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Shirley Kistler Broker in Fair Oaks, CA
CalBRE #
Languages Spoken
Professional Designations
Expertise Types
Buyer Broker, Certified Notary, Commercial, Condominiums, Foreclosure, Land, Manufactured Homes, Mobile Homes, New Homes, Property Management, Ranches, Relocation, REO, Residential, Residential Investment, Rural Land, Short Sale, Single Family Homes, TIC, Townhomes
Professional Designations:
Broker - California Department of Real Estate, Certified Short Sale Specialist (SFR) -- Certified Home Affordable Foreclosure Alternatives (HAFA) Specialist
Real Trends - 2013 California Top 500 Agents - #240
Residential Single Family Homes, Condominiums, Town homes, New Homes, Residential Investment, Ranches, Land, Mobile Homes, Short Sales, Foreclosure, Bank Owned (REO), Relocation, Commercial, Industrial and 1031 Exchange Properties.
Serving your Real Estate Needs in Sacramento, Placer and El Dorado Counties
I have been self employed for over 40 years in Sales and Marketing positions. I have been excited about the Real Estate business for over 35 years and Real Estate Broker for Realty World A+ Real Estate for over 14 years. I am experienced in selling and listing single family homes as well as multi units and commercial/ industrial properties. As an investor myself, I like the opportunity of helping clients invest for their future. I can guarantee you honestly and integrity when you choose to work with me, my office and my associates.
As part of your real estate team, my 35+ years experience in real estate sale and contract negotiating experience is your best edge in today's competitive market. As a part of your real estate team I will represent you during the presentation of all contracts throughout the sale and closing of your escrow. My priority as your agent is to help you negotiate the best possible price and terms during the sale or purchase of your dream home. My knowledge of the current real estate market and the ability to obtain information is important in all real estate transactions.
The comprehensive marketing plan and sales strategy I will provide you will be your deciding factor in hiring me and my staff to represent you in all phases of real estate.
My office is updated weekly with new programs to facilitate a smooth, quick closing for our clients. The Home Affordable Foreclosure Alternatives "HAFA" certification deals with the current short sale information which would help a seller in need and may provide cash funds for moving expenses at the close of escrow from this program. The Short Sale & Foreclosure Resource "SFR" certification is also held by all agents in my office.
- California Department of Real Estate - Broker
- National Association of Realtors
- California Association of Realtors
- Sacramento Association of Realtors
- Outstanding Life Member – Master's Club – Sacramento Association of Realtors
- Realty World America – Buyer's Agent Certification
- National Association of Female Executives
- Member of President's council Women's Business Owners
- Member of Aid to Homeless and Underprivileged Children
- Founder – Balloon-A-Tic, a non-profit society for needy children in Sacramento and Placer County.
- Women's Shelter, Placer County.


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Aerials & Finales
You Have Potential
Do you know how overwhelming 9 huge shots of red, green, blue and white stars can be? Are you aware of the incredible effect this display of colors will have on the neighbors at your backyard show? If you do, then You Have Potential!
Product Features
Maximum Charge
This product contains 500 grams of powder - the maximum allowed by law in the US!
No-Dud Guarantee
All TNT® Fireworks feature our renowned "No-Dud" guarantee! In the rare event of a non-performing item, your purchase price will be fully refunded.

subset: commoncrawl


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Product Description
The Sys*Stim 208 is a one channel, low-volt stimulator with Surge, Pulse and Tetanize modes. It has easy-to-operate knobs that control stimulation intensity and frequency, a digital timer and a remote patient cut0off switch.; It is a small, portable stimulator with a clinical appearance. Weight: 1.4 pounds Dimensions: 2.5 in. (H) x 6 in. (D) x 8 in. (L) NOTE: This device is a controlled by the Food and Drug Admistration (FDA) and can only be sold to a licensed Purchaser or have a Prescription for Device. Verification must be provided to ship unit !!


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Communities - Area Info
Columbus Township
Plenty of open space between neighbors in this rural community of about 3,100. Residents enjoy the quiet atmosphere. Schools are generally Richmond Schools. Demographics
Officials: Supervisor Rod McCue, Clerk Pat Iseler, Treasurer Ann Colley, trustees Ron Olkowski and David Houston.
Township Hall: 1732 Bauman Road. Hours: 9 a.m. to noon, Monday- Thursday. 727-2055. Fax: 727-9871
Business: Mostly agricultural with some mining, natural gas and oil exploration.


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This plant has been used as an herbal remedy for its anti-inflammatory and healing properties since the Middle Ages. Many ancient herbalists, including Hippocrates and Pliny, recorded the medicinal properties of St. John's wort. It was noted for its wound-healing and diuretic properties as well as for the treatment of back pain.
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Taste the Mediterranean flavour's!


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Ciara Shares the Stage With Nicki Minaj at the 2013 BET Awards [VIDEO]
Here's one word to sum up Ciara's performance at the 2013 BET Awards: "Whoa." She and her buddy Nicki Minaj kicked off the event with their collaboration 'I'm Out.'
With Minaj spitting her rapid fire verse on the track, it's no wonder she won for Best Female Hip-Hop Artist!
Meanwhile, Ciara was looking better than ever in her money-printed pants and sheer top over a teeny-tiny black crop top as she started into her slow jam 'Body Party.' This is where both her stellar singing and dancing skills shined, with or without her harem of amazing backup dancers. This girl knows how to put on a show!


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(COLOUR: 040 Always Chic)
'Your secret to vibrant, all-day luscious lips, with up to 8 hours' long-lasting wear. It glides effortlessly across your lips leaving bold colour and a cashmere soft feel.'
Intense colour and conditioning moisture that lasts.
Up to 8 hours of vibrant, nourished colour that doesn't dry out lips.
Infused with nourishing oils, this long wear lip colour doesn't crack, crumble or bleed.
Your high-impact lipstick that's long lasting and effortless to apply.
As I've said before I'm not a huge lipstick wearer, I am more a fan of glosses. Lipstick just never seems to work out for me, with the effort and the cracking and the way it's only left on the outer parts of my lips! However, once I started using the Maxfactor Colour Intensifying Lip Balm – I actually fell in love. I was using a hot pink colour all summer and just SUPER impressed with the colour pay off.
So, when this Maxfactor Lipfinity Long Lasting Lipstick (that's a mouthful) landed on my door step I had to try it! It's totally different to any lipstick I have tried before in that it is really balmy and moisturising. It's also highly pigmented so you literally glide it on in seconds and don't have to keep touching it up.
It is very long lasting, like the Colour Intensifying Lip Balm, and it is supposed to give up to 8 hours' wear. I agree it is long lasting but 8 hours would never last with me! I talk, drink and eat way too much!! However, minimal touch ups are required and as I said it is super easy to apply and because it feels so moisturising you actually WANT to reapply it!
As Summer comes to an end I think I'll have to give up my hot pink shade and change to something a little more 'autumnal'…this shade 'Always Chic' is lovely but I'm probably going to try something darker too.
Let me know if you try it or have reviewed other shades 😉
Thanks for reading! x


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By joining KYB Connected, you get insider access to the inner circle at KYB Dressage.
- Follow Team KYB in real time as we train, learn, show and perform
- Get full access to our videos, tutorials, interviews, updates, interactive forums and more!
- Receive our quarterly newsletter, filled with horse training and care information
- Be part of Team KYB with direct access to our entire team
- Receive discounts on all KYB Dressage merchandise
- Be eligible to win our many contests, including:
- Backstage Passes for our Exhibitions and Events
- Private lessons and training sessions with Yvonne and Kim Barteau
- Products and Equipment
- We are even giving a grand prize of a purebred Arabian horse in 2015!
Register New Account
Terms of Use: You do not have an automatic entitlement to Membership and KYB may, at its sole discretion, elect to: (a) refuse your request to become a Member; or (b) once Membership is granted, suspend, terminate or restrict your Membership at any time. KYB is not obliged to give reasons for any decision it makes to suspend, terminate or restrict your Membership or to reject your request to become a Member. Your Membership is non-transferable and it is non-refundable. Once Membership is granted you will only be able to access all areas of the site with use of the username and password you set up at the time you become a Member. You are responsible for each and every access or use of the site that occurs in conjunction with use of your username and password. Use of your username and password is conclusive evidence that you have accessed the Membership sections of the site. You must use all reasonable efforts to keep your username and password confidential. You must not allow any third party to access the site using your username and password and make use of the site on your behalf. You must notify KYB in writing as soon as you become aware of any unauthorized use of your Member Account, username or password.You acknowledge and agree that you are liable for, and will indemnify KYB, its related bodies corporate, affiliates, officers, directors, agents and employees against, any and all claims made by a third party arising out of your access to, and use of, the site as a Member.


