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Need a Car Accident Lawyer in Nashville, Georgia?
Auto accidents can change your life and the lives of loved ones. The emotional trauma, physical injuries, and financial hardships can be crippling without the proper legal guidance. At The Mabra Firm, our Nashville car accident lawyers provide compassionate and dedicated legal services to everyone injured in an accident around metro Nashville. The National Center for Health Statistics reports that about 40 million people experience personal injuries every year that require medical assistance. Of those incidents, about 5.5 million resulted in car accidents.
That is because motor vehicle crashes are some of the most common injuries people face. It is common for victims of negligence to contact a personal injury law firm and file a claim. When they do, a vast amount of questions surface about the legal system and how things work.
No doubt, filing a claim comes with many twists and turns. If you have questions about your accident, look no further. Our car accident law firm has the answers to your most frequently asked questions here. Let's get started with learning exactly what you need to do after an auto accident.
What Do You Do After a Car Accident in Nashville?
The events immediately following a car crash are some of the most important steps you can take. Understandably, an accident can leave you in a daze or panicked. Our car accident lawyers in Nashville recommend following these 7 steps:
- The first thing you should do is call emergency services. You don't know if the other person has injuries. Plus, you have yet to assess yourself to see the extent of your injuries. Some injuries are not immediate and can arise hours or days later. Dial 9-1-1 to get an ambulance out to the scene of the car crash as soon as possible.
- Once you seek medical attention, you want to ensure you get the other person's info. Along with this, try your best to preserve the evidence of the accident.
- Don't let anyone touch your car or the bits on the road. You never know what will end up helping your claim down the road. So, be sure to speak to the other driver and exchange information.
- You want to ask for things like:
- Their name
- Their phone number
- Their address
- Their license plate number
- Their insurance company
- Gathering this data is a critical step in the process because you need to give these details to your insurance company. It also helps down the road if the person tries to lie about their involvement in the accident.
- Once the police arrive, tell them everything you remember about your car crash. The police officer acts as a witness to the scene and will write up a police report. You can request a copy of that report to use in your insurance claim. It is important to note here that if you are on private property and get into an accident, the police have little jurisdiction.
- The few steps you need to implement are taking pictures, contacting your insurance company, and finding a car accident lawyer in Nashville, GA. Be sure to take pictures of your car to prove damages to your personal property.
- Then, hire a lawyer. Many people make the mistake of contacting the insurance company before talking with a lawyer. However, you want to speak with a lawyer before talking to anyone else. That way, you have solid advice on what to say and do in such a delicate situation regarding the settlement.
How Does a Car Accident Claim Begin?
Once you speak with your insurance company and contact The Mabra Firm, the process of a personal injury claim can begin. Initially, it starts when you file a summons, and the lawyer serves a complaint to the at-fault party.
But there are a few exceptions to this, especially if multiple people are involved, resulting in a multi-vehicle accident. There is also the chance that the at-fault party is an employee who was on the job.
If that is the case, your lawyer will look into whether the person has uninsured or underinsured coverage. If so, then whoever their insurance company is also served with a complaint.
If the at-fault party has no insurance, you may need to file a personal injury claim with your insurance company. Most of the time, auto insurance provides you with the necessary compensation for your injuries and damages.
You may understand getting compensation for your injuries, but what is in the damages part of that? Continue reading to find out.
What are Damages in Car Accident Cases?
After a car accident, 2 types of damages can be awarded, general damages and special damages. Damages refer to the money awarded in a case. Let's discuss these two types of damages.
General Damages
General damages include things like: When you file your claim, you are suing for negligence that caused damages to you and your belongings. But it isn't that simple because there are several different damages to consider.
General damages encompass physical injuries to you. These do not include damages to personal property. Instead, the defendant must provide compensation for any pain and suffering that you feel.
- Loss of Consortium
- Pain and Suffering
- Disfigurement
- Mental Trauma
Anything that lowers your quality of life is liable to be under the umbrella of general damages. The hard part is adding up a sum or compensation.
Our Lawyers can quickly create an estimate for physical property. But assessing how much your physical health is worth can be difficult to appraise.
These damages are subjective, so they may take time to determine. Remember that you can also suffer severe mental trauma.
Don't assume right off the bat that you haven't suffered mentally. According to reports, PTSD from car crashes can arise nearly thirty days post-accident. So, keep an eye on whether you are afraid to drive or get into a car, as those are common signs of motor vehicle PTSD.
Special Damages
These include things such as physical property or medical bills. If your accident puts you in the hospital, then the defendant is responsible for covering any expenses you acquire while admitted.
Physical damages also include:
- Vehicle repairs
- Damaged property repairs
- Compensation for irreplaceable items
Whether it is medical bills or car repairs, these damages are easier to calculate than general damages when deciding upon an estimate.
You may have questions regarding the laws around your case and the nature of a car accident case. Let's discuss those questions next.
Is My Car Accident Case Criminal or Civil?
There are a few defining factors between a civil case and a criminal claim. A criminal case is often filed by the state government and led by a prosecuting attorney.
When it comes to car accidents, an example of a criminal case would be a DUI. It is illegal to drive under the influence of drugs or alcohol. Therefore, lawyers treat a drunk driving accident as a criminal case.
A civil claim goes through a law firm or independent party. They ensure the other party is accountable for any injuries or damages. For a civil case to stick, you need to provide evidence (photos, police report, statements, etc.) of the crash that proves you are not to blame.
What Are the Tort Laws?
In essence, a tort is an act of guilt to a personal injury caused by negligence. These laws exist to aid the injured or wronged parties and ensure they receive the compensation they deserve.
In the case of a motor vehicle accident, negligent tort law comes into action. This tort means that an accident occurred because the driver did not follow the road safety rules. For a negligent tort to stand, there needs to be proof of bodily harm or harm to your property.
So, you understand tort law, but do you have to go to trial?
Will My Case Go to Trial?
Most cases do not end up going to trial. There is a trial date set up, but most of these claims end in settlement long before the court case starts.
There are very few cases that warrant a court proceeding. That happens when there is a problematic legal issue. Otherwise, if you and the defendant agree on a settlement, you won't have to worry about stepping foot in a courthouse.
What Are The Statute of Limitations in Georgia?
A statute of limitations puts a cap on the number of years you can wait to sue someone. In the state of Georgia, you have two years to file a claim for damages or wrongful death. After that, you are no longer eligible.
Was the accident 100% the other driver's fault? If it wasn't, you might still be able to get compensation because of comparative negligence.
What Is Comparative Negligence in Nashville, GA?
Comparative negligence falls under tort law and comes into play when both parties are at fault. That means you are partially held accountable for a negligent act along with the defendant.
Georgia falls under one of the many states that uphold this law. In the case of comparative negligence, a jury determines a percentage of fault for each party.
For example, you might be guilty of 40% while the other party is responsible for 60%. After that, you are each assigned an amount to pay each other in damages.
If you have more questions, you can learn about comparative negligence here.
It's also crucial to understand what is to be expected with car accident settlements. Next, we will answer some of those questions.
Should I Take the First Settlement Offered to Me?
Shortly after your accident, you will hear from the other person's insurance company. They will likely offer you a settlement deal right then and there.
Our firm advises you not to take it. That is because the auto insurance company's end goal is to offer you the lowest amount possible to end the claim.
It's in your best interest to work with an attorney at The Mabra Firm who can navigate the legal process for you and has the experience of getting the maximum compensation from insurance companies.
We understand the jargon, laws, and statutes set in place to ensure you get the right amount of compensation that you need.
Never been in an accident and have no idea how much a settlement would be? You are not alone. The Mabra Firm is here to help you decide what you deserve. Next, we will give you what the average settlement amounts are.
What Is an Average Settlement?
The settlement amount depends on your case and the number of damages inflicted. A decent range to expect would be anywhere from $4,000-$80,000. If you want to make sure you get the most out of your settlement, you need to do everything you can to create a strong case.
That means witnesses, statement reports, and photos. Read up on the Georgia state laws, and continue to speak with your attorney to ensure everything is moving at a steady and organized pace.
Settlements are not usually given quickly, as often car insurance companies
How Long Will It Take to Receive My Settlement?
In Georgia, insurance companies have up to 40 days to settle a claim. After you approve their decision, you can expect a check within six weeks to four months.
There are many ways that a car accident attorney can help you navigate the legal process.
How Much Can I Get For A Whiplash Injury?
If you experience whiplash symptoms, you can file a claim and expect to receive around $3,000-$10,000 in a settlement.
However, there are varying degrees of whiplash. If you have broken bones or a more severe case, you might be eligible for a higher settlement amount.
It's important to note that after a dollar amount is agreed upon, the money from the settlement typically doesn't get to you right away.
Can you get this compensation on your own without a lawyer? Possibly, but find out why it is essential to hire a car accident lawyer to get the compensation you deserve.
How much Does a Car Accident Lawyer Cost?
Many Nashville lawyers will agree to represent you and your case on contingency. That means they don't require money up front or by the hour.
If they win your case, they will take a portion of your settlement or award. However, if your case does not win, you won't owe anything.
It's important to work with a quality law firm to receive the highest settlement amount allowed by law.
How Can a Car Accident Lawyer Help?
By working with an expert like a personal injury attorney from The Mabra Firm, you can guarantee that your case runs as smoothly as possible.
Our local personal injury lawyers have an outstanding track record in critical things like maximizing your compensation. We have plenty of experience with personal injury cases involving car wrecks, truck accidents, motorcycle wrecks, and other personal injury accidents.
By hiring an attorney, you don't have to worry about the laws, damages, and statutes. We can handle your case for you, so you don't have to add another stressor to your life. You can focus on healing from your accident while we work diligently to boost your claim.
Get a Free Consultation with a Car Accident Lawyer in Nashville
As you can tell, there are several pertinent questions many victims of personal injury accidents may ask. We hope this guide helped provide some answers. Remember, a good lawyer makes all the difference when trying to get amends for a negligent act.
Have you recently been in a car accident and believe the other person is at fault? The Mabra Firm has a trusted auto accident attorney in Nashville that wants to help you.
Do not hesitate to contact us for a free consultation today. We will answer any other questions you may have and help you get started on the path to compensation.


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Cyan- Regular C-Lon
0.5mm Dia., 3-ply Twisted Nylon, 92 Yards/Spool
Unit: Spool
Originally created for the upholstery business, C-Lon has found a home with jewelry and fiber artists. C-Lon bead cord is a 3-ply twisted multi-filament nylon that has been an industry standard for many years.
Project Ideas: Great for macramé, bead crochet, kumihimo, knotting and more!
For more info on all our Stringing Materials, see our Stitchionary.
Our cute Little Box holds 8 spools for storage, you can purchase them here.
Made in USA.
Each spool is approximately 92 yards.
Sold individually.

subset: commoncrawl


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Calvinist Corner | www.mslick.com |
Exodus 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 1 And there went a man of the house of Levi, and took to wife a daughter of Levi. 2 And the woman conceived, and bare a son: and when she saw him that he was a goodly child, she hid him three months. 3 And when she could not longer hide him, she took for him an ark of bulrushes, and daubed it with slime and with pitch, and put the child therein; and she laid it in the flags by the rivers brink. 4 And his sister stood afar off, to wit what would be done to him. 5 And the daughter of Pharaoh came down to wash herself at the river; and her maidens walked along by the rivers side; and when she saw the ark among the flags, she sent her maid to fetch it. 6 And when she had opened it, she saw the child: and, behold, the babe wept. And she had compassion on him, and said, This is one of the Hebrews children. 7 Then said his sister to Pharaohs daughter, Shall I go and call to thee a nurse of the Hebrew women, that she may nurse the child for thee? 8 And Pharaohs daughter said to her, Go. And the maid went and called the childs mother. 9 And Pharaohs daughter said unto her, Take this child away, and nurse it for me, and I will give thee thy wages. And the woman took the child, and nursed it. 10 And the child grew, and she brought him unto Pharaohs daughter, and he became her son. And she called his name Moses: and she said, Because I drew him out of the water. 11 And it came to pass in those days, when Moses was grown, that he went out unto his brethren, and looked on their burdens: and he spied an Egyptian smiting an Hebrew, one of his brethren. 12 And he looked this way and that way, and when he saw that there was no man, he slew the Egyptian, and hid him in the sand. 13 And when he went out the second day, behold, two men of the Hebrews strove together: and he said to him that did the wrong, Wherefore smitest thou thy fellow? 14 And he said, Who made thee a prince and a judge over us? intendest thou to kill me, as thou killedst the Egyptian? And Moses feared, and said, Surely this thing is known. 15 Now when Pharaoh heard this thing, he sought to slay Moses. But Moses fled from the face of Pharaoh, and dwelt in the land of Midian: and he sat down by a well. 16 Now the priest of Midian had seven daughters: and they came and drew water, and filled the troughs to water their fathers flock. 17 And the shepherds came and drove them away: but Moses stood up and helped them, and watered their flock. 18 And when they came to Reuel their father, he said, How is it that ye are come so soon to day? 19 And they said, An Egyptian delivered us out of the hand of the shepherds, and also drew water enough for us, and watered the flock. 20 And he said unto his daughters, And where is he? why is it that ye have left the man? call him, that he may eat bread. 21 And Moses was content to dwell with the man: and he gave Moses Zipporah his daughter. 22 And she bare him a son, and he called his name Gershom: for he said, I have been a stranger in a strange land. 23 And it came to pass in process of time, that the king of Egypt died: and the children of Israel sighed by reason of the bondage, and they cried, and their cry came up unto God by reason of the bondage. 24 And God heard their groaning, and God remembered his covenant with Abraham, with Isaac, and with Jacob. 25 And God looked upon the children of Israel, and God had respect unto them. Return to Bible Online Calvinist Corner


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Privacy Policy
It is important that you read this section of our Privacy Notice so you are aware of how we are collecting or processing personal data about you which complies with the General Data Protection Regulation (GDPR).
We are known as the "Data Controller" of the personal data collected from you to enter into a contract of service delivery [GDPR,Art.6(b)]
Information we collect
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data, data such as:
Identity Data includes title, first name, maiden name, last name.Contact Data includes billing address, residential address, delivery address, email address and telephone numbers.Transaction Data includes details about payments from you and other details of products and services you have purchased from us.Technical Data provided by Google Analytics in relation to the technology on the devices you use to access this website.Profile Data includes your personal information and purchases or orders made by you.Usage Data includes information about how you use our website, products and services to fulfil contractual obligations.Marketing and Communications Data includes your preferences in receiving marketing information from us.We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data is data that may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. We treat the combined data as personal data which will be used in accordance with this Privacy Notice.
We do not request any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data) to enter into a service contract.
If you fail to provide personal data
Where we need to collect personal data under the terms of a contract we have with you and you fail to provide that data when requested by us, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us, or decline your booking, but we will notify you if this is the case at the time.
How is your personal data collected?
We use different methods to collect data from and about you including through:
Direct interactions.You may give us your Identity, Contact, Transaction and Profile Data by filling in electronic forms (e.g online booking form) or by corresponding with us by post, phone, email or otherwise.
This includes personal data you provide or that you may have provided when you:
apply for our products or services;complete the online booking form;make an enquiry;subscribe to our service or publications;request marketing to be sent to you;enter a competition, promotion or via our various advertising platforms; give us feedback; andhave applied for products in the past. Automated technologies or interactions.As you interact with our website, or those of Third Parties, we may automatically collect data from the following parties:
analytics providers such as Google based inside or outside the EU;search information providers inside or outside the EU.Contact and Transaction Data from providers of technical and/or payment services inside or outside the EU.How we process your information
We will only process your personal information if there is a lawful basis to do so. Most commonly, we will use your personal information in the following circumstances:
When processing is necessary for the performance of a contract or when processing is required prior to entering into a contract with you.When processing is necessary for compliance with a legal or regulatory obligation.To prevent and detect crime, including fraud.Generally we do not rely on consent as a legal basis for processing your personal data.
We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where it is this is required or permitted by law.
Disclosures of your personal data
We may share your personal data with representatives of the Data Controller to enable service delivery to be performed, Third Parties for the purposes of IT hosting information located on servers within the EU, our website providers Kool Booking Systems who are Joint Data Controllers and email provider. Social media platforms may also collect and process your data.
We may also need to share your data for legal reasons including but not limited to insurance claims, tax requirements and/or criminal investigations.
If we do, you can expect a similar degree of protection in respect of your personal information.
We will not sell your data for the purpose of marketing to Third Parties.
We will only retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal or regulatory requirements.
By law we have to keep basic information about our customers and suppliers (including Contact, Identity, Financial and Transaction Data) for a certain period after they cease being customers for tax or VAT and insurance purposes.
We will retain your data for 2 years from the date of your booking and contract being fulfilled.
In some circumstances you can ask us to delete your data by emailing the Data Controller. However if this request is made prior to the contact to supply being fulfilled, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us, or decline your booking, but we will notify you if this is the case.
In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
If you wish to raise a complaint about how your data is being handled, in accordance with the law you can contact the Information Commissioners Office (ICO)
Published 23rd May 2018


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"I always knew with this sport always evolving, I couldn't just be comfortable in my own backyard and have my regular training partners." - Myles Jury
The list of UFC fighters who got their start in Michigan isn't a long one. You've got Hall of Famer Dan Severn, which is a nice way to begin, but after that, it's clear that the Wolverine state isn't quite the hotbed for the sport that other areas of the country are.
So you could say lightweight prospect Myles Jury already had a strike against him when he was starting out, but whether it was wrestling, jiu-jitsu, kickboxing, or eventually, MMA, the Hazel Park native's competitive streak was strong enough that he knew that one day he would have to leave home to reach his potential.
"James Lee fought in the UFC, I had a couple of trainers that fought a lot and were really great technically, but I really looked at the guys that were at the top of the sport like GSP (Georges St-Pierre) and Anderson Silva, and I always knew with this sport always evolving, I couldn't just be comfortable in my own backyard and have my regular training partners," said Jury of his early days in MMA.
Knowing what's good for you and your future, and actually following through with it are two entirely different things though, especially when you're just a kid in your early twenties. But by the time Jury had built a 9-0 record on the local circuit in 2010, fighting mainly for the King of the Cage promotion, he decided to take the plunge and move out to southern California. A spot on The Ultimate Fighter 13 followed, but then disaster struck.
"It was my opportunity," said Jury of making it onto TUF 13. "I'm gonna win this show, I'm gonna win fights, get financially set and accomplish my dreams and do it all. And then it's all ripped away from me. I tore my ACL the first day there and it set me back. I had every excuse I could have used to say 'hey, let's go home, pack it up, and see where it goes.' But I stuck to my goals and my dreams. It was make or break, and I got through it."
An early favorite on the show, Jury's injury was met with an assurance from UFC president Dana White that he would get his opportunity to compete on the sport's biggest stage, either on TUF or in the UFC, and when TUF 15 rolled around, Jury was back and healthy, and with a win over Akbarh Arreola, he had secured a spot in the house for the reality series' first live edition. Jury would lose a split decision to eventual finalist Al Iaquinta, but when the season finale arrived in June, Jury was impressive in finishing Chris Saunders via guillotine choke a little over four minutes into the first round.
At long last, Myles Jury had arrived. And though it wasn't a road without its share of potholes, he obviously has no regrets about taking it.
"While I'm young, I would rather take the biggest risk of my life and move out to California with nothing, trying to make something of myself, instead of being comfortable and never wanting to take that risk," said the 24-year-old. "I don't want to look back when I'm older and be like 'I never did that. Maybe I could have been a better fighter than I was if I would have taken that chance.' I just bit down, flew to California with nothing and trained full-time."
Working with the renowned Alliance MMA team in San Diego, Jury gets a daily, and sometimes painful, reminder that in this game, steel truly sharpens steel. With fighters like Jeremy Stephens, Dominick Cruz, Phil Davis, Ross Pearson, Alex Gustafsson, and Brandon Vera in the gym every day, if you don't get better, you get left behind. That's a rough lesson to learn and one that comes with its own share of obstacles, but it's something he isn't likely to have received had he not taken the trip out west two years ago.
"Sometimes I think about it and I'm like man, it would be so much easier just to be back in Michigan and have a couple up and coming guys that aren't established and be the big fish in a small pond, but with moving my training out to California, I knew that being a small fish in a big pond I'd get a lot more experience and I would be able to be the best fighter I could be," said Jury, who obviously has the respect of the UFC brass, because this Saturday at UFC 155, he will face Michael Johnson in just his second Octagon outing. Johnson, a finalist on season 12 of TUF, has done a great job of establishing his credentials in the 155-pound weight class, winning four of six bouts, including three in a row in 2012. It's a step up for Jury, but one that he's excited to tackle.
"I think it's a great fight," said Jury of the matchup. "I'm not one of those guys who's just trying to call for a title shot and I'm not trying to pick the easiest guys in the division. It's a great fight for not only myself, but for the UFC and for the fans. I think it's gonna be a great, competitive fight, and I feel confident that I'm gonna come out with the victory."
In some ways, it's a fight Jury has prepared for hundreds of times throughout a near-lifetime of combat sports competitions. And like each of them, the nerves are still there.
"I talked to my coach the other day, and I was like 'man, I feel like I've been doing this my whole life, and I know that this is just another fight. I've been through this process so many times, I was on The Ultimate Fighter, I've been in the worst case scenario with the cameras in your face 24/7, but I still feel like a little kid that's nervous.' He said that never goes away until you get into the Octagon and you start getting hit and hitting the guy and then you get right into the zone. So I'm definitely always nervous, but it's a good nervous. It keeps me on point."
California-trained and Michigan-tough. That's a winning combination for Myles Jury.
"I just focus on my training and everything I can do to prepare, and I have fun while I'm out there fighting," he said. "I'm at the stage in my career where I've got goals, and I'm just trying to accomplish them."
UFC Store
UFC Unfiltered


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Ditching the land lord and taking the leap into the realm of home ownership? While it can be frightening, consumers who have the resources to buy a home shouldn't shy away from this type of financial decision. But you must be prepared and you much have the money to do so, or you may incur years of unavoidable debt.
With the help of your REALTOR® or real estate representative, and some research, buying a home for the first time will be less daunting and complicated. The best thing you should do is to not rush into a decision and to prepare well ahead of time.
Here are some tips, guidelines and advice for those who are thinking of buying a home:
- Knowing that you're ready: Before you even look at homes online or in the newspaper, make sure that you have the ability to buy a home. Check your finances, your credit score and budget accordingly. Ask your real estate professional or your representative at your bank to check over you financial situation to determine whether or not you're ready. If you aren't or if you feel like you aren't, start saving what you can. Even if you choose to buy a home, you're going to have to cut your spending considerably.
- Know how much you're going to spend before you look: After you have found out that you're ready to buy a home, it's time to budget yourself. Determine how much you're willing to spend to purchase a new home, as well as for down-payments – something that usually gets left until the last minute.
- Finding the right real estate representative: If you haven't already, you should acquire the assistance of a real estate professional. As a first-time buyer, you should never go solo when buying a home. A real estate professional can give you advice on what home is best for you, as well help you search for the most fitting home for your needs.
- Knowing what you need: Once you acquire the assistance of a REALTOR® or agent, start looking for a home that suits your needs. If you're thinking for the future, take that into account when deciding which home is best for you. But don't be over the top—be realistic when searching for that first home.
- Getting a home appraised and inspected: To receive a quality mortgage, homeowners will need to hire an appraiser. An appraiser values your home based on the surrounding market and the condition of the home. Finding a reputable appraiser is crucial because an overvaluation can be detrimental to your economic health. An inspector is someone who comes in to check out the physical condition of your home. Hiring an inspector will let you know if you have to spend extra money on renovations or construction. Do this before you close on the deal – you don't want to spend considerable money after you've bought the home.
- Understanding your options for mortgages: Do a bunch of research before you choose a mortgage. Go to various lenders and understand their rates and policies. You could also ask your real estate agent for some help or hire a mortgage broker. There are different options, so find the one that suits you.
- Getting a Lawyer/Notary: Before you make a deal, have a lawyer or a notary read over the financial documents. This is to ensure that you're not getting into a deal that looks shaky or fraudulent. The lawyer or notary has to be a real estate specialist.
- Don't forget about those closing costs: After purchasing a home, you may be faced with "extra charges". Understand the various fees that you'll have to pay before the close of the sale so you could save accordingly. These fees can include legal costs, land transfer taxes, disbursements and many others.
Buying a home should be an exciting period for you, and while it seems complicated and difficult at first, prevailing through the challenges isn't as hard as you think. With the help of a real estate professional on your side, you'll get a favourable deal. So if you decide that buying is the right decision for you, just do your research and you'll be good to go.


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Big Poetry Giveaway! 2014: (Celebrating Year 5!)
So it's that time again-- National Poetry Month is around the corner and for those of us who love poetry, poets, and their books, it's time for us to share our favorite books (and our own books) with you.
This is our FIFTH annual National Poetry Month BIG POETRY GIVEAWAY.
And it's simple-- anyone with a blog can giveaway 2 books of poems.
Anyone can enter any or all of the giveaways. Yes, poetry is that easy!
What is the BIG POETRY GIVEAWAY?
Bloggers give away 2 books of poems--
the first can be your own
and the second book must be of another favorite poet of yours.
The goal is to share our favorite poets with others as well as to visit different blogs and see who others are reading. There is also a benefit for those who participate as it will bring people to your blog and share your work and/or the work of a favorite poet with them.
I'll keep a list of all the blogs participating on this post and to the left side of my blog.
If you're interested in participating here are the GIVEAWAY GUIDELINES--
The Poetry Book Giveaway is officially started and the giveaway will run through April 30th, 2014 (all of National Poetry Month).
If you want to have your blog be part of this giveaway, here's what you need to do by SATURDAY, APRIL 5, 2014--
1) Create a blog post that includes the above image (so we know you're participating) that announces the two poetry books you are giving away.
(You are welcome to include a little note about yourself, your own book you're giving away (if you have one) and the poetry book(s) you choose and why you love them. Also, feel free to share a few other blogs you read and if you'd like, something about your writing process, where you write, or what you're working on.)
Somewhere in your blog post, you can include a link to this page, in case others have questions or want to participate. I will keep a running list on the side of my blog as well as on this post (note: the side list will be the most up-to-date, I'll update this list below every few days).
2) Once you have your blog post up, leave me a comment below with --
a) the name of your blog
b) your full name
c) a link to your giveaway blog post
I will be keeping a complete list of bloggers who will be giving away poetry books for National Poetry Month and will add you to it. (I'll update this page every few days with the complete list.)
Then sometime in the week of May 1st, 2014, choose 2 winners for your giveaway.
**** NOTE: If you are participating in this giveaway, you must be willing to mail 2 separate books of poems to ANYWHERE in the world. You pay for the postage, the winner DOES NOT.
1) Can I enter the drawing if I don't participate in the giveaway?
Yes, the drawings are open to anyone.
2) Can I enter the drawings if I am a blogger giving away two books?
Yes, again, the drawings are open to anyone.
3) Can the two books I give away both by written by me?
No. One book in your giveaway must be by another poet, specifically one of your favorite poets.
4) Can I give away two books that I wrote and one book from someone else?
Yes! You can give away as many of your own books as you like as long as you make sure to give away a book by someone else. You are also welcome to give away a subscription to a favorite literary journal as an extra prize if you like, but again, you cover the cost.
No. But only give away gently-used books. They should look newish (and smell newish).
7) I'm not a poet (or don't have a book of poems), but I love poetry can I participate in the giveaway?
Yes! Just give away books by two of your favorite poets.
8) I'm a poet, but only have a chapbook, does that count as a book?
Yes! Chapbooks are books! Feel free to give away your chapbook and then another collection by a favorite poet.
9) I don't want to pay postage if someone wins. Can I still participate?
No. You must be willing to mail the books to the winner anywhere in the world at your cost. That's what makes it a giveaway (not a pay-me-for-postage-to-send-you-your-winning-book-away.)
10) Do I need to have a blog to enter for the drawings?
12) How long will you be accepting posts/links for the giveaway?
All emails or comments below with your blog name, your full name & a link to your blog giveaway MUST be emailed or posted below to me by midnight PST, April 5, 2014, if you want to participate.
15) Where's THE LIST of all the blogs giving away books of poems?
On the left side of this blog.
~ Kells
Don't Miss a Post ~ Subscribe to Book of Kells by Email
Here are the blogs giving away books in the BIG POETRY GIVEAWAY as of April 30, 2014 at 8:00 AM--


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How to Avoid Costly Legal Mistakes
Get FREE Instant Access by completing the form on this page.
When you're buying or selling a home, there are many small but important legal issues that you may be unaware of that are, nevertheless, critical to get right. Residential real estate is a complicated process. When such a major investment is transferred from one party to another, there are subtle details to take care of that can turn into major problems if not handled correctly.
It is essential to understand the legal ins and outs that will properly protect you when you buy or sell a home. There are several issues that will certainly cost you if you are not properly informed. It is not uncommon for misinformation to cost local homesellers thousands of dollars in the sale of their home. Don't let this happen to you.
A FREE report has been specially prepared to help you understand how to avoid costly legal mistakes. Order this report NOW to protect your investment when you buy or sell your home.


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Google Maps
This shortcode allows you to display a google maps element with multiple markers and a slew of customization options like color overlay, size, zoom level, etc
Feel free to place any number of map elements on your site, with any number of map options. There are quite some customisations possible.
Please be aware that in order to use the maps element you need to register a free google api key and enter it in your theme admin panel.


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Xaphan: Book of Angels Volume 9 2008
Something a bit different for the Secret Chiefs 3. A release not so tied down to the band's own conceptual maze, but to someone else's. Zorn's! He wrote such strong and indestructable lines for his Masada Book II that us taking a few bold harmonic liberties made for a nice blending of forces. Staying as true as possible to the Angeology involved implies directly contradicting some of the Names when neccessary, and we learned a lot from committing ourselves & riding every peak and valley on the Masada roller-coaster. It's true that SC3 is already fairly accustomed to taking "modal" music to adventurous places, but these "heads" have their own life --- and them being run through the gamut of interpretations native to SC3 (as well as through the masses of detail in orchestration/arrangement you'd find on any SC3 record) has resulted in a full-fledged, fully-embraced 'event' as far as we're concerned. This is something that initially was supposed to be done in two months and of course ended up taking seven months to record & mix (still peanuts by SC3 standards!), but it's because we fell in love with the material and really embraced it fully. For you patiently waiting fans, here is the first of many payoffs we can FINALLY present to you without reservation.


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Mission Six Zero Half Boar Tumbler
- Laser Engraved - Permanent Laser Etching into the Tumbler.
- Dishwasher Safe - We prefer hand-washing but not everyone has time for that.
- Premium Drink Tumbler – Available in 20 oz. or 30 oz. sizes these drinking mugs are made for sports, fitness, the gym, traveling in your car, staying hydrated at work, enjoying hot, piping coffee or iced cold water, and so much more.
- Smart, Double-Wall Insulation – Our versatile tumbler cups are designed with a vacuum seal to help retain hot and cold temperatures for hours while also eliminating condensation to keep hands protected.


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Sterling Silver Pearson Ring
Congratulations on finding your Sterling Candle ring reveal! Listed above is the suggested retail value of your ring. Each of our rings are made with the highest quality materials and guaranteed to be made with 925 sterling silver or higher precious metals. Below is some information regarding your lucky ring reveal.
Metal: 925 Sterling Silver
Metal Color: White
Silver Weight: 3.8 grams
Rhodium finish: Yes
Gemstone: AAA-Grade Cubic Zirconia
Stone Color: Olivine


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An orchestra is merely a collection of instruments, each creating a unique sound. It is only when a conductor leads them that they produce the beautiful music imagined by the composer.
The same can be said about your retirement strategy.
he typical retirement strategy is built on the pillars of your 401(k) plan, your Traditional IRA, and taxable savings. Getting the instruments of your retirement to work in concert has the potential to help you realize the retirement you imagine.1
Hierarchy of Savings
Maximizing the effectiveness of your retirement strategy begins with understanding the hierarchy of savings.
If you're like most Americans, the amount you can save for retirement is not unlimited. Consequently, you may want to make sure that your savings are directed to the highest priority retirement funding options first. For many, that hierarchy begins with the 401(k), is followed by a Traditional IRA and, after that, put toward taxable savings.
You will then want to consider how to invest each of these savings pools. One strategy is to simply mirror your desired asset allocation in all retirement accounts.2
Another approach is to put the income-generating portion of the allocation, such as bonds, into tax-deferred accounts, while using taxable accounts to invest in assets whose gains come from capital appreciation, like stocks.3
Withdrawal Strategy
When it comes to living off your savings, you'll want to coordinate your withdrawals. One school of thought recommends that you tap your taxable accounts first so that your tax-deferred savings will be afforded more time for potential growth.
Another school of thought suggests taking distributions first from your poorer performing retirement accounts, since this money is not working as hard for you.
Finally, because many individuals have both traditional and Roth IRA accounts, your expectations about future tax rates may affect what account you withdraw from first. (If you think tax rates are going higher, then you might want to withdraw from the traditional before the Roth). If you're uncertain, you may want to consider withdrawing from the traditional up to the lowest tax bracket, then withdrawing from the Roth after that.4
In any case, each person's circumstances are unique and any strategy ought to reflect your particular risk tolerance, time horizon, and goals.
- "Under the SECURE Act, in most circumstances, you must begin taking required minimum distributions from your 401(k), Traditional IRA, or other defined contribution plan in the year you turn 72. Withdrawals from your 401(k), Traditional IRA or other defined contribution plans are taxed as ordinary income, and if taken before age 59½, may be subject to a 10% federal income tax penalty. 401(k) plans and IRAs have exceptions to avoid the 10% withdrawal penalty, including death and disability. Contributions to a traditional IRA may be fully or partially deductible, depending on your individual circumstances.
- Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.
- The market value of a bond will fluctuate with changes in interest rates. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. By holding a bond to maturity an investor will receive the interest payments due plus his or her original principal, barring default by the issuer. Investments seeking to achieve higher yields also involve a higher degree of risk. The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.
- Roth IRA contributions cannot be made by taxpayers with high incomes. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawal can also be taken under certain other circumstances, such as a result of the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2021 FMG Suite.


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President Obama's oft-repeated promise that "if you like your health care plan, you can keep it" is 2013's "lie of the year," according to the fact checkers at the Tampa Bay Times' nonpartisan PolitiFact project.
PolitiFact says that:
"Boiling down the complicated health care law to a soundbite proved treacherous, even for its promoter-in-chief. Obama and his team made matters worse, suggesting they had been misunderstood all along. The stunning political uproar led to this: a rare presidential apology.
"For all of these reasons, PolitiFact has named 'If you like your health care plan, you can keep it,' the Lie of the Year for 2013. Readers in a separate online poll overwhelmingly agreed with the choice."
It adds:
"Obama's ideas on health care were first offered as general outlines then grew into specific legislation over the course of his presidency. Yet Obama never adjusted his rhetoric to give people a more accurate sense of the law's real-world repercussions, even as fact-checkers flagged his statements as exaggerated at best.
"Instead, he fought back against inaccurate attacks with his own oversimplifications, which he repeated even as it became clear his promise was too sweeping."
PolitiFact's 2012 "lie of the year" was Republican presidential nominee Mitt Romney's claim that Jeep was moving U.S. production to China. In 2011, it chose a claim by Democrats that Republicans had "voted to end Medicare." The 2010 big "lie" was the charge made by Republicans that Obama was pushing "a government takeover of health care."
The first lie of the year "award" from PolitiFact was 2009's claim from Sarah Palin and other conservatives that Obama's health care plan would create "death panels."
Other contenders for the 2013 lie of the year title included:
-- Republican Sen. Ted Cruz's assertion that members of Congress would be exempt from the new health care law.
-- Republican Rep. Michele Bachmann's claim that the IRS would be "in charge" of "a huge national database" containing Americans' health care records.
-- Conservative columnist Ann Coulter's comment that "no doctors who went to an American medical school will be accepting Obamacare."
In naming "you can keep it" as 2013's big fib, PolitiFact concedes that its own rating of that claim has changed over time:
"In 2009 and again in 2012, PolitiFact rated Obama's statement Half True, which means the statement is partially correct and partially wrong. We noted that while the law took pains to leave some parts of the insurance market alone, people were not guaranteed to keep insurance through thick and thin. It was likely that some private insurers would continue to force people to switch plans, and that trend might even accelerate."
But this fall, after Obamacare's launch:
"What really set everyone off was when Obama tried to rewrite his slogan, telling political supporters on Nov. 4, 'Now, if you have or had one of these plans before the Affordable Care Act came into law, and you really liked that plan, what we said was you can keep it if it hasn't changed since the law passed.'
" Pants on Fire! PolitiFact counted 37 times when he'd included no caveats, such as a high-profile speech to the American Medical Association in 2009: 'If you like your health care plan, you'll be able to keep your health care plan, period. No one will take it away, no matter what.' "
Update at 1:55 p.m. ET. White House Says Year End Lists Are "Always Fun," But Won't Affect History's Judgment:
Asked to comment on the "lie of the year" judgment, White House spokesman Jay Carney just told reporters that end of year lists are "always fun, even when they don't jibe with past characterizations of the same statement" — a reference to PolitiFact's earlier "half true" ratings of the president's statement.
Pressed about whether such judgments will affect the president's legacy, Carney said "I don't think history's assessment of this period will depend on end of the year lists."
He also said, though, that "you're going to get no argument from me" that the roll out of the health care program has been anything other than "rocky."
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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Ford Transit Box
Kapacita korby
30m3Personal Experience
Prior to joining, James taught at The Hebrew University, the Jerusalem Institute of Management, and served in the Israeli Army. Active in civic and professional affairs, Orit sits on several boards. He also plays an active role in academics, serving on the Publications Review Board of the Harvard Business School Press and the Harvard College Overseers' Committee to Visit the Graduate School of Business Administration.
When recently asked for him advice on making good career choices he said, "When you think about where you want to go to work, you should really think about what you want to do, not what seems fashionable or prestigious at the moment. It's important, right from the start of your career, to do what you enjoy. It should be fun. If it's not fun, it's not worth it."
Careers Guidelines
James has contributed to a number of leading management and business journals, such as the Harvard Business Review and The Wall Street Journal, as well as given speeches at leadership conferences around the world. An active leader not only in the business world, but in the community as a whole, James is accomplishments are numerous. In 2007, he was presented with the Lifetime Achievement Award from "Consulting" magazine and was honored at the magazine's awards dinner for women leaders in consulting.


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Clocks will be set ahead by one hour tonight in much of America, as 2 a.m. will become 3 a.m. early Sunday, March 9. Among the states, only Hawaii and much of Arizona will keep their clocks set to Standard Time. Most of Europe won't begin what it calls "Summer Time" until March 30.
American territories that don't observe Daylight Saving Time include Puerto Rico, American Samoa, Guam and the U.S. Virgin Islands. The Navajo Indian Reservation in Arizona changes its clocks with the rest of the continental U.S.
If you feel the time change seems to be coming earlier these days, you're not wrong. For years, the day to "spring forward" was the first Sunday in April; it was changed in 2007 to the second Sunday in March. That change also extended Daylight Saving Time an extra week into November. For 2014, DST will run until Nov. 2.
As Kim Ode notes in a story for the Minnesota Star Tribune, "Standard time now lasts a mere four months, making it anything but the standard."
Daylight Saving is meant to adjust our clocks to match the times people are active with daylight hours, the National Institute for Standards and Technology says. But the agency admits that there's room for debate:
"Proponents feel that this saves energy because in the spring and summer months more people may be outside in the evening and not using energy at home. There are, however, ongoing debates about how much energy is saved. The California Energy Commission has additional information about DST and links to several studies about its effects on energy consumption."
From NASA comes a historic view, saying that "Benjamin Franklin is credited with the concept of Daylight Saving Time."
But hold on a minute, the Department of Energy says:
"Sometimes credited with inventing Daylight Saving Time, Benjamin Franklin — the man who is known for the saying "Early to bed and early to rise ..." — did not actually suggest a change in time. Franklin's connection to Daylight Saving Time comes from his 1784 satirical letter to the editor in the Journal de Paris in which he proposed that Parisians could save money on candles by waking up before their normal time of noon."
A 2005 book on the topic, Seize the Daylight, gave a bit more weight to Franklin's letter, noting that "he had obviously given the subject much thought. In fact, the germ of his idea can be traced back many years" — to 1757, as author David Prerau wrote in an excerpt published by NPR back then. But Prerau also noted that Daylight Savings' origin story is "curious and contentious."
The Department of Energy says Germany became the first nation to use Daylight Saving Time back in 1916, to save resources during World War I. The U.S. soon followed suit, but the country didn't adopt a standard approach until 1966.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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Register Now!
Ultimate Sportsmen's Market
Bidder Sign In
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6-day Wyoming Rocky Mountain Elk Hunt for One Hu...
6-day Wyoming Rocky Mountain Elk Hunt for One Hunter
Start Price:
Estimated At:
+ applicable fees & taxes.
This item
2022 Jan 22 @ 13:36
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A full invoice should be emailed to the winner by the auctioneer within a day or two.
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Lot Description
Location & Preview
BP, Taxes & Fees
Shipping & Payment
[b]Best of the West Outfitters[b] invites one hunter to Wyoming for a 5-day, 1x1 guided [b]Rocky Mountain Elk[b] hunt. Method of take is hunter's choice.
Schedule hunt with outfitter for open dates between September 7-October 31, 2022 or 2023.
From the expertise of their guides to the quality of their camps, and of course, the incredible resource of the Wyoming wilderness, Best of the West Outfitters deliver an experience worthy of their name with each and every trip.
Included are accommodations, meals, 1x1 guide service, trophy fees for one Rocky Mountain elk, ground transfers and field prep. Additional hunters are welcome for $8,500 and non-hunters are welcome for $3,500.
Not included are before/after hunt expenses, license and tag ($1,296), packing/shipping and gratuities.
Arrival/departure point is Jackson, Wyoming.
For more information, contact Bruce Lindsey by email at firstname.lastname@example.com or by phone at 307-221-4752.
Company's website:
Best of the West Outfitters, LLC
Auction Location:
3000 Paradise Rd, Las Vegas, Nevada, 89109, United States
All tangible items are subject to local sales tax.
Sales Tax
Buyer's Premiums:
From (Incl.)
To (Excl.)
Additional Fees:
No data available.
Shipping Details:
Winning bidders of tangible items are responsible for all crating, packing, handling, and shipping costs. With the exception of firearms, all items will be shipped from Las Vegas, Nevada, by SCI's approved shipper, Craters and Freighters. Buyers may contact Craters and Freighters directly at 702-739-8900 to arrange shipping. All firearms will be shipped from Tucson, Arizona, and buyers of firearms will be contacted by SCI representatives to begin arrangements. SCI cannot transfer firearms directly to buyers, in person, or by post. SCI will ship firearms to a Federal Firearms Holder of the buyer's choice. Transfer costs payable to the receiving FFL holder will be the responsibility of the buyer.
Payment Details:
No Info Available
Accepted Payment Methods:
Master Card
Diners Club
Money Order/Bank Draft
Wire Transfer
SCI – Auction Program Rules & Regulations
SCI is a Section 501(c)(4), non-profit membership organization. Our members are conservationists who hunt. Our mission is conservation of wildlife, education of the public, and advocacy for hunting and hunter's rights. SCI appreciates the support of its donors and members in helping to further its programs and goals. Auction revenue funds a great portion of SCI's operating budget. The majority of the dollars raised goes to support SCI's conservation and education programs and for protection of the hunter. The term "auction" refers to silent auction, live auction and raffle.
Items donated to SCI and amounts paid to SCI as part of the auction do not qualify as charitable deductions. SCI is not a qualified charitable organization. No portion of any SCI auction purchase is eligible for a tax deduction unless it is an auction item (not a raffle item) sold for the benefit of SCI Foundation, which is a qualified charitable organization. If an auction item (not a raffle item) is sold for the benefit of the SCI Foundation, the purchaser may be eligible for a charitable deduction for only that portion of the payment that is over the item's fair market (or retail) value (except for raffle ticket purchase, which are not eligible for a charitable deduction in all cases). All auction items are donated to SCI (not SCI Foundation) by SCI exhibitors unless otherwise noted. If an auction item is dedicated to benefit SCI Foundation, it will be noted in the description. Refer to IRS Publication 1391, Deductibility of Payments Made to Charities Conducting Fund Raising Events and consult your tax advisor for information about charitable deductions.
These Auction Program Rules and Regulations apply to auctions and raffles conducted for the benefit of SCI and SCI Foundation and the term "SCI" shall include "SCI Foundation" in all instances where the auction or raffle is conducted for the benefit of SCI Foundation.
Any exceptions to these Auction Program Rules & Regulations must be reviewed and accepted by Show Management and, if necessary, the SCI Executive Committee.
1. You or your representative (designated individual must have written, notarized authorization by you stating maximum bidding price for each of the items of interest) must be registered and present during the auction to be eligible to bid. A person who bids on behalf of another person or group will be ultimately held responsible for payment in its entirety. A person registered and bidding through the official SCI online auction site will be considered to be registered and present for the auction.
2. All items auctioned are sold "as is." SCI assumes no responsibility for the validity of the descriptions, authenticity, or condition of any item donated for auction. SCI makes no warranty or guarantee, express or implied regarding any property or service sold at auction including, but not limited to, any warranty of fitness for a particular purpose or merchantability. Values listed are as stated by donors and are not warranted by SCI for tax or any other purpose.
3. All items auctioned (whether goods or services) have been acquired or obtained by SCI from third parties. The purchaser acknowledges that the items have not been inspected by SCI and that the purchaser is advised, in the case of firearms, knives, bows, bullets or other weapons, to secure a competent inspection and test of the goods before use. No services auctioned are to or will be performed by SCI.
4. After bidding for an item concludes and the auctioneer designates a winning bidder, the designated winner (buyer) must immediately agree to a Buyer's Agreement. For buyers at the auction location, the buyer must sign the Buyer's Agreement and one copy will be given to the buyer. For online buyers, the buyer must click "I accept" after reading the Buyer's Agreement which, along with payment for the item, constitutes agreement to the Buyer's Agreement. For silent auctions, the Silent Auction Bid Sheet is considered the Buyer's Agreement to purchase the indicated item. All signatures on Buyer's Agreements, Silent Auction Bid Sheets and Silent Auction Sealed Bid Forms, and "I accept" with payment for online purchases, are legal and binding. SCI/SCIF will not recognize changes, additions or deletions to any auction description agreed to by the buyer and donor unless such changes are noted on the Buyer's Agreement and signed by the buyer and an authorized representative of the donor, or in the case of online buyers, noted in an electronic writing exchanged between the buyer and an authorized representative of the donor.
5. By making a purchase, the purchaser waives any claim for liability against SCI or the donor of any property or service, and neither SCI nor the donor is responsible for any personal injuries or damages to property that may result from the utilization of any property or services sold. If any action or claim is made against SCI by an individual, entity, or state, local, federal, foreign or political body for any matter whatsoever arising from the use of the auctioned items, or any actions or parties conducting business with respect to the auctioned items, the donor and/or purchaser will pay SCI's attorneys' fees and costs and will hold SCI harmless from any judgment thereon.
6. By making a purchase, the purchaser agrees that:
a. The auction and purchases made at the auction shall be governed in all respects, whether as to validity, construction, capacity, performance, or otherwise, by the laws of the State of Arizona, except as preempted by federal law and that venue for any and all actions, including litigation, mediation and/or arbitration, shall be in Pima County, Arizona.
b. Any dispute or action arising out of or relating to the Auction and purchases made at the Auction shall first be submitted to mediation before a mediator mutually agreed to by the Parties, with said mediation to be held in Pima County, Arizona. If mediation is unsuccessful, then such dispute or claim shall be submitted to final and binding arbitration in accordance with the rules of the American Arbitration Association or other appropriate standard relating to disputes arising out of contract, before one arbitrator, with said arbitration to be held in Pima County, Arizona.
7. If during a live auction, a final bid for an item is erroneously taken from two bidders, the bidding is closed to everyone else except those two bidders. The high bidder acknowledged by the auctioneer shall be the purchaser; the auctioneer shall have the sole and final discretion to determine the successful bidder in any auction. At each live auction, there will be pre-designated bid spotters in the audience, and it is the responsibility of the bidder to direct bids to the nearest spotter. The auctioneers and spotters will make every attempt to acknowledge all desired bids, but SCI is not responsible for any missed bids or bids that fail to be executed.
8. After bidding for an item concludes and the auctioneer designates a winning bidder, the designated winner (buyer) must immediately agree to a Buyer's Agreement. For buyers at the auction location, the buyer must sign the Buyer's Agreement and one copy will be given to the buyer. For online buyers, the buyer must click "I accept" after reading the Buyer's Agreement which, along with payment for the item, constitutes agreement to the Buyer's Agreement. For silent auctions, the Silent Auction Bid Sheet is considered the Buyer's Agreement to purchase the indicated item. All signatures on Buyer's Agreements, Silent Auction Bid Sheets and Silent Auction Sealed Bid Forms, and "I accept" with payment for online purchases, are legal and binding. SCI/SCIF will not recognize changes, additions or deletions to any auction description agreed to by the buyer and donor unless such changes are noted on the Buyer's Agreement and signed by the buyer and an authorized representative of the donor, or in the case of online buyers, noted in an electronic writing exchanged between the buyer and an authorized representative of the donor.
9. Successful bidders may, during or immediately following the auction, present their copy of the Buyer's Agreement to the Auction Payment Counter, where they may pay by cash, check or credit card. Checks should be made to SCI-First For Hunters (SCI) and must be drawn on a U.S. bank and in U.S. dollars. Visa, MasterCard, Diner's Card, Discover and American Express are accepted.
10. All auction items purchased at other than the Saturday Night Auction must be paid for in full before 6 p.m. Saturday, the last day of the Convention. Auction items purchased at the Saturday Night Auction must be paid for before the official close of the Saturday Night Auction. Arrangements for the removal of all items must be made before the close of the Saturday Night Auction. Any auction items that have not been paid for by the close of the Saturday Night Auction will be subject to a 10% surcharge, which will be added to the winning bid and this total will then become the purchase price. Any items not removed by the close of the Convention or for which arrangements for removal have not been made will be shipped COD to the winning bidder/purchaser, who also shall pay to SCI an additional 10% handling surcharge. Any bidder/purchaser who leaves his/her purchases at the Convention does so at his/her own risk. SCI is not responsible for any item not removed from the Convention by the winning bidder/purchaser. Items purchased through an online auction will be shipped by the online shipping representative and fees are the responsibility of the purchaser.
11. If you are unable to attend one or more live auction in person and wish to place bids for live auction items through a representative, you may give SCI absentee bid instructions to bid on your behalf. One of our representatives will then try to purchase your items of choice at the lowest price possible, and never for more than the top amount you indicate. However, SCI will not be held responsible for failure to execute any bid or for any errors in execution of bids. Absentee bids will be accepted until December 1 prior to the annual Convention. To place an absentee bid, you will need to call the Convention Department and talk to the Auction Program Coordinator. You must provide in advance a pre-approved credit card or other method of payment, bank reference, item to bid on and maximum bidding price that is acceptable to SCI. An absentee bidder must be a member of SCI and additionally pay the daily convention registration fee for the day of the auction of the items to be bid on. SCI will accept absentee bids for up to three auction items from one individual.
12. Silent auction items will be showcased daily at the silent auction location for open bidding to all SCI members in attendance. All open bidding, legibly written (including name, membership number and bid) will be accepted on bid boards until 30 minutes before the close of each silent auction (annual closing times will be posted in the annual day auction guide and on signage at the silent auction location). Open bid boards will be closed 30 minutes prior to the close of each silent auction. The highest bid from the bid boards will be highlighted. The final 30 minutes of bidding in the silent auction is submitted on a sealed bid form and dropped into a drop box located in the silent auction area. Sealed bid times will be posted and announced during the auction. The winning bid will be determined at the end of the 30-minute sealed-bid period. The highest bid is determined from a combination of open written bids and sealed bids for each item. If a sealed bid is higher than the last open bid, that becomes the winning bid. If two sealed bids are for the same amount, the winning bid is determined by time of bid. All sealed bids are available for review in the Auction Distribution Room after final winning bids have been posted. Sealed bid instructions are posted on the bid boards and on signs in the silent auction location. Winning bids from the previous day's silent auction will be posted each morning at 9:00 a.m. beginning on the second convention day in the silent auction location, and at the Auction Payment Counter and the Auction Distribution Room. On the last Convention day, winning bids will be posted at 4:00 p.m. and all final payments must be made prior to the close of the Convention.
13. ALL SALES ARE FINAL. ALL TANGIBLE GOODS PURCHASED AT THE SCI AUCTIONS ARE SUBJECT TO THE CURRENT STATE AND LOCAL SALES TAX RATES. THERE WILL BE NO EXCHANGES OR REFUNDS on items or services. Unless otherwise indicated, all auction items, services and hunts must be used within one year of the date of the purchase at auction. Dates and times for applicable items are to be arranged at the mutual convenience of the donor and winning bidder/purchaser.
14. IT IS THE PURCHASER'S RESPONSIBILITY TO CONTACT THE DONOR REGARDING PURCHASED ITEMS, SERVICES OR HUNTS and to make all arrangements for hunt dates and the application for necessary of paperwork for licenses and permits. SCI is not, and will not act as, a conduit or go-between between the purchaser and donor. After the hunt has been completed, the purchaser must complete a hunt report form and submit it to the Convention Department, Auction Program.
15. Items may be removed from the Auction Distribution Room only by presenting a claim check, which is issued to the purchaser at the time of payment. Auction items may be picked up in the Auction Distribution Room following each auction. On-site shipping will be available through a representative. Fees will be quoted and will be the responsibility of the purchaser. Items purchased through an online auction will be shipped by the on-site shipping representative and fees are the responsibility of the purchaser.
16. Although SCI has made every effort to ensure the quality of donated hunts and trips, it cannot, and does not, guarantee the satisfaction of either the donor or the purchaser.
17. To protect our hunt donors, SCI reserves the right to withdraw any donated hunt from the auction that does not receive a bid at the minimum of 50% of its stated value. If the Auction Program Chairman or the Auctioneer determines that it is necessary or in SCI's best interest, the hunt may be offered to the last highest bidder at 50% of its stated value before determining that a withdrawal is necessary. If the last highest bidder rejects the offer, the hunt may be considered a no sale and withdrawn and may be resold later. All hunt values are printed in the auction catalog and verified from donor price lists. The Auctioneer shall have the sole and final discretion to determine the sale of a donated hunt.
18. Some hunts are subject to VAT and GST tax liabilities. Often these taxes are due and payable before a hunt can be taken. Other items may be subject to sales taxes. SCI does not assume responsibility for these fees. Interested bidders and buyers should verify amounts with donor and check with the local government where a hunt is to be taken to validate tax rates.
19. All firearm (excluding some types of muzzleloaders and bows) purchases made during the convention will be subject to the Brady Handgun Violence Prevention Act of 1993. After the close of the Convention all firearms purchased at an SCI auction or won in an SCI raffle will be returned to the SCI Headquarters in Tucson and shipped to the purchaser's nearest federally licensed dealer. It will be necessary for the purchaser to provide the SCI office with an original signed copy of the dealer's or their own federal firearm license (FFL) and a copy of the paid auction statement before shipment can be made. All shipping costs are the responsibility of the purchaser.
20. SCI has been advised that donated "worked" ivory may be sold at its auctions. "Worked" ivory must not have been imported under any permit that prohibits the sale of that ivory. The export of "worked" elephant ivory for non-commercial or personal uses is allowed under U.S. law, but requires a CITES permit and must have been imported legally. Most hunting trophies have come into the U.S. under permits that prohibit sale, and cannot be sold. Export of "raw" ivory is not allowed for any purpose.
21. The terms and conditions set forth in the Auction Buyer Policy and the Auction Hunt Policy are hereby incorporated herein by reference.
The purchaser's acceptance of the Buyer's Agreement, Silent Auction Bid Sheet or Silent Auction Sealed Bid Form signifies and guarantees that the purchaser has read and understands these Auction Program Rules and Regulations, the Auction Buyer Policy and the Auction Hunt Policy, and the purchaser accepts and agrees to completely abide by and be legally bound by all the terms, conditions, rules and regulations for the Auction Program.
SCI – Auction Buyer Policy
SCI offers donated hunts and items to its members at official SCI events through live auctions, silent auctions and the sale of raffle tickets for designated items. SCI's policy for hunts or items acquired by members at auction or through a raffle program is as follows:
1. SCI offers hunts, art, jewelry, firearms and other tangible items for bid during live and silent auctions or for raffle. All items are transferred as is. All valuations are provided by donors and all descriptions are based on information provided by third parties and SCI shall in no event be held responsible for their accuracy. SCI does not make implied or expressed warranties or representation of any kind, nor does SCI deem to have made any representation or warranty of the description, genuineness, attribution, provenance or condition of any item. No statement in the SCI publications, catalogs or brochures or in the bill of sale or invoice or elsewhere shall be deemed such a warranty, representation or assumption of liability by SCI. Any written warranties with respect to the items purchased are those solely and expressly supplied by the manufacturer or donor of that item or hunt. Although third parties sometimes provide appraisals with items such as jewelry, SCI does not verify or warrant their accuracy or origin. Appraisals are the result of subjective valuations and estimates of value and quality can vary markedly between competent and reliable appraisers. The provision of an appraisal does not represent a guarantee of value. Furthermore any written or visual presentation done or offered by third parties does not necessarily reflect the opinion or attitude of SCI.
2. The successful bidder (or "purchaser") of an item (whether through a live auction, silent auction or raffle) will immediately sign a Buyer's Agreement. The Buyer's Agreement will be brought to where the purchaser is sitting for signature and the bidder/purchaser will retain one copy at that time. For silent auctions, the Silent Auction Bid Sheet or Silent Auction Sealed Bid Form is considered a Buyer's Agreement of the purchaser to accept the indicated item and pay the bid amount. Purchaser's signature on the Buyer's Agreement and the Silent Auction Bid Sheet or Silent Auction Sealed Bid Form demonstrate that the purchaser acknowledges that the agreement is a legal and binding contract to accept the item and pay the accepted bid amount. Any changes, deletions or additions to the description printed on the Buyer's Agreement, which are agreed to by the purchaser and an authorized representative of the donor, must be noted and signed by both parties in order to be recognized as part of the auction purchase.
3. All auctions are final and there will be no exchanges or refunds on items or hunts. SCI has made every effort to ensure the quality of donated items or hunts. However, SCI does not guarantee the satisfaction of the donor or the purchaser in any case. In reference to hunt donations, it is the purchaser's responsibility to contact the hunt donor immediately and make all necessary arrangements for hunt dates and the application for any necessary paperwork for licenses and /or permits. Failure to make necessary arrangements may constitute forfeiture.
4. If a purchaser fails to pay for any item prior to the close of the Convention, SCI reserves the right to pursue all legal remedies available to it. SCI may undertake internal actions, which could result in sanctions including, but not limited to, suspension of purchaser's membership or expulsion from SCI.
5. Although SCI makes reasonable efforts to list all extra and ancillary expenses not included in hunt, travel, service and other items, lists of expenses in auction item descriptions should not be considered exhaustive or definitive and SCI will not be held responsible for their completeness or accuracy. The amounts of additional expenses listed in auction item descriptions are approximations and are subject to change without notice. Bidders should contact relevant donors before bidding for additional and updated information about expenses one can expect to incur in taking a hunt or trip or in using a service or item.
6. All tangible items are subject to local sales tax.
7. All of the terms and conditions set forth in the Auction Hunt Policy and the Auction Program Rules & Regulations are applicable to members purchasing items at auction or through raffle and such terms and conditions are incorporated herein by reference.
General – Any hunts, trips, goods or services purchased by buyer at auction are provided "AS IS" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability or fitness for a particular purpose. SCI makes no warranties about any Donor's accuracy, competency or reliability, or of the buyer's satisfaction with his/her purchase. SCI's acceptance of donor's gift or donation does not imply endorsement of the donor or the donated hunt, trip, goods or services.
In no event shall SCI, its directors, officers, agents, employees, or representatives be liable for any direct, indirect, incidental, special, exemplary, or consequential damages however caused and on any theory of liability, whether in contract, strict liability, or tort (including negligence or otherwise) arising in any way or form out of the Buyer's purchase of trips, hunts, goods, services or anything else purchased by Buyer at auction.
Hunts – Although SCI has used its reasonable efforts to ensure the quality of donated hunts and trips, it has no control over the operation of the donor and cannot and does not guarantee that the hunt or trip will be to the Buyer's satisfaction. The Buyer understands and agrees that it is his/her responsibility to make all arrangements for hunt or trip dates, including travel and completion and filing of all necessary documents, including applications for licenses and permits. SCI cannot guarantee or warrant that a trophy animal or any animal will be taken during a hunt. Some hunts are subject to VAT and GST liabilities, which sometimes are due and payable before the hunt can be taken. Buyer understands and agrees that SCI is not responsible for these fees and that it is Buyer's responsibility to pay these fees unless other arrangements are made with donor.
Goods - All goods covered by this invoice have been donated to or obtained by SCI from third parties. The Buyer acknowledges that the goods have not been inspected by SCI and that Buyer is advised, in the case of firearms, knives, bows, bullets, or other sporting and/or hunting equipment, to secure a competent inspection and test of the goods before use. The goods covered by this invoice are sold AS IS. Any written warranties relating to the goods are SOLELY those of the manufacturer or provider.
Services - All services covered by this invoice have been donated to or obtained by SCI from third parties, and are to be furnished by such third parties. No such services are to be or will be performed by SCI. SCI has no control over the operation of the donor and cannot and does not guarantee the delivery or quality of any such services and it is not liable for any loss or damage arising from or relating to the provision or non-provision of such services. Buyer acknowledges and agrees that in the event services purchased are outside of the United States, SCI shall not be responsible or liable for any political unrest or instability that may occur outside the United States, nor shall SCI be held accountable for any injuries or damages.
No Refund Policy – This purchase is non-refundable. In no event shall Buyer seek reimbursement from SCI and Buyer acknowledges and agrees that SCI is not liable to refund the purchase price or any portion thereof.
Governing Law, Jurisdiction and Venue – This Agreement, its construction, performance and enforcement shall be governed by the laws of the State of Arizona without regard to any conflicts of law provisions. For all claims or disputes in which SCI is named as a party arising under or with respect to this Agreement or any item purchased at auction, Buyer agrees that the exclusive jurisdiction and venue for such disputes shall be in the Arizona Superior Court, Pima County or the United States District Court for the District of Arizona, Tucson Division. Buyer waives any objection or defense (including, without limitation any defense of inconvenient forum) that Buyer may now or hereafter have to the venue of any such action or proceeding in such courts. If legal action is required and SCI prevails, SCI shall be entitled to recover its attorney fees and costs.
Auction Program Policies – Buyer agrees that he/she is bound by the Auction Program Policies published in SCI Auction publications and that he/she has read the above Disclaimers of Warranties and Liabilities and the Auction Buyer Policy and agrees to all such terms and conditions.
Successful online bidders who are not registered to attend the convention will be charged a daily convention badge fee for each date on which they win a bid.
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Polarized lenses are responsible for reducing glare from flat surfaces, e. g. of the water sheet. The reduction of glare makes the image sharper and the colors more saturated.
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To restore access to your account, you must login to your control panel. There will be a message at the top of the control panel indicating the nature of the problem. Follow the directions in your control panel and your site will return in the next 15 minutes.
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Asian Movies and TV Series Reviews, Photos and News
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When people face a problem in dealing with their credit card balances, the inability to pay them is not the only major issue. There are ways to relieve yourself of credit card debt. But without professional help, your chances of incurring more financial issues can be higher. Getting into credit card debt relief plans can affect much of a person's financial life. Unwanted repercussions can occur, such as a massive hit to a person's credit score and history, or the freezing of your accounts, leaving you with less monetary resources.
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