text:
Terms and Conditions
- BANK – shall refer to Equicom Savings Bank
- CARD – Credit Card issued by the BANK to all qualified applicants, whether principal or supplementary.
- CARDHOLDER – collectively refers to both principal and supplementary cardholders, if there are any.
- PRINCIPAL CARDHOLDER – person who applied for the issuance of a CARD and to whom a CARD is primarily issued.
- SUPPLEMENTARY CARDHOLDER/s – person(s) who is/are issued a CARD/s upon the request of the PRINCIPAL CARDHOLDER.
- SUPER CHECK – a checking facility linked to the Equicom Credit Card. This allows authorized CARDHOLDERS to issue checks up to 100% of the CARD's available credit limit. Terms and Conditions apply.
- EQUICOM INTERNET CREDIT CARD- Card provided by the Bank to the Cardholder which the latter may use for online purchases only.
2. MEMBERSHIP AND ANNUAL FEE – the PRINCIPAL CARDHOLDER shall pay fees for all CARDs issued to all CARDHOLDERS in such amount as may be determined by the BANK.
3. RESPONSIBILITY OF CARDHOLDER – In compliance with Bangko Sentral ng Pilipinas (BSP) Circular No. 472 as amended by BSP Circular No. 549 and 622, a copy of the Income Tax Return (ITR) shall be submitted by the PRINCIPAL CARDHOLDER annually.
As required by Republic Act No. 8484, PRINCIPAL CARDHOLDER shall immediately notify the BANK of change of his residence, office or mailing address via electronic mail/fax/regular or registered mail. Otherwise, the BANK shall implement immediate suspension of his credit card privileges. The monthly Statement of Account (SOA) shall be mailed by the BANK to the last reported mailing address of the PRINCIPAL CARDHOLDER. The SOA may also be sent through electronic mail to the email address provided by the PRINCIPAL CARDHOLDER.
The CARDHOLDER shall be responsible in ascertaining the amount due for the payment period. In case of non-receipt of SOA either through private courier, registered mail or electronic mail, CARDHOLDER must immediately inform the BANK and inquire the amount due which must be settled and paid on or before Payment Due Date. The CARDHOLDER agrees that the obligation to ascertain and pay the amount due on or before Payment Due Date is not in any manner dependent on the receipt of the SOA. Thus, whether or not the SOA is received, the PRINCIPAL CARDHOLDER is responsible to pay the outstanding balance or the minimum amount due.
4. CREDIT LIMIT – Upon approval of credit card application, the PRINCIPAL CARDHOLDER will be assigned a CREDIT LIMIT expressed in local and international currencies (Philippine Pesos and US Dollars) which represents the maximum allowable outstanding balance on all of the CARDs, inclusive of Cash Advance Limit. The Cash Advance Limit is a percentage of the CREDIT LIMIT and may be changed by the BANK at any time without prior notice to the PRINCIPAL CARDHOLDER. The BANK may, at its sole discretion, assign a special Installment Plan Limit, expressed in local currency (Philippine Pesos), which also forms part of the CREDIT LIMIT. Such installment Plan Limit shall form part of the maximum outstanding balance of purchases that the CARDHOLDER may be allowed at any given time. The corresponding add-on interest on Installment Purchases is part of the CARDHOLDERS' Installment Limit.
The PRINCIPAL CARDHOLDER agrees to monitor his account balance and is solely responsible for ensuring that it does not exceed the assigned CREDIT LIMIT. Should the outstanding balance exceed the approved CREDIT LIMIT at any given time, the BANK reserves the right to decline any transaction and/or suspend the credit card privileges of the CARDHOLDER. The excess amount shall be considered immediately due and demandable without need for further notice or demand.
The BANK may at its sole discretion, increase or decrease the PRINCIPAL CARDHOLDER's CREDIT LIMIT, whether during the effectivity of the CARD or upon renewal. The CARDHOLDER shall be notified of such increase or decrease through a written notice or by reflecting the same in the SOA. Should the CARDHOLDER object to said increase or decrease, the CARDHOLDER may terminate the credit card facility in the manner set forth in Section 33.
5. SUPPLEMENTARY CARDHOLDER – The PRINCIPAL CARDHOLDER may request for SUPPLEMENTARY CARD/s with corresponding spending sublimit/s for straight transactions. In case the PRINCIPAL CARDHOLDER does not assign a spending sublimit, the SUPPLEMENTARY CARD/s will share the same credit limit as the PRINCIPAL CARDHOLDER. The PRINCIPAL CARDHOLDER shall be liable for all the charges made on the CARD by the SUPPLEMENTARY CARDHOLDERs, including interest and non-refundable fees and other charges. Should the PRINCIPAL CARDHOLDER request for cancellation of the SUPPLEMENTARY CARD/s, he agrees to pay and be liable for purchases made on the CARD/s even after the request for cancellation thereof and until such time that said CARD/s shall have been actually surrendered, thus preventing its further use.
6. ISSUANCE OF ANOTHER CARD – Principal CARDHOLDER agrees to the issuance of another CARD if deemed qualified.
7. STATEMENT OF ACCOUNT – the Statement of Account (SOA) showing the transactions and balances in relation to the CARD will be furnished to you. If no error is reported by the CARDHOLDER within 20 calendar days from statement date, it shall be considered correct and binding. As a rule, only an electronic copy of the SOA shall be furnished to YOU (1) through the e-mail address YOU provided to BANK in relation to the CARD. A printed/paper copy of the SOA shall be furnished to the YOUR billing address only when YOU (1) did not provide any e-mail address and (2) did not set SOA delivery preference to electronic SOA or (3) opted-out to receive an electronic copy of the SOA and reverted to receiving printed/paper copy of the SOA. YOU may revert to receiving printed/paper copy of the SOA at any time by calling Equicom 24/7 Customer Service. In any event, BANK, at its sole discretion, may send a printed/paper copy of the SOA to YOUR billing address whenever it deems necessary.
All written communications, requests or reports on any error in the Statement of Account by the CARDHOLDER must be sent by registered mail, fax, email or courier delivery to the BANK and should contain the following information: (a) name and card number of the CARDHOLDER; (b) amount of the error; (c) a description of the error; (d) signature of the CARDHOLDER and all other pertinent documents must be submitted to the BANK via mail, fax, email or personal delivery within twenty (20) days from receipt of statement. Should the CARDHOLDER fail to submit the required documents, the BANK has no obligation to process the dispute.
CARDHOLDER agrees that in the event of any reported error or fraudulent transaction, BANK reserves the right to make a correction in the SOA only after investigating and confirming such error or transaction within reasonable time.
8. MINIMUM AMOUNT DUE – this is computed as 5% of all the purchases, installments and advances or PhP500.00/US$50.00, whichever is higher, plus, interest and other charges such as, but not limited to annual fees and cash advance fees. Any change to the required Minimum Amount Due shall be reflected in the SOA furnished to the CARDHOLDERS.
9. CARD PAYMENT – CARDHOLDER agrees to pay the Total Amount Due or an amount equal to or more than the Minimum Amount Due on or before Payment Due Date stated in the SOA. If the last day of payment falls on a weekend or Holiday, the Payment Due Date is the next banking day after said payment date. Payments can be made in cash or check. Check payment becomes part of the available credit limit only after the funds are cleared.
For payment of US Dollar billings in Philippine Peso, BANK's selling rate for the day will be used for conversion.
The amount of payment on the CARD is made available and will form part of the credit limit on the banking day following any cash payment provided that payment was made directly at any of the BANK's branches. A posting period of at least three (3) banking days shall apply to payments made at any accredited payment center. Existing banking regulations on the acceptance and clearing of check payment shall likewise apply.
10. INTEREST ON MINIMUM PAYMENT – If the CARDHOLDER pays less than the Total Amount Due but more than or equal to the Minimum Amount Due on or before the Payment Due Date, an interest for Peso and for USD billings shall be determined and imposed by the BANK. The minimum payment interest will be computed based on the Revolved Amount composed of remaining unpaid balance from the previous billing statement, all new transactions/purchases except cash advances and any installment transactions posted within the statement period. Cash advance transaction will be subject to the prevailing monthly Cash Advance Charge and Cash Advance Service Fee. The revolved cash advance and installment transactions shall form part of the next month's remaining balance. The CARDHOLDER authorizes the BANK to change the interest rate and charge additional fees as may be deemed necessary to maintain the credit card service to the CARDHOLDER. Payments made during the billing cycle shall be deducted from the outstanding balance being subjected to interest on the date the payment is made. The BANK may vary the interest rate for certain customer segments as it deems fit.
11. LATE PAYMENT CHARGE – If the CARDHOLDER pays an amount less than the Minimum Amount Due on or before the Payment Due Date or pays after the Payment Due Date, the CARDHOLDER shall pay late payment charge for Peso and Dollar balances computed based on average daily balance. The rates shall be determined by the BANK and are subject to change without prior notice.
Only cancelled accounts are eligible for refunds. For active accounts, no refunds shall be allowed. Overpayments to the credit card accounts will be applied to future usages and shall not earn interest.
12. OTHER FEES/CHARGES – The CARDHOLDER agrees to pay the following related fees prescribed by the BANK, subject to change following notice to be given to the CARDHOLDER in a manner which the BANK deems proper.
- All Cash Advances made through the use of the CARD shall be subjected to Cash Advance Interest and Service Charges as the BANK have prescribed at the time advances are made. Such advances, interest and service charges shall be for the account of the PRINCIPAL CARDHOLDER whether the CARD may have been lost and/or used by another person.
- Lost and Spoiled Card Replacement Fee will be billed to the Card account as soon as the request for replacement is received and processed by the Bank.
- Sales Slip/Cash Advance Slip Retrieval Fee.
- Returned Check Fee, without prejudice to the BANK's right at any time to take the appropriate legal action, the bank may charge fees for any returned check drawn by the CARDHOLDER in full or partial payment of any amount due under these Terms and Conditions.
- Statement retrieval and delivery fees.
- Monthly Maintenance Fee to be applied to cancelled accounts with outstanding credit balances.
- Super Check Service Fee – service fee charged to the CARDHOLDER based on amount issued.
- Super Check Booklet Reorder Fee – amount charged to the CARDHOLDER for check book re-order.
- Super Check Returned Check fee – fee charged for returned Super Check plus applicable Philippine Clearing House Corporation (PCHC) for such occurrence.
