation Readiness Index for banks. It is based on a careful study of 50+ banks across the globe where we talked to teams, looked at their current activities and their future plans. The following is a very high-level example of an external innovation mapping of a bank from the outside.
The above methodology is a very initial diagnosis that can be used to benchmark the efforts taken by banks in the past. The next stage will be to do a deep-dive analysis, and for that, LTP will conduct a workshop with the senior management of the banks. That will include finding answers to the questions mentioned in the beginning of the article. The deep-dive involves a look into both internal programs and external innovation initiatives. In this workshop, LTP will use the Innovation Readiness Framework. With the help of this framework, banks will be able to develop a roadmap for a holistic external/open innovation linked logically to internal programs.
What should startups do? I had written a long form article on that sometime back. You can read it here


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Jung Gwang-il, left, a former inmate in North Korea's political prisoner system who later defected to the South, talks about his experiences at a press conference in Seoul, Monday. Next to him is Kim Tae-jin, a North Korean defector and director of Free the NK Gulag, organizer of the event.
/ Korea Times
By Kim Young-jin
Among the many forms of punishment reported in North Korea's political prisoner system, Jung Gwang-il says he is still haunted by one in particular, called "pigeon torture."
The former prisoner who later defected to the South says he suffered from this brand of torture in 1999, when he arrived at the notorious Yodok prison camp on charges of espionage. In an underground cell, interrogators tried to starve and beat a confession out of Jung.
Finally, they bound his hands to a pillar behind his back so he could neither stand up nor sit down for days.
"After a day, my whole body was paralyzed," recalled Jung, who spent three years at Yodok, where tens of thousands are thought to remain. "Even if I screamed in the underground cell, people on the ground could not hear me. I soiled myself because they wouldn't let me use the toilet."
The punishment was one of many tactics used in the gulag system, according to Jung and three other detainees who testified about their experiences Monday at a press conference organized by rights group, Free the NK Gulag.
The North is believed to operate six labor camps where an estimated 200,000 are subject to extensive labor, torture and malnutrition. Pyongyang doesn't acknowledge the system, but it is thought to have operated it for up to sixty years.
Human rights activists say most are imprisoned not for committing a crime, but because a relative had been detained. Those who attempt to flee the communist country are also sent there.
Detainees are said to be subjected to hard labor from predawn until late in the evenings, producing such items as soy bean paste, candy and coal among others. Those who do not complete their work are reportedly not given food.
Kim Hye-suk said she was arrested at the age of 13 because her grandfather had defected. She spent nearly three decades in the prison system.
"I lost my grandparents, mother, brother, father and even my husband," she said. "They said we were criminals. But they never treated us like humans. They treated us like animals."
Kim Yung-soon said she was sent to Yodok for a "slip of the tongue," and the problem that consumed her existence was trying to find enough to eat.
"Rations consisted of a tiny amount of canned corn and field mice. You knew you were best off to catch whatever you could find," she said. Reports say prisoners eat grass and other vegetation to survive.
Representatives of Free the NK Gulag urged the international community to advocate the prisoners' human rights, calling for U.N. inspections of the camps, and for the North to produce a list of those being held.
The issue has come back into the spotlight in recent months on the back of a grassroots campaign to help Oh Kil-nam, a South Korean who moved to the North in the 1980s. He eventually escaped when the North sent him to Germany to lure more like him, but his wife and daughters are thought to be at Yodok.
Oh attended the press conference and reiterated his call for help in reuniting him with his loved ones.
Amnesty International says that only three inmates are known to have escaped the political prisoner system and that 40 percent of inmates die of malnutrition.


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RECT DRM Table Set (5/CN)
Table and stool frame made with bar shaped tubular metal in textured black color powder coat finish. Table tops are made with pine veneers in a planked and wire brushed effect that is finished in medium brown and accented with large recessed nails. Stool has scooped seat.


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Jackie Scott Ltd is a legal company specialising in residential and commercial conveyancing and regulated by the Council for Licensed Conveyancers. Whilst being a modern company, we are proud of our old-fashioned values. With our friendly, thorough and efficient approach, we are dedicated to providing a reliable and professional service to the local community and beyond.
At Jackie Scott Ltd, we understand that moving house can feel like more of an ordeal than it needs to. So we make sure everything we do makes the process as stress free and effortless as possible. We offer a fixed fee quote from the start so you do not receive any unwelcome surprises.
Whilst our fees are fixed, please note that we reserve the right to alter our fees if the matter becomes protracted or additional work is involved. We will inform you of any change to our fees at the earliest possible opportunity.
Mr A Keen
Mr P Sullivan
Mrs Goodwin
Mr Cutler
Dr J Macfarlane
Miss Evans
Jackie is a Licensed Conveyancer with more than 10 years experience in conveyancing. Jackie trained with a local firm in Chichester and worked hard to qualify at the age of 21.
After a brief sabbatical volunteering at a primary school in Kenya, Jackie returned to take up a post another local firm based in their Bognor Regis office.
Having moved away to experience the bright lights of Brighton & Hove, Jackie returned to the local area and is now looking forward to the new challenge of nurturing the business to grow into a thriving and successful practice, whilst developing a client base she can grow old with.
Jackie understands that moving house can be one of the most stressful life events and prides herself in dealing with transactions efficiently and effectively in order to achieve the best possible outcome - moving day!
74 Felpham Road,
Felpham, Bognor Regis,
West Sussex, PO22 7NZ
Tel: 01243 823090
Fax: 01243 949001
Email: firstname.lastname@example.com
Web: www.jackiescott.co.uk
Director and Licensed Conveyancer: Jackie Scott.
Jackie Scott Limited is a Limited Company incorporated in England and Wales, No. 10563028.
Regulated by the Council for Licensed Conveyancers No. 3200