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I'm gonna present you guys with this nice korean song which I'm gonna call it "mid-week refreshment". This song is an old one. I've listened this songs a few years back but it is still good.
This is a "Lied für Mittwoch".
Have a nice day and Enjoy!!!
Thank you very much. Vielen Dank!!.


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Live Reviews
Free Membership!
Scott Moffatt Makes Record Without Brothers
Published: 2006-05-15
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Former Moffatt member Scott Moffatt is getting ready to release his first record without his brothers to back him.
Scott was a member of the Moffatts, a country, turned pop, turned pop-rock group, since he was just a small child. During their pop and pop-rock phases the boys gained the kind of Hanson-esque screaming success any pop group could ask for.
Since then the all-brother group comprised of Scott and his triplet brothers Bob, Clint and Dave have split, musically anyway. Clint and Bob started a group called Hidell and Scott was a member of The Boston Post for a while before heading off on his own.
After moving to LA the oldest of the Moffatt brothers started work on his solo record
The Allegory of the City
. According to his myspace, Scott wrote, performed, mixed and produced the whole album all by himself though he did have some help from his fans for inspiration, "He launched the project late last year on his personal myspace, asking fans to send in instruments they found around the house, sound effects they recorded and household objects he could use in the recording process. Beyond an acoustic guitar, the entire record is composed from instruments those fans all over the world contributed."
Going along with the do-it-yourself aesthetic Mr. Moffatt is also distributing the album through his website and myspace. Pre-orders placed before June 19 will also get a bonus EP. The albums will be shipped in late June.
If you're looking for a taste of what the album will sound like you can have a listen to "The City's Teeth", "These Walls" and "Perilously Here" at Scott's official myspace. Here are all the tracks that will be on the disc:
"The City's Teeth"
"The Way It Rains On Your Home"
"Three Songs To Explain:
Part One: Making You Appreciate;
Part Two: Loaded Questions;
Part Three: And The Body Crawls Back To The Warm Ranch"
"What Were They Looking For?"
"These Walls"
"Perilously Here"
"Sorry Elly, I'm A Line Kook"
Writer: Michelle Garcia
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The link to the myspace is http://myspace.com/scottmoffattmusic ... you can buy the record at http://scottmoffatt.com :)
Posted by:
on May 15, 2006
Can't wait to get this cd. So far, it sounds awesome.
Posted by:
on May 20, 2006
well.. i wanna download the songs of The Allegory of the City but i cant find any where thx..
Posted by:
on July 27, 2006
Are you happy now,Scott?
Posted by:
on September 06, 2006
where can i buy that album!!!!!! i wanna have it.....!!! i have the moffatts' album since theyre started...:)
Posted by:
on September 15, 2006
perilously here is great.sounds like
"spy" from submodalities.
Posted by:
on September 19, 2006
Scott please get you Dave, Bob and Clint back together and go back to being the Moffatts. You guys were so awesome together.
Posted by:
on October 26, 2006
Scott I Love you very much...i'm kim 18yrs.old.. and you are my idol when it comes to music.. I already knew you since I'm only ten yrs.young.. muah.. be good ...
Posted by:
on April 30, 2007
hi im sheryl from the philippines, iv'e been your fan since i'll be there 4 u music. tomorrow june 24, 2007 we will having a moffatts fans reunion here in the philippines.
we miss u guys love u!
Posted by:
on June 23, 2007
Hi Scott! I miss the Moffatts Band terribly! Is there any chance in the world that the Moffatts will get back together??? Been your fan since The Moffatts album came out. I really really really LOVE your music! Love ya!
Posted by:
on August 06, 2007
i love the moffatts very much
Posted by:
on August 17, 2007
LoV3 U Scott,
will the moffatts back together again?
Plisss,get bob,dave n clint back with U..
big huge from Indonesia
Posted by:
on November 12, 2007
clint and bob are recording in nashville helped by scott moffatt. while Dave has just left his last band "lights out love" this middle january 2008. listen LOL (dave's last band) on www.myspace.com/lightsoutlove
Posted by:
on January 24, 2008
Hi Scott! I miss you so much! I'm glad you're back! Hope to hear it from you soon. I love you always! mmmmmwaahh!!!!
Posted by:
on July 16, 2009
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to post a personalized comment, or you may simply post as an Anonymous user.
SPEAK OUT! Post your comments about this article here.
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Here is my take on it.
Ah... I couldn't resist coloring up those fun birds! =)
The birds from the new Birds of Paradise set are stamped with Antique Linen Distress Ink and colored with Copic markers. And yes, this is a one layer card! =)
The sentiment comes with the Birds of Paradise set.
That's all from me. Don't forget to find to what my talented teammates came up with using this sketch and see all the challenge details over at MFT Challenge & Inspiration Blog! Hope you can join us this week! =)
Have a fabulous day and thanks for stopping by!
Affiliate links are used in some cases! =)
cardstock: (Rustic White) Papertrey Ink
clear stamps: (Birds of Paradise) My Favorite Things
dye ink: (Antique Linen) Ranger Industries
hybrid ink: (Chocolate Brown) My Favorite Things
accents: (green enamel dot) Simple Stories, (red enamel dot) My Mind's Eye
Copics used:
Large Bird: C1, C00, 0, Y38, Y18, Y08, Y06, YR09, YR04, YR15, BG05, B04, B02, T10, T8, T6, T4
Small Bird: Y18, Y08, YG17, YG25, YG03, V17, V15, V12, R24, R22, R21, C1, C00, 0
leaves & flowers clusters: E59, E57, E55, YG67, YG17, YG25, G28, YG17, YG03, V17, V15, V12, Y38, R37, R17, R14, R22, R21, R20, Y38, Y18, Y08
card size: 3 5/8" x 5 3/8"


text: St. Mary's Cathedral, Gough Street at Geary Boulevard, San Francisco, Feb. 10, 11 a.m., Cardinal William Levada, former Archbishop of San Francisco and retired head of Vatican's doctrine of the faith office, principal celebrant. Mass commemorates World Day of Sick and anointing of the sick and their caregivers will take place. All are invited. Event is sponsored by the Order of Malta, which will arrange rides for people who need them. The Order of Malta says: "Bring a friend who is sick and experience a special time of prayer and sharing, of offering one's suffering for the good of the church and of reminding everyone to see in his sick brother or sister the face of Christ." Knight Kenneth Ryan, (415) 613-0395, firstname.lastname@example.com.


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For three elections in a row—1984, 1988 and 1992—Michigan voted within 1 percent of the national average for all major presidential candidates. In the last three elections—1996, 2000 and 2004—Michigan voted 3 percent more Democratic than the nation as a whole. This despite the fact that Al Gore and John Kerry both backed higher gas mileage standards, opposed by both the Big Three auto companies and the United Auto Workers, and despite John Kerry's wobble on diversion of Great Lakes water ("It's a delicate balancing act. There are different ways of managing water rights with remunerations and the appropriate respect to states' rights"). Most of the difference can be accounted for by the move toward Democrats on cultural issues in the nation's largest metro areas, including Detroit. Republicans used to be able to count on big margins in affluent Oakland County, but it voted by narrow margins for Bill Clinton, Gore and Kerry. Macomb County, somewhat less affluent, heavily Democratic in the 1950s and 1960s, then trended Republican in the 1970s and 1980s, and is now closely divided, voting for Gore in 2000 and George W. Bush in 2004. Voters in union households voted 61 percent-37 percent for Kerry—a sign that union loyalty is not entirely a thing of the past—but they comprised just 37 percent of the electorate, down from around half in the 1970s. Michigan was a battleground state throughout the 2004 campaign, and both sides made great efforts to get out the vote. Both sides had their successes—Democratic turnout surged in Ann Arbor, Republican turnout surged in exurban Livingston County and northern Macomb County. But both had their disappointments as well. Turnout in Detroit, which voted 94 percent for Kerry, rose only 9 percent; the Republican margin in heavily Republican metro Grand Rapids declined, as the central city voted for Kerry. As in Ohio, the winning party's 2000 margin was reduced, but not enough for Kerry to carry Ohio or for Bush to carry Michigan.
Michigan has had problems getting influence in the presidential selection process. One reason is that it does not have party registration, which is required by Democratic party rules. So Michigan Democrats have to select their delegates through caucuses. In 2003, the Michigan Democratic party, led by Senator Carl Levin, attempted to challenge New Hampshire's first-in-the nation status by moving the 2004 Michigan Democratic caucuses to the same January date as the New Hampshire primary. Levin questioned why Iowa and New Hampshire should always vote first. But national Democrats threatened not to recognize the Michigan delegation, and Michigan Democrats backed down. Levin and Debbie Dingell, wife of Congressman John Dingell, did extract a promise of a new commission to reexamine the delegate selection process after the 2004 election. It was duly appointed and the Democratic National Committee voted to allow two new early contests, a Nevada caucus and a South Carolina primary: not the result Michigan Democrats hoped for. In December 2006 Michigan Republican Chairman Saul Anuzis said that he and Democratic state Chairman Mark Brewer agreed that Michigan should hold simultaneous primaries; in September 2007, Governor Jennifer Granholm signed a bill setting a Jan. 15 primary date, the earliest in state history. The Democratic National Committee then penalized the state, voting to strip Michigan of its delegates. The delegates were eventually reinstated at the Democratic National Convention.
|Hisp. Origin
|78.6% 14.1% 3.3% 4.0%
|Median Income
|48451 44667
|38 40%
|298% 32%
|14% 12
|Blue Collar
|22.9% 27.6%
|White Collar
|60.0% 57.1%
|High School Grad.
|2984% 83.4%
|College Grad.
|2727% 21.8%
|Total Raised
|Barack Obama
|John McCain
Sources: Federal Election Commission;
The National Journal; Census Bureau; Bureau of Labor Statistics; Project Vote Smart
* Margin of Sampling Error


