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Ponzi losses - Madoff case - the IRS has provided guidance for claimin the theft loss fo losses fom Ponzi schemes. (Rev. Rul. 2009-9; Rev. Proc. 2009-20) -
I have been giving guidance on the Ponzi losses. One of the ways to make sure that you can take the loss is to not sue for recovery. That fact fixes the loss and eliminates "recovery potential."
The IRS has issued guidance addressing the tax treatment of losses criminally fraudulent investment arrangements in the form of "Ponzi" schemes. The guidance provides that investors in such schemes will be entitled to claim a theft loss under Code Sec. 165, rather than a capital loss, because the perpetrators of such fraudulent schemes actually deprive investors of money by criminal acts. The loss is deductible under Code Sec. 165(c)(2) as a loss on a transaction entered into for profit, and it is not subject to the personal loss limitations under Code Sec. 165(h), or the limits on itemized deductions under Code Secs. 67 and 68.
Rev. Rul. 2009-9
The theft loss is deductible in the year it is discovered, provided that it is not covered by a claim for reimbursement, or other recovery as to which the investor has a reasonable prospect of recovery. To the extent that an investor's deduction is reduced by such a claim, recoveries in later tax years are not includible in the investor's income. However, if the investor recovers a greater amount in a later year, or an amount that initially was not covered by a claim to which there was a reasonable prospect of recovery, the recovery is includible in the investor's gross income in the later tax year, to the extent that the initial deduction reduced the investor's tax liability.
The amount of the theft loss deduction includes the amount invested in the scheme, less any amounts withdrawn, reimbursements, and claims as to which there is a reasonable prospect of recovery. The deductible amount also includes any fictitious income that was reported to the investor in years prior to the discovery of the theft that was included in the investor's gross income, and reinvested in the scheme.
To the extent an investor's theft loss deduction creates or increases a net operating loss in the year the loss is deducted, the investor may carry back up to three years and forward up to 20 years the portion of the net operating loss attributable to the theft loss. If the loss is an applicable 2008 net operating loss, an eligible small business can elect either a three-, four-, or five-year net operating loss carryback under Code Sec. 172(b)(1)(H).
The theft loss deduction does not qualify for the alternative computation of tax under Code Sec. 1341 for the restoration of an amount held under a claim of right because the deduction does not arise from the investor's obligation to restore income. Further, the theft loss does not qualify for the application of the mitigation provisions under Code Secs. 1311 through 1314 to adjust tax liability in years that are otherwise barred by the period of limitations from filing a claim for refund under Code Sec. 6511.
The theft loss deduction for losses on an investment in a Ponzi scheme is not taken into account in determining whether a transaction is a loss transaction for which there would be a disclosure obligation under Reg. §1.6011-4.
Rev. Proc. 2009-20
The IRS has provided a safe harbor for taxpayers to enable them to deduct losses from fraudulent investment schemes as theft losses. The new procedure also provides guidance for taxpayers choosing not to use the safe harbor, but who plan to deduct investment fraud losses under the theft loss provisions of Code Sec. 165. The procedure applies to investment fraud losses discovered in tax years after 2007.
Background. Since Ponzi schemes produce no real gains, when a large number of investors try to withdraw funds at the same time (e.g., when the economy takes a downturn), the Ponzi scheme falls apart because there is not enough new money being paid in by new investors to cover the withdrawals of existing investors. Taxpayers may not be aware of a fraudulent investment loss during the year in which the loss occurred, and it may be difficult for taxpayers to prove how much income reported from the fraudulent arrangement in prior years was in fact fictitious. The safe harbor is intended to help cheated investors gain some relief by providing a relatively straightforward method to calculate and deduct losses from investment fraud.
Requirements. Taxpayers can rely on the safe harbor to deduct losses from fraudulent investment schemes as theft losses only if certain requirements and circumstances are satisfied:
Specified fraudulent arrangement. The loss must be from a "specified fraudulent arrangement," which generally is a Ponzi scheme that takes cash or other assets from investors, purports to earn income for investors, reports fictitious income, makes any payments from funds contributed by other investors and not from bona fide earnings, and appropriates investors' cash or other assets.
Qualified loss. The loss must be a "qualified loss" resulting from a specified fraudulent arrangement of which the "lead figure" in charge of the scheme was charged under state or federal law with committing fraud, embezzlement, or other similar crime, that, if proven, would meet the definition of theft under Code Sec. 165; or the lead figure was the subject of a state or federal criminal complaint for fraud, embezzlement, or other similar crime, and either he admitted guilt, or the assets held by the fraudulent arrangement were frozen or placed under the authority of a receiver or trustee.
Qualified investor. The taxpayer must be a "qualified investor," in that he or she must be generally qualified to deduct theft losses under Code Sec. 165 and Reg. §1.165-8, did not have actual knowledge that the arrangement was fraudulent before it was publicly disclosed, and invested cash or other assets in the arrangement.
Investment through intermediary. A taxpayer is not considered to be a qualified investor if he or she did not invest directly in the specified fraudulent arrangement but, instead, invested through an intermediary investment fund or advisor. Thus, investors who unknowingly invest in a Ponzi scheme, such as the Madoff investment fund, through an intermediary fund or investment advisor are not covered by the safe harbor. However, the intermediary investment fund may itself qualify to claim the loss deduction under the safe harbor.
Amount of deduction. Up to 95% of qualified losses from a specified fraudulent arrangement, calculated through detailed definitions and formulas, may be deducted by a qualified investor as a theft loss. However, the amount of deductible losses cannot take into account any funds that were borrowed from the fraudulent arrangement or any of its principals or agents and invested in the arrangement, investment fees paid and deducted, amounts the fraudulent arrangement reported as income but that the qualified investor did not include in his gross income, funds that were not invested directly but, rather, were invested through an intermediary investment fund or advisor, any amount paid to the taxpayer for reimbursement or recovery, and other amounts paid or payable through insurance, the Securities Investor Protection Corporation (SIPC), and other similar potential claims or recovery payments.
Statement required. To take advantage of the safe harbor, the taxpayer must complete the statement provided as "Appendix A" to Rev. Proc. 2009-20 and file it with the tax return, amended return or claim for refund. The statement requires the taxpayer to provide specified information and computations. The taxpayer must also comply with all conditions set forth in the statement and in Rev. Proc. 2009-20, including that:
(1) The taxpayer will not deduct any amount of the theft loss in excess of the amount permitted by Rev. Proc. 2009-20.
(2) The taxpayer will not file returns or amended returns to exclude or recharacterize income from the fraudulent arrangement for previous tax years.
(3) The taxpayer will not later apply the alternative computation under Code Sec. 1341 regarding the theft loss deduction.
(4) The taxpayer will not apply the doctrine of equitable recoupment or mitigation provisions to income from the fraudulent arrangement reported in prior tax years, which would otherwise be subject to the time limits for filing refund claims under Code Sec. 6511.
Other tax treatment. Taxpayers electing not to use the safe harbor must satisfy the requirements of Code Sec. 165 in order to deduct investment fraud losses as theft losses. If the taxpayer can establish the amount of income reported and included in gross income for tax years for which the statute of limitations on refunds has expired, the IRS will not challenge the inclusion of that amount in basis for purposes of calculating the theft loss.
Shulman Comments
"The Madoff case is tragic," IRS Commissioner Douglas Shulman told reporters in a telephone press conference. "The victims are devastated." The case also "raises a staggering array of issues for the victims," Shulman noted. "We've worked hard to provide a straightforward approach" to these issues. The new guidance "assist[s] taxpayers who are victims of losses from Ponzi-type investment schemes; the guidance is not specific to the Madoff case," he indicated. The guidance allows taxpayers to deduct the principal amount of their investment and the earnings they have reported but left in the scheme (thus addressing phantom income), Shulman explained.
"The revenue ruling is important because determining the amount and timing of losses from these schemes is factually difficult and dependent on the prospect of recovering the lost money (which may not become known for several years)," Shulman said in his testimony to Congress. "The revenue procedure simplifies compliance for taxpayers (and administration for the IRS) by providing a [uniform approach for] determining the year in which the loss is deemed to occur and a simplified means of computing the amount of the loss," Shulman testified. It also avoids difficult problems of proving how much income reported from the scheme was fictitious, and how much was real, he stated.
Lawrence Hill, a partner with Dewey LeBoeuf in New York, told CCH that "the commissioner's guidance reduces a tremendous amount of the uncertainty and confusion surrounding the reporting of theft losses on taxpayers' 2008 returns. It will significantly reduce the cost of tax compliance for taxpayers and, in the long run, save enormous resources for the IRS."
Hill pointed out that "Perhaps most significantly, Rev. Rul. 2009-9 indicates, as Issue 5, that an individual is a "sole proprietorship," so that the individual, as long as he or she does not have gross revenues in 2008 of $15,000,000 or more, may elect the five-year carryback that was provided in the Stimulus Act for "small businesses", rather than only the three-year carryback that individuals would normally have. This could significantly mitigate the losses of many of the investors."
IRS officials elaborated on the guidance in comments to reporters:
- Investors suing Madoff are in the 95 percent category for claiming losses; investors suing third parties are in the 75 percent category.
- Taxpayers who recognized phantom income as capital gains would still be entitled to a deduction, regardless of the manner in which the initial income was reported.
- Taxpayers using the safe harbor in Rev. Proc. 2009-20 cannot go back to prior-year returns to remove phantom income. The entire loss must be claimed in the year of discovery.
- If a taxpayer has filed an amended return and was to use the safe harbor, he or she must refile for the year of the loss and file Appendix A to identify the amended returns.
- Investors that participated in a Ponzi scheme through a "feeder fund" cannot use the safe harbor directly. The fund can use the safe harbor to determine its total losses. If the fund is a partnership, it will report a share of the losses to each investor on Schedule K-1.
- Investors who do not use the safe harbor may claim a loss under the "standard rules," applied on a case-by-case basis. These rules are less clear than the safe harbor.
The officials would not comment when the year of discovery occurred (for claiming the loss) for Madoff investors or for any other scheme. They said it depends on the particular facts and that they had not examined these issues.
Rev. Rul. 71-381, 1971-2 CB 126, is obsoleted in part.
Rev. Proc. 2009-20
March 18, 2009
Code Sec. 165
Losses : Investment fraud : Ponzi scheme : Theft losses .
Part III Administrative, Procedural, and Miscellaneous
26 CFR 601.105 Examination of returns and claims for refund, credit or abatement; determination of correct tax liability.
(Also Part I, §§ 165 ; 1.165-8(c))
Rev. Proc. 2009-20
This revenue procedure provides an optional safe harbor treatment for taxpayers that experienced losses in certain investment arrangements discovered to be criminally fraudulent. This revenue procedure also describes how the Internal Revenue Service will treat a return that claims a deduction for such a loss and does not use the safe harbor treatment described in this revenue procedure.
.01 The Service and Treasury Department are aware of investment arrangements that have been discovered to be fraudulent, resulting in significant losses to taxpayers. These arrangements often take the form of so-called "Ponzi" schemes, in which the party perpetrating the fraud receives cash or property from investors, purports to earn income for the investors, and reports to the investors income amounts that are wholly or partially fictitious. Payments, if any, of purported income or principal to investors are made from cash or property that other investors invested in the fraudulent arrangement. The party perpetrating the fraud criminally appropriates some or all of the investors' cash or property.
.02 Rev. Rul. 2009-9 , 2009 I.R.B (April 6, 2009), describes the proper income tax treatment for losses resulting from these Ponzi schemes.
.03 The Service and Treasury Department recognize that whether and when investors meet the requirements for claiming a theft loss for an investment in a Ponzi scheme are highly factual determinations that often cannot be made by taxpayers with certainty in the year the loss is discovered.
.04 In view of the number of investment arrangements recently discovered to be fraudulent and the extent of the potential losses, this revenue procedure provides an optional safe harbor under which qualified investors (as defined in § 4.03 of this revenue procedure) may treat a loss as a theft loss deduction when certain conditions are met. This treatment provides qualified investors with a uniform manner for determining their theft losses. In addition, this treatment avoids potentially difficult problems of proof in determining how much income reported in prior years was fictitious or a return of capital, and alleviates compliance and administrative burdens on both taxpayers and the Service.
The safe harbor procedures of this revenue procedure apply to taxpayers that are qualified investors within the meaning of section 4.03 of this revenue procedure.
The following definitions apply solely for purposes of this revenue procedure.
.01 Specified fraudulent arrangement . A specified fraudulent arrangement is an arrangement in which a party (the lead figure) receives cash or property from investors; purports to earn income for the investors; reports income amounts to the investors that are partially or wholly fictitious; makes payments, if any, of purported income or principal to some investors from amounts that other investors invested in the fraudulent arrangement; and appropriates some or all of the investors' cash or property. For example, the fraudulent investment arrangement described in Rev. Rul. 2009-9 is a specified fraudulent arrangement.
.02 Qualified loss . A qualified loss is a loss resulting from a specified fraudulent arrangement in which, as a result of the conduct that caused the loss --
(1) The lead figure (or one of the lead figures, if more than one) was charged by indictment or information (not withdrawn or dismissed) under state or federal law with the commission of fraud, embezzlement or a similar crime that, if proven, would meet the definition of theft for purposes of § 165 of the Internal Revenue Code and § 1.165-8(d) of the Income Tax Regulations, under the law of the jurisdiction in which the theft occurred; or
(2) The lead figure was the subject of a state or federal criminal complaint (not withdrawn or dismissed) alleging the commission of a crime described in section 4.02(1) of this revenue procedure, and either -
(a) The complaint alleged an admission by the lead figure, or the execution of an affidavit by that person admitting the crime; or
(b) A receiver or trustee was appointed with respect to the arrangement or assets of the arrangement were frozen.
.03 Qualified investor . A qualified investor means a United States person, as defined in § 7701(a)(30) --
(1) That generally qualifies to deduct theft losses under § 165 and § 1.165-8 ;
(2) That did not have actual knowledge of the fraudulent nature of the investment arrangement prior to it becoming known to the general public;
(3) With respect to which the specified fraudulent arrangement is not a tax shelter, as defined in § 6662(d)(2)(C)(ii) ; and
(4) That transferred cash or property to a specified fraudulent arrangement. A qualified investor does not include a person that invested solely in a fund or other entity (separate from the investor for federal income tax purposes) that invested in the specified fraudulent arrangement. However, the fund or entity itself may be a qualified investor within the scope of this revenue procedure.
.04 Discovery year . A qualified investor's discovery year is the taxable year of the investor in which the indictment, information, or complaint described in section 4.02 of this revenue procedure is filed.
.05 Responsible group . Responsible group means, for any specified fraudulent arrangement, one or more of the following:
(1) The individual or individuals (including the lead figure) who conducted the specified fraudulent arrangement;
(2) Any investment vehicle or other entity that conducted the specified fraudulent arrangement, and employees, officers, or directors of that entity or entities;
(3) A liquidation, receivership, bankruptcy or similar estate established with respect to individuals or entities who conducted the specified fraudulent arrangement, in order to recover assets for the benefit of investors and creditors; or
(4) Parties that are subject to claims brought by a trustee, receiver, or other fiduciary on behalf of the liquidation, receivership, bankruptcy or similar estate described in section 4.05(3) of this revenue procedure.
.06 Qualified investment .
(1) Qualified investment means the excess, if any, of --
(a) The sum of --
(i) The total amount of cash, or the basis of property, that the qualified investor invested in the arrangement in all years; plus
(ii) The total amount of net income with respect to the specified fraudulent arrangement that, consistent with information received from the specified fraudulent arrangement, the qualified investor included in income for federal tax purposes for all taxable years prior to the discovery year, including taxable years for which a refund is barred by the statute of limitations; over
(b) The total amount of cash or property that the qualified investor withdrew in all years from the specified fraudulent arrangement (whether designated as income or principal).
(2) Qualified investment does not include any of the following --
(a) Amounts borrowed from the responsible group and invested in the specified fraudulent arrangement, to the extent the borrowed amounts were not repaid at the time the theft was discovered;
(b) Amounts such as fees that were paid to the responsible group and deducted for federal income tax purposes;
(c) Amounts reported to the qualified investor as taxable income that were not included in gross income on the investor's federal income tax returns; or
(d) Cash or property that the qualified investor invested in a fund or other entity (separate from the qualified investor for federal income tax purposes) that invested in a specified fraudulent arrangement.
.07 Actual recovery . Actual recovery means any amount a qualified investor actually receives in the discovery year from any source as reimbursement or recovery for the qualified loss.
.08 Potential insurance/SIPC recovery . Potential insurance/SIPC recovery means the sum of the amounts of all actual or potential claims for reimbursement for a qualified loss that, as of the last day of the discovery year, are attributable to --
(1) Insurance policies in the name of the qualified investor;
(2) Contractual arrangements other than insurance that guaranteed or otherwise protected against loss of the qualified investment; or
(3) Amounts payable from the Securities Investor Protection Corporation (SIPC), as advances for customer claims under 15 U.S.C. § 78f ff-3(a) (the Securities Investor Protection Act of 1970 ), or by a similar entity under a similar provision.
.09 Potential direct recovery . Potential direct recovery means the amount of all actual or potential claims for recovery for a qualified loss, as of the last day of the discovery year, against the responsible group.
.10 Potential third-party recovery . Potential third-party recovery means the amount of all actual or potential claims for recovery for a qualified loss, as of the last day of the discovery year, that are not described in section 4.08 or 4.09 of this revenue procedure.
.01 In general . If a qualified investor follows the procedures described in section 6 of this revenue procedure, the Service will not challenge the following treatment by the qualified investor of a qualified loss --
(1) The loss is deducted as a theft loss;
(2) The taxable year in which the theft was discovered within the meaning of § 165(e) is the discovery year described in section 4.04 of this revenue procedure; and
(3) The amount of the deduction is the amount specified in section 5.02 of this revenue procedure.
.02 Amount to be deducted . The amount specified in this section 5.02 is calculated as follows --
(1) Multiply the amount of the qualified investment by --
(a) 95 percent, for a qualified investor that does not pursue any potential third-party recovery; or
(b) 75 percent, for a qualified investor that is pursuing or intends to pursue any potential third-party recovery; and
(2) Subtract from this product the sum of any actual recovery and any potential insurance/SIPC recovery.
The amount of the deduction calculated under this section 5.02 is not further reduced by potential direct recovery or potential third-party recovery.
.03 Future recoveries . The qualified investor may have income or an additional deduction in a year subsequent to the discovery year depending on the actual amount of the loss that is eventually recovered. See § 1.165-1(d) ; Rev. Rul. 2009-9 .
.01 A qualified investor that uses the safe harbor treatment described in section 5 of this revenue procedure must -
(1) Mark "Revenue Procedure 2009-20 " at the top of the Form 4684, Casualties and Thefts, for the federal income tax return for the discovery year. The taxpayer must enter the "deductible theft loss" amount from line 10 in Part II of Appendix A of this revenue procedure on line 34, section B, Part I, of the Form 4684 and should not complete the remainder of section B, Part I, of the Form 4684;
(2) Complete and sign the statement provided in Appendix A of this revenue procedure; and
(3) Attach the executed statement provided in Appendix A of this revenue procedure to the qualified investor's timely filed (including extensions) federal income tax return for the discovery year. Notwithstanding the preceding sentence, if, before April 17, 2009, the taxpayer has filed a return for the discovery year or an amended return for a prior year that is inconsistent with the safe harbor treatment provided by this revenue procedure, the taxpayer must indicate this fact on the executed statement and must attach the statement to the return (or amended return) for the discovery year that is consistent with the safe harbor treatment provided by this revenue procedure and that is filed on or before May 15, 2009.
.02 By executing the statement provided in Appendix A of this revenue procedure, the taxpayer agrees --
(1) Not to deduct in the discovery year any amount of the theft loss in excess of the deduction permitted by section 5 of this revenue procedure;
(2) Not to file returns or amended returns to exclude or recharacterize income reported with respect to the investment arrangement in taxable years preceding the discovery year;
(3) Not to apply the alternative computation in § 1341 with respect to the theft loss deduction allowed by this revenue procedure; and
(4) Not to apply the doctrine of equitable recoupment or the mitigation provisions in §§ 1311 -1314 with respect to income from the investment arrangement that was reported in taxable years that are otherwise barred by the period of limitations on filing a claim for refund under § 6511 .
This revenue procedure applies to losses for which the discovery year is a taxable year beginning after December 31, 2007.
.01 A taxpayer that chooses not to apply the safe harbor treatment provided by this revenue procedure to a claimed theft loss is subject to all of the generally applicable provisions governing the deductibility of losses under § 165 . For example, a taxpayer seeking a theft loss deduction must establish that the loss was from theft and that the theft was discovered in the year the taxpayer claims the deduction. The taxpayer must also establish, through sufficient documentation, the amount of the claimed loss and must establish that no claim for reimbursement of any portion of the loss exists with respect to which there is a reasonable prospect of recovery in the taxable year in which the taxpayer claims the loss.
.02 A taxpayer that chooses not to apply the safe harbor treatment of this revenue procedure to a claimed theft loss and that files or amends federal income tax returns for years prior to the discovery year to exclude amounts reported as income to the taxpayer from the investment arrangement must establish that the amounts sought to be excluded in fact were not income that was actually or constructively received by the taxpayer (or accrued by the taxpayer, in the case of a taxpayer using an accrual method of accounting). However, provided a taxpayer can establish the amount of net income from the investment arrangement that was reported and included in the taxpayer's gross income consistent with information received from the specified fraudulent arrangement in taxable years for which the period of limitation on filing a claim for refund under § 6511 has expired, the Service will not challenge the taxpayer's inclusion of that amount in basis for determining the amount of any allowable theft loss, whether or not the income was genuine.
.03 Returns claiming theft loss deductions from fraudulent investment arrangements are subject to examination by the Service.
The collection of information contained in this revenue procedure has been reviewed and approved by the Office of Management and Budget in accordance with the Paperwork Reduction Act (44 U.S.C. 3507) under control number 1545-0074. Please refer to the Paperwork Reduction Act statement accompanying Form 1040, U.S. Individual Income Tax Return, for further information.
The principal author of this revenue procedure is Norma Rotunno of the Office of Associate Chief Counsel (Income Tax & Accounting). For further information regarding this revenue procedure, contact Ms. Rotunno at (202) 622-7900.
Statement by Taxpayer Using the Procedures in Rev. Proc. 2009-20 to Determine a Theft Loss Deduction Related to a Fraudulent Investment Arrangement
Part 1. Identification
1. Name of Taxpayer ...
2. Taxpayer Identification Number ...
Part II. Computation of deduction
(See Rev. Proc. 2009-20 for the definitions of the terms used in this worksheet.)
Line Computation of Deductible Theft Loss Pursuant to Rev. Proc. 2009-20
1 Initial investment
2 Plus: Subsequent investments
3 Plus: Income reported in prior years
4 Less: Withdrawals ( )
5 Total qualified investment (combine lines 1 through 4)
6 Percentage of qualified investment (95% of line 5 for
investors with no potential third-party recovery; 75% of
line 5 for investors with potential third-party recovery)
7 Actual recovery
8 Potential insurance/SIPC recovery
9 Total recoveries (add lines 7 and 8) ( )
10 Deductible theft loss (line 6 minus line 9)
Part III. Required statements and declarations
1. I am claiming a theft loss deduction pursuant to Rev. Proc. 2009-20 from a specified fraudulent arrangement conducted by the following individual or entity (provide the name, address, and taxpayer identification number (if known)).
2 I have written documentation to support the amounts reported in Part II of this document.
3. I am a qualified investor as defined in § 4.03 of Rev. Proc. 2009-20 .
4. If I have determined the amount of my theft loss deduction under § 5.02(1)(a) of Rev. Proc. 2009-20 , I declare that I have not pursued and do not intend to pursue any potential third-party recovery, as that term is defined in § 4.10 of Rev. Proc. 2009-20 .
5. If I have already filed a return or amended return that does not satisfy the conditions in § 6.02 of Rev. Proc 2009-20 , I agree to all adjustments or actions that are necessary to comply with those conditions. The tax year or years for which I filed the return(s) or amended return(s) and the date(s) on which they were filed are as follows: ... ... ... ...
Part IV. Signature
I make the following agreements and declarations:
1. I agree to comply with the conditions and agreements set forth in Rev. Proc. 2009-20 and this document.
2. Under penalties of perjury, I declare that the information provided in Parts I-III of this document is, to the best of my knowledge and belief, true, correct and complete.
Your signature here ... Date signed: ...
Your spouse's signature here ... Date signed: ...
Corporate Name ...
Corporate Officer's signature ...
Title ...
Date signed ...
Entity Name ...
S-corporation, Partnership, Limited Liability Company, Trust
Entity Officer's signature ...
Date signed ...
Signature of executor ...
Date signed ...


text: DJ Green Lantern comes with his third and final installment of Invasion Countdown to Armageddon. Has exclusives from Eminem, Stat Quo, Young Buck & Xzibit, LIl Flip and more. With all the exclusives you gotta check this one. 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 Curtis Mayfield – We All Die Intro DJ Green Lantern Intro Eminem – Freestyle Dr. Dre Introducing Stat Quo Part 1 Lloyd Banks – Freestyle Young Buck & Xzibit – Your Hood D12 – 6 In The Morning Fat Joe – Freestyle DJ Green Lantern Ft. Wyclef & Sheek Louch – Red Dot N.O.R.E. & Nature – Freestyle Lloyd Banks – 2004 Warm Up Redman & Icarus – Tapdance Mr. Porter Ft. Lil Flip', The Game & Young Zee – Stunt 187 Dr. Dre Introducing Stat Quo Part 2 Sheek Louch – OT Hustlin' Lil' Flip & Cassidy – Straight Riderz Stat Quo – Problems Jae Mills & Kelly – Who Run It Grafh – Get Shot Boy J Hood – Freestyle Joe Beast & Hi-Tek – Nuthin' Aseem Outro Roc-A-Fella Kon the Louis Vuitton Don Nice collection of tracks produced or appearances by raps new big thing. Kanye West. The intro with jay-z is an interviewer asking him about Kanye is pretty good 1minute long. DJ Clue Presents…. Thee American Idol Exclusives from Game, G-Unit, Busta, Mobb Deep, Camron, and more. Along with freestyles from Jadakiss, Fabolous, Styles P, Joe Budden, Cassidy, Sheek, Jae Hood, Beanie and Stack Bundles. DJ Whoo Kid G Unit All Eyez On Us (G-Unit Radio Pt. 5 ) Another installment of G-Unit radio from DJ Whoo Kid. This one has four tracks with G-Units newest signee GAME. This mixtape also features 2 cuts from Eminem. Big Mike Whats Beef 2K4 Big Mike follows the Source vs Eminem as it proceeds to another level. First track has The Source Eminem racial accusations. Than the following track has Eminem's diss to The Source & Benzino.

subset: commoncrawl


text:
On Thursday we got an email that children of RSMAS personnel would be able to attend an event on Saturday called Ocean Kids on UM's Main Campus. Brad had been planning to take Garrett to the car show, since he had been asking for a date with Daddy. But we could NOT pass this up--it was right up our familial alley and something we knew Garrett would love. It was geared for children 5-12 years old, but of course Garrett had a blast. I'm a little jealous to have missed out on all the fun!
Awesome, awesome lessons . . . Garrett was in the mix during all of them and had a great deal to say, of course.
Just like daddy when you tell him to say CHEESE!
Bubbles are fun!
Touch tank
Frame craft
Water and oil mixing
Crude oil demo = totally awesome. Chocolate syrup + veg oil in water, then the kids got to stick feathers in to see how it sticks to everything.
Mangrove experiement - kids got to add sand to water to see how it would wash away, then stick in mangrove propagules to show how the mangroves keep the sand from eroding. AWESOME!
This one was to demonstrate the importance of sharks in the ecosystem. Some of the kids got to be sharks and some were fish (the fish wore red hats). The sharks were then caught in fishing nets or finned as the area they were in was reduced, demonstrating that without the sharks around, there are too many fish. Great, great job with basic but important scientific concept.
Simulated marine mammal rescue:
Fossil dig
The got to dissect a squid and write with its ink.
Coral talk, then modeling corals with playdough. Yeah, Garrett didn't get the modeling concept so much, but he still had fun!
Be still my heart--microscopy! Zooplankton, but we'll forgive them for that. They got to draw what they saw, but slacker daddy didn't save the pictures!! (But didn't he do a great job taking pictures of everything? So we'll forgive him.)
All in all, an absolutely awesome experience for the little guy! Thanks FINSEA and Dr. Richardson!


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1 Answer
Numerous ways, you can just Google how to drift and find a guide. But basically, to start a drift, you have to get your rear tires loose. The easiest way to do this is by either powering over (throttling excessively while turning, inducing oversteer) or by pulling the e-brake. After you get the rear tires loose, you have to keep them loose by throttling and countersteering. If you countersteer too much, your car will straighten out, and you don't want that. In a perfect drift, the nose of your car is always pointed towards the apex of a turn, so aim for that, and countersteer and throttle accordingly. As you get better, you can practice techniques such as clutch kicking, inertia drifting, dirt boosting, etc. Also, if you want to drift, I suggest you learn how to heel-toe downshift.
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2016-Onging Women's Empowerment and Microfinance in the Asia Pacific (WEMAP) A successful ASSA funded workshop was held in November 2017 interrogating the usefulness and success of microfinance interventions for women in the Asia Pacific. Further research is planned for 2018.
2016-Ongoing Monash Arts and Engineering Research Affinity Project: Introducing techology in developing country contexts: Timor-Leste (publication forthcoming).
2015-Onging Timor-Leste Studies Association: Convenor of Gender panels of Conference 2015 and 2017. Also the effects of culture in the Australian Department of Foreign Affairs in the Maritime Boundary Dispute in the Timor Sea http://profiles.arts.monash.edu.au/sara-niner/crocodiles-in-the-timor-sea/
2015-2016 Oxfam-Monash Partnership: Gender Analysis of Oxfam Savings and Loans Groups in Timor-Leste (publications below).
2014-Onging Masculinity and links to gender inequality in Timor-Leste: Exploratory and continuing research into how masculinity and gender norms are linked to inequality and violence against women and associated programs of prevention (see website and publications forthcoming).
2013-2014 Rethinking Violence against Women: The Political Economy of Women's Rights in Transnational and Comparative Perspective Cross-institutional and inter-disciplinary team of scholars from Warwick and Monash Universities proposing innovative study violence against women internationally to extend and bring new perspectives surrounding women's rights, gender and political economy (publications below and forthcoming).
2013 Perceptions of gender and masculinities of youth in Timor-Leste Baseline Study– Joint Communication Campaign for the Prevention of Gender Based Violence (JCC) Timor-Leste (funded by Spanish Agency for International Cooperation and Development -AECID). As Senior Researcher I designed methodology and research instruments to capture the attitudes of young Timorese men towards gender norms and masculinity in pre-intervention surveys and Focus Group Discussions employing the Gender Equitable Men (GEM) Scale. Data collected in rural Timor by National University in Timor-Leste partners was analysed and Final Report submitted (publications below and forthcoming).
2011-2012 Research Fellow—Monash University: collaboration on consecutive research projects including two with a particular gender focus in the Asia-Pacific: motherhood and emotional health amongst ethnic minority Karen women from Burma (with Associate Professor Renata Kokanovic) and media representations of child abuse and motherhood in contemporary Malaysia (with Professor Denise Cuthbert) (publications below).
2010 Endeavour Research Fellowship—Australian Department of Education (DEEWR): research undertaken into customary exchange and gender relations in post-conflict Timor-Leste under the auspices of the National Directorate of Culture (Timor-Leste Government) (publications below).
2007—2009 Post-doctoral Fellow—Monash University, School of Political and Social Inquiry, Anthropology Department: the research program concerned women and development interventions in Timor-Leste and measured the potential for women's empowerment through various livelihood projects targeted at women craft producers. Outcomes were the East Timor Textiles Exhibition, Forum and Market (2008) funded by Monash University, City of Port Phillip, the Alola Foundation and the International Women's Development Findings were formally presented in Timor-Leste at the Women for Peace International Conference (2009) (publications below).
2007 Research Assistant—Nautilus Institute at RMIT: 'Australian Security Forces Abroad in Timor-Leste Project' with Professor Richard Tanter. Preliminary research and setting up reporting relationship with local in-country NGO.
2006 Convener and Presenter—University of Melbourne, School of GES: 'Exploring the Tensions of Nation Building in Timor-Leste Forum'. This forum was convened to seek the deeper issues and challenges faced by Timor-Leste after the national crisis of 2006. (Publication below)
1998-1999 Latrobe University: PhD study including field research undertaken in Indonesia, Portugal and Australia. I was awarded the top-ranked scholarship application prize in the Politics Department and granted an Australia Commonwealth Postgraduate Research Award.
2014-Onging Lecturer Level B— Monash University | School of Social Sciences Anthropology Program–School of Social Sciences:
- ATS2378 The Anthropology of International Development
- ATS2625 Mobile Worlds: Borders, Displacement and Belonging
- ATS1255 Encountering Cultures: Introduction to Anthropology (co-teaching)
- ATS4375 Honors Research Seminar (Guest Lecturer)
- APG5045 Gender and Development (Guest Lecturer)
- 2011-2013 Monash University | School of Political and Social Inquiry
- Teaching Associate and Seminar Leader: ATS2573: The Anthropology of International Development' Anthropology Program (2013).
- Guest Lecturer: 'Gender and Development' for both the Masters in International Development and the Masters of International Crisis Management.
2010-2012 Lecturer—Victoria University Annual guest lectures presented on the topic of 'Women and Gender in Timor-Leste' for the specialist subject 'Timor-Leste: Politics, History and Society').
2007 Lecturer—Deakin University: Masters of International Development Program, School of International Politics: 'Gender and Development' and 'Participatory Approaches to Development'
International Development Consultancy
2013 Develop a strategic plan and gender curriculum with the new Gender Studies Research Centre—Sentro Estudo Jeneru (SEJ)— at the National University of Timor-Leste (UNTL) funded by UN Women.
2012 Research and co-write United Nations Department of Political Affairs Briefing Report: 'Women's Political Participation in Asia and the Pacific' for the Social Science Research Council Conflict Prevention and Peace Forum with Professor Jacqui True.
2009 Provide full research report on the situation of 'Gender and Society in Timor Leste'. International development agency, Science Application International Corporation (SAIC) required a general overview of gender roles and relations for use by their consultants in the field.
2008 Capacity Building Project with Timor-Leste Government (managed by Sinclair, Knight, Mertz and funded by AusAid).
2006 -2007 Providing input into national Ministry of Health study in Timor-Leste with the Australian International Health Institute, University of Melbourne (funded by AusAid).
2001 Research, collection and curation of materials in collaboration with the Alola Foundation for 'Weaving Women's Stories' Timorese Textiles Exhibition, at the Melbourne International Arts Festival Exhibition (funded by the Harold Mitchell Foundation).
2003 Key Messages Writer— Ministry of Finance and Planning, Timor-Leste Government (RDTL) Poverty Assessment Project (funded by UNDP):
2000—2001 International Advisor in Xanana Gusmao's Presidential Office of the National Timorese Council (funded by United Nations Development Program, East Timor).
2000 Conference Organiser—conference planning and management of the 'National Development Planning Conference' in collaboration with the National Timorese Council (funded by the Australian Volunteers International Program, East Timor).
1999 Conference Committee Member—'Strategic Development Planning for East Timor' Conference: assisting in planning and organizing the historic conference in conjunction with the National Timorese Council and Victoria University.


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< return to Search Listings
6915 Floyd Way
6915 Floyd Way
Nice, CA 95464
6915 Floyd Way
Nice, CA 95464
Nice, CA 95464
offered at $85,000
- 2 beds
- 1.00 baths
- 800 sq.ft.
- Year Built: 1967
Property Features
- Property Type: Residential
- Property Status: Active
- Community: Nice
- County: Lake
- Bedrooms: 2
- Full Bathrooms: 1
Building and Construction
- Levels or Stories: 1
- Roofing: Flat,Foam
- Interior Features: Laminate Counters, Unfurnished
Garage and Parking
- Parking Spaces Total: 3
- Number of Garage Spaces: 1
Heating and Cooling
- Heating Features: None
Pool and Spa
- Pool Description: None
Based on information from California Regional Multiple Listing Service, Inc. as of February 16, 2018. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.< return to Search Listings


text:
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Cedar Park, TX 78613
Wonderful 3 bed 2.5 bath homefeatures a great open floor plan with 2 living areas and plenty of natural lighting. Kitchen boasts a tile back splash and tons of cabinet space. Hardwood and Tile flooring throughout home.Bedrooms are very spacious.Huge master suite is complete with double vanities, garden tub, and separate shower. Outside you will find a lovely backyard great for entertaining. Located minutes away from schools, restaurants, shopping, and much more. Come see this amazing home today!
Sijo Vadakkan with Trinity Texas Realty INC
2018 Perry Henderson. All rights reserved. © Collaborative Home Search by RealSavvy
Based on information from the Austin Board of REALTORS® for the period through [see date below]. All listing information is deemed reliable but is not guaranteed and should be independently verified. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing


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Here is the picture that I told you about below. I just LOVE it...What do you think? There are more pictures after that long post...so don't forget to check them out. Thanks for reading!
Posted by Picasa
Monday, March 20, 2006
Posted by The Blakes at Monday, March 20, 2006
1 comments:
- BungerFamily said...
Nice picture. I wish mom was reading this, the computer of yours that she was using was not working out so they had to drop the Internet. I am working on geting them a brand new computer, so for now I print out the blog for her or she reads it when she comes up to see Braden. We sent Jude some more clothes, hopefully you will be getting them soon. By the time they get there, he may outgrow them...They are mostly 6mos and up, I think to 9 mos so hopefully this will hold him for a while. Everyone is good here, mom finally re-tiled her kitchen. Braden is doing good - 18 1/2lbs good. He is pulling himself up and standing pretty good on his own. We are all just working and getting along...Hope all is well there...Write when you can!


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Liam is now ten months old! WHA--??? How did that even happen? He is growing up oh so fast and I am just so shocked with how fast time is going.
10 Months:
1. Almost walking. He knows how because he has walked before but he chooses not to. Although he will walk in the grass. So we will walk around the yard and he will just hold my finger and walk
2. He loves food! Any and all food. And he will shove food in his mouth even if he isn't done gumming the first mouthful.
3. His bottom teeth have popped up! And we are still waiting on the top teeth, one of his top teeth has started to poke thru but it's still going to be a little bit before it comes in.
4. Bath Time has resumed being fun for him. There was a little bit when he was six months and he would freak out every time he got in the bath tub. But he loves it now, he enjoys splashing in the water and playing with his toys. And he absolutely LOVES when I put bubbles in it and he gets a bubble bath!
5. He loves getting out my pots and pans and banging on them with a wooden spoon. I might have a little drummer on my hands. He also loves to sit on my lap and play the piano!
6. His babbling is starting to sound more like talking. Jon went into his room the other day and said, "hi little boy" and Liam totally said, "What?" it was adorable. He also knows how to tell me "no" when he is done eating his food.
7. He has gotten a recent fascination with the toilet... and I'm really hoping that this continues so that potty training will be much easier. He loves to pull the lever to flush the toilet. So hopefully when it's time to potty train he'll be ready for it.
He is pretty cute, and I love being a mom. Jon and I got cast in Pirates of Penzance, and rehearsals are pretty late at night and run pretty late so it's hard being away, but my best friend Rachel is an awesome babysitter and comes over and takes care of him. But because Liam is so easy to take care of, he usually goes straight to sleep. He is such a good little boy. I love being a mom more than anything in the world. I know that this is what I was destined to do! And I love it!


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Door. Thursday , December 07th , 2017 - 12:32:49 PM
Composite Doors – Different Types and Varieties: The days of conventional, heavy and difficult to maintain wooden doors are gone. Composite doors are here to stay! These doors are the best option available, if you want a strong door without comprising its good looks. These sturdy yet, classy looking doors are made of aluminum; glass in combination with other materials. Composite doors do not have a set pattern and are available in different designs and style. It is wise to choose a door that suits your purpose and need. These durable yet, affordable doors add special glamour to your home, office or even factory.
People always want that their front entry doors must look attractive so for that steel security doors is a good option for them. These types of doors came in different colors, designs and patterns. These types of doors are light and yet provide better security if installed properly with proper hardware. These types of doors are easy to install and require even less maintenance as compared to hardwood and timber material security doors. These doors are better for the lower heating and cooling bills as these doors are energy efficient doors. These doors are easy to use, functional and reliable. Steel material can be easily molded so that you can easily install the door by jointing the molded steel sections. So, you can make your front doors more energy efficient, secure, attractive, functional, reliable, endurance and easy to use by installing the steel security doors.
Advantages: The composite doors are highly secured as they are having multiple locking systems at certain heights.
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On Saturday, Mark and I took the overnight train to Kyiv and got settled in at the hostel. This hostel is more like a home-away-from-home for me; I know everyone who works there, a Ukrainian friend of mine owns it, and its a really small place with only 10 beds. I always stay there when I'm in Kyiv, and this time was no exception. But a wonderful surprise awaited there; almost all the other guests were Peace Corps Volunteers from my group who were in town for the Eurocup, so it was like a mini reunion with several long lost friends that I hadn't seen in ages! I love running into other PCVs : )
Saturday night we had big plans; there was a Eurocup match between Spain and France that we wanted to watch in the Fan Zone (the main street of Kyiv, Kreschatik, was turned into a pedestrian zone for the Eurocup, complete with beer tents and huge screens where the game was broadcast!). But before then, Mark and I had dinner plans with my friends Graciella and Artem in Independence Square. We went to this really cute Crimean restaurant and sat on the veranda, enjoying the atmosphere and spending a lovely evening hanging out.
But just after dinner, a gypsy woman with crazy face paintings came up to our table, with a huge bag covering the lower part of her face like she was huffing something inside of it. I leaned away from her as she invaded my space, and my friend Artem told her off in Russian. Instead of moving on to the text table to beg (as we assumed she was doing), she took off running and left. I looked down at the table, where my cell phone and wallet had been sitting, and realized that's why she took off running–she'd stolen them! They'd literally been sitting right in front of me, and I didn't connect the dots until she was out of site.
Needless to say, I freaked out. The wallet contained $300, a credit card, my Peace Corps-issued passport (which has my Ukrainian work visa inside), my accreditation card (that says I'm a legal resident of Ukraine) and a key to the room at the hostel. The loss of the passport and the accreditation card were the most upsetting, because those would be hard to replace. I was also devastated at the loss of my cell phone–I had no way to get in touch with anyone without it, and I had no one's number written down! And my sister was flying into Kyiv the next day, and her only way to get in touch with me if anything happened was through my cell phone. I was so upset, but luckily for me, I have some amazing friends.
Graciella flagged down a police man in Independence Square, and Artem (who is Ukrainian) explained the whole situation in Russian. Soon a Jeep full of cops pulled up, and they demanded we come with them to the police station to file a report. Again, I could not have remained calm and composed without Artem's help… the cops didn't speak any English, and conducted the whole affair in Russian. Artem served as translator (my Russian is terrible) and explained what happened to the cops, while I called the Peace Corps Safety Officer and told him what happened. Then I used Graciella's phone to call America and ask my Mom to cancel my stupid credit card. Graciella even offered me the use of her spare cell phone (everyone in Ukraine has at least two cell phones, don't ask me why) so I had a number I could give my sister just in case.
We were at the police station more than 2 hours, and by the time we finished filing the report the Eurocup match was over–France had lost. We ended up just going back to the hostel, I was pretty bummed out. I already realized that if my passport was gone, I couldn't leave the country with Tori for our upcoming Eurotrip… the stress was pretty intense.
Luckily, the next day things really started looking up. I had a breakfast adventure with some of my favorite PCVs, where our objective was finding the fabled New York Bagel place. After a few different metro lines and some exploring, we finally found it! Having a tuna bagel greatly improved my mood, not to mention hanging out with Lee and Janira ; )
But the best part of the day was when I caught a bus out to the airport, and met VICTORIA at the airport! Her flight had gone really smoothly, and our reunion was wonderful. I can't tell you how good it was to see her, and the stress of the last week just melted away as I hugged her and told her what a bad week I was having. Thank God my sisters, I happen to think mine is the best. Plus, she even looks incredible after flying 20+ hours ; )
I took her back to the hostel, where she met my friends and dropped off her stuff. She was pretty tired, but agreed to check out Kyiv that evening with me and Mark. We considered buying scalped tickets to the match between Italy and England, but decided to just watch the game in the Fan Zone. It was definitely the smart thing to do–the game was pretty boring and Tori was falling asleep by the second half ; )
But here, you can see what a wonderful time we were having! This is Tori having her first taste of "kvas," which is kind of like a non-alcoholic beer. Its an Eastern European specialty, and I'm a big fan, and I'm proud to inform you that I got Tori hooked on it too ; )
Tori was finally with me in Ukraine! To hear about our adventures in Kyiv and Tori's first train ride, on our way to Crimea, check out the next blog post ; )


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It's off to work we go! It's that time of the year when most of us are busy trying to get the yards, gardens, or whatever in shape before summer kicks in. If you're anything like me, you might think it all has to be done yesterday or even sooner. Funny how most of us seem to have that same old looped message rolling around somewhere upstairs, "work, work, work". The bane of a civilized (?), industrialized society. Somewhere along the path we've lost the art of relaxation and moderation when there's work to be done. Regression, that's what we need!!! Even if it's just for a short while. The weather terrorists are threatening us with sunshine this Friday so we're looking forward to our first beautiful sunny market day of this season. We're hoping that you'll all regress just a wee bit and come chill with us. Why not moderate your work schedule just a tad and come join us this Friday afternoon at the MGM for a breath of fresh air and an eyeful of color in a festive atmosphere while shopping for good, wholesome food and other products grown and produced by local folks. The vendors are waiting to greet you.
The folks from Yorkholo will be on hand for the season's first appearance of the MGM hot-cart and they'll be serving up some fine grub. There'll be chili dogs made with Hillstone hotdogs and topped with Yokoholo's own house-made chili prepared with Milky Way Farm beef, doesn't get more local than this. They'll also be serving a spinach wrap made with FRESH MOZZARELLA and tomato. The folks from the Market Cafe will taking the week off and will return next week.
Sadly, we'll have no live music this week but here's a little something for your listening pleasure.
As always, the MGM booth will be open with the usual gang of folks and lots of info, shirts, aprons, MGM gift certs, and more. Stop by for a visit and enjoy a free cup of wonderful coffee, high test only. Courtesy of Night and Day Coffee Shop, our very own local shop, just up the street.
Here's a list of the scheduled vendors for the week:
Bernie, from Inn to The Seasons will be on hand with his wonderfully delicious goodies, aged cheeses, lamb, pork, and veal products, baked goods and other specialty items.
Between Two Rivers will have fine maple products including maple cream, sugar, and syrup.
Liz, of Yorkshire Meadows fame, will be with Linda at their usual spot this week. You'll want to check out Liz's delicious homemade jams and curds, and while you're there also check out their artwork and woolen products, all locally grown and produced, of course. You'll want to try one of the large shortbread cookies half dipped in chocolate, but, be careful; they are addictive. The regular fare of scones and cookies will be available as well.
Basically Bagels booth will be selling great bagels, big a** chocolate chip cookies, and more.
Udder Merry Mac will be on hand with his great selection of lettuces, basil, and other great hydro produce. Beautiful, and tasty as well.
This week The Herb Corner will have fresh picked lettuce, spinach and Swiss chard, along with a nice variety of fresh cut herbs. They'll also have scallions. Sounding like a spring salad to me. Grab a loaf of fresh bread from one of the other vendors and you're all set! Diane and Phil will also bring the a nice selection of what they have left in the way of starter veggies, herbs, and flowers. Time to get that stuff in the ground. The weather is going to shift any day now, lots of sun and things will be jumping; get on board before the train leaves the station!
Andy will be there from Spring Meadows Farm with lots of pastured eggs and wild watercress. It's a great spring tonic! Andy will also have a limited amount of asparagus, get there early! Ask him about his meat chickens that will be available at his farm shortly.
Cliff will bring a variety of Running Bear spring greens from his high tunnel, as well as chickens and chicken parts from his first batch of the season. He'll also have lamb products and the first kohlrabi of the season this week.
Always Somethin' Farm will be there with their wonderful goat's milk products.
Shannon and Erin will have breads, cookies, biscotti, fresh salsa (red and green), and more. If you like a good cup cake or cinnamon bun, stop by their booth, say hello and purchase yourself a wonderful treat.
Take a load off. Come to MGM this Friday, share the SUNSHINE and more!
Hope to see you at the MGM located at the Saint James Episcopal Church located in Mansfield, Pa. on Wellsboro Street, one block east of the downtown light. Look for our signs.
David Brown,
MGM Manager


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Los Angeles, CA (PRWEB) April 05, 2011
The Jewish Free Loan Association (JFLA) is thrilled to announce a recent $150,000 grant from The Ralph M. Parsons Foundation to fund two staff part-time staff positions: a mobile loan analyst and a community outreach coordinator. The grant enables JFLA to expand its service by providing in-person loan application interviews at locations throughout Greater Los Angeles county, including Long Beach, Downtown and the North Valley. Starting last month, JFLA staff began seeing clients monthly at the Alpert Jewish Community Center in Long Beach and at MEND (Meeting Each Need with Dignity) in Pacoima. In mid-April, JFLA staff will begin seeing clients at the Small Business Dream Center in downtown. Agency staff will continue to work with other local organizations to secure office space to further expand the program. As the caseloads in those areas grow, JFLA will increase loan application interviews to twice a month or more as needed.
As the economic crisis continues to worsen, JFLA is working tirelessly to meet the demands of its clients. Over the past year, JFLA has experienced a 30% increase in loan requests and client intakes. To meet the increasing number of applicants in the Los Angeles community, JFLA will now offer loan interviews in areas where clients have more difficulty traveling to the Agency's mid-Wilshire or West Hills offices. JFLA is usually a last resort for clients, the only community organization that provides interest-free money for unexpected, emergency situations. Without a small loan, some applicants would find themselves without a car to get to work, unable to afford medical treatment or pay their rent or mortgage. To publicize the expansion of services, JFLA plans to partner with local organizations and attend outreach events and fairs, particularly those aimed at assisting middle income families hurt by the economy as well as the working poor.
Founded in 1961, The Ralph M. Parsons Foundation strives to support and facilitate the work of the region's best nonprofit organizations, recognizing that many of those in need today will go on to shape the future of Southern California, to define it, redefine it, and help it set and achieve new goals. For more information about The Ralph M. Parsons Foundation, please visit http://www.rmpf.org.
The Jewish Free Loan Association is a nonprofit agency offering assistance to people of all faiths facing financial challenges. For over 100 years, JFLA has provided a helping hand instead of a handout to hundreds of thousands of people through interest-free micro-loans for emergencies, education, developing small businesses, healthcare and life cycle events. The assistance JFLA provides is unique, offering cash in hand to promote self-sufficiency and dignity. For more information about the Jewish Free Loan Association, please visit http://www.JFLA.org or call (323)761-8830.


