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Document Retrieval Rush Hour Courier Company in Overlea MD Here at ProEx, we are more than just a courier service. We measure our success not by the volume of deliveries we handle each day, but by the satisfaction of our customers. We provide many services including Document Retrieval Rush Hour Courier Services in Overlea MD. Call today for more information about our services and pricing.
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Yorkshire, VASubpoenas Services Priority Delivery Service Cost in Eldorado MDDocument Delivery Courier Service Rates in Gaithersburg MD


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Natures Plus Spiru-Tein High Protein Energy Meal Strawberry - 2.4 lbs. (1088g)
Natures Plus SpiruTein High Protein Energy Meal Strawberry is rich in flavor and nutrition! One of life's true pleasures is enjoying a delicious treat you know is good for you in every way. Natures Plus is especially proud of its entire line of Spiru-Tein products. With zero fat, Natures Plus Spiru-Tein High Protein Energy Meal Strawberry delivers a healthy infusion of plant-based protein, along with other essential nutrients. Natures Plus Spiru-Tein High Protein Mean Strawberry Energy Shakes now feature our pioneering, patent-pending Tri-Part Protein Blend of non-GMO rice protein, pea protein, and both non-fermented and fermented soy. With 14 grams of protein, each serving of Natures Plus Spiru-Tein High Protein Energy Meal Strawberry is a high-protein energy meal. Each delicious flavor has been meticulously engineered to provide a broad range of minerals and an incredible 100% of the Daily Value of all vitamins.
Features & Benefits:
- Mixes Instantly
- No Blender Required.
- Vegetarian
- Yeast Free
Blue-Green Algae (Spirulina)
Blue-green algae, of which spirulina is a well-known example, is a group of 1,500 species of microscopic aquatic plants. The two most common species used for human consumption are Spirulina maxima and Spirulina platensis. Spirulina is particularly rich in protein and also contains carotenoids, vitamins, minerals, and essential fatty acids.
Where is it found?
Blue-green algae grow in some lakes, particularly those rich in salts, in Central and South America, and Africa. They are also grown in outdoor tanks specifically to be harvested for nutritional supplements.
Who is likely to be deficient?
As it is not an essential nutrient, blue-green algae is not associated with a deficiency state. However, people who do not consume several servings of vegetables per day could benefit from the carotenoids and other nutrients in blue-green algae. Since it is a complete protein, it can be used in place of some of the protein in a healthy diet. However, very large amounts are required to provide significant quantities of these nutrients from blue-green algae.
How much is usually taken?
Blue-green algae can be taken as a powder or as flakes, capsules, or tablets. The typical manufacturer's recommended intake is 2,000–3,000 mg per day divided throughout the day. However, typical amounts shown to have helpful properties in animal studies would be equivalent to 34 grams per day or more, for a 150-pound human.
Are there any side effects or interactions?
Few side effects have been reported from the ingestion of blue-green algae. However, as blue-green algae can accumulate heavy metals from contaminated water, consuming blue-green algae could increase the body's load of lead, mercury, and cadmium, though noncontaminated blue-green algae have been identified. Another popular species of blue-green algae, Aphanizomenon flos-aquae, has been found to produce toxins. A few reports also describe allergic reactions to blue-green algae. Animal studies have found spirulina to be safe during pregnancy.
There is one case report of a man who developed liver damage while taking spirulina. As he was also talking three prescription medications, it is not clear whether the spirulina caused or contributed to the liver injury.
About Spiru-Tein Protein
Natures Plus best-selling line of Spiru-Tein High Protein Energy Shakes delivers world-famous incredibly delicious taste sensations while unleashing peak performance and revitalizing natural energy!
World renowned for an incredibly diverse selection of luscious flavors and energizing, revitalizing nutrition, SPIRU-TEIN vegetarian protein powder shakes have become the premier protein drink for quality-driven, health-conscious consumers. Fused with 100% of the Daily Value of all vitamins and a broad profile of minerals, energy nutrients, diet aids, enzymes, cleansing nutrients and fiber, SPIRU-TEIN is the world's most complete high protein energy meal.
Powerful, invigorating nutrition to revitalize your life:
- Tri-Part Protein or Gold Standard Protein vegetarian protein powders
- Whey Protein
- low-glycemic Simply Natural (Tri-Part vegetarian protein or whey) variations
There are more than 25 luscious Spiru-Tein protein powder flavors to satisfy your appetite! The silky, smooth texture and indulgent, decadent flavors impart pure sensory delight! One taste is all it takes to realize why Spiru-Tein is the world's greatest energizing protein shake ever!
Original Spiru-Tein vegetarian protein powder is the only shake with an impressive 25+ years history of loyal customer satisfaction. Spriu-Tein's dedication to time-honored, proven quality delivers the healthful, energizing fulfillment you need to revitalize your senses and enjoy life to the fullest!
Spiru-Tein is a Healthy Heart Food
A rigorous evaluation by the U.S government has validated what many have known for years: cardiovascular fitness - soy protein (25g daily), combined with a diet low in saturated fat and cholesterol, may help reduce the risk of heart disease. Each serving of Spiru-Tein provides 6.25 grams of soy protein
Simply Natural Spiru-Tein
Smply, natural - and uniquely versatile. Available in 5 smooth, silky flavor bases, it's the unsweetened version of Original Spiru-Tein (with just 5 grams of carbs and 80 calories per serving). Make it your own special shake with favorite flavors, ingredients, and sweeteners of your choice!
Spiru-Tein Gold
The ultimate, energizing, soy-free vegetarian protein powder formula (with Gold Standard chia, rice, pea and flax proteins for optimal digestibility and complete nutrition. Spiru-Tein Gold is sweetened with xylitol to benefit low-glycemic dieters or anyone who wishes to eliminate sugars from the diet. In tantalizingly delicious flavors such as Banana Berry Blast and Chocolate Cherry, Spiru-Tein Gold builds on the solid foundation of Original Spiru-Tein, with more healthful nutrients and supplying higher levels of natural energy than ever before!
Spiru-Tein Whey
Shake High Protein Powder Spiru-Tein Whey is packed with the same high-powered profile of vitamins, minerals, diet aids, enzymes, spirulina and fiber as classic Spiru-Tein, yielding great-tasting, energy-enhancing shakes that support total health and vitality. Fueled with 14 grams of micro-filtered whey protein, Spiru-Tein Whey gives you energy to burn. With the signature nutrients and outstanding taste of Spiru-Tein, Spiru-Tein Whey is the pinnacle of whey protein energy meals!
Spiru-Tein Whey Sweetened for Low-Glycemic Diets
Now you can supercharge low-glycemic diets with the power of whey protein! From the first silky, creamy sip, you realize that Sweetened for Low-Glycemic Diets Spiru-Tein Whey is no ordinary protein shake. Its luscious, old-fashioned shake taste rewards you with sensory bliss - smooth, velvety texture and rich, deep flavor.
About Natures Plus
Natures Plus has been considered the gold standard in Natural Vitamins and Nutritional Supplements for over 40 years.
The Beginning
In the early 1970s, when Gerald Kessler founded Natures Plus, he had a clear vision of the kind of products he wanted to produce. Carefully studying the natural vitamin market, he observed that consumers were seeking energy and an enhanced quality of life from their vitamins. He knew that only a supplement made with superior ingredients and the highest standards of manufacturing could result in exceptional products with the energy-releasing results consumers demanded.
Over 1,200 Natural Vitamins and Nutritional Supplements Later
They continue to fine-tune their products and raise the bar for quality and performance in their industry. Today Natures Plus products are unsurpassed in their ability to release natural energy and provide the ultimate feeling of well-being. That's why they call them the "Energy Supplements."
