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Beyond Technical Details, How Does a Bankruptcy Lawyer Help?
October 29, 2010
Beyond saving you money by discharging a large debt or protecting your home from foreclosure, just what can a bankruptcy lawyer do? An experienced Texas bankruptcy lawyer is not a therapist or a doctor or a mechanic, but a good one gives you more value than just the technical details of filing bankruptcy.
Your Options
A good bankruptcy lawyer does not just give you numbers; a good one gives you options. Say you owe $50,000 on your credit cards, and are falling behind on your mortgage. This is a tough situation, but beyond simply filing paperwork, how can you best understand what needs to be done? An experienced lawyer should educate you on how Chapter 7 might help, what the differences of Chapter 13 are, and if, perhaps, bankruptcy isn't your best option.
Your Rights
You almost always have a right to file for bankruptcy help. And many of us are unaware of all our rights for this help. You may have a certain creditor calling you so much you're considering either never picking up the phone again or changing your number. You may have a debt you believe is incorrect. People's right are abused on a daily basis; a good lawyer explains your rights and protects them. If a creditor is crossing the line, for example, a lawyer can stand up for you.
Educates You
A good Texas bankruptcy lawyer does more than fill out documents, appear at meetings, and settle your case in court. You can likely learn a lot from your lawyer on what happens in bankruptcy court, with your trustee, and how debts can be eliminated. While you may never have to file again, if a life emergency comes in 10 or 20 years down the line, what you learned, even the basics, can be invaluable.
Your Financial Future
If you file bankruptcy, it does not always mean you always made bad decisions, but sometimes you have to admit you made some mistakes. You might have went on some spending sprees or spent paychecks before you even got them. A good bankruptcy lawyer should help you plan for after. He or she may not be a financial consultant, but an experienced lawyer explains what got you into this situation and how you can avoid it in the future.
What You Might Change
How can you avoid a second bankruptcy? What can you do to avoid losing a home again? When is it possible to have wages garnished? A good lawyer spends half his or her time answering client questions, and offering answers on how you might avoid making the same mistake twice. This may be beyond financial choices: it could be on the importance of medical coverage in times where medical bills are the leading cause of bankruptcy; it could be avoiding certain kinds of loans.
While not all Texas bankruptcy lawyers are capable of helping beyond the basics, you should hire one you can communicate with and who you can learn from.
Paying Debts or Filing Bankruptcy – Texas Legal Questions
October 27, 2010
You have many options for how you can eliminate your debt. Some options have more advantages than others – such as using debt consolidation, bankruptcy, doing nothing, or negotiating with creditors yourself. This blog guide goes into detail on how you might discharge debt.
Why not debt consolidation?
Debt consolidation, where all your debts are paid on and you make payments over time, has too many disadvantages to count. True, filing bankruptcy is not always your best option, but it's much better than debt consolidation. If bankruptcy isn't for you, there is no point in debt consolidation. You often end up paying more than the original debt because of interest rates. If you negotiated the debts yourself – by calling creditors and setting up payment plans – you stand to save more money and cut down on fees.
Doing Nothing
When overwhelmed by debts, you have legal options in Texas. While "doing nothing" may sound odd, it's actually a tool you can sometimes, if rarely, use. You decide to pay on no debts, to take no legal action, to let the creditors call, to let them take what assets you have. When is this a bad decision? When you have something to lose. If you are living with a friend or family, if you have little to no assets and little income coming in, "doing nothing" may work. But be warned: unless you have thick skin and feel no stress, you may want another option.
Negotiating with Creditors Yourself
Instead of doing nothing or using debt consolidation, most Texas financial experts advise you to consider negotiating with creditors or choosing a form of bankruptcy. There is no law against negotiating creditors yourself – asking for lower interest rates, more time to catch up, and sometimes lower payments. Why would creditors want this? If you file bankruptcy, they often get nothing. If you can pay them even some of the money, it works out for them.
Why file Texas bankruptcy?
Bankruptcy is not for everyone. Some file bankruptcy for the wrong reasons. The right reasons? Impossible debts you simply cannot pay in a manageable amount of time, usually 3-5 years, or for legal protection when property and assets such as a home and car are in danger of being taken.
You have options in bankruptcy, Chapter 7 or Chapter 13. You can save on unsecured debts, debts on credit cards and to hospitals for examples, with Chapter 7. It discharges the debt, and only certain debts like taxes, alimony, student loans, and child support cannot be discharged.
If you had to choose between a Chapter 13 bankruptcy and debt consolidation, always choose Chapter 13. Chapter 13 protects your home and lets you pay on secured debts; debt consolidation can do little to help with secured debts such as your home and car. You might as well either negotiate or file for bankruptcy help.
Is Bankruptcy always best?
No, and this should be clear: you have options beyond bankruptcy. It's just that many Texas residents believe they'll lose more than they gain. Almost always, a successful bankruptcy saves you money. But if you have only minor debts – monies owed you can pay in 1 year or less – bankruptcy may not be the best solution.
Protecting Your Texas Home – Your Options with Bankruptcy
October 25, 2010
According to DallasTexasRealEstate.com, the Texas Homestead Exemption does three things: it protects you from increasing property taxes, stops creditors from forcing a sale in many situations, and gives protections to a spouse if the homeowner passes away.
What does the Texas Homestead Exemption mean to you?
The Texas Homestead Exemption is one of the most useful laws governing state properties ever. It has a long history, having been used for centuries to some extent. The main benefit of the law is not in saving property taxes, but in protecting your home from creditors. It cannot protect your property in certain situations, namely with mortgage holders, note holders, and the government. If you fall behind on the mortgage, you may have trouble protecting it. If you fail to pay taxes, the government has options on the property.
How Bankruptcy Helps
On the other hand, a bankruptcy may be exactly what you need. Bankruptcy provides more protections. The main benefit before you even file bankruptcy is that creditors have no legal right take your home unless they are the lender. If you owe a $100,000 hospital bill, the hospital cannot just decide to take the home. If you miss a year's worth of mortgage payments, that is another story. A Chapter 13 bankruptcy – before you fall behind on your mortgage – gives you the opportunity to start making manageable payments on the home and keep it. You have legal protection when you file bankruptcy, namely with the "automatic stay," which halts all collections against you for several months. If you can successfully file prior to the foreclosure process beginning, you have a good chance of saving the home.
When is Chapter 7 better? Chapter 7 bankruptcy discharges your debts, while Chapter 13 adjusts the payments of debts. You always pay something with Chapter 13. Chapter 7 is better when you have other debts you simply cannot afford, unsecured debts like credit card bills. You stand to lose the home if you file Chapter 7 bankruptcy and stop making payments. Chapter 13 is better if you want to keep the home. You do have options, so discuss them with your lawyer.
Should you sell?
You have other options for eliminating this debt. If you want to avoid bankruptcy or simply know you cannot keep the home, you might get lucky and sell it for full value. Or you can use a short sale to pay back what you owe, selling the house for less than it's value but being free of the debt.
Who can help?
If you're confused about some of these laws, that's more than understandable. We get confused by them ourselves. Filing bankruptcy or going through foreclosure requires legal guidance. You need an experienced Texas bankruptcy attorney to explain all the laws, help protect your property and assets, and save money on debts.
Are the Alternatives Better Than Bankruptcy?
October 22, 2010
Bankruptcy is not always your best option; you have alternatives. Texas bankruptcy does give you many protections, such as the homestead exemption protecting your home during a bankruptcy. However, sometimes the debt is too small to discharge, or you are not eligible. You do have other options, so let's go over them.
Downfalls of Debt Counseling, Benefits of Negotiation
You can negotiate with creditors to lower payments, interest, and sometimes even the sum of the debt. You can do this yourself, or you can use what's called debt counseling. When using debt counseling, you will get help negotiating with creditors and making more affordable payments. However, if you filed Chapter 13 bankruptcy instead, you'd have more legal protection. And debt counseling agencies are not all equally skilled and knowledgeable: you may be able to do everything yourself. Some ignore the fact they can negotiate themselves, that debt counseling agencies have no secrets. You can make some phone calls and create a debt repayment plan. If you have no way of paying these debts, it's pointless, so you may consider Chapter 7 bankruptcy.
Creditor Harassment
If you feel you can pay off these debts, you may not need to file bankruptcy nor negotiate on payments. However, you may get sick of constant phone calls on past due payments. There are rules to help you, such as the fact a creditor cannot call you earlier than 8AM and later than 9PM. But you can stop the problem at its source by writing a letter to the creditors and explain you want no more contact; by law they have to stop contacting you, no matter if the bill is due or not.
While bankruptcy can do all this, it's designed for discharging high debts and protecting property. If you have minor debts and can pay them off yourself over a few months to a few years, consider stopping the harassment and setting up your own plan.
The Do Nothing Approach
This may sound odd, but you can actually find success by doing little to nothing on your debts. A warning: if you have any income or anything of value, it's dangerous. The "do nothing" approach works if you stand to lose nothing, which is rare, because most of us have something to lose. If you are unemployed, have little income, and own no property or car, you may lose nothing.
When is bankruptcy better?
Chapter 7 bankruptcy discharges your main debts in a matter of months, though you stand to lose some assets. Chapter 7 is smart if you have impossible debts, especially unsecured debts like credit and medical bills.
Chapter 13, on the other hand, works well if you want to protect property. Sometimes you are not eligible for Chapter 7, but often Chapter 13 is still an option. If you own a home, for example, and fear foreclosure, a Chapter 13 repayment plan can protect it. The laws are designed to protect you. Contact an experienced bankruptcy attorney to find out more.
How a Texas Bankruptcy Lawyer Helps You Save Money
October 20, 2010
Saving money, property, and assets is the point of filing bankruptcy, but many fail to reap all the benefits of a successful debt discharge. For Texas residents facing a stack of credit card bills, impossible medical debts, foreclosure, and creditor harassment, there are options.
Texas is unique in many ways for how it protects home owners and those in debt. What is crucial in a successful bankruptcy is having clear set goals beforehand, while also hiring the best lawyer available. Who can help with filing a Chapter 7 bankruptcy? What are the best ways to protect your home from foreclose with bankruptcy? These are good questions for your Texas lawyer.
Where do you you find one?
An experienced Texas bankruptcy lawyer will very often have a site, be in the phone book, and also be found at the State Bar of Texas (where you can find lawyers for all legal situations). Filing bankruptcy can be quite complicated, yet it can also be very rewarding. If you own a lot of assets, owe a large amount of unsecured debts such as on credit cards, and your income is simply not enough, working with a Texas bankruptcy lawyer is essential. His or her job is to save you money. Will this service cost a fortune?
How much will it cost?
While Texas bankruptcy lawyers who are experienced do not work for free, neither will one cost you the price of a car. Few experienced Texas bankruptcy lawyers charge more than $2,000, and many are lower than that, depending on the complexity of your case. You do have to pay fees to Texas bankruptcy court – $299 for Chapter 7 bankruptcy, and $274 for Chapter 13. What many forget to consider is how much you stand to save.
How much will you save?
There is no limit on how much an experienced Texas lawyer can help you save with a Chapter 7 bankruptcy. As long as you are eligible – do not make too much money and have not filed recently – you stand to save thousands if not tens of thousands of dollars. The most common situation leading to Texas bankruptcy is medical debt; you get a bill for $50,000 in the mail because you have no health insurance. This is quite common, and a problem that can be solved with bankruptcy.
What can you protect?
Chapter 13 bankruptcy is usually better at protecting property and assets than Chapter 7. In Texas the homestead exemption is quite powerful. There is no limit on how much your home can be worth, how much equity you have, and what you owe. If you have a $200,000 home, for example, you can protect it with a Chapter 13 bankruptcy. If you simply cannot afford to pay your mortgage, Chapter 7 may be better. But if you feel, with manageable payments on all your debts, that you can afford it, Chapter 13 is smart.
A Texas bankruptcy lawyer is invaluable in helping you save money, protect assets, and ensure future success. The laws in Texas make possible the dream of being free of debts. But if you do this yourself or hire the most inexpensive lawyer available, you are in danger of losing assets, and of owing impossible debts. So the time you spend finding a good lawyer is crucial.
The Best Strategy After a Successful Texas Bankruptcy
October 18, 2010
If you're unsure of what happens after a successful bankruptcy, if you have some fears, you are not alone and there is help. This blog guide is designed to help you save money, protect assets, and reap the rewards of a bankruptcy.
Why file Texas bankruptcy?
