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Reviews For Bates Shoes 742
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Average Customer Review
This Product:
Bates Shoes: Women's High Gloss Non-Slip Uniform Work Shoes 742
3 out of 4 people found this product review helpful.
I hunted all over for shoes like this...
By: Betsy
I hunted all over for shoes like this and when my search brought me to Working Person I was amazed at all the neat items for women. I've worn my shoes 5 times now and have to say they are comfortable and with a little care, they still look good.
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1 out of 1 people found this product review helpful.
Very comfortable...
By: Lammy
These are very sharp looking shoes and most importantly they are comfortable. A bit narrow in toe box but used expanders to make the fit better. Patent leather is the way to go! These just feel like high quality shoes and I expect they'll last a good ten years if I treat them right. Vaseline works well with light scuff marks but would love advice from someone on caring for actual scrapes to the leather.
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3248 Halifax Avenue N, Robbinsdale, MN 55422
About the Listing
All the bells and whistles here, double lot with treetop views, 2 decks that overlook the well manicured Koi pond. Inside the house shines, 1 new bath with double sinks, large updated kitchen that opens to a nice sized dining room and comfortable living room. Bedrooms are all good sized. Downstairs has endless possibilities for entertaining. Can walk right into downtown Robbinsdale for dining and entertainment. This one has it all!
Share Listing
Property Details for 3248 Halifax Avenue N, Robbinsdale, MN 55422
Bedrooms: 4
Bathrooms: 2 Full
Lot Size: 0.22 Acres
Lot Dimensions: 80x128
Year Built: 1989
Garage Dimensions: 2 car
Garage: Attached Garage, Garage Door Opener
Style: (SF) Split Entry (Bi-Level)
Water: City Water/Connected, City Water - In Street
Sewer: City Sewer/Connected, City Sewer - In Street
Square Feet: 2324
Above Ground Sq Ft: 1184
Below Ground Sq Ft: 1140 (approx)
Room Information for 3248 Halifax Avenue N, Robbinsdale, MN 55422
Upper Floor
Living Room: 17x13
Dining Room: 12x12
Kitchen: 12x11
Bedroom 1: 13x13
Bedroom 2: 12x11
Deck: 16x10
Lower Floor
Family Room: 16x15
Bedroom 3: 14x11
Bedroom 4: 12x11
Deck: 16x10
Amusement Room: 11x11
Main Floor
Foyer: 21x6
Dining Room Description: Informal Dining Room
Family Room Characteristics: Lower Level
School Information for 3248 Halifax Avenue N, Robbinsdale, MN 55422
School District: Robbinsdale
School District Phone: 763-504-8000
Interior Features for 3248 Halifax Avenue N, Robbinsdale, MN 55422
Appliances: Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal
Air Cond: Central
Heating: Forced Air
Fireplaces: No
Basement: (1140 sq Finished) Full, Finished (Livable), Egress Windows, Concrete Block
Exterior Features for 3248 Halifax Avenue N, Robbinsdale, MN 55422
Lot Description: City Bus (w/in 6 blks)
Lot Dimensions: 80x128
Roof: Asphalt Shingles, Pitched, Age 8 Years or Less
Zoning: Residential-Single
Financial Considerations for 3248 Halifax Avenue N, Robbinsdale, MN 55422
Tax Amount: $3,526
Taxes w/Assessments: $3,526
Tax/Property ID: 0702924140113
Tax Year: 2016
Monthly Payment = $0
INRIX Drive Time
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Similar Listings For Sale
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than the owner of this website are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers.


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If your diet isn't balanced with sufficient calories to promote muscle growth and you are overtraining and not using proper lifting form, then no supplement in the world will help you. But if you have educated yourself and are already on the right track, now might be the time to start using some of the supplements. I will divide the supplements I like and recommend into three categories:
- Highly Recommended
Supplements I feel everyone should take which provide the best results for the value.
- Recommended
Supplements that can helpful in reaching your goals but are not quite as important as the above.
- Worth Trying
Supplements which have an application in reaching your goal, but should be used only if you are already taking the above listed supplements and are more experienced weight lifter.
Well let's get started!
Highly Recommended Supplements
Highly recommended supplements are supplements I would consider essential to health as well as physical fitness and reaching your bodybuilding goals.
Multi-Vitamin - Learn More
I think everyone regardless of age should be taking a good quality multi-Vitamin. Vitamins and Minerals contained in these supplements are essential to many functions of human body. From regulating hormones, metabolism, proper digestion, improving immune functions, proper multi-vitamin will keep you healthier and feeling better. Even slight deficiency in any of the minerals or vitamins can make you feel worn and have an impact on your health. Most good Multi-Vitamins also contain Anti-Oxidants, which neutralize free radicals and are extremely important to over all health.
Protein - Learn More
It is definitely a must for anyone trying to increase lean muscle mass and/or reduce body fat while maintaining muscle tissue. Protein consists of amino acids, which are building blocks of muscle. If you do not have sufficient amounts of amino acids available, the body will be unable to build muscle tissue. Whey Protein is the most popular choice as it is very affordable and there is virtually endless companies making this product in variety of flavors. With such a high supply you are sure to find a flavor you like and can drink on daily basis as well as great value and price. I recommend 2-3 servings per day, one imidiatly after training. The body acts like a sponge and will absorb all the nutrients it is fed. This is a perfect time to induce anabolism with a large size serving of protein. I usually consume 45-60gm of whey protein right after my training.
Nutrition Bars & Meal Replacement Shakes - Learn More / Learn More
These are similar to protein powders, with one major difference; they are actual meals in bars or packages. They provide all the needed nutrients necessary for healthy living. Consisting of Protein, Carbohydrates, Vitamins & Minerals and EFA's (Essential Fatty Acid's) as well as other micronutrients. In today fast pace life's we live the need for a quick healthy meals is growing, they are great substitutes for meals providing good nutrient balance, and are much better then most fat food choices. I recommend 2-3 servings a day, I prefer real food but sometimes the shortage of time prohibits us from having a real meal making this a perfect substitute.
Essential Fatty Acids (EFA's) - Learn More
These are health fats that can not be produced by the human body and need to be consumed. These fat can be obtained from ingestion of Flaxseed oil, Sunflower oil, Hemp Seed oil, Olive Oil also Udo's oil which has a balance of all essential fatty acids which can make it easy to consume and make sure to obtain all EFA's your body needs. These fats maintain healthy hormone levels, metabolism, maintain health skin, hair & nails among other important function. I recommend 30-45gm of fat consumption each day coming from EFA's. I usually just through in a tablespoon in each of my protein drinks.
Recommended Supplements
Recommended supplements are supplements I feel are a good addition to any supplement program.
Creatine - Learn More
It is used in muscle to store energy for explosive movements such as weight lifting. It enhances recovery and ATP replenishment, which will allow for creation of an anabolic state in the body. The efficiency of Creatine delivery is greatly increased if it is consumed with simple carbohydrates, which spike the insulin. In turn insulin helps to deliver the creatine to your muscle where it can be used to hydrate and replenish ATP levels. I recommend 5-10gm post training with a generous serving of simple carbs.
I like rice cakes for my carbs and will consume around 80-100 gm of carbohydrates from Caramel Rice Cakes and apple. On non-training days I would consume the Creatine early morning to mid afternoon to allow myself to have some carbs with that meal as I try to avoid carbs as the nighttime nears. You can also purchase Creatine Transport system drinks, which already consist of Simple Sugars as well as Creatine in one easy to use drink.
Glutamine - Learn More
It is the most abundant amino acid in the muscle, but it isn't necessarily in the muscle where it works its wonders. It plays very important role in stomach and immune system function. It has been shown in research to support protein synthesis and immune function, enhances recovery, glycogen & glutamine replenishment and reduce catabolism. I recommend 2 servings per day, one 5-10mg serving immediately after training and another serving right before bedtime. I prefer the last dose to be taken on an empty stomach.
Thermogenics - Learn More
They are supplements that increase the base metabolic rate and are used when a person wants to reduce body fat. Some Thermogenics consist of caffeine, ephedrine & aspirin combination, however the new products seem to shy away from that combination and are concentrating on products that do not include ephedrine. While I am in a pre-contest preparation time, I always used these supplements as I feel they allow me to reduce my body fat percentage at a much quicker rate and reduce the amount of muscle loss caused by calorie reduction. I recommend 2-3 servings per day and avoid taking the products after 3:00pm as they might make falling asleep more difficult. Always follow the instructions on the back of the bottle and recommendations of manufacturer as they very from product to product.
HMB - Learn More
This product has the ability to support the body's ability to minimize muscle damage and muscle protein breakdown, which often occurs after heavy training. It's importance increase as you are on a lower calorie diet, as it will allow higher muscle retention and less lean muscle loss and possible muscle growth. 3gm per day are the recommended dose for most athletes.
CLA (Conjugated Linoleic Acid) - Learn More
It is a great non-essential fatty acid often used to help decrease body fat. It has ability to increase metabolism without the jitters of some fat burners that contain ephedrine and even stimulate lean muscle tissue growth. It is also know to improve lipid profiles. I would recommend 3-6gm per day.
Worth Trying Supplements
Worth Trying Supplements are supplements that can be a useful in achieving your individual goals but I feel are not as necessary as the above mentioned once.
Pro-Hormones - Learn More
These supplements are direct precursors of testosterone and other anabolic hormones. There are many on the market right now such as Androstenedione, 4-Androstenediol, 19-Nor-4-Androstenedione, 19-Nor-4-Androstenediol among some other newer derivatives of human anabolic hormones. All of these hormones boost Testosterone Levels to some degree and can be very powerful and can potentially alter your own hormonal balance. They are also on several banned substances lists including NCAA. So please, if you decide to use these product use caution and follow the directions on the back of the bottle as stated by the manufacturer.
20-Beta-Hydroxyecdysterone - Learn More
It is a compound extracted from a couple of herbs mainly Rhaponiicum/Leuzeae and Cyanotis Vega, which means they are photochemical and derive from plants. Many studies performed on healthy athletes in Soviet Union demonstrated gains in lean muscle tissue and enhanced performance but only when the compound was very pure & highly concentrated, so if you are planning to use this product please buy from reputable company and only buy high grade Ecdysterone. It can reduce muscle protein breakdown and I recommend doses ranging from 25-40gm 3 times per day, morning, post exercise & nighttime works best.
5-Methyl-7-Methoxyisoflavone - Learn More
Also known as Methoxyisoflavone, it is highly anabolic, yet free of any testosterone characteristics, which is good news as it will not have negative effects on your body's hormonal balance. It can increase protein utilization, nitrogen retention in turn allowing you to gain more lean muscle mass. I recommend 200-400mg of Methoxyisoflavone per day, one serving immediately after exercise.
There are many other supplements that I would like to mention, but I would have to write a book to address all of them. However there are a few more I would like to mention. Alpha-Lipoic Acid (ALA) is a great anti-oxidant as well as it can increase insulin sensitivity. Arginine is an integral amino acid necessary in wound healing and growth hormone production. ZMA is a combination of Zinc & magnesium aspartate, it can help increase levels of testosterone. Tribulus Terrestis has been used to treat infertility and lack of libido, many believe its' because it's ability to increase Testosterone Production.
Yohimbe HCL it has been show to improve sexual function as well as help reduce fat synthesis and increase fat fatty acid utilization. Milk Thistle (Silymarin) is an excellent liver detoxifier. D-Ribose enhances anaerobic peak power output. There are many more I am sure I am forgetting but the above mentioned once are once I believe can help you reach your goals.
As I said earlier, there are thousands of supplements on the market, do some research on the once that interest you the most and decide for yourself which once are for you. This article should get you started with the research and remember give each supplement a fair try, I would say a minimum of 6-8 weeks before discarding it as a bad investment. Muscle building takes time and absolutely nothing will make you big over night. So get educated and get big.
What Supplements Should You Take?