- Promo Charges- amount charged due to the availment of certain promos as defined in the promo mechanics.
13. AUTHORITY TO DEBIT DEPOSIT ACCOUNT – The CARDHOLDER may opt to authorize the BANK in writing to charge the amount due on his CARD account against the CARDHOLDER's deposit account or any funds with the BANK by means of an automatic debit arrangement. In case of insufficient funds, the BANK has the right to debit the minimum amount due only. For this purpose, said authority includes the Cardholder-Depositor's waiver of the secrecy of deposit.
14. SERVICE FEES FOR FOREIGN TRANSACTIONS – Transactions made in Foreign Currencies other than U.S. Dollars will be converted to U.S. Dollars based on the brand/association's foreign exchange rate. It may differ from the rates in effect on the transaction date, increased by processing/service fee of 2%. Same fees shall also apply to transactions which the Cardholder has opted at point-of-sale to be billed in Philippine Peso or transactions executed at merchant local currency but processed outside the Philippines.
15. REWARDS PROGRAM` – The CARDHOLDER is eligible to participate in the BANK'S Rewards Program which is called the EQUICOM KEY POINTS REWARDS PROGRAM. It is the responsibility of the CARDHOLDER to monitor the balance of the EQUICOM KEY POINTS REWARDS GIFT CARD. Terms and conditions of the Rewards Program will apply.
16. DEFECTIVE PRODUCTS AND SERVICES – The CARDHOLDERS shall not hold the BANK responsible for any defective or non-delivery of any product or service purchased through the CARD. Any complaint as to the quality of the goods purchased or services rendered through the CARD shall be referred to the merchant and shall not affect the CARDHOLDER'S obligation to pay the outstanding charges, or to continue paying the Installment Billings to the BANK.
17. ITEMS PURCHASED ON INSTALLMENT – The CARDHOLDER hereby acknowledges that the beneficial title to the goods purchased through installment, including any and all replacements, accessories and accessories thereto, shall remain with the BANK until the total installment price is paid in full. The CARDHOLDER shall, in the meantime possess and hold the same in trust for the BANK.
The CARDHOLDER undertakes not to alter, return, pledge, mortigage, sell, assign, pawn, lease or part with the possession of goods without prior written consent of the BANK and until full payment of the total installment price, including all other charges that may arise out of the purchase.
Availability of the installment program with the merchants and branches is the discretion of the BANK and the BANK reserves the right to change the line-up of partner merchants participating in the program from time to time.
18. CARD REPLACEMENT – The BANK has the sole option to replace the CARD upon expiry or as may be necessary. This may include change of CARD number and/or expiry date. It is the CARDHOLDER's responsibility to advise merchants with payment arrangements regarding the change in CARD number.
19. DISHONORED CARD – The BANK shall not be responsible to the CARDHOLDER if for any reason, the CARD is not honored by VISA merchants. The CARDHOLDER agrees to hold the BANK free and harmless from any liability as a result of the failure of any VISA merchant to honor the CARD.
20. ACCOUNT SUSPENSION – Should the CARDHOLDER default on his monthly payment or the outstanding balance of the CARD exceeds the assigned CREDIT LIMIT either due to over utilization of the CARD or due to the imposition of the monthly interest charges or annual fees, the use of the CARD shall automatically be suspended. For CARDHOLDERS with multiple principal CARD accounts issued under their name, a suspension of one account shall likewise result to the automatic suspension of all related accounts. The BANK shall have the sole option to lift the suspension on these accounts upon either full or partial settlement as prescribed by the BANK. The CARDHOLDER shall be notified in writing seven (7) days before an account is endorsed to a collection agency.
21. DEFAULT – The CARDHOLDER shall be considered in default in any of the following events:
- The failure of the CARDHOLDER or the SUPPLEMENTARY CARDHOLDER(s), if any, to pay at least the Minimum Amount Due up to the next billing cycle;
- The CARDHOLDER fails to pay on the Payment Due Date any of his payment obligations on one or more CARDS and other credit facilities including the SUPPLEMENTARY CARD(s);
- The CARDHOLDER's or SUPPLEMENTARY CARDHOLDER(s)' outstanding availments exceed his/ their credit limit;
- Any creditor tries, by legal process, to take the money or any property of the CARDHOLDER with the BANK or its subsidiary or affiliates;
- The CARDHOLDER applies for voluntary or involuntary relief under the Insolvency Law or other bankruptcy laws;
- The BANK believes, on reasonable grounds and at its sole discretion, that it was induced by fraudulent misrepresentation to grant the CARD, or SUPPLEMENTARY CARD (s), or other credit facility in favor of the CARDHOLDER.
- The CARDHOLDER's whereabouts become unknown to the BANK upon failure to pay any of his payment obligations in one or more CARDs and other credit facilities;
- The CARDHOLDER or the SUPPLEMENTARY CARDHOLDER(s) fail(s) to observe any of the Terms and Conditions governing the issuance and use of the CARD;
- The CARDHOLDER fails to observe any of the terms and conditions of any contract or evidence of indebtedness and/or other related documents which the CARDHOLDER executed in favor of the BANK in connection with any credit or loan facilities granted by the BANK or its other foreign branches or subsidiaries or affiliates, or another financial institution or other lender in favor of the CARDHOLDER;
- The CARDHOLDER is charged with, convicted of, or under investigation by a competent government authority for violation of Republic Act (R.A.) 8484 (Access Devices Regulation Act of 1998), or the BANK has prima facie evidence to charge the CARDHOLDER with a violation of any of the provisions of the said law or the CARDHOLDER has been convicted of a crime involving moral turpitude;
- The CARDHOLDER dies or becomes physically or mentally incapacitated;
- For any other reasons provided for by law.
In case of default by the CARDHOLDER as stated above, the BANK may, at its sole discretion and without need of further notice, demand payment of the total outstanding balance of the CARD. The BANK also reserves the right to accelerate the CARDHOLDER's installment charges as a consequence of default. In case the CARDHOLDER has more than one (1) CARD account with the BANK, the default in one shall automatically be considered as default in the other account/s. At whichever case, the BANK reserves the right to terminate the use of all the CARD privileges of the CARDHOLDER, including the SUPPLEMENTARY CARDHOLDER(s), if any, for all his /their CARD accounts with the BANK. In the event of delinquency or default, the CARDHOLDER authorizes the BANK to report and/or include his name in the negative listings of any credit bureau or institution. In addition thereto, the BANK may endorse the CARDHOLDER's delinquent account to its accredited collection agency/agent, or from one accredited agency/agent to another subject to written notice of at least seven (7) days prior to the actual endorsement. Further, the CARDHOLDER acknowledges that his/her/its deposit/s with the BANK shall be subject to offset against any amount/s due and payable on this CARD upon default in any of the payments due and hereby authorizes the BANK to effect said offsetting without any liabilities on the part of the BANK.
22. ASSIGNABILITY OF RECEIVABLE – The CARDHOLDER agrees that the accounts receivable from the CARDHOLDER may be sold or assigned by the BANK to any other party, without need of notice. The CARDHOLDER shall be notified via phone or in writing prior to endorsement to a third party.
23. DEPOSIT ACCOUNT – Should the CARDHOLDER fail to pay his outstanding balance or die leaving an unpaid balance, the amount thereof shall be charged to his deposit account(s) with the BANK, if any, and for this purpose, as soon as notified of the death of the CARDHOLDER, the BANK may debit automatically his deposit account for such amount as may be sufficient to cover the payment of his outstanding balance without need of demand.
24. CO-OBLIGOR – The CARDHOLDER may be referred by an acceptable CO-OBLIGOR to the BANK. The CO-OBLIGOR shall be jointly and severally liable with the CARDHOLDER and his SUPPLEMENTARY CARDHOLDER(s) to pay the BANK of all obligations and charges made through the use of the CARD. The CO-OBLIGOR shall notify the CARDHOLDER and the BANK in writing of his intention to withdraw as the CARDHOLDER'S CO-OBLIGOR and may be discharged subject to the condition that the CO-OBLIGOR continues to be liable for all amounts unpaid and outstanding as of thirty (30) days from receipt by the BANK of such written notice. Failure by the CARDHOLDER to immediately furnish a new CO-OBLIGOR acceptable to the BANK may result in the automatic termination or suspension of the CARDHOLDER'S credit card privileges.
25. LOSS OF CARD – The CARDHOLDER shall exercise the necessary diligence in securing the card from any theft or fraud and shall be responsible for its security. In the event that the CARD is lost or stolen, the CARDHOLDER agrees to immediately report its loss by calling the Equicom 24/7 Customer Service and provide details of the place, date and circumstances of the loss. Only the reported lost or stolen CARD shall be blocked by the BANK. However, purchases made/incurred arising from the use of the stolen/lost CARD before receipt by the BANK of the verbal notice of loss shall be for the exclusive account of CARDHOLDER even if the signature of the CARDHOLDER is forged. Should the CARDHOLDER fail to report immediately the loss of the CARD to the BANK after discovery and to state the required information as to place, date and last purchase availments and cash advances made, said failure shall be deemed proof that the CARDHOLDER fraudulently made use of the CARD, and the BANK or the VISA merchants shall be rendered free and harmless from any/all liabilities arising from the loss or theft of the CARD. The replacement of the lost or stolen card is solely at the discretion of the BANK and a card replacement fee shall apply.
26. CARD CANCELLATION – CARDHOLDER may, at any time, terminate the agreement under these Terms and Conditions by written notice to the BANK even without returning or surrendering the physical Card to the Issuer but such termination is subject to the immediate payment or settlement of any and all obligations incurred in connection with the issuance of and use of the CARD and the immediate perforation or destruction of the CARD by the CARDHOLDER. Otherwise, the CARDHOLDER shall become liable to the Issuer for any and all fraudulent/unauthorized charges and transactions made on the CARD.
27. DISCRETION – Without giving any reason or notice, and without prejudice to the other provisions hereof, the BANK has the absolute discretion: (a) to refuse approval of any proposed CARD transaction even if there is sufficient and available CREDIT LIMIT; (b) to terminate or cancel the CARDHOLDERS' right to use the CARD/s or any other privileges and/or promos in relation thereto; (c) to increase or decrease the CREDIT LIMIT; (d) to refuse to re-issue, renew or replace the CARD/s and/or (e) introduce, amend, vary, restrict, terminate or withdraw benefits, services, facilities and privileges in respect of or in connection with the Card account, whether specifically relating to the PRINCIPAL CARDHOLDER or generally to all CARDHOLDERS.