Filing bankruptcy in Texas has some unique advantages. Take one of the most innovative laws in the entire country, the Texas homestead exemption. Where some states have limits on home exemptions, in Texas there is no limit. Why note this? If you have a home – and you're worried about losing it – this simple law can literally change your life. You have to think after bankruptcy: what your income will be, where you will live, what expenses you have to pay, etc. If you can keep your residence, that is obviously a big advantage.
After Chapter 7 Bankruptcy
You just discharged some major debts, the big benefit of filing bankruptcy. How much can you save? There is no limit on how much you can discharge in a Chapter 7 bankruptcy. This creates real value for filers. However, there are some strategies for success and to avoid a second bankruptcy. In many situations, the bankruptcy was no fault of your own. You lost a job, got a huge medical bill, or simply could not keep up with credit card payments. Even if you had a role, we all make mistakes. The important thing to do is move on, to prepare for life after bankruptcy, and to avoid filing a second time. You may, for example, set a goal of getting a job with medical benefits, or of having only one credit card, or of paying all bills on time. (You can, in certain situations, follow all these strategies.)
During Chapter 13
A Chapter 13 bankruptcy can protect your home from foreclosure, buy you time to pay on debts, help you avoid spiraling debts, and help keep other assets. If you make too much money, higher than the Texas median income, you may have to file Chapter 13. Many overlook the advantages, namely how if you have a home and want to keep it, Chapter 13 bankruptcy may be your best option.
After Chapter 13
There are some strategies for success after a successful Chapter 13 filing. It takes much longer than a Chapter 7, but this buys you time to pay on debts. If high credit card interest rates hurt you, you may also try to eliminate the majority of your credit cards. Since you may have more trouble getting loans and credit cards, you can set a plan of rebuilding your credit by opening a secured credit card with your bank. You might also plan to keep your home in case of future unemployment by setting aside money from each paycheck.
If you are unsure of where to begin after your bankruptcy is done, take it one step at a time. Give yourself reachable goals, things you can get done on a monthly basis. The goal is to avoid a second bankruptcy filing. Some of us cannot avoid a second bankruptcy, but if you protect your income, maintain medical benefits, keep up on bills, and save money to protect assets like your home and car, you can avoid future problems.
5 Success Tips for Texas Chapter 7 Bankruptcy
October 15, 2010
This guide shows how best to save money, to hire a Texas lawyer, to discharge debt, to stop creditor harassment, and to get a fresh start. It's important to understand the value of a successful Chapter 7 bankruptcy, and what it means for your future. A Chapter 7 bankruptcy liquidates assets and protects you financially by discharging debts you simply cannot afford. While you stand to lose some assets, you have exemptions when filing bankruptcy, especially effective in Texas, for protecting property like your home and car.
So how can you succeed?
Set Clear Goals
Texas bankruptcy need not be a time consuming, costly affair. Bankruptcy is difficult without proper legal representation. Your first goal might be to hire a lawyer both affordable and experienced. You have many options there. With a Chapter 7 bankruptcy, you may set goals of having your credit rebuilt after a few years time. You might also write down how you intend to save your home as well as other property and assets.
Hire a Texas Lawyer
Who do you hire? A Texas bankruptcy lawyer can help you set goals, rebuild credit, discharge debt, protect assets, and save money. A good Texas bankruptcy lawyer can explain the advantages of bankruptcy, specifically Chapter 7 – how it helps you, what protections you have, what you can keep, etc. He or she can also explain how your credit will be affected and what you might do to rebuild it.
If You Want it Discharged, Write It
Another crucial success tip: if you want to eliminate a debt, include it in your bankruptcy filing. Your lawyer can help, but be clear on this point. If you want the debt gone – to discharge it – list it. The same goes if you want to protect property and assets: if you want to keep them, your best opportunity is to list them and set up a plan to do so. If you ignore certain debts or assets, your bankruptcy may not go through.
Stop Harassment – Get Even
Well, "get even" may be pushing it, but you may have some harsh words for those calling you from morning to night. While filing Chapter 7 bankruptcy is effective in stopping harassment, be clear there are other ways to stop it. You can, for one, write a letter to the creditor asking them to stop contacting you; by law they have to. However, the root problem is the debt, and a Chapter 7 bankruptcy can discharge it (if you list it).
Second Chances and Fresh Starts
Bankruptcy gives you a fresh start financially. That's the big benefit for many of us; we want some kind of new beginning, a better life financially. You may worry you'll never be able to buy a home, car, or expensive dinner again – that bankruptcy will be a negative. However, while your credit may be hurt, it's not ruined, and you always will have opportunities for new lines of credit and new loans. It may take some time, you will get some "no's", but it's more than possible.
Take advantage of Texas Chapter 7 bankruptcy. If you are unsure on how to begin, get in touch with an experienced lawyer.
Common Legal Hurdles When Filing Texas Bankruptcy
October 13, 2010
Are you eligible for Texas bankruptcy? How complicated is the legal process? This blog guide helps you overcome some bankruptcy hurdles which, if you can get past them, can help in protecting assets, discharging debts, and giving you a fresh start.
Ineligible for Texas Chapter 7
From one person to a family of four, the numbers for Texas Chapter 7 eligibility are $38,80, $55,660, $59,011, and $66,145. If you have a larger family, your income will be more. What if you make too much money? If you have recently lost your job, where you made a high income, you can likely be eligible after some time. Say you make $100,000 annually, but you lose your job, and have no income but unemployment. Eligibility is based on your income for the past six months; if you wait some time, you likely will be eligible. If not, while Chapter 7 is more effective at discharging unsecured debts like credit and medical, Chapter 13 has some advantages too.
Ineligible for Chapter 13
If you owe too much money, you may not be eligible for Chapter 13 bankruptcy. If your unsecured debts are over $336,900, you cannot file. Your secured debts, monies owed on your home and car for example, cannot be more than $1,01,650. These rules give you a lot of leeway. If your debts are this extreme, it's best to consult with some financial help. Usually, if you are ineligible for Chapter 7, you will be eligible for Chapter 13.
What solutions if you cannot file?
Chapter 7 bankruptcy is very effective in discharging unsecured debts, such as credit card and medical monies owed. If you can't file because you make too much money, you may have a high number of valuable assets you want to keep such as an expensive home, car, jewelry, and other assets. Therefore, it may be better to file for Chapter 13, especially in Texas where the homestead exemption has no limit. You can protect your home from foreclosure, your car from repossession, and other valuable assets and monies from being taken.
Paying Fees for Bankruptcy
If you are filing Chapter 7 bankruptcy, paying fees to both the courts and a lawyer can seem impossible. While for some of us paying $299 to file Chapter 7 is reasonable, if you're unemployed and don't know where your next rent or mortgage payment will come from, it may be high. Any way you can get it, it's worth it. Why? If you discharge $20,000 in debt by paying $299, it can save you a lot of money. Should you hire a lawyer? Texas bankruptcy is unique, as all states are different, and hiring a Texas lawyer is crucial. A professional will not charge you huge amounts of money, and the more you owe the better return you'll get.
Handling Creditors
Creditor harassment can and should stop right after filing bankruptcy. If it continues, refer the creditors to your lawyer. You might also write them a letter. At the meeting of creditors – also called the 341 meeting – creditors do have a chance to appeal your chance at bankruptcy, but few do.
Who can help?
The more money you owe, the more you own, the more value a Texas bankruptcy lawyer gives you. To put it simply, he or she can help you save tens of thousands of dollars, protect your home and car, and give you and your family a fresh start.
Should You Use Debt Consolidation or Bankruptcy?
October 13, 2010
Should you avoid bankruptcy? Well, this is a bankruptcy blog, so we may be partial. But if you look at the facts when comparing debt consolidation to bankruptcy, it's pretty easy to side with bankruptcy.
What are the downsides of debt consolidation?
First and foremost, debt consolidation companies mainly try to help you with unsecured debts such as credit and medical debts. If you are worried about keeping up on your mortgage, debt consolidation can do nothing. If you fear repossession of your car, that is another secured debt you won't get much help with. Debt consolidation companies offer you no legal protection. And often you end up paying more money on these debts over time – even with a lower monthly bill – than you would be negotiating. How? With interest rates.
Why file Texas bankruptcy?
Chapter 7 bankruptcy is better at discharging unsecured debts. It allows you to completely discharge the majority of your debts, namely credit and medical. You pay no interest rates. You have legal protection from creditors.
Chapter 13 bankruptcy is better at paying on secured debts, monies owed such as your home and car. It allows you to protect your home, car, and other assets from being taken. If you make too much money to file Texas Chapter 7 bankruptcy, you almost always have the opportunity to file Chapter 13.
Advantages of Bankruptcy over Debt Consolidation
As noted, one myth of debt consolidation is that it can help with all debts. If you have secured debts, you might as well negotiate on your own; debt consolidation cannot help. If you owe money you can't pay on your mortgage, you would do better to either discharge the debt with Chapter 7 or protect the home with Chapter 13.
Also, debt consolidation does not stop creditor harassment, and bankruptcy does. If you file bankruptcy, either Chapter 7 or Chapter 13, a Texas judge will put an "automatic stay" on all your debts, stopping any collections against you. Debt consolidation companies only negotiate with creditors; they offers no legal options for stopping creditor phone calls and letters.
Finally, bankruptcy may be better on your credit than debt consolidation. Even though you are paying the debts, many companies fail to pay on time. While this may not sound like a big deal, a bad company can cost you money on late fees and hurt your credit rating. True, a bankruptcy will stay on your credit report for 7-10 years, but with the money or assets you save, you can rebuild your credit over time.
Do you have options beyond bankruptcy?
Yes, you do have options other than filing bankruptcy. Rather than debt consolidation, you may try negotiating payments on your own. Creditors want their money; if you say you cannot pay the full amount and want to spread the payment over, you may be able to do so. You might do other things too, such as using a short sale to pay back what you owe on your home. Bankruptcy is not always your best option, but it should be considered.
Who can help?
Still unsure about debt consolidation and bankruptcy? Start asking some questions, and ask them to an experienced Texas bankruptcy lawyer. A good lawyer can help you save tens of thousands of dollars, protect property, and rebuild your credit over time.
When to Fire Your Dallas Bankruptcy Lawyer
October 8, 2010
There are many horror stories involved in bankruptcy which simply need not occur. The problem is that with so many unemployed, facing foreclosure, and lacking medical coverage, bankruptcy filings have been very high in recent years. This has increased demand for bankruptcies. Then, to add salt to the wound, the changes in 2005 made it more difficult to file Chapter 7, and more expensive to hire a lawyer. There is some good news to be found. Namely that there are experienced bankruptcy lawyers who can help you.
When are you getting conned? When is enough enough? How does a professional Dallas bankruptcy lawyer really help you? This blog guide answers questions and concerns so you can get the bankruptcy done.
High Fees
The point of any bankruptcy is to save money and assets, not lose them. A bankruptcy lawyer should rarely if ever charge more than $3,000 for you to file, with most being from $1,500 to $2,500. High fees are common for those with experience, but you wouldn't be filing bankruptcy if you had a lot of extra money. The best thing to do is before you hire a lawyer, have locked down fees. If they try to raise them on you, that's unprofessional. If they are upfront about fees, you can the rates for comparison.
Availability of Your Dallas Lawyer
While Texas bankruptcies and foreclosures are not as high as some states, the problem is still here. Bankruptcies are very common for a multitude of reasons: pending foreclosures, unemployment, medical debts, rising interest rates, and more financial problems. Because they are common, many lawyers are taking on too much work, cashing in, and not spending enough time with their clients. This happens in all legal professions. If your lawyer is delaying your case, you need not be frustrated – get a new lawyer.
No Experience
We all make mistakes, especially when trying to save money. Say you wanted to protect your Dallas home from a pending foreclosure, found a lawyer who offered very low rates, and hired her. You then found out she had no experience in handling creditors or intimate knowledge of bankruptcy law. No matter if a lawyer has an education, if they lack relevant bankruptcy experience, find one who does.
Wrong Strategy
Some lawyers simply have a bad game plan when it comes to filing for bankruptcy. They may not understand what you need most. For instance, you may hire a Dallas bankruptcy lawyer who explains you can't protect your home from foreclosure, or that it wouldn't be worth it, when it's in fact possible and smart. Sometimes a bad game plan means you lose in a big way. What kind of strategy do you need? Well, saving the most and losing the least is best.
Bad Communicator
Some people click upon meeting and some people don't. If you simply cannot communicate well with your lawyer, the earlier you find someone you can communicate with the better. Some never return phone calls, send late invoices, rush through paperwork, never explain your rights – and it all can be frustrating during a scary time. You don't always know when you hire them, but if you spend some time going over a bankruptcy strategy, if you delay your decision somewhat, it can help you see if this lawyer is easy to communicate with.