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This is an MF standalone.
Ryan "Cass" Cassidy was once a pristine young man. A figure of the All American male. Trim, clean cut, church every Sunday, until the people who were supposed to have his back betrayed him. That betrayal sent him to prison for 13 years.
Once out he has nothing on his mind but revenge and retribution. He's had years to plan, years to make connections, years…..now it's time.
This book is not your typical contemporary romance. This book is full of human flaws, revenge, cheating, lying, profanity, and sex!!!
Tap Dancing With the Devil follows Ryan on his quest and the roadblock that is love.
Purchase: http://amzn.to/2q91H2v


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Do you offer discounts?
We're happy to provide the organization a discount on yearly consumer plans for eligible non-profit organizations. Contact us to discuss your eligibility and get started.
InVision is also proud to work with both students and accredited universities to ensure students have access to the best tools in the classroom. Feel free to visit our educational overview which details current offers, features, and implementation strategies relevant within the classroom.


text:
Today is a good day to be the owner of a Canadian Galaxy S III. Samsung announced the Jelly Bean update for the device a couple of days ago, and now those with a Galaxy S III on Bell, Rogers, TELUS and Virgin are reporting that they are seeing notifications that the update to Android 4.1 Jelly Bean is ready to be downloaded! The update is rather large sitting at a whopping 318MB, but it's well worth the time it takes for it to download and install. I got the Jelly Bean update a couple months back on the ASUS Transformer Pad TF300, and while it wasn't a smartphone, the update was pretty amazing. Google Now is probably one of the best additions to the Android platform that we've seen in quite a while, in my opinion.
Now that most of Canada has the Jelly Bean update, we just need other carriers here in the U.S. to start rolling the update out. It's a surprise to me that Sprint was able to roll it out quite a while back and the United States' two largest carriers can't get it out just as fast. Definitely quite an annoyance that Verizon or AT&T hasn't rolled it out yet.
Ah, the beauty of those who own a Nexus device. I must say, I'm feeling a bit jealous of Nexus owners right now.
Did you get the update to Android 4.1 yet? If you have, let us know how you're liking it in the comments below!
source: Android Central


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POW Bandi Yuddh Ke 30th January 2017 Written Episode Update
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POW Bandi Yuddh Ke 30th January 2017 Written Episode, Written Update on TellyUpdates.com
The Episode starts with Vikram recalling Imaan and Sartaj's words. Duggal says its gets fearing to think more, I came here as Imaan and Sartaj's transcripts has this song, who is there across border who knows this, there is some hidden connection, this message is connected to Imaan and Sartaj, what do you think.
Arjun teaches dance steps to Sartaj. Sartaj says no. Arjun insists. They dance. Harleen laughs. Sartaj sees her and stops dancing. Veera says I think Sartaj made some plan. She teases Harleen. Harleen smiles and goes. Sartaj smiles. Satpal says I had this plan of dancing when I passed 5th. Sartaj says yes, I m going to pass some test today. Nazneen tells about her recipe, how Salim helped her and encouraged her to cook. She says its almost ready. The people clap for her. Payal and Nazneen have a talk.
Payal asks her to attend the fest. Nazneen says its for organizer's profit, not ours, if they like book, they can buy book, they won't get author. Nazneen leaves. Shaira calls her. Nazneen asks Shaira about shopping. Shaira says Imaan and Ayaan are still shopping. Nazneen suggests clothes for them. Shaira says if this works, I will agree to you. Shaira tells Ayaan and Imaan to try Nazneen's choice. Nazneen says I m on the way to airport, I m heading to Kishangunj, I m proud of you, how you handled Avi's matter. Shaira makes excuse and ends call. She recalls Avi and gets sad.
Imaan and Ayaan try clothes. Shaira smiles seeing them. They leave. Ayaan says we will see some jackets. Shaira says no way. Imaan sees the NGO lady Aparna and greets her. Imaan jokes. He introduces Shaira and Ayaan. Aparna asks about his wife Nazneen. Imaan says she is in Mumbai for a book tour. He signs Ayaan and Shaira to go. He says Nazneen and I are divorced. Aparna says I m sorry. Imaan says who knows we can meet here again. Aparna hugs Imaan and goes. Imaan asks Shaira and Ayaan to come. They laugh.
Harleen comes to room and sees a surprise. She finds clothes, jewelry and a note. Sartaj writes shayari. He writes its enough that I express love. She smiles. Sartaj asks Satpal to get Bau ji and Veera in car, where is Harleen. Harleen comes and smiles. Sartaj gets glad seeing her. Sartaj and Harleen leave in tractor. They reach the petrol pump for inauguration ceremony. Harleen does aarti. Sartaj breaks coconut.
Sartaj welcomes Imaan and family. Sartaj gives the scissors to Harleen, asking her to do the inauguration. He says there is wife behind every successful man I want you to be ahead, not behind. She recalls his words. She cuts the ribbon.
Sartaj attends guests. Nazneen comes and hugs Imaan, complimenting him. Shaira takes her to meet Harleen. Satpal asks Sartaj and Imaan to take pic. Satpak tells about pictures right papers. Sartaj shuts his mouth. They laugh and take pic. Back to Singh house, Imaan gets Sartaj and says its big day for Sartaj, so he wants to tell us something. Everyone clap. Nazneen wishes all the best to Sartaj.
Sartaj goes to Harleen and says on marriage day, 17 years ago, I went on duty, leaving my bride alone, such loneliness which continued after 17 years, and when I returned from prison, I saw the bride waiting with tears in eyes, then started a story of staying with a stranger, I got all my bitterness on her, I cursed her for my bad fate and asked for divorce, I felt my sorrow is very big and her sorrow is nothing, but I was wrong, because Harleen was also a prisoner of war like me, Harleen kept loving and I just ….. I did not understand emotions, now I understood her value. He says I told my heart out, now I want to say a lot, Harleen asked me to prove love. I m expressing it, think its everything. He shows divorce papers and tears it. Everyone get glad and clap. Harleen says you took much time to understand, how much will you take to hug. Sartaj lifts her. They all clap. Sartaj says Imaan told to forget past and live in present, now my present starts. He takes Harleen to their room. They smile. They get close.
Siddhant tells about their team going across border. Vikram tells Imaan about the activity at LOC. Lala talks to Siddhant. Vikram says maybe Siddhant is alive. They check satellite images.
Update Credit to: Amena
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June Update from our Chief Executive
30 May 2014
It is of course our intention to be able to send your Credit Union statements and Bluenotes directly to your Inbox, however it will take us some time to work through security and privacy issues before we are able to do that.
In this issue we celebrate how we have been able to increase our term deposit rates to a market leading interest rate of 4.40% p.a. for 9 or 12 months. Due to the increase in the Official Cash Rate we have not only increased our term deposit rates but we have taken the opportunity to increase our Bonus Saver to a combined interest rate of 4.35% p.a., paid monthly.
Do check out our new guest columnist - Money Penny, who will be providing tips and hints to help us make our money go further. And, why not enter our competition to win an iPad Mini by sending us your best tip for making money go further?
I am delighted to advise that we are in the process of developing Mobile Banking for both Apple and Android phones and tablets. With some hard work from our dedicated team, we are looking to have this available to you before the end of July.
As always, if you have any feedback please contact me directly on 04 471 4850 or email email@example.com


