text:
DAVID E. LIDDLE is president of Interval Research, which he co-founded in March 1992 with Paul G. Allen, a co-founder of Microsoft. Interval's lofty but somewhat vaguely defined goal is to be for the 90's what Xerox's Palo Alto Research Center (PARC) was to the 70's and 80's -- a wellspring of innovative technology. PARC is legendary for having pioneered technologies ranging from the laser printer to the Ethernet office network and the graphical user interface for personal computers. Like PARC, Interval is based in Palo Alto, Calif.
Mr. Liddle was an important player at Xerox in the first go-around, and is credited with key roles in the development of the technology that led to the friendly face of Apple's Macintosh. He was also the founder of Metaphor Computer Systems, now a unit of International Business Machines.
Question: What has Interval accomplished in a year and a half?
Answer: We've made a good start toward enumerating and starting work on some of the hard problems of the next 10 years, both technical and people-oriented problems, mostly for new media-oriented products in the context of a rapidly changing communications environment.
Q: Is there a danger that the needs and wants of individuals will be overlooked as the titans rush to stake claims on the new media frontier?
A: Frankly, the real interesting thing about the information superhighway is to start reaching consumers. There's not really the opportunity to ignore what they want to see, what they want to buy. There is a tendency right now for companies in related but declining industries to declare victory. But I'll be very surprised if this is dominated by established players. I've yet to see that happen with any new media.Continue reading the main story
This is going to be driven by what people choose to do. People do not have any more time or more money. New products are going to have to replace things that they are doing and paying for now.
Q: About the graphical user interface, are you surprised that 10 years after the introduction of the Macintosh, and many more years after the work at Xerox, nothing new has supplanted pull-down menus and mice?
A: Desktop business computing is now a very mature market. We're past the point where innovation is very much rewarded there. The only way to introduce something new in that market is to make people sick of what they already have. On the other hand, there's a whole range of possibilities for the future.
Q: So you don't think the interface to the information superhighway will look like Macintosh or Windows?
A: No, I certainly don't, at least not for very long. There's a social contract between buyer and seller in a business computing device, which is that you are going to spend some time learning how to use this thing and you will get your money back in improved productivity. No such compact exists in consumer products. I'm not ready to declare anything a consumer product before it can be used without any learning period at all. After all, 35 millimeter cameras used to be business tools; before that they were enthusiast devices. Only now are they consumer devices.
Q: Is there an appropriate Government role in the creation of the information superhighway?
A: Mostly it can sponsor discussion and dialogue and be a clearing house for ideas and proposals. I don't feel comfortable asking government to choose a good technical approach, but it can provide a forum for that. I don't feel good about asking taxpayers to support the creation of infrastructure, but government can provide a forum so that private companies hear the concerns of the public.
Q: Is there a place for the classic "garage" startup?
A: In business computing you make something that is going to be used as a tool, so there is a very tangible target market. When you make something for consumers, it's really a hit you're looking for. You may fail four or five times, and then have that one hit that pays for all the failures. This doesn't fit the traditional model for startups, where you hope to build a business from one product. So there's both an opportunity and a need to separate authoring from publication. Development could be separate from selling and marketing. DAVID E. LIDDLE Born: Jan. 9, 1945; Detroit. Education: B.S., University of Michigan; Ph.D., computer sciences, University of Toledo. Noncomputer reading: "Animal Dreams," by Barbara Kingsolver. Drives: 1988 Ford Bronco II. Ideal escape: Santa Fe, N.M. Hobbies: Sailing, flying small planes. Workday: 8 A.M. to 7 P.M. Family: Married two years to "the redoubtable Ruthann Quindlen," a venture capitalist; two grown children from a previous marriage. PC: Apple Macintosh Powerbook Duo 230, Macintosh Quadra 950, EO 440.Continue reading the main story


text: A college boy Su-min is looking around paintings in a gallery when he hears someone screaming for help. That's where he first meets a high school girl, Hyun-jin. They soon meet again in a park, and she realizes he is gifted; he can read people's mind. He doesn't want to be near her but somehow he happens to talk with her all the time, which makes him confused. They unexpectedly run into a kidnappi

subset: commoncrawl


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When the calendar says it is January, it is weather- predicting time here in New Mexico. The oldtimers know the year's weather can be predicted by observing the "cabañuelas." My Ruben "Cobos Dictionary of New Mexico and Southern Colorado Spanish" defines cabanuelas as the name given to the first twelve days of the month of January. Each one of these days is supposed to show the kind of weather to be had during each of the twelve months of the new year."
If you currently subscribe or have subscribed in the past to the Las Vegas Optic, then simply find your account number on your mailing label and enter it below.
Click the question mark below to see where your account ID appears on your mailing label.
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text:
While the wraps were just taken off the all-new 2013 Nissan Altima this week at the New York auto show, the automaker has released pricing and information on when the sedan will go on sale. The fifth-generation sedan will start arriving in dealers as soon as July with a starting price of $22,280 (including $780 destination). As expected, it receives a bump in price of about $1000 over last year's model.