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Please don't let this website die!!!!
Printable View
Please don't let this website die!!!!
For many years this was my favorite Web forum to hang out on.
I still drop in every other day when i can but my health too has taken a toll on me,i had to have 1 of my kidneys removed because of cancer and so far so good but you never know,also having a battle with type 2 diabetes,afib of the heart,so its been really nerve wrecking here the last 2 years.
I still come here. I recently started going through the mastering Maya Fundamentals course. Been so long since I worked in Maya, I'm having relearn almost everything.
How's the progress so far?Quote:
I recently started going through the mastering Maya Fundamentals course.
Any issues with using a newer software version than in the VTMs? :)
I'm about to start rigging the alien in The Abduction project. Only real issue was when trying to use the image sequence for the panel. I had to change the image names from "console_#.jpg" to "console.#.jpg" for the expression to work. There are some minor differences like some tools are in new locations, but nothing a little digging through menus can't solve. haha
@dinferno why not start a WIP progress thread. Would be especially handy for anyone else following with new software
I second the WIP thread. Even though I don't have Maya, maybe it would result in some traction in getting user interaction.
I don't think I've ever done a WIP thread. Let me see about starting one at the point where I'm rigging the alien. Considering I had to go through the help file to follow along with the lesson, I think that would be a good place to start. I had to stop for a short time, as there is a new baby girl in the house that is keeping me very busy haha.
I'm also considering going through some of the advanced modeling courses, but using Blender instead of Maya.


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Dynasty Recap and Review: "I Answer to No Man"
This week's episode of Dynasty picks up right where it left off but what started as a hostage situation ended with (SPOILER) Iris going on the run, Alejandro dying in the end, and Blake revealing that Fallon and Steven have an older brother. Now let's get into this episode:
Alejandro calls Blake via Fallon's phone and demands $15 million which later increases to $25 million. The circle of trust widens to include not just the Carringtons but also Culhane, Jeff Colby, Cristal, Sammy Jo, and of course, Anders.
Blake insists on handling the situation his way and stays calm and collected throughout the whole process but despite his insistence, Culhane tells Jeff about Fallon's kidnapping and he offers Blake $8 million dollars in cash adding on to Blake's $1 million, which is still $14 million short of the ransom price. But just to be clear, it's not that they don't have the money, it's just that they can't liquidate that much cash in the span of a couple of hours. Blake accepts the money but still shoos Jeff away and has Culhane keep an eye on him.
Alejandro demands that he and Blake meet in person alone with the cash at the airport with which Blake decides it's a good idea to bring a team of snipers. But his plans fall through when Cristal takes the money to meet up with Alejandro but ends up becoming a second hostage because there wasn't enough money in the bag.
When Culhane goes to visit Jeff, they start by trying to track down Fallon's porsche that Jeff got her for her birthday and they end with a full-out brawl between the two fighting over both Fallon and Monica. But despite the tracking of the porsche turned out to be a dead end, Jeff was apparently smart enough to plant a tracker in the bag of money and are able to track down Fallon and Cristal with Blake and the police following shortly after they arrive.
On the other side of things, Fallon is tied to a chair with zip ties and gets some of her hair chopped off, giving her a new set of bangs which she's super upset. We see a little bit more of Alejandro and Iris's relationship where he clearly has control over her and she's just letting him control her. Fallon points this out to her and Iris points out that Fallon has always worked under another man whether it was her dad at Carrington Atlantic or working with Jeff Colby at Morell Corp, which she takes pretty seriously as she tells Jeff that she'd like to Jeff out of the company or for him to buy her out so that she can truly be an independent woman all while Jeff is planning to propose to her. Now all of this is undoubtedly messing up Jeff's plan of eventually taking over the Carrington business so we'll just have to see if he's going to try to win her back or if he's going to come up with a new tactic.
To end the hostage situation, Cristal and Fallon get out of their zip ties using the gold hair stick in Fallon's hair and attack Alejandro and Iris when they get back. But through all the fighting, Cristal gets Alejandro away from Fallon using a lighter and some hairspray but Iris comes up from behind with a gun, letting Fallon get away. Alejandro and Iris take Cristal into a big truck to get them all from the police and in the ride to wherever it is they were going, Cristal convinces Iris to leave him and after some struggling, Iris shoots Alejandro, actually killing him this time.
But although the episode is full of high tensions, the big reveal came in the last few minutes of the episode when Cristal is tells Blake that she can't compartmentalize the same way he can with which he says that he couldn't lose another kid; apparently he and Alexis (AKA Fallon and Steven's mom) had a son before Fallon and Steven were born named Adam who was kidnapped when he was 6 months old. I'm guessing that they wouldn't bring this storyline up if one, Adam wasn't still alive and two, he wouldn't show up at one point or another. But this brings up a lot of questions which I'm hoping the writers will answer eventually.
Samantha Nguyen covers entertainment news for MFST. You can follow her on Twitter @sngyenthai
Samantha Nguyen
Latest posts by Samantha Nguyen (see all)
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- FBI Recap & Review: "Little Egypt" - September 26, 2019