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Dream Team(1997)
A novel by Terence Blacker
An invitation to play in a tournament means a trip to Suffolk. The Hotshots find that they're involved in a mysterious game that's far more deadly than soccer.
Used availability for Terence Blacker's Dream Team
See all available used copies of this book at Abebooks UK or Abebooks US
Paperback Editions
February 1997 : UK Paperback
|Title: Dream Team (Hotshots)
Author(s): Terence Blacker
ISBN: 0-330-32915-4 / 978-0-330-32915-6 (UK edition)
Publisher: Macmillan Children's Books
Availability: Amazon Amazon UK Amazon CA
Genre Pages


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2009/11/24 Adam Williamson <awilliam redhat com>: <snip>
Finally, we considered - and rather approved of - the proposal that's been floated on this list (and was floating in the meeting by Will Woods) to consider using the mechanism used by the kernel developers for kernel oopses: instead of being reported direct to Bugzilla, these are reported to an intermediate site (kerneloops.org) and can be promoted from there to Bugzilla if appropriate. Will is planning to work on this idea after finishing up some AutoQA work, and will talk to abrt team about it and see if they are interested in helping. He would welcome contact from anyone else who's interested in helping with that, too.
Why not cut a bit of the bureaucraucy and extra levels here? Instead of an intermediate system with all the overhead that goes in to creating and maintaining such a system, why not just class all the bugs from abrt in a seperate tag or component or something in bugzilla? If there's an intermediate system, someone has to go through it, packagemaintainers need to be trained to use it, and the entire thing needs to be triaged, so bugs can be combined and sent to bugzilla. This is alot of work. If you use bugzilla for this, you still have to triage all the bugs, combine duplicates, but package maintainers can still see bugs. We might allow them to ignore the untriaged abrt bugs if it bugs them (pun intended) but it avoids the issue where they go 'well i'm not learning yet another system to track bugs, bugzilla is annoying enough'. -Yaakov
Description: OpenPGP digital signature


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Man boobs. Moobs. Bitch tits. Whatever you call them, if you have them, they're probably making your life a misery.
You might have abs of steel and biceps of rock but no matter how buff the rest of your body, a pair of man boobs can instantly ruin the look, sending your self-esteem both in and out of the gym straight into a nose dive.
You're not alone. Studies suggest that almost half of men dislike their chest appearance.
But you don't have to resort to wearing a bra or expensive surgery to get rid of your embarrassing man boobs.
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Within weeks you can say goodbye to your moobs and hello to a firmer, manlier chest that you can show off with pride. Use with a suitable diet and exercise program.
Imagine being able to wear clothes that show off your chest instead of having to hide your embarrassing man boobs underneath baggy clothing.
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Obliterate your man boobs. Fast, permanent reduction of unsightly male breast tissue is possible with Gynectrol.
Retail: $79.99 Savings: $18.00 Add to cart


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Fun New Year's Cruise
Sail Date: December 26, 2015
Reviewed: 1 year ago
Traveled As: Family (older children)
Room Type: Suite
This cruise was so much fun! The boat was full - about half the guests were kids. However, the activities kept the kids busy. The band was great, and the New Year's party on deck was fantastic. I just love the Red Frog Pub - what a great addition to this ship! Service in the dining room was a bit slow, but that was probably due to the ship being so full. Food was good. We didn't do any shore excursions this time - just wandered around near the port. We chose to forego shore excursions in exchange for bigger staterooms - a trade off that we found well worth it! My kids (finicky teenagers) are asking to go again.
Category Ratings
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|Cabin / Stateroom
|LOVED this room! Had a connecting cabin for our teenage boys, and the balcony is absolutely the best in the fleet! No noise from the dining room or from neighboring cabins.
|Embarkation and Disembarkation
|Ship Quality
|Destinations and Excursions
|Onboard Activities
|Children's Programs
|The live band was great. The dancers/singers in the theater were a bit unpredictable. Over-exaggerated gestures that are great for a larger venue looked goofy on a stage that was so close to the seats. Pitch/tune for the female lead vocal was inconsistent - not all songs work with her voice.
|Service and Staff
|Food and Dining
|Dining room staff was good. Dining room bartender never did figure out that we wanted to order drinks with dinner every night. We had to chase him down each night, and were unsuccessful on more than one night. The dining room was so busy that it commonly took 25-30 min between the time our dinner plates were picked up until dessert was served. We gave up if our order had not been taken within 20 min of dinner plates cleared, which happened more than once.
Port Ratings
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Ehab Al Shihabi's Big Idea
Aspen Institute•
Ehab Al Shihabi is executive director for international operations for Al Jazeera and the senior executive in charge of developing Al Jazeera America, the new American news channel slated to launch this year. Al Jazeera America will be headquartered in New York City and will have twelve bureaus in key cities around the United States. In addition to overseeing Al Jazeera America and more than 70 bureaus around the world, Al Shihabi continues to help with expansion efforts in the Balkans and Turkey.


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- Description
Set yourself apart in this confetti merino wool blend sweater. Bold cutouts give a sexy, shoulder-baring look to this seasonal staple.
- Detail & Care
Details & Care
- Sweater with cold-shoulder cut-outs
- 65% extra fine Merino, 30% Nylon, 5% Alpaca
- Dry clean only
- Imported
Reviews Write a review
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Avery's Angels is a proud sponsor of Neonatal Intensive Care Awareness Month.
Avery's Angels is a proud sponsor of Neonatal Intensive Care Awareness Month.
Thanks to hundreds of world wide families, AAGF was able to provide funding for gastroschisis research.
We are proud to announce the first recipient of the Roman Jax Nguyen Memorial Scholarship.
Dr. Kirtly Parker Jones talks with gastroschisis researcher Dr. Marcia Feldkamp about the birth defect.
Stories of CDC's work around the world. "Ashley's Story," as told by her mother, Kayte Thomas.
A radio interview with Kayte Thomas on the University of Utah Health Sciences Radio, The Scope.
AAGF and Kayte Thomas are featured in the "Spotlight" of NCBDDD's 2014 Annual Report
DIA (Drug Information Association) Patient Fellow, Kayte Thomas, shares Avery's Angels update.
Get your state or province to declare July 30th Gastroschisis Awareness Day. The process is easy and free!
We are so very humbled by the efforts and donations from around the world to continue our cause into this year.