The Natures Plus Quality Commitment
Natures Plus has worked hard to earn the loyalty of millions of satisfied consumers and health food retailers worldwide with our emphasis on high quality at every stage - from manufacturing to on-time delivery to retailers:
Selection of the highest quality safe and natural ingredients
Over 1,200 natural vitamins and nutritional supplements to meet a wide variety of needs
Customized nutritional products for men, women and children that deliver maximum results
State-of-the-art manufacturing facility. Their facilities, which are FDA registered and NSF certified, maintain continuous adherence to cGMP compliance and superior standards through consistent review by their Quality teams.
Ongoing research and development continues to bring you and your family the most effective vitamins and supplements based on solid, scientific findings
Innovative vitamins and supplements enhanced with special combinations of ingredients for maximum health and energy benefits
100% Consumer Satisfaction Guarantee. Natures Plus is committed to supplying superior quality natural vitamins and nutritional supplements that meet the high-energy demands of their customers without shortcuts or compromise.
Label Information
Natures Plus - Spiru-Tein High Protein Energy Meal Strawberry - 2.4 lbs. Supplement Facts Serving Size: 1 Scoop (34g) Servings Per Container: 32 Amount Per Serving Spiru-Tein w/1 Cup Skim Milk Calories 99 179 Calories from Fat 0 0 Total Fat 0 g* 0% 0% Saturated Fat 0 g 0% 0% Trans Fat 0 g Cholesterol 0 mg 0% 2% Sodium 140 mg 6% 11% Potassium 110 mg 3% 15% Total Carbohydrate 11 g 4% 8% Dietary Fiber 1 g 4% 4% Sugars 8 g Other Carbohydrate 2 g Protein 14 g 28% 44% Vitamin A 5000 IU 100% 110% Vitamin C 60 mg 100% 100% Calcium 300 mg 30% 60% Iron 4.5 mg 25% 25% Vitamin D 400 IU 100% 120% Vitamin E 30 IU 100% 100% Thiamin 1.5 mg 100% 110% Riboflavin 1.7 mg 100% 120% Niacin 20 mg 100% 100% Vitamin B6 2 mg 100% 100% Folic Acid 400 mcg 100% 100% Vitamin B12 6 mcg 100% 120% Biotin 300 mcg 100% 100% Pantothenic Acid 10 mg 100% 110% Phosphorus 200 mg 20% 45% Iodine 150 mcg 100% 100% Magnesium 80 mg 20% 25% Zinc 15 mg 100% 110% Selenium 21 mcg 30% 30% Manganese 5 mg 250% 250% Chromium 18 mcg 15% 15% Molybdenum 20 mcg 25% 25% *Amount in SPIRU-TEIN. A serving of SPIRU-TEIN plus skim milk provides 0g fat, 5 mg cholesterol, 245mg sodium, 496mg potassium, 28g carbohydrate (23g sugar) and 22g protein.
**Percent Daily Values are based on a 2,000 calorie diet. Your diet values may be higher or lower depending on your calorie needs.Each serving of SPIRU-TEIN also contains:
Inositol.......................50 mg
Choline (bitartrate).....21 mgOther Ingredients: Proprietary non-GMO protein blend (rice protein, pea protein and soy [isolated soy protein and fermented soy]), fructose, maltodextrin, di-calcium phosphate, beet juice powder, natural strawberry flavor, natural vanilla flavor, potassium citrate, strawberry seeds, magnesium oxide, guar gum, psyllium, oat bran, microcrystalline cellulose, spirulina, vitamin C, vitamin E acetate, choline bitartrate, inositol, apple pectin, bee pollen, niacinamide, vitamin A palmitate, zinc oxide, manganese sulfate, ferrous fumarate, calcium pantothenate, lecithin, lemon bioflavonoids, papaya, bromelain, chlorophyll, pyridoxine HCl, riboflavin, thiamine HCl, vitamin B12, vitamin D, folic acid, biotin, potassium iodide, chromium chloride, sodium selenite, sodium molybdate ...and LOVE.
Keep tightly closed in a cool, dry place. Keep out of reach of children. Not meant to be used as the sole source of dietary calories.


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XN1P Peugot Thrust Washers
Part No. 4W6165
Shipping and handling not included and will be billed separate.
All references to original manufacturer's trade names and part numbers are for identification purposes only. We do not warrant the accuracy of the information and data contained herein and specifically disclaim any and all liability arising from errors, omissions or consequential harm resulting therefrom. There is no affiliation between Pioneer Engine Company, Inc. and the original manufacturer's listed herein.


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Teeth Bonding in Camarillo, CA
Affordable, minimally invasive teeth bonding for a healthier, happier smile.
What is Teeth Bonding?
Teeth bonding is a cosmetic dental procedure where we adhere a tooth-colored composite material on top of your natural teeth to change their appearance. Then, we shape and polish the material, so it blends in with your other teeth. The result is a natural-looking and more aesthetically pleasing smile.
Which Patients Might Benefit from Tooth Bonding?
- People with chipped or cracked teeth
- People with discolored or stained teeth
- People with gaps or spaces between teeth
- People with misshapen teeth
- People with uneven teeth
Why Choose Camarillo Dental Group and Orthodontics for Teeth Bonding in Camarillo?
Camarillo Dental Group and Orthodontics provides the best teeth bonding services in Camarillo. We listen to your concerns and goals to develop a personalized treatment plan for your dream smile. Our experienced and top-rated dentists use proven technology and materials for the best possible results.
We provide:
- Affordable care: We offer competitive prices for our teeth bonding services without compromising on the quality of care.
- Minimally invasive options: Teeth bonding is a procedure that can be completed in just one appointment and conserves as much of your natural teeth as possible.
- Personalized treatment: Every patient has unique needs, and we take the time to listen to your concerns and goals to develop a personalized treatment plan.
- Expertise: Our team has years of experience in cosmetic dentistry and has helped countless patients achieve their dream smile.
What Should I Expect Regarding Tooth Bonding Recovery?
After the teeth bonding procedure, patients can expect to resume their normal activities immediately. Pain management is typically not an issue, but if it is needed, over-the-counter pain relievers will be enough
Our patients have reported high levels of satisfaction with their teeth bonding results. We are confident that you would be, too.
30-60 minThe Dental Bonding procedure takes about 30 to 60 minutes per
tooth to complete
tooth to complete
Camarillo Dental Group and Orthodontics
2380 E Las Posas Rd Ste A
Camarillo, CA 93010
in the Camarillo Village Square, next to Sprouts
Teeth Bonding Dentist Team
At Camarillo Dental Group and Orthodontics, we offer exceptional dental bonding services in Camarillo. With expertise in cosmetic bonding, our team can help you achieve your dream smile with beautiful and natural-looking results.
Trusted Teeth Bonding
Enhance your smile with teeth bonding. Our quick and painless procedure uses a composite resin to correct minor chips, gaps, and discoloration, giving you a natural-looking and confident smile.
Don't wait, Call Now 805-388-9110
Looking for a quick and easy solution to enhance your smile? Look no further than Camarillo Dental Group and Orthodontics! Our expert dental team provides personalized teeth bonding services using the latest technology and materials. Don't wait to achieve your dream smile - call our office today to schedule an appointment!
Dental Issues That Could Require Emergency Dental Care
- Toothache or sever dental pain
- Broken or chipped tooth
- Lost or knocked out tooth
- Swelling or infection in the mouth or jaw
- A lost or losse orthodontic appliance (such as a bracket or wire)
- Trauma or injury to the moth or jaw
- Abscess or pus-filled pocket on the gums
- A broken or lost dental restoration (such as a filling or crown)
- Gum bleeding that doesn't stop
Teeth Bonding FAQs
Is teeth bonding painful?
No, teeth bonding is not a painful procedure. It is typically performed using a local anesthetic to ensure that the patient is comfortable throughout the procedure.
How long does teeth bonding last?
Teeth bonding can last anywhere from three to ten years depending on the patient's oral hygiene and care habits. Regular dental checkups and cleanings can help extend the life of teeth bonding.
Can I eat and drink normally after teeth bonding?
Yes, you can eat and drink normally after teeth bonding. However, it is important to avoid chewing on hard objects such as ice or pens, as this can damage the bonding material.
How long does the teeth bonding procedure take?
The teeth bonding procedure typically takes about 30 to 60 minutes per tooth, depending on the complexity of the case.
Is teeth bonding covered by insurance?
Teeth bonding is considered a cosmetic dental procedure and is usually not covered by insurance. However, we offer affordable payment options to make the procedure more accessible for our patients.
1Dental bonding: What is teeth bonding & what to expect. Cleveland Clinic. (n.d.). Retrieved April 14, 2023, from https://my.clevelandclinic.org/health/treatments/10922-dental-bonding


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We offer a Free quote and UK design service, get in touch today.
The astroturf costs for synthetic lawn garden areas in Abberton CO5 7 vary depending on size, shape and location.
However as a very rough guideline price you would be looking around the rate of £70 per square metre. I personally have heard of prices branded around from hundreds of contractors which vary from £40 per square metre up to and over £100 which is on the high side for any project.
So working on the rate of £70 per m² then you will be wanting to know what you are spending this on and before I breakdown the prices for you even if you receive a price for £40 per square metre please be warned not to think you have received a better quote because you really need to value engineer any quotes and cheaper does not always mean better value which is very important as you need to make sure you're dealing with a professional company with many years of experience.
The contact form on this page is the best place to fill in if you require an in depth quote for your works however you must make certain you have all the information needed like the sizes of the lawn, shape of the garden and post code of where you want the surfacing to be installed.
Leisure grass lawn is a type of synthetic turf surfacing used for gardens around the United Kingdom. This type of surfacing is great for domestic use as it is pet friendly and weather resistant. The pile height of the synthetic grass fibres can alter depending on your individual needs, however we have found that 25mm is the most natural looking. A number of homeowners across the UK have had artificial leisure grass lawns installed to improve the appearance of their gardens and cut back on maintenance needed. If you're interested in finding out more about the leisure grass lawns which we can install, please complete the contact box provided on this page and we will get back to you at the earliest convenience.
When given a breakdown of costs for astro turf lawn garden in Abberton CO5 7 please be mindful that every job can vary depending upon access because a project with poor access to get the materials to the area will take longer onsite to carry out and therefore cost more however these are budget average rates I am sharing.
So let's get started on how the rate you're receiving of £70 per m² is worked out for the astroturf costs to synthetic turf garden:
As synthetic garden experts closest to you in Abberton CO5 7 , we are able to provide your facility with a high quality lawn which meets all your requirements, for a great price. As we have years of experience and specialist knowledge, we are able to provide your facility with high quality surface options that are suitable for a range of locations across the UK. Not only can we supply your garden with artificial turf, but also nursery play areas http://www.artificialgrasscost.co.uk/nursery-play-area/essex/abberton/, schools, and a number of other facilities across the UK. If you would like to find out more information, feel free to speak to our specialist team today. We are happy to talk you through the process and even provide you with a free quote. Simply fill out the enquiry form and we will get back to you shortly.
We can complete the whole installation http://www.artificialgrasscost.co.uk/installation/essex/abberton/ process; however if you're interested to find out about how fake grass for gardens is laid, our contractors follow these steps:
Once we have completed the installation of synthetic turf in your surrounding areas, little maintenance will be needed to keep the nearby area in good shape. We recommend cleaning or brushing the local surface to remove dirt and debris, as this will help to extend the lifespan of your lawn.
Now you have the breakdown of costs, rates and quotes you will receive from contractors then always make sure you're not just choosing the cheapest quotation you receive as being the best because always look at best value on the quotes received by looking into quality of previous projects, quality of their products they are installing for you and also checks like credit references to make sure you are dealing with an established company in case anything does go wrong you've got peace of mind they will rectify this for you.
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Almond Pastry Cookies
- KitchenAid® K400 Blender
- Two 12-cup nonstick muffin pans
- Citrus zester
- Rubber spatula
- Sharp knife
- Pastry brush
- 1 cup whole raw almonds
- 1½ tbsp fresh rosemary (stems removed)
- 1 cup all purpose flour
- 1½ cups whole milk ricotta cheese (room temperature)
- ⅔ cup extra virgin olive oil
- 3 grams blood oranges (small, Cara Cara, or Valencia)
- Preheat oven to 350ºF/180ºC/gas 4. Generously spray two 12-cup muffin pans with cooking spray. Sprinkle the bottom of each cavity with a couple pinches of sugar. Set aside.
- Add almonds and rosemary to your KitchenAid® K400 Blender. Close lid, select "Ice Crush" setting, and let blender run through the setting. Scrape down the sides of the blender with a rubber spatula, then replace lid and blend on speed 5 for 10 seconds. Scrape sides again and blend on speed 5 for a final 15-20 seconds, or until almonds and rosemary are finely ground.
- Pour the almond mixture from blender in a small mixing bowl. Add all-purpose flour, baking powder, baking soda, and salt. Whisk to combine, and set aside.
- Place ricotta cheese, olive oil, orange zest and sugar into the blender. Pulse 5 times to incorporate. Remove the lid cap and add eggs, one at a time, pulsing once after each addition. Replace lid cap.
- Remove lid, use spatula to scrape down the sides of the bender, then add half of flour mixture to blender and pulse 2 times. Scrape down sides of blender again, then add remaining flour mixture and blend on speed 3 for 15 seconds.
- Assemble the cakes. Use a sharp knife to cut off the ends of four of the citrus fruits. Slice the citrus into very thin rounds, no thicker than 1/8". Remove any seeds from the rounds and place one small citrus round in the bottom of each sugared muffin cavity. (See Chef's Notes for choosing/placing citrus.)
- Slowly fill each muffin cavity to a little more than halfway full. (A pastry spatula is helpful in portioning the batter from the blender and into the cavities.) Bake cakes for 20-25 minutes, rotating the pans halfway through baking. Cakes are done when a toothpick inserted into the cakes comes out clean.
Did you make this recipe?
Please let me know how it turned out for you! Leave a comment below and tag @tinysalt on Instagram and hashtag it #tinysalt.


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U.S. Bankruptcy Judge Christopher Klein ruled Monday on the most important question facing Stockton, Calif. -- whether it could enter into federal bankruptcy protection.
Klein agreed that the city is, in fact, broke.
But he didn't decide the question of whether the city must renegotiate its pension obligations, as some of its creditors had hoped.
"He did put off for another day the question of whether the pension holders would have to be part of any debt reduction solution," says Robert G. Flanders Jr., who was the state receiver appointed to oversee the troubled finances of Central Falls, R.I.
It's possible that, as Stockton draws up its plans for getting its financial house back in order, it will revisit its pension obligations, though the city has been reluctant to do so.
Klein did not force the city's hand in this regard, though he made it clear this could remain an issue going forward.
"The pension question may be presented in a number of different ways," says James Spiotto, a municipal bankruptcy attorney in Chicago. "Why rule on something you don't absolutely have to rule on?"