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New Delhi, Oct 16 (IANS) With Reliance Jio revealing its second quarter (July-September), 2017-18, analysts feel that the results demonstrate that the business has maintained strong momentum since it started charging in April.
"Jio's maiden financial results demonstrate that the business has maintained strong momentum since it started charging in April, with continued growth in active and paying subscribers," global financial services company UBS said in its report here on Monday.
Reliance Jio posted standalone revenue from operations of Rs 6,147 crore for the second quarter on Friday.
"While reported ARPU (average revenue per unit) appears a bit higher than consensus expectations, management's commentary looks to suggest the company is targeting ARPU increases in the coming months. Churn rate was reported at 1 per cent with management pointing towards likely improvement in churn in coming quarters," the report added.
The subscriber base of the company as on September 30, 2017 stood at 138.6 million. Net subscriber addition during the quarter was at 15.3 million.
Total wireless data traffic during the quarter was at 378 crore GB and average voice traffic during the quarter at 267 crore minutes per day, the statement said.
Bank for America Merrill Lynch in a statement said "A key concern for the industry was if Jio fails to gain traction/makes losses then it would lead to continued high competitive intensity which would impact the overall industry profitability.
"However with Jio showing positive EBITDA (earnings before interest, tax, depreciation and amortisation) numbers in the first commercial quarter itself we believe that the risks of irrational competition reduce materially going forward. Indeed when Jio revises its tariffs upwards, we expect a material upward revision in the tariff to sustain a quarter-of-quarter improvement from the reported Rs 156 levels," it added.
"A positive margin was better than the market expected, but we believe it may take a few quarters for margins to normalize, since some costs may be getting capitalised," said Morgan Stanley analysing the EBITDA of the company.
Post Source: Ians feed


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There are two easy ways to book your flight to BMM using the convention rate. Book directly with the airlines (United or Delta), or call Jaya. When you book directly through the airlines, you may incur a ticketing fee.
*Please note that American Airlines and Southwest do not offer these discounts.
Book with Jaya
We're happy to do all the work for you! Call us and let us know you're attending BMM 2017. We'll be sure to get you the convention rate for whichever class seating you desire.
Call us today! http://www.jayatravel.com/contact/
Booking with Delta
To book by phone, call Delta Meeting Network Reservations at 800-328-1111. When prompted, provide the Meeting Code: NMQ9S.
To book online, visit www.delta.com/meetings. Click "Book Your Flight" and enter Meeting Code: NMQ9S in the box provided.
Booking with United
Passengers within the 50 US States & Canada:
To book by phone, call the United Reservations Meetings Desk at: 800-426-1122. You'll need to provide the Z Code: ZYDC and the Agreement Code: 842270.
To book online, visit: https://www.united.com/web/en-US/apps/booking/specials/meetings/default.aspx
In the box provided, type your Z Code followed by the Agreement Code with no spaces between. It should look like this: ZYDC842270. From there, you will be asked to input your personal information to complete the booking.


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Also found in: Dictionary, Thesaurus.
Related to broomcorn: broomcorn millet
broomcorn:see sorghumsorghum,
tall, coarse annual (Sorghum bicolor) of the family Poaceae (grass family), somewhat similar in appearance to corn (but having the grain in a panicle rather than an ear) and used for much the same purposes.
..... Click the link for more information. .


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Think about shopping for food. In effect, each of us tells our supermarket: "I'm not going to tell you when I'm coming to shop. I'm not going to tell you how much and what I'm going to buy. When I do shop, you'd better have what I want, or I'm going to fire you by taking my business elsewhere." That's a tall, uncompromising order, but it's filled so routinely that we think it nothing. If you think it's nothing, contemplate shopping in the former Soviet Union, a nation with the genius to compete with us in space and weaponry but a nation that couldn't hold a candle to our supermarkets.
The average American supermarket stocks over 20,000 different items. Who arranges all that? What's necessary to have those items on the shelves? Who and how many people are involved? The answer's easy: Nobody knows. The process defies comprehension. "C'mon, Williams," you say, "it's easy. The manager goes to a wholesaler and buys what he needs." If you think that's all there is, you trivialize the miracle.
Pretend Congress appointed you U.S. supermarket czar charged with making all the arrangements for Americans to have just one of those 20,000 items — bananas. How will you get people in Costa Rica, some of whom may not like Americans, to work hard to grow, harvest and ship bananas? What are all the arrangements necessary for the shipping crates?
Do you know how to make a chain saw or ax to chop down trees for the wood to build crates? What's necessary to mine iron ore so as to make nails and wire for the crate? Then we have to keep in mind that the bananas have to get from Costa Rica to the supermarket. That means ships and trucks are needed. What do you know about truck and ship building and navigation?
There are literally millions upon millions of inputs and people cooperating with one another to get just one of those 20,000 items to your supermarket. Somehow these inputs show up to do their job at the right time and right place, as if, to use Adam Smith's phrase, they are "guided by an invisible hand." All that good effort occurs without love and caring. The Costa Rican farmer, the crate manufacturer and the ship captain don't give a hoot about you, but you have the bananas as if they did.
The coordination that makes all those other items available at your supermarket is nothing short of a miracle. To think that one human being, or a group of humans, can possess the knowledge and information to accomplish the task is the height of human arrogance and conceit. That knowledge and information is widely dispersed across society in bits and pieces.
That's why top-down central planning always produces disappointments, shortages and bottlenecks. The banana czar might have remembered everything except a compass and the banana boat is lost at sea.
Think back to the '70s during our government-sponsored energy crisis. Our energy czar had some parts of our country awash with gasoline and home heating oil while other parts were dry. Better yet, how would we like our groceries to be delivered by the same people who deliver our mail?
The forces behind all that coordination and cooperation that put those 20,000 items in your supermarket are three simple things: prices, private property and human lust for more. That's the beauty and simple magic of markets.
COPYRlGHT 1995 CREATORS SYNDICATE, INC.