Neither shall the BANK be responsible if it does not approve a purchase or cash advance, or if the merchant does not accept or honor the CARD, even if there is sufficient and available CREDIT LIMIT.
The BANK may limit the number of purchases or cash advance transactions which may be approved in one (1) day. If the BANK detects any unusual or suspicious activity on the CARD, the BANK may temporarily suspend the CARDHOLDER'S credit card privileges until the BANK has verified the suspicious activity with the CARDHOLDER.
28. NON-TRANSFERABILITY – The CARD is the sole property of the BANK and honored by VISA merchants only when properly signed by and presented by authorized CARDHOLDER. The privileges of the CARD is non transferable and non assignable and may be terminated by the BANK at any time for whatever cause. The CARDHOLDER agrees to hold the BANK free and harmless from any claim for damages arising from such termination. Continued use of the CARD after receipt of notice of termination shall be considered fraudulent.
29. AUTHORITY TO PROCESS AND DISCLOSE INFORMATION – The BANK will keep information involving or pertaining to the CARDHOLDER including, but not limited to, any information on his/her accounts, transactions, deposit accounts, credit relationships, and/or credit facilities (the "Information") confidential except that for purposes of this Agreement and in connection with the BANK's (1) implementation, administration, facilitation and improvements of its products, services, facilities and channels, (2) pursuit of its marketing, promotional, communication, commercial and research objectives, (3) regular conduct of business, and/or (4) compliance with the requirements of applicable laws and/or government regulators or supervisory bodies, the CARDHOLDER authorizes the BANK, its directors, officers, employees, advisers, auditors, agents and representatives' (collectively, the "BANK"):
- a) collection, use, storage, consolidation and processing (collectively, "process" or "processing") of Information;
- b) outsourcing of the processing of Information to service providers, whether within or outside of the Philippines;
- c) verification or validation of Information from any and all sources and in any reasonable manner, including but not limited to:
- § the Bureau of Internal Revenue (BIR) to establish the authenticity of CARDHOLDER's income tax return ("ITR") and the accompanying financial statements which CARDHOLDER may have submitted to the Bank; and
- § courts or government or administrative agencies or arbitral tribunals on the status of any case or proceeding to which the CARDHOLDER is a party.
- d) disclosure and sharing of Information to:
- § BANK's subsidiaries, affiliates and related interests (the "EQUICOM GROUP");
- § credit information or investigation companies, credit bureaus (including, but not limited to, the Credit Information Corporation (CIC) pursuant to Republic Act No. 9510 and its implementing rules and regulations), financial institutions, consumer reporting or reference agencies, credit protection provider or guarantee institutions, brokers, insurers, underwriters;
- § any judicial, governmental, supervisory, regulatory or similar body of the Philippines or other jurisdictions; such person or entity as required by the laws or regulations of any country with jurisdiction over the affairs or business of the Bank or any member of the EQUICOM GROUP; stock exchange on which the shares or other securities of the BANK or any member of the EQUCOM GROUP are listed pursuant to its rules;
- § any prospective transferee or assignee of the BANK's rights and/or obligations under the relevant contracts or agreements;
- § service providers engaged by the BANK or by any member of the EQUICOM GROUP, marketing, promotional, network, loyalty program and joint venture partners and other relevant external parties, whether based within or outside the Philippines (collectively, the "Partners" ); and,
- § such other persons or entities that the BANK or any member of the EQUICOM GROUP, may deem necessary or appropriate to facilitate the above-stated purposes or those that may relate to or arise there from, as and when warranted by the circumstances.
The foregoing constitutes the express permission of the CARDHOLDER under the applicable confidentiality and data privacy laws of the Philippines and other jurisdiction and agree to hold the BANK, each member of the EQUICOM GROUP and the Partners, free and harmless from any and all liabilities, claims, damages and suits of whatever kind and nature, that may arise in connection with the implementation and compliance with the authorization granted by the CARDHOLDER.
The foregoing consent shall remain for the duration of, and shall continue to exist despite the cancellation of, the use of the CARD.
30. COMPLAINT/REQUEST HANDLING. The customer may at his option, lodge his complaint/request via phone through the Equicom 24/7 Customer Service Hotline at (632) 2415952 or Domestic Toll Free Number 1-800-10-EQUICOM (3784266), or email at firstname.lastname@example.com, or through walk-in or personal visit in any of the Bank's branches.
In receiving complaints, the customer shall allow the Bank to secure and record relevant customer information, including but not limited to (1) full name & contact details (2) nature & details of the complaint, and (3) resolution/actions expected to be taken by the Bank. The complaint/request shall be duly acknowledged by the bank personnel directly handling or in-charge of the same. The customer shall provide additional documents or information necessary to address his concerns as may be required by the Bank. The Bank shall update the customer of the progress of the investigation/measures taken to resolve the complaint. The Bank shall provide the customer with specific timelines in assessing, investigating and resolving the complaint depending on its nature and complexity.
If assessment and investigation on complex complaints/requests cannot be concluded within the timeframe given, the Bank shall inform the customer of the reason thereof, the additional time needed and the date on which he may expect the result of the assessment and/or investigation. The Bank shall inform the customer in writing of the outcome of the assessment, investigation and its final response to his complaint/request.
The Bank shall not disclose to any third party any information obtained from the customer in all stages of the complaint, except as may be required in the conduct of the investigation. No complaint/request shall be investigated by a Customer Assistance Officer of the Bank who is directly or indirectly involved in the matter which is the subject of the complaint.
31. SMS COMMUNICATIONS – The CARDHOLDER hereby agrees that the BANK may send or communicate with him through Short Messaging System (SMS) at any time without being encrypted and the communications may include the CARDHOLDER's name and other relevant information pertaining to the CARDHOLDER's account, with such SMS to be sent to the CARDHOLDER's cell phone number on record. The CARDHOLDER shall declare the BANK free and harmless from any liability if the information contained in the SMS is accessed by a person other than the CARDHOLDER. The BANK does not guarantee the timely delivery, accuracy, completeness of any information provided through SMS. If the CARDHOLDER, upon receiving the SMS, does not recognize the transaction, he should report such discrepancy to the BANK immediately through the EQUICOM 24/7 CUSTOMER SERVICE.
32. TELEPHONE COMMUNICATIONS – The CARDHOLDER agrees that by calling or accepting calls from EQUICOM 24/7 CUSTOMER SERVICE, its Direct Sales Agents/Telemarketing Service Provider, the BANK may at its sole discretion record all the CARHOLDER's telephone communications. The CARDHOLDER agrees that by doing so, the BANK may at its sole discretion use all these recordings against the CARDHOLDER or any third party, or replayed or communicated to any third party, for any purpose particularly as evidence in any proceeding, judicial or administrative. The CARDHOLDER further agrees to waive any right under R.A. No. 4200 otherwise known as the Anti-Wire Tapping Act or any amendments thereto, or any similar law or regulation. The CARDHOLDER agrees to indemnify the BANK or its Telemarketing provider against any loss, damage, cost, expenses, and fees (including legal fees on a full indemnity basis) that the BANK or its Telemarketing provider may suffer or incur arising from the BANK or its Telemarketing provider so acting.
CARDHOLDER agrees that by applying for various CARD promos through the Equicom 24/7 Customer Service, he fully authorizes the transactions and agrees to be bound by the terms and conditions of the CARD promos.
33. PROMOTIONAL OFFERS – On any occasion, the BANK may inform the CARDHOLDER about its promotional offers through mail/e-mail/fax/SMS or by telephone. The BANK may also allow its branches, subsidiaries, affiliates, agents, and representatives and third parties selected by any of them and certain companies to offer specially selected products and services to the CARDHOLDER through mail/fax/SMS or by telephone. For this purpose, the BANK may transfer and disclose selected customer information to the BANK, its branches, subsidiaries, affiliates, agents, and representatives and third parties selected by any of them and certain companies. The foregoing constitutes the CARDHOLDER's written consent for any transfer and disclosure of the CARDHOLDER's name, address, contact details, and other relevant information to the BANK, its branches, subsidiaries, affiliates agents, agents, and representatives and third parties selected by any of them and certain companies for the purposes indicated above and under applicable laws and regulations.
34. AMENDMENTS – The BANK, at any time or for whatever reason it may deem reasonable, may amend, revise or modify the terms and conditions and any such amendments shall bind the CARDHOLDER upon receipt of notice thereof, or upon posting in the BANK's branches, or through publication in the BANK's website, unless the CARDHOLDER objects thereto by manifesting his intention to terminate his membership in writing and surrendering the CARD within fifteen (15) days from receipt of notice of amendment/s, posting or publication. Failure to notify the BANK of the CARDHOLDER'S intention to terminate his membership and/or the continued use of the CARD by CARDHOLDER shall be construed as acceptance by CARDHOLDER of the amendments to this Agreement.
35. TERMINATION – In the event of the withdrawal of PRINCIPAL or SUPPLEMENTARY CARDHOLDER'S privileges for whatever reason, including but not limited to the CARDHOLDER'S failure to comply with any of the terms and condition herein provided, his death or insolvency (however evidenced), all privileges granted hereunder to the CARDHOLDER shall be automatically terminated and the aggregate unpaid account of CARDHOLDER, including cost and attorney's fees shall immediately become due and demandable without the necessity of demand which CARDHOLDER hereof expressly waives.
The Credit Card shall be terminated by the BANK without prior notice upon the death, bankruptcy, or insolvency of the CARDHOLDER, when the whereabouts of the CARDHOLDER become unknown to the BANK Further, the BANK has the option of terminating or cancelling the CARD and its privileges in any of the following circumstances: (1) the CARDHOLDER defaults in any of his/her/its loan obligations with the BANK; (2) The CARDHOLDER is a Director, Officer or Stockholder of a Debtor Corporation who has defaulted in any of its obligations to the BANK, and (3) any other circumstances similar to the foregoing.