For 2013, Nissan redesigned the Altima inside and out with a more aerodynamic design, new interior features, and hardware tweaks. Standard on all models is a new Advanced Drive Assist Display which uses a 4-inch color screen to display trip information and navigation information in 3D-effect graphics. Also standard are new "neutral posture" shaped seats, Bluetooth connectivity and audio streaming.
Although the same 2.5-liter inline four and 270-hp 3.5-liter V-6 engines carry over to the new Altima, the 2.5-liter now produces 182 hp and, with a next-generation CVT, helps the 2013 Altima target 38 mpg. The 2013 will arrive in showrooms in July, and complete pricing on the seven sedan models can be found below:
Altima Sedan 2.5 $22,280
Altima Sedan 2.5 S $23,280
Altima Sedan 2.5 SV $24,880
Altima Sedan 2.5 SL $28,830
Altima Sedan 3.5 S $26,140
Altima Sedan 3.5 SV $28,560
Altima Sedan 3.5 SL $30,860
Source: Nissan


text:
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Originally posted by elouina
reply to post by MystikMushroom
Thanx for the attention and solving this. I watched every video some time ago, but wasn't looking for this shot in partcular. That was not kewl for them to do. We want factual info, not hype.
Originally posted by MystikMushroom
The image is from one of the videos on the video page. It's CGI. Watch the whole thing, there are credits at the end.
Originally posted by Chadwickus
reply to post by Ben81
Such a wild imagination.
This is a better representation of what it looks like...
Originally posted by Chadwickus
reply to post by Ben81
Let's not forget that several government's navies have carried out exercises in the area for over 40 years, including the US and Russia.
Don't you think that if there was anything important there, they would have already found it?
More information and pictures will be released next week.
Originally posted by eDrinker
My father sent me this article which looks like it might be the same thing:
Source: www.madrimasd.org...


text:
Jedox Shines with Excellent Financial Results
Record Results / Revenue of Eight Million Euros / Median Annual Growth 44.9%
Feb 04, 2013, 10:00 EST
FREIBURG, Germany, February 4, 2013 /PRNewswire/ --
Posting preliminary 2012 year-end results of eight million euros (2011: 5.7 million euros), Jedox AG has surpassed its own expectations-and those of its shareholders as well. Not to mention, despite continuing major R&D investments, the software specialist for BI and performance management solutions, based in Freiburg, Germany, is posting a profit.
"These outstanding results confirm that our dual strategy of free and fee-based premium business intelligence software is on track. And in 2013 we will continue to plug away to keep this success story going," commented Jedox CEO and founder Kristian Raue.
In detail, Jedox revenues grew an average of 44.9% annually in the past triennium. The ratio between software license revenue and consulting revenue is 60:40. In 2012, 118 new customers chose Jedox solutions. The ratio between direct sales and business partner revenue is 58 to 42 percent (in 2011, it was 70:30), moving Jedox closer to their mid-term goal of achieving sales parity between the two sales channels. 57 percent of Jedox AG sales were achieved in the German home market, while 43 percent were recorded internationally.
Jedox was able to grow beyond Germany's borders, too, acquiring 33 new partners in 2012-even beyond the German speaking countries of Europe-namely in Latin America, North America, Asia, Benelux, and Scandinavia. Explained Jedox Sales Chairman Bernd Eisenblätter, "In this new year a major goal of ours is to keep on pushing international business. We want to connect more and more business partners to our company. After all, it's largely thanks to our partners that Jedox software is now deployed in more than 100 countries around the world."
Contact Jedox AG:
Dr. Joachim Eicher
Tel. +49-761-15147-0
SOURCE Jedox AG


text:
When I Tell People I Work from Home
More and more people every day find themselves working a real job from home, but that is still a novel idea for most of the folks around them. Actually, my home office looks like this. And when I tell people I work from home, they assume I am a housewife and have plenty of time to drive them somewhere or volunteer for their community project. Link
Newest 5 Comments
Oh I wish I could work from home...... and by home I mean the bar across the street.
The "How I Really Work" almost nails it. Except there's no computer, I'm fully covered by the blankets, and there's a definite snoring sound coming from my vicinity.
I'll pass on the laptop. I need a full size keyboard to be efficient.
The lower right panel also needs screaming kids.
The lower right panel also needs screaming kids.
I actually work from home, and it's no different whatsoever than working in the office. My employer logs keystrokes and can see my production for each day. Corporate America would NOT let people work from home if they believed even for a second that they would be losing even 1% of the employees efficiency. To the contrary, most employees become more efficient from home, and the company even saves roughly 30% per employee on overhead. So yes, this graphic is pretty much true, everyone has their own opinion on what working from home is like, and almost everyone is wrong.
Oh, I disagree. Working at home is WAY better. I've worked in offices before. However, I have never worked in an office where my keystrokes were logged.