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Robin Hanson blames the voters.
Tuesday, April 19, 2011
Why do politicians lie so much?
posted by John Althouse Cohen on Tuesday, April 19, 2011
Tags: 2-liner, politics, robin hanson
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"He has a sensitivity to the limits of men knowing Truth
together with a courage to push those limits in many areas." — a reader
Robin Hanson blames the voters.


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'Housing crisis' has become part of Irish vocabulary in the last couple of years. But what are people talking about when they use the phrase?
Are they talking about rising rents? The increase in homelessness? The growing number of house repossessions? The lack of construction?
Unfortunately, Ireland's housing crisis does not involve a single issue, but represents a confluence of problems that have been growing under the surface for many years, and each issue exacerbates the others.
I will look at the issues individually, examining the background, the keys figures, the causes and the suggested solutions.
Our housing system is based on a three pillar system; home ownership, private rented accommodation and social housing.
Home Ownership
The majority of the Irish population own their homes rather than renting or receiving accommodation from the State. According to the National Economic and Social Council (NESC), 71% of the population were home owners in 2011, with 19% renting on the private market and 9% renting from a local council or approved housing body.
The NESC noted that home ownership was heavily promoted by Government policies such as mortgage interest relief and local authority loans.
The ECB economist Klaus Regling suggested that the Irish were "obsessed" with home ownership.
Many historians say this was as a result of our colonial past and having to pay tithes to English landlords. Others says that owning property was seen as a form of financial security or a future pension plan.
Whatever the reason for our 'obsession' with owning property, it is becoming clear that we will not be able to maintain such high levels of home ownership into the future. This is partly due to a lack of availability of housing, and partly because of the strict mortgage controls which have made it harder to get a loan to buy property.
Private Rented Sector
The number of people residing in the private rented sector has doubled in the last five years, from 10% of the population to over 20%.
This is due to two things: first, people are finding it harder to buy property and are therefore renting for longer periods.
Second, the Government has to a certain extent privatised its social housing programme. The Housing (Miscellaneous Provisions) Act 2009 recognised social housing as now including 'housing supports' which the Government provides.
Housing supports include rent supplement, the Housing Assistance Payment and the Rental Accommodation Scheme. All of these involve the Government paying to cover the rent for a claimant who is renting on the private market.
Social Housing
Local authorities are the main providers of social housing for people who cannot afford to buy their own homes. Local authority housing is allocated according to eligibility and need. Rents are based on the household's ability to pay.
If you qualify for social housing you will be put on a housing waiting list. However, there has been a chronic shortage of social housing.
Currently there are in excess of 100,000 people on the social housing waiting list, with some people waiting in excess of ten years.
1) Lack of Supply
Data from the Housing Agency shows that we need to build a minimum of 21,000 houses a year in order to meet demand.
However, figures from the Department of Environment indicate that we are only building about 11,000 houses a year. We will be about 4,000 housing units short of the estimated 7,000 units that need to be built in Dublin this and every year for the foreseeable future.
The lack of supply is being demonstrated in other ways:
- There are over 100,000 people on the social housing waiting list currently
- There are 4,000 homeless people
- Monthly rents in Dublin are just 2.3% lower than they were at the height of the boom
It was recently reported that there are currently no houses or apartments available for purchase in Dublin city centre.
Initially under Part V of the Planning and Development Act 2000 up to 20% of developments above a certain size had to be set aside for social and affordable housing.
However, Chief Executive of Threshold, Bob Jordan argues that:
Unfortunately there were too many get-out clauses in that legislation and the net result wasn't 20% or anywhere near it, it was more like 6%.
Ireland currently only has 9% of its housing supply as social housing or local authority housing, while England, for example, has 17%.
In the case of local authorities, there is almost a total lack of new supply because of borrowing constraints, and the fact that building costs are not covered by the differential rent.
Jordan argues that we fell behind in house building as a result of the recession.
Part of the bail-out programme was reducing capital spending and unfortunately housing took a massive hit… spending on social housing went down by 80%. The output of social housing went down by 90%, and that continued for seven years until recently. So we have had almost a lost decade in which virtually no social housing has been built and obviously we're paying the price for that now.
Bob Jordan on the cause of the housing crisis
2) Rising Rents
Taking into account inflation, rents in Dublin are at almost the same levels as they were during the height of the boom.
In the last year alone rents in Dublin have increased on average by 9.3%.
However Jordan says that this masks what people on the lower end of the market are facing.
50% of people coming to Threshold face a rent increase of €200-€400. To put this in perspective, such a rent increase means that a family on low income is expected to find an extra €3,000-4000 a year just to stay in their homes.
According the Threshold there has been a rise in 'economic evictions', where people are forced to leave their accommodation because they can't afford to pay the rent any more.
The Residential Tenancies (Amendment) Act 2015 amended the main legislation covering tenancies, the Residential Tenancies Act 2004.
Under Part IV of the 2004 Act you have security if you reside in a property for more than six months and you abide by the terms of the agreement, such as paying rent and not acting in an anti-social manner.
This security lasts until the tenant has been residing for four years, after which time the clock reset.
The landlord can terminate the tenancy for one of the following reasons:
- The landlord wants to sell the property within the next 3 months
- The property is no longer suited to the needs of the occupants
- The landlord or a family member wants to move into the property
- Vacant possession is required for substantial refurbishment of the property
- The landlord intends to change the use of the property
The 2004 Act provided that the landlord could only increase the rent once a year, with 28 days notice, and not more than the market level of rent for a similar property in the area.
This legislation only covered a tenancy in the private rented sector, and did not include renting from an approved housing body or renting when the landlord was also living on the property, among others.
The Amendment Act modified the reasons for terminating a Part IV tenancy. Where the property is going to be refurbished the landlord must include a copy of the planning permission, and specify the name of the contractor and the dates on which the works will be carried out.
If selling the property, the landlord must give a signed statement that they intend to enter into an enforceable agreement to transfer their whole interest in the property for full consideration.
Where previously the maximum amount of notice given for termination of a property any time after four year was 112 days, the notice now increases incrementally between 4 and 8 years. 224 days is the new notice period for tenancies which have existed for 8 or more years.
The Amendment Act put in place a temporary provision to allow rent increases only once every two years, and requires the landlord to give 90 days notice of an increase. It required that notice be in writing, and include three examples of similar properties in the area with the rent level sought.
It replaced all mentions of the 'private rented sector' with the 'rented sector' in order to include publicly owned rented buildings under the scope of the legislation.
It also provides for a deposit retention scheme, where deposits will be held by the Private Residential Tenancies Board rather than the landlord.
The Private Rented System isn't fit for purpose
Until recently the private rented sectors was seen as a place where people stayed for short periods of time. They were students, or people saving to buy a home or to move on to local authority housing.
While in the past renting was perceived to be transient, there are an increasing number of people who will be renting for the foreseeable future.
Unlike other countries where many people rent long term or for the entirety of their lives, the Irish system is built to be temporary. This is reflected in the legislation, where definite security of tenure only lasts four years.
Additionally, the Irish market is characterised by landlords who only own one property. They often buy these properties to increase their assets and try to cover their mortgages through rent. Currently two out of three landlords own only a single property.
These amateur landlords are often ignorant of the law or they will disregard it altogether. They do not have economies of scale. Where something goes wrong they are not familiar with the legal process to pursue tenants for unpaid rent, damage to the property, or where the tenant refuses to leave the property despite being legally evicted.
These difficulties make landlords more likely to leave the market in the long term, and to simply sell their property when it becomes profitable.
Therefore, the market is unstable for both landlords and tenants in its current form.
There are problems with the quality of the housing
We saw two high profile scandals where large blocks of housing turned out not only to be substandard quality, but also dangerous.
While we have legislation in place which is supposed to require minimum standards for property being rented, it is hard to enforce.
If a property does not meet the standards the tenant is supposed to refer the case to the local council. The council will inspect the property (which may take a while to happen depending on their backlog) and if repairs are to be made they will leave an Improvement Notice outlining the required changes.
If the landlord does not carry out these works, the housing authority may issue a Prohibition Notice, directing the landlord not to re-let the property until the breach of the regulations has been rectified.
If the landlord does not abide by the prohibition they then may be taken to court.
As a result of this long drawn out process not many landlords are held up for renting sub-standard accommodation.
Threshold suggest that properties should have to be certified as meeting the minimum standards set out in the legislation prior to being let.
Rent supplement limits do not match the cost of renting
Government have not raised rent supplement limits since 2013. They argued that increasing the amount of money provided would only push up rents further.
However, this has resulted in a rent supplement limit of €950-€1,000 for a family in Dublin when the average rent is over €1,300.
Currently, rent supplement will not cover the rent of 95% of properties.
It is even more problematic when you consider that under the law you are not allowed to top up your rent supplement.
Therefore, those who were already on the margins of the housing system have been pushed even further out.
The Government may reconsider limits now that there is a two year rent freeze.
3) Homelessness
As of 30 November 2015, there are nearly 4,000 people who are homeless in Dublin, according to the Dublin Regional Homeless Executive (DRHE).
According to Cathal Morgan, the Director of the DRHE, the biggest change in the homeless situation has been the number of families becoming homeless. There has been a 105% increase in families becoming homeless since the start of the year. On average 60-70 families become homeless every month.
Previously those who became homeless were referred to as the 'mad, sad and bad': people who became homeless due to mental health and addiction issues, relationship breakdown or a history of institutionalisation.
However, due to rising rents, the increase in home repossessions and the lack of supply of affordable housing, there has been a growing number of families who have ended up in emergency accommodation.
There are a number of different bodies responsible for dealing with homelessness
Morgan argues that part of the reason there has been a lack of building of social housing is that there is no one body in charge of housing policy or the construction of housing.
At the moment we have different institutions responsible for different elements of it. The Department of the Environment is the lead department. It has a housing division. The Housing Agency is there as well, which is kind of a support to the Department and to local government as well. And then you have local authorities and you have housing co-operatives and you have voluntary housing bodies as well. And then you have the private rental system. So that to me doesn't suggest coherence.
Cathal Morgan on the need for a long term housing strategy
The lack of social housing means that a large number of families are being placed in hotels
Of the 705 families who are homeless, 500 are currently living in hotel rooms which are being paid for by the State.
Morgan argues that not only is this financially inefficient, but it also have negative consequences for the families.
If you're in a hotel you can't cook for yourself, you're eating out all the time, you're making arrangements to send your child perhaps ten, twelve miles to school. So there's a lot of hidden costs … We can't deny the psychological and the physical aspects of being in homeless services are quite substantial for the households.
4) The Mortgage Crisis
As can be seen from the above graph, the amount of mortgage cases in arrears of over 90 days has been gradually decreasing.
Paul Joyce, Senior Policy Analyst with FLAC (the Free Legal Advice Centres), suggests that this is partly due to improving financial circumstances over the past twelve months, which are allowing people to start making mortgage payments again.
Additionally, the banks have been working with people to put together 'alternative repayment arrangements'. The most common repayment arrangements include temporary interest only payments, term extensions on the loan, arrears capitalisation and temporarily reducing the payments.
However, the amount of accounts in arrears of over two years has not budged.
Joyce says that "while there are some solutions that have been found… the longstanding intractable mortgage arrears cases are not being solved."
There has also been a steep increase in housing repossession orders granted by the courts.
In 2013 the number stood at just 244. However, in the first nine months of 2015 that number was more than four times as large, standing at 1,088 orders granted.
Joyce argues that the only reason the orders granted before 2015 weren't larger was because the banks didn't want to repossess homes which were in negative equity – where more was owed on them than they would have sold for.
Paul Joyce on the origins of the mortgage crisis
The alternative payment arrangements aren't necessarily sustainable
When a borrower falls into arrears, the lender is obliged to make every reasonable effort to agree any alternative repayment arrangement.
In theory the lender should take into account your personal circumstances, your overall indebtedness, your current and future repayment capacity and your previous repayment history. However there is no way of knowing whether the bank undertook a full assessment.
The bank then decides if it wants to offer you an alternative repayment arrangement. It is not required to offer any particular option.
The fastest growing alternative repayment arrangements is capitalisation of arrears. This involves a new, higher payment because there is a greater principal amount and more interest needs to be repaid. Obviously this is problematic as it involves the borrower or borrowers paying a greater amount than when the problem arose in the first place.
Joyce says "it's quite telling that one in every four capitalisation of arrears cases is "not meeting the terms of the arrangement"."