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How does one describe Chicks on Speed? A hybrid of art, pop, music, DIY fashion, performance, filmmaking, poetry, makers, designers, creative's and the kitchen sink rolled into one would be one interpretation, but perhaps their appeal is more to do with not knowing how to categorise them?
The there two founding members of the 'clan', Alex Murray-Leslie and Melissa Logan and after 14 years together (and with hundreds of collaborations, projects, agendas, achievements under their belt) the girls are currently celebrating an exhibition of their work at Dundee Contemporary Arts. On display are some of their films, zines, protest banners, home made instruments, clothing, posters, textiles, photos and music. Alex attended the symposium specifically to talk about their recent venture – the construction of a shoe guitar.
Firstly though she gave us a potted history of the 'girl band project' who went on to shake up the notion of what a girl band can do and achieve.
These highlights included:
Paying their way through art school by selling alcohol at impromptu parties in Munich
Selling a fake box set (when they only had one song)
Getting a major following thanks to coverage in the NME
Exhibiting internationally
Using their naked bodies as instruments
Constructing clothes and textiles that make music
The girls imaginations knows no boundaries and once they decided stilettos that double as guitars, was their next adventure nothing was ever going to stop them, even if it meant name dropping Lady Gaga in order to get attention.
And so began a journey across the world collaborating with shoe designers, technologists and manufacturers until after many, many failures the shoe was born just a couple of weeks ago. They have already been played at an inaugural gathering recently, but are now on display in the exhibition until Lady G's stylist comes calling.
Listening to Alex and seeing the exhibition was completely awe-inspiring. COS are the kind of role models that every girl in the UK should look up to rather than being sucked in by talentless reality TV stars. If only Alex could go and deliver the same speech in assembly at every girl's secondary school in the nation we might have more motivated and inspiring guerrilla groups among the next generation.