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- Autor: JEWEL, BELLA
Produto disponível até 15min após
a confirmação do pagamento!
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Você pode ler este livro digital em vários dispositivos:
One single moment changes everythingIn one breath, you can have it allA split-second later, it can all disappearVanished foreverThat was meI had it allThen in a cruel twist of fate, it was taken from meA beautiful life gone in a flashBut he was thereHe was there to pick me up when I fellTo protect meMy savior. My rock. He was just a strangerJust a selfless stranger with a face I'll never forgetCan't forgetWon't forgetAnd like everything else, he just disappearedAs if he never existed I have to find himI need to find him He has to know that he saved meHe has to know that in that one fleeting moment, he was all I could see
Detalhes do Produto
- Formato: ePub
- Origem: IMPORTADO
- Editora: BELLA JEWEL
- Assunto: Literatura Internacional - Romances
- Idioma: INGLÊS
- Ano de Edição: 2016
- Ano: 2016
- País de Produção: Canada
- Código de Barras: 2001031930579


text: sportyskells January 20, 2016 3:44 PM well. normally we would had the dates by now but there seems to be a hold up somewhere. normally F1 said thier dates GP2 normally not far behind. I have a feeling this will start in Russia due to the fact that the test is a BIT TOO CLOSE to Bahrain + there might be weather issues in Spain. COME ON GP2 SPILL THE NEWS OUT Reply Report abuse 5 agree 3 disagree


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We provide lessons for students on an individual basis as well as a group of two to five. With this course, the schedule and lesson content are flexible. This means that lessons can be scheduled according to your requirements, and contents can be tailored according to your target. This is especially suited for individuals who have basic knowledge of the language they wish to learn and are seeking to grasp it on a more advanced level. It is also suited for those who wish to learn at a pace they themselves command.
Our individual and private courses also provide a higher level of interactivity within the classroom as chances to speak are increased among a smaller group of people.


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4.0 stars 12 totalReview Dale Bernstein
Posted by Chelsea
Words can't describe his superior intelligence and expertise in this industry. He achieved everything he said he would, and could do, with my divorce and even better than what I had imagined, in an remarkable time frame! Thanks again, Dale!
Posted by Diane
I chose Dale because he advertised aggressive representation and that is exactly what I got. Although the divorce process was emotional for me I also knew it was business and an important financial decision that would affect my future. Dale was straight forward, organized, time efficient and effective. These traits saved me time and costs. Would I recommend him, absolutely. My outcome was quicker and financially better than expected.
Posted by don
Mr. Bernstein was very professional in our dealings. I was impressed by his thoroughness and knowledge of the statues that was relevant to my case. The actual experience in the court room was quick ,decisive and to the end of a dismissal of all charges. The fees for my case I thought was very fair and reasonable. I would not hesitate to hire Mr. Bernstein again or refer him to my friends and family.
Posted by Thomas
I have hired Dale Bernstein on numerous occasions. He has always been fair and straight to the point. I was prompted to write this review based on the reviews that I read on this site. People are complaining about the fees and Mr. Bernstein's "bedside manner" if you will. First of all the hourly rate is the standard for this area. Secondly, Mr. Bernstein does not "sugar coat" anything, if he feels that he cannot help you, he will tell you just that. I find that a good quality in an attorney. The last thing that I would want is to throw money at false hope. Mr. Bernstein will tell you exactly what he believes that he can do for you, not what you believe can be done for you and in my opinion that is why people have put negative reviews on here. I recommend Dale Bernstein to all of my friends.
Posted by Chuck
Extremely professional and knowledgeable. Mr. Bernstein was up front about fees (nothing hidden) and straight forward. He was so confident in the courtroom I was completely at ease. I would recommend Mr. Bernstein to anyone in need of great representation.
Posted by Yeniley Gala
About Attorney Dale Bernstein Im super satisfied with their representation in my case. No complaints about their performance as a lawyer and as a person. His staff very efficient and polite . During the process he was always on the lookout for everything related to my case, giving was a somewhat complicated case He could defend my rights as a mother, I wont hesitate to used it again. ill recommend to anyone who need a good representation. Thank you so much
Sobre El abogado Dale Bernstein Estoy súper satisfecha de su representación ante mi caso. No tengo quejas de su desempeño como abogado y como persona. El personal de su ofcina muy eficiente y educado. Durante el proceso estuvo siempre al pendiente de todo lo relacionado con mi caso. Dando q fue un poco complicado supo defender mis derechos de madre, le estoy muy agradecido. Se lo recomiendo si necesitan alguien q les represente ante la ley , este seria su opcion.
Posted by TP
I used this website in the past when looking for a lawyer. I found it helpful. I need a PI attorney now so looked again. I'm writing this review because I hired the attorney named Dale Bernstein in the past. I wasn't overly surprised what I read in the reviews. He was just average to me. Not particularly friendly, it was difficult to get answers to my questions. Over all I can't say I would hire him again. I prefer a lawyer I feel ok, talking to about my case. I assume he knows the law but I need to feel the lawyer cares about the problem. Average was the best I can rate him because I wasn't expecting much. I have found very good lawyers on this website. So I use the AVVO site because it works.
Posted by Frank
He may be knowledgeable of the law but his interaction with the client is poor. He doesn't come off as friendly. I was looking for a lawyer who understood my problem and actually showed they cared. I wouldn't recommend him and will not use his services again, I also found the legal fees to be high. I can't understand at a minimum of $400.00 hourly how each insignificant task the office said they performed created a very expensive legal charge. I saw a review that he was expensive and that is very true in my case. I also read he was the best lawyer in town? That person probably had money to spend. I didn't like the treatment as the client. I think he could have better responded to my questions. I don't normally write reviews but the cost was great, the communication between attorney/client poor, I realize when selecting an attorney, read reviews and ask what the costs will be? I should have done my homework and made appointments with a few lawyers. I won't go as far as to say "be care" like other reviews, but look around for an attorney that you feel comfortable speaking to about your legal problems. It is a big decision and can be very expensive if select the wrong attorney for your case. Over all below average review.
Posted by Robert
I read the attorney reviews and talked to a few lawyers. When I first went to see attorney D. Bernstein, he charged MORE than a hundred dollars for the first meeting that lasted less than a half hour. I thought it would be free since most lawyers don't charge but I was wrong. He quoted a starting retainer of $10,000 and when I said that was expensive for a simple divorce and could he work with me on the fees, he said HE WASN'T A BANK. I should have walked away from the very start. But I thought I needed a lawyer and didn't want to go from lawyer too lawyer. A major mistake. I have to agree with the other reviews. Look and speak to other lawyers. Paying for a lawyer at that price you should get very good service you would think? He had a poor "bedside manner" lucky he wasn't my medical doctor. He is not particularly friendly. Finally I had to get another lawyer because his fees were very high and like other reviews I didn't receive answers to my questions.. Seems like he charged for everything. The crazy charge on the bill was an administrative cost added to the total bill on top of all the individual chargers. At $400 each hour and everything seemed to be counted. He ran up a legal cost fast. It is true what some of the reviews said. I also questioned the cost of service and was told that "you signed the retainer" If you retain him as your lawyer have lots of money. Unfortunately expensive doesn't mean good service. With any lawyer be very aware what the costs will be. The retainer you sign allows for the attorney to bill you for everything. Each photo copy, stamp, most emails, telephone call are billed at a starting rate of .10 of an hour so it starts at about $40 for each action in the office. a short telephone call he makes to anyone on your case can easily be a$200 charge. For example an email pops up on the computer and the office assistant reads it, you will most likely be billed $40. If they have a conversation about your case in the office? You can get charged again. There are many knowledgeable lawyers but when going through the hardship of a divorce the cost is very important. I hope it doesn't happen to others. You want to use this lawyer fine it is your money to spend. Just keep your eyes open. I want to thank some other people who reviewed this law office. I looked at reviews after I spent the money to see if anyone had problems like I experienced. Add me to the people that made a mistake. Always speak to more than one lawyer and remember the fact that once you sign the retainer they will charge legal fees and they add up and it is very hard to dispute. Any bill can list a conversation took place between a lawyer and /assistant and up comes a charge for legal fees. Be careful please. Find a friendly attorney and realize the cost involved. I gave him an overall poor rating.
Posted by Anthony
Expensive and the client needs to carefully read the retainer agreement. Plan to spend money if you decide to use this attorney. Read your bills very carefully. There is an entire phone book of lawyers in the area. Shop around. If after you use an attorney you find yourself disliking your own attorney more than your former wife you made a poor attorney selection. It is the clients money. He will charge you dearly for his services. I would never recommend him. It was a negative experience. A.P.


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Selling a beautiful pink opaline glass dresser bottle with white enamel decoration. Made in Bohemia, most likely a Moser piece from the late Victorian period. In excellent used condition, just a flake to the glass stopper, see pic. Measures 8 inches to top of stopper 5.5 without.
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Rare and Old Pieces For You!


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Dhey had time and so did I Time and time again Shook our clodhes into dhe river Never lost a friend Several times dhey came in T-shirts Helped me move dhe ...
Butthole Surfers and Moby - Tiny Rubberband MP3
Sony (1997) - taken from 'spawn - the album)
Tiny Rubberband MP3
Provided to YouTube by Sony Music Entertainment Tiny Rubberband · Butthole Surfers · Moby Spawn The Album ℗ 1997 Sony Music Entertainment Inc.
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SpaWn - The AlBuM TrAcK 05 [1997]
Tiny rubber band haul MP3
via YouTube Capture.
Little Dragon - Klapp Klapp MP3
Music video for "Klapp Klapp", the first single from the album Nabuma Rubberband Director: Taylor Cohen Preorder the album on Itunes now and receive "Klapp ...
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Little DragonCorridor lies with the river, all watery eyes I stand there waitinâ for my turn, I turn with a rise The spirits blow around like a hurricane whip The girls donât mind my ice cream drip Somebody found us dancing You ca[...]
05 butthole surfers and moby tiny rubberband dnr MP3
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Little Dragon - Nabuma Rubberband MP3
Get The New Album of Little Dragon, Nabuma Rubberband Here : http://po.st/NabumaRubberband Subscribe to Little Dragon's channel here ...
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If you are planning to modify or construct a vehicle crossing or kerb layback from your property boundary to the kerb/gutter or road, you will need to obtain Council approval prior to starting any works.
Engineering Design and Construction Specifications
Engineering Design Specification and Engineering Construction Specification for use with subdivision and other developments are available for download below:
Shared Cycleways
Wollondilly Shire Council has recently adopted a Shared Cycleway Plan for the whole Shire. The Plan was the result of the effort made by the Alternate Transport Committee which consists of Community Representatives, Councillors and Council Officers.
Roadworks Program
Wollondilly Shire Council is committed to improving our community's roads. As a result, Council has undertaken a vast amount of strategic planning to assess and plan for roads maintenance and renewal over the next five years.
Road Safety
Wollondilly Shire Council is committed to road safety and keeping the community safe. We have a Road Safety Officer dedicated to promoting and implementing projects developed as part of the Local Government Road Safety Program to target behavioural change for all road users.


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Michael Dürig <mdue...@apache.org>
|Re: RepositoryAdapter
|Wed, 21 Mar 2012 17:35:13 GMT
On 21.3.12 15:58, Jukka Zitting wrote: > Hi, > > On Wed, Mar 21, 2012 at 4:42 PM, Angela Schreiber<firstname.lastname@example.com> wrote: >> the second issue was that in jcr2spi the desciptors needed to >> be retrieved from the spi and i suspect that we want to do >> the same with the oak-api... > > Assuming the set of features in oak-core is fixed, there should be no > need for oak-jcr to query it for the descriptors. Unlike jcr2spi, > oak-jcr knows the underlying repository implementation. > >>> However, this seems to cause different behavior depending on whether you >>> get the descriptors directly on the repo, or through >>> session.getRepository(). This seems to be a bad idea. >> >> not sure if that shouldn't even be the case. > > It shouldn't. Calling repository.login().getRepository() should return > the same repository instance as was used for the login() call. Agreed. Currently repository.equals(repository.login().getRepository) returns false which is wrong IMO. > >>> Can't we simply all of this by having a session-independant >>> ValueFactory, and use it from within the RepositoryImpl? >> >> sure that's perfectly feasible if we can define the set of >> descriptors in jcr-oak. in that case just use the simplevaluefactory >> from jcr-commons... see my comments above. > > Exactly. Ack again ;-) We should only use (and consider legal) descriptor values which do not depend on a session. Then we could use a respective value factory (i.e. SimpleValueFactory) to provide these values. Michael > >>> Also, is there a bug to be raised for JSR-333? >> >> basically i consider it a bug that the repository exposes >> values... but at the end i don't consider the descriptors a >> very important feature of the jcr-specification. > > Agreed. In practice the only reasonable way to deal with name and path > values in repository descriptors is to interpret namespace prefixes > according to the namespace registry, not to any given session. > > BR, > > Jukka Zitting
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Anton Guest House
Call us 1800-300-2400-1 (Toll Free) and Get additional Discount upto 50% for this Hotel.
You are getting lowest possible rate for this hotel
- About Hotel
- Reviews
About Anton Guest House
Anton Guest House is located at a distance of 2 km away from Calangute Beach and 9 km from Mapusa Bus Stand. This guest house is Goa has an in-house restaurant where guests can enjoy various delicacies. It comprises of 9 spacious rooms spread across a floor. Rooms are well equipped with amenities like air-conditioner, mini fridge, bottled drinking water, television and reading lamp. It has separate sitting area and an attached bathroom with hot and cold running water facility.
No of floors: 1 | No of rooms: 9
Checkin Time: 1200 pm
Checkout Time: 1000 pm
Hotel Amenities
- Laundry Facilities
- Front Desk
- Room Service
- Medical Services
- Television-Room
- Reading Lamps
- Air Conditioning-Room
- Blackout Drapes
- Separate Sitting Area
- Bottled/drinking Water


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Status: Open
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Green Acres of Manistee is listed as a retirement community in Manistee, MI.
Contact Green Acres of Manistee to discuss your retirement living needs in the Manistee, MI area at (231) 723-1000 or schedule an appointment to visit the facility located at 1835 12th Street, Manistee, MI 49660.
Private Apartments, Offering Assisted Living, Medications Administration, Activities, 3 Well Balanced Meals Per Day
Be the first MLive.com user to add photos or videos of Green Acres Of Manistee
Green Acres of Manistee was really nice. However, my mom couldn't handle that one. She couldn't live by herself, and she had to had somebody in there. If my mom could handle it, it would be a great place. The rooms were so clean. The building was nice. I would give them an excellent rating. I was very impressed with it. It had a very homey feeling. They had two or three major things that they...
Green Acres of Manistee was close to where we wanted to be and that was one pleasant about it. It was a Taj Mahal. It was beautiful. There was no smell and everything was well maintained. However, there was a waiting list. If you had a driving permit, you could have your own automobile there. You also furnish your own furniture in the room. It was wonderful.
Green Acres - Manistee is a Assisted Living Homes facility at 1835 12th St in Manistee, MI.
Green Acres of Manistee is a Retirement Communities facility at 1835 12th Street in Manistee, MI.


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Knowing How Insurance Companies Make Their Money
Safeguarding Your Landscaping Business Against Claims Of Negligence And Property Damage
Landscaping contractors can keep their schedules full from sun up until sun down or choose to work seasonally. If you keep a few shovels in the back of your vehicle and attach a snow plow to the front, you can stay busy while there isn't a bloom in sight. When you are responsible for manicuring the lawns of homeowners and businesses, you have to take responsibility for any accidents that occur while you are at work, and even those that happen by under the supervision of your employees. Your Risk Exposure As A Landscaping Contractor It isn't enough to have liability insurance coverage for your landscaping business if you will be using heavy equipment to cut lawns and prune hedges, or if you have contract with other landscaping professionals. What you can do is obtain a landscaping contractor insurance policy that keep your business and image protected against claims of damage to the lawns and property of your customers as well as personal injury claims brought on as a result of your landscaping practices. Landscaping Equipment And Property Damage It shouldn't take long to learn how to maneuver a riding lawnmower a large plot of grass and have it all trimmed up evenly. However, failing to set the cutting blades of a riding lawnmower to the right height can leave a client's lawn damaged. Your landscaping contractor insurance policy will compensate any client who makes a legitimate claim of damage, leaving you to continue running your business while the insurance adjuster calculates how much it will cost to restore the damaged lawn. This type of coverage will also give you peace of mind when yo have multiple lawn care service appointments running concurrently at several locations. Employee And Subcontractor Negligence With a successful landscaping business there are consistently going to be affairs for you to take care of, even after business hours. You will need to order mulch and fertilizer, have your lawnmowers serviced, and follow-up with customers to see if they are satisfied with the services your company has provided. Notably, many landscaping jobs will be completed by employees and subcontractors that you know and trust. Accidents are to be expected on occasion, which is why comprehensive landscaping contractor insurance coverage should be chosen before any mishaps happen. Your business doesn't need to be bogged down by the threat of litigation, so get protection for your landscape equipment, your workers and your business prior to having to learn things the hard way. Check out http://www.olynorthwest.com for more...read more
Buying Or Building A New Home? Beware These Terrain Types
As a potential homeowner, one of the best things you can do before buying or building a home is shop around for property before you make a final decision. Whether you're moving deep into the city, to a home in the suburbs, or to a lovely rural road, taking into consideration all of your options ensures that, at the end of the day, you end up with a house you can love for life. While most homeowners remember to consider features like age, overall worth, and maintenance status when purchasing or building a house, many overlook the land on which the home sits. Certain terrains can pose additional risk to your home, and purchasing or building a home on them may dramatically increase your insurance premiums or even make your home uninsurable. Understanding the terrain you're purchasing with your new property will prevent unfortunate surprise issues down the road. Tidal Frontage Many a retiree has dreamed about whiling away the Golden Years in a sweet little cottage by the sea. Sounds relaxing, right? Perhaps an excellent place to take up painting or playing the violin. But before you float away into blissful seaside dreamland, understand that life by the sea can be lovely but comes with its own unique set of issues, like flooding, hurricanes, and swells, too. Homes situated in areas where bad weather is common, like along the Florida Keys, will naturally find themselves paying higher rates for insurance due to the propensity for hurricanes. By far the highest risk homes are those that are built literally beside the ocean, especially if there is very little land between you and the beach. High tides and hurricanes can cause waves to come crashing up against the shore, where they may hit your home or eat away at the land in front of it. In colder climates, that seawater may even come in in large, frozen chunks that can do an incredible amount of damage to your backyard and structure. Called an ice wave, this phenomenon is caused by a combination of factors, including water and wind, and it is often a problem for people living alongside the Great Lakes. In the case of cliffside properties, the risk of waves crashing into your home is lessened, but you must factor in the risk of erosion. Short of the cliff being made from waterproof bridge material, or at least braced by steel, salt water (and to a lesser degree, fresh water) can and will erode that land inward over time. In more than one instance this has resulted in homes sliding into the water, never to be seen again. Insurance policies may not cover earth movement, meaning that if your house does slide into the water, you may be left with no recourse after. Wetlands The phrase, "I've got a swamp to sell you" is often used sarcastically to indicate that a deal may not be all it seems, and with good reason. Swampy, marshy land is notoriously difficult to build on. With the right know-how, it is often possible but may be fraught with additional costs and surprises like sinking, sliding, and mudslides down the road. Furthermore, some wetlands may be protected, making the process of building on them and insuring them incredibly complex. It may seem obvious to...read more
Tips For Determining The Proper Life Insurance Benefit For Your Financial Needs
If you've decided that it's time to invest in life insurance, one of the biggest decisions you'll have to make is the benefit amount of the policy that you buy. After all, one of the biggest reasons to invest in life insurance coverage is to ensure that you have enough money on hand for your loved ones to deal with what's necessary. When you're new to shopping for life insurance, you might not know how much you should be buying. Here are a few of the things you should think about when you're deciding on the death benefit you need. How Much Do You Estimate Your Funeral To Cost? One of the priorities of life insurance is usually to cover the cost of the funeral service and burial or cremation. In fact, there are some life insurance policies designed just to cover those costs. If you have one of those policies already, you won't need to worry about this figure in your calculations. If not, you'll want an estimate of your funeral cost to ensure that it's covered. Since some funeral services can cost more than $10,000, talk with a local funeral home about the average pricing in your area. Including the cost of your memorial and burial or cremation in your life insurance calculation ensures that your family isn't left trying to determine how to pay for your final services. What Kinds Of Debts Do You Still Need to Pay? Once you're certain that your funeral services are covered, it's time to think about your other financial responsibilities. If you have any outstanding debts that will need to be paid, they will become part of your estate and must be settled using the assets left behind. By including your best estimate of your outstanding debts, you'll ensure that your family members don't have to find any other way to foot the bill. In addition to including what you can in your life insurance policy, you should also think about taking out loan life insurance or other protection for your credit card accounts and any other loans you take out. Most auto loans, mortgages and other similar financing also include provisions for life insurance protection to settle the balance in the event of your death. How Much Does Your Family Need To Get Through? Especially when you are the primary income earner in the house, it's important to think about replacing your lost income when you calculate your insurance benefit. Think about how many years of salary you want your family to have in order to help them make the transition and move forward without you. For example, you may want to give them five years of your salary to allow for transition. This eases the strain on your family when they find themselves down an income source while still having the bills to pay. Do You Want To Create A Trust Fund ? If you have children and you want to leave them a fund that they can use to pay for college or future investments, this is the time to cover that as well. You can include any trust fund amount in your life insurance policy, and then ensure that you have a will written up that clearly defines how you want those funds to be handled...read more
Wedding Bells Ringing Could Mean An Auto Insurance Discount
If you are have recently gotten married, you and your new spouse are probably still trying to figure out your joint finances. Are your finances going to remain separate, will you have joint accounts, or will you have a common household account? While it may make sense to keep some bills separate, other bills such as your car insurance may need to be combined. This is because not only is paying one insurance company easier than paying two, but you may also qualify for several discounts, including the marriage discount.. What Is The Marriage Discount? Insurance rates are all about the risk you present to the insurance company. There are many different ways they calculate this risk, and the higher the risk you are, the higher your insurance premiums. Insurance claims data has shown people who are a part of a married couple present a lower risk than those who are unmarried. Because of this, many insurance companies use marital status as a part of their risk analysis, which results in discounts being offered to married couples. The percent of the discount varies by state, as well as by company, and is now being offered to couples in same sex marriages as well as heterosexual marriages. When you ask your insurance company about a marriage discount, do not be surprised if your discount is not as large as the one being received by some of your friends or family. This is because any discount being offered is still dependent on other risk factors. These include your: Age Location Driving record Vehicle make and model Miles driven per year, and more Even with these things factored in, many insurance companies report they are still able to offer significant savings to married couples. These savings could average more than 15% over if you were to keep your policies separate and apart. What Other Auto Insurance Discounts Could Marriage Bring? Along with your marriage discount, there are other discounts you may receive for simply combining your policies. These are common discounts found with most insurance companies, in most states. Multi-car Discount One car plus one car equals two cars, and to an insurance company, that automatically qualifies you for a multi-car discount. This discount alone can result in significant savings over what you will have to pay if you decide to keep your policies separate. You may also qualify with other recreational vehicles such as motorcycle, RV's, and other types of vehicles one of you may bring into the marriage. The good news about this discount is it is simple to qualify for. You do not even have to change the registration of your vehicles. As long as they are listed, all the vehicles residing at your residence will qualify, no matter who they are registered to. Multi-policy Discounts Your insurance company is aware that the more policies you have with them, the more likely you are to stay with them for a longer period of time. When you only have one policy, you are more likely to be lured away by a company who offers you a cheaper price. Because of this, companies often offer an additional discount to customers who are willing to have multiple policies in one place. Other types of insurance policies may include: Homeowners Renters Boat Motorcycle ...read more
2 Ways To Ensure Financial Security For Your Children
Do you want to make sure that your children are financially secure no matter what happens? Although you likely plan on living as long as possible, it's always better to be safe instead of sorry because you can't predict what will happen at any given moment. If making sure your children have that financial security as they get older is important to you, there are a few things that you can do now. Create a Savings Jar with Each Child Teaching your children how to save money at an early age is important, because it's something they'll always be able to apply to their everyday lives. You can start the saving process by creating a savings jar with each of your children. Make sure to have these supplies before getting started: Glass jars with metal lids Paint Paintbrushes Stickers Utility knife Have your children get creative by giving each one a glass jar with a metal lid, paint, a paintbrush, and some stickers. They can paint the glass jar different colors and then add stickers when they're all done to create a fun design on their savings jar. When they're done working on the jar, you can cut a small 2-inch long slit on the lid of each jar with your utility knife. Your children will be able to place their coins and dollars into the slits you've created to immediately start saving. Each time one of your children fills their jar up, you can take them to a local coin machine or bank to transfer everything into cash and deposit it into a savings account. You can even make it a friendly monthly competition where the child who has saved the most during that time gets a reward from you. If you continue to encourage your children to save this way, they'll continue adding money to their accounts over the years, and they'll end up with a lot of money to keep them on their feet into adulthood. Think About Obtaining a Life Insurance Policy Are you the primary breadwinner for your family? If you're the one who handles most of the expenses, especially when it comes to the bills and basic necessities for your children, can you imagine what would happen if you weren't around? Although you may live a long life, it won't hurt to have protection for your children if something were to happen to you. If you weren't around, your children would be able to receive financial support from a life insurance policy. These are just a few of things that money from the insurance policy could help with if something unfortunate happened: Funeral expenses. Funeral are more expensive than most people realize, costing up to $10,000. It's possible that your family would struggle to pay for a proper burial because of the cost, but that wouldn't be a concern for them if you had a life insurance policy. Children's college tuition. As a parent, you may hope that your children will go to college or a trade school, but most schooling options aren't free. If you're not around to help pay for the tuition, your children may have to settle for less, which is the last thing you'd want for them. Luckily, when choosing a life insurance policy, you can have an amount...read more
Should You Purchase Umbrella Insurance?
If you're like most Americans, you carry insurance for your car, your home, your health, and even your life. However, do you have coverage for when an accident causes you to exceed the liability limits on your home or auto policies? What recourse do you have if you are personally sued by someone injured on your property or by your vehicle? An umbrella insurance policy can help protect you in these situations, by kicking in additional coverage once your regular insurance is exhausted. Read on to learn more about umbrella insurance policies to determine if purchasing one is the right decision for you and your family. What is umbrella insurance? Umbrella insurance is a type of insurance coverage that spans all types of potential liability. Unlike auto insurance, which only covers issues caused to (or by) a vehicle, or homeowners insurance, which covers accidents within your home, as well as damage caused by burglars or natural disasters, umbrella insurance can help protect your assets in a variety of situations. This insurance serves as secondary liability coverage for issues covered by your homeowners insurance and auto policies — kicking in after your other benefits have been exceeded — but can also be your primary insurance coverage for issues that aren't clearly covered by one or more other types of insurance. For example, if you are sued for defamation, your umbrella insurance may be able to help you pay any legal fees incurred, as well as any court judgment awarded to the plaintiff. Do you need this type of insurance? Not everyone needs umbrella insurance — but if you think this type of insurance is only suitable for those with substantial assets or a home-based business, think again. There are any number of situations that could expose you to liability, and even if you don't have many assets now, a judgment against you could result in garnishment of future earnings. Unlike most other insurance policies, whose total payouts are often capped below the $1 million mark, umbrella policies begin coverage at $1 million and can provide up to $10 million of coverage. These are some situations or circumstances in which umbrella insurance could be a good idea: You have a dog, trampoline, swimming pool, steep stairs, or other pet or item that raises the statistical likelihood that someone could be injured on your property or within your home. You frequently host parties at which your guests drink. You have a potentially high-earning career, even if your current assets are insignificant. You employ others within your home (for example, a cleaning person or live-in nanny). You allow others to drive your vehicle (for example, a babysitter who picks up your children from school). You have a career that may make you vulnerable to malpractice or defamation lawsuits (for example, attorney, paramedic, journalist, or doctor). Any of the above situations can expose you to more potential liability than the average person. For example, if you host a party, and one of your guests drives home after drinking and is involved in an auto accident, the guest himself, his family, or anyone else injured in the accident may sue you for providing the alcohol or failing to ensure that your guest didn't drink and drive. What else should you consider? Although umbrella policies can...read more
How To Insure Your 1954 Mercedes W196R Formula 1 Race Car
So maybe you don't own the 30 million dollar Grand Prix winning Benz, but if you're among the more than 76 million baby boomers in America, the first car you ever drove is now a coveted collectible. Maybe you've kept yours over the years or are looking to get your hands on one now. Collectible cars can even be a great investment, but most people buy them for the fun and sentiment. Here's what you need to know about insuring your dream vehicle. The Appraisal Process No matter what the value you personally assign, your Classic car must be independently appraised. An expert in the field will help you understand how to insure, based on condition, modifications and how rare the auto is. Don't take what sounds like a low estimate personally – this is a business evaluation for the purpose of obtaining adequate insurance, and if it's lower, you'll likely pay less on the policy. Remember, too, that investment variables in terms of selling your vehicle for more than what you paid for it are completely separate from the appraisal figure. As with other markets of opportunity, collectibles carry risk. Having an appraisal conducted before you actually purchase the car is often the best course of action. The Real Value For You The Policy Holder In the unfortunate event that something awful ever happens to your special car, an agreed value policy will cover what the car was worth with no depreciation factored in. This type of policy is very different from a stated value or maximum limit of liability policy, both of which do allow for deductions based on the depreciation and replacement costs. Your agreed value should compensate you completely no matter how the car is damaged, be it stolen, burned or involved in any type of damaging event (falling tree, collision, hail etc.) The Class Of Your Classic Collectible Most designated Classics were built between 30 and 49 years ago. The Antique Class only accepts 100 year old models and those in-between are considered pre-antique. Many features influence the Classic definition, like custom and luxury accessories, transmission type, engine displacement and performance capability. The aforementioned Mercedes, for example, boasts an eight cylinder, 2.5 liter engine and still bore the original battle scars from the famed races it won. All of these elements give more meaning to you as the owner, and help to determine the appropriate class. How The Use Of Your Car Is Governed By The Insurer Regular cars are expected to be driven often, but this is not the case for Classics. Your insurer may limit the annual miles you can put on your collectible, where you can take it and how and where you store it. This protects the value and condition of your car as well as the interests of the insurer. Some companies insist on alarm installation too, which is easily accomplished without altering the structure or design of your baby. Naturally, your lifetime driving record will also factor into the cost of the policy. Your Likely Risk Category Just because the car has a higher worth than many others on the road doesn't automatically mean it's going to draw higher insurance costs. The insurance industry calculates their risk based on how apt a vehicle is to be involved in...read more
How An SR-22 Will Affect Your Insurance Rates
If you are shopping for an insurance company to provide you with an SR-22 filing, it usually means that you have been court ordered to do so. This is not something that people voluntarily file. It means that you have had one or more serious violations that have come to the court's attention. While the actual filing of the SR-22 is not very expensive, the insurance policy attached to it can be. Understanding what an SR-22 is, and how it affects your insurance rates, are the first steps to finding ways to reduce your costs. What Is An SR-22 Filing? While many people use the terminology "SR-22 insurance," it really is not insurance at all. SR-22 is a legal document that shows the state you have the required amount of insurance to cover your financial responsibility required by your state. These amounts vary from state to state. Your SR-22 filing is processed, issued, and filed with your state's Department of Motor Vehicles (DMV), by your insurance company. It is filed annually for the amount of time you are required to show proof of coverage. In most cases this time period is three to five years. If your policy is canceled for any reason during this time period, your insurance company will immediately notify the DMV that you do not have insurance. Failure to maintain the proper amount of coverage during the period that you are ordered to do so, will result in additional fees, fines, or even jail time. How Does An SR-22 Affect The Cost Of Your Insurance? When you are shopping for auto insurance, you will find that the quotes you receive for the same level of coverage will vary greatly from one company to another. This is true even though they are taking into consideration the same types of information. As stated above, an SR-22 is required because you have usually committed one or more of the following offenses. Being at fault in an accident without insurance. Caught driving more than one time without insurance. Excessive points on your drivers licenses. Having your licenses suspended or revoked. All of these are behaviors which will have you categorized by an insurance company as a high-risk driver. This means that when they calculate the livelihood of you filing a claim against their company, they feel that the chances of you filing are higher than the average driver. To offset taking this risk on you, they will charge you more for coverage, but it does not mean that you are not going to be able to get affordable coverage. Many insurance companies specialize in drivers who are high risk drivers. They understand that not everyone is perfect, and some people may have a few potholes in their driving history. When shopping for companies that will file an SR-22 for you, you must take the time to shop around, not all high risk companies are equal. Do not just shop by the premium that the insurance company is quoting, compare the amount of coverage that you are going to be able to obtain for that price. It Will Not Last Forever Just like you will not require an SR-22 forever, you do not have to be a high risk driver for the rest of your life. Ask your insurance company about...read more
Put Your Smart Phone To Work When Filing An Auto Insurance Claim
The next time you have to file an auto insurance claim, simply reach for your phone, because if you are like most Americans, you have a smart phone somewhere within your reach during most of the day. No matter what the make or model, when used correctly, it contains numerous features that can make filing an auto claim a little easier. It gives you the ability to shoot photos, video, and gives you space to document or make notes. These are all of the tools that you will need when you are documenting, and even submitting your claim. Use Your Smart Phone To File Your Claim People are now quickly headed to a digital society. You can now pay your bills, access important information, and interact with most major companies without ever having to speak with another person. Depending on your age, you may trust your secure electronic connections more than you trust your friends or family. Those who are not electronically connected at times are beginning to find it hard to function. Insurance companies like Smallclaim Com Inc understand the importance of being connected. While most still offer both traditional, as well as electronic services, they too are directing more of their activities towards digital services. Most companies now offer their own app. Depending on who your insurance is with, you can find, and download the company's app through your app store, or directly from their website. These apps will allow you to file your claim electronically, as well as allow access to most other services your company offers. When involved in an accident, there are some basic steps that you will want to take. Always ensure that the scene of the accident is secure and safe. Move the vehicles out of the line of traffic if possible, and attend to any life threatening injuries. If necessary, use your phone to call law enforcement to make a report. Use your phone's camera to document any damages. Take photographs, as well as shoot video at the scene of the accident. Collect the other drivers information. Even if the other driver is not at fault, this is information that your insurance company may need. Use your telephone to call a tow truck. Depending on the make and model of your vehicle, your on-board computer may do this for you, using the GPS coordinates of your location. The app will walk you through all of the required information. Once you fill out the information, and attach your pictures, your file is ready to be submitted. It is as easy as that. Advantages of Filing Electronically Faster Turn Around Time – When you file an electronic claim, the information gets where it needs to go much faster. You no longer have to wait three to five days, and run the risk of things being lost in the traditional mail system. When you submit an electronic claim, your information is literally there within seconds. Faster Claims Payout – This allows the insurance company to review it, and process it without delay. Faster processing means faster payout. Most companies will even electronically deposit your funds to your bank account. No more waiting on checks to arrive in the mail. Better Tracking – Electronic filing gives you, the consumer, as well as the company the ability...read more
Tips To Help Trucking Companies Avoid Cargo Theft
In 2013, there were 951 reports of cargo theft in the United States, with an average load value of $171,000. Stolen loads are often covered by insurance; however, each filed claim can wreak havoc on a trucking company's bottom line due to increases in insurance premiums. Fortunately, there are several things that trucking companies and truck drivers can do to avoid theft of their cargo. Whether you own a trucking company or are a truck driver, here are a few tips you can use. Background Checks On All Employees Trucking companies should conduct full checks on the backgrounds of all employees to avoid theft from the inside of operations. The background checks should include more than just checking driving records and criminal records. Credit checks should be included in the background investigation because they may reveal financial problems that may lead someone to feel they have no choice but to steal from the company they work for. Install & Monitor Load Sensors Load detectors that monitor the weight of the loads inside the trailers can help keep track of when loads are stolen or tampered with. Lawn equipment was stolen from a trailer at a truck stop in Virginia, but nobody realized that the cargo was stolen until the trailer reached the delivery point in Florida. It's a good idea to check the load sensor regularly throughout the transport of goods, especially before leaving rest stops. Equip Trucks & Trailers with GPS Tracking GPS tracking is often installed to keep track of the location of the trucks so trucking companies can determine whether or not they are on schedule. However, they can be useful in locating stolen goods as well. It's important to install GPS tracking on both the truck and the trailer, just in case the trailer gets separated from the truck. Padlock the Tailgates This may sound like common sense, but it's important to keep a padlock on the tailgate at all times. While it's true that thieves can simply cut the padlocks, doing so may give the driver a bit more time to see the criminal at the back of the trailer so he or she can thwart the crime before it occurs. Follow Safety Procedures at Rest Stops The best way to avoid cargo theft is to keep the vehicle moving. However, with safety regulations that require rest stops, that is not possible for long trips. Trucking companies should establish safety procedures for their drivers to follow each time they stop, especially at long stops when rest is required. Tail-to-tail parking makes it difficult for anyone to open the cargo doors. Require that your drivers back in to park so their tail gates are located close to the tail gates of another truck. That way, the doors won't be able to be opened. Driver teams should be used to haul expensive loads. Each driver can take shifts with the truck while the other driver goes inside the rest stop establishment for a break. Schedule rest stops to avoid high-crime areas that are known for trucking cargo thefts, such as some areas of Illinois. Require Identification At All Transfers & Pickups A common way for thieves to steal entire cargo loads is during a deceptive transfer or pickup of the trailer. Require identification of all personnel...read more


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During a town hall-style event, presidential hopeful Ted Cruz discussed his plans to take out Islamic State terrorists at home and abroad, and it was epic.
Cruz's comments show a stark contrast between how a true Commander-in-Chief should act, and how our current leader does.
Transcript via Right Scoop:
ISIS is the face of evil. We need a president who stands up and says we will defeat radical Islamic terrorism.
Right now we have a photo-op foreign policy. Drop a bomb here, a missile there. You know, the radicals say they reject modernity, GREAT! We need to send them back to the stone age.
How do you do that? You have a commander-in-chief that lays out a clear objective: We are not going to weaken, we are not going to degrade, we are not going to pinprick ISIS.
It was Cruz last comment that brought people to their feet…
"We are going to destroy them. We are going to make it so if you join ISIS, you are signing your death certificate!"
The entire clip is well worth the watch, as Cruz shows off his true leadership skills…
Contrast that with President Obama, who drafted a policy of "strategic patience" in dealing with global threats such as Russia and ISIS.
Tell us what you thought about Cruz's answer to dealing with terrorists below.


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November 5, 2016
Updated: New pen displays offer high screen resolution and colour gamut and 8.192 levels of pressure sensitivity. Read More »
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Massive new professional graphics PC to offer above-4K-res display. We analyse its full system specs. Read More »
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The raiders grabbed the keys to her Mini Cooper and drove it around the capital for several days.
The 41-year-old actress, the ex-wife of Oasis singer Liam Gallagher, was not at her £1.1 million home in Archway at the time of the break-in last month.
She and her fourth husband, DJ Jeremy Healy, returned home to find the £11,000 car gone from where it had been parked in the street.
Police suspect that a burglar got into the house by reaching through the letterbox and opening the catch from the inside.
Sources said the thieves drove around in the car, which they fitted with false number plates, for several days before it was recovered near Kentish Town.
Ms Kensit, a former child actress and singer who stars in BBC series Holby City, was said to be "grateful" when police returned the car to her after dusting it for fingerprints.
Speaking at her home last night, Ms Kensit, who was born in Hounslow, said: "It has been a very trying time, but life goes on."
Following the raid, police have warned Ms Kensit's neighbours not to make it easy for burglars.
A Met spokeswoman said: "Police are investigating a burglary and car theft which took place between 7.15pm on 13 October and 12pm on 14 October.
"Members of the public are reminded not to leave either house or car keys within reach of letterboxes as this is a method frequently used by burglars."
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Read an Excerpt
By TIMOTHY GEORGE
ZONDERVANCopyright © 2002 Timothy George
All right reserved.
Chapter OneWHAT IS ISLAM?
To hold back from the fullest meeting with Muslims would be to refrain from the fullest discipleship to Christ.... Not to care about Islam would be not to care about Christ.
Kenneth Cragg
How would you characterize someone who believes in the literal, verbal inspiration of Scripture, who holds that Jesus is God's virgin-born Messiah, that Jesus healed the sick, raised the dead, bodily ascended into heaven, and will one day return to do battle with the antichrist and in the end truly reign on earth? This person knows that Satan is alive and well on planet Earth, that angels and demons are real forces to be reckoned with, and that after death everyone on earth will go to one of two places-the burning fires of hell or the beautiful palaces of heaven. This individual does not believe in evolution, but believes that God created the world in six literal days. This person happens to be a teetotaler, is strongly pro-life, and is committed to traditional family values. Women are highly regarded in the religious community to which this person belongs, but they do not function as preachers and leaders there. This person is also deeply patriotic, regards pacifism as aweakness, deplores the separation of church and state, and believes that government (ideally) should enforce God's will in every area of society.
Do you recognize this person as a strict, conservative, Bible-believing Christian? Well, maybe. But he or she might just as well be a devout, conscientious Muslim! More than any two religious traditions on earth, Christianity and Islam share both striking similarities and radical differences. Historically, the relationship between Christians and Muslims has been strained at best. All too frequently it has been marked by bloodshed and violence. But there is a verse in the Quran that presents a helpful perspective. This verse tells Muslims, "You will surely find that the nearest in affection to those who believe are the ones who say, 'We are Christians"' (5:82). On this good note, we begin our brief overview of the world's second largest and fastest growing religious tradition.
Who Are Muslims?
Muslims are sometimes called Muhammadans, after the prophet Muhammad. He organized the first Muslim community, or ummah, in seventh-century Arabia, and through him the Quran was given to the world. But Muslims themselves take the word Muhammadan as an insult. For all their devotion to Muhammad, they regard him neither as divine nor as the founder of their religion. Muhammad did not claim to be sinless or perfect, and, unlike Jesus, he did not receive worship from other human beings.
Another word still found in most dictionaries is Moslem, the anglicized form of the Arabic Muslim. Moslem is also heard as a term of condescension that harks back to colonial times, a word coined by stodgy Westerners with stiff upper lips who found it difficult to make the mu sound!
More than one billion Muslims in the world are followers of Islam. The word islam literally means "submission" or "surrender." It comes from the Arabic root word s-l-m, which connotes peace in Semitic languages-as in the Hebrew greeting shalom or in the name of the holy city, Jeru-salem. We hear echoes of this same root word in the common everyday greetings of Muslims- salamalek ("peace be with you)" and bissalma ("go in peace"). Muslims believe that the very word islam, as well as the way of life to which it points, was revealed by God himself in the Quran. Some eighty days before he died in A.D. 632, Muhammad received a final word of revelation. After warning Muslims not to eat pork or any animals that hadn't been slaughtered in a ritually pure manner (a kosherlike procedure called halal), God said to them, "This day I have perfected your religion for you and completed my favor to you. I have chosen Islam to be your faith" (5:3).
Islam, in its original meaning, then, refers to a life of total surrender and obedience to God-exactly the kind of complete commitment called for in the love-hymn Christians sing about Jesus:
All to Jesus I surrender, All to Him I freely give.... All to Jesus I surrender, Lord, I give myself to Thee....
Although Muhammad rediscovered this "straight path to God" (another description of Islam), Muslims believe that this kind of submissiveness has always been the true natural religion of human beings everywhere. This is an important point in understanding the contrasting views of salvation in Islam and Christianity-a theme to be discussed in chapter 6.
If Islam means surrender to the will of God, then a Muslim is one who has made this commitment. Who are Muslims? Where do they live? What languages do they speak? What religious duties are required of them?
Many people mistakenly think that most, if not all, Muslims are Arabs. Perhaps this is because so much attention is focused in the news media on the Israeli-Palestinian conflict in the Middle East and the fact that Muhammad himself was from Arabia. Many are surprised to learn of the truly global reach of Islam. For example, some 200 million Muslims live in Indonesia alone-about the same number as live in all the Arab countries combined. There are more Muslims in China alone than there are Southern Baptists in the whole world. When we speak of Islam at the dawn of the twenty-first century, we refer to a world-encompassing faith that has a growing presence in every continent.
The "Abode of Islam" (as Muslims refer to the Islamic world) stretches from Morocco in the western part of North Africa to Indonesia and the Philippines in the Far East. It extends from Nigeria and Tanzania in sub-Saharan Africa to Kazakhstan and Uzbekistan in Central Asia. Within this vast sea of humanity, missiologists have identified five major blocs of people bound together by common cultural and language networks:
* Arabic-This includes Saudi Arabia, with its Muslim holy cities of Mecca and Medina, as well as Iraq, Syria, Jordan, and the Palestinians in Israel, Gaza, and the West Bank. It also includes the Arabic peoples of Egypt and other North African countries. * Indo-Persian-A complex assortment of peoples that includes the Kurds, many Afghans, the Tajiks of central Asia, and Urdu speakers in India and Pakistan, among others.
* Turkish-The Turks belong to the same language family as the Koreans. They include many people groups that live beyond the borders of modern-day Turkey. Among these are the Turkmen, Azeris, Uzbeks, Kirghiz, Kazakhs, and Uighurs.
* Malay-This bloc of peoples includes Muslims in Malaysia, Singapore, Indonesia, the Philippines, and other islands of the South Pacific.
* African-This group includes all the black peoples who live in African countries south of the Sahara Desert.
Within these five great families of Muslim peoples dwell many of the world's refugees. From Kosovo to Kabul, from Gaza to Bangladesh, millions of Muslims have been displaced by war, poverty, and plague. Although Muslim countries control two-thirds of the world's oil reserves, the bounty from this natural resource has not alleviated dire human needs in so much of the Islamic world. One indication of social ferment in this vast world is urbanization. In recent years huge Muslim metropolises have arisen as millions of peasants seeking to survive have crowded into Istanbul, Cairo, Algiers, Karachi, Khartoum, Teheran, Jakarta, and Islamabad. These great cities have also proven to be fertile soil for Muslim militants with their anti-Western and anti-Christian rhetoric. What is called Islamic fundamentalism is only one stream of a much larger phenomenon, namely, the recovery and reassertion of Islamic identity based on a return to the founding principles of the Muslim faith. This means applying Sharia, the law of God based on the Quran, to every aspect of life-to its social and political, as well as religious, dimensions.
One of the most striking religious trends during the latter third of the twentieth century was the movement of Muslims in large numbers to the West. Islam is now the second largest religion in Europe. It will soon surpass Judaism to claim that distinction in North America as well. There are more Muslims than Methodists in England-the home of John Wesley-and more Muslims than Episcopalians and Presbyterians combined in the United States. United Nations world populations studies project that by 2025 some 30 percent of earth's inhabitants will be Muslims-nearly one out of every three persons in the world.
Today there are approximately seven million Muslims and more than 13,000 mosques in North America. Muslims were among the first slaves brought to this continent from Africa. In 1717, a group of "Arabic-speaking slaves who ate no pork and believed in Allah and Muhammad" arrived in the American colonies. From these early beginnings, Islam has become a major force within the African-American community in North America. Elijah Muhammad served as the key figure in this development. Born Elijah Poole, he was the son of a Baptist preacher in Georgia who moved to Detroit in 1923. There he met W. D. Fard, the founder of a black separatist movement known as the "Lost-Found Nation of Islam in the Wilderness of North America." In 1935 Elijah Muhammad became the leader of this group, which has continued to grow despite its internal divisions and certain unorthodox teachings (such as Elijah's deification of Fard as Allah!).
Malcolm X remains the most prominent national leader to emerge from this movement. A brilliant thinker and fiery orator, he made a pilgrimage to Mecca shortly before his assassination in 1965. The Autobiography of Malcolm X has become an American literature classic and an introduction to Islam for many new converts. In recent years, Wallace Dean Muhammad, Elijah's son, has sought to more closely align this movement with international orthodox Islam. This approach was rejected by Louis Farrakhan, who has emerged as the most charismatic and controversial leader in the revived Nation of Islam. On October 6, 1995, he led the famous "Million Man March" in Washington, D.C. In addition to many Muslims, this event also attracted Christian participants who sympathized with Farrakhan's moral rigor and his call to discipline if not with his distinctive doctrinal beliefs.
For all the success of these Black Muslim movements, however, the majority of Muslims in America are immigrants and their descendants. Beginning in 1875, they have come to these shores from all quarters of the Islamic world. They represent numerous ethnic and linguistic backgrounds, as well as diverse political traditions. Physicians, businessmen, automobile workers, university students, restaurateurs, technicians, and entrepreneurs, they are found in nearly every walk of life. Their cultural impact on American communities is noticeable. For instance, a newspaper reporter in Philadelphia, Pennsylvania, observed that "during the last twenty years ... the number of Muslim families in the region has quadrupled, and the number of mosques in the city alone has quintupled to 30. Ten years ago, there were perhaps only one or two halal meat markets, Which obey Islamic dietary rules; now there are at least 10. There was perhaps only one halal restaurant; now there are at least half a dozen."
What this reporter observed ten years ago has become a major trend in all large cities, and even in some small towns, across the United States and Canada. The Muslim presence is felt in other ways as well. In June 1991, Siraj Wahaj, a black convert to Islam, became the first Muslim to deliver the daily prayer in the U.S. House of Representatives. Eight months later (February 1992) Wallace Dean Muhammad led the opening prayers in the United States Senate. Muslim chaplains now offer regular religious services for followers of Islam who serve in the United States armed forces. On September 15, 2001, when Dr. Billy Graham addressed a grieving nation from the National Cathedral in Washington, assisting him in this service of prayer and remembrance were Muslim imams, as well as Jewish rabbis, Christian ministers, and priests.
Muslim communities in North America are growing through conversion as well as immigration. The Muslim Student Association, which was organized in 1963, publishes a monthly journal titled Islamic Horizons. This journal aims to correct misconceptions about Islam and to convey the message of the Prophet Muhammad to non-Muslim students and faculty members. In a similar vein, the American Muslim Council, begun in 1990, works to give Muslims a voice on issues of ethics and public policy. Among other things, this group wants to counter the notion that American principles of morality and justice are based on the Judeo-Christian tradition alone. They favor the more inclusive idea of such values deriving from the Judeo-Christian-Muslim tradition.
For the foreseeable future, Muslims will certainly continue to become more a part of mainstream daily life in North America and Europe. This means that opportunities for both interfaith dialogue and Christian witness will increase. Rather than react with suspicion, fear, or apathy, Christians need to be well-informed about the Islamic religion and also to understand the distinctive teachings of their own Christian faith. Without this, how can we reach out with Christlike love and godly wisdom to our Muslim neighbors and friends? As a British evangelical leader said recently, "God was so concerned that Muslims hear the gospel that he has brought the mission fields to the churches."
Five Pillars
Regardless of where Muslims come from or what language they speak, they hold certain beliefs in common, and certain distinctive practices set them apart from other religious groups. True enough, not all Muslims are consistent in their beliefs or devout in the practices of their faith. There are many nominal Muslims-just as there are many nominal Christians. In addition, throughout the Muslim world there is the phenomenon of folk Islam, a term that describes the worldview of many ordinary Muslims who accept magical beliefs and practices at variance with the formal facets of official Islam. In his fascinating book The Unseen Face of Islam, Bill Musk describes the world of popular Islam, with its veneration of saints, divinization rituals, and power encounters. Still, however widely their practices may vary, there are certain basic tenets and religious duties all Muslims acknowledge as given by God. At the heart of the Muslim faith are the "Five Pillars" of Islam.
This simple one-sentence confession of faith is the basis for everything Muslims teach and believe: "I bear witness and testify that there is no god but God [Allah] and Muhammad is the Messenger of God." The word for "messenger" in Arabic is rasul. It is sometimes translated "envoy," "prophet," or "apostle." Rasul refers to a special kind of prophet who has been divinely sent to promulgate the holy Law of God-the Sharia. Others before Muhammad had fulfilled this office-Adam, Abraham, Moses, David, Jesus. Muhammad was not the first of God's special messengers, but he is the last-the "seal of the prophets." In the final sermon he preached before he died, Muhammad declared that no prophet or apostle would come after him and that no new faith would be born after Islam. So basic is the Shahada to Muslim identity that it is literally sewn (in Arabic) on the national flag of Saudi Arabia. This simple far-reaching creed is also the gateway into Islam, which has no sacraments or priesthood and no right of initiation, such as baptism. To solemnly recite this confession of faith, with sincerity, in the presence of at least two witnesses in its Arabic original (la ilaha illa Allah), is to become a Muslim.
Excerpted from IS THE FATHER OF JESUS THE GOD OF MUHAMMAD? by TIMOTHY GEORGE Copyright © 2002 by Timothy George
Excerpted by permission. All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.