There has also been an increase in 'split mortgages'. This is where you split the amount owed in your mortgage in two e.g. instead of a €100,000 mortgage you have two €50,000 mortgages. The second part is 'parked in a warehouse' until a certain point.
This has the advantage of being more affordable in the short term, as you don't have to pay as much interest. But there is a large capital balloon payment that will have to be faced in the future.
There are a lack of fair procedures in the mortgage process
The mortgage resolution process, as set out under the Code of Conduct on Mortgage Arrears, should go as follows:
- Where a borrower defaults on their payments the bank will write to inform them of the default and to give them a specified period during which to pay.
- Where an account has been in arrears in excess of 31 days the bank will them examine the mortgage to see whether it is sustainable and offer an alternative repayment arrangement. The borrower can suggest an alternative but they only have power to accept or reject the arrangement the bank has offered.
- The bank can initiate legal proceedings if:
- They deem your mortgage 'unsustainable'
- They offer an alternative repayment arrangement and you don't accept it
- They deem you 'non-cooperating'
- If you mortgage is unsustainable or you reject the alternative repayment arrangement then the bank can initiate legal action after three months. If they deem you non-cooperating, which includes not replying to letters, failing to provide information within a reasonable amount of time, or not contacting the bank when you were in arrears for more than three months, then they can take legal proceedings immediately.
However, a recent Supreme Court decision has made it clear that even the above rules are not binding on lenders apart from the moratorium on legal action.
This creates a situation where there is no defence to repossession in legal proceedings except to argue that you don't owe any money or that it is not your property.
And while you can appeal a decision by the lender, they are not required to provide you with the information of what arrangements they considered and why they made a particular decision in your case.
Joyce says "You have a right to appeal but how do you appeal when you don't know the basis upon which the decision was arrived at? You would never get away with this in a court. And yet, in this private engagement between lender and borrower it seems that fair procedures can be short-changed."
Your mortgage can be sold on to a vulture fund
While there is very little legal protections when you have a mortgage with one of the banks, there is little or no protection where your mortgage is sold to so-called 'vulture funds'. Such vulture funds are not regulated by the Central Bank and therefore are not subject to any of the rules under the Code of Conduct on Mortgage Arrears.
Banks can sell on their mortgage portfolios to these funds. The borrower will still owe the remaining amount on the loan, but may be subject to increased interest rates which can't be challenged by taking a case to the Financial Ombudsman.
When asked how it can be legal to have your loan sold on to a different entity, Joyce explained that when there is a clause allowing it in the mortgage agreement.
Unfortunately the problem is when you enter into a mortgage agreement you agree to all of these things without necessarily knowing half… The terms and conditions always authorise the lender to sell that loan on to an entity of its choice. By signing all the paperwork you tacitly agree to that.
Currently the Sale of Loan Books to Unregulated Third Parties Bill 2014 is before the Oireachtas. The Bill would require the funds to comply with the Code of Conduct on Mortgage Arrears
The mortgage crisis is driving homelessness
Part of the increase in families becoming homeless is due to the parallel increase in the number of repossessions of houses, the majority of which are primary homes.
Additionally, a large proportion of landlords bought property during the boom and ended up renting out the property in order to pay their mortgages.
This has lead to a scenario where if a tenant cannot afford to pay their rent or to pay a rent increase this can have the knock-on effect of causing the landlord to be unable to pay their mortgage.
The law surrounding repossessions of property where a tenant is already residing is murky. Often there is a clause in the mortgage agreement between the lender and the borrower which allows them to force a tenant out to get vacant possession of the property.
So where a borrower fails to pay their mortgage this can have the effect of making their tenant homeless.
It's harder to get a mortgage
The new mortgage controls require the mortgagee to provide 20% of the mortgage upfront as a deposit, subject to exceptions. You will not be given a loan of more than 3.5 times your income (or shared income if you are borrowing with another person).
The creates two distinct problems. The first is, given how expensive rent is currently, it is hard for anyone to save up the amount required for the mortgage deposit.
Second, according to the CSO, the median Irish income is €28,500. So if you have a couple who are both earning this average income they would only be able to get a mortgage to the value of just under €200,000. But the median house price in Dublin is €400,000.
The Central Bank has said they will reconsider the lending controls in November of this year.
As we can see, all of the problems are inextricably linked.
The lack of supply has lead to increased competition between renters and therefore an increase in rents. Homelessness is mostly being driven by the increase in rents, which has resulted in people being economically evicted. The mortgage crisis is causing families to become homeless, and tenants are being evicted by banks where properties are being repossessed.
But all of these current and pressing issues also mask a number of underlying problems that existed in the system even before the recession.
We don't have a funding model which ensures the supply of housing: While the recession and the cut in funding for building social housing are a large part of the problem we're seeing today, even before the bail-out programme we were not producing enough social housing. Local authorities were not getting enough money from the differential rent being paid by tenants to fund, or even maintain, the social housing stock.
We also relied heavily on private investors to provide us with housing under Part V of the 2000 Act, but this failed to produce even half of what was required.
We need to find a way of funding the production of housing that is politically feasible, but doesn't rely completely on private interests.
Our social model is subject to market cycles: The Government's opposition to raising the rent supplement shows that they are sensitive to the market and the sudden swings in the cost of rent. And as a big player in that market, the Government's decision to change the amount of rent supplement offered can influence the cost of rent.
This negatively effects Government when we're doing well economically and the cost of property increases. It also negatively effects Government when more people are reliant on social welfare and they therefore have to pay out more. Right now we have the worst of both worlds.
We have an outdated private rented sector: The private rented sector has doubled in five years, and before the end of this decade it is quite likely that one in four Irish people will be residing in rented accommodation.
However, we currently don't have security of tenure, and we also don't have a way of ensuring good quality, affordable housing.
Our focus should be on keeping people in their homes: Paying to put families up in hotels is not only expensive, it also causes health and psychological problems for those families.
We need to figure out a long term strategy to avoid another homeless situation similar to the one we have currently.
The mortgage process leaves borrowers at the mercy of lenders: The legal process surrounding mortgages does not provide borrowers with any clear information as to what to expect from their lender, and what their rights are.
Overall, there has been a lack of joined up thinking, or a coherent policy which addresses all of the areas. We don't have one specific housing body. We don't have a clear way of funding the housing system. We don't have a way of ensuring that everyone will have affordable and good quality housing. Ultimately, the lack of a strategy or plan for the future has resulted in the housing crisis which we are experiencing.