36. DEFAULT, ATTORNEY'S FEE, VENUE – In case of default in the payment of CARDHOLDER'S obligation, the right to use the CARD shall automatically be terminated and CARDHOLDER shall refrain from further using such CARD and surrender the same to the BANK on demand. If collection of the account is referred to a collection agency and/or through the intervention of a lawyer, the CARDHOLDER agrees to pay the costs of collection or attorney's fee equivalent to 25% of the unpaid balance. An additional amount equivalent to 25% of the unpaid balance exclusive of litigation expenses and judicial cost shall be charged to CARDHOLDER as liquidated damages. Venue of all suits shall be in the City of Makati or any Province or City where any of the BANK branches are located at the option of the BANK. The BANK is authorized to recover the payment from other securities, moneys or funds belonging to the CARDHOLDER whatever their nature may be, which the BANK (or its successors or assigns) or any of its subsidiaries or affiliates may hold or have in its possession. To this effect, the CARDHOLDER hereby confers upon the BANK (or its successors or assigns) irrevocable power and authority as shall be necessary to dispose of said securities, either judicially or extra-judicially, or apply said money or funds to the payment of the obligations herein, whichever may be convenient or advantageous to the latter, and in such cases.
37. SEPARABILITY CLAUSE – Should any provision of this Agreement be declared unconstitutional, invalid or unenforceable by a court of competent jurisdiction, such declaration shall not affect in any manner whatsoever, the constitutionality, validity or enforceability of the other provisions of this Agreement
38. REVISION OF TERMS AND CONDITIONS – the BANK may from time to time change these Terms and Conditions for reason it may deem proper, amend or revise or modify through the sending of a written notice, as well as publication, an announcement in the statement of accounts or such other reasonable means as may be determined by the BANK, in which case, the CARDHOLDER's continuous use of the CARD or the absence of a written notice of termination within the period stated above, will be deemed as acknowledgement and acceptance of the amendment or revision.
39. PDIC COVERAGE – The Credit Card is not a deposit account and therefore, not covered by the Philippine Deposit Insurance Corporation (PDIC).
As of December 9, 2015


text:
- Break The Rulez - discounts on clothing and accessories for cool guys and gals
Website News
- Spanning Time: Columnist resolves to start a website, give more lectures January 17, 2020Spanning Time: Columnist resolves to start a website, give more lectures This year, former Broome County Historian Gerald Smith is making efforts to g […]
- FBI Seizes Website Suspected Of Selling Access To Billions Of Pieces Of Stolen Data January 17, 2020U.S. authorities have seized the domain name of a website that allegedly sold access to billions of usernames, email addresses, passwords and other se […]
- Cyber crime: Man arrested over 'details for sale' website January 17, 2020Police have arrested a 22-year-old man in Northern Ireland in connection with an international cyber crime operation. The man is allegedly connected t […]
- Spanning Time: Columnist resolves to start a website, give more lectures January 17, 2020
Recent Posts
- Money from Better Dental Website Conversion Rates
- Reasonable SEO Packages New York for Any Company
- Making Money By Selling Senuke TNG Software
- GoDaddy: How to Set Your DNS & Link Your Domain to Your Hosting Account
- Online Marketing For Your Craft Business: How to Get Your Handmade Products Discovered, Shared and Sold on the Internet
- Internet Marketing for Plumbing & HVAC Companies: How to TRIPLE your sales by getting your internet marketing right
- Social Media: Strategies To Mastering Your Brand- Facebook, Instagram, Twitter and Snapchat
- Guerilla Marketing: Easy and Inexpensive Strategies for Making Big Profits from Your Small Business
- The Book on Real Estate Investing: Expert Strategies for Building Your Online Presence, Internet Marketing, Lead Generation, and Website Revenue (Investing in Real Estate) (Volume 1)
- The Small Business Online Marketing Handbook: Converting Online Conversations to Offline Sales
- Online Marketing for Small Businesses in easy steps: Includes Social Network Marketing
- Online Marketing Techniques for Real Estate Agents and Brokers: Insider Secrets You Need to Know to Take Your Business to the Next Level
- Agency: Starting a Creative Firm in the Age of Digital Marketing (Advertising Age)
- Social Media Marketing All-in-One For Dummies (For Dummies (Computers))
- Red Hot Internet Publicity: The Insider's Guide to Marketing Online
TagsAdvertising affiliate Beginners Book Build Building Business Create Digital easy Email Facebook Free From google Guide home Income Instagram Internet Learn Making Marketing media Money More Online Passive Profits. Sales Secrets sell Small social Start Strategies Strategy Success Successful Tips Traffic Twitter Ultimate website YouTube
- November 2017
- October 2017
- September 2017
- August 2017
- July 2017
- June 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- October 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016
- March 2016
- February 2016
- January 2016
- December 2015
- November 2015
- October 2015
- September 2015
- August 2015
- July 2015
- June 2015
- May 2015
- April 2015
- March 2015
- February 2015
- January 2015
- December 2014
- November 2014
- October 2014
- September 2014
- August 2014
- July 2014
- June 2014
- May 2014
- April 2014
- March 2014
- February 2014
- January 2014
- December 2013
- November 2013
- October 2013
- September 2013
- August 2013
- July 2013
- June 2013
- April 2013
- March 2013
- February 2013
- January 2013
- December 2012
- October 2012
- September 2012
- August 2012
- July 2012
- June 2012
- May 2012
- April 2012
- March 2012
- February 2012
- January 2012
- December 2011
- November 2011
- October 2011
- September 2011
Monthly Archives: November 2015
HOW TO GET 80% OPT IN RATE FOR EMAIL MARKETING: How to build an email list with 80% Opt In Rate – Email Marketing for Beginners and Intermediate Internet Marketers
Finally! A Step By Step Guide On How To Build An Opt In That Converts Up To 80% Inside you'll learn The 5 Step Process for Getting 80% Opt In Rate The theory of Stupid (and how it can help … Continue reading
Posted in Make money online Tagged Beginners, Build, Email, Intermediate, Internet, List, Marketers, Marketing, Rate 2 Comments
Internet Marketing: Top 10 Most Effective Strategies
Hello! Today only, get this Kindle book for just $0.99. Regularly priced at $4.99. Read on your PC, Mac, smart phone, tablet or Kindle device. Most traditional ways of marketing suit big businesses. For small enterprises, internet marketing is a … Continue reading
Posted in Make money online Tagged Effective, Internet, Marketing, Most, Strategies Leave a comment
RICHES IN THE NICHES (2 in 1 bundle) 2016: Killer Niche Research and Affiliate Marketing Keyword Discovery Methods
Read this before buying anything This bundle contains 2 books. The first one is "A Complete Beginners Guide to Information Marketing" – 2016 Edition The second book is How to Find Untapped Niches for Affiliate Marketing If you want to … Continue reading
Digital Minds: 12 Things Every Business Needs to Know About Digital Marketing (2nd Edition)
The progression of the Internet hasn't slowed down one bit; in fact, it's only just begun. And with capabilities like visitor tracking, geo-targeting and personalized marketing, the business competition on the digital playing field has become more aggressive than ever. … Continue reading
Internet Marketing: The Business Owner's Guide to Getting More Traffic and Reach More Money
If you've been seeking a practical, day-by-day, do-it-yourself plan for success in your Internet marketing, this is the book for you. The latest in the very popular Hour a Day series, this book gives you step-by-step instruction and clear action … Continue reading
AFFILIATE MARKETING WITH A TWIST (2016): How to make money selling affiliate products without competition
If you're doing affiliate marketing at the moment…please stop! There's a better way! A much easier way. Inside you'll learn: – How to choose a niche without competition but with many buyers – How to use the power of Google … Continue reading
Posted in Make money online Tagged 2016, affiliate, competition, Marketing, Money, Products, Selling, TWIST, Without Leave a comment
Digitally Enhanced: How To Enhance Your Web Presence To Attract More Of Your Ideal Clients
Digitally Enhanced gives a powerful framework for establishing your reputation online and building a web presence that quickly connects you with your ideal clients. "Stop what you're doing, read this book and lose your limiting beliefs around marketing yourself or … Continue reading
Posted in Make money online Tagged Attract, Clients, Digitally, Enhance, Enhanced, Ideal, More, Presence 3 Comments
Learn 2 ways to make money online by downloading this bundle today HOME BASED SUPPLEMENT BUSINESS Inside you'll learn – how to get started with the supplement business with a bootstrap budget – the exact process on how to make … Continue reading
Posted in Make money online Tagged 2016, affiliate, Bundle, Launch, Marketing, Months, product, QUIT, Selling, SUPPLEMENT Leave a comment
Internet Marketing :Guía Para Trabajar Desde Casa
Todos los días cientos, miles, tal vez cientos de miles de personas deciden investigar la idea de trabajar desde casa o comenzar su propio negocio basado en el hogar. Han oído hablar de otros que lo han hecho, que han … Continue reading
Posted in Make money online Tagged Casa, Desde, Guía, Internet, Marketing, Para, Trabajar Leave a comment
If you know you need to get out and be seen, then this book will help you with an easy to understand way of getting the followers, the likes, the attention you want. You find links and how to use … Continue reading
Posted in Make money online Tagged easy, GOOD, Know, Marketing, Online, UNDERSTAND Leave a comment

subset: commoncrawl


text:
Built from a BD5 Airframe / Body
The drivetrain was completely rebuilt at the time of construction. It was stored for nearly ten years and in about Jan of 2004, it was restored. New paint, canopy, AM/FM CD player, interior and exterior electronics. It has an automatic transmission, water cooled engine and front disc brakes.
Completely street legal, with headlights, directionals, brake etc. Also equiped with low visibility warning strobes top and bottom, ignition disabling alarm system, neon under body ground effect lighting, high intensity lighting front and rear and fog light. It also has onboard Automatic Haylon fire supression system in the engine compartment.
The 250 cc engine displacement with a 230 rider is very quick and has top end easily compatable with any highway or interstate. It is titled as 1983 since that was the title the salvage yard supplied with the orginal Elite that was used for engine donner. The engine transmission was later replaced with a 1985 Elite powertrain. Highly stable and quick.
Located in Ft. Myers Florida area, it was auctioned on Ebay in Oct. of 2004.
Also offer was a custom tow dolly available for the trike.
Litestar & Pulse Club Website


text:
Kreitzberg Arena, located on the campus of Norwich University, is one of the premier collegiate ice hockey facilities in the nation. It is home to both the Norwich men's and women's varsity ice hockey teams as well as the school's club team. Local youth and high school hockey teams also use the 200 x 90-foot ice surface for practices and games. The 1,500-seat arena can accommodate 3,000 spectators for hockey games and up to 5,000 for special events.