subset: commoncrawl


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Business Work Stereo
posted by July 8 at 9:11 AMon
At the place where I spend most of my evenings there is a stereo. My coworkers do not understand what a privilege this stereo is. They cant see that the full control they wield of this stereo is a mighty gift, a gift rarely enjoyed by the huddled masses cowering near minimum wage. There is no mandated corporate bullshit megamix on loop. No required easy listening. There is an iPod dock and limitless possibilities, unless those possibilities contain swearing. And what do my coworkers do? They piss on this luxury right in its face.
First, theres the playlist lacking any semblance of innovation. There isnt a single song on there that hasnt seen heavy rotation on FM radio. Theres no rhyme or reason behind why the songs are grouped together: Baby I Love Your Way moves into Dont Worry Be Happy, on to four Bob Marley songs. Hit Me Baby One More Time is followed by the Gin Blossoms and Breakfast at Tiffanys, then theres a Backstreet Boys jam and maybe What if God Was One of Us. A brief history of commercial radio, chaotically chosen and piled together in a sloppy heap and put on shuffle. In the lists inception the creator expends virtually no energy, instead opting to inquire meekly: What songs have I heard a billion fucking times before, and what can I do to hear them again? Many of these songs appear to have been chosen for ironic value, but seriously, if you keep telling the same ironic joke repeatedly, every three minutes for several hours, day after day, eventually the recipient of that joke is going to start daydreaming about ways he can poison you. With iPods like these, the freedom afforded through the stereo had been utterly disregarded, no chances taken. Even if the songs arent "good," theyre familiar, and thats all some people need to crawl though their workday.
Yet I cant decide which is worse: squandering your gift on radio banality, or exploiting it with vapid independent internet garbage? There are some young college kids who work at my shop. They listen to music like a god damn fourteen year old girl. Its like theyve embraced every swoopy-haired emo power pop band trying to make a million dollars on Myspace, and they play them, all the time. Normally this stuff chunks by under my radar, purposefully, but now its in my face whether I want to deal with it or not. It sounds sort of like the "Emo" I listened to a decade ago, but its devolved. Its forefathers had barely figured out thumbs - there really wasnt room to dumb it down any farther. When New Found Glory was getting a lot of attention I never thought about what the bands that would later reference them as inspirations would sound like. I didn't want to think about it. Now I get to ALL THE TIME. Pop punk is the Boy Band of the 2000s. At work I hear group after group - I dont know most of the band names and dont bother to check. Because they are all doing the same thing (namely, playing Warped Tour). Every song is a formula, each lyric purposefully picked to stimulate a teenagers angst gland. To finger it delicately, but defiantly. With 5150s. And jump kicks. The messages are innocuous and clichéd; there is no emotion in the Emo. It is now merely the streamlined essence of a former "independent" scene. If a bunch of a band's songs use the ubiquitous halftime/double-bass judding breakdown then they get to call themselves Hardcore. For people who get off on actual hard music these bands are the equivalent of dry-humping in stiff jeans. Just like high school, all over again.
Some effort had to be spent finding these crappy bands. Obviously a normal person can ignore them with great ease. Is the attempt to reach out and discover these groups worthy of any praise? When it comes to choosing music for the work stereo which is the greater sin: taking no risks and only listening to what the radio tells you, or trying to think outside the box and getting trapped in an arguably stupider one?


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1. A Rubik's Cube can always be solved in 26 moves or less.
2. In 26 B.C., Cleopatra Selene got married, so Augustus Caesar made her the queen of Mauretania as a wedding present.
3. In 1926, Route 66 was established.
4. Scientist Heinz von Foerster predicted that on November 11, 2026, technological singularity will occur – the point where we will reach a level of technological progress previously unknown to man. This includes the ability for machines to make themselves smarter, and, you know, finish off the human race.
5. 26 is the only number between a square number and a cube number.
6. 26 is how old I now am!
That's right it's my Birthday! A day to celebrate or mourn, depends really on how much you hate me.
A friend said to me, I'm closer to 30 then I am 20. Someone else told me that I'm technically still in my twenties. This means that I can now be ignorant about the fact that I'm gonna be an old man sooner rather then later. However I can still pretend that I'm young full of youth and alwa- ah fuck that I'm way to lazy to be young.
So I've got a few gifts for my Birthday although I would of preferred cash, because gifts don't pay off the mortgage, still I did get some pretty sweet gifts along with some that perfectly fit my age now.
So, we have Mr Lazy which is just perfect, given by my mate Dave, and a box of Runts which is super epic because I was tempted to write a "C" over the "R" so that I could tell people, I had a mouth full of…well you get the idea. This delightful box of mischief was given by my mate Soumya.
My final set of gifts were given by my dearest mother:
Yep I'm now at that age in life where I'm getting clothes for WORK! Awesome.
Ahh there it goes, she got me some hilarious pyjamas!
Now that I've done all my bragging about my super awesome gift, I'm going to back to doing what I do best…..nothing!


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Quite a few productive days here lately at Chez Rambling Designs….
First let me tell you! I got to guest blog over at Darn Good Yarn! YAYYYYYY!
I wrote a tutorial for it, so go over there and have a look! Let me know if you make any of the bracelets and I will link up to your post here on my blog! 🙂 This is the bracelet you get to make with the tutorial:
Then I made a new pouch for my cards out of some handspun yarn! 🙂 LOVE IT!
I also found some yarn deeeep down in my stash that fits the charity blanket, so I have been working on that.
I finished another pair of mittens as well, they will go in my shop. Pretty blue! Link to the shop if you want them 🙂
And last, but not least:
Today I made a garlic basket out of some willow branches I found in my back yard. Yesss. I love the little thing and will more then likely not use it for garlic, but rather as a decoration in my front yard!I love how the willow spirals around the body of the basket.