text:
Compare and Contrast the Marxist and Functionalist Interpretations of Education in Society
Compare and contrast the Marxist and functionalist interpretations of education in society.
The role of education is to educate individuals within society and to prepare them for working life in the economy, also to integrate individuals and teach them the norms, values and roles within society. There are many different sociological theories that differ within the role of education within society that attempt to try and explain how society or aspects of society work together. Different theories try and attempt to understand social behaviour at different levels of investigation. There are several perspectives on the sociology of education that are important. The two perspectives which …show more content…
Marxists believe that education is apart of a superstructure of society. Marxism is concerned with the different experiences within the world of education. They are concerned how some groups often lose out than others. In education they note the different experiences of society. For example different class groups, ethnic minority groups, age groups and different roles, norms, values, culture etc. Also recognise that individuals have different hopes, interests and expectations. They also note the values transmitted by schools however it's not always the values that are important to all groups that attend schools; they draw attention to the different culture of groups that make up the schools population. Sociologists also draw attention to he different links between the education


text:
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@giorodriguez: If the Dominican Republic beats The Netherlands tonight -- in the 2013 World Baseball Classic semifinal -- you can bet that Twitter will light up
All last week, my Puerto Rican friends from other cities have been bugging me: why aren't you cheering on the Puerto Rican team at the 2013 World Baseball Classic? The event is being held at AT&T Park in San Francisco. Never mind that I live about 50 miles south, or that I have been crazy busy with work. I am a Puerto Rican -- conspicuously so -- and I live in the Bay Area. I should be spending my evenings at the famous AT&T stadium. Puerto Rico is playing in the finals tomorrow night, after crushing the US (wait -- aren't we part of the US?) and last year's champion, Japan. I am not a big flag waver, but if this were another time in my life, I'd be there.
But there's another reason for me to take a more serious interest in this contest. Tonight, Puerto Rico's opponent will be decided. And who's competing for that honor? The Netherlands (or the Kingdom of The Netherlands, as the announcer on TV just reminded me) and the Dominican Republic.
This is big for at least three reasons:
--If you have been following this column, you already know that Latinos outperform almost all other ethnic groups on social media. If the Dominican Republic beats The Netherlands tonight in the semifinals, you can bet that Twitter will light up. Already it has, just in anticipation of this event.
--One of the most vibrant Hispanic social media communities is called LATISM. The founder (Ana Castro)? Dominican. The community leader for LATISM (Elianne Ramos)? Dominican. Trust me, these ladies are powerful on social channels. They may be ethnically ecumenical -- they will be cheering for both teams -- but can you blame them for rooting for the hometown favorite? Not me.
--Finally: something closer to my heart. I have long held that PR and DR have so much in common. It would be wonderful to see our finest baseball players competing for a real world baseball title (don't get me started). For me, the differences between the two cultures are real but muted, and the subtleties are captured in food. One culture (PR) has a dish called mofongo -- plantains boiled, beaten, then fried in animal fat (but not always in animal fat). The other has mangu -- plantains boiled, beaten, then drizzled (not fried) with olive oil. I grew up with one dish, but I have learned to love both. Update: Credit to Miguel Guadalupe and Natascha Otero and others, who saw the mofongo-mangu connection a while ago.
Wondering what they will be serving at the ballpark tomorrow night. Doubt it will be either mofongo or mangu. But it may be time to refresh the ballpark menu, don't you think? Baseball is in fact a world sport.
UPDATE: 9:18 PM PACIFIC: It is on. The DR beat The Netherlands, 4-1.


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2016 proved to be a remarkable year for The 1975. The Manchester indie rockers smashed last year, proving themselves to be one of the most current exciting forces in music around.
Beginning with the release of their second album 'I Like It When You Sleep, For You Are So Beautiful Yet Unaware Of It', the band now boast Brit Awards, Mercury Prize and NME nominations, as well as topping both The UK and US charts.
To top it all off, the band then embarked on a huge arena tour, selling out the 02 within just 3 hours! I was there to capture the event. (15th of December)
As a photographer, I tend to notice the things your usual concert goer wouldn't see. The 1975's visuals were a true work of art, the stage lit with an extravagant light show of skyscrapers and those now iconic 'glowing rectangles' hanging above. Matty himself was rocking a strange combination of a suit and slippers, wine glass in hand, creating a real spectacle of a show. Something truly eye-catching and memorable, a hint of edginess alongside an unforgettable performance, compromising odd dance moves with dark and atmospheric instrumentals.
The 02 was a truly beautiful night and emotion in the venue was clear. Fans cheering and crying, expressing a strong love towards the band and for music. Matty addressed a shroud hanging over many young people's shoulders, delivering a powerful and motivating brexit speech which created a dynamic sense of unity throughout the venue. A night where everyone could feel accepted and as one.
To say that the band have had a successful past year may be somewhat of an understatement and I'm sure that we're all looking forward to seeing where 2017 takes The 1975 next.
The band are playing a sell out show as part of BRITs week in aid of War Child at The Dome, Tufnell Park London on the 21st of February. More info can be found here: http://www.dometufnellpark.co.uk/all-events-1/2017/2/21/the-1975


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Nicholas Biddle (banker)
Nicholas Biddle
|President of the Second Bank of the United States
|In office
January 6, 1823 – March 3, 1836
|James Monroe
John Quincy Adams
Andrew Jackson
|Preceded by
|John Barclay
|Succeeded by
|Position abolished
|Member of the Pennsylvania State Senate from the 1st district
|In office
|Preceded by
|Langdon Cheves
|Succeeded by
|William Maghee
|Personal details
|January 8, 1786
Philadelphia, Pennsylvania, U.S.
|February 27, 1844 (aged 58)
Philadelphia, Pennsylvania, U.S.
|Political party
Jane Craig
(m. 1811; his death 1844)
|6, including Charles
|Charles Biddle (Father)
|University of Pennsylvania
Princeton University (BA)
Nicholas Biddle (January 8, 1786 – February 27, 1844) was an American financier who served as the third and last president of the Second Bank of the United States (chartered 1816–1836). He also served in the Pennsylvania General Assembly. He is best known for his role in the Bank War.
A member of the prominent Biddle family of Philadelphia, Nicholas Biddle worked for prominent officials such as John Armstrong Jr. and James Monroe in his youth. After returning to Philadelphia, he won election to the state legislature. While serving in the legislature, he successfully lobbied Congress and President Monroe for the creation of a new central bank, which became known as the Second Bank of the United States. In 1822, Monroe appointed Biddle as the third president of the bank. Biddle would continue to serve as the bank's president for several years, during which time he exercised power over the nation's money supply and interest rates, seeking to prevent economic crises.
At the request of Henry Clay and other Whigs, Biddle asked Democratic President Andrew Jackson to renew the bank's federal charter in 1832. Jackson, who held a deep hostility to many banks, declined to renew the charter, beginning a political debate known as the Bank War. When Jackson transferred the federal government's deposits to several state banks, Biddle raised interest rates, causing a mild economic recession. The federal charter expired in 1836, but the bank was re-chartered by Pennsylvania. Biddle continued to serve as president of the bank until 1839.
Ancestry and early life[edit]
Nicholas Biddle was born in Philadelphia, in the Commonwealth of Pennsylvania[1] on January 8, 1786 into a prominent family.[2] Ancestors of the Biddle family immigrated to Pennsylvania when the proprietor, William Penn (of the Religious Society of Friends, or "Quakers") visited,[3] and fought in the pre-Revolutionary colonial struggles. His father, Charles, was prominent in his devotion to the cause of American independence[1] and served as Vice-President of the Supreme Executive Council of Pennsylvania, alongside Council President, the famous Benjamin Franklin (1705/06–1790).[citation needed]
His paternal uncle and namesake Nicholas Biddle (1750–1778), whose residence was also in Philadelphia, was an early colonial and American Revolutionary War naval hero, who died during the rebellion. Another uncle, Edward Biddle, was also a member of the First Continental Congress of 1774.[2][4] Young Nicholas's preparatory education was received at an academy in Philadelphia, where his progress was so rapid that he entered the class of 1799 in the University of Pennsylvania (formerly the "Academy", then the "College of Philadelphia" until 1791), and would have taken his degree at the age of thirteen had it not been deemed wise to keep him longer at his books. He was accordingly sent to Princeton (formerly the College of New Jersey), entered the sophomore class, and was graduated in 1801 as valedictorian, dividing the first honor of the class with his only rival.[1] His younger brother Thomas Biddle, a War of 1812 hero who died in a duel, should not be confused with his cousin by the same name, who became a leading exchange broker in Philadelphia.[citation needed]
Biddle was offered an official position before he had even finished his law studies. As secretary to John Armstrong Jr. (a Revolutionary War officer, delegate to the Continental Congress, later a U.S. Senator, United States minister to France, and Secretary of War under fourth President James Madison during the War of 1812), he went abroad in 1804 and was in Paris in the new French Empire at the time of Napoleon Bonaparte's coronation.[1] Afterward he participated in an audit related to the "Louisiana Purchase" by the United States of the territory west of the Mississippi River, acquiring his first experience in financial affairs. Biddle traveled extensively through Europe, returning to England to serve as secretary for James Monroe, then United States minister to the Court of St. James's (Kingdom of Great Britain). At Cambridge University, Biddle took part in a conversation with Cambridge professors involving comparison between modern Greek dialect and that of Homer; the incident captured Monroe's attention.[1]
In 1807, Biddle returned home to Philadelphia. He practiced law and wrote, contributing papers to different publications on various subjects, but chiefly in the fine arts. He became associate editor of a magazine called Port-Folio, which was published from 1806–23. When editor Joseph Dennie died in 1812, Biddle took over the magazine and lived on 7th Street, near Spruce Street.[1]
Lewis and Clark[edit]
Biddle also prepared western explorers Lewis and Clark's report for publication of their exploratory expedition up the Missouri River[1] through the newly acquired Louisiana Purchase from France (previously recently owned for generations by Spain), across the Rocky Mountains and the Oregon Country of the Pacific Northwest to the mouth of the Columbia River on the far Pacific coast, and he encouraged third President Thomas Jefferson to write an introductory memoir of his former aide and private secretary, Captain Meriwether Lewis, (1774–1809).[5] However, Biddle's name does not appear in the work, as he was elected to serve on the Pennsylvania state legislature (1810–1811) and was compelled to turn over the project to Paul Allen, (1775–1826), who then further supervised its publication. With the consent of all parties, Allen was then recognized as the editor.[1][5]
Pennsylvania General Assembly[edit]
Biddle served as a Federalist member of the Pennsylvania House of Representatives in 1810, and then in the Pennsylvania State Senate for the 1st district from 1813 to 1815.[6][7] He originated a bill favoring popular education almost a quarter of a century in advance of the times. Though the bill was initially defeated, it resurfaced repeatedly in different forms until, in 1836, the Pennsylvania "common-school" system was inaugurated as an indirect result of his efforts.[1][8]
The Bank of the United States[edit]
Early years[edit]
After Biddle moved to the Pennsylvania State Senate, he lobbied for the rechartering of the Second Bank of the United States. It was on this subject that he made his first speech, which attracted general attention at the time, and was warmly commended by Chief-Justice Marshall and other leaders of public opinion.[1]
The Bank had been revived and reorganized from the earlier First Bank of the United States, established in 1791 under the administration of first President George Washington, and after a chartered term of 20 years, expired in 1811 on the eve of the monetary pressures of the coming War of 1812 era. After economic hardships and problems financing the Government and its war measures during the War of 1812 to 1815, and a period of dormancy, a newly revived and reorganized Second Bank of the United States was rechartered in 1816 under fifth President James Monroe, who appointed Biddle as a Federal Government director and representative. When the Bank's president, Langdon Cheves, resigned in 1822, Biddle became its president.[9] During his association with the Bank, President Monroe, under authority from Congress, directed him to prepare a "Commercial Digest" of the laws and trade regulations of the world and the various nations. For many years after, this Digest was regarded as an authority on the subject.[1]
In late 1818, $4 million of interest payments on the bonds previously sold in 1803 to pay for the "Louisiana Purchase" was due, in either gold or silver, to European investors. The U.S. Government had to get its hands on additional amounts of specie, i.e., silver or gold. As the Government's fiscal agent, the Bank was required to make this payment on behalf of the Government. The Bank was forced to demand that the private commercial banks that had been lent money in the form of "fiat" paper must now repay in specie, which was then sent to Europe to pay the government's creditors. This rather sudden contraction of the country's monetary base after three currency and rampant speculation based on debt led to the financial Panic of 1819.[citation needed]
Meanwhile, in Tennessee, General and future Presidential candidate, Andrew Jackson was hard-pressed to pay his debts during this period. He developed a lifelong hostility to all banks that were not completely backed by gold or silver deposits. This meant, above all, hostility to the new Second Bank of the United States.[citation needed].
As Bank president, Biddle occasionally engaged in the newly-developing national techniques of "central banking" – controlling the nation's money supply, regulating interest rates, lending to state banks, and acting as the U.S. Government's fiscal agent. When state banks became excessive in their lending practices, Biddle's Bank acted as a restraint. In a few instances, he even rescued state banks to prevent the risk of "contagion" spreading. He was also important in the 1833 establishment of Girard College, an early free private school for poor orphaned boys in Philadelphia, under the provisions of the will of his friend and former legal client, Stephen Girard (1750–1831), one of the wealthiest men in America. Girard had been the original promoter of the revival and reorganization of the Second Bank and its largest investor.[10]
On August 26, 1831, Biddle's brother, Thomas, a War of 1812 veteran, was killed in a duel on "Bloody Island" on the Mississippi River at St. Louis, Missouri with U.S. Representative (Congressman) Spencer Pettis. Thomas had taken offense to Pettis' criticizing Nicholas at the bank. After an exchange of letters to the editor of a newspaper, Biddle accosted an ill Pettis in his hotel room. After Pettis recovered, he then challenged Thomas to a duel, and both were killed when they exchanged shots from five feet apart.[11]
Bank War[edit]
The Bank War began when seventh President Andrew Jackson began criticizing the Bank early in his first term. Biddle, at the urging of Henry Clay and other Bank supporters, upped the ante when he applied for the Bank's re-charter in January 1832.[1] This was four years before the charter was scheduled to expire at the end of two decades, and the hope was to force Jackson into making an unpopular decision that might cost him during an election year. But, once challenged, President Jackson decided to veto the bill anyway. Jackson, well known for his stubborn personality and steadfast leadership, still harbored ill-will toward Henry Clay of Kentucky from the earlier "Corrupt Bargain" accusation following the Presidential Election of 1824 which made him Secretary of State when appointed by the administration of the winner, sixth President John Quincy Adams.
At Biddle's direction, the Bank poured thousands of dollars into a campaign to defeat Jackson in the 1832 election. Biddle was told that this would only give credence to Jackson's theory that the Bank interfered in the American political process, but chose to dismiss the warning.[12] Ultimately, Clay's strategy failed, and in November he lost to Jackson, who was reelected to a second term.
In early 1833, Jackson, despite opposition from some members of his cabinet, decided to withdraw the Government's funds from the Bank.[13] The incumbent Secretary of the Treasury, Louis McLane, a member of Jackson's Cabinet, professed moderate support for the Bank. He therefore refused to withdraw the Federal funds directed by the President and would not resign, so Jackson then transferred him to the State Department.[14] McLane's successor, William J. Duane, was also opposed to the Bank, but would not carry out Jackson's orders either. After waiting four months, President Jackson summarily dismissed Duane, replacing him with Attorney General Roger B. Taney as a recess appointment when Congress was out of session.[15] In September 1833, Taney helped transfer the public deposits from the Bank to seven state-chartered banks. Faced with the loss of the Federal deposits, Biddle decided to raise interest rates and deliberately induce a recession. A mild financial panic ensued from late 1833 to mid-1834.[16] Intended to force Jackson into a compromise, the move backfired, increasing anti-Bank sentiment.[17][16] Meanwhile, Biddle and other Bank supporters attempted to renew the Bank's charter through the Congress on numerous occasions. All their attempts failed under the threat of a Jackson presidential veto.[16]
Demise of the bank[edit]
Finally, after the requisite twenty-year term, the Bank's charter expired in April 1836, but the financial institution continued as a state-chartered bank under the laws of Pennsylvania for several more years. As the Bank wound up its operations in the next five years, state-chartered banks in the West and South relaxed their lending standards, maintaining unsafe reserve ratios and contributing to the Panic of 1837. In 1839 Biddle resigned from his post as bank president, and in 1841, amidst the post-Panic recession, the Bank finally failed. Biddle was arrested and charged with fraud, but was acquitted.[citation needed] He died soon after, on February 27, 1844,[18] while still involved in the ensuing civil suits.
In 1811 Biddle married Jane Margaret Craig (born 1792); the couple had six children including Charles John Biddle, who served in the United States Army and in the House of Representatives.[19]
Nicholas Biddle Estate[edit]
The Nicholas Biddle Estate in Bensalem Township, Pennsylvania, also known as "Andalusia", is a National Historic Landmark, registered with the National Park Service of the U.S. Department of the Interior.
This article includes a list of references, but its sources remain unclear because it has insufficient inline citations. (May 2016) (Learn how and when to remove this template message)
- ^ a b c d e f g h i j k l Wilson & Fiske 1900.
- ^ a b Hammond 1957, p. 287.
- ^ Lawmaking and Legislators in Pennsylvania, vol. 3, p. 338
- ^ Lawmaking and Legislators in Pennsylvania, vol. 3, pp. 337–351
- ^ a b Cutright 1982, p. 34.
- ^ "Nicholas Biddle". www.legis.state.pa.us. Retrieved 6 January 2019.
- ^ American National Biography-Nicholas Biddle
- ^ McGrane 1919, p. [page needed].
- ^ Federal Reserve Bank of Richmond. "Nicholas Biddle". www.federalreservehistory.org. Federal Reserve History. Retrieved 17 November 2018.
- ^ A. B. Hepburn, A History of Currency in the United States (New York: The Macmillan Co., 1903; reprinted, August M. Kelly Publishers, 1967) p. 95
- ^ Crack of the Pistol: Dueling in 19th Century Missouri – sos.mo.gov – Retrieved March 5, 2008
- ^ Remini 1981, p. 376.
- ^ Hill, Andrew T. (February 5, 2015). "The Second Bank of the United States (1816–1841)". Federal Reserve History. Retrieved July 8, 2017.
- ^ Remini 1984, pp. 57–58; 171.
- ^ Wilentz 2006, p. 395.
- ^ a b c Wilentz 2006, pp. 396–400.
- ^ Hill, Andrew T. (February 5, 2015). "The Second Bank of the United States (1816–1841)". Federal Reserve History. Archived from the original on July 11, 2017. Retrieved July 8, 2017.
- ^ Chisholm 1911.
- ^ University of Delaware: Biddle family papers
Secondary sources[edit]
- Cutright, Paul Russell (July 1982), Contributions of Philadelphia to Lewis and Clark History, Portland, Oregon: Lewis and Clark Trail Heritage Foundation, Inc., p. 34, ISBN 0-9678887-0-0
- Hammond, Bray (1957). Banks and Politics in America from the Revolution to the Civil War. Princeton, NJ: Princeton University Press. OCLC 890993.
- McGrane, Reginald C., ed. (1919), The Correspondence of Nicholas Biddle[full citation needed]
- Remini, Robert V. (1981). Andrew Jackson and the Course of American Freedom, 1822–1832. New York: Harper & Row Publishers, Inc. ISBN 978-0-8018-5913-7.
- Remini, Robert V. (1984). Andrew Jackson and the Course of American Democracy, 1833–1845. New York: Harper & Row Publishers, Inc. ISBN 0-8018-5913-1.
- Wilentz, Sean (2006). The Rise of American Democracy: Jefferson to Lincoln. New York, New York: W.W. Norton & Company, Inc. ISBN 0-393-05820-4.
Primary sources[edit]
- Chisholm, Hugh, ed. (1911). Encyclopædia Britannica. 3 (11th ed.). Cambridge University Press. .
- This article incorporates text from a publication now in the public domain: Wilson, J. G.; Fiske, J., eds. (1900). . Appletons' Cyclopædia of American Biography. New York: D. Appleton.
Further reading[edit]
- Bodenhorn, Howard (2000), A History of Banking in Antebellum America: Financial Markets and Economic Development in an Era of Nation-Building, Cambridge University Press, ISBN 978-0-521-66285-7. Stresses how all banks promoted faster growth in all regions.
- Kahan, Paul (2016), The Bank War: Andrew Jackson, Nicholas Biddle, and the Fight for American Finance, xii, Yardley: Westholme, p. 187
- Remini, Robert V. (1967), Andrew Jackson and the Bank War: A Study in the Growth of Presidential Power, W.W. Norton & Company, ISBN 978-0-393-09757-3.
- Govan, Thomas Payne (1959), Nicholas Biddle: Nationalist and Public Banker, 1786–1844. Comprehensive biography of Biddle.
- Schlesinger, Arthur M, Jr. (1945), Age of Jackson. Pulitzer prize-winning history;
- Taylor, George Rogers, ed. (1949), Jackson Versus Biddle: The Struggle over the Second Bank of the United States, D.C. Heath & Company. Primary and secondary sources.
- Temin, Peter (1969), The Jacksonian Economy, W.W. Norton & Company.
- Wilburn, Jean Alexander (1967), Biddle's Bank: The Crucial Years, New York: Columbia University Press, ISBN 978-1-131-55475-4. Narrative history.
External links[edit]
- Article and portrait at "Discovering Lewis & Clark"
- Nicholas Biddle at Find a Grave
- The Biddle and Craig family Papers, including business and personal correspondence, are available for research use at the Historical Society of Pennsylvania.
- Genealogy of Nicholas Biddle (1786–1844)
|Pennsylvania State Senate
|Preceded by
John Barclay
| Member of the Pennsylvania Senate, 1st district
|Succeeded by
William Maghee
|Business positions
|Preceded by
Langdon Cheves
| President of the Second Bank of the United States
|Succeeded by
expiration of bank charter
- 1786 births
- 1844 deaths
- 19th-century American politicians
- American bankers
- American editors
- American people of English descent
- Andrew Jackson
- Biddle family
- Businesspeople from Philadelphia
- Henry Clay
- Members of the American Philosophical Society
- Members of the Pennsylvania House of Representatives
- Pennsylvania Federalists
- Pennsylvania state senators
- Princeton University alumni


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WASHINGTON — AT&T's wireless business will pay $105 million in penalties and refunds to consumers for unlawfully billing cellphone accounts of customers, the biggest fine yet for such practices, federal and state regulators announced on Wednesday.
AT&T Mobility, one of the country's largest mobile phone companies, agreed to pay $80 million to the Federal Trade Commission to provide refunds to customers who were billed "hundreds of millions of dollars," often without their knowledge or consent, for items including ringtones and text messages with love tips and horoscopes, the commission said.
In addition, AT&T will pay $20 million in penalties and fees to 50 states and the District of Columbia and a $5 million penalty to the Federal Communications Commission for the practices, known as mobile cramming.
Even when it was obvious that customers were being harmed, AT&T repeatedly failed to help customers, the F.T.C. said in a complaint filed in federal court in Atlanta.
"Instead of acting to stop the charges, AT&T continued to make hundreds of millions of dollars from the practice, by taking at least 35 percent of every charge, and refused to provide refunds to many consumers," Edith Ramirez, the F.T.C. chairwoman, said on Wednesday.
"In fact," she added, "AT&T sought to reassure the third parties originating the unauthorized charges that it would not provide full refunds to consumers. AT&T told these companies that it would 'help lower refunds' by providing refunds of up to two months' worth of charges, no matter how long the unauthorized charges existed on customers' bills."
AT&T said it discontinued billing for those types of third-party charges in December 2013.
"While we had rigorous protections in place to guard consumers against unauthorized billing from these companies, last year we discontinued third-party billing for Premium Short Messaging Services," the company said in a statement.
The company added: "This settlement gives our customers who believe they were wrongfully billed for P.S.M.S. services the ability to get a refund."
The settlement is the largest that regulators have brought against mobile phone companies for cramming. Over the last year and a half, the F.T.C. has filed seven cases, including five against content providers — the companies that originated the charges. The largest of those cases involved the surrender of about $10 million in assets by the companies involved.
In July, the F.T.C. filed a similar case against T-Mobile, which is contesting the charges. And officials said on Wednesday that more cases were in the works, involving other of the largest national wireless companies.
"This isn't, you know, Phil's Phone Shack that is doing this," said Douglas F. Gansler, Maryland's attorney general.
In the AT&T case, the payments stem from charges, typically $9.99 a month, that were billed by other companies to the accounts of customers over several years, regulators said. AT&T kept at least 35 percent of the charges, the F.T.C. said, even after as many as 40 percent of the billed customers complained about the practices.
On average, 15 percent of third-party subscriptions were refunded. By comparison, the average chargeback rate on credit card transactions is two-tenths of 1 percent, the commission said.
In 2011 alone, the commission said, AT&T received more than 1.3 million calls to its customer service lines about the charges. In October of that year, AT&T altered its refund policy to lower the amount of charges that could be returned to customers to two months' worth from three months' worth, the F.T.C. charged.
Even after customers objected, AT&T continued to reap big rewards from the billing practices. In 2012, the year after it altered its refund policy, AT&T earned $108 million from the charges. In 2013, that grew to $161 million. Officials said that the $80 million refund settlement did not cover all of the unlawfully billed amounts, although some consumers received refunds on their own after complaining.
According to the commission, AT&T did not ask the merchants to provide confirmation that the charges were authorized. It sometimes instructed customers to seek a refund directly from the merchant, then provided inaccurate contact information. Even though AT&T acknowledged in its internal communications that the authorizations were "often unreliable," the company asserted to consumers that they had authorized the charges.
AT&T's billing statements also made it difficult for customers to tell that unusual charges were being added, the commission said. And consumers using prepaid plans, who do not receive monthly bills, most likely received no information about such charges.
AT&T will be required to notify customers who were billed for the unauthorized charges about the settlement and the refund program. Consumers who believe they were wrongly charged can submit a refund claim at www.ftc.gov/att or contact the settlement administrator at 1-877-819-9692.


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Just like the tutorial I had to do something quick.
I've recently become very interested in Standup Paddleboarding. Most of you have also seen the gates I built for my brother at his home on Maui. My brothers home is a short distance from arguably the most famous surf break in the world….Jaws. All that coupled with my recent paddle building experience led me to create the Jaws Dining Table.
The creation of the model was very simple. I first created the outline of the wave. Then push/pulled it to 3/4". Each segment was then moved 1/4" in front of the preceeding segment and then each segment was scaled on the blue axis (.995, .99, .985, .98…and so on) to create the wave effect. 1/2 the table top was outlined using the arc and line tools and then a copy was mirrored using the scale tool and typing in -1 while scaling along the red axis. I removed the line separating the top to create one continuous plane and the push/pulled it 2". I had created the paddle model previously as part of my design study for building the paddle so I just imported that model for use here to tie the base together at the bottom. I offset the top to create some contrast and applied walnut and cherry textures.
The table is 12' long. I felt it had to be massive to attempt to match the overwhelming image of Jaws…..see below. The intent would be to build the table top in the same manner as a surfboard. EPS foam shaped and then veneered with wood. The top would weigh only about 20-30 lbs that way. The bottom would be 3/4" plywood, much heavier, providing stability.
I added this glass/wood version. See comment below.
To get a feeling for the outrageous immensity of Jaws. The table is positioned in the front of this life sized illustration, remember the table is 12' long. Imagine the rush of surfing this monster as a few of some of the best athletes in the world do.
Hope you enjoyed it….Good Luck all…time to get back to work.
I added this view with the duke looking on approvingly.
-- Bob


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Star Wars: The Force Awakens - Stormtrooper™ 5g Silver Coin Note
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Please allow up to 10 weeks delivery to Canada. More info »
This seventh and final 5g pure silver coin note in the Star Wars: The Force Awakens Collection depicts a close-up, coloured image of the Stormtrooper and a detailed engraving of a scene with the Stormtrooper standing guard, blaster in hand. Also engraved is the movie's logo and the First OrderTM insignia.
The obverse features the Ian Rank-Broadley effigy of Her Majesty Queen Elizabeth II and the coin note is legal tender in Niue.
The note is housed in a protective sleeve, which includes details of its authenticity. The unique number in the mintage is printed onto the silver note itself.
The Stormtrooper is the final silver coin note to join ReyTM, Han SoloTM and Leia OrganaTM, FinnTM, Kylo RenTM, Poe DameronTM, and BB-8TM in this exciting collection. A striking collectible, it can be displayed alongside the others inside the Star Wars: The Force Awakens Silver Coin Note Collector's Album, which is Star Wars themed and included with the purchase of the Rey Silver Coin Note. Order yours today and complete your collection!
Style Number: 30-00760
- Precious Metal:
- Silver Coin Notes
- Weight:
- 5gm
Technical Specifications
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Nominal Diameter: 150 x 70mm
Denomination: $1.00
Country of Issue: Niue
Year of Issue: 2019
Mintage: 50,000
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After the declaration of the Galactic Empire, the Clone TroopersTM who'd served the Republic became Stormtroopers obeying the will of the Emperor. Over time the Stormtrooper ranks were filled not by clones but by recruits, trained for blind obedience and fanatical loyalty. These upgraded Stormtroopers served the First OrderTM, under the leadership of Supreme Leader SnokeTM and his commanders, most notably Kylo RenTM.
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Sunday, December 15, 2013
The Fourth King by Ted Sieger
One book I sent out to a lucky class was The Fourth King. Our narrator is the Fourth King himself who has been watching the stars for "the sign that would herald the birth of the King of Kings." Finally one night King Mazzel (the Fourth King) sees this star so he grabs two special presents - the royal star map and the royal star crystal - and he rushes off to catch up with the other three kings - Melchior, Caspar and Balthazar.
Just as he is getting close a huge storm rages across the desert and Mazzel and his faithful camel Chamberlin are blinded by the sand. As the winds die down they hear the cries of a young girl. Our intrepid heroes rush back into the storm to rescue her. "We headed back into the storm, and there, in its heart, we found a little nomad girl - sand-stung and frightened,. her name blown away by the wind." They find her family and set off again only to discover they have missed the Three Kings by minutes.
This next part of their journey sees them meeting up with a merchant caravan - hundreds of camels travelling through the desert, lost and with no map. Naturally Mazzel stops to help "it was quite a detour to their hometown,. In slow procession, we led the caravan safely out of the desert. My heart soared: I could still see the star; perhaps we would meet up with the Three Kings after all."
On the third part of the trip as they are resting for the night they hear a sound of tinkling. It is coming from a small thirsty plant. Mazzel gives the plant the last of his water. "To our amazement, the plant began to flower, then dropped into my palm a little round fruit that sounded like a bell."
The next obstacle is a huge wall which is being built by child slaves. Mazzel offers his gift that was intended for the newborn king in exchange for the children's freedom but the rich man takes the star crystal and he will not free the children. So Mazzel and Chamberlin stay on and help the children with the building. As a way of saying thank you a little girl gives them a wooden toy lamb. "It made me smile. I hid the lamb in my tunic and promised her, that somehow, we would all be free."
This is a religious Christmas story but surely Christmas is a religious time. The ending will make you smile along with the time you share exploring the joyous and detailed illustration.
Here is a web site about the author with some funny comments about camels. Here is a detailed review. An animated film was made of this book but it seems to be unavailable.
Posted by Momo at 11:01 AM No comments:
Labels: Bible, Christmas, Journeys, Kindness, Picture Book
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Today's stationer interview is with Jessica of Aster Studio, based in Pennsylvania! Enjoy:
How did you get started doing wedding invitations?
My love for stationery began at an early age with influence from my mastemind mother! Since I was a little girl, I grew up with a love of paper! My mother always caught me "stealing" (borrowing) her beautiful calligraphy pens and elegant markers whenever she wasn't around. Growing up with a highly creative Mother means I was given the gift of having a great eye for color and design.
It wasn't until after I graduated college and my friends started getting engaged that I realized I truly have a passion for all things wedding related. While planning my own wedding, I began to understand the demand for unique and beautiful wedding stationery. The detail that goes into these invitations and the time spent crafting these pieces are truly what makes them so wonderful. Each invitation suite is hand crafted with such care, and really set the mood for the guests get a sneak peek into what the wedding will look like. Having finally found my niche, after designing a few invitations for friends and then planning my own wedding day stationery, I realized that this is what I was meant to do full time!
What is your favorite color combination?
I would have to say that my all time favorite color combination is Deep Plum, with a hint of Violet and either Silver or Light Grey. It comes off very vibrant and elegant but also modest and classy at the same time. It seemed to be quite the trend in 2011 and 2012 from my experience.
What is the most unique invitation you have designed?
The most unique invitation collection that I've designed has to be the wintry white collection for a December wedding. The opal pocket along with classic silver background and black mat for the invitation along with the stunning silver letter pressed text made these invitations an instantaneous hit with the couple and all their guests and surely set the mood for this elegant black tie event.
Do you have a favorite typeface?
I absolutely love playing around with typography and letters to see how they can come together and really make a piece of work 'pop'. One of my all time favorite typefaces would have to be Trajan Pro, but a close second is definitely Baskerville. One of my newer favorites is Rosewood, which has been really popular with modern and country style weddings that I've seen lately.
What is the most bizarre request you have received?
One of the most bizarre but totally awesome and non-traditional requests I've encountered was with a client who was super eco-friendly and decided to create a reusable tea towel as their invitation! This was not only one of the most unique ideas I've ever heard, but by far one of the most earth friendly and awesome ideas that I've ever been asked to create! Working with two people who care so deeply about their environment was such a moving experience for me and truly changed the way I look at the environment. Using recycled envelopes and a reusable invitation really showed the style and personality of the Bride and Groom.
Ampersand or the word "and?"
I've been asked many times about my feelings on using the ampersand, or the word 'and', and my decision comes down to the couple. There are times when "&" is just fitting and so appropriate and chic, modern and just simply awesome! For more formal, fancy and elegant invitations I feel that is a great time to take the opportunity and use the word 'and'. I guess it really just depends on the style of the invitation. I take a consultation as the best time to get to know my clients and learn their specific design ideas and better understand the style that they really have in mind for their special day.
Any advice for brides?
I think if I had any advice for brides, it would be… Keep Calm and Plan Early. It's never too early to begin thinking about your wedding day! There is no better feeling then looking at a wedding checklist for the 6 month mark and realizing that you can already check off half the list. Definitely delegate as many tasks to bridesmaids, parents and friends as you can, that will all help your wedding day run smoothly and keep your mind at peace. Also, It's okay if you don't have a wedding planner. There are so many venues these days that have package deals and they are so lovely and wonderful to work with and make the wedding planning process as seamless as possible.
Do you offer more than just stationery?
Here at Aster Studio, I offer everything from Save the Dates to Thank Yous and everything in between for your wedding day.
Thanks Jessica! For more about Aster Studio, check out her WeddingInviteLove profile, or head straight to her website.
What do you think of her lovely invitations? Let us know below!


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August 09, 2018
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text: Another amazing trip out in Kananaskis Country, I took the entire Highwood loop heading south out of calgary. Shortly after going over the pass I spotted a young grizzly bear on the roadside (almost in the same place as on my previous trip), and spent quite a while photographing it before it wandered off into the trees. By the time I finished with the bear the weather which had started out pretty crappy had blown through, and it turned out to be an absolutely beautiful night.


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They say that getting into veterinary school is the hardest part. But it can be a huge adjustment transitioning from your undergrad years. With more responsibilities to juggle this time around, and a very rigorous workload, making sure that you have a healthy work/life balance is key to being successful.
Make the most out of your first year with these vet school hacks from veterinarians who remember the struggle all too well (and what they wish someone had told them sooner!)
1. Create a study plan
Kienan Gold, DVM, a recent graduate from Harris Boulevard Veterinary Clinic in Charlotte, NC, says that time becomes your most valuable asset in vet school, so make sure you are prioritizing your studies. Don't abandon all of your hobbies – but some of them may have to take a back seat while you figure out how to prepare effectively for classes and exams. You can also look for study groups to join to help keep you on track.
2. Balance work and play
Molly King, DVM, another recent grad and veterinarian at Oaks Veterinary Hospital in Gainesville, FL warns you'll go nuts if you don't take some time to enjoy yourself and relax. Have fun getting to know your classmates and make new friends. You'll miss them after graduation!
3. Eat well
Eating well while studying and on the go can be tough. But if you keep healthy snacks on hand, like nuts, granola bars and fruit, you can help keep junk food at bay. Meal prepping and making sure that you always have a healthy breakfast can also help to set you up for success.
4. Get plenty of sleep
You will retain more information and focus better if you get in your Zzz's. Whether it's for a 20 minute nap, or a full night's rest, make sure your room is dark and that your screens (phones included) are turned off, so there are no distractions.
5. Learn from others
Another tip from Dr. King is to always take the opportunity to learn from your professors, house mates, technicians and anyone else you may come across. Their experiences and insight can help you choose your own path, like which externships to take. They may even help you land your first job out of school.
Remember that you aren't alone! It can be hard adjusting to first year at vet school, but there are plenty of other students that are probably in the same boat.
Believe in yourself and you'll go far.


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KIPT gives progress report on Smith Bay seaport proposal
Kangaroo Island Plantation Timbers has issued a statement to the Australian Stock Exchange on the progress on its Environmental Impact Statement for the development of its seaport.
The publicly-listed company plans to build a 250-metre-long causeway and wood chip exporting facility at Smith Bay on the north coast of Kangaroo Island.
The development received Major Project status from the previous State Labor Government and an EIS needs to be submitted and all objections to be addresses for the project to proceed.
KIPT managing director John Sergeant said he expected the EIS to be released approximately by the end of current financial quarter on September 30.
Mr Sergeant said the project would require dredging of the bay as the water depth at the end of the proposed causeway was approximately 10.5 metres below low tide, which was 11.3 metres below mean sea level.
The sea floor would need to be deepened to allow Panamax-class vessels to safely dock, he said.
The abalone farm directly adjacent to the proposed seaport meanwhile continues to have concerns about the impacts of the seaport proposal on its operation, both during construction and also once the structure is built.
Abalone farm managers are concerned the construction of the seaport will introduce sediment that could kill its abalone and once built would alter currents and possibly introduce foreign marine pests.
KIPT's ASX EIS announcement makes specific mention of the abalone farm stating the causeway would provide "increased protection" for the farm from effluent from Smith Creek, located to the east of the seaport.
Mr Sergeant said the causeway built between the creek and the abalone would block run-off from the creek reaching the abalone farm's intakes.
Yumbah Aquaculture Kangaroo Island general manager Dave Connell said KIPT's proposal was already having negative impacts with the company unable to plan for expansion due to the uncertainty of the proposed development.
"KPT's ASX announcement on Tuesday, July 10 stating it has made 'refinements to the design of in-water structures to provide increased protection' for our abalone farm, is deeply concerning," Mr Connell said.
"Once again, KIPT is attempting to downplay the significance and scale of this development and the devastating impact it will have on our business, Smith Bay and Kangaroo Island's north coast."
Local Member for Mawson Leon Bignell has said he would not approve or support any development that had any negative impact on the Yumbah abalone farm.
Conservationists meanwhile hold concerns that Smith Bay is a calving area for endangered southern right whales and so want the proposal to be reviewed under the Environment Protection and Biodiversity Conservation Act.
Mr Sergeant said the EIS would address issues under the EPBC Act and that he did not believe southern right whales would be negatively impacted on by the in-water structure built at Smith Bay.
KIPT was planning to have typically 10 ships docking with a maximum of 18 per year, he said.
He said be believed regular, daily shipping movements were a greater threat to whales.
KIPT in the ASX statement says it will work with Kangaroo Island Council and SA Government regarding an agreed road route to Smith Bay, and "the use of high-productivity vehicles over that route".
Mr Sergeant said the EIS process required a minimum six-week consultation period.
While this consultation was managed by the SA Government, Mr Sergeant gave assurances it would be a robust process with all objections being addressed and sessions would take place on Kangaroo Island.
ASX statement:
"KPT is negotiating with various government agencies, with a view to eliminating all outstanding matters of contention before lodging its EIS," the ASX statement reads.
"As far as possible, it is the company's aim to lodge the EIS in a form capable of rapid approval. This has involved:
- Refinements to the design of in-water structures to provide increased protection to the neighbouring onshore abalone farm from creek effluent, which is currently an acknowledged source of problems for that business.
- Relocating the dredge footprint in such a way as to increase separation from the nearest sensitive receptors.
- Refinements to the in-water design to limit the causeway footprint in deeper water, while enabling larger Panamax size vessels to berth safely.
- Refinements to the design of on-land facilities, to enable efficient materials handling and to work more effectively within the constraints of the site.
- Working with Kangaroo Island Council and with the Government of South Australia regarding an agreed road route to Smith Bay, and the use of high-productivity vehicles over that route.
"The company expects to have these matters sufficiently finalised to enable the lodgement of the EIS at the end of the current quarter."
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Chepstow & Clearwell Castle Wedding – Jess & Steve
I was thrilled to photograph Jess and Steve' wedding as Jess was a childhood friend from Chepstow. She had all of the element for a princess fairy-tale wedding in local venues. St Marys Priory Church in Chepstow is a stunning inside with high arched ceilings and stain glass windows. It made the perfect start to their wedding day.
… Read More


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Supporters of the Estes Park United Campaign will celebrate with a community-wide block party Wednesday night, Aug. 6 from 5:30 to 7 p.m. at the Bella Fortuna patio: 600 South St Vrain Avenue, Suite 2,
Enjoy food, drink, friends – and support the work that goes on into the community to help kids succeed in school and life. There will be hot dogs, adult beverages and games for the kids.
The goal of the Estes Park United campaign is to raise $20,000 between July 1 and Sept. 30, helping four local partners in their work with youth. The four organizations include:
• Kids Café
• Estes Valley Investment for Childhood Success (EVICS),
• Partners Mentoring Youth
• The Estes Park Learning Place.


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The Pollock Clinics Global Student Award provides funds to support UBC Midwifery students going on a global placement as part of MIDW 370, with the goal of enhancing maternal and infant care in low-resourced countries, and helping students to experience a different maternity care environment.
How to Apply
Please submit the following to the Student Services Manager (email@example.com) by February 28th of the placement year with the name of the Award in the subject line.
A letter detailing ALL of the following information (maximum of 500 words):
- Your name, student number, UBC email address and home address
- Country where will you be going
- What you hope to learn through this experience
- How you will contribute to the team in the global setting where you are placed
- Information regarding any additional work you plan to undertake while abroad (e.g., research)
- Any previous work or placements you have done with vulnerable populations
- How you expect the placement will be of benefit to you for future work in midwifery, or as a global citizen
- What your practice goals are for the future
Adjudication and Notification
Bursary applications are evaluated by a committee comprised of 2 faculty members and the Student Services Manager. All applicants will be notified regarding results of their individual application and possible award amount no later than one month prior to their prospective departure date.
Student Responsibility
All bursary recipients are required to submit a brief report following the global placement, describing and reflecting on their experience, and discussing how the contribution from the donor supported the learning experience. Recipients may also be required to meet with the funder in the year following the global placement, to speak briefly about their global placement experience. This meeting may take place during a clinical placement in the following academic year, and it is expected that all recipients would make every effort possible to attend (including taking time off call if necessary).
*The amount of each individual award will be determined by the committee upon review.