The 59,000-square-foot arena houses the varsity locker rooms for both the men's and women's ice hockey teams, both ice hockey head coaches' offices, a training room, an officials' locker room and six visiting team locker rooms designed for the hosting of tournaments. It also contains a Norwich hockey merchandise shop and a snack bar is conveniently located in the adjacent Doyle Hall foyer.
Kreitzberg served as the host site for the 1999, 2003 and 2004 NCAA Division III men's ice hockey championships.
Officially opened in 1998, Kreitzberg Arena meets the long-standing need for a modern intercollegiate hockey and skating facility at Norwich. It has also enhanced the recreational and athletic opportunities for all members of the Norwich community. Equally important, the arena provides the university with a flexible and attractive space for presentations, concerts and campus convocations.


text:
Email from Bill from China
Great Wall of China
"Bu yoa!" my brother-in-law Bill on visiting China and Shanghai
Last week I shared an email from my sister Betsy on her travels in China with her husband Bill and their son Kenny, who's attending the University of Beijing. Here's another email, this time from Bill.
Bu yoa, bu yoa, bu yoa. It means in Mandarin, "Don't want!." We scream it. Kenny bellows it. It's the only way to get through the street vendors in Shanghai. It gets really hairy when they grab you, especially when they grab the arm of Betsy's bad shoulder.
We couldn't be having a more fascinating, wonderful time. Betsy and I leave tomorrow. Kenny on January 10. We will miss that little sprite, but he is embarking on the journey of his life, having crossed halfway around the world to take the first step. He is deeply committed to learn conversational Mandarin to complement his understanding of world economics. The future just may belong to him.
Yesterday we went to the Badaling section of the Great Wall. Incomprehensible!!!! My first trip there. Betsy and Kenny had been to a different section of the wall before my arrival. Very crowded, but well worth it.
Everyone warned us about the water and the food. Water: right (a few drops and runny runny for days); Food: wrong (wonderful and cheap as hell.) Dinner last night for 4 with beer was 102 yuan or $12.75. Filled us all up (I think Betsy was hungry a half an hour later but she is keeping the weight off (looks great, especially her never-ending smile.)
We are on our way up to U of B today to get Kenny situated before our departure. Will drop off his 2 immense duffels and blend back into the 16,000,000 souls who reside here.
With the Olympics 2 years away, the city seems to have taken on the character of one large welcoming committee, except, perhaps, for the 12,000,000 of them who seem to live in a parallel universe of poverty and bad smell. Love, Bill
PS from Betsy
OK - it's smiley old me only to reiterate what equally pleased old Bill has said... whew... what an experience. We will, of course, really miss not only seeing Ken, but not being able to talk whenever. However, we so get what's happening, we'll deal. This will be the last email from here. Wonderful as the trip has been, I am actually eager to get home. I miss too much and I HAVE to get in gear for school. Love you all, Betsy
See some amazing pictures of their adventures in China here.
Labels: Friends and Family


text:
Simply Deliciouswill be with you through every step of the planning process.
We are a full service off premise caterer able to support you in any venue throughout the Columbus area.
Looking for a place to host your event? There are many throughout the area.
Feel free to visit any of these links to explore the many options available.
We are ready to support your event wherever you plan to host - even in your own home!


text:
Your alternator is a part of your vehicle's charging system that serves as a generator for the battery whereas driving. Thanks to the proven talents of our ASE-Certified Master Technicians throughout our history, we will accurately determine whether or not or not your alternator must be changed, then make sure that the job is completed efficiently. By doing your personal easy maintenance and restore jobs, it's doable to keep visits to the automotive shop to a minimal. If your automobile does start, there's a good probability that your alternator will fail soon, or already wants replacing.
While the engine is running, it spins the alternator and produces electrical alternator powers the car's electrical programs whereas the automobile is working and it is a essential element in correct functioning of the automotive as a complete. In those outdated days, the dealership was required to have a service heart that could change the oil, repair belts, exhausts, carbeurators, and such gadgets for you. Someone with even modest mechanical capability and instruments (the original house owners instrument package has virtually every part needed for a complete rebuild), can deal with it. All of our repair work is guaranteed, call us in the present day to schedule a service 503-285-4145. This might be an alternator substitute in your Toyota Tacoma, a brand new drive belt on your GMC Acadia, or an electrical restore on your Nissan Maxima.
Best of all, a very good, quality torque wrench you can use to maintain and repair your own car is relatively cheap once you start including the cost of sending your automobile to the store for such a work. I would say as a rule, vehicles with over one hundred,000 with nonetheless the unique tools, will need water or gasoline pump, timing belt, plugs, fuel injectors, shocks, wheel bearings, clutch elements. Rest assured that these will be attended instantly, whether minor or main mechanical and electrical restore, through the use of top quality and unique alternator components. Remove one of the battery terminals, if the automotive turns off, most definitely it's the alternator. Let's check out how the alternator produces that energy in the subsequent part.
On some models even failure will change on another gentle related to the alternator. An alternator producing greater than the required power can result in battery overcharging downside. Your service or repair manual features a schedule you need to use as a starting point to construct your own upkeep log. While holding the alternator in place and the belt stretched, press on the belt's middle section (the section that runs between two of the pulleys with the longest stretch) utilizing your thumb. Maybe you'd wish to know extra about how an alternator works or maybe what causes an alternator to stop working. Let's take a look at the store's available performance parts for your Ford's engine and electrical programs as well as some insights on the mentioned programs' function and elements.
The basic consensus is to steer clear of a used alternator if it has not been thoroughly inspected and tested. We'll search for issues with the alternator's rotor, voltage regulator, and housing to figure out what the issue is. After our preliminary analysis, we'll inform you of our findings and make an trustworthy restore advice. They will conduct a complete charging system diagnostic take a look at prior to recommending an alternator restore or substitute.


text:
Enterprise Ubuntu Linux server monitoring and management made easy with Landscape 1.5
Canonical's Landscape 1.5 released with Ubuntu 10.04 features group server management and automated alerts to ease the regular tasks of a Linux admin. The paid service provides these additional management tasks beyond regular management and monitoring tools.
With the release of Ubuntu 10.04 on April 29, 2010, Canonical has also released version 1.5 of its Landscape management service. The purpose of this service? Making Ubuntu Management and monitoring easy. In this article you'll read what it offers.
Ubuntu was developed to be easy. But, up until recently, there was no easy solution to manage and monitor many Ubuntu systems simultaneously. To solve this, Canonical has developed the Landscape service. Initially developed as a Software as a Service, in the 1.5 release, Landscape is available as an on-site server or as an on-line service offered by Canonical.
So what can you do with it? Originally, Landscape was developed for monitoring of Ubuntu systems. To use it, users of Ubuntu Desktop or Server Edition need to register the node. After registration, the Landscape administrator for your account has to confirm the registration, which makes the computer a manageable computer. You can manually perform different tasks on computer that are managed by Landscape, but it also offers automatic alerts if something requests your attention.
Click on image for larger version
Landscape generates alerts for computers in the management domain
Linux system monitoring using Landscape
Landscape allows you to monitor all important aspects of managed computers. Starting with user monitoring, you can see which users have an account on selected computers and if you see a user that isn't supposed to be there, you can lock them or in other ways alter the account. Other useful monitoring tasks includes monitoring running processes, installed software, and typical other relevant parameters for your server. But obviously as a Linux admin, you don't need Landscape to do that.
The additional value of Landscape is two things. First, you can create groups of computers, based on different criteria. One option is that you can tag a computer while registering it (for instance, you can tag it as a Web server), and based on these tasks, you can later create groups of computers. After selecting a group of computers, you can perform management tasks on the group, and that is useful if you have hundreds of Ubuntu computers to manage. Think for instance of the option to install specific software on all computers in a group, or if this is required for some reason to remove specific software packages.
Click on image for larger version
Process managing and monitoring from Landscape
Second (and maybe even better), is the integrated alert system. So how does it work? Landscape is developed to monitor a few critical parameters, which you can find under the alerts option. These include items such as new updates that are available, computers that need to be rebooted, or just the mentioning of a computer that hasn't contacted Landscape in a while. For each of these alerts, you can configure it to send out an e-mail if the alert occurs. This helps you in being aware of critical situations without monitoring the system at all times. If an alert has occurred, you can click through the alert to find out what exactly has happening and which computer is concerned. Next, by clicking the hyperlink to that computer, you can directly perform the related task, such as remotely rebooting your server to make sure a kernel update has been installed properly for instance.
Also useful is the option to run scripts on managed computers. Again, you can perform this on an individual computer or a group of computers. Working with scripts in this manner is indeed powerful, as it allows you to accomplish any task you want on any server you want it to be accomplished. Apart from these features, Landscape offers more, such as the option to mention open support calls, or even to integrate your cloud environment in the management interface.
So how does one get access to it? Canonical is offering Landscape as a paid service, but you can apply for a free 60-day account. You can also purchase the service to install at your site. If you are managing large amounts of Ubuntu computers, you should definitely consider it. Given the fact that Ubuntu Server is rather popular in the provider world, there is a market for this product. The drawback is that for the moment it doesn't manage other Enterprise Linux systems, such as Red Hat and SUSE. But who knows what the next version will bring.
ABOUT THE AUTHOR: Sander van Vugt is an author and independent technical trainer, specializing in Linux since 1994. Vugt is also a technical consultant for high-availability (HA) clustering and performance optimization, as well as an expert on SLED 10 administration.


text:
Khalfan Khamis Mohamed
Khalfan Khamis Mohamed
|Other names
|Elfani Hamis Ahmed1, Zahran Nassor Maulid
Khalfan Khamis Mohamed (Arabic: خلفان النعيمي) (born 5 March 1974), a Tanzanian national, is one of numerous al-Qaeda suspects who were indicted in 1998,[1] and one of the four who were convicted and sentenced to life without parole in 2001,[2] for their parts in the 1998 United States embassy bombings. Convicted along with Mohamed were Wadih el Hage, Mohammed Saddiq Odeh, and Mohamed Rashid al-Owhali. He is currently held in the supermax prison known as ADX Florence.
Background and arrest[edit]
Khalfan Mohamed allegedly received training in Afghanistan. It is believed that Mohamed assembled the bomb used against the embassy in the Dar es Salaam, Tanzania, and flew to South Africa shortly after the bombing. He was arrested in Cape Town on October 5, 1999, after he was discovered to still be using the same alias he had used during the bombings.[3] After interrogation, South African immigration authorities handed him over to FBI agents and he was flown to New York on the following day.[4] (This extradition subsequently became the subject of a landmark decision of the Constitutional Court of South Africa, Mohamed v President of the Republic of South Africa, which determined that the South African government cannot extradite suspects who may face the death penalty.)
In June 2014, he successfully sued the US government for violating his Freedom of Speech by prohibiting his communications with all but a few immediate family members.[5].
Failed escape[edit]
On November 2, 2000, Mohamed and Mamdouh Mahmud Salim (also of al-Qaeda) attacked a federal prison guard in a failed escape attempt. The officer was critically injured, having been stabbed in the eye with a sharpened comb, and suffered severe brain damage from the attack.[6] During the sentencing phase of his trial, prosecutors argued unsuccessfully for capital punishment of Mohamed, due to the continuing threat he posed to prison guards.[6]
- ^ Copy of indictment USA v. Usama bin Laden et al., Center for Nonproliferation Studies, Monterey Institute of International Studies
- ^ Four embassy bombers get life, CNN.com, By Phil Hirschkorn, October 21, 2001 Posted: 10:58 AM EDT (1458 GMT)
- ^ Benjamin, Daniel & Steven Simon. "The Age of Sacred Terror", 2002
- ^ Mohamed v President of the Republic of South Africa [2001] ZACC 18 at paragraphs [26] and [27] (28 May 2001), Constitutional Court (South Africa)
- ^ MOHAMMED v. HOLDER
- ^ a b Weiser, Benjamin (June 22, 2001). "Pondering Terrorist's Execution, Jury Weighs Notes Found in Cell". The New York Times.
|This Tanzanian biographical article is a stub. You can help Wikipedia by expanding it.
|This crime-related article is a stub. You can help Wikipedia by expanding it.
- Tanzanian al-Qaeda members
- Inmates of ADX Florence
- Living people
- Tanzanian people imprisoned abroad
- People extradited from South Africa
- People extradited to the United States
- Tanzanian prisoners sentenced to life imprisonment
- Prisoners sentenced to life imprisonment by the United States federal government
- Tanzanian people convicted of murder
- People convicted of murder by the United States federal government
- 1974 births
- Tanzanian people stubs
- Crime stubs


text:
Volunteer for interpreter
I am looking for an interpreter for my aunt's funeral service on Tuesday, August 4, 2015. The funeral service will be at Valley View 4th Ward, 2125 E. Evergreen Ave. (about 3400 South), Salt Lake City at noon.
Please let me know. Thanks.
David Pi… Continue reading Volunteer for interpreter


text:
David Headley: India for US Mumbai attacker's extradition
India has said it will continue to press for extradition of David Coleman Headley, a US man sentenced to 35 years in prison for his key role in plotting the deadly Mumbai attacks in 2008.
India was "slightly disappointed" over the quantum of sentence, External Affairs Minister Salman Khurshid said.
Headley, 52, pleaded guilty and co-operated with the US to avoid the death penalty and extradition to India.
More than 160 people were killed by gunmen during the assault.
Headley was sentenced on Thursday on 12 counts, including conspiracy to aid militants from the Pakistani group Lashkar-e-Taiba (LeT) who carried out the attacks.
After initially denying the charges, he eventually pleaded guilty and admitted to scouting potential target locations in Mumbai.
He also confessed to helping plan an aborted plot to behead staff at a Danish newspaper that had published a cartoon many Muslims deemed offensive.
'Unfathomable damage'
"The 35-year sentencing and what the judge said is a beginning. We understand there are legal procedures in the US but nevertheless the position we have, the request (extradition) that we have made remains intact," Mr Khurshid told reporters on Friday.
He said India wanted Headley tried here and that he would have possibly got a "serious and severe" sentence in this country.
The federal Home Secretary, RK Singh, said India would push for Headley's extradition.
"India wants death sentence for David Headley and all those involved in the 26/11 Mumbai terror attacks," he said.
Headley had faced life imprisonment but US District Judge Harry Leinenweber said he had taken into account the American's co-operation in the case, even if "the damage that was done was unfathomable".
"I don't have any faith in Mr Headley when he says he's a changed person and believes in the American way of life," Judge Leinenweber said during the verdict.
Headley was born Daood Gilani to a Pakistani father and American mother but changed his name to David Coleman Headley in 2006 "to present himself in India as an American who was neither Muslim nor Pakistani", prosecutors said.
Headley is alleged to have told prosecutors that he had been working with LeT since 2002.
He was arrested by FBI agents in Chicago in October 2009 while trying to board a plane for Philadelphia.
Earlier this month, Canadian-Pakistani businessman Tahawwur Rana was jailed in Chicago for 14 years for providing support to LeT.
Headley had been the government's star witness against Rana, an old friend from their days in a Pakistani military school.
The 60-hour assault on Mumbai began on 26 November 2008. Attacks on the railway station, luxury hotels and a Jewish cultural centre claimed 166 lives. Nine gunmen were also killed.
The only surviving attacker, Pakistani Mohammad Ajmal Amir Qasab, was executed in India last November.


text:
Escapism: Every Man for Himself
Track 3 of 13 in the American Idols series
Running time: 19 minutes, 06 seconds.
Click above to listen in this window.
Right-click to download MP3. With one-button mouse, control-click.
Be sure to scroll down to read the transcript.
06/17/2007Scripture: Proverbs 27:17
Track 3 of 13 in the American Idols series
Running time: 19 minutes, 06 seconds.
Click above to listen in this window.
Right-click to download MP3. With one-button mouse, control-click.
Be sure to scroll down to read the transcript.
Speaker: Chuck Sackett
Dr. G. Charles Sackett is minister of Madison Park Christian Church.
View all sermons by this speaker.
Speaker: Keith Ehresman
Keith is the Family Minister of Madison Park Christian Church.
View all sermons by this speaker.
Contemplating Culture
Once we admit we are immersed in our world, we can sit back and contemplate what's going on. Contemplation provides a means of being sure we are not only correctly assessing the culture but also determining an appropriate Christian response.
Kevin Vanhoozer in Everyday Theology suggests these four means of contemplation. I'm suggesting it will work well as a model for letting Proverbs help us.
First: Reflection (ala Proverbs 6:6). Think about things . . . slow down . . . ponder . . . ask questions. What's really going on? What's the long term effect? Can this sustain me?
Second: Instruction (as in Proverbs 4:1-4). Seek what godly people say. Remember family traditions. What does the church say?
Third: Correction (Proverbs 12:1). Be humble enough to listen and learn. Recognize the grade involved in God's discipline.
Finally: Revelation (Proverbs 2:6-8; 29:18). What does God say? Where in the Bible does it address such things?
Contemplation can lead us to understanding . . . and to healthy response. Contemplation is the opposite of escapism. Escapism wants to avoid dealing with reality. Escapism wants to do things on your own, in your own way, without responsibility or accountability.
Escapism at its best is captured in the image of Disney World. We move through the gates into a time of pleasant vacation. We don't have to deal with reality. We can even charge our expenses and postpone that reality too. We're having fun. The rest of life is "on hold," at least for the moment.
Escapism at its worst is the "tourist." They come to see and experience but never to take responsibility or to invest in any thing. Life is to be avoided. Reality rejected. I want to see, feel, smell, hear the world, but I don't want to deal with it. I'd rather move on to the next attraction.
Escape often occurs in destructive ways: alcohol and other drugs, conspicuous consumption, abandonment of family, workaholism or ultimately suicide.
Life is hard. No one is denying that. Running from it is not the answer (it's actually harder in the long run). The answer: companionship . . . company . . . doing life together.
Sermon for Sunday, June 17, 2007
Escapism: Every Man for Himself
Proverbs 27:17
Series: American Idols
Together we run, together. This world tells us that we need to escape, that we need to be men that we need to do it on our own. It's not what God intends at all. Proverbs 27:17: As iron sharpens iron, so one man sharpens another. One friend sharpens another. That scriptures packed. It says a prudent person perceives that danger ahead and takes precautions; the simpleton goes blindly and then suffers consequences. The heartfelt council of a friend is as sweet as perfume and incense.
If you know me at all, you know that every morning I probably wake up and there's a part of me that does pray for American; but I also have a heart for Africa. Never had one of these before, but it really really demonstrates what we're here to talk about today.
You see, in Africa it's really simple; you go into these tribal animistic areas and they put on these masks and when they put on these masks, all of a sudden they can be anything they want to be, and they can pretend to be anything they want to be.
And there is demonic influence and there is demonic power and there is deception. And for that reason I never really wanted to have one of these masks.
And yet I am convinced that we live in the United States of America and each of us each day perhaps we're not even aware of it, that Satan has deceived us and we put on the mask. And we tell people, "I'm doing fine" and "I'm doing great" and "Hey life is good," and "Hey I can do this on my own and no problem."
And yet today basically, these two friends of mine we're laying down the masks in front of you and we're just saying, they've asked to come and share what we do together and as we meet and as we journey in this life together as friends. Because each of us has learned basically that we can't do it on our own, and when we try to do it on our own, we fail miserably.
It is an incredible call that God asks us to, to let down masks. It would be much easier, we sat yesterday over coffee, and this is just not quit the same, right guys? Right, we tried to envision, we talked quit awhile about what are we going to do? What are we going to talk about? What are we going to show? Because we are not going to be like we are when we go away even when we're in a public place, we're away and you're not watching us. And you're not listening to us.
So, we talked quit awhile about what are we going to do? What are we going to say that anyone of you gets, that you understand, that we can relate. For me, what a powerful word for me that I'm learning about and I'm trying to understand is the word, "mystery". And it's a powerful word for me because there's scriptures that I've read that I've never noticed it and lately it's standing out to me about how Paul talks about the mystery of Christ and the love of Christ and how that is a mystery. How things are unexplainable and we talked quit awhile yesterday about what are we going to tell people about our friendship, not just the friendship, but we come to a table with certain understanding, certain expectations, certain willingness, and I think one of the key things is in this "mystery "of this friendship, that develops is risk.
We risk sharing, we risk talking about things that I'd rather not talk about, that I would rather not share with anyone. But it does me harm to not confess to my brothers.
Aaron: "I feel compelled to tell my story : My story may have started a few weeks ago when I was baptized but it also began 10 years ago when my wife brought me here to Madison Park and shortly after that I met Keith. And Keith has been inspirational to me throughout my years here. He's communicated with me through e-mail, he counseled Stacy and I prior to being married'; Keith: "And Aaron still washes the dishes, sorry". Aaron: "dishwasher broke a couple of weeks ago and I do the dishes around my house, but that was Keith's fault. But, all this time; Keith's been praying for me and hoping that I get to the point where I've been ready to make the next step and to follow Christ. We also got the opportunity to go on a retreat earlier this year and that's where I met Tim. We had been caving and we were walking back to the van, and I had already confessed to everyone there that I hadn't been baptized and I was not following Christ's call.
Tim took a risk and he came up along side of me and he said, "I don't know what you're struggling with, or what it is, what prevents you from following Christ, " but he said, he gave me some profound advice; "figure out what that is and take care of it." And so, that's what I did. Since then, I've been able to further develop a relationship with Keith and Tim that has purpose. And so, a lot of times we have a lot of friends in our relationships are driven by purpose. And so we're trying to develop a relationship that is for a purpose.
Keith: Tim touched on that word "mystery", we talked about it yesterday, I keep coming back to it. This is not an age thing, this is just not ok this is a bunch young guys, I wish I could say that about myself but I can't anymore, Tim: "he's old" Keith: "I am old but they still hang around me and it's good" Tim: "Not that old" Keith: "But Eugene Peterson that translated the message version, he takes a lot of wrath or just heat for the mystery that he takes in his interpretation of scripture. And I like how he puts it, because he said, "What he's not doing is fantasy, because fantasy is when we get self absorbed and we're trying to escape and we're trying to satisfy our own inner self and yet mystery is something that we've lost in the church . Mystery is something that we've got to seek out and we aren't maybe ever going to understand what the "this" is and what the mystery is of it.
But we need to keep following hard after the heart of God, and letting him lead in that, letting him direct in that. And when we remove the mask, its friendships and it's friendships at another level. Aaron shared yesterday; you're friend just a couple weeks ago, Aaron: Yes, certainly I had an acquaintance or actually someone I considered a friend, in one of my previous employments and I found out that he had committed suicide. What I was sharing with Tim and Keith, is that you don't know people unless you remove the mask and you know; so I'm left with that he's gone, and was there some other way that I could of reached him or helped him? I don't know; but fortunately I have Tim and Keith here helping me be accountable for the things in my life.
And so we're here today to encourage you to develop relationships or friendships which help you be accountable.
Tim: "I think that's great, I can really say anything more in regards to that. I think that's exactly what we're here for." "The verse: Men sharpen men, you know; as iron sharpens iron. Its there for a reason. Its not there to be cool, its not there to be a thing you hang on your wall, its there because it works. It's something that God says do this because it works."
Tim: "We're here to encourage you, we're here to say, I can tell you that without these guys my walk is dead, my walk is cold, and I do things I shouldn't do and I think things I shouldn't think but with these guys, with this friendship that we're working on, developing and risking; I get to bring those things to a table maybe even to an email. We email quit a bit to each other throughout the week. He lives in Hannibal, so I don't get to see him that much, so there's a lot things that go back and forth by email, and I risk sending something to him or to Keith every time I hit "send" is "what are they going to think?" Sometimes I write a paragraph that takes me an hour to write it, because it's really 4 paragraphs and I get rid of 3 paragraphs because I can't say that or I might do that and put the 3 paragraphs back in and say, "I have to do that" "I have to say this" and you know what? I'm risking that they won't get it. We're risking right now, I honestly don't know if any of you men will get this. A year ago my relationships with other men, I didn't have any apart from, "hey how are you doing?" "I'm great" "I'm fine" "Everything's fine" and I would turn away and walk away and that pit at the bottom of my stomach would say. "You just lied to that man" because I wasn't fine and I'm not great, and so this relationship allows me an opportunity to come and say, "this is what's going on". Some of it's you know day to day, I wasn't a good father, I wasn't a good husband, I'm having trouble with my wife, blah, blah, blah. I'm having this challenge at work. And sometimes it's bigger things that just day to day kind of things.
So, there's a mystery in this that I can't explain, we tried to talk about it; Keith and I tried to talk about it and the best thing I can come up with is that we try to just be friends, and also; I try to bring basically the heart of a child to this relationship in some ways. Where I think of myself as an adult I get all the adult things in the way of the stuff. Where I tried to think of like maybe a 6 or and 8 or a 10 year old, when I was that age and I had a friend I didn't think about all this "stuff" in some ways. We just kind of said, "Let's hang out" and that's what we we'd do. There's not, he doesn't bring a you know a scripture and say, Well today Tim and Aaron I'm going to express to you the answers to all of your problems." Keith: "And ask him for a 2 page report that I'll grade"
We had to work through those things because we had to develop a relationship that said, "look, I'm really not into a teacher-student relationship; that's not where I am in my life, I'm not."
So it took risks and steps along the way and you may not know how to take a risk, you may not know that you need this, you may think, "I'm too old" or "these people are too young" or "I'm too young or their too old". I don't think that's true, I think that's a deception we buy into.
I think we have a wide range of ages in this place and that's a beautiful thing and I think we segregate that because we think, "well, he's over 50 and he's under 30, they won't have anything in common." Well, they're both men, there's going to be a lot in common if they come to the table and are willing to risk it.
Keith: And what you just said, I think about my personal journey here even at Madison Park. When I came here as a 22 year old once upon a time; there was an older man here in this congregation and he was part of leadership and he started taking me to lunch and invited me to his work place. And I will go to my grave with things that he has shared with me from the depths of his heart. Because I trust him and respect him deeply, because he started mentoring me and so when Tim talks about this age division don't let it separate you. I miss that man, I miss him a lot around here and his presence around here and yet I watched him invest in young men and pour his heart and his life and his energy into his family and I remember driving the streets of Quincy a time just praying and listening and talking and it was a powerful thing that once he passed away and was gone that all of a sudden he still was taking care of me. It's just hard to explain but you have to understand, he knew me so well and there were times that I wouldn't slow down and needed retreat that he made sure his wife called me and says, "You know what? You're family is getting away because my husband would want this .." And that's the kind of friendship I guess that I'm trying to display to you today. It's not just with these guys, but for the season we're taking it and we're enjoying it. But hopefully today it will wet your appetite to say, "Who is it around me?" And so when they walk up to me and I instead of saying, "let's do lunch" we say, "how about Monday 11:45 meet ya." And we take the next step and we take the initiative because it will sharpen us and we will become the men that God intends us to be.
And I don't want to pull an Aaron Gander away from his friends in Hannibal and out of his work place and he did a great imagery in just his email the other night on a funnel and I'm going to let you tell them that .
Aaron: I just sent an email to Keith and Tim that said if you're at the top of the funnel it's fairly easy to climb your way out, but the longer you're in the funnel, you're going to get towards the bottom and your going to go through the neck and so if you have somebody at the top who can pull you out, get you away from Satan's grip you're going to be in better shape, don't stay in the funnel.
Tim: This is the problem we have when we get together, we can talk a long, long time. You can ask out wives, so I think we're getting the "we're done" time. So, very much appreciate this opportunity and thank you.
Keith: There's one passage and then we're done. Maybe. Two people can accomplish more that twice as much as one. They can get a better return for their labor. If one person falls, the other can reach out and help. But people, who are alone, when they fall, are in real trouble. And on a cold night, two under the same blanket can gain warmth from each other; but how can we be warm alone? A person standing alone can be attacked and defeated, but two can stand back to back and conquer. Three are even better, for a triple braided cord is not easily broken.
Chuck: Life is messy. I think only the naïve; the inexperienced would ever try to tell you otherwise. It's just hard to live in this world and not realize that there are a lot of things that come along that are just plain hard.
And God must have known that. Because he created in us the ability to do different kinds of things to help. I don't understand this, its' way beyond anything I have ever been able to grasp and yet I am fully aware that in our psyche, we have the ability to hide things. We can store them. We put them away. They're too hard to deal with and somewhere in there, God has made it possible for you to stick those back there and they may not ever surface.
If they do, it may only come when you have somebody who is a professional who can help you bring it out and deal with it from somewhere deep inside your past.
He gave us this little simple tool, its called amnesia. We forget. Somebody mentioned it this morning as they were talking about Lu Ann K. and the accident that she was involved in and quite honestly she doesn't remember anything. The response was, "That's probably good". I think it's a built-in mechanism that God has placed within us. At its very deepest, that's the source of multiple personalities.
Where the human system shuts everything off that is so hard and so difficult, and it brings up somebody else to live in its place because life is just plain messy. It's hard.
I think God gave us religious ways of handling that. I use that in the best sense of the word, I think there are things that God built into the system in order to help us deal with the messiness of life.
One of them is the Sabbath. It's a time of rest, it's a day away, it's to pull aside, its to be alone, its to set aside some time for just you and God in reflection. He built that into the system. In fact he built it in so much he said do it once a week, knowing that life would be messy, and you need it.
I think he built it into the religious system of well, for example the Lord's Supper when you have opportunity to step away and to look at life through the lens of what God has already done and to discover that you're not walking this road spiritually by yourself, but Christ has already walked in front of you, and he has made a path for you and he's already been down this road.
I think he's done that for us in the very sense of the assembly together, so that you are reminded to be together, spend some time with each other. Don't try to walk this thing all by yourself.
Man has created his own set of escapes, and that's where this whole cultural mess begins to get in because on the negative side, we've got all kinds of ways of escaping. We have discovered as many ways of escaping as there are human imaginations.
Certainly we do it through drugs and alcohol. We do it through pornography. And ultimately, we do it through suicide when we just can't deal with life.
But we've got other ways of doing it that are frankly quite neutral in my opinion. They can be a negative way of escape; they can be a positive thing in our life. It depends a bit on how we view them. Work and career can be like that. Your work can be a very positive part of who you are, but for some of us, we use it as escape-we don't want to deal with what's going on in the rest of the world and so we pour ourselves into our work to the suffering of our family or our other relationships.
Leisure is one of those things. Leisure is a very good thing. Everybody needs some time for leisure. But there are some people who just simply escape from reality by spending all of their time in recreation. They don't want to deal with life.
Certainly, entertainment falls into that category. We all need entertainment. Entertainment is a good thing. But you can become entertained by this world to the place that you live in a fantasy land. In fact it's really fascinating and it would make a wonderful study, for somebody much smarter than I am to go through and look at the response on the blogs to the condemnation of some internet and computer games.
There are studies out there that suggest that those are a negative escape from reality and they're addictive just like gambling and other things. And then you read the responses and the responses are: "Oh no, those are good for us, we need escape."
It would be interesting to know what they are escaping from that would drive them to those kinds of activities. They could be just good entertainment.
There are certainly some positives things that are escapes: Vacations. I mean, think of the number one vacation place in the world: Disney world.
Talk about escape from reality, you walk through the gates, and nothing is real. You don't even have to pay for it today. You can wait until you get home. That will become real by the way.
So, what's the problem? What's the cultural issue? The issue in my mind is really simple; because it's not that escape in and of itself is wrong, it's not even always unhealthy; there are times when that is very important. The issue is my refusal to see myself as part of this picture.
Culture tells me to avoid the reality of life. Just make up my own world and live in something that I like and I can deal with and the rest of you ..well, there are swear words that follow that. Just we eliminate people. We want to create a world in which we live and everybody else is ignored, and/or rejected. And so rather facing the possibilities that in our relationships with our parent, or our spouse; we might be playing a role in that and need to do something to try to mend that relationship, we just choose to reject them. To rebel against them. To ignore them. To abandon them.
So what's the Biblical answer? "Together." Proverbs 27:17: As iron sharpens iron, so one man sharpens another.
We do it together. But understand something, I don't know much about much; I do know this: Files are abrasive. That's how they work. Iron doesn't sharpen iron unless it creates abrasion and sparks.
Things fall. It hurts. And that is the only way that we can collectively together in relationship take and move forward. If one man is going to sharpen another then there has to be some form of risk taking where I put myself in a place where I can be hurt. And probably will be. But it will be the kind of hurt that produces something positive.
As you're reading through the bulletin insert this week, you're going to notice two references to the apostle Paul and they are both around this idea of being together.
One, the first one is such a positive experience. When the Apostle has been brought back to Jerusalem, he's a brand new convert; you can imagine Saul of Tarsus coming to the church and them saying, "We don't want anything to do with this guy. He persecutes Christians. Why would we let him in the assembly?" And Barnabas comes along and encourages the church to accept him as a brother.
The second reference you're going to see is when Paul is preaching in a situation where there are gentiles and Peter comes from Jerusalem and he does fine for a little while eating with the gentiles, which was a major problem for a Jewish believer; and then people from Jerusalem show up and Peter stops eating with them. And the text has one of the most powerful statements. It says: Paul confronted him to his face. It was a nose to nose confrontation. Peter; you are wrong. That's also iron sharpening iron.
What we're trying to suggest to you today is that Disciples, being a Christian; being a follower of Jesus, implies that you are not walking alone. Even though the culture would say escape your responsibilities, escape you accountabilities, live in a fantasy world,; and don't worry about what goes on in somebody else's life. Scripture teaches by the very name "Disciple" that you are in relationship. Because Disciples are only Disciples if they have a teacher. That's what a Disciple was. A learner. And being a learner meant you were following somebody. You had a mentor. You were under someone else's leadership. You were engaged in a relationship.
In the very act of becoming a Christian, you adopted Jesus as your Discipler. And it's interesting isn't it? When Jesus is preparing to leave, the one thing he says is, "It's good if I go away, because if I go away, I can send one to go with you." And the one who comes with you literally, according to scripture the Holy Spirit; walks beside you. Takes up residence and is your eternal mentor.
But the expectation is you would never do this, it's just you and Jesus or just you and the Holy Spirit. The expectation is you would always have brothers and sisters in your life helping you be responsible and holding you accountable.
I speak to you from personal experience. We do not make it well on our own. I've tried. And failed.
I read a story this past week; it was intriguing to me for a lot of reasons. It's the story of Carrie Humble. I hope none of you recognize her name. It's not a good sign if you do because she' a porn star. Well, was. She walked into church and set down in the second row, she sat there for several weeks. Lynn Johnson one of a number of people at The Church On The Rock; who had been praying for those people who had been involved in the porn industry; noticed her there and decided she would talk to her. Lynn walked up and Carrie's first remark was; "My name is Carrie, I just retired from the porn industry." You talk about risk. "God bless you, we're glad you're here." But for two years Carrie maintained a relationship with her boyfriend who was a part of the pornography industry. And to tell it in her own words. "she would not have survived were it not for Lynn."
The statement was, "She's found it difficult to totally distance herself from the past. Until last summer she held onto a porn star boyfriend, a relationship she felt God didn't approve of " I want you to hear this, "But with the help of people like Lynn Johnson " Do you hear it? "With the help of "
That is the challenge. To be willing to recognize and to understand and to admit you don't do this on your own.
And so, like the guys have said, we're calling you to seek out relationships with people who will hold you accountable and who will encourage your life. Because we want nothing more than for you to hunger after God. To have a deep yearning desire to be in relationship with the Father.
But that will never happen effectively and successfully if you try to walk this road by yourself. So, as one man to another, as a brother to brothers and sisters, I want to encourage you to get into a relationship with God first and foremost. To hunger after him from the depths of your soul. But don't try to do this alone.
And I just feel really comfortable in making you this promise: If you hunger after God, God will satisfy your need for him. And I am absolutely confident that in this body of believers, if you hunger after a friend who will walk with you, there's somebody here that will do that.
[Transcribed by VW5]
Copyright © 1999-2020 Madison Park Christian Church All rights reserved.
Any/all songs are copyrighted by original publishers and are used by permission. CCLI#52394.
If this sermon is too quiet or there are other audio problems, please e-mail Webmaster.
Back-link to a site that links to this sermon.
This sermon has been viewed 1924 times.
Any/all songs are copyrighted by original publishers and are used by permission. CCLI#52394.
If this sermon is too quiet or there are other audio problems, please e-mail Webmaster.
Back-link to a site that links to this sermon.
This sermon has been viewed 1924 times.


text:
Understanding why light therapy works
When you are suffering from the symptoms of Seasonal Affective Disorder (SAD), it may be difficult to believe that sitting next to a light, for light therapy, will help you feel better through the fall and winter. It is important to understand what light therapy, which aims to do the same for you as sitting next to a sunny window in the summer, does for your body.
Does Light Therapy Affect your mood?
It is widely believed that light therapy affects your mood by altering the levels of chemicals and hormones that are made in part of your brain. This happens when spending time near the bright light affects the back of your eye, which in turn sends nerve signals to your brain.
Many researchers believe that the winter, which brings changes of decreased light and increased darkness, affect the body's circadian rhythm, which then causes biochemical changes in the brain, possibly leading to depression. Light therapy is safe and easy, and will help you get through the winter blues.
Those suffering the symptoms of SAD generally spend anywhere from 30 minutes up to three hours in light therapy each morning, tricking your body into believing there is more hours of daylight. Your closeness to your light during therapy will depend on the intensity of the light used in your light therapy, with bulbs generally ranging from 2500 lux to 10,000 lux.
For many people, you will see an improvement from your symptoms of SAD after only a few days of light therapy. It is hard to dispute the energy and positive mood that comes from being near the sun when we are outside in the summer time, in the natural light. Light therapy aims to bring the same type of mood enhancement to those who are suffering during the darkest days of the year.


text:
Top 4 Senate Campaign Storylines at Midsummer
Four months from now, we'll be looking back on Election 2014 evaluating the votes and how they were cast. Will Republicans succeed in their quest to gain the majority in the Senate, or will Democrats weather the six-year itch and retain control? With primary season taking a month-long break, it seems a good time to pause and look back on how the election season has progressed so far. There have been plenty of intriguing storylines surrounding the 36 Senate races on tap this year. Here are four that have caught my attention.
Tea Party influence in Senate races comes up short
A popular theme all year has been the numerous failures of the Tea Party movement. Media outlets have been quick to herald the disappointments as an indication of Tea Party decline. Some conservatives, however, like to point to certain situations where this is simply not true. They say that narrative is just wishful thinking by a liberal media hoping to temper the Tea Party's effect and hasten, if possible, its demise.
They point to Eric Cantor's primary defeat to unknown Tea Party challenger Dave Brat last month as evidence of the earth-shaking punch the Tea Party still packs. To be sure, Cantor's loss rocked the electoral landscape – and the GOP leadership – but as PJ Media's David Steinberg pointed out, the shocking result came about through a perfect storm of many circumstances, only one of which was Brat's Tea Party backing.
While House primary elections have produced Tea Party successes, and, fundamentally, the Tea Party continues to change "the dynamic of Republican politics," the fact that several Senate primaries have been disappointing to Tea Party enthusiasts is undeniable. And the list is not short: Mitch McConnell in Kentucky, Thad Cochran in Mississippi, Thom Tillis in North Carolina, Lindsey Graham in South Carolina, even John Cornyn in Texas. All won the GOP nomination in races where the Tea Party had high hopes going into the 2014 election season. In North and South Carolina, efforts to nominate a Tea Party candidate couldn't even force a runoff against the establishment favorite.
Terri Land's fast start fizzles in Michigan
Democrats have dominated Senate elections in Michigan since current Senator Debbie Stabenow unseated Republican Spencer Abraham in 2000. Between 2002 and 2012, she and senior Michigan Senator Carl Levin never won reelection by less than 15 points. So when Public Policy Polling released a poll back in December giving Republican Terri Land a two-point lead in the race to replace Levin, Republicans cheered the prospect of a competitive race in a state void of GOP Senate election success so far this century.
Polling early this year did nothing to quench Republican excitement. Six of the first eight polls of 2014 put Land ahead of the Democratic nominee, Congressman Gary Peters. Until April, this race clearly leaned in the GOP's direction and represented an unexpected pickup opportunity that threatened to make Democrats' task of holding the Senate in a difficult year that much more challenging.
But the arrival of spring ushered in Peters' striking resurgence. All seven polls released since mid-April give him leads ranging from 3 to 9 points. As a result, Election Projection projects Peters will triumph with a 5.6% margin of victory. That doesn't mean he's a lock to follow outgoing Senator Levin and keep this seat in Democratic hands – Land, a former Michigan secretary of state, is a legitimate contender. But what looked early on like a very promising Republican surprise has taken on the characteristics of a hard-fought Democratic hold.