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Courier-Journal columnist David Hawpe reports this morning he's been targeted by the same tactics someone employed against fellow C-J columnist and editorial writer Betty Bayé last month.
Both lean more left than right ideologically, and have learned that someone is making campaign contributions to Republican candidates in their names but without their knowledge or consent, a practice meant to embarass the columnists that happens to be illegal.
Like Bayé, Hawpe received a thank you letter from the campaign of Republican Brett Guthrie, who is running in Kentucky's 2nd Congressional District, and has also had contributions made in his name to Elizabeth Dole, in incumbent Republican running for U.S. Senate in North Carolina, and Anne Northup, the former congresswoman from Louisville who is trying to reclaim Kentucky's 3rd District seat.
Hawpe also had contributions made to the conservative organizations that Heritage Foundation and the Jesse Helms Center Foundation.
Filed under: National politics | Tagged: campaign finance |


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We need your help reaching out to Democratic and Republican Town Committees to help pass legislation to make workplace bullying illegal
Map from Mass.gov
We'll present about the Healthy Workplace Bill and workplace bullying at Democratic Town Committee and Republican Town Committee meetings in Massachusetts in the next couple months for two reasons:
- To ask for their official endorsement
- To spread the word about the bill to politically active committee members and urge them to spread the word
We'll start with Newton and Boston because they were the first to get back to us. We've contacted all Democratic Town Committees, and we're working on contacting Republican Town Committees.
We need your help
Contact the Democratic and Republican Town Committees in your town (even if we've already contacted them) and ask if we can speak at their next meeting about the bill. Then email us at email@example.com with the town you're in and the person's contact information, and we'll coordinate presenting about the bill (feel free to join us if you'd like).


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COLUMBIA, SC (AP) - South Carolina motorists who are caught sending or reading text messages while they drive would be fined $25 under legislation that won key House approval Wednesday.
With a 98-18 vote, the House gave second reading to a bill that was criticized as little more than a show, after its fines and penalties were reduced.
"We've got a feel-good piece of legislation," said Republican state Rep. Nathan Ballentine of Irmo before the vote.
Opponents of the measure spent more than hour trying to broaden the list of activities banned while driving, as they also tried to limit the penalties for texting and driving.
Republican state Rep. Kris Crawford of Florence wanted the bill to say people could be ticketed for taking off a jacket, smoking, eating a sandwich or putting on makeup while driving. He also wanted it to include a ban on drivers handling their iPods or laptop computers while behind the wheel.
Those measures were handily rejected. But others were overwhelmingly supported. The bill started with a $100 fine with two driving record points. But amendments cut that to $25, no points and a ban on reporting violations to insurance companies.
And police couldn't confiscate phones, look through text or e-mail messages or require phone companies to provide them. Nor could they use texting-and-driving stops as a basis to search drivers, passengers or cars.
The legislation is expected to get routine final approval Thursday before being sent to the Senate, which is considering its own version.
Copyright 2010 The Associated Press. All rights reserved.
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I was a guest panelist last week at the Vermont Business EXPO on social networking and how to make it work for your business. I was privileged to present alongside some of Vermont's experts on technology including:
· Elaine Young, Ph.D., Associate Professor, Program Director of e-Business Management and Marketing, Champlain College
· Ted Adler, Founder and President, Union Street Media
· Dave Winslow, President and CEO, EpikOne
· Dan Cypress, Realtor, end user for business and personal use.
I am a huge advocate of networking – both virtually and in person. Sure, social networking cannot achieve what traditional networking would –when you look at it, emails cannot beat out old-fashioned phone calls when working with clients, vendors or tying to close that important sale.
But, when you are working with Gen Y, or marketing to them it is unavoidable. In fact, many companies do not ask for references anymore, they just check your recommendations on LinkedIn. And as marketers are setting up company pages on Facebook and other social networks that allow businesses to have a presence, it is becoming increasingly important for key management to setup a personal profiles as well.
Is it necessary for you or your business to embrace this social networking fad? Well, I once thought email was a fad – and now, fortunately or unfortunately, am one of the most hyper-connected people I know (it is the nature of my business). Needless to say, PMG has its own Facebook page and I have embraced many social networking sites for both reconnecting with old friends and building the PMG brand.
My biggest tip? Protect your contacts. It is ok not to "friend" or connect with someone. Your contacts are yours – and should be treated as you would your old fashioned rolodex… treat those relationships with care.
Here is a great video that Elaine featured at the panel, which gives a good overview of what social networking is.
Is it right for you? Well, you can't know if you don't try – and since it is free (except your time), give it a whirl. Let me know what works and what does not.
Bonne chance!
Nicole Ravlin
Tags: contacts, EXPO, Facebook, fads, LinkedIn, relationships, social networking


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The squirrels in this neighborhood are up to something. I went outside a little bit ago to clean the egg off of my car. I could hear a squirrel in the tree next to me making that weird screechy chirp noise they make. It sounded like it was very far up in the tree, so as I walked by I had my head up staring at the high branches trying to make out a small bit of fur. That's when this squirrel screeched really loudly and jumped on this branch right in front of my face. It scared the crap out of me; I actually shouted "Oh holy shit." Pathetic. I was scared by a SQUIRREL.
As I was trying to scrape the dried egg yolk from my windshield, I noticed a squirrel in the tree across the street, just staring at me. And the one that had scared me was also staring at me, from the space between these two branches. AND there was another squirrel in the next yard who I think was looking for something to eat, but his search didn't really look that believable, you know?
Anyway, that's why I think they're up to something. They're probably after me because of all the chipmunks and squirrels I relocated this summer. Or maybe the relocated squirrels and chipmunks have made their way back to this neighborhood and they're all going to jump out at me one day and drag me off to the nature reserve and leave me there.
Or maybe I should stop smoking so much crack.


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By DON MELVIN
BRUSSELS — The European Union's executive branch proposed Wednesday a system of centralized banking regulations that would ensure that taxpayers would never again have to bail out ailing banks whose collapse would threaten the wider economy.
Under the European Commission proposal, banks that posed no systemic risk to the national or international economy would simply be allowed to fail. But those whose failure would pose too grave a threat to the stability of financial markets would be propped up in part by having unsecured creditors of the bank, such as bondholders and shareholders, take losses rather than having taxpayers give the institution rescue money.
"We don't want taxpayers to have to pay," said Michel Barnier, the European commissioner responsible for the internal market, as he outlined the proposals in Brussels on Wednesday. "We're going to break the link between banking crises and public budgets."
Filed under: Story links


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Things to do when you first start dating
Maybe you're good with a couple of the items, but there are a couple of them where you're just not quite there yet.
The thing to remember is that you've already made some great progress in creating a great life for yourself and that you've got just a little more progress to make.
When you meet a girl you like, there is one thing you have to do – KEEP HER ATTENTION!
If you suddenly run out of things to say to her, you need to have a list of great backup questions in your mind that will keep the conversation going for hours. Luckily, I am going to share with you a selection of the best things to ask and what to talk about with a girl.
Being single awards us certain privileges like not having to consider a partner in decision making and taking up literally all the space on the bed at night. They're just not used to seeing their friend be with someone else. Single people are used to taking care of themselves.
There are 17 things you should consider when you start dating someone who has been alone for a while. Being single for an extended period of time gets you into the habit of acting alone. They're not used to having someone look out for them. Much like doing things without letting you know, this is how a single person operates. People born in January are hard workers with strong opinions and you're not afraid to let people know what you think.
As your relationship develops, so will your partnership with them. They tend to be stubborn and don't enjoy being managed.
To gauge their honesty, "ask them a question, and then later ask them the same question in a different way," Garth Bruen, security fellow of the Digital Citizens Alliance, a Washington, D. One example: Asking where the person went to high school.
C.-based coalition that promotes Internet safety, told U. Hop on Refresh and see all their latest social media interactions: Where they've checked in, what groups they've joined, if they've changed their Linked In job from "accountant" to "body-ripper," etc.The conversation was interesting and funny, and made you want to get to know the other person better.How can you make that happen every time you see someone you want to talk to?An easy and not-too-risky way to start a conversation is to ask about that yummy-looking entrée he's eating. " Finding a common interest – or one relevant to your environment – is always a good option. Be sincere, pick out one specific thing you notice about him or her (her purse or shoes are unusual, he has a nice smile, you get the idea) and use it to start talking. This can work for both women and men, in the right setting. Buy her one and have the bartender deliver it, and let her know you were the giver! Maybe you're at a park and want a good lunch spot after you're done hanging out, or maybe you're at a bar with friends and want a great place for dancing later that night. Need a suggestion on your dinner spot after you finish cocktails?If it's a sports bar, or just somewhere that the TV is showing a game, if you're a baseball fan (or, season-permitting, a football/hockey/basketball fan), seeing someone you want to talk to, who's into the game too, is a perfect conversation starter. Then follow up by going over to introduce yourself. Pop culture is full of references to use, and in the right setting any one might work. If you see someone you want to talk to, this is a great icebreaker. Ask that cute guy what he likes in the neighborhood. Asking an off-the-wall question can work when done right! Draw someone in as a third-person "expert." For example, you and a friend are debating whether tab collars or button-down are better for dress shirts, or whether Guinness in a bottle is as good as it is on draft. Recent movies, concerts and restaurants are great conversation-starters. You never know until you ask, and if that cute girl or guy is interested in you, too, you can learn a lot with this question. " Like #18, this helps you figure out what you have in common and interesting differences between you. " Best after you've tried some of #1 – 19, but definitely a way to take the conversation to the next level and see if the other person's up for it, too!Caller Smart is an app that would make your mother proud.