Millions At Stake
Like many other cities, counties and states, Stockton's pension fund is millions of dollars in the hole. Typically, pension obligations have been held sacrosanct, even as bondholders and other creditors lose money in bankruptcy proceedings.
As is the case with most other California localities, Stockton's pensions are managed by the California Public Employees' Retirement System, or CalPERS, the largest pension fund in the country.
Stockton owes CalPERS as much as $900 million to cover its pension obligation, which is the city's single-biggest liability. Stockton officials argued before Klein that, due to protections for pensions in the state constitution, it has to pay CalPERS the full amount.
That's been the typical reasoning in such cases. Promised pension benefits are protected under both state and federal law.
Many governments have been changing their rules for new employees and benefits to be accrued in the future, but they've felt legally bound to honor all pension debt that's already been incurred.
Stockton's position was challenged by bond insurers who guaranteed $165 million in loans the city used to make contributions to CalPERS several years ago.
Why should they get back only 17 cents on the dollar, they asked, while CalPERS expects to get every penny?
"Naturally, the bondholders and others who will be taking a big haircut in the debt adjustment process are saying that's not fair -- there's a big class of creditors who are being given a free pass here," says Flanders, a former associate justice of the Rhode Island Supreme Court.
"The issue is a very important one, not just in Stockton and not just in California, but across the country," he says.
Bankruptcies Are Fairly Rare
Stockton was one of three California cities to seek bankruptcy protection last year, along with San Bernardino and Mammoth Lakes. Mammoth Lakes has already been denied such protection.
They were the only three cities in the country to file for bankruptcy last year. Not all states allow cities to go bankrupt. Even so, the actual number of bankruptcies is fairly low -- an average of nine per year over the past five years, including local government units such as hospital and utility districts, according to Spiotto, who practices with Chapman and Cutler LLC.
"Since 1954, there have only been 62 cities, towns, village or counties that have filed for Chapter 9," he says. "Of those, 29 were dismissed. They found some other way of adjusting their debt."
It's possible that more cities will declare bankruptcy in the future -- or threaten to, in their negotiations with creditors -- if it becomes a way to get out from under crippling pension debt.
"It's really unfortunate that it's come to bankruptcy proceedings as a way to negotiate pension promises and contracts," says Jean-Pierre Aubry, assistant director of state and local research at the Boston College Center for Retirement Research.
Who Ends Up Paying?
The whole point of bankruptcy law is that it tears up contracts and erases financial obligations that under normal circumstances would have to be paid, Flanders says.
If Stockton continues to hold its pensions obligations sacrosanct -- in essence, not addressing the largest single source of its debt -- it will have to convince Klein that such an approach won't harm the city's return to solvency.
"The underlying question here is whether a city can pick and choose which debts it wants to adjust and leave other obligations intact," says Flanders, the former Rhode Island judge.
"In the end, a federal judge is going to be loath to question a city's decision to favor one creditor over another," he says.
The question of who is forced to make future sacrifices because of the inability to fund past pension promises has been an important political topic in recent years. Pension obligations never seem to go away.
Recently, there have been reports that two descendants of Civil War veterans are continuing to receive pension payments from the Department of Veterans Administration.
"All of us baby boomers are heading into our retirement years, so the obligation is an enormous one," Flanders says. "The problem is only going to get worse and put more stress on cities and towns."
Copyright 2013 NPR. To see more, visit www.npr.org.


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Top seed Dolores lead 5-1 early over Ignacio at the 2A District 3 tournament championship Saturday.
The Bobcats then found their offensive rhythm.
Ignacio rallied to take a 7-5 lead and never trailed again.
Dolores had its 12-game winning streak snapped by the team it last lost to, 68-51, at Montezuma-Cortez High School.
"They took us out of our offense, really," Dolores coach Larry Schwartz said. "They knew where we wanted to go. We couldn't handle their onslaught."
The Bears (15-6) were the San Juan Basin League regular season champions and took care of fourth-seed Ridgway last Friday night, 58-51.
Ignacio (18-5), the three seed, handled No. 2-seed Telluride 49-33 Friday, setting up a district title showdown with Dolores.
Unfortunately, the Bobcats continue to have the Bears number.
"They're just a good team. They're well coached," Schwartz said. "They hit shots when they had to. Every time we made a run and got close, they had an answer for it."
Dolores will play in the Region 5 tourney Friday against Lower Platte League regular season champ Yuma (19-2) at Grand Junction Central High School.
"It's been 10 years since we've been in a regional tournament. It's been 12 years since we've put a league banner up. We've got a lot to be excited about," Schwartz said.
The Bears trailed Ignacio 40-28 at halftime. Ignacio was led by hot shooting Adison Jones and Kelton Richmond.
The Bobcats relentlessly double teamed Dolores high scoring point guard Cody Carroll. The Bears senior had to earn most of his 14 points at the free-throw line.
A healthy Tyler Weir had a good game in the low post, scoring a game high 18.
However, whenever Dolores had momentum, Ignacio snatched it away with backbreaking 3-pointers.
The Bobcats built their biggest lead at 65-43 in the fourth quarter before winning by 17.
Richmond and Jones recorded 17 and 15 points apiece, while freshman Wyatt Hayes chipped in 13.
Dolores stamped its ticket to regionals with a hard fought win over the Ridgway Demons.
The first half was hotly contested with both teams battling back and forth. A Weir bucket before the first quarter buzzer gave Dolores a 12-9 after one. It was Weir's first game back from injury and the junior center shined.
"Tyler Weir, an awesome job coming back from a knee injury," Schwartz said. "He hadn't played in two weeks. He dominated the boards and played great offense."
Ridgway (8-12) took a 22-21 lead after a Nathan Hagemeyer runner in the lane and it appeared the Demons would lead at halftime.
But Carroll had other ideas.
Austin Blackmer was running out of time and passed to Carroll. The speedy guard quickly launched a 30-foot 3-pointer at the buzzer that swished.
Carroll confidently strutted off to the locker room with his team up 24-22.
The Bears carried that momentum into the third quarter and built their largest lead of 43-33 going into the final stanza.
Ridgway, though, just wouldn't go away.
A Weston Patton runner brought the Demons within 51-46 with 3 minutes, 13 seconds remaining. Schwartz called timeout and on the Demons next possession, Carroll stole the ball and took it coast-to-coast to give Dolores a 53-46 lead.
The Bears went onto post a 7-point win.
"It's hard to beat a team three times," Schwartz said. "We talked about having to fight them for four quarters. Our boys just persevered. That's what they've done all season."
Weir had a game high 24 points and Carroll tallied 22.
"It was a great win for not only us, but just our whole entire school," Weir said. "(At the) beginning of the season, coach told us if we bought in, we'd end up here and go further."
Hagemeyer paced Ridgway with 17 points and Corbyn Robinson poured in 10.
Ridgway was eliminated Saturday by Telluride, losing 55-51 in overtime.
Dolores faces Yuma on Friday with a starting time still to be determined.
[email protected].


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Minor Configuration Required
There is currently no pre-built and ready to use Tacton connector available at the moment.
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By connecting our growth stack, we personalized messaging at scale for hundreds of thousands of customers and doubled our engagement rates.


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What Happy Families Know:
- All in the Ohana
- Share
All in the Ohana
How Hawaiians embrace the land, its abundance, and their responsibility to each other.
The Hawaiian culture is one of inclusion. Our language and our processes and our traditions—it's all about trying to make people family. We end up, like I have, with very large families.
Hanai is one of the ways we build family. It started out as a kind of adoption. Traditionally, hanai was first-born children going to be raised by their grandparents. It was a way of making sure the culture survived—that each new generation learned traditions from the generation closest to the source. It wasn't optional for the parents. If the grandparents wanted the child, they got the child.
That still went on, even in my lifetime. My grandmother hanai'd one of my cousins. My aunt didn't want to give up the child, but she felt compelled to, because it was a duty traditionally. But the word means a lot of things now. Hawai'i has many cultures, and they mix together, and words change meanings.
Hanai can also be a lot like adoption. When my father married my mother, she already had a daughter. My father hanai'd her, and she was brought up as much my father's child as I was. He eventually adopted her, but it's different. Adoption is a legal thing—it gives you duties that the law can enforce. Hanai is a kuleana—a moral duty. The consequences of breaking a kuleana are really worse than breaking a legal duty. You can be shunned, or cursed.
Building Bridges
I think even in traditional times hanai came to be a way of building bridges between families so that there wouldn't be as much animosity when it came to disagreements. If I hanai'd your child into my family, you and I are family now. And so that makes it more difficult for you to come and fight with me. So it was a way of aligning perspectives.
And I think that's partly what my father was doing when he and my mother hanai'd me to my father's brother when I was eight. My parents were going through hard times, and that was part of it, too. My uncle and aunt didn't have children, so they were in a position to take care of me.
But I think it was also a way for my father to build bridges within his own family. When my dad married my mother, his family didn't approve. My father was Japanese, and when I was born, intermarriage between Japanese and other ethnic groups, especially Hawaiians, was really unpopular. I think my father sent me to live with his brother as a way to try to make peace with his family.
I lived with my Japanese uncle and aunt for three years, and then my parents were able to take care of me again. We moved to Waianae, right around the corner from where I live now. My grandmother had purchased this row of Quonset huts. My family moved into one of the Quonset huts, and all of my aunts and uncles lived in the other ones. So in a little patch of ground, there were about 14 kids. We sort of lived in between each other's porches and houses, and played on the road at night. It was a lovely time. And in my cousins' households, there were lots of hanai kids. And that's another meaning of hanai—the kids go where they need to go, to anyone who can take care of them.
The rule is: you all belong to every one of us. So, if you're doing something naughty, anyone can spank you or yell at you, and unless they do something really horrendous, nobody ever goes back and yells at the adults for doing that. So there was a lot of interchange, and we ate at everybody else's house, and they ate at ours.
Then my mother and grandmother got into an argument, so my grandmother kicked us out. We ended up sharing a house with some cousins. It was in Damon Tract—a place that was thought of as a ghetto. And, you know, I didn't know that I lived in a ghetto.
There were a lot of us. So some of us, the older ones like me, we had to sleep on benches, and then the smaller kids got the beds. There were a bunch of kids who slept on the bed, and then there were a bunch of us who slept on the floor, or slept on a bench, or we just figured out where to sleep. It was an interesting time of life, and I really remember the good times.
That was my family—or my families —growing up. Family is complicated. Everywhere it's complicated.
My life took a complete turn when I met Poka, who's been my husband for 43 years. I was at the University of Hawai'i, and a friend of his introduced us. We stood in the hallway of Gartley Hall for four hours, and we just talked. We eventually ended up—in Hawai'i you always end up—talking about "What's your family name?" and "Where'd you grow up?" And it turned out we lived around the corner from each other in Waianae. And that day I knew that we were going to be married.
Poka grew up in a big family—seven boys and one girl. They weren't rich at all, but they owned their land. So they had a stable place to live. When Poka brought me into this family, they really hanai'd me. Just like with adoption, it's more than being an in-law. It's really becoming a member of the family as much as anyone who was born into the family—they know how to bring you into them. I learned how to be a parent, how to be an adult, from the Burgess family. I learned to talk to people; I had people who loved me very openly.
Family Portrait
Now Poka and I are the elders—we live in the same place where he grew up—and we have our own family, both our children and the people we've hanai'd in our own way.
So I was supposed to get my family together for a picture to go with this story in the magazine. That could have been a lot—enough to fill up the yard—because we've been here forever, and we could call about a third of the people in Waianae family. One of the ways that's happened is through aquaculture.
About 20 years ago, a group of us started an economic independence project to give families a way to make money at home—this is not a wealthy town. We reached back to the Hawaiian tradition of aquaculture: Huge fish farms were part of ancient Hawaiian culture. We set people up with fish tanks in their back yards to grow tilapia. They could eat some and sell some, and both ways they got something they needed: good traditional food and some money for things they had to buy.
We found that setting up the tanks was a bigger job than one family could handle, so in order to participate, three families had to agree to work together. That built bridges within the community and got families working together. And the fish need a lot of attention—raising hundreds of fish in a tank takes constant care. It turned out the people who did that best were children and elders. So it reminded families that those members had something valuable to contribute.
In our family, our fish tank is one way we all stay close. When it's time to harvest the fish, we get together, and we process the fish, and then we have a feast. We harvested just a couple of weeks before we got together for the family picture. All the fish—400 pounds—went to family members.
My elder brother is Haloa—the taro. When we harvest tilapia, we also dig taro to make poi—it's a traditional Hawaiian fish and poi feast. When you eat the taro, you reconnect to the ancestor, all of us who are sharing a bowl of poi. And he's in our family picture, along with our fish tank.
The cooking is done by my sister-in-law, Pola Decambra. She's married to Poka's brother David, who's a chemist. Pola's the most wonderful cook in the world—the Decambras are all great cooks.
Then there's Ho'ipo. She's a Decambra by marriage. When I asked her to be in the picture, she asked me "Can Herbie come?" Herbie passed away, but they were married for 48 years, and she still has this incredibly interesting and vibrant relationship with her husband, so she wanted to bring his ashes so he could be in the picture.
There's another person like that in the picture, our friend Kenneth. He was a client at our mental health center, and he worked in our yard. Before he died, we asked him where he wanted to be—we invited him to come live at our house. So after he died, we had a ceremony in our back yard, and put his ashes in the ground, and planted a mountain apple tree over him. So we hanai'd Kenneth, and he's next to the fish tank and the taro patch that he helped take care of.
Poka's older sister, Ku'ulei, married Sanford Haines, who's from Alabama, and they lived there for many years. They moved in next door about five years ago. All their children live on the mainland, so we're their local family. Sanford couldn't make it for the picture because he was back in Alabama visiting his family.
Of course, my children are in the picture, except my daughter Pua'Ena F. Burgess. She had to teach the day of the picture, and the gap in the picture is painful for me. She's the closest one in her generation to this land, because she spent a lot of her childhood here. When she was young, I was in college and Poka was in law school, and I guess you could say that Pua'Ena was hanai'd to her grandparents—almost like the traditional hanai.
And Anna couldn't be there. She and my son Mauna 'Ala have given us the new generation in the picture, Layla Ahonui-a-Lanakila Burgess.
I would have liked for my father, Christopher Y. Sonoda, to be in the picture. But he's 85, and although he's very active, he doesn't like coming to the country.
That's just the closest ring of my family. If you add in nieces and nephews and in-laws and their kin, it gets up to 300 pretty quickly. I've been learning about how to make family all my life. It just keeps growing.
YES! managing editor co-authored this article.


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Photo by James D. Schwartz / The Urban Country
Are car-free liveable communities the way of the future?
On Friday I posted a video highlighting how most Toronto Cyclists are considerate of others and are just trying to get to their destination in an imperfect city with streets and laws that were designed for automobiles.
A common criticism from commenters has been that I had edited out the video footage of the lawless bandits that apparently terrorize the streets of Toronto.
I decided to address this critique by showing the video footage in high speed from that same morning while I was pedaling about Toronto.
You will see in the video that the vast majority of cyclists are considerate of others:
Of course, anyone could go into a residential neighbourhood and take video footage of cyclists rolling through empty 4-way stops. But so what? 4-way stops were installed to calm motor vehicle traffic in residential neighbourhoods. Most motorists don't even bother coming to a complete stop either. As long as people aren't being inconsiderate to others or putting someone else in danger, then why get angry at it?
In fact, if not for motor vehicles, we wouldn't need traffic signals or stop signs at all.
A quick ferry ride over to Toronto's islands is evidence of this. The Toronto islands boast North America's largest car-free urban community. Bicycles, wheelchairs, and feet are virtually the only way of getting around, and only emergency and maintenance vehicles are allowed to drive on the islands.
The islands are comprised of roads that resemble any other roads that you might see in the city, except there are three things missing: automobiles, traffic signals and traffic fatalities.
Zero deaths. None. Zilch. Nadda. Nil. Nashi. Nej.
There are plenty of junctions with hundreds of bicyclists crossing paths with hundreds and sometimes thousands of pedestrians. Yet there isn't a single stop sign or traffic signal that I could find.
Sometimes we forget the reason we have traffic signals and strict rules in the first place: because we needed to control automobiles and prevent them from causing more deaths.
The Toronto islands are truly the most serene place in the city to live. Kids can roam freely on the streets without worrying about dodging cars. It's quiet, beautiful and only a 10-minute ferry ride from the city.
This type of car-free community should be a model for new developments in both urban and suburban areas. If we can slightly detach ourselves from our automobiles, we could build more of these car-free zones and liveable communities that would put our current residential developments to shame.
Below are a few photos I snapped on my phone early this morning while visiting the Toronto islands:
All photos by James D. Schwartz / The Urban Country
Stay tuned for an in-depth follow-up post on the Toronto Islands and the opportunity for future liveable communities that use the car-free model embraced by Island residents.
James D. Schwartz is the editor of The Urban Country. You can contact James at firstname.lastname@example.com.
Related Articles:
- Toronto Cyclists Are Selfish And Rude? (June 2011)
- Responsibility & Accountability On Our Streets (Apr 2011)
- Bicyclists Must Obey Laws If They Want to Share the Roads (Feb 2011)
- Enough Excuses: Cars Cause Death (Dec 2010)


text:
A day after police say a 34-year-old civilian contractor and ex-Navy reservist killed 12 people at the Washington Navy Yard, questions are being asked about how a man with a troubled service record and signs of mental instability had clearance to be on base.
Aaron Alexis, the suspected lone gunman who was killed by police in Monday's attack, was issued a "secret" level government clearance in March 2008, some three years before being discharged from the Navy, NPR's Tom Bowman said, citing Pentagon officials.
A secret clearance is normally good for 10 years, according to the website ClearanceJobs.com.
At the time of the shooting, Alexis was working for Hewlett-Packard subcontractor The Experts on a Navy-Marine Corps computer project at the Navy Yard. In a statement sent to NPR, The Experts confirmed that Alexis had been employed "for approximately six months over the last year."
The Experts said its latest background check for Alexis "revealed no issues other than one minor traffic violation." However, at least three arrests have come to light since 2004, as well as an incident last month in which Alexis said he was hearing voices.
On Aug. 7, police in Newport, R.I., responded to a complaint at a hotel where Alexis was staying. Alexis told officers that at least three people were using "some sort of microwave machine" to follow him with the intent of keeping him awake. A police sergeant contacted the Naval Station Police, according to the official report.
The Experts said it used an outside service to perform two background checks on Alexis and confirmed twice through the Department of Defense that he had a secret clearance.
As Bowman reports, a secret clearance — unlike a "top secret" classification — is fairly routine for contractors and in the military. It involves at least a rudimentary background check and/or a face-to-face interview with the person seeking clearance.
A secret clearance "is no big deal and does not require a lot of questions," Bowman says. In 2011, ClearanceJobs.com said that "541,097 government contractors held confidential/secret clearances," and a roughly equal number held "top secret" clearances.
Alexis would have had to undergo another background check in order to obtain an access card to gain entry to facilities such as the Navy Yard. He reportedly used a valid "Common Access Card" — or as it's called in the military's acronym-laden vernacular, a "CAC" — to get onto the base Monday.
A Department of Defense website describes the access pass as "a 'smart' card about the size of a credit card" that serves as "the standard identification for active duty uniformed service personnel, Selected Reserve, DoD civilian employees, and eligible contractor personnel. It is also the principal card used to enable physical access to buildings and controlled spaces, and it provides access to DoD computer networks and systems."
The website outlines a four-step process for obtaining the card — which includes being "sponsored by a DoD government official or employee," successfully completing a background investigation that includes an FBI fingerprint check and a "National Agency Check with Written Inquiries (NACI) check."
It isn't clear why Alexis' troubled history apparently didn't raise red flags during background checks for his security clearance or access card.
The Navy clarified Tuesday that despite "misconduct issues," Alexis had been given an honorable discharge in 2011 — after serving less than four years — as part of an Early Enlistment Transition Program. (It was initially reported that he was granted a general, and therefore less-than-honorable, discharge.)
A Navy official tells NPR's Bowman that it was a quick way to get rid of Alexis who was "not making it as a sailor."
"It was time for him to go," the official said, adding that Alexis had "multiple" unauthorized absences from 2008-2010, as well as an insubordination charge in 2008 and a "disorderly conduct" charge in 2009.
Before and during his enlistment, Alexis had run-ins with civilian law enforcement.
In 2004 in Seattle, he was arrested for "shooting out the tires of another man's vehicle," according to his statement to police. Alexis blamed the incident, in part, on post-traumatic stress disorder related to his "active participation in rescue attempts on Sept. 11, 2001," although it is unclear whether he was indeed a first responder at the time of the terrorist attacks.
The Associated Press reported Tuesday that Alexis was "thrown out of a metro Atlanta nightclub five years ago and cited for disorderly conduct." The AP says he received a citation from local authorities after he "damaged furnishings" inside the club, and that outside "he wouldn't stop swearing despite being told several times."
In 2010, Alexis was briefly detained in Fort Worth, Texas, after firing his gun through the ceiling of his downstairs neighbor. He told police the firing happened accidentally as he was cleaning the gun, though the neighbor believed it was done deliberately.
Arrests such as the ones in Georgia and Texas "would likely pop up" in background checks, NPR's Bowman reports, "though he was [never] convicted."
With the proper identification, it's unclear how much scrutiny Alexis would have been subject to at the Navy Yard.
Jeffrey Addicott, director of the Center for Terrorism Law at St. Mary's University in Texas, tells The Baltimore Sun that it is nearly impossible to search everyone coming on to a military base.
"Given the task at hand, they've done remarkably well," Addicott tells the newspaper. "If you think about the thousands of people who go on to military bases, it's impossible to stop and search every car."
He also notes that Pentagon officials "need to improve their advance screening of military personnel for signs that they could become violent."
"If you're trying to stop them at the gate, you're too late," Addicott says. "We need to have better screening processes."
As San Antonio news website MySA.com, which also spoke with Addicott, says:
"Military posts often are perceived as safe havens where war-weary troops can let down their guard. But the reality is far from that after a string of shootings and one foiled terrorist plot at Fort Hood, when a soldier who had planned to attack the base was caught with bomb-making materials and a handgun at his hotel in Killeen [Texas]."
"Still, after the [Nidal] Hasan massacre, motorists driving onto military installations are rarely searched. Random searches are conducted at Joint Bases Randolph, Lackland and Fort Sam Houston in San Antonio, but Addicott called those few and far between."
Terrorism expert John Michaud, a retired member of the Naval Criminal Investigative Service who is director of the School of Legal Studies at Husson University in Bangor, Maine, told Reuters that it's difficult to predict or prevent such attacks. Hours later, the news agency reported that U.S. Navy Secretary Ray Mabus has ordered a review of physical security at all Navy and Marine Corps installations in the wake of Monday's mass shooting.
"Certainly security will be reviewed, but no security precautions will protect all the people all the time," Michaud told the news agency. "If someone is willing to forfeit their life, it is much more difficult to deter them. That might be the case here."
Copyright 2020 NPR. To see more, visit https://www.npr.org.


text:
Apache HTTP Server Version 2.4
Description: | Enhanced charset/internationalisation support for libxml2-based filter modules |
Status: | Base |
Module Identifier: | xml2enc_module |
Source File: | mod_xml2enc.c |
Compatibility: | Version 2.4 and later. Available as a third-party module for 2.2.x versions |
This module provides enhanced internationalisation support for
markup-aware filter modules such as mod_proxy_html
It can automatically detect the encoding of input data and ensure
they are correctly processed by the libxml2 parser, including converting to Unicode (UTF-8) where
necessary. It can also convert data to an encoding of choice
after markup processing, and will ensure the correct charset
value is set in the HTTP Content-Type header.
There are two usage scenarios: with modules programmed to work with mod_xml2enc, and with those that are not aware of it:
Modules such as mod_proxy_html
version 3.1
and up use the xml2enc_charset
optional function to retrieve
the charset argument to pass to the libxml2 parser, and may use the
optional function to postprocess to another
encoding. Using mod_xml2enc with an enabled module, no configuration
is necessary: the other module will configure mod_xml2enc for you
(though you may still want to customise it using the configuration
directives below).
To use it with a libxml2-based module that isn't explicitly enabled for mod_xml2enc, you will have to configure the filter chain yourself. So to use it with a filter foo provided by a module mod_foo to improve the latter's i18n support with HTML and XML, you could use
FilterProvider iconv xml2enc Content-Type $text/html
FilterProvider iconv xml2enc Content-Type $xml
FilterProvider markup foo Content-Type $text/html
FilterProvider markup foo Content-Type $xml
FilterChain iconv markup
mod_foo will now support any character set supported by either (or both) of libxml2 or apr_xlate/iconv.
Programmers writing libxml2-based filter modules are encouraged to
enable them for mod_xml2enc, to provide strong i18n support for your
users without reinventing the wheel. The programming API is exposed in
mod_xml2enc.h, and a usage example is
Unlike mod_charset_lite
, mod_xml2enc is designed
to work with data whose encoding cannot be known in advance and thus
configured. It therefore uses 'sniffing' techniques to detect the
encoding of HTTP data as follows:
element, that is used.xml2EncDefault
is used.The rules are applied in order. As soon as a match is found, it is used and detection is stopped.
libxml2 always uses UTF-8 (Unicode) internally, and libxml2-based filter modules will output that by default. mod_xml2enc can change the output encoding through the API, but there is currently no way to configure that directly.
Changing the output encoding should (in theory, at least) never be necessary, and is not recommended due to the extra processing load on the server of an unnecessary conversion.
If you are working with encodings that are not supported by any of
the conversion methods available on your platform, you can still alias
them to a supported encoding using xml2EncAlias
Description: | Recognise Aliases for encoding values |
Syntax: | xml2EncAlias charset alias [alias ...] |
Context: | server config |
Status: | Base |
Module: | mod_xml2enc |
This server-wide directive aliases one or more encoding to another encoding. This enables encodings not recognised by libxml2 to be handled internally by libxml2's encoding support using the translation table for a recognised encoding. This serves two purposes: to support character sets (or names) not recognised either by libxml2 or iconv, and to skip conversion for an encoding where it is known to be unnecessary.
Description: | Sets a default encoding to assume when absolutely no information can be automatically detected |
Syntax: | xml2EncDefault name |
Context: | server config, virtual host, directory, .htaccess |
Status: | Base |
Module: | mod_xml2enc |
Compatibility: | Version 2.4.0 and later; available as a third-party module for earlier versions. |
If you are processing data with known encoding but no encoding information, you can set this default to help mod_xml2enc process the data correctly. For example, to work with the default value of Latin1 (iso-8859-1 specified in HTTP/1.0, use
xml2EncDefault iso-8859-1
Description: | Advise the parser to skip leading junk. |
Syntax: | xml2StartParse element [element ...] |
Context: | server config, virtual host, directory, .htaccess |
Status: | Base |
Module: | mod_xml2enc |
Specify that the markup parser should start at the first instance of any of the elements specified. This can be used as a workaround where a broken backend inserts leading junk that messes up the parser (example here).
It should never be used for XML, nor well-formed HTML.


text:
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text:
Saturday's reports about the arrest of a former emergency services volunteer in the town of West, Texas, indicate the story has not moved much from where we left things on Friday:
-- "Federal authorities said they wouldn't speculate on whether the case has any ties to the deadly blast at the West fertilizer plant, but officials with the McLennan County Sheriff's Office stressed in a news release that 'no evidence has been uncovered to indicate any connection to the events surrounding the fire and subsequent explosion . . . and the arrest of Bryce Reed by the ATF.' " (Waco Tribune)
-- "Federal bomb possession charges against a paramedic Friday spurred a new state and local criminal investigation into the deadly fertilizer plant fire and explosion. But authorities said there weren't yet any indications of a connection between the blast and the arrest of a man who responded to it." (Dallas Morning News)
-- "Reed, meanwhile, was in federal custody. A criminal complaint unsealed Friday afternoon said he was arrested after McLennan County deputies were called earlier this week to a home in Abbott, a town about five miles from West, and found bomb-making materials — including a galvanized metal pipe, canisters filled with fuses, a lighter, a digital scale and a variety of chemical powders. 'After further investigation, it was determined that the resident had unwittingly taken possession of the components from Reed on April 26,' says the complaint signed by ATF special agent Douglas Kunze." (The Associated Press)
The April 17 fertilizer plant explosion in West, a small community near Waco, caused 15 deaths and devastated the town.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


text:
Few things are more devastating to families than the prospect of foreclosure. You own your home and you love it — it serves you well. Yet, due to unfortunate circumstances, foreclosure may seem imminent.
For local Ca families facing foreclosure, the stress can be almost unbearable. Worse yet, the foreclosure process can take months or even years, stretching out the pain for longer than anyone wants.
Fortunately, you have options available to you here in Ca — perhaps more options than you realize. There are many strategies that help for foreclosure in Stockton; these are legal foreclosure avoidance strategies you can implement to help you resolve your foreclosure issue so you can get on with your life.
In this blog post, you'll read about 3 ways that you can avoid foreclosure (there are other ways to avoid foreclosure as well). The goal of these strategies is to help you legally and ethically avoid foreclosure and reducing the pain and frustration that you're facing, while minimizing any long-term financial commitment or burden to you. Not all of these strategies will apply in every situation but you'll probably be able to find at least one of the three ways that will work for you.
Strategy #1: Work out a deal with your lender
The first strategy is called a "foreclosure workout". In a foreclosure workout, you'll sit down with your lender and tell them that you don't think you can pay your current mortgage obligation but you'd like to figure something out so you can stay in your house and continue to pay your mortgage.
Contrary to popular belief, lenders don't want to foreclose! They want happy customers who pay their mortgages, so lenders are often willing to work with homeowners to figure out a deal. This might include a temporary reprieve on your mortgage payments, or it might include a catch-up strategy where your outstanding mortgage payments are spread out so you can catch-up and pay them off, or it might include a restructuring of the outstanding amounts that you owe.
Strategy #2. Bankruptcy
Filing for bankruptcy may seem like an extreme measure but it is one of the "tools" in your foreclosure avoidance toolbelt. When you file for bankruptcy, you indicate to all of your creditors that you are no longer able to pay your bills. Filing for bankruptcy will put a stop to the foreclosure process because all creditors must stop the collection process.
Filing for bankruptcy, though, is a little extreme: it may require you to sell off some of your assets in order to pay off your creditors. And, a bankruptcy will remain on your credit score for many years, which could impact everything from getting a loan to getting a car… even getting a job. So this shouldn't be your first line of defense!
Strategy #3. Short sale help for a foreclosure in Stockton
A short sale is the third strategy — this is where you sell your home and put the proceeds of the sale toward the amount owing on your mortgage loan. A short sale is a preferred method for people facing foreclosure because it is proactive, fast, and very effective.
- It's proactive, which means that you take matters into your own hands (that's a major stress eliminator because so much of the stress of foreclosure comes from the process being completely out of your control).
- It's fast — in some cases, you can sell your home in as little as a week! That's also because it's local: You can get help for foreclosure in Stockton since organizations like Carisa Buys Houses help people going through short sales.
- It's very effective because a short sale can completely wipe out (or almost wipe out) the amount owing on your mortgage. If there is any amount left over that is not covered by the sale of the property, you'll be responsible for it (although you can sometimes work out a deal with your lender).
With a short sale, you still end up with the reality of having to leave your home but there is a bright side: The impact to your credit is much less (compared to a bankruptcy or a foreclosure) so this is a smart long-term play to give yourself some options.


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text:
Tuesday 29 January 2013
Sepia Saturday 162 : 2 February 2013
39 comments:
- Unknown said...
Busy weekend coming up - early Posting
- 30 January 2013 at 00:18
- Bob Scotney said...
All this cycling has tired me out.
- 30 January 2013 at 19:41
- Brett Payne said...
Not much room on my bicycles for riders.
- 30 January 2013 at 20:03
- Peter said...
I'm online. Spread the word!
- 30 January 2013 at 21:32
- Barbara Rogers said...
Again my interests fly in a different direction from Alan's.
- 30 January 2013 at 22:49
- Postcardy said...
My post is about pneumatic mail tubes. Pneumatic tubes have also been used to carry telegrams and other things.
- 31 January 2013 at 01:13
- Boobook said...
Like Mike I have a busy weekend ahead so had to get this done now or never.
It's off to school this week. - 31 January 2013 at 04:29
- Helen Killeen Bauch McHargue said...
Somewhere I have a great picture of my father as a paperboy but can't find it. I still haven't got a good system for organizing and retrieving the few sepia photos I have. As usual, one thought leads to another and I rambled my way to the Superbowl in New Orleans decades ago. So goes the undisciplined brain.
- 31 January 2013 at 05:15
- Lovely's Blot said...
Uniforms for me!
- 31 January 2013 at 07:58
- Hazel said...
I miss Freddie Mercury!
- 31 January 2013 at 08:24
- Jackie van Bergen said...
My brother used his bike as a protest!
- 31 January 2013 at 22:04
- tony said...
I still have to catch up on comments this week (i will over the next 2 days)But Ive posted earlier in order to report on The Sepia Awards today.
- 31 January 2013 at 23:17
- Nigel Aspdin (Derby, UK) said...
Hi...I am new...I just added my new blog and may try to contribute further to Sepia Sautday in the future.
Everyone.......feel free to leave constructive criticism and advice please. - 1 February 2013 at 01:42
- Gill Edwards said...
am still waiting to be accepted on the facebook group :(
- 1 February 2013 at 10:35
- Wendy said...
Bikes and flirtation await.
- 1 February 2013 at 10:59
- Alan Burnett said...
Due to a business meeting yesterday afternoon I am still seeing double. It is all the fault of Tony Zimnoch. My post, however, is up.
- 1 February 2013 at 16:05
- Oregon Gifts of Comfort and Joy said...
I made an easy post this time, just a picture of some other boys wearing hats at work. I might be get a bit slow in visiting you, as we my daughter and grandson are coming to spend the weekend with us, but I will catch up as soon as I can.
Kathy M. - 1 February 2013 at 16:32
- Mike Brubaker said...
Another perfect theme photo to introduce the story of a boy, a hat, and a stick.
- 1 February 2013 at 17:26
- Gill Edwards said...
happy to be taking part again, lots of things to choose from and i had fun with my theme.
- 1 February 2013 at 18:23
- ScotSue said...
I had no bicycle photos so broadened the theme to look at how our ancestors got about. It is great to see so many bloggers taking part in Sepia Saturday, though I must admit I have trouble keeping up with all the contributions.
- 1 February 2013 at 19:33
- dakotaboo said...
I'm re-cycling and old cycling blog post this week.
- 1 February 2013 at 20:09
- TransDutch said...
Found a couple photos of my maternal grandfather I thought might be appropriate this week.
- 2 February 2013 at 00:01
- DougVernX said...
No bikes for me this week but a bike might have crossed on this structure even today.
- 2 February 2013 at 02:29
My tiny great grandmother and her giant bicycle are featured this week!
- 2 February 2013 at 05:17
- Bruno Laliberté said...
On theme and a short one at that!!
But with a Montreal flavor.
HUGZ - 2 February 2013 at 09:18
- Eugenia O'Neal said...
New to Sepia Saturday so 'hello' to all! Will try to get around to as many of you as possible throughout the day!
- 2 February 2013 at 10:26
- viridian said...
More boys working and a comment on child labor.
- 2 February 2013 at 15:07
- Kristin said...
I got my post up. another mystery photo from the box of Cleage photos. There is a girl on a bike and bits of a sign. I feel so hopelessly behind in my commenting. One day I will catch up.
- 2 February 2013 at 15:57
- Wibbo said...
A family snap this week - lads in caps.
- 2 February 2013 at 16:12
- 21 Wits said...
Yes! A great photo for this week's theme Alan, and while staying on theme, it gave me some ideas for next week, so who knows what may come of that! A warm welcome to all our new blogging friends at Sepia too- and thank you Alan (and Kat) for keeping us alive here at SS to share the past!
- 2 February 2013 at 16:38
- Unknown said...
Welcome to all the new entries. My only photo of a bike is not very old, almost 40 years, but an important time in our lives and that is what it is all about.
QMM - 2 February 2013 at 16:51
- Monica T. said...
I found two photos of my dad in his boyhood, one with a tricycle rather small for him and one with a bicycle a bit big for him...
- 2 February 2013 at 18:06
- Sheila @ A Postcard a Day said...
I really thought I was way off topic this week but I stretched to a tiny link.
- 3 February 2013 at 00:25
- Alex Daw said...
I have tried...as my Latin teacher used to say, I am very trying....
- 3 February 2013 at 08:13
- LLM Calling said...
a brilliant photo, really inspired me, thanks
- 3 February 2013 at 11:38
- anyjazz said...
Bicycles. That was easy.
- 3 February 2013 at 20:47
- Sherri said...
Hope I'm not too late.
- 4 February 2013 at 00:35
- Nigel Aspdin (Derby, UK) said...
Sorry, put the link in twice for last week,can't persuade Mr Linky to remove it.
Nigel - 5 February 2013 at 22:30
- Unknown said...
I'm back!!! After a month of a non-functioning blog, my access has reappeared, so here's some snow-related stuff for you to look at!
- 9 February 2013 at 15:00