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One-week family cycling trip from Blois to Amboise Ref. : L29 STD
- from 620 € / person on the minimum basis of 2 pers.
Circuit :
- Difficulty :
- Duration : 7 days | 5 days riding
Departure :
from March 2018 to November 2019
- Book this trip Ask for an online quotation
- some questions about this trip ?
- See FAQS
- 33 (0)2 54 78 62 52
- Contact us
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Enjoy a memorable 7-day trip, at your own pace, with your family in the Loire Valley.
On the Loire à Vélo cycling paths and signposted itineraries, our short stages will bring you through the most prestigious chateaux: from Blois to the Chateau de Chambord, until the medieval city of Amboise, the last home of Leonardo Da Vinci.
You will follow the peaceful Loire River banks and ride through the enchanting Sologne Forest dotted with hidden treasures up to the Château de Cheveny / Captain Haddock's Marlinspike! For sure your children will appreciate the Natural Bathing Pool near Chambord which is a real environmental feat.
Your cycling tour in the Loire Valley:
Day 1: Arrival in Blois
Discover the charming town of Blois, as you stroll along its paved streets punctuated with staircases, and the château, a perfect illustration of how French architecture evolved between the Middle Ages and the 17th century.
Day 2: Blois – Bracieux | 29 km
This route will introduce you to the prestigious Chambord estate and château, a true masterpiece of French Renaissance style, boasting no less than 440 rooms and built during the reign of Francis I. You will stop over in Bracieux, a pretty little Sologne village which has preserved its magnificent 16th-century covered market.
Day 3: Excursion « Baignade Naturelle du Grand Chambord » et Cheverny | 30 km
Your bike excursion will bring you the Château de Cheverny, remarkable for its sumptuously furnished apartments, which gave Hergé the inspiration for Captain Haddock's Marlinspike.Then proceed towards a brand new Natural Bathing Pool! An astonishing open-air and organic swimming pool where you can rest and enjoy the surrounding wilderness (from June 25 to end of August).
Day 4: Bracieux – Chitenay | 35 km
Enjoy a ride along the small routes of Sologne, between forests and ponds, offering the opp ortunity to admire beautiful and tiny manorhouses such as château de Troussay, a charming Renaissance manor.
Don't hesitate to stop for a visit to a local wine producer to sample a glass of Cour Cheverny Blanc !
Day 5: Chitenay – Chaumont-sur-Loire | 30 km
Cross the vineyards of Cheverny to reach the Château de Fougères-sur-Bièvre, a small fortified castle which perfectly illustrates the local building arts of the 15th century. Then cycle towards the Loire river banks and reach Chaumont-sur-Loire, whose 15th-century château proudly dominates the town and the river. Don't miss the extraordinary "Festival des Jardins" garden festival between late May and mid-October!
Day 6: Chaumont sur Loire – Amboise | 19 km
For your last cycling day, follow the 'Loire à Vélo' cycling tracks before arriving in the charming town of Amboise with its royal château, where the greatest kings of France lived. Do not miss to visit the Manoir du Clos Lucé, the last home of Leonardo da Vinci, sheltering an astonishing collection of models representing the fabulous inventions of this Renaissance genius.
Day 7: Departure during the day
From March 1st 2018 to June 30th 2018 620,00 € Single room supplement : 230,00 € Bike discount : - 60,00 € (If you bring your own bike) 'Solo' Supplement : +60,00 € (Supplement to consider in case of solo traveler per booking)
From July 1st 2018 to August 31st 2018 650,00 € Single room supplement : 230,00 € Bike discount : - 60,00 € (If you bring your own bike) 'Solo' Supplement : +60,00 € (Supplement to consider in case of solo traveler per booking)
From September 1st 2018 to November 30th 2019 620,00 € Single room supplement : 230,00 € Bike discount : - 60,00 € (If you bring your own bike) 'Solo' Supplement : +60,00 € (Supplement to consider in case of solo traveler per booking)
- 6 nights' accommodation in 2-star and 3-star hotels (accommodation in a two-person bedroom)
- 6 'buffet' or 'continental' breakfasts
- 1 travel folder (itineraries in French or English / colour maps)
- Tourist documentation
- Luggage transfer during the day
- Equipped cycle hire for 5 days with helmet
- Hotline 7 days a week
- 6 dinners / Lunches / Drinks
- Tickets to attractions, tours of attractions, tasting
- Optional insurances (Cancellation Insurance OR Tranquility Insurance)
- Single room supplement (6 nights inclusive)
- Train transfer from Amboise to Blois
- Personal bike repatriation (rate on request)
> At the end of the tour:
. Leave your rented bike at the last hotel. We take care of its repatriation.
. Possibility to come back to Blois from Amboise by train : Amboise train station > Blois train station.
> Your rental bike:
VTC GITANE « Silence » bike - 21 speed gears
Equipped with : 2 rear panniers (saddlebags), 1 map holder, 1 repair kit, 1 pump, 1 lock + 1 counter.
Helmet and reflective vest included.
> You can rent an electric assistance bike!
GIANT « Esprit » or « Elégance » bike - 7 speed gears
Equipped with : 2 rear panniers (saddlebags), 1 map holder, 1 repair kit, 1 pump, 1 lock + 1 counter.
Helmet and reflective vest included.
See the FAQ for more information on the rental bikes.
How to arrive in BLOIS :
From A10 highway > Exit n° 17 « Blois ». Then follow direction « Blois Centre Ville ».
From Paris : Austerlitz train station > Blois train station.
Possibility of taxi transfer to the hotel from Blois train station: about €4 / €6.
. From Roissy CDG airport : Roissy Charles de Gaulle T.2 train station > St Pierre des Corps train station > Blois train station.
. From Orly airport or Beauvais airport: taxi or shuttle transfer : Austerlitz train station > Blois train station
. From Tours airport: taxi or shuttle transfer : Tours train station > Blois train station
. From Nantes airport: taxi or shuttle transfer : Nantes train station > Blois train station
JAN H (Allemagne) - June 2018
"Very enjoyable trip can recommend this company !"


text:
China shuns security talks with Seoul over US-deployed anti-missile defence
A Terminal High Altitude Area Defense (THAAD) interceptor is launched during a successful intercept test, in this undated handout photo provided by the US department of defense.world Updated: Sep 08, 2016 14:47 IST
China is shunning a security dialogue in Seoul amid an ongoing row over South Korea's decision to deploy a powerful US missile defence system.
China's official newspaper Global Times quoted an unidentified defense ministry spokesperson as saying China was not sending a delegation to this week's Seoul defence dialogue because of "reasons of work arrangement." It offered no other details.
China has angrily denounced plans for the deployment of the US Terminal High Altitude Area Defense, or THAAD system, whose radars it says will allow the US military to peer deep into northeastern China. Seoul and Washington say the system is intended solely to defend against North Korea's missile threat.
China elevated the issue on Monday, with President Xi Jinping expressing China's opposition directly in a meeting with his South Korean counterpart Park Geun-hye. Xi said that "mishandling the issue is not conducive to strategic stability in the region, and could intensify disputes."
Beijing's reaction has also stoked public outrage, threatening everything from tourism exchanges to appearances by K-pop stars in China. (AP) AYP
First Published: Sep 08, 2016 14:47 IST


text:
Mary checked me in and she is GREAT. Was shocked the suite was soooooooooooo big. The suite was...
Kid-Friendly Vegas Hotels
The Excalibur
Kid-Friendly hotels on the Vegas Strip
Several of the most iconic hotels on the Strip also happen to be some of the most kid-friendly hotels in Vegas. They also happen to be very reasonably priced. Which we love.
- Circus Circus Las Vegas: Room rates are dirt cheap at this old school Vegas Strip hotel, and kids are less likely to care about how posh your room is, and more about the indoor theme park with 25 rides and attractions, as well as the awesome Chuck Jones Experience. Despite its aging infrastructure, Circus Circus remains one of the more popular kid-friendly Vegas hotels.
- Excalibur Hotel and Casino: It's easy to verify the candidacy of the Excalibur as one of the best kid-friendly Vegas hotels just from the outside appearance. Inside, the Tournament of Kings dinner show and the Spongebob SquarePants ride and provide plenty of entertainment for the young ones.
- The Mirage: From the man-made volcano outside to the dolphin habitat and numerous kid-friendly shows like the recently closed Terry Fator and his Cast of Thousands, The Mirage is one of the more high end kid-friendly hotels in Las Vegas.
Golden Nugget Hotel & Casino
Off-Strip Kid-friendly Hotels
Bad influences are abound in Las Vegas, but what did you expect from vacationing in a place nicknamed Sin City? Here are a few of our picks when trying to get away from the madness and/or mayhem.
- Golden Nugget Hotel & Casino: This iconic Downtown Vegas hotel shines mostly because of its epic three-story water slide that goes through a shark tank. In addition, the Golden Nugget arcade adds plenty of fun.
- Trump International Hotel & Tower Las Vegas: Barely off of the Strip at all, Trump is one of the few kid-friendly Las Vegas hotels that is non-smoking and non-gaming. Several other free amenities geared towards babies and youngsters provide the subtle touches every parent needs.
- Cancun Resort: Another one of the kid-friendly hotels in Vegas that not many know about. However, Cancun Resort features two large pools, organized activities for kids, and apartment-style villas that are ideal for bringing the comforts of home to Vegas.
Sin City is not always an ideal place for the little ones, what with the smoking, drinking, gambling, and cards of naked women flick-flicking everywhere. Luckily, these kid-friendly Vegas hotels offer something for the children that makes Las Vegas a little more appropriate and a lot more fun.
|Hotel Information
|Hotel Rates
MGM Grand Vegas
User Reviews:Address: 3799 Las Vegas Blvd. South Las Vegas, NV 89109
15 Reviews
Wynn Las Vegas
User Reviews:Address: 3131 Las Vegas Blvd. South Las Vegas, NV 89109
12 Reviews
Circus Circus
User Reviews:Address: 2880 Las Vegas Blvd. South Las Vegas, NV 89109
8 Reviews
Excalibur Vegas
User Reviews:1 Promo Address: 3850 Las Vegas Blvd. South Las Vegas, NV 89109
2 Reviews
Mandalay Bay Resort & Casino
User Reviews:Address: 3950 Las Vegas Blvd. South Las Vegas, NV 89109
14 Reviews
Flamingo Las Vegas
User Reviews:Address: 3555 Las Vegas Blvd. South Las Vegas, NV 89109
2 Reviews
Bellagio Las Vegas
User Reviews:1 Promo Address: 3600 Las Vegas Blvd S Las Vegas, NV 89109
12 Reviews
Luxor Vegas
User Reviews:Address: 3900 S. Las Vegas Blvd Las Vegas, NV 89109
10 Reviews
The Mirage Las Vegas
User Reviews:Address: 3400 Las Vegas Blvd Las Vegas, NV 89109
14 Reviews
Paris Las Vegas
User Reviews:Address: 3655 Las Vegas Blvd. South Las Vegas, NV 89109
4 Reviews
Rio Las Vegas
User Reviews:Address: 3700 W Flamingo Rd Las Vegas, NV 89103
5 Reviews
Las Vegas Suites
User Reviews:Address: 145 East Harmon Avenue Las Vegas, NV 89109
0 Reviews
Whether you're looking to stay on the Strip or in Downtown Vegas, kid-friendly hotels in Vegas are available with solid locations and fair prices. The shows, attractions, exhibits, and various kid-friendly themes will make your trip to Las Vegas fun for the whole family.
If you're looking for attractions and rides, New York New York and The Excalibur are examples of kid-friendly hotels in Vegas that feature on-site attractions. However, it can also be desirable to seek out a non-gaming, non-smoking establishment like Trump International Hotel & Tower Las Vegas.
Choosing a hotel with a greatVegas pool can also be a factor during the summer months. Many kid-friendly Las Vegas hotels even feature giant slides or other fun aquatic perks.
Regardless of which kid-friendly Vegas hotels you wind up frequenting, be sure to check out our Las Vegas promo codes for the best deals. Just because Las Vegas is Sin City doesn't mean there can't be fun for the whole family!


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Kevin A. Marti Elected Chair of the American Fraternal Alliance Board
Kevin A. Marti Elected Chair of the American Fraternal Alliance Board
President & CEO, Gleaner Life Insurance Society, to serve as Chair of the Board.
OAK BROOK, IL, September 11, 2017 – The American Fraternal Alliance announces that Kevin A. Marti, President & CEO, Gleaner Life Insurance Society, was elected Chair of its Board of Directors. Marti was installed in this Alliance office at the 2017 Annual Meeting, September 8, in Chandler, Arizona.
"The Alliance and its member societies congratulate Kevin on his election to serve as Chair of the Board," said Alliance President and CEO Joseph J. Annotti. "The Alliance has had a long history of strong leadership and Kevin will be a key player in our efforts to move the Alliance and the fraternal benefit system forward with innovation and strategic thinking. The Alliance and its Board of Directors are dedicated to providing our members with the tools they need to thrive as modern and financially sound fraternal benefit societies."
As Chair of the Alliance Board, Marti leads the Alliance's Board of Directors, provides oversight and counsel for Alliance staff, leads policymaking decisions and represents the fraternal benefit system at both insurance industry and fraternal gatherings throughout the United States. On behalf of the Alliance, he represents 63 member societies with nearly 8 million members. Fraternal benefit societies are not-for-profit membership organizations offering volunteer, social and networking opportunities, along with insurance and other financial products.
During his installation as Chair, Marti shared his vision of a more streamlined Alliance with a stronger focus on advocacy, at both the federal and state level, and a commitment to stable and innovative leadership for both the Alliance and its member societies.
Since June of 2012, Marti has served as the ninth president and CEO of Gleaner Life Insurance Society. He earned a bachelor's degree in actuarial science from Ball State University in Muncie, Indiana, where he graduated summa cum laude. He holds the designations of Chartered Life Underwriter, Chartered Financial Consultant, and Fellow of Society of Actuaries (FSA), and is a member of the American Academy of Actuaries. Kevin is dedicated to the mission of the Alliance and committed to the future success of the fraternal benefit system and societies across the U.S. and Canada.
About Gleaner Life Insurance Society Founded in 1894, Gleaner Life Insurance Society is a nationally recognized not-for-profit fraternal benefit society. Gleaner Life assists its members in achieving their financial security goals through a broad range of life insurance and annuity products. As a fraternal organization, Gleaner Life provides volunteer opportunities and support outreach programs, which make a difference in the lives of our members and their communities.
About the American Fraternal Alliance
The American Fraternal Alliance promotes and supports the missions of its 63 not-for-profit fraternal benefit society members operating in 50 states, the District of Columbia and Canada. Fraternal benefit societies are a different kind of life insurance provider, securing members' futures through reliable financial service offerings, and giving back to their local communities through meaningful volunteer activities. Alliance member societies represent nearly 9 million individuals, making it one of America's largest member-volunteer networks.
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text:
Local Sports Digest
By News-Argus Staff
Published in Sports on April 27, 2008 2:04 AM
From staff reports
Janielle Daniel punched in two goals as Eastern Wayne thrashed Kinston 5-0 in a Class 3-A Eastern Carolina Conference women's soccer match Friday evening.
It was the regular-season finale for both teams.
The Warriors (9-6 overall, 7-3 ECC) clinched the No. 2 seed and a first-round bye for the conference tournament, which kicks off Tuesday. They will play host to the Wilson Beddingfield-Southern Wayne winner in the semifinals on Wednesday.
Daniel broke the scoreless tie in the 33rd minute off an assist from Crystal Lemmon.
Cady May opened the second-half scoring with an unassisted goal in the 42nd minute. Kesley Griffith found the back of the net six minutes later off Mary Catherine Howell's assist.
Daniel collected her second goal in the 58th minute. Deborah Doran closed out the Warriors' road victory with a goal off Lemmon's assist in the 63rd minute.
Eastern Wayne owned an 18-2 edge in shots and 6-1 advantage in corner kicks.
Kinston (3-10-2, 2-7-1) faces fourth-seeded Charles B. Aycock in a first-round tournament match Tuesday.
CBA gets shutout
DUDLEY -- Taylor DeMartini strikes again.
A sophomore midfielder, DeMartini notched her second game-winning goal in as many outings in C.B. Aycock's 1-0 victory over Eastern Carolina 3-A Conference rival Southern Wayne.
The Golden Falcons (7-9-2 overall, 4-5-1 ECC) play Kinston in a first-round, ECC tournament game on Tuesday. The sixth-seeded Saints (1-12, 0-10) oppose third-seeded Wilson Beddingfield.
The semifinals are Wednesday at Eastern Wayne.
Courtney Sheeks earned the shutout in goal for the Golden Falcons.
Hawks cruise
LaGRANGE -- Kristen Davenport smacked a grand slam and finished with five RBI during North Lenoir's 17-2 rout of Eastern Plains 2-A Conference foe North Pitt.
Davenport ended the 41/2-inning contest with three hits.
Courtney Hill batted 2-for-4 with three RBI. Nicole Howard added three hits and an RBI, while Taylor Sutton contributed two hits and an RBI.
North Lenoir (14-4 overall, 8-0 EPC) visits Goldsboro on Tuesday. A victory assures of the Hawks of at least a share of the EPC regular-season championship.
Conquerors roll
Pitchers Jennifer Christopher and Elizabeth Weeks combined for nine strikeouts in Faith Christian's 16-1 romp over Mt. Calvary in their N.C. Christian Schools Association Coastal Region 2-A East game.
Christopher, Brooke Anderson and Kaitlyn Floars pounded out two hits apiece for the Conquerors.
Faith Christian plays Trinity Christian-Greenville on Monday.
Rosewood prevails
SEVEN SPRINGS -- Rosewood ended a three-game skid with an 8-1 victory over Carolina 1-A Conference rival Spring Creek.
The Eagles (4-10 overall, 3-4 Carolina) snapped a string of 21 scoreless innings after consecutive shutout losses to Princeton, Ayden-Grifton and North Johnston.
Ivy Campbell scored the Gators' lone run.
Jags top Cougars
Martinique Thomas batted 2-for-2 and Goldsboro turned two double plays defensively during its 13-0, five-inning loss to Farmville Central on Friday afternoon.
Dominique Sauls and Jenika Williams added one hit apiece for the Cougars, who fell to 0-10 overall and 0-7 in the Eastern Plains 2-A Conference.
"Our girls gave a great effort and played hard," said first-year Goldsboro coach T.J. Lancaster. "We lost focus in the second inning and gave up six runs after we had gotten two outs."
The Cougars entertain North Lenoir at 5 p.m. Tuesday.
Eagles are perfect
SMITHFIELD -- Cynthia Burroughs and Kayla Kennedy combined for a perfect game in the pitcher's circle as Wayne Christian hammered Johnston Christian 15-0 on Friday afternoon.
Traci Davis and Carly Hightower spearheaded the Eagles' 11-hit attack with three hits apiece. Burroughs added a triple in the contest, which was shortened to three innings due to the mercy rule.
Wayne Christian (11-2 overall) visits 2-A powerhouse Fayetteville Christian on Monday.
W. Christian dominates
SMITHFIELD -- Jeremy Jefferson crushed a home run as Wayne Christian dismantled Johnston Christian 21-0 in a Carolina Christian 1-A Conference contest Friday afternoon.
Jefferson and Adam Brannan combined for a three-hitter in the contest, which was shortened to four innings due to the 10-run mercy rule. Jefferson permitted two hits and logged four strikeouts, while Brannan allowed one hit to go with two strikeouts.
Steven Gallagher emerged the Eagles' offensive leader with three hits in three at-bats. Brannan and Donte Arthur contributed two hits apiece.
Wayne Christian (10-2 overall, 7-0 CCC) puts its 31-game CCC win streak on the line at home Monday against Community Christian.
N. Lenoir triumphs
BETHEL -- North Lenoir clinched a share of its fourth consecutive Eastern Plains 2-A Conference championship with a 12-1, six-inning victory over North Pitt on Friday evening.
Mike Wetherington threw a complete-game, two-hitter for the Hawks, who improved to 14-1 overall this season. He posted six strikeouts and surrendered one earned run.
John Alphin, C.C. Croom (three RBI) and Carter Capps (two RBI) cranked out three hits apiece. Alphin and Capps also tripled.
North Lenoir (8-0 EPC) is the guest of Goldsboro on Tuesday.
Chargers stopped
ROCKY MOUNT -- Faith Christian profited from four errors in a three-inning stretch and cruised past Wayne Country Day 14-3 on Friday afternoon.
Cameron Strickland (double) and Cory Robert led the Chargers with two hits apiece. Ryan Ford doubled, while Kevin Herring drove in a run. Cameron Ford provided one hit.
The Fords combined to give up nine hits in the five-inning affair.
Wayne Country Day (5-10 overall) dropped to 3-3 in Coastal Plains Independent 1-A Conference play. The Chargers visit perennial 1-A power Waccamaw Academy on Wednesday. First pitch is 4 p.m.
GHS falls
Alex Aldridge recorded Goldsboro lone's hit in an 18-0, five-inning loss to Farmville Central on Friday afternoon.
Donald Lewis threw two scoreless innings for the Cougars.
Goldsboro fell to 0-13 overall and 0-7 in the Eastern Plains 2-A Conference.
In Friday's edition of the News-Argus, sixth-seeded Timmy Parker was inadvertently omitted from the Eastern Wayne-Kinston men's tennis results.
Parker won 6-1, 6-1 as the Warriors defeated the Vikings 9-0 and not 8-1, as reported.
The News-Argus regrets the mistake and any inconvenience it might have caused.
JV sports
* Wayne Christian baseball 19, Bethel Christian 4 -- Chase Darden, Ryan Cooke and Caleb Nelson each smashed an inside-the-park home run for the Eagles. Kyle Sasser logged five strikeouts in three innings on the mound. Wayne Christian (4-7 overall) visits Cape Fear Christian on Monday.
Middle schools
* Rosewood softball 13, Spring Creek 0 -- Janna Price had two hits for Spring Creek and Ashley Parks added one.
* Spring Creek baseball 15, Rosewood 3 -- Zack Harrell and Adam Haggerty led the Gators with two hits each. Spring Creek (9-2-1 overall) travels to Mount Olive on Monday.
Other Local Sports
- Wayne County rally falls short
- Wayne County 10U All-Stars advance
- OUTDOORS - Ladyfish pack big bite
- senior legion boxscore
- Junior legion teams enjoy victories
- Edenton takes series lead against Wayne County
- Wayne North avenges loss to Wayne South
- Zach Wright will play in showcase game
- OPINION- Some athletes should fade away
- Edenton beats Post 11 to even series


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With less than a month to go before President Obama is required by law to submit a budget to Congress (February 6th), Mr. Obama's decision today to make Jack Lew White House chief of staff leaves deputy director of the Office of Management and Budget (OMB) Heather Higginbottom to take Mr. Lew's place as the director of OMB.
As The Hill newspaper reports, Ms. Higginbottom has only served one month in her present role as deputy director of OMB and is considered a "controversial appointee" due to her thin-some would say "nonexistent"-budgetary resume. Prior to becoming deputy director of OMB, Ms. Higginbottom was a deputy policy adviser to President Obama and worked on his campaign as a policy director.
Read more at Big Government.


text:
Updated 03/19/2018 - Return to Index
Indicates new addition since last update
|Filing Standards - Policy forms and endorsements may not be unjust, unfair, inequitable, misleading or deceptive.
|Prior Approval of Policy Forms and Endorsements
|Chapter 2301, Texas Insurance Code
|An insurance policy form or endorsement may not be delivered or issued for delivery in this state unless the form has been filed with and approved by the commissioner. Each filing shall be made not later than the 60th day before the date of any use or delivery for use.
|Regulation of Umbrella Liability Insurance
|28 TAC, Subchapter B, Division 2, §5.1201, Texas Administrative Code
|Specifies procedures and requirements for insurers writing personal and commercial umbrella liability insurance in Texas.
|Disapproval of Forms; Withdrawal of Approval
|§2301.007, Texas Insurance Code
|The commissioner may disapprove a form filed under §2301.006 or withdraw approval of a form if the form (1) violates any law, including a rule adopted under the Texas Insurance Code, or (2) contains a provision or has a title or heading that is unjust or deceptive, encourages misrepresentation, or violates public policy.
|Not Required to be Filed for Approval Unless Being Made a Part of the Policy.
|Limited to Coverage Disputes
|Chapter 2301, Texas Insurance Code
|Voluntary, post dispute arbitration only. May be either binding or non-binding.
|Automobile Requirements
|Total Auto Exclusion
|28 TAC, Subchapter B, Division 2, §5.1201, Texas Administrative Code
|Total auto exclusion endorsement - confirm use of the exclusion will be only if there is no exposure. Endorsement must include "when coverage is not included in any underlying insurance".
|Underlying Auto Limits
|28 TAC, Subchapter B, Division 2, §5.1201(e), Texas Administrative Code
|Rules must reflect minimum underlying auto limits of 100/300/25 or 325 CSL for Personal Umbrella.
|Cancellation & Nonrenewal
|Cancellation & Nonrenewal of Certain Liability Insurance Coverage
|§§551.051 - 551.055 & §551.004, Texas Insurance Code
|Cancellation and nonrenewal of certain liability insurance policies.
|Elected Officials
|§§551.151 & 551.152, Texas Insurance Code
|May not cancel or nonrenew based solely on the fact the insured is an elected official.
|Insured's Right to Cancel
|Chapter 2301, Texas Insurance Code
|Insurance company cannot limit or restrict the insured's right to cancel a policy.
|Voiding Coverage
|Chapter 705, Texas Insurance Code
|"Void Coverage" language must comply with Chapter 705, Subchapter A, and the misrepresentation must be material.
|Choice of Law
|Texas Laws Govern Policies
|Article 21.42, Texas Insurance Code
|Texas must be choice if filing contains choice of law provision.
|Claims Settlement
|Prompt Payment of Claims
|§§542.051 - 542.061, Texas Insurance Code
|Prompt payment of claims. (1st Party Coverage - "Pay to," "indemnify," or "reimburse" the insured. Not "pay on behalf of".)
|Notice of Settlement of Liability Claims
|§§542.151 - 542.154, Texas Insurance Code
|Notice of settlement of claim under casualty insurance policy. EXCEPTION - This article does not apply to a casualty policy that requires the insured's consent to settlement of a claim against the insured or to fidelity, surety, or guaranty bonds.
|Contractual Limitations Period - Suits
|§16.070, Civil Practice & Remedies
|Except as provided by Subsection (b), a person may not enter a stipulation, contract, or agreement that purports to limit the time in which to bring suit on the stipulation, contract, or agreement to a period shorter than two years. A stipulation, contract, or agreement that establishes a limitations period that is shorter than two years is void in this state. The Texas Third Court of Appeals issued an opinion that acknowledges that the language providing 2 years and 1 day from the date the cause of action first accrues satisfies the statutory requirement of §16.070, Civil Practices and Remedy Code. ( http://www.search.txcourts.gov/Case.aspx?cn=03-08-00408-CV) Case #03-08-00408-CV
|Notice Requirements
|§16.071, Civil Practice & Remedies
|A contract stipulation that requires a claimant to give notice of a claim for damages as a condition precedent to the right to sue on the contract is not valid unless the stipulation is reasonable. A stipulation that requires notification within less than 90 days is void.
|Coverage Issues
|Defense & Supplementary Payments
|28 TAC, Subchapter B, Division 2, §5.1201(d)(2), Texas Administrative Code
|It is optional whether umbrella liability insurance policies provide for defense as a coverage. However, the policy must clearly state if defense is provided. The policy should include the language "will defend" or "shall defend" in lieu of "may defend". If defense is provided, coverage must include the seven supplementary payment items and defense must be outside the policy limits. There can be no cap on amount of loss of earnings paid to the insured.
|Continuous or Repeated Trigger / Revised Definition of Occurrence
|Chapter 2301, Texas Insurance Code
|If the coverage form or endorsement contains a provision amending the insuring agreement or the definition of occurrence to limit or eliminate coverage for continuous or repeated trigger losses, the restriction must be limited to that injury or damage "KNOWN" to the insured.
|Examination Under Oath
|Chapter 2301, Texas Insurance Code
§151.001(a)(7), Texas Family Code
|If policy language requires examination under oath, the provision must also state that a parent or guardian may be present during any examination of a minor.
|Notice of Occurrence
|Chapter 2301, Texas Insurance Code
|Notice of occurrence in policy conditions should specify "as soon as practicable".
|Punitive / Exemplary Damages
|Chapter 2301, Texas Insurance Code
|Exclusions may be considered with appropriate rate consideration and rate analysis. A "rate analysis" is the company's actuarial justