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Risk governance
The board, supported by the risk committee, is ultimately responsible for governing risk-management processes in accordance with corporate governance requirements.
The risk committee reviews the group's risk appetite and tolerance levels relative to specific risks and risk-management policy and processes. It recommends the approval of the group risk-management plan for the ensuing year by the board. The investment committee reviews, within the framework of the board-approved delegations of authority, capital and other applications for recommendation to the board.
Appropriate risk-management measures, which include accountability for risk management as a key performance area of line managers, exist throughout the group to counter significant business risks which could undermine the achievement of business objectives. Policies and guidelines on risk management and control support management in discharging its risk responsibilities.
The effectiveness of risk-management efforts are assessed by internal and external assurance providers in terms of the group's combined assurance model.
Further to the inputs of its sub-committees, the board monitors, reviews and assesses all aspects related to the appropriate management of economic, social and environmental risk and opportunity at each quarterly board meeting.
The group's executive management encourages a risk-conscious business culture by embedding agreed internal controls and mitigating actions through all levels of management and supervisory staff.
Risk-management framework
The Grindrod risk-management framework, which reviews identified risks and accounts for new and emerging opportunities and risks, is supported by continuously updated operational risk registers. The effectiveness of this framework is reviewed by internal audit.
High-level strategic and external risks are assessed by the board, supported by the risk committee, with executive and operational management being responsible for the continuous identification, assessment, mitigation and management of risks within their areas of operation.
Risk-management process
Risk-management processes are designed to identify, quantify, prioritise, respond to and monitor the consequences of both internal and external risks and their associated opportunities. The processes also promote the ownership of risk areas and risk-management accountability within the group.
Identified risks are evaluated in terms of potential impact and probability in terms of the likelihood of occurrence. Areas include the risk of harm to people and environment, business interruption, financial loss, legislative and regulatory compliance and reputation. The evaluations of the impact and probability establish the basis for determining the inherent risks and their significance to the business. Residual risk is determined based on the risk-mitigation plans developed and implemented by management.
The internal audit charter provides for an internal audit plan that is aligned with the risk framework.
The board, supported by the risk committee, reviews the effectiveness of both the processes and procedures adopted by management for identifying, assessing and reporting on significant business risks, and the roles of assurance providers with respect to risk management.
Grindrod's identified key risks and associated mitigation strategies are as follows:
|Continued, reduced commodity demand, which impacts asset utilisation and income.
|Maintain internal market-analysis systems, diversify across commodities and geographies, include
take-or-pay clauses in contracts and engage with clients and suppliers to facilitate financially viable logistics solutions.
|Volatility in global shipping markets, which negatively influences return on assets and revenue streams.
|Continuous assessment of asset value against targeted returns, joint-venture, charter and pooling arrangements to optimise market penetration and a fleet-replacement programme that ensures fleet efficiency in terms of cost and returns.
|Liquidity risk, which impacts the funding of operations and projects.
|Managing businesses to continue generating cash from operations, maintaining an optimal balance between equity and debt funding and committed and uncommitted facilities with banks, with the renegotiation of funding terms and covenants when required.
|Supplier and partner concentration risk, which could distort sustainable income across businesses in the case of a default.
|Structured engagement with relevant suppliers and partners at strategic and operational levels to ensure mutual commitment and unlock the potential of infrastructural assets. Continued assessment of concentration risk in terms of established risk models.
|Political and sovereign risk, which threatens investments made in foreign countries. Expropriation of assets or concessions and political instability constitute the biggest impacts.
|Thorough country and investment assessments in terms of the group investment policy prior to board approval, including political-risk insurance where appropriate. Collaborative and consultative engagement with regional governments and communities, focused investment in social upliftment initiatives and partnerships with local businesses that are knowledgeable and reputable are integral to managing the associated risks.
|Loss of key management staff, which could jeopardise business continuity.
|Talent-management, performance-development and retention initiatives for key posts are in place, as is succession planning for top executives, which is monitored at board level.
|SHERQ risks, which can cause harm to employees, contractors and the environment and jeopardise the sustainability of the business.
|SHERQ risks are mitigated according to a SHERQ and sustainability policy, through transparent structures which include the group SHERQ management committee, SHERQ and legal-compliance KPIs at senior employee levels, the development of integrated ISO management systems and a rigorous incident-reporting, investigation and remedial-action procedure which includes board involvement in the case of serious incidents.
|Employment equity/B-BBEE risk, which could exclude the business from sourcing and retaining customers in terms of relevant legislation and industry charters.
|Driving equity compliance across the business and investigating and securing partnerships with like-minded B-BBEE companies through shareholding at group level or partnerships at operational level. This risk is also mitigated in foreign countries, through measures required by those countries.
|One Grindrod implementation risk, which could impact on the enablement of business growth and the ability to capitalise on opportunities.
|Continued enhancement and restructuring of common systems and processes within a shared-services model together with the continuous evaluation of integrated business opportunities through business development at a group level.
|Reputational risk, which could tarnish the market perception of the group as a reputable and dependable supplier, with a resultant negative impact on earnings and enterprise value.
|Enforcing sound governance structures to prevent adverse situations as a result of inadequate management and operational controls and a focused drive to keep stakeholders informed of business developments, both positive and negative.
Go to the top


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When people talk about civil rights, they're generally referring to the Civil Rights Acts of 1964. The 1964 act provided a legal foundation for anti-discrimination policies in the US based on race, sex, religion, or age. Since the Civil Rights Act, civil rights have evolved to encompass a number of different rights that people are entitled to. It is the job of a civil rights attorney to protect and uphold these rights.
Notable Civil Rights Cases
Throughout history, there have been many famous cases that have focused on civil rights. Brown vs. Board of Education was a landmark case in the desegregation of public schools; Griswold v. Connecticut was essential to privacy rights; and Miranda v. Arizona set the precedent for the now famous Miranda Rights, the rights that are read to a person at the time of arrest as dictated by the 5th amendment to the US Constitution.
Civil Rights Attorneys Today
Today, civil rights attorneys work with individuals and companies that are involved in an incident of a violation of civil rights. If a crime has been committed against you as a result of your race, gender, sexual identity, age, or religion, or if you have been denied employment or workplace benefits, you may be entitled to damages. Civil rights cases are typically civil cases. If you've been the victim of a civil rights violation, call an experienced civil rights attorney today.

subset: commoncrawl


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Festival of Trees is Nov. 23-24
The 10th annual Festival of Trees and Wesley Village Craft Fair will be Saturday and Sunday, Nov. 23 and 24, from 10-3 p.m. at Wesley Village in Shelton at 580 Long Hill Ave.
The event benefits volunteer caregivers at TEAM and activity programs for seniors at Wesley Village.
The two days include activities and fun for the whole family, including the viewing of decorated themed trees and wreaths donated by area businesses, organizations and individuals.
Participants may buy raffle tickets for the chance to win any of the donated trees. All drawings will be held on Sunday at 3:15 p.m. Winners do not need to be present.
The event also features a holiday craft fair, with more than 50 vendors offering a variety of gifts and handmade crafts. A local photographer will be taking photos with Santa from 11 a.m.-2 p.m. both days.
Throughout the day, there will be a holiday bake sale as well as refreshments available in the Crosby Commons Café.
TEAM provides supportive services to more than 5,000 low- and moderate-income families in the lower Naugatuck Valley region and Milford. For more information about TEAM, visit www.teaminc.org.
Wesley Village is a nonprofit organization providing relationship-centered care for the mind, body and spirit. For more information about Wesley Village, visit www.wesleyvillage-ct.org.


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Our sister company, TonersForSale.co.uk specialises in selling big brand printer toner cartridges for less and are proud to be one of the UK's top suppliers. They offer offer a huge selection of printer cartridges and to ensure customer satisfaction we carry large, up to date stock so that we will have the ink or toner that are you looking for.
To make the customers life a lot easier you can order over the phone by calling our friendly team on 0845 548 1266 and we'll let you know exactly what you need and take the order over the phone. Our fully interactive website - www.tonersforsale.co.uk - also has an easy to use ordering system should you choose to order online.
Printer cartridges are our speciality and for many years we have provided excellent delivery times and customer satisfaction. The independent reviwer, Ekomi ranks Toners For Sale at a full 5 Star rating based on our customer reviews.
We supply a wide range of ink and toner cartridges including HP, Brother and Canon all at our highly competitive prices.


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ICEE Shadowbox Art
by ICEE
ICEE Shadowbox Art
by ICEE
Allow 1-2 Weeks for Delivery
Chill out with America's favorite flavorful frozen treat, ICEE! Founded in Coffeyville, Kansas by Omar Knedlik, this iconic frozen beverage with its bright red and blue stripes and polar bear mascot makes a perfect addition to any wall.
This collectible shadowbox art piece measures 12 1/2" x 15" x 3 1/2" and comes ready to hang with its own certificate of authenticity. Printed on acrylic and set in a high quality finished wood frame, our shadowbox art pieces are handcrafted in Eau Claire, Wisconsin.
Enjoy the coldest drink in town year round in your game room, family room or home office with this one-of-a-kind retro tribute to an American classic.
Officially licensed by ICEE of America, Inc.


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As I posted on Tim Newman's most excellent blog this morning:
Legal judgements at this level are very subjective. For those that are insisting that Tony Blair's 'Supreme Court' has made the right judgement, I ask you whether you really think that this court, packed with staunch Remainers and progressive activists, would really have come up with exactly the same reasoning and judgement had the Remainers been in power and prorogued Parliament just as Boris did for the purpose of preventing Brexit.
Pig's arse they would have.
To which someone replied:
You're missing a crucial point here; the Govt's official position was that proroguing Parliament was nothing to do with Brexit. So either you think the decision to prorogue was dishonest and therefore you basically agree with the court's finding. Or, you believe the Govt official position and therefore the court decision is trivial and any Remainer bias is irrelevant. Surely there has to be some level of intellectual consistency?
My response was this:
Why is whatever reason the government gives a court matter in the first place? Don't you think that if things were the other way around that "Tony Blair's Supreme Court" would say '"Nothing to do with us guv", or, if forced to make a decision, they'd say "It's all fine, it's not for us to infer dishonesty", or "Whether or not there's any dishonesty is irrelevant, Parliament has been prorogued before, it's no biggie, it's only three days longer than the traditional break".