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ERIC Number: ED201608
Record Type: Non-Journal
Publication Date: 1981
Pages: 7
Abstractor: N/A
Reference Count: N/A
Study and Service in China.
Beechy, Atlee; Beechy, Winifred
A description is given of the ten-week Goshen College Study-Service Trimester experiment at Sichuan Teachers College in China. Goshen College emphasizes international education and has a requirement in this area for all of its graduates. The trimester exchange program was developed to promote international education and world peace and prepare persons for active service in the world. As a part of the China-Goshen exchange program, eight teachers of English from Sichuan Province studied at Goshen College for nine months. The ten week field assignment for twenty Goshen students and two faculty members was in the English Language Department of Sichuan College. Pairs of Goshen students spent three hours a day in formal and informal classroom activities with Chinese students. The activities and field trips of the Americans are described, and the impressions the students had of China and their Chinese peers are summarized. (JD)
Descriptors: Behavior Patterns, Cultural Differences, Cultural Exchange, Exchange Programs, Field Trips, Foreign Countries, Higher Education, Humanism, International Programs, Interpersonal Competence, Philosophy, Preservice Teacher Education, Program Evaluation, Religion, Student Attitudes, Student Characteristics, Teacher Education Programs, Values
Publication Type: Reports - Descriptive
Education Level: N/A
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: Goshen Coll., IN.
Identifiers - Location: China


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Epps has an unrelenting eye for showing his audience just what HP (Hunters Point, as its more often called throughout Straight) is all about, interweaving video ranging from gang war shooting scenes to sidewalk Bible-thumping revivals to tire-burning car sideshows to bare-chested thugs blingin' for the camera. He even reaches back into HP's painful past; this troubled area almost seemed cursed from its start as a black dock workers' development that sunk into depression after the nearby Navy shipyard closed post-WWII - the same shipyard that was so polluted it would eventually be declared a Superfund site and would cause high levels of illness in the community.
Continue reading: Straight Outta Hunters Point Review
This year's best dressed stars at the Catholic-themed Met Gala.
Donald Glover aka Childish Gambino has stunned the world with his latest video 'This Is America' which blends comedy and dance with flippant violence.
Harvey Weinstein wanted one movie, and almost sacked Peter Jackson over it.
On the road to promote their much-acclaimed 13th album, which was a place shy of topping the UK charts, Manic Street Preachers showed they are far...
That final battle scene? Yeah, it was a poo-poo. Whatever that means.
Their feud has had the pop world hooked since it began at least four years ago. Music juggernauts, Katy Perry and Taylor Swift, have traded blows...
Slavery is a choice and Trump has dragon energy...
Corgan took to Instagram to confirm rumours of new Pumpkins material, saying the first songs could arrive as early as May.


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Good Evening All!!
I am going on a bike ride tomorrow through the 106th infantry divisions area during the battle of the bulge!! My trip will start in Prum, Germany. I will bike to Schnee-Eifel to Bleialf then to Winterscheid from their to St.Vith, then Le Gleize, then Grand menil to Bastogne, From Bastogne I will sleep in a village called Lultzhausen, in the morning Ill go to Luxemburg and finally back into Germany. Now I know there is a lot to see and do but I would like to focus on these towns and the area of these towns. Does anyone recommend to visit anything specific in the area. Also if you can respond ASAP I would appreciate it because I have one day to finish planning. Thank you!!! - Nick K


text: So my dads buddy has a problem that he wants help with. he keeps getting blisters on the bottom of his feet i guess. i have NO experience with blisters really. im not even sure ive heard much about blisters on the bottom of your feet. he wears cabelas alaskan hunters (meindl). i personally think his boots are a little big on him maybe? only because he went up like a half size in those boots compared to all his other shoes. i went down a half size in those boots compared to normal. well anyhow, any recommended socks or powders or switching the liner to the outside of the main sock or anything. oh and he switched to orange superfeet last year and it didnt help.


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Had a lot of things happening at home this weekend so to try take my mind off things i did these 2 los last night which i was quite pleased with the black lo i handcut the circle from a piece of urban lily mounted it on a piece of paper from the dcwv all dressed up stack added lace blooms and butterflys it was a scraplift from jengas mother lo on uks
the 2nd lo is of my son saying goodbye to a dog we had for a few weeks a take on PL73 used shaped cs to trace round and cut out
Sunday, 16 March 2008
4 comments:
- Mrs_Tiggy said...
Lovely LOs, really like the sisters one and the lace you've used on it. Well done.
- 16 March 2008 at 14:24
- Webcam said...
- This comment has been removed by a blog administrator.
- 16 March 2008 at 21:29
- Jazzy1972 said...
Fab lo's. Yours sisters one really stood out, lots of fab cut work, great picture too. Jay xx
- 20 March 2008 at 11:18
- jo said...
Love the red black and white on this LO - really classy.
- 23 March 2008 at 17:48
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Regular price: $3.95
When Tom gets an eyeful of the new babysitter, he gets really horny. And when she asks him to breed her, he can't stop himself. All characters in this story are older than 18.
WARNING: This story involves masturbation, impregnation, wild sex, and nursing fantasies. For adults only.
What disappointed you about Breeding the New Babysitter?
the whole thing,BADDDDDDDDDDDDDD BAD BAD, will not try anymore of her books ,,too bad for her i love reading ,
What could Jody Darling have done to make this a more enjoyable book for you?
the whole story line
Would you be willing to try another one of Dan Pillsbury's performances?
What reaction did this book spark in you? Anger, sadness, disappointment?
Any additional comments?


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its finally here, the end of 2007. with it brings much reflection of my fledgling business. i have experienced much during this past year. i have learned so much about myself and plan to use that knowledge in 2008. i opened many new wholesale accounts, started my home accessories line and decided to change direction of my other website: www.dianepetkoff.com
it is now going to be more of a "one-of-a-kind" gallery of sorts featuring those whimsical musings that i will occasionally add for sale. it will be my art, my voice and my vision. ever-changing and making unique statements.
we'll just see what unfolds in the upcoming months so stay tuned in and turned on.
happy in the new year
made fresh today at 9:57 AM
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Wednesday, January 9, 2013
That's the Ticket for ValentineFrance Martin January 09, 2013
Hello Friends
Today is a quick share. This card I made at the show box swap this past Saturday. This card was design by Steph. Steph is so good at water coloring....mine is not at good as her but still love this card a lot. I should a take a picture of Steph card but I didn't....The Greeting is from the Spring catalog on page 27 "That's the Ticket", that stamp set is great for many occasion. The mushroom is a hostess set "Happy You" and you don;t have to host a party to have the hostess benefits just gather order of 150 or above and you get the hostess benefits even on online order:) . Color of card stock are Soft Sued and Raspberry Ripple with the DSP pack stack and YES water color paper that make a huge difference when you water color. Tonight I have the Challenge group so time to cut more card stock :) if you are local and if you want to join us for the challenge group call or e-mail I would love to have you join us.
Well this is it for today ....Have a great day
Labels: cards
France Martin
It's me Frenchie with a little french accent living in the United States, that loves to create and share paper crafting. Hope I inspired you to create your own creation with paper. Thank you for stopping by. Come again soon!
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It's me Frenchie with a little accent. I love to share paper crafting. Thank you for your visit.


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I'm a cheap date, and proud of it! Nothing makes me more happier, or turned on, than to know that my boo went out of his way to create something fun, memorable, and CHEAP to do. Love don't cost a thing, so this Valentine's Day, I want to share a couple of tips on how to create a fun, flavorful evening, for $20, or less!
1. Coffee shop date. Who does not like the iconic idea of a coffee shop romance. Pick your favorite coffee shop or pastry shop, and show up in separate vehicles to meet each other to enjoy a cozy table for 2, while you enjoy a specialty coffee drink or danish. One of the most memorable moments I have is my husband waking me up on a Saturday morning with my favorite coffee drink and scone from Starbuck's. He won major brownie points for that 🙂
2. Bookstore poetry corner. I like a book worm! A person interested in books is delightful to be around and looks smart…(so guys, fake it for one night…Lol!). Make a trip with your date to the bookstore, pull a book off the shelf and peruse through it together on a comfortable sofa spot tucked away, while enjoying something from their coffee shop. The next week or so, surprise your love by presenting them with the book you purchased for them. They will be so happy that you remembered them, and that book will stand out as a treasured keepsake.
3. Create a love photo album together. Get your photos out, and use Valentine's Day as a time to get a nice glass of sparkling juice, virgin daiquiri, or drink of your choice, and create an album that shows moments of love you shared that previous year. This will also give you time to talk about what you want to do together in the future this year.
4. Living room picnic. Put the kids to bed early, light the fireplace or some candles, lay a blanket down with a few of your favorite snacks, or a light meal, and enjoy a quiet time together snuggling and conversating. Don't fight the crowd, make your home a sanctuary for the evening…or better yet, take the party to your bedroom and have the picnic there 😉
5. Fix dinner together. Fix each other's favorite dish together in the kitchen, but keep it simple! Or for an added twist, fix a surprise dish ahead of time, put it in a concealed container in the fridge, and on Valentine's Day heat it up and let them guess what it is. But please, make sure it is edible…Lol!
6. Bring take-out home. Olive Garden's Jumbo Salad with a dozen of breadsticks is a cheer here, complete with their croutons, dressing, and parmesan cheese, a huge amount of food for about $16. Ask them to give you the breadsticks uncooked, with the butter and garlic on the side. Have him swing by and pick it up, you cook the breadsticks fresh at home, and the two of you will have a beautiful light dinner. Who doesn't love their salads. They have sauces (about $5 a pint) and soups too very cheap to order family style, so have fun with it. I like the alfredo sauce to dip my breadsticks in – so good. Or, find another restaurant that has cheap meals that you guys enjoy…wings, pizza, etc. and pull out your best dishes and serve it pretty.
7. Exchange love letters. Don't waste money on someone else's words, but find some pretty paper, write a love letter, and send it through the mail. Then when you have had time to share them with each other, add them to your love album book to keep to look back on. Make sure to snap a real time picture of the two of you to include in it to see how far you have came.
8. Plant a flower, shrub, or plant in your garden together – then watch it grow, as you grow, from thorns to roses 🙂
9. Drinks and jazz! Be "sir-mix-a-lot" or "girl-mix-a-lot" and play your favorite tunes for the night, clear the living floor for a dance floor, and enjoy mixing up your virgin daiquiris, etc., throughout the evening and slow dance. A perfect party for two to maybe try out some "Dancing With the Stars" moves…
10. Don't have money for a hotel stay? Create your own bed and breakfast or deluxe mini suite by sprucing up your bedroom with fluffy blankets, sheets, flowers, candles, snacks, and take a beautiful bath together, and then enjoy the rest of the evening in your robes and slippers. Surprise them with a new robe, socks, or slippers if they do not have one! And to top it off the next morning, fix a nice quick breakfast of french toast, croissants, fresh fruit, juice, coffee, etc. to enjoy together in bed. Make it decadent!
Remember, it is all in the thought and the presentation. Tonight, I will be doing numbers 4 and 6, to create a perfect "10" evening 🙂


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Home security is something that almost no one takes lightly. For most of us the extent of home security is making sure the doors and windows are locked. Today home security is big business as it has become something that is more available to most people. With innovations in New technology home security systems have become more effective with more features while at the same time becoming less expensive. But before you go out and spend your money on a new security system, here are a few things to consider.
There are several basic types of security systems. Wireless, hardwired, cellular, land line are four different system formats that can make a big difference in price and maybe reliability.
First let's look at cellular compared to land line. With a cellular security system a communicator uses 2G or 3G technology to send alarm signals to the monitoring center, similar to how your phone uses the same networks. Once installed, your system will be more reliable than a cell phone. Because the system remains in the same location, there are no "dropped calls" or going in and out of service areas. By using a cellular communicator you don't have to worry about cut wires, loss of Internet connection, or power outages.
What about land line? Communication through approved landlines used to be the only option for home security, just as it was the only option for talking on the phone. The only advantage of continuing to use a landline these days is price. Most security companies offer a lower-priced landline-only package as a way to get people in the door. We consider them to be similar to the TV antenna, a cheap option where you get what you pay for. If a burglar cuts your phone line before entering your home, the police will never come.
When it come to wireless compared to hard wired the difference is basically one of costs. A wireless system communicates with it's sensors over the air and without the need for wires. Obviously the opposite is true about hard wired systems where there is actually a wire running to each sensor. The cost comes in for the installation. A professional is usually needed to install a hard wired system where a wireless system can in most cases be installed by the homeowner.
Those are some basics, other than that it's a matter of what features you prefer.


text: Blue Springs State Park was our next stop in Florida. The springs are one of four of the largest in Fla. The water is crystal clear and the water temp. is a steady 72 degrees year round and from Nov. to Mar. is the winter home to West Indias Manatees. The springs produce 100 million gallons of water a day. We were to early to see the manatees but, we did see lots of fish and birds. The picture is of a gar fish floating in the clear water.


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French Foreign Minister Bernard Kouchner has condemned Russia's actions in Georgia and accused Russia of breaking international law by recognizing the Georgian territories of South Ossetia and Abkhazia as independent states.
Questioned about a statement by Russian President Dmitry Medvedev that Russia was not afraid of a new Cold War, Kouchner stated: "If it's only cold, that's not a problem, if it's hot, we don't want it".
Thursday, August 28, 2008
France fears war over Georgia
Posted by Eter Tsotniashvili at 10:59 PM
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Here's a few personal highlights from the farmlands this year
Early 2014 will long be remembered for the floods and storms
A storm blown Kittiwake
Female Stonechat- numbers recovered this year in the mild conditions
Great Crested Grebes prospecting in early spring
Quakers in early Spring
Comma on Colt's Foot in early Spring
Spring Mallards
Muslin Moth in April- the first for the farmlands
Kent Black Arches in May
Bar-tailed Godwit- a classic late Spring speciality
Spotted Flycatcher- a late Spring speciality
The Bird Group wildflower meadow
Young Fox
Ruby-tailed Wasp in June
Golden Bloomed Grey Longhorn Beetle in June
Common Shelducks successfully bred this year
Purple Loosestrife
Horse-tail and Reedmace
Pyramidal Orchid in June
Purple Hairstreak in June
Six-spot Burnet in July
Moth Mullein in June- a regional speciality
White-letter Hairstreak- the discovery of a population on Irrigation Bridge was one of the highlights of the year
Blackwits- an early autumn speciality
Juvenile Spotted Redshank
Glossy Ibis- a first for Beddington (August)
Small Red-eye- a population was discovered on the lakes this year
Grey Phalarope- another highlight of the year found in November
Brent Geese in November- a classic late autumn speciality
Sedge Warbler- up to 15 were gathering in a small area on the Northern Lakes
Sandwich Tern in September
Osprey in September
Clouded Yellow- a late autumn migrant
August Thorn
Oak Processionary Moth- the first for the farmlands (a controlled pest so was taken into quarantine by the local authority )
WINTER (again)
Good numbers of ducks were on the lakes
Hunting Kestrel
A pretty good year. 157 bird species recorded overall and lots of new species recorded in the continuing Beddington Farmlands Bioblitz.
For daily bird sightings and more: http://beddingtonfarmlands.org.uk/
For more information on Beddington Farmlands, reserve development and public events : http://bfnr.org.uk/


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Recommended Brokerage Companies: 1. Ally Invest 2. Fidelity Investments 3. Vanguard 4. Motif Investing Recommended Motifs (My pre-built index funds for you) 1. Dow Jones Industrial Average (No-Fee Index) 2. Magic Formula Index 3. … [Continue reading]
NACCO Earnings Call Notes – 1Q 2018
Last month, I published my analysis of the NACCO Industries spin-off investor presentation from last year. Today, I'll be sharing my notes from the most recent NACCO earnings call which took place on May 3rd, 2018. This quarterly earnings call … [Continue reading]
Should you use a Traditional IRA or Roth IRA for retirement savings? (Episode007)
Podcast Episode Overview In this episode, I answer a listener question about how to save for retirement. Specifically, "Should I be using a traditional IRA, Roth IRA, or both for retirement saving?" In order to answer this question, I provide a … [Continue reading]
Gilead Sciences Earnings Call Notes – 4Q 2017
Gilead Sciences (GILD) is a company which I have been following for some time. In January 2017 I wrote an article on Seeking Alpha describing why I felt that Gilead Sciences could be a core holding in a portfolio. In today's post, I'll be sharing … [Continue reading]
Kraft Heinz Valuation: A conservative appraisal
I began looking at Kraft Heinz in the past week or so when I noticed that the price had dropped below $60 per share. Kraft Heinz Co. (KHC) is one of the "Big Food" companies. They are a consumer staples company and produce a diverse array of food … [Continue reading]


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