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Today was the first day of the new volunteer program at Red Rock called Red Rock Ambassadors. Above, see pictured the two volunteers who were stationed at the Willow Springs Picnic Area. Although the day seemed slow at times, thirty questions were answered. At Willow Springs, the questions ranged from, "What does a creosote bush look like?" to "Can we drive up this road?" (Referring to Rocky Gap Road!) The petroglyphs which are located across the wash from the picnic area have never seen so much traffic as we were sending many visitors there to do a "short" hike.
At the end of the shift, the results were that the High Point station had the most questions, by far, since the bike race riders were there. And, Red Springs had the least amount of business.


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You. Are. Kidding.
No, I'm not.
Francis Xavier Bartholomew O'Leary, if you're making this up…
Nope, never.
I know. But it's true.
He really said it?
This morning, while we were having coffee.
He doesn't drink coffee.
Chai and coffee, know-it-all.
Except he told you first.
I'm telling you second.
Mary Margaret Therese O'Brien.
And our Patrick?
Patrick really said it.
But I thought he hated her.
So we all thought.
And he's promised? No going back?
No going back.
Let me get this straight. Patrick has finally agreed to claim little Tom as his?
As his son.
Wednesday, March 12, 2008
100 Word Stories: Wait - He Said What?
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Hip-hop star Wyclef Jean is out of the running for the Haiti presidency – the rapper's name is not on the list of approved candidates, according to new reports.
The former Fugees frontman announced plans to run for office earlier this month, after stepping up his charity work in his native country in the wake of January's devastating earthquake.
The official line-up of presidential candidates was due to be announced on Tuesday, but was delayed until Friday.
An unnamed official from Haiti's provisional electoral council has now told Reuters that Jean is not included among the hopefuls, saying, "He is not on the list as I speak."
Jean, who was born in Haiti and moved to New Jersey aged nine, reportedly did not fulfil the criteria needed to run for office, with candidates required to have lived in the country for five consecutive years before the election and have complied with tax laws.
The musician's bid for the presidency was not popular with some citizens and the star's lawyer admitted on Tuesday that Jean had received "anonymous threats from people who are saying that he should think twice before running for the president."


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How does Shakespeare show the decline in Lady Macbeth during the course of the play?
Extracts from this document...
How does Shakespeare show the decline in Lady Macbeth during the course of the play? [Paid special attention to three scenes] When we first see Lady Macbeth the audience can see her as a strong, independent lady and yet a loving and devoted wife. As the play continues the audience can see her gradual deterioration and the separation between her and her husband until she is seen to lose her mind and become very troubled, so much so that she ends her own life. The first scene, in which Lady Macbeth appears in, starts with her reading a letter from her husband, Macbeth. This letter informs Lady Macbeth of the witch's prophecies for MacBeth's future. The audience can see the closeness and love between the two people by MacBeth's letter; he calls her, 'My dearest partner of greatness' Once Lady Macbeth has finished reading the letter she fully understands what needs to be done for him to become King; 'Thus thou must do, if thou have it' Lady Macbeth knows that Duncan is an obstacle they have to overcome and feels that the death of Duncan would help her husband. She also realises that Macbeth is too kind to kill. ...read more.
Instead she feels they have both given everything they can and gained nothing in return: 'Nought's had, all's spent' The audience can see from this scene that Lady MacBeth's worries are beginning to overwhelm her. The use of alliteration on the 'd' makes the words sound more drawn out and heavy which suggests her depressed state: 'Than by destruction dwell in doubtful joy' The audience sees Lady Macbeth take control of MacBeth's actions for the last time in this next scene, the banquet scene. It starts in an orderly fashion and both MacBeth and Lady MacBeth greet the lords in to their banquet, showing the audience the couple does still do some things together although they are separated during the feast. Throughout the scene Lady MacBeth encourages MacBeth on and tells him what to do: '...The feast is sold That is not often vouched, while't is a making 'T's given with welcome...' The audience sees Lady Macbeth's intelligence of thinking ahead about how the Lords might be feeling. She feels this is a ceremonious occasion and the audience can see she sees the importance of that: 'You have displaced the mirth, broke The good meeting.' Lady MacBeth begins to get quite scornful towards MacBeth and tries to bring him back to his senses by saying; 'O proper stuff ' As the scene progresses Lady MacBeth finds it harder and harder to keep on concealing MacBeth's guilty conscience. ...read more.
We see her speeches are choppy and fragmented showing the chaos in her head and lack of control in her mind. She walks around obsessively rubbing her bands together as if she were trying to erase something: 'What will these hands ne'er be clean?' The audience can see her guilty conscience emerging and starting to affect her. The imagery of blood prevalent in the play comes out here. The blood represents the murder, death and guilt all shown through the play. Lady MacBeth goes on to say: '.... All the perfumes of Arabia will not sweeten this little Hand Oh! Oh! Oh!' Her sighs suggest she is suffering and is tormented by what she and her husband have done in the past. At this point the audience may feel a little sympathy for Lady MacBeth as they can see she is truly suffering. The audience can see the dramatic change of Lady Macbeth that took place in the play. She is seen surprisingly different to how we visualise her in the beginning. Lady Macbeth starts off a very loving, strong, independent women and has a very close relationship with her husband. Unfortunately she doesn't keep these characteristics throughout the whole of the play and becomes weak, dependent and troubled by the end of it. Causing herself to commit suicide. 1 1 ...read more.
This student written piece of work is one of many that can be found in our GCSE Macbeth section.
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No 1 100 russian dating Live adult slut chat with horny chicks
At that time, the ratio of men to women was 76.6 to 100.In the subsequent years it improved, however the current rations for 2015 are still strongly imbalanced with 86.8 men for 100 women in Russia today.To cover this fact, the substitute you were talking to will be accompanying her on your "dates".Alternatively, it may be the agency's administrator who simply read your correspondence to get familiar with what you were "chatting" about.) Your chances to marry this girl are just as high as marrying Miranda Kerr. Here is a letter I received the other day on the blog (I had to remove the names of the agencies, all were the top PPL sites that everybody knows): The common sense pill would be to check your credit card payments and see how much money you have already spent in dating sites offering Russian (Ukrainian) brides.All Paid users can message and post and they also have added benefits.
Russian dating in reality is one of the most interesting and realistic things that a person can do with regards to getting into a relationship through the internet.
The research by Pew emphasizes that "the former Soviet Union stands out from the rest of the world", based on 2015 United Nations Data.
"This region has been predominantly female since at least World War II," the study says.
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Creating online dating profiles helps consumers carefully consider potential matches.


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Download E-books Postharvest Pathology PDF
By Nimal Adikaram, Chathurika Karunanayake, Charmalie Abayasekara (auth.), Dov Prusky, Maria Lodovica Gullino (eds.)
As a set of papers that incorporates fabric offered on the 2008 overseas Congress for Plant Pathology, this article good points learn correct on the innovative of the sector. the most recent findings are rather the most important of their implications for fruit creation; a big marketplace zone the place in a few parts as much as 50 in step with cent of the crop may be misplaced after harvest. whereas post-harvest fruit remedies with fungicides are the simplest ability to lessen decay, emerging issues approximately toxicity have ended in the improvement of different methods to affliction keep an eye on, together with organic equipment, the topic of 3 chapters of this e-book. With a number of new concepts requiring amendment of present post-harvest practices, it really is extra very important than ever to stick abreast of the most recent information.
Other chapters take care of the mechanisms of host fruit and vegetable resistance, fungal pathogenicity components and their dating with the host reaction, and a couple of topics on the topic of disorder exams earlier than harvest in addition to their dating to the postharvest remedy of vegatables and fruits. The publication additionally contains a number of worthy case reviews of vegetation corresponding to kiwifruit and peaches, the place various techniques on the pre- and post-harvest degrees are mixed to strong impression. With foodstuff creation matters gaining an ever better profile the world over, this article makes an incredible contribution to the debate.


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Used the briefs last night for the first time. They are loose but good to learn in until I either get them taken in or get a new pair, for now they are more than sufficient to work with.
Safety Squat Bar Box Squat
155 x 5
155 x 5
245 x 3
245 x 3
335 x 2
With Briefs on
385 x 2
425 x 1
425 x 1
475 x 1
515 x 1
Speed DL with mini bands x2
225 x 5 x 1
GHD Raise
30 total reps
Standing Abs
40 total reps
Not a bad first day using briefs. Room to grow.
Check out the SECOND AND BRAND NEW Ashman Strength System e-book.
Join the Ashman Strength Facebook Page.
Check out Pump, Dump, and Hump; a fitness group based around health, lifting, and sexuality run by my wife and myself.
To inquire about training, contact us for more information.


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By now everyone has heard about the UN report taking the Vatican to task for its handling of the sexual abuse crisis, but this recent story is one person talking about being raped by a priest, how she handled it and her role now helping others who have suffered the same horror.
This is a must read as a personal example of what the UN Report claimed is an institutional failure.
An excerpt.
The first time I spoke publicly about being repeatedly raped by a priest when I was between the ages of 14 and 15 was when we announced the settlement of my case—one week before I went to join advocates filing a complaint against the pope with the International Criminal Court at The Hague. I was 21 and had barely left my small town in Minnesota, let alone the country. If you watch footage from the press conference, I disappear for a while; that was when I stepped out to throw up.
People were whispering about Fr. Joseph Jeyapaul's inappropriate contact with youths within a month or so after his arrival from India at our church, but no one did anything about it. At the time, I was shy and got teased a lot, and I felt like an outsider. He offered to lend me a book, and I was flattered by the attention. When I went to pick it up, was the first time he raped me. Sometimes he was violent, and sometimes he told me this was the teaching of God; this was how I was getting closer to Him.
I would take the church bulletin every Sunday and look at the telephone number for the diocese victim advocate printed at the bottom. When I finally worked up the courage to make the call and tell someone what was happening, the woman on the other end told me not to make prank calls and hung up on me. Truly. It took another year for me to tell anyone, and that person was a high school counselor who was mandated to report it to the authorities. Jeyapaul had returned to India by then.
The Church had moved him back to oversee dozens of schools in the diocese of Ootacamund (Tamil Nadu), endangering countless other children. He was arrested in India after Interpol issued an alert in March 2012, and prosecutors here are now seeking to have him extradited to face criminal charges. As far as I know, he is still detained in New Delhi fighting extradition, with his bail denied because he is considered a flight risk. It's hard to get accurate information, though: At another point we heard he'd been defrocked, but that turned out to be false. At another point we heard the extradition was imminent, but then nothing happened and I haven't heard anything since.
Meanwhile, I went to Europe in September 2011 with people from SNAP (the Survivors Network of those Abused by Priests) and the Center for Constitutional Rights, which was filing the case with the International Criminal Court on our behalf. We charged then-Pope Benedict and other high-level Vatican officials with crimes against humanity for their roles, both supervisory and direct, in covering up and enabling widespread and systematic rape and other sexual assault in the Church. We asked the ICC to open an investigation. Among other evidence of wrong-doing by the church, we showed that it regularly moved priests known to be predators to new locations in order to avoid scandal—putting more children at risk, just as they did with my perpetrator.
Retrieved February 22, 2014 from http://msmagazine.com/blog/2014/02/21/i-wish-the-pope-would-step-up/


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Actually The "Rolls-Royce" of Rating's System
Last week the New York Times published a story titled "Low Fat Diet Does Not Cut Health Risks, Study Finds". It referred to an article published in the Journal of the American Medical Association (JAMA) which examined the associated health risks of a low-fat diet. Much has been said during the week about the article but what caught my eye was a comment by Dr. Michael Thun, who directs epidemiological research for the American Cancer Society. He is quoted as describing this study as "the Rolls-Royce of studies". While I'm sure most people would interpret this to mean "a very good study", it is not without its critics. The expression "Rolls-Royce" implies a very high standard, however most people do not know exactly what that range of that standard is. This is the problem with using such a descriptive phrase in an article which appears on the front page of the New York Times and is a lead article on its internet edition. We can do better and we have.
A Better Standard Already Exists
Most people are probably unaware that physicians and researchers do have standards to describe the quality of the evidence and recommendations that are used in medicine. It is a product of the evidence based medicine (EBM) movement that is rapidly becoming a more influential part of our Healthcare System. There are accepted methods to grade both the evidence and recommendations that are published. For instance, the Society of Critical Care Medicine (SCCM.org) as well as other notable medical societies frequently publish guidelines which are available on their websites. One such guideline, "Surviving Sepsis Campaign Guidelines" utilizes a modified methodology for its grading scheme. The evidence is graded best to worst (I-V) as well as any recommendations (A-E) promoted based on that evidence. What makes these guidelines particularly useful is that a reader can not only identify the source of each piece of evidence but also the standard on which to judge the strength of the evidence or recommendation. This type of ratings system is sorely lacking for the overwhelming majority of health information websites.
Is That Website You're Visiting HIT Worthy?
With more and more people flocking to the internet and using it as a source of health information, what assurances do any of us have that the information we obtain is accurate? The URAC (Utilization Review Accreditation Commission) is one that attempts to achieve a standardization process for this issue. The URAC is an organization that accredits health care organizations including health information websites. According to their website they update the standards for accreditation every three years. They require websites to: disclose sponsors and financial backers, identify how the website develops information, use evidence based information, have a quality oversight committee and maintain privacy and security standards. What having the URAC seal of approval on a website doesn't assure is that a grading of the evidence or recommendations will be provided as well. The quality of acceptable evidence can vary greatly. While URAC is a step in the right direction, bear in mind, so far they have only accredited just under 300 websites.
So Why is This Important?
In order to transition from the established paradigm of delivering healthcare to a new paradigm of delivering healthcare any prevailing source of health information must be reliable and trusted. As people seek the low cost and easy access of health information on the internet they will, in time, begin to demand that the available information is high quality and reliable. Most of these websites maintain an extensive "terms of use" that seeks to limit their exposure to liability, but as physicians discovered a long time ago with "consent forms" there is only so much you can do to hold back the tide of medical liability attorneys once there is a breach in the levee. There is an even more important reason to insist on a quality rating system for health information and that is because it can be a useful means to educate people not only on the existence of such a system but also on the widely varying array of quality that currently exists. There are simply too many snake oil salesman on the internet. There are guides on how to evaluate health information but I suspect most people choose not follow them very effectively, if at all. A simpler, more easily identifiable system is going to be needed as more and more people seek out the internet for health information.
Tuesday, February 14, 2006
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Date: January 2, 2018
Adolescence and young adulthood is a time when individuals begin to think about what they want for their futures. Youth are considering their futures through self-reflection, talking with people they trust, and seeking out reliable information on their own.
Generate My Healthy Future Plan is Healthy Teen Network's discovery and planning activity to help adolescents and young adults uncover matters of health and well-being of greatest interest to them. The activity guides youth to consider their readiness to learn more about, or make a change in, 20 healthy future subjects, with resources for more information or suggestions for taking action.
Generate My Healthy Future Plan helps youth think about their lives, decide what they like about their lives right now, what they wish were different, and plan for a healthy future. By the end of the activity, youth can have in their possession a written "game plan" for establishing, maintaining, or sustaining a life of health and well-being.
Generate My Healthy Future Plan is a highly adaptable activity. It is suitable for a single youth-adult pair (such as a parent and their child) or two or more youth peers to do together in a place of their choosing and without a monitor. Or, youth may desire to complete the activity independently. It is suitable for public, nonprofit, and private organizations and agencies to offer to groups of youth and adults to complete the activity simultaneously as youth-adult dyads at a common area.
We've made it easy for you to host a Generate My Healthy Future Plan event in your community with the Group Activity Planning Guide, with detailed step-by-step instructions as well as templates.
Health professionals should also visit the Health Educator Resources and Opportunities (HERO) Guide for suggested uses of the product in community and school settings.
Interested in this activity but not sure about undertaking it? Healthy Teen Network can work with you to support your efforts, or we can plan and deliver the activity for you. Initiate a consultation with us by completing a service request form.


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The Best Sun-Blocking Drapes for the Bedroom?
The bedroom is a room for escape for sleep and rest. If undisturbed sleep is vital, curtains and drapes that blockout sun are a must for bedroom decorating. The fabric and color of the chosen drape...
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Is it ok to have only 1 return air vent located in a downstairs bedroom of a 2 story condominium prob not so would it be ok to relocate it outside the bedroom in the entry hall AC thermostat is up?
Your question is two-fold: one to be answered by your board and another to be answered by an expert in HVAC matters. As to your condominium: before you install any air vent, it will be a good idea ...
Read More »
I am going to move from a 3 bedroom house to a one bedroom unit, any advise?
Find a good lawyer and divorce the extra 2 wives of yours.It is about time!! :))
How far should drapes be from the floor?
The length of drapes is a personal choice. A longer the drapes are, the more elegant they look. Shorter draperies have a more casual look. Experiment with each length to see what works for you.Refe...
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Different Drapes of Saris?
A sari is a woman's garment worn in south Asia. It is an ancient traditional form of dress, dating back more than 5000 years. A sari is constructed of a long rectangular swath of beautiful fabric s...
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Image Pvc Strip Curtains, Industrial Pvc Doors, Dividers, Chennai, India with regard to Butchers Curtains
Article Related to Butchers Curtains :
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text: Hormones like testosterone are essential for correct growth, development and functioning of the body and reduced levels of hormones Massive Testo undesirable. Hence, testosterone is artificially injected within the body. It's to be done by a qualified medical skilled with correct dosage. The simplest boosters are people who achieve the effect while not many adverse side effects. More Info >>> http://www.healthsuppreviews.com/massive-testo-reviews/


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Anne Giardini
"My SFU economics courses helped me to understand the economics of natural resources and to ensure that in my career in forestry I always kept sustainability in mind. I always looked for ways to support the interests of the wider community because I understood the value – in dollar terms – of maintaining a social licence to operate." These are among the reflections of Anne Giardini, Q.C., on her career in forest resources. Giardini is an executive, lawyer, writer, and current chancellor of SFU. Recognized as one of Canada's most influential women, Giardini's is a true renaissance woman.
Lawrence Yeo (BA 1994) is an international success as the CEO of AsiaBiz Strategy Pte Ltd, a Singapore based management consulting firm. He was challenged by SFU Economics to think across disciplines and has used these skills to expand his international company.


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But it is not that all, other night life is for the other workers in mid shift like those of working in a call center agent, lots of them are in their graveyard shift because their schedule to work for 8 hours is every night. Sometime they are not going to work but they have a time for socialization at night.
This is what we called leisure, we wants everything we have to do when the night comes. What are in stored for us during night time? Fun and enjoyment that`s what we can take for it. A night with full of excitement make for some people so sleepy sometimes, but if your in a gigs or bars with your friends you cant feel any kind of being sleepy cause yo are enjoying it with them.
But when you are at work you with feel it because you want to go home as early as you can to have a rest in bed, unlike to those who wants fun at night. Because it will change your life style, the night becomes a day and the day becomes the night.
It is a common for us if you experience it by your own, it is weird as they say, but it is not. Because more of us know it and always be energetic at night especially when Friday nights comes student call it "FRIDAY NIGHT GIMIK NIGHT" a common word to all of us, because this is the last days of school every week.
It is always possible this kind of routine of a human. It is a normal now unlike before, if you are still awake at night and your in the street, it will make you sleep for that night especially if your below 18 years old.


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Senegal President Sall to support World Cup team in Russia
MOSCOW (AP) Senegal President Macky Sall is in Russia and will attend his country's World Cup game against Poland in Moscow.
Senegal is returning to the World Cup for the first time since a thrilling run to the quarterfinals on its tournament debut in Japan and South Korea in 2002.
The president's office says Sall will watch Senegal play Poland at Spartak Stadium on Tuesday during a three-day visit to Russia . He'll also hold meetings with Russian President Vladimir Putin.


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|MadSci Network: Chemistry
I should say, how many bonds with solvent water molecules, that is. Also, where in the methanol structure would the H bonds form. I am a youth director for a church who has a minor in chemistry. The kids are always trying to get the best of me and this time I think they have.
Re: How many H bonds could the compound methonal (CH3-OH) form.
Try the links in the MadSci Library for more information on Chemistry.


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Briggs hits wedding for six in favour of representing England at T20 World Cup
15:59 GMT, 19 September 2012
Danny Briggs has put one life-changing date on temporary hold so that he can try to help England retain their ICC World Twenty20 crown.
The 21-year-old spinner had clearly not reckoned on making the cut from England's provisional 30-man squad to their final 15 when he and fiancee Linsey set the date for an autumn wedding.
But when the young couple discovered the groom-to-be was needed elsewhere, Briggs' understanding prospective life partner agreed to put the big day back a month so that he could represent his country.
Trouble and strife: Briggs was in the wickets for England against Pakistan
He is shaping up as no mere bridesmaid in Sri Lanka either, having opened the bowling for England today and taken three for 15 in a 15-run warm-up win over Pakistan at the P Sara Oval.
The slow left-armer is grateful for his fiancee's support, and delighted to be doing her and his country proud too.
'She'll definitely understand,' he said, after England had recorded a second successive warm-up victory to build confidence for the start of their competitive campaign against Afghanistan on Friday.
'We've rescheduled it, so it's now in October. So there's a bit of time now.
'I'll concentrate on this, and concentrate on the marriage afterwards. It's great to get three wickets here (instead).'
Briggs was not the only one with plenty to smile about after England had pulled off an improbable victory as he and Jade Dernbach (three for 14) did the most to defend a vulnerable 111 all out and restrict Pakistan to 96 for nine.
Captain Stuart Broad's economy was also a significant contribution, as was in-form number three Luke Wright's 38 – almost twice as many as any other batsman managed on either side.
In a spin: Briggs claimed three scalps during the warm-up match in Colombo
England were following up their nine-run win over Australia two days ago, and Briggs said: 'We've played really well the first week, and to get two wins under our belt is perfect preparation really for that first match on Friday.
'We're really looking forward to that now.'
He himself performed with credit too against Australia, even though Michael Hussey ruined his figures in that match by hitting him for three consecutive sixes in his final over.
Asked if he feels in the frame to therefore retain his place when things get serious for England's Group A opener, he said: 'I hope so.
'It's come out well in both games, and that's all you can do really.'
Briggs operated wicket-to-wicket, at a mostly full length, and was thankful for a new ball which helped him find some spin to go with his expert flight.
'I tried to bowl straight, and make them hit the ball; it's fairly simple, every game you play,' he said.
'They're all good players of spin, world-class. It's tough, but you've got to keep things simple.'
Broad appeal: England are hoping to defend their Twenty20 crown
Broad's hopefuls were aware they had fallen a little short with the bat after winning the toss, but knew they still had an outside chance on an awkward pitch.
'It was quite a low total, and you always fear it might not be enough,' added Briggs.
'But then you go on to bowl with nothing to lose and try and bowl the best you can, to put them under pressure early – which is what we did in that first six overs.
'To keep them down to 90-odd in 20 overs and take those wickets as well is good.
'That gives us confidence, because we might have a situation in the tournament where that comes about again. This week has been good preparation to play against any side.'


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Carleton Rescue Equipment Ltd
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Landscape Painting Through the Ages - Activity 1
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Students create a stencil rendition of a landscape in this introductory lesson to the history of landscape art from the Renaissance to present day. A video is included to aid in the creative process.
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