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Last Call Review of draft-ietf-pals-status-reduction-04
|Review of
|Requested rev.
|no specific revision (document currently at 05)
|Last Call Review
|Ops Directorate (opsdir)
|Luca Martini, George Swallow, Elisa Bellagamba
|Draft last updated
|Completed reviews
Rtgdir Early review of -01 by Adrian Farrel
Secdir Last Call review of -04 by Yaron Sheffer (diff)
Opsdir Last Call review of -04 by Jürgen Schönwälder (diff)
Genart Last Call review of -04 by Dan Romascanu (diff)
|Jürgen Schönwälder
|Reviewed rev.
|04 (document currently at 05)
|Review result
|Has Nits
|Review completed:
Disclaimer: I have not much clue about MPLS LSP PWs and hence I am reading this from a perspective of a clueless outsider. Section 1.2 is not really about terminology but instead it basically expands acronyms. The section does not define any terms or does it make it clear where terms are defined. A reader who does not know T-PE will not be pointed to a document that defines 'Terminating Provider Edge Node of MS-PW'. I usally find terminology sections more useful if they say where definitions of terms get be found. Section 3: s/the the/the/ Section 4: What is the 'Version' field in the message format? Section 4: There is an 8-bit field marked U C Flags and I _assume_ the U and C bits are the 'first' two bits and the 'remaining bits are the flags managed by IANA. Perhaps make this clearer, e.g.: +-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+ | Last Received Seq Number | Message Type |U|C| Flags | +-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+ Or alternatively simply name the entire 8-bit flags field like you do in the text where you refer to Message Flags and then explain in the text under the 'Message Flags' that the first two bits have a fixed meaning. +-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+ | Last Received Seq Number | Message Type | Message Flags | +-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+ This option carries less information but then you use 'Message Flags' in several places and you also request an IANA registry for Message Flags where the U and C bit are allocated. Looking at the IANA text, it says 'bit position' 0 and 1. Not sure this is clear enough, you seem to number bits in the order 0, 1, 2, ... It turns out we have several slightly different labels further down in the document for this flags field throughout the document - this makes searching in the text difficult, please use a single consistent name for this message field. Section 8.2 says values 1 and 2 are defined in this document but then it seems value 3 is also allocated, no? Subsections of section 8 switches several times between decimal and hexadecimal numbers. Perhaps things get clearer if a single number system (e.g., hexadecimal) is used when talking about a specific registry. Numbers like 134,217,728 look somewhat confusing, 0x8000000 seems simpler.


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Daily Fantasy Sports: The New Means Of Social Networking
The right union within the on-line world was created: a daily fantasy sports site paired using a societal media widget. With this installment, gamers can create mini-leagues, discuss and receive real time upgrade, and even talk with all others people from assorted groups. This additionally promotes an awareness of camaraderie which will later to nurture a deeper love because of this brand new era of gambling.
Several creators of everyday dream game internet sites are working together with the ideal agencies in building match centers wherein prepost and live game stats can be accessed. Hencethese centers can easily become hot hubs at which like minded players throw, problem each other, and perhaps even share their own strategies.
Daily Fantasy Sports Activities Functions Mobile
Because societal gambling is anticipated to be an increasing business for those years ahead of time, it is not surprising it has gone portable also. DraftKings has recently introduced the very first mobile app for everyday dream sports and that's the Enormous Baller.
The huge Baller is an easy-to-play match that has been simplified to run beneath the settlement demanded from your android phone. It is advisable for professional and casual gamers who may always be on the move however wouldn't obey a fast drama everywhere big big baller cheats.
But even if the entire game went there remains a bit of the gist of interpersonal media. Players can still join with buddies via instant messaging or during one third conflicts. Also, the mobile version of the everyday fantasy sport allows you to test your abilities against the app by way of the nine levels of play available in. This can assist you to comprehend the inner workings of the game and find out many strategies needed as a way to master the play but without spending any such thing as capital.
The Areas of Daily Fantasy Sports
In a virtual golf match, daily fantasy sports now have hundreds of faces. Aside from golfclubs, you might also play football and baseball. The center rules continue to be exactly the same although: you are able to create your own personal team which will play against another team. It won't matter how you title your team as contrary to the conventional game, there aren't any sponsors concerned. You are able to even make your workforce with people of almost the exact amount of talent so that harms will not influence your general performance.
The scoring, though, differs compared to the traditional footballsoccer, golf and basketball events. That is because points have been given at huge amounts instead of the regular 1 stage per rating. First, you would have to understand the specific statistics and data given from each staff as a way to correctly assess which team fits your skill level. This understanding could later help you work out your way up the ranks.
The single changes that happened when it has to do with daily fantasy sports over time is that players can now update their roster by using their own mobile phones or laptops. Points are now able to be emailed, tallied and then scored a few minutes following each game. Player statistics could be transmitted immediately which means you need to understand that your standing and also the sum of winning.


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Archive for April 27, 2017
Who am I again?
It is the eternal question of identity. Who is it that I really am?
If I can see something or experience it then that which I see, experience or use cannot be 'me' as I am the one that is seeing', 'experiencing' or 'using'.
As I look deeper at my subtle self, my thoughts, my feelings and even my intellect, I begin to realise that maybe I am not even these subtle aspects of what I call 'I'.
Yes, I have a mind, but I can step back and look at what is going on in my mind. So the mind cannot be 'I' as 'I' am the one that is looking at the mind.
I have feelings and I can experience these feelings – so I am the one experiencing and not the feelings themselves.
I use my intellect to discern, judge and decide – I use this factuality actively to perform an operation. So the intellect cannot be 'me'.
So who is it that I am? it needs stillness, silence and patience with the self to understand. It requires the exclusion of everything else to experience this ultimate truth.
I am awareness…..I am pure consciousness.
Om Shanti


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2007 Kayot S245
2007 Kayot S245 $29,500.00
(Click the picture to see more pictures of this boat.)
BOAT OWNER'S NOTES: Call Robert @ 619-219-1296
This 2007 Harris-Kayot S245 is a sharp looking boat with the Kayot quality expected in a first class Deck Boat.
Smooth in the water and rides like a dream.
With the 350 Magnum, 300 HP, Direct Drive, twin stainless steel propellers, the water cooled engine has plenty of power and cruises at 50+ mph.
This engine has only 58.6 hours on it and has all the service completed as required.
Entry into the boat is from the Bow, Stern, sides or the extended swim platform with ladders on the front and back.
There is a shower in the front to rinse off after the swim.
There are two Swivel chairs for the "Captain" and Co-Pilot, U-shaped seats forward and aft with a filler that can be converted into a padded sunning platform.
The boat has a full split windshield to pass front to back on deck.
It has multiple storage areas under the seats for equipment and supplies with two coolers for the iced beverages.
There is a battery compartment with a selector switch for the two batteries maintained on a battery tender all year long.
The Helm is padded and easy to hold onto in all climates and speed conditions.
The Helm is adjustable for height with very smooth control.
The digital gauges and engine status information is second to none, with easy to use menu display of all information.
The toggle control switches are within easy reach for controlling navigation lights, bilge pump, engine compartment fueling blower, stereo, courtesy deck lights & circuit breakers, single throttle & gear shift control.
It has a VHF marine band radio and a six foot Antenna with easy up and down.
The stereo is AM/FM, single CD with a dash mount Aux.
MP3 Plug for more of your music with four brand new 200 watt speakers with a exterior control on the bow that can control the stereo when the boat is beached.
It is has two deck mount removable tables, one for the front and one for the aft section of the boat.
There are two hand pump operated sinks.
One is on the counter behind the captains chair and the other is in the privacy room with the portable – pottie.
Dual axel Trail- Rite trailer carries the boat and requires a 2 -5/16 ball for towing with dual front surge disk brakes.
The tires are Goodyear and are as close to new as the hours on the boat.


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Happy Birthday Kitten Card
Product Description
- Card: 6.25" x 4.5"
- Letterpress printed A6-sized folded card with envelope
- Printed in Brooklyn, NY
Using a Victorian-era platen press, this card was hand-printed in Brooklyn on paper that is tree free, archival, acid free, recyclable, biodegradable, and elemental chlorine free. It features a sweet kitten with a bow tied around its neck in bright pink with "Happy Birthday" printed underneath and a blank interior. Includes envelope.


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1.2 kg mussels
Enough water to boil mussels
20 g butter
1/2 brown onion, chopped finely
1 packet of mixed carrot, cut lengthwise
1 bunch of brocollini, cut into bite size
1 clove garlic, crushed
1/2 cup(125ml) dry white wine
6 mushrooms cup, cut thinly
4-6 Roma tomatoes, chopped finely
1 tbs olive oil
salt and freshly ground black pepper
Scrub the mussels and remove beards. Bring water to boil, add in the mussels cook covered for 5-7 minutes or until mussels open. Remove from heat, drain and shell removed. Keep warm until needed.
Heat butter in large saucepan, add onion, garlic, tomatoes, carrot, brocollini, and mushrooms; cook stirring, until onion is soft. Add wine, bring to the boil. Once boil, and vegetables are soft, turn off the heat. Season the broth to taste with salt and black pepper.
To serve, spoon the vegetables and broth on to 4 bowls, then spoon and divided mussels equal portions on to the bowls.