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The most popular TV show set in Connecticut
With TV bigger and more widespread than ever before, it looks like every state in the union is getting its due.
We decided to make our own list of the most popular TV show from every state.
We left out reality shows unless we couldn't find a popular enough series. Selections were based on each show's longevity, critical acclaim, awards, and lasting cultural impact.
In Connecticut, you may be surprised to find that the favorite is not the newly re-popular "Gilmore Girls." While "Gilmore Girls" has been on people's radars lately after being picked up by Netflix and now talks of a revival, the real winner in Connecticut is the soap opera-parady, "Soap."
Did we get your state right? Let us know in the comments if you have another suggestion.
ALABAMA: "Any Day Now" (1998-2002)
Lifetime via YouTube
Network: Lifetime
Seasons: 4
The hour-long drama followed the friendship between two girls of different races during the Civil Rights movement of the 1960s.
The series flashed back and forth between the two women, Mary Elizabeth O'Brien Sims (Annie Potts) and Rene Jackson (Lorraine Toussaint), during childhood and as adults.
ALASKA: "Northern Exposure" (1990-1995)
Northern Exposure / YouTube screencap
Network: CBS
Seasons: 6
What started out as an eight-episode summer series, gradually turned into a popular staple on the network.
The two-time Golden Globe winner followed Dr. Joel Fleischman (Rob Morrow) as he's forced to move his practice from New York to Cicely, Alaska to complete scholarship requirements from college.
ARIZONA: "Medium" (2005-2011)
Netflix screenshot
Networks: NBC / CBS
Seasons: 7
Patricia Arquette plays a medium who uses her powers to speak with the dead and see future and past events to help solve police investigations.
The show aired its first five seasons on NBC before airing two final seasons on CBS. Arquette won a Primetime Emmy for her role in 2005.
See the rest of the story at Business Insider
See Also:


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Dr Caroline Eyles PhD, MA
Senior Research Fellow
Dr Caroline Eyles is Senior Research Fellow within Medicine at the University of Southampton.
Caroline has been involved in research at Primary Care and Population Sciences since 2004. Her research interests focus mainly on the use of delayed antibiotic prescriptions in Primary Care, consultation styles, patient/practitioner relationships and the self-management of symptoms in long term chronic conditions.
Caroline has considerable experience in qualitative research methodology. As a methodologist she is involved in a wide range of studies within many health care settings, and is also involved in the running of the PCPS qualitative methodology group.
Caroline is also a Senior Qualitative Research Adviser for the Research Design Service South Central (RDS SC) and is also the Public Involvement Lead.
She completed her Master's degree (MA) in Health Education and Health Promotion (Nottingham Trent University) in 2001, and completed her PhD in 2009. The PhD was a grounded theory of homeopathic practitioners' experiences of the consultation (UoS, Examined by Dr Charlotte Paterson & Dr Judith Lathlean).


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By admin on July 19, 2017
The Saturators are proud to announce we've been summoned to open for the legendary Cannabis Cup Reggae All-Star band – LIVE at Brooklyn bowl
We hit at 8pm SHARP so come through!
By admin on May 27, 2017
The 2nd single off "WetMusic" available now with a release by SofarSounds and Live for Live Music
Available for purchase here on Bandcamp
Listen + Watch
By admin on October 16, 2016
Ladies and Gents, We're proud to present the VERY FIRST single off our forthcoming #Wetmusic EP
Listen on Soundcloud – Buy on Bandcamp
Stacks by The Saturators
By admin on October 9, 2016
The band is officially dropping our VERY FIRST SINGLE! – this Friday at Arlenes Grocery with Woolly Mammals!
Doors at 7:30 PM
We're on at 8 PM sharp!!!!
Event Link HERE
Tickets available HERE
By admin on June 25, 2016
The band is PROUD to announce it will be performing at Pianos in NYC JULY 13th for pop-artist Janna Pelle's July Residency
check it!
Ticket/Invite Info
Email address:


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This was a tough one! I read so many great books this year, and I chose the top ten not on any official scale of literary quality but just on what lingered with me the longest — which books, when I scrolled back through the year's reading list, evoked a reaction of "Yes! That one was great!" or "Wow, that really made me think!" I was left with a handful of novels whose characters still haunt me, a couple of memoirs — one about failure, one about addiction in the family, one about trying to follow the Bible when you don't believe in it — and a few other books on topics I care passionately about.
The top five spots on the list were easy — no question about those. The bottom five were much more hotly contested because there were probably another three or four novels that could have gone into those spots, and I really had to wrestle with which ones to choose. It's always a bit of a judgement call.
I'm having a little trouble adding up and making the numbers come out evenly, but let's say this year I read and reviewed about 60 novels and 20 non-fiction books (although a few of those were "old favourites," which makes them ineligible for the Top Ten list as that has to be books I read for the first time this year). I read 38 books by men and 42 books by women — much closer than usual, since I generally read considerably more by women. I must be discovering more good male authors.
Some other interesting observations: I read three times as many novels as non-fiction books, but the final list is half-and-half fiction and nonfiction. I think I read so many novels that a lot of them are bound to be "just so-so," whereas I don't usually pick up a nonfiction book unless I've heard good things about it or have some reason to suspect I'll like it.
Without further ado, my top ten picks are:
1. Home, by Marilynne Robinson
2. Me, Myself and Bob, by Phil Vischer
3. Jesus for President, by Shaine Claiborne and Chris Haw
4. Gilead, by Marilynne Robinson
5. The Year of Living Biblically, by A.J. Jacobs
6. Beautiful Boy, by David Sheff
7. Atonement, by Ian MacEwan
8. The Girl Who Stopped Swimming, by Joshilyn Jackson
9. In the Realm of Hungry Ghosts, by Gabor Mate
10. Skin Room, by Sara Tilley
Now, what you really want to know is: how can I win one of these books? Click here to go to the contest rules on my main blog, Hypergraffiti.


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My name is Thomas. I am a 22 year old software developer based in Livingston, Scotland. I recently graduated from Heriot Watt University with an Honours degree in Computer Systems.
I have a passion for programming and in particular Android and web development. I live in Livingston, West Lothian, Scotland and have done for the last 20 years.
I am currently working for Novarum DX. We make high quality, cross platform applications which utilise smartphone cameras to read lateral flow tests. To see my personal work, and my other programming projects, go to my portfolio here. To contact me about any prospective work, you can use any of the methods in the contact me section.
My other interests include photography and football. I currently coach a Under-14s football team in Livingston.
Please feel free to contact me in any way stated below. For any work enquiries, please contact me via email and I will respond as soon as I can.


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LITE version ($2.99) there is one module for each setting. More modules can be purchased for $1.99 each. The FULL version ($12.99), comes with all 10 of the currently available modules. Future modules will be $1.99 additional purchases. The idea of being able to purchase modules individually is an attractive option for someone who does not want to plop down $60-90 for a full app or piece of software.
What I like about this app: It gives good examples of expected and unexpected behaviors that commonly occur in these settings. Each module presents various clips of situations (Table Talk - cafeteria scenes, etc.) that are likely to occur in that setting. Each clip is followed by 1-2 questions to check for understanding of the concepts. A reinforcer is played for correct answers. The reinforcers are appropriate for young kids. Each module displays various problems, examples, and expectations that might occur in that setting.
I have used these modules in working with both individual clients and in some of my small social groups. We watch a clip, answer the questions, and often will launch out into further discussion of our own experiences with similar situations. The clips fit nicely with social skills training ideas. I look forward to new modules, I am sure I will be purchasing them all. It is a great and easily accessible resource. It is not terribly expensive. Everyone likes those kinds of resources!
Here is a link to the website for more details: Social Skill Builder App