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Saturday, June 13, 2009
my tomorrow and yesterday met for coffee
last week at starbucks
because my past is comfortable there
and my future likes the nostalgia of a caramel macchiato
i knew this was going to be the meeting of meetings---
my nervana of perfect understanding
they seems unusually quiet
i sat
waiting for that zen of wisdom
waiting for...
the floodgates of wisdom had opened and
"you remember jackie?"
"yes," my past answered with that knowing smile
"she got so fat!"
"NO WAY! what happened to the 300 crunches a day?"
everyone's life summed up in
3 hours
5 drip coffees
1 green tea
6 divorces
2 1/2 weddings
15 kids
2 breast implants
1 breast reduction
a fire &
"oh remember that girl who dated your ex-boyfriend and ran over his cat-- she died."
they only mentioned me once.
and that in connection with you.
remember that poem you wrote about string cheese and the blue velocity of love?
i guess one day you will leave it at my house and it will get rained on.
the blue ink will seep onto the table beneath,
staining it.
your words, with their meaning bled out, will be thrown away
but i will keep the table.
poem written and given to me by Salma Siddique.
a treasured friend.
i am missing her today....
(written 2007)
Posted by Shaina Longstreet at 1:14 PM
5 comments:
Subscribe to: Post Comments (Atom)


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It saddens me to believe that a womanis Prom night may end in disaster due to her gown. Setting it up right could look so very hard, but this shouldn't be considered a shock as, for a lot of girls, this would be the very first time inside their life that they've actually worn a formal gown. Here are some strategies for choosing a designer prom gown that may compliment you on the day.
1. The key reason a designer cheap prom dresses 2014 can look so horrible when worn is due to physique; or
rather the wrong robe for the wrong amount. Be truthful about your body condition. Loyalty doesn't mean being too self conscious or severe on your self; you need to be gentle and frank about your figure. So, if the body shape is Pear, Pie, Willow or Hourglass try to find the gown that's planning to complement your number; emphasizing specific pieces while de-emphasizing others. Don't try to alter your figure for the attire; dieting and the like frequently won't make the required figure and several ladies can get really stressed and frustrated when their bodies are not 'transformed' from one body shape to another. You're who you are; obtain a robe which will reflect who you are.
2. Recall, Prom is really a gathering of your piers. Do not get too carried away with the crisis of the celebration. Comfort is vital so, if youare more used to wearing Lycra and coaches, you ought to be willing to possibly, perform a large amount of exercise walking in those new high-heels or think hard about buying a dress that is so definately not your majority.
3. Selecting accessories 's almost as critical as choosing the custom prom gown. Some women may want to use a household treasure suchs a tiara. This is perfectly fine, however, if the accessory is certainly going to reverse the entire look, then you need certainly to reappraise your goals; if it's really important that you should have that specific accessory then you'll have to obtain the dress that suits it, as opposed to the other way round.
4. While it might seem limiting to put a ceiling in your budget it can help narrow down the options and varieties of gowns to purchase. This is a good thing, as often times, many ladies are overcome by the sheer amount of dresses that are outthere. Thus, before you actually search, correct a price and stay glued to it. Split your allowance for those items you will be obtaining including attire, shoes, bag, hose and hair styling.
5. Try and keep an overall image of the look you want when you're looking for your outfit. In the largest to the tiniest; it's the small details that may convert something from 'okay' into something that is simply stunning. The design ought to be matched – although you can get away with one or two modest deviations – the costume may be the major center point and all components must match it.
6. Don't be shy in asking for guidance from family and friends. All things considered, they know you best and will have the ability to create a helpful factor in your choice of dress. Nonetheless, be sure you be your personal boss. If somebody's strategy is something you feel uneasy about then stay glued to your gut feeling; it's your special day, not theirs.
Source: http://www.promdress-uk.com.


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Get brand new gospel hit by Chinyere – Hallelujah.
After an exceptionally effective music show labeled SOV facilitated by CHINYERE on the 26-2-2018, the vocal power house has lined it up with the discharge of another tune tiled HALLELUJAH!
Saying thanks to God for every one of his promises that came into accomplishment. A considerable measure of lives were blessed amid this show which was held in the Great City of BENIN.
Hallelujah is an praise jam roused by God to favour His kin this season.
Listen and download Chinyere – Hallelujah below,
Download Chinyere – Hallelujah


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One of William A. Ackman's longest-serving lieutenants is setting up his own shop.
Scott Ferguson is leaving Mr. Ackman's firm, Pershing Square Capital Management, at the end of the month with plans to begin his own hedge fund later next year, according to a letter to investors reviewed by DealBook.
Mr. Ferguson is the second executive to leave the activist hedge fund in recent years to set up his own firm, after Mick McGuire departed to start Marcato Capital Management in 2010. As with Mr. McGuire, Mr. Ferguson will maintain a relationship with his mentor.
But Mr. Ferguson has a special distinction: He was the first analyst Mr. Ackman hired at Pershing Square, and was the first investment team partner at the hedge fund. He helped oversee research at the firm.
"In recent years, Scott and I have discussed the potential for him to leave PS and form his own firm," Mr. Ackman wrote in the letter. "Recently, Scott and I concluded that now, at 38 years of age (I launched PS just shy of 38), would be a good time for him to take the next step in his career."
Mr. Ackman added that while Pershing Square has benefited from limited turnover among his employees, he believed that Mr. Ferguson's departure would allow other members of the firm's team to grow.
The move comes at a time when Mr. Ackman is in the spotlight again. He is planning to agitate for change at his biggest corporate target yet, Procter & Gamble, and is helping oversee the rocky transformation at J.C. Penney.
News of Mr. Ferguson's planned exit was reported earlier by Bloomberg News.


text: How about those shark attacks? Posted on September 17, 2018September 25, 2018 by Burt Lewis Anyone? https://www.cbsnews.com/news/cape-cod-shark-attack-friend-describes-attempt-to-save-screaming-victim/ Photo by GEORGE DESIPRIS on Pexels.com Share this:TwitterFacebookMoreSkypeEmailPrintPinterestLinkedInRedditLike this:Like Loading... Published by Burt Lewis I have been online since 1986 and owner of EastonMass.com since 1996. I'm all about sharing and learning. Thank you for using EastonMass.com View all posts by Burt Lewis


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Hello Everyone,
Firstly, I'm looking forward to seeing you all on Thursday for our first meeting of our brand new season. Take a look at the programme on our website to see what we've got lined up this season.
We've recently received a complementary email from an organisation called the Bright Country Mentors who help children progress into adulthood. They run a junior photo club and have used our website's links page to research photograph and found it very useful. One of their students has created a webpage full of links to sites on architecture and they've shared it with us in gratitude for our information. To see the link visit September's Monthly theme header.
I've used this as a basis for Septembers Monthly theme of architecture. One of the main photographic and easily accessible themes that can be photographed in so many different ways. As amateurs we are not restricted to the constraints a professional photographer would have to adhere to. So here's your change to get creative and enjoy experimenting with some wacky angles different focal lengths. Share your images with other members on our websites forum.
Best Regards,


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Dodd Title. Title services & Real Estate Closings. Categories: Abstract & Title Companies, Real Estate closings. 40 4th Street Apalachicola, FL 32320.
Mike H. | Machesney Park, IL. | Shearwater 17 This is a photo of my just finished shearwater 17 that paddles like a dream. This was the most fun that I've had in a long time. My first time working with fiberglass and epoxy, a wonderful learning experience.
Please search by any field. You can search the company name, company description, product category, lines or booth number. You may also sort the results using …
Franci Wray. Physical Address: 83 US Highway 98, Suite C, Eastpoint, FL … Dodd Title Company, Inc. … Physical Address: 40 4th street, Apalachicola, FL 32320.
Steamtown is on Sth Bridge Ave in Scranton, PA. The museum is based on New England seafood processor F. Nelson Blount's collection of locomotives, freight and passenger cars assembled in the 1950s and 1960s, incorporated as the Steamtown Foundation.
Title Insurance Killarney Shores, Fl With our Transportation Team, FIE's name is etched on the infrastructure and skylines throughout the Southeastern United States. We are building the future and if it moves our world forward, we will power it. Orlando (/ ɔːr ˈ l æ n d oʊ /) is a city in the U.S. state of Florida and the
Abstract & Title Companies in the Apalachicola Bay area including apalachicola, St George Island, Eastpoint, Carrabelle, Port St Joe, Cape San Blas and the …
Real Estate Closing Orange Park, Fl Title Company Arlington, Fl Clean Title. At SalvageAutosAuction.com, it's easy to find a clean title vehicle. The handy Quick Search link you've clicked on has automatically found all … title services plummers, Fl Title Services Oak Hill Park, Fl Title Company San Marco, Fl The Castillo de San Marcos is the oldest masonry fort in
Villas for sale in Westhampton. Surrounded by the breathtaking Westhampton Pine Barrens, discover the intimate, friendly neighborhood of Westhampton
Membership with Tower Federal Credit Union is available to several select employee groups and association groups in Maryland. Check your eligibility here.
Real Estate Attorney Whitehouse, Fl As St. Augustine Beach's largest law firm, we match clients with attorneys who … JAMES G. WHITEHOUSE … Our attorneys understand that the purchase of real estate is often the largest investment a person will make in his or her lifetime. Title Insurance Killarney Shores, Fl With our Transportation Team, FIE's name is etched on
trimaran preowned sailboats for sale by owner. 34′ Ted Brewer design one off marina in Urbanna Virginia off Rappahannock River, Virginia


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Spare Parts - Detroit: Become Human
Complete all objectives and earn all endings in our 100 percent completion guide to the Detroit: Become Human chapter Spare Parts.
Players diving into the Detroit: Become Human chapter titled Spare Parts will have to exercise caution, as there are a lot of opportunities for things to go wrong or for the mission to be outright failed. Earning a 100 percent completion not only means doubling back to earn all three endings, but making all the right choices to have Markus and the party complete their objective.
Spare Parts: 100 Percent Completion
Spare Parts is another Detroit: Become Human chapter with a lot of different branching points. Depending on what choices they make, players can arrive at one of three different endings, one of them being total failure and two of them resulting in Markus and the party escaping with the spare parts they're searching for.
Hunting for Parts
Climb onto dock
Reach Cyberlife
Gather spare parts
Resume Search
Find crate of androids
Control Room
Enter room
Lure guards
Run to Fence
Spare Parts: All Endings
Markus Stole a Truck Full of Parts
This is the optimal ending for the chapter. By avoiding guards as much as possible, not spilling any blood, and not sustaining any damage, the crew is able to leave the compound with an entire truck full of spare parts.
Group Returned With Full Bags
If players don't manage to find the key or wind up getting spotted by the guards, they can still manage to get back to Jericho with a bag full of parts, assuming they don't sustain damage on their own or by trying to save John.
Group Failed Their Mission
This is the ending that will unlock if players sound the alarm, run away, and sustain damage in leaving. This ending can also be unlocked if they choose to run away or hide when confronted with the security android.
Now that Spare Parts has been completed, the next chapter up will be The Eden Club. Keep on top of all the endings and 100 percent completion requirements by heading over to Shacknews' detailed Detroit: Become Human 100 percent walkthrough and guide.


text: The Canadian Charter of Rights and Freedoms protects the basic rights of Canadians. However these rights are not absolute. The Charter recognizes that these rights are subject to reasonable limits prescribed by law as can be demonstrably justified in a free and democratic society. A fundamental right that becomes the subject of debate is the Freedom of thought, belief, opinion and expression, which we commonly refer to as freedom of speech. There are many people who believe that the freedom of speech should not be limited in any way. At the far extreme, there are many people who think that speech should be limited in circumstances, usually when they do not agree with the message. In Canada, the law has recognized appropriate to limits the freedom of speech and expression. This often involves weighing the relative damage that could be caused by the expression against the value of such an expression. The most obvious example is the criminal charge for uttering threats. The courts and society have long recognized that a person's freedom to express themselves does not extend to allow them to threaten the safety of another person. Similarly, the creation and possession of child pornography is prohibited in order to reduce the risk of harm to children. There is little opposition to the argument that these are reasonable limits to expression in a free and democratic society. A further limitation on freedom of expression comes in the form of laws against hate speech. Much like laws prohibiting threats or child pornography, these laws are intended to protect individuals from harm. The risk of harm from a statement calling for death or harm to a group of individuals would outweigh the rights of the individual making the expression. More limits to freedom of expression are found in slander and libel laws. Making a statement that hurts another person's reputation is reasonably limited unless certain criteria apply. To defend a civil libel or slander action it is necessary for the person who made the defamatory statement to show that the statement was, true, it was made in fair comment, it was responsible communications on matters of public interest, or that a form of absolute or qualified privilege applies. Absolute privilege applies to statements made in a judicial or quasi-judicial proceeding or in parliament. Qualified privilege applies to statements made when the person making the statement can establish that they had a duty or interest in communicating the statement to a person who has an interest in receiving it. There are many reasonable limits on Freedom of Expression that are accepted in a fair and democratic society. It is important that we are careful in weigh these rights appropriately. Scott Buchanan is an associate at the law firm of Cobb & Jones LLP. For more articles, visit the Library Page at www.cobbjones.ca.


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Google's Walled Garden: Are We Being Pushed Out of Our Own Digital Backyards?Blog Post: February 27, 2018
Fantastic article! Thanks for laying out the landscape so well.
There was also the Google OneBox back in about 2009. A medical site site I worked on then was featured in the Health OneBox for a few years (alongside of other links, including links to the long-defunct Google Health) If I recall correctly, they were at the top of search results, then later moved to the right side of the SERPs. Medical Knowledge Panels emerged from the Health OneBox.


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Living with teeth that are crooked or overlap is not only embarrassing, it's also not good for your oral health since crooked teeth are harder to clean properly. If you're thinking about aligning your teeth with Invisalign, you are about to join many satisfied patients who are enjoying the benefits of straightening their teeth with discretion. Besides a straighter, more beautiful smile, Invisalign in Gaithersburg offers patients a number of other advantages.
Aligners are Removable
Invisalign utilizes clear plastic trays that can easily be removed for brushing, flossing, and eating. This means that there are no changes to your diet required during your treatment. Your home care routine also remains the same since it's easy to brush and floss with Invisalign.
Fewer Visits to Your Dentist
When you commit to orthodontic treatment with traditional braces, you are typically committing to visits every few weeks with your doctor for adjustments. This is not the case with Invisalign. During your Invisalign treatment, your aligners will be changed every two weeks, and this can often be done at home, which means fewer visits to your dentist taking up time in your hectic schedule.
Treatment is Efficient
If you wear your aligners at least 22 hours every day, Invisalign treatment can be completed very efficiently. Most cases can be done in 12 to 15 months depending on complexity.
Invisalign achieves great results for most patients. If you are considering it for your smile, the first place to start would be a consultation with your dentist. Dr. Neil Daftary or Dr. Robert Zaner are certified Invisalign providers, and they can determine if it will suit your needs and help you achieve your desired results. If you proceed with Invisalign treatment, we will even be able to show you what your completed smile will look like with 3-D technology.
Invisalign in Gaithersburg MD
Give us a call today to learn more about Invisalign!


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Q3F Indian Scout conversion kit now available in US
Manufactured in Belgium by on- and off-highway conversion kit specialist Sandy Poglavec's Q-Tec, the all new Q3F is a fully reversible "Reverse Trike" conversion kit for the Indian Scout.
Involving absolutely no frame welding or drilling, the bolt-on kit's interchangeable mounting brackets means it also coverts Softails, with Sportster, V-Rod, Victory and Big Chief conversions due later this year.
Now available in the United States, Mark Klein of New Jersey based importer Wide World Powersports (who himself is an Indian Motorcycle dealer) says that he is now looking for additional dealers.
The Q3F kit is a modular package that can be tuned for model specific conversion applications using interchangeable brackets - meaning dealers will have access to a wide customer base potential with minimized inventory overheads.
So far American Bike & Trike of Gilbert, Arizona, have signed on as a sub-distributor and service point for the south and west, and Klein told AMD that "The pedigree of these designs is proven, the manufacturer is a known, dependable and reliable partner, with the engineering and quality control experience that is needed.
"Combine that with the growing popularity of the "Reverse Trike" concept and the stunning looks achieved with the Indian Scout, and I'm sure that dealers here in the United States will be on to a winning formula."
Wide World PowerSports


text:
3 Tips For Buying Land and Building a House to Sell
"Sell Your Home Quickly in The charlotte, NY. Call Today and receive an Immediate Cash Offer!
We'll buy your home for Cash at The charlotte New York… do not wait weeks to get a realtor to sell your residence. Call on Text us now and we'll make you an offer within 24 hours! – 347 685 9317
Selling your home with a realtor can become quite overwhelming and stressful. We hear you asking"how to sell a home quickly" or"I want to sell my home quickly charlotte, NY." We buy homes for cash and manage everything for you. We specialize in fast house sales in The Bronx and surrounding areas and be sure that we buy your home in 14 days or less.
As a homeowner, it's never easy to sell a home, a house which you've probably invested a considerable amount of time and energy.
Finding the home cleaning and repaired the house.
Taking care of all of the inspection details.
Listing a fast house sale charlotte for money.
Listing your home with a realtor. Ugh!
Having multiple buyers see your home to view it before really finalizing anything.
Waiting for the potential buyer to really purchase your house.
The list continues on and on and on and you'll wonder"how to sell your home quickly?" We've Got the Solution! We'll Buy your home in 14 days or fewer in"as-is" state and will pay you in money. You don't need to think about renovating, repairing or with no inspections completed. And the best thing is that we will look after all of the paperwork that you sell your home quickly from The charlotte NY.
We know that selling a home is never an easy decision and it might be rooted with numerous motives such as – Divorce, Death, Relocation, not able to cover mortgage, etc.. check we buy houses charlotte . We don't need to know all of the details and never judge anybody. We'll just provide you with a reasonable cash price to purchase your house in The Bronx"As Is."
Avoid stressful paperwork- There's always lots of paperwork involved if you need to sell a home fast. We simplify this whole process and make it incredibly simple and facilitate a fast home sale in The charlotte, NY.
Repairs- you don't need to fix or renovate your home or clean it up for that issue!
Foreclosure – Should you have had a loss of income through loss of divorce or job you might not be in a position to cover your mortgage. Even when you list your home it may take months to market and it may still go into foreclosure until there's a real buyer.
We can assist you if your home is in any condition and in any component of The charlotte, NY. And we'll close in your time period, once you are ready!
We're your fastest way to sell a home. Call Now and get a totally hassle-free, all money quote within 24 hours. – 347 685 9317 – You Will Be happy you called ð™'
Even if an agent can not sell your property, we can help. (Sometimes selling a home through a realtor isn't for everybody.)
You do not have to clean up and repair the property
Do not waste time finding a broker who you trust and that will deliver on their promise of selling your property quickly
You won't have to sign a contract which binds you to a broker for some term
Or manage the paperwork and the wondering and waiting (and hoping)
We'll know very quickly if we can assist you, and unlike selling through a broker, you do not need to wait to determine whether the buyer can get funding… we are ready to purchase right now!


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I have been working on the presentation for the AGM on 10th Oct and must admit it is taking longer than I expected. One of the benefits is that I have created this blog on the way. Perhaps letting off steam will be good for the creative juices.
More coffee needed!


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Delhi Subordinate Service Selection Commission (DSSSB) has Recently Invited to Online Application Form for the Post of Primary Teacher Recruitment 2018. Those Candidates are Interested to the Following Vacancy and Have All Eligibility Criteria Can Read the Full Notification Before Apply Online.
Delhi Subordinate Service Selection Commission (DSSSB)
Primary Teacher Under MCD Recruitment 2018
Important Dates
Online Application Start : 02 July 2018
Registration Last Date : 30 July 2018
Fee Payment Last Date : 30 July 2018
Exam Date : Notified Soon
Admit Card Available : Notified Soon
Application Fee
General Candidates : Rs. 100/-
SC, ST Candidates : Rs. 0/-
PH Candidates : Rs. 0/-
Pay the Exam Fee Through Credit Card /Debit Card / Net Banking / E Challan Fee Mode.
Age Limit
Minimum Age : NA
Maximum Age : 30 Years
1. SC/ST 05 years
2. OBC 03 years
3. PH 10 years
4. PH + SC/ST 15 years
5. PH + OBC 13 years
6. Departmental candidate with at
least three years continuous
service in Govt. of NCT of
Upto 05 years for Group 'B' posts (which are in the
same line or allied cadres and where a relationship
could be established that the service already rendered
in a particular post will be useful for the efficient
discharge of the duties of post.)
Eligibility Details
Candidates Passed 10+2 (Intermediate) Exam and its Equivalent From Any Recognized Board / Institute.
Two Yrs. Diploma / Certificate / Elementary Teacher Education Course / Junior Basic Training or Bachelor of Elementary Education.
Candidates Passed CTET Exam.
Vacancy Details
Total Vacancy : 4366 Post
Post Name Primary Teacher
General 1610
Interested Candidates Can Read the Notification Before Apply Online.
Useful Important Links
Apply Online Link Activate on 02/07/2018
Download Notification Click Here
Official Website
According to Notification
1. The candidates must apply Online only. No other mode of application shall be accepted.
2. The candidates must read the INSTRUCTIONS FOR APPLYING ONLINE carefully,
which are available on the website of the Board, before filling up Online Application Form for
the post(s) concerned.
3. Benefit of reservation for various categories i.e. SC/ST/OBC etc. shall be given as per the
policy of Govt. of NCT of Delhi.
4. The successful candidates will be required to submit legible Self attested copies of the
documents, Admit Card alongwith the hard copy of printout of online application form at the
time of verification of documents (any information contained in the attached certificates shall not be considered unless it is claimed in the application form).
6. The centers for holding the examination will be in Delhi only.
7. The candidates must carry Aadhaar Card to the examination centre, failing which they shall not be allowed to appear for the examination.
1. EXAMINATION FEES AND MODE OF PAYMENT: ₹ 100/- (One Hundred only)
a) Women candidates and candidates belonging to Schedule Caste, Schedule Tribe, Physically
Handicapped & Ex-serviceman category are exempted from paying Application fee.
b) Ex-servicemen who have already secured employment in civil side under Central
Government on regular basis after availing of the benefits of reservation given to ex-
servicemen for their re-employment are NOT eligible for fee concession.
c) The candidates submitting their application online should pay the requisite fees only through
SBI e-pay. Other mode of payment will not be considered and the application of such
candidates will be rejected outrightly and payment made shall stand forfeited.
d) Fee once paid will not be refunded under any circumstances.
(i) The candidate must be a citizen of India.
(ii) The educational qualification, age, experience etc. as stipulated in advertisement shall be
determined as on the closing date of submission of application.
(i) Reservation benefits will be available to the SC/ST/OBC/Physically Handicapped & other special
category candidates in accordance with the instructions / orders / circulars issued from time to
time by the Govt. of Delhi.
(ii) Candidates who wish to be considered against reserved vacancies and /or to seek age relaxation,
must be in possession of relevant certificates (SC/ST/OBC/Non Creamy
layer/PH/Educational/Experience etc.) issued by the competent/notified authority (in
prescribed format) on or before the cutoff date (closing date of advertisement) otherwise
their claim for any category will not be entertained and their applications will be considered
against Un-reserved (UR) category vacancies, if eligible otherwise.
(iii)Only OBC (Delhi) candidates will be given the benefit of reservation/age relaxation under OBC
category. OBC (Outside) candidates will be treated as Unreserved candidate and they must
apply under UR category. The OBC candidates must be in possession of non-Creamy layer
certificate, along with his/her caste certificate.
(iv) Only following two types of certificates will be accepted as valid certificates for grant of
benefit of reservation to OBCs:-
(A) OBC certificate (Delhi) issued by the Revenue Department of GNCT of Delhi, on the basis of a old certificate issued to any member of individual's family from GNCT of Delhi.
(B) OBC certificate issued by a competent authority outside Delhi to a person belonging to a
community duly notified as OBC by GNCT of Delhi. This certificate should have mandatorily been issued on the basis of OBC certificate issued by Govt. of NCT of Delhi
to a family member of the concerned person who had been residing in Delhi before
(v) A Candidate belonging to SC/ST/OBC who is selected on the same standard as applied to general
category candidates and who appears in the general merit list is treated as own merit candidate.
Such candidate is adjusted against unreserved point of the reservation roster. Only such
SC/ST/OBC candidates who are selected on the same standard as applied to general candidates
shall not be adjusted against reserved vacancies. In other words, when a relaxed standard is
applied in selecting an SC/ST/OBC candidate, for example in the age limit, experience,
qualification, permitted number of chances in written examination, extended zone of
consideration larger than what is provided for general category candidates, etc., the SC/ST/OBC
candidates are to be counted against reserved vacancies. Such candidates would be deemed to be
unavailable for consideration against unreserved vacancies.
1. SC/ST 05 years
2. OBC 03 years
3. PH 10 years
4. PH + SC/ST 15 years
5. PH + OBC 13 years
6. Departmental candidate with at
least three years continuous
service in Govt. of NCT of
Upto 05 years for Group 'B' posts (which are in the
same line or allied cadres and where a relationship
could be established that the service already rendered
in a particular post will be useful for the efficient
discharge of the duties of post.)
7. Meritorious Sports Persons Upto 05 years (10 years for SC/ST and 08 years for
OBC candidates)
8.* Ex-Servicemen Group C & B
Period of Military service plus 3 years
9 Widows/ divorced women/
women judicially separated and
who are not re-married (for
Group 'C' posts)
Upto the age of 35 years (upto 40 yrs for SC/ST &
38 for OBC)


text:
FIRE IN SÃO PAULO - level 2
There was a massive fire in São Paulo, Brazil's largest city.
A fire started on the third floor of the 26 storey building and quickly spread.
More than 150 firefighters tried to stop the fire.
They think that a gas explosion caused it.
The building soon collapsed.
One person died in the fire but people fear that there could be more fatalities.
Fonte do texto e do áudio: www.newsinlevels.com


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It's pretty overwhelming and confusing to choose from a wide range of beautifully designed skateboards. As a beginner or even a seasoned rider, you want the best skateboard, which is something lightweight and easy to carry around, most especially when doing skateboard tricks.
How do you strike a perfect balance between durability, a smooth ride, excellent stability, and good turn radius when skateboarding? It all boils down to choosing the best skateboard for beginners or seasoned riders that best suits your needs.
In this post, we have gathered the five best skateboards to help you make a smart buying decision. Let's get started!
At a Glance: Our Top Picks
RIMABLE Complete 22-inch Skateboard It is made of three inches aluminum trucks that are top-notch in quality, with a maximum weight capacity of 198 pounds. Choose from a wide variety of designs and colors, perfect for teenagers and young adults. (Check Price On Amazon)
Are you looking for a perfect gift for girls and ladies who love skateboarding? The Punisher Cherry Blossom will surely capture every woman's heart because of its beautiful design and quality built that will last forever. (Check Price On Amazon)
The MINORITY Maple Skateboard is suitable for all riders, whether you're a novice or a seasoned rider. If you're an advanced rider, you can show your skills for responsiveness and accuracy using this skateboard. (Check Price On Amazon)
Product Reviews for the Best Skateboards
RIMABLE Complete 22-inch Skateboard
Are you looking for a skateboard that isn't too expensive yet high-quality? Of course, you want a skateboard that could hold your weight so you can enjoy a smooth ride and do your tricks. Walk so fast and go to large campus and parks cruising and riding this skateboard.
This skateboard is made of three inches aluminum trucks that are top-notch in quality, with a maximum weight capacity of 198 pounds. It is a great value because you choose from a wide variety of designs and colors, perfect for teenagers and young adults. This Rimable Plastic Cruiser arrives as fully assembled, with 3 inches high-quality thick aluminum trucks. The deck measures 22 inches long and 6 inches wide.
You can choose from a wide variety of designs and colors, such as blue and red, green and black, orange and clear black, Galaxy design, and the Tuya New, perfect for teenagers and young adults. The maximum weight capacity of this skateboard is 198 pounds or 90 kilograms.
Skateboards are popular among teenagers and even young adults, which influence street culture, clothing styles, and music. This fashion accessory and favorite hobby are seen in parks and university campuses, which are also perfect transportation, replacing walking or bicycling.
Rimable wants to help more people by offering affordable skateboard so many can try this sport. Even as young as a 5-year old child can push and ride using this skateboard for 30 minutes. It is durable and lightweight with nice fat tires, so crashes are avoided due to tiny rocks.
The RIMABLE Complete Skateboard is durable as evidenced by its PU wheels, smooth bearing, and thick deck made of 100% fresh material. It won't rust because of its aluminum material. This skateboard is suitable for beginners, and children and adults can play and use it.
You'll have your fair share of spills, falls, and trip-ups on it, but in the end, your RIMABLE Complete Skateboard is just as reliable as when you first purchased it. It has a short length, so its stability becomes challenging to control when you're riding really fast, most especially down steep hills, so amateurs should be extra careful.
What I like the most in this skateboard is you can ride your RIMABLE Complete Skateboard every day because it is fast and smooth. It is smooth over bumps and even riding off curbs. Also, I like the size and mobility are recommended for beginners without problems handling the weight.
If you're looking for a skateboard to satisfy you or your child's interest in skateboarding without breaking your bank, I highly recommend the RIMABLE Complete Skateboard is your board. With the RIMABLE Complete Skateboard, expect no rust because it's made of aluminum.
I'm loving my new skateboard. It is my best buddy and my friends are amazed by the design. Now I can do more tricks confidently using this skateboard. It glides smoothly so I can make the smoothest cruise ever.
- Longest and smoothest cruise
- Riding like gliding through hot pancakes
- Great colors and design
- High bounce
#2. Punisher Skateboards 9001 Cherry Blossom Complete Skateboard
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Are you looking for a perfect gift for girls and ladies who love skateboarding? The Punisher Cherry Blossom will surely capture every woman's heart because of its beautiful design and quality built that will last forever.
The Punisher Cherry Blossom measures 31 x 7.5 x 6 inches and weighs 6 pounds. It is a great value because it offers a top-quality riding experience at an affordable cost of ownership. It comes with an intricate printed design on a hard and durable Canadian Maple with the highest quality parts available.
This skateboard is recommended for aspiring skateboard rider ages 8 years old and above. Each Punisher Cherry Blossom Skateboard comes fully assembled. It also comes with printed skateboard riser pads and cushions.
The Cherry Blossom is a concave deck and high-quality skateboard for both novice and advanced riders. Because of the unique deck, the shape provides support and strength for more than 200 pounds rider.
This skateboard has a double kick and dual concave board design to ensure your feet have the best position and maximum control for stunts and tricks. Also, it features a heavy-duty 5 inches Punisher trucks that are painted metallic red with black truck-bases for a cool design.
It includes Punisher ABEC-7 high-speed bearings and 54 x 36 millimeter PU Wheels (White Ivory) with full-color Cherry Blossom graphics. These features greatly contribute to the skateboard's superior performance so you can do your stunts and tricks with confidence.
The black heavy-duty 80AB grip tape is glued to ensure that your feet have good traction on the deck, providing you with the maximum control while you're skating. Expect that each Punisher Skateboard meets the strictest quality control, making sure that the grip tape has evenly adhered.
The Punisher Cherry Blossom has a cute design that is perfect for girls and ladies. It's a very sturdy skateboard with vibrant colors, enticing a comfortable riding experience. That's why it's a perfect gift for your daughter or sister who loves skateboarding.
While the design is pop and sweet, the deck appears to be solidly constructed. However, the trucks are stiff which need a little bit of loosening. Other than that, this board is a great value because it is well built and beautifully designed.
The Punisher Skateboards 9001 Cherry Blossom is a complete skateboard that is made from 7-ply Canadian maple. This feature can benefit the buyer because it is well-made and intricately designed for the ultimate riding experience. The deck is slightly concave in shape for superior control when turning, doing tricks, and riding.
What I like the most in this skateboard is that it boasts its 5-inch alloy bases and trucks and ABEC-7 High-speed wheel bearings. Also, this skateboard complies with the HR4040 & EN13613 standards, so it's high-quality as I expected, optimizing my superior skateboarding performance.
- No assembly required
- Durable and well-made
- Great design for girls and ladies
- Tight trucks
#3. MINORITY 32inch Maple Skateboard
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The MINORITY Maple Skateboard is suitable for all riders, whether you're a novice or a seasoned rider. If you're an advanced rider, you can show your skills for responsiveness and accuracy using this skateboard.
The MINORITY Maple Skateboard has excellent components forged by top-quality materials. It is a masterpiece that underwent skateboard engineering. It has a symmetrical shape offering spacious kick tail and nose. It measures 32 x 8 x 4 inches and weighs 5 pounds.
Be impressed with the elaboration on arts of the MINORITY Maple Skateboard, wherein fresh ideas are collected from different designers of various cultures. Expect that the bottom graphics durable will never fade.
Aspiring riders can use this skateboard for practicing basic skills. You will appreciate the durable aluminum trucks that won't rust for grinding. Achieve added maneuverability using this skateboard with the medium concave.
When it comes to the materials, the MINORITY Maple Skateboard is made from sustainable woods, with methanol-free epoxy glue, and collected offcut for recycle. This feature can benefit the buyer because it makes a healthy board that will definitely bring more joy to you and your loved ones.
Enjoy the comfortable deck in every ride because the deck is cold pressed. It is made of 7-ply maple and adhered by epoxy glue. It is shock-absorbent and flexible with a maximum weight capacity of up to 220 pounds.
If you're looking for a skateboard that is easy to maneuver while giving you a good and balanced stance every time, choose MINORITY Maple Skateboard. It is durable with a great design and rust-free components, so expect to use this skateboard for many years to come.
The MINORITY Maple Skateboard is a classic, versatile, and smart skateboard. It has two 5 inches solid trucks equipped with aluminum alloy, kingpin, chrome steel axle, and rust-free hardware. Take advantage of a stable ride with the ABEC-9 bearings and 32-millimeter 102A high-rebound PU wheels, so you can reach the highest speed within three power paddle.
I can't really say anything negative about this skateboard. While the trucks are very loose, I did a quick adjustment and I have no problems because of its high-quality. The bearings rolled just fine from the beginning after I break them in. Just one push and I get a good coast.
- Well-made
- Rust-free hardware
- Easy to maneuver
- Loose trucks
#4. KPC Pro Skateboard Complete
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The KPC Pro Skateboard Complete is not your ordinary skateboard. It is very durable and comes in different designs for all types of skateboarders. While it is recommended for professionals, it is also a nice skateboard for beginners.
The KPC Pro Skateboard Complete is made of Canadian maple with black aluminum trucks and black grip tape. The deck measures 7.75 inches with white 52-millimeter wheels. Overall, this skateboard measure 8.0 x 32 inches. It is a great value because it is perfect for professional skateboarders.
You can choose from a wide variety of colors with the same quality as a Rookie skateboard. Check the awesome color combinations to suit your needs and preferences. It's a perfect gift for your loved ones who want to enjoy skateboarding.
The KPC Pro Skateboard Complete is built up and ready to ride because it comes assembled, like all Krown skateboards. It arrives assembled straight out the box for a hassle-free and convenient skateboarding experience.
The KPC Pro Skateboard Complete includes heavy duty Aluminum 5.0 trucks, so expect no rust formation with regular use. The 99A urethane wheels measure 52 millimeters with a high-rebound so you can do your tricks smoothly. Enjoy the precision speed provided by Abec 7 bearings, 80 grit black grip tape, and high-tensile head mounting hardware.
With KPC Pro Skateboard Complete, each component proudly meets the global industry standards, so it is a common choice of pro skaters worldwide. You'll have lots of fun riding the KPC Pro and do your tricks for hours. You'll feel how smoothly the KPC Pro wheels roll every time. Many people used to pay extra for this type of wheels.
Coast faster than ever with minor wheel adjustments, and your neighbor won't even notice you when you shot out of the driveway. The KPC Pro Skateboard Complete will flow several feet in the air, bouncing, and will come to rest over 20 feet away without visible damage.
The KPC Pro Skateboard Complete is a nice skateboard suitable for children, teenagers, and young adults. A natural born athlete will be amazed and happy with this skateboard. While you may need to loosen the wheels a little bit, rolling and gliding are a lot easier. However, there's no big deal with the quality it has.
Stronger and wider than the rookies, this skateboard model has the perfect size for a professional rider like me who are looking for an upgrade from rookie models. This professional skateboard features a modern concave for comfortable and easier tricks.
What I like the most in the KPC Pro Skateboard Complete is that it is well-made and aesthetically appealing due to great design graphics. The deck is sturdy which is also recommended for beginners. It rides pretty well with high quality. The sturdy deck feature can benefit the buyer because the trucks and wheels are easy to adjust.
- Cool designs and colors
- Well-made
- Doing tricks and gliding easily and smoothly
- Don't roll fast
#5. SkaterTrainer 2.0
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When practicing challenging foot movements, you need your skateboard to be in its optimum condition. A stabilized skateboard can help improve confidence, speeding up your progress. When you already have built your muscle memory for landing and executing your skateboard tricks correctly, you can start to increase movement on the skateboard.
It is a great value because the SkaterTrainer is a skateboard accessory used for almost any type of skateboard wheels. It allows you to enjoy skateboarding with ease and confidence, improving muscle memory and performance. It's a great gift for aspiring skateboard athletes or anyone who wants to master the tricks faster. It is also recommended for older skaters who are looking to learn their old moves.
The SkaterTrainer is made in the United States. It measures 2.0 5.5 x 5 x 1.6 inches. You will receive one set of four trainers and stickers, popping on your skateboard wheels and go. Each pack is shipped with one set of four skater trainers, skateboard sticker, and instructions.
This skateboarding accessories stop your skateboard wheels from rolling. It works in almost any type of skateboard wheels, ranging from 49 to 65 millimeter in diameter. This feature can benefit the buyer because experimenting with tricks or working on balance is a lot easier.
You can practice skateboard tricks anywhere, like in your garage, driveway, and even inside the house. Start learning the best skateboarding tricks with SkaterTrainer and progress with your skateboarding journey as you learn the best.
Just stretch this skateboard accessory over the wheels of your skateboard deck. Get ready to ramp up your kickflip, Ollie, and switch tricks anywhere. Also, get ready to skate shoes and wear out your grip tape. It doesn't need any adjustment at all because of its universal fit.
Just pop the trainers around your skateboard wheels, to stop the skateboard from slipping while you're learning balance and practicing your tricks. It works better as compared to using grass or crack. It is engineered to fit all types of skateboard wheels that are lightweight and durable, weighing less than 3 ounces perfect for thousands of uses.
What I like the most in this SkaterTrainer is that it solves the biggest problem that new skaters always face, unstoppable wheels. This skateboard accessory can also be used in all the majors, such as bones, mini logo, spitfires, and penny skateboard wheels. It also fits my smaller longboard wheels.
Yes, it is now possible to stop the skateboard wheels from rolling with the SkaterTrainer while you're trying to figure out the steps. Whether I want a better Ollie or perfect your Kickflip, I simply grab my four-pack of SkaterTrainer, favorite skateboard, and my knee pads and helmet, and go out.
- Easy to use
- Promotes safety and skateboard stability
- Learn skateboard tricks faster and easier
- Seem to increase noise
Buying Guide When Shopping Skateboard
Skateboarding is a fun and thrilling sport, but it can be dangerous if you don't take it seriously. For this reason, it's crucial to choose one of the best skateboards for beginners to help you face the challenges of the sport while you discover your riding style.
How do you choose a safe, durable, and reliable skateboard without breaking your bank? Continue reading this great in-depth guide when choosing the best skateboard for beginners to find out more.
How to Choose the Best Skateboard for Beginners?
Choose the Right Deck
The deck of a skateboard is the most important part you have to consider when choosing one. Decks provide maximum body support, grip, and a smooth ride.
Here are some tips when choosing the right deck:
- Plastic skateboards are the best for beginners. Such type of material will help you in your learning process. As you enhance your knowledge and skills with time, you would need a slimmer board because it has a better surface grip and more convenient to use.
- The average width of skateboard decks is eight inches, but there are also other varieties. A wider deck provides a better balance than slimmer decks but performing skateboard tricks is quite restricted.
Decks come in different materials, including carbon, fiberglass, and wood. While plastic decks are cheaper, you have to consider the quality if you want something that you can use for a longer time and enhance your skateboarding performance.
Choose the Right Size of the Deck
As contrary to the popular belief, the deck's width is more important than the length, ranging between 7.5 to 8.25 inches. The ideal width of your deck depends on your skating style, height, shoe size, and personal liking.
Here are the four sizes of the best skateboard for beginners in the market:
- Full-Size Deck: It measures 7.5 inches or higher, which is best for all skaters aged 13 years and above with height taller than 5 feet 3 inches, and a 9 and above shoe size.
- Mid-Size Deck: It measures 7.3 inches, suitable for skaters aged 9 to 12 years old, who are between 4 feet 5 inches and 5 feet 2 inches tall with 7 to 8 shoe size.
- Mini Size Deck: This deck size measures 7.0 inches, which is recommended for skaters aged 6 to 8 years old, who are 3 feet 5 inches and 4 feet 4 inches tall, and with a shoe size of 4 to 6.
- Micro Size Deck: It measures 6.5 to 6.75 inches, suitable for skaters aged 5 years old and below, under 3 feet inches tall with 3 or smaller shoe size.
Check the Skateboard Bearings
You need awesome skateboard bearings so you can start rolling out. Skateboarders have significantly increased their speed with the introduction of ceramic balls. You need these little balls found inside the wheels so that the metal found outside can roll around the hinge smoothly without causing any metal damage.
Bearings are measured by an ABEC rating and each bearing class has a corresponding ranking. The rule of thumb is the higher the ABEC rating (1, 3, 5, 7, and 9), the higher the bearing quality when it comes to accuracy and precision. Keep in mind that the ABEC rating doesn't identify load handling competence, quality of materials, noise, vibration, Rockwell harness, ball precision, and even lubricant.
ABEC 5 is generally the best choice of recreational skateboarders, giving you fast speed at an affordable price. The ABEC 7 rating is fast and smooth but a bit costly, while the ABEC 9 is the highest rating for extremely fast bearings, suitable for speed navigation and for downhill skating.
How to Care and Maintain Skateboards?
As a skater, it's important to take good care and maintain your skateboard. Don't just chuck it in a corner, or leave it outside because harsh elements, like sunlight, dew, and raccoons can damage it. Avoid warped decks, gumming up of bearings, softening of the wood, and raccoons riding on your skateboard by following these skateboard care and maintenance tips:
Don't Leave Your Skateboard Outside
Never leave your skateboards outside because it can get wet, damaged, and even stolen. Keep them indoors, in a dry and cool place to avoid moisture buildup. Moisture is the number one culprit of wood decks and moisture can also accumulate in your skateboard bearings, affecting its performance.
In an arid place, dirt and dust can get onto your skateboard, and get into your bearings, too. Avoid leaving your skateboard under the sun because it will heat the black grip tape and the metal components, causing slight expansion and contraction as it gets cooler and faster wear and tears.
Take Care of Your Skateboard Bearings
The most precision piece of a skateboard is the bearings, so gummed up bearings will definitely ruin your ride.
Take Care of Your Skateboard Deck
As you use your skateboard, the skateboard tail will begin to wear thin. The edge of your skateboard deck will chip as you bail or crash, or just loosen your skateboard and shoot across the street. The trail and nose are vulnerable to chipping.
To manage bad chips, you can sand down splintered wood and round off any sharp edges. Don't allow your tail to get so thin because it can hurt like a blade and may also cause board fracture. Clip any tears or rips in the grip tape so they don't get bigger!
Replace Parts As Needed
Your skateboard will eventually wear out as you skate, and it is inevitable. A beautiful and shiny skateboard will eventually wear through frequent use. That's the destiny of a skateboard. But as you enhance your skills, everything is worth it.
You probably spent a lot of time choosing the best skateboard for beginners, and now you're facing issues. The components of your skateboard wear down as you ride it. You may notice your deck getting stress fractures or flat stops. Also, you probably have slammed your skateboard into the sidewalk so many times and ripped half the nose off. That's why it's important to replace damaged parts of your skateboard as needed.
How to Use or Ride a Skateboard Safely?
As a skateboard rider, you have to take safety precautions while you're doing your stunts and tricks, like any other sports. You don't want to get bruises, wounds, and fractures, because of missing this important aspect of skateboarding. Check the following skateboard safety tips for your reference:
Always Wear Helmet
Wearing a helmet shouldn't be an option, most especially among children. Every aspiring or seasoned skater should wear a helmet regardless of age and level of expertise. Also, wearing wrist guards, elbow pads, and knee pads is a good idea for everyone, most especially for beginners. Protect your teeth from damage or breakage by wearing mouth guards too.
Make sure to choose a helmet that fits and you should know how to wear it correctly. Teach your child how to put it on. It must sit on top of your head in a level position. It shouldn't rock side to side, forward, or backward. The helmet straps should be buckled, but make sure they're not too tight.
Teach Your Children Skateboarding Safety Tips
Children aged 5 years old and below should not be allowed to ride a skateboard, according to the American Academy of Pediatrics or AAP. While this guideline might appear overly protective, a child's judgment and balance are not fully developed yet, increasing the risk for injury.
Here are some tips when buying a skateboard for children:
- Buy a skateboard that truly fits your child for easier learning and your child's safety.
- Limit skateboarding to areas set aside in parks or bike paths. Children should only ride on a smooth and dry surface in a well-lit area that is away from traffic.
- Keep the streets in off-limits to avoid motor vehicle collisions.
- Teach your children how to reduce the impact of a fall. For instance, crouching down can help when they lose balance, reducing the distance traveled to the surface.
- Teaching your kids how to check skateboards for common problems before each use is a good idea. Remind them that if there are any loose, broken, or cracked parts, the skateboard shouldn't be used until it has been repaired.
- Make sure that your children have the right skateboard gear.
Always Practice Safe Skateboarding
Practice your jumps and tricks in a controlled environment, like a skateboard park or anywhere you have easy access to medical care. Always screen the area or location where you'll be riding holes, bumps, holes, glass, rocks, or other debris. Also, don't ever hold on any moving vehicle while you're riding a skateboard.
Here are the other safe skateboarding practices:
- Skateboard only on smooth pavement or areas away from traffic to avoid motor vehicle collisions or accidents.
- Don't ride on the street.
- Never attempt to ride on a skateboard with another person.
- Keep your concentration on what you're doing by not using headphones while skateboarding.
- Always keep your skateboard in its best condition by giving it a safety check before you ride.
- Don't skate in crowds. Be considerate to others if you skate on sidewalks.
- In case of emergency, don't panic. Contact 9-1-1 for emergency medical assistance.
Overall, the best skateboard is RIMABLE Complete 22-inch Skateboard that could hold your weight while you enjoy a smooth ride and perform your tricks. You can walk so fast and go to a large campus and parks cruising and riding this skateboard. It is durable and won't rust because of its aluminum material. This skateboard is suitable for beginners, and children and adults can play and use it.


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During field research, experts and survivors of rape and sexual assault told us of the inhuman and unlawful acts of some police officers when they were asked to register a complaint for rape. We felt the need to draw up a list of things that a police officer must never say, do or allow.
* Refuse to file a First Information Report (FIR).
* Question the survivor's character.
* Ask for a bribe to file the FIR.
* Discourage the survivor from filing an FIR on grounds of societal stigma and loss of honor.
* Insist on a medical examination to 'prove' rape before filing the FIR.
* Detain the survivor or make her wait for long hours before filing the FIR.
* Make the survivor narrate the incident in front of multiple members of the police station.
*This list is, by no means, an exhaustive one.


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Useful Information
Prof. Shen is currently starting a new research group on fundamental stem cell biology at REMEDI. Previously, he has derived new ES cell lines from C57BL/6JCrl mice, and demonstrated that expression of a mutant RARβ was able to promote stemness in mouse ES cells and alter lineage differentiation (Chatzi et al, 2010). His group also developed a technology to differentiate mouse ES cells into homogenous GABAergic neurons, which are deficient in a wide range of neurological conditions such as Huntington's disease, brain and spinal cord injuries, seizure, stroke, pain, schizophrenia, anxiety and other mood disorders (Chatzi et al, 2009).
His team at Galway is making iPS cells from patients of various neurological conditions including schizophrenia, autism, Parkinson's diseases, velo-cardio-facial syndrome, amyotrophic lateral sclerosis, glaucoma and cardiomyopathy in collaboration with clinicians from Ireland, Scotland and China. They are also interesting in developing artificial chromosome technology and neuronal differentiation protocols, examining disease phenotype on dish and exploring cell transplantation therapy in animal models.


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On May 25, 1978, the Third National Bank of Hampden County (bank) filed this action in the Springfield District Court against the Continental Insurance Company (Continental). The bank, alleging that Continental had failed to pay it $3,988.82 (representing proceeds of an insurance policy on a lost automobile in which the bank held a perfected security interest), sought to recover that amount on the theories of negligence and conversion. Continental brought a thirdparty action against Gerald F. Parker & Son, Inc. (Parker), and R.J. Saex Insurance Agency, Inc. (Saex), claiming that, if Continental was liable to the bank, Parker and Saex were liable to Continental. After a judge of the District Court found for Continental, Parker, and Saex, the bank claimed a report to the Appellate Division of the District Court, Western District.
On July 7, 1981, the Appellate Division dismissed the report, concluding that the trial judge had been correct in finding that the funds paid by Continental to the named insured (Parker), as a result of its claim for damage to the motor vehicle, were not "proceeds" within the meaning of G. L. c. 106, Section 9-306 (1), as in effect at the time payment was made. See now G. L. c. 106, Section 9-306, as amended by St. 1979, c. 512, Section 7. The bank appealed to this court from the dismissal of its report by the Appellate Division. We dismiss the appeal.
When this action was commenced, G. L. c. 231, Section 104, as appearing in St. 1975, c. 377, Section 104, provided (in pertinent part) that claims for damages which do not exceed $4,000 shall be commenced in a District Court. In both counts of its complaint, the bank sought to recover only $3,988.82, plus interest at the rate of eight percent from November 21, 1975. Since interest is not considered in determining the statutory measure of the amount of damages claimed, the statute required that the bank's action be tried, in the first instance, in a District Court. Eastman Kodak Co. v. Clerk of the Third Dist. Court of E. Middlesex, 372 Mass. 232 , 237-238 (1977).
General Laws c. 231, Section 104, provided further that a party who would have been entitled to a trial in the Superior Court if his claim had exceeded $4,000, could, if he desired, file a claim for trial in that court within ten days after he received notice of the District Court's decision or finding.
Page 1002
Neither party filed such a claim in this case. The bank, however, requested a report to the Appellate Division, as was its right. Lubell v. First Nat'l Stores, Inc., 342 Mass. 161 (1961). After receiving notice of the decision and order of the Appellate Division, the bank had yet another opportunity to request a trial in the Superior Court. See Fusco v. Springfield Republican Co., 367 Mass. 904 , 906 (1975). The bank did not avail itself of that opportunity, attempting instead to appeal directly to this court. It was not entitled to bring its case here before proceeding to trial in the Superior Court. Id. Orasz v. Colonial Tavern, Inc., 365 Mass. 131 , 139 (1974).
The bringing of a premature appeal by the bank did not in any way prevent the operation of the law limiting its right to remove the case to the Superior Court to a period of ten days after it received notice of the decision of the Appellate Division. The bank has, therefore, lost its right to trial in the Superior Court. Orasz v. Colonial Tavern, Inc., supra at 139-140.
Appeal dismissed.
[Note Star] See opinion on rehearing, 388 Mass. 240 (1983). -- REPORTER.


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Online SchedulingEstablished Patient
Call 505.727.4500
Women's Health Centers of Excellence
Office Location
10511 Golf Course Rd NW
Albuquerque, NM 87114
About Sharon Ransom, MD
Sharon Ransom, MD, FACOG, is a board-certified OB/GYN with over 20 years' experience. She received her Doctor of Medicine degree from Michigan State University and completed her residency at E.W. Sparrow Hospital in Lansing, MI. She is a member of the American College of Obstetrics and Gynecology, the American Medical Association, the American Society of Reproductive Medicine, the American Urogynecologic Society and many more. Her clinical interests include pelvic floor disorders, gynecologic cancer, and infertility.


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Fourth of July Boat Parade!
As everyone is gearing up for the Fourth of July, SandbridgeLife.com just wanted to remind you of the annual Sandbridge community boat parade. The parade will begin around 6pm and start at Mill Pond. Year after year, this event has been a success with increased attendance and unbelievable enthusiasm.Continue reading


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In honor of National Reading Month, Vista IT Group held a book drive to benefit a local elementary school in our community. In a matter of just a few short weeks, the Vista family was able to collect more than 30 books to donate to the school's library. "It is so rewarding to give back to our local community. Especially when kids are involved, everyone steps up to the plate." said Melissa Scheidel, book drive coordinator, "It's just great to know we are supporting a school that might not receive new books otherwise."
Vista employees are active in many charitable activities. Over the past year we have volunteered at Kid's Food Basket several times, hosted a Toys for Tots drive, and participated in several philanthropic activities to support our local community.


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Go Figure
Someone help me out here.
For me, a major component of fly fishing is clear water. My first outing in the spring of 2017 was to the lakes southeast of Flagstaff or, as some people say, Flag.
I was very excited for this trip because I used the Coconino NF map to locate lakes like Ashurst, Kinnicknick, Long, Soldier and a slew of smaller lakes. I planned a week long trip, which ended after one night and no wet lines. My first stop was Long Lake. As a friend, whom I met on this forum said, these lakes look like a herd of cattle walked through them. Kinnicknick, Ashurst, and Soldier were the same. Boy, what a disappointment.
Here is the "help me here" and "go figure" part.
Next to Kinnicknick Lake are two smaller lakes. Morton and Cow. Water in these lakes is perfect for me for fly fishing - clear. Now, someone tell me why these lakes don't have fish. That's the go figure part, clear water, not fish, muddy water, fish.
Ashurst used to be clear and was my dads favorite lake in Arizona. Then a bucket biologist decided Northern pike would be a good idea. The state decided to treat the lake with rotenone to kill off the fish and someone decide to use a herbiced to kill the weeds too. No weeds, no clear water. Another brilliant idea was to put crawdads in there. I guess it has fished ok for the past couple of years, but still isnt what it was
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Asset based lenders lend against the value of their collateral – at least they are supposed to. Thus, when making a loan the lender needs to consider what it will cost to recover on its collateral in order to set a reasonable advance rate. Each type of collateral has its own issues in recovering. Account debtors protest in paying someone other than the debtor. Landlords deny access to inventory and equipment until the rent is paid. Even then, equipment has additional issues. For example, we once represented a lender who wanted to take back a huge printing press that required the removal of exterior wall to a building. We succeeded in obtaining a court order authorizing the demolition and replacement of the wall but the cost and time affected the lender's recovery on its collateral.
Rolling stock has its own types of issues. The 1984 film Repo Man made the repossession of rolling stock entertaining but it is far from fun – even when you have a set of keys.
UCC 9-609 of the UCC provides:
(a) Possession; rendering equipment unusable; disposition on debtor's premises. After default, a secured party: (1) may take possession of the collateral; and (2) without removal, may render equipment unusable and dispose of collateral on a debtor's premises under Section 9-610.
(b) Judicial and non-judicial process. A secured party may proceed under subsection (a): (1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace. (emphasis added).
(c) Assembly of collateral. If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties.
A recent decision from the United States District Court for the District of Maryland highlights how easy it is for a debtor to make out a claim for breach of the peace in a non-judicial repossession of collateral. The plaintiffs (the debtor) purchased a dump truck financed by the lender and a dispute arose concerning payments. When the lender's "repo man" showed up with a tow truck, the debtor protested loudly and called the police who directed the debtor to allow the repossession. The debtor then brought an action against the lender claiming that the repossession was in violation of UCC § 9-609 because it involved a breach of the peace.
The Court held:
Plaintiff alleges that he "objected loudly" to the repossession and claimed that Defendant "did not have the right" to repossess the truck…. Plaintiff further alleges that this disagreement "intensified" to the point that the police were called. …… Therefore, Plaintiff plausibly alleges that Defendant violated § 9-609(b).
The lender's motion to dismiss the action was denied and even if the lender will ultimately recover its collateral, the cost to do so has gone through the roof.
The Maryland case addressed complications from recovering collateral without judicial process. A few weeks earlier the United States District Court for the District of New Mexico addressed a judicial process to recover collateral – commonly referred to as replevin. That case was brought ex parte – meaning that the debtor did not appear in the case. Even so, a court will review the facts and determine whether the lender is entitled to repossess its collateral even upon the debtor's default in responding to the claim.
Replevin was an original common-law remedy, however most states have since authorized a suit for replevin by statute. The New Mexico statute provides:
Any person having a right to the immediate possession of any goods or chattels, wrongfully taken or wrongfully detained, may bring an action of replevin for the recovery thereof and for damages sustained by reason of the unjust caption or detention thereof… A replevin suit has two possible components: physical recovery of the collateral, and pursuit of damages for wrongful taking… . In order to obtain a pre-judgment writ of replevin, an affidavit must be filed [according to the statute] "stating: A. that the plaintiff is lawfully entitled to the possession of the property mentioned in the complaint; B. that the same was wrongfully taken or wrongfully detained by the defendant; C. that the plaintiff has reason to believe that the defendant may conceal, dispose of, or waste the property or the revenues therefrom or remove the property from the jurisdiction, during the pendency of the action; D. that the right of action accrued within one year; and E. specific facts, from which it clearly appears that the above allegations are justified"
The magistrate judge hearing the dispute broke out and applied the facts to each of the required elements that needed to be proven and went on to recommend to the District Court that it:
authorize the issuance of a writ of replevin for recovery of the collateral described in the complaint and supporting documents
But that successful ruling was not the end of the story. Inasmuch as replevin is an equitable remedy, it typically comes with the requirement for the posting of a bond – just in case the debtor ultimately appeals and disproves what the court had granted. In this case, the bond was to be in an amount "double the value of the collateral as described in the complaint and supporting documents"
These costs are often anticipated and even mitigated by obtaining landlord waivers. The loan agreement should include a provision where the borrower grants the lender and its agents a license to enter the debtor's premises (even to break locks) to repossess the collateral, which entry is specifically agreed not to be a breach of the peace.
The lesson is that it costs – and sometimes dearly – to recover on collateral and that cost needs to be factored into the amount a lender is advancing based upon the value of the collateral. As we say time and time again: plan your divorce before you get married -be sure your loan agreements adequately provide for your recovery in the event things do not go as hoped when you made the loan.
Darren Trucking Company v. PACCAR Financial Corp., USDC Maryland, August 20, 2019, 2019 WL 3945103
Commercial Credit Group Inc. v. Protégé Excavation, Inc. USDC New Mexico, August 5, 2019 2019 WL 3973848.


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HAPPY…HEALTHY AND HOME! MINESTRONE was found with his housemates in an apartment after their owner died. They were there at least 2 weeks without food or water, and some were in cages. Minestrone was very dehydrated and underweight. Thankfully, he was pulled by Feline Rescue of Staten Island and is now thriving in his furever home!
View all entries in: NB for Cats 2018-05


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Stål Timber was asked to help create a unique look for the new Austin area showroom of Allied Stone with a steel and wood display shelf system modeled after classic library shelving. Complete with a foot rail and rolling library ladder to access samples at the top of the 8-foot tall shelving unit. We then designed large steel and wood collaboration tables; where sales people, interior designers, and their clients could work with the stone samples.
After completion of the projects, Stål Timber created several more pieces for the showroom, including framework that would be wrapped in stone for the conference table and spectacular reception desk, cocktail and accent tables, display racks, a fireplace mantel, bench, and wood veneers for the overhead ceiling beams.


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Laphroaig 10 Year Old & Old Pulteney 12 Year Old
SKU: Laphroaig10YearOldOldPulteney12YearOld5bfdbbc2f33930512
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Laphroaig 10 Year Old.
1 Litre / 43% Vol: Level into neck
Old Pulteney 12 Year Old.
70cl / 40% Vol: Level into neck
2 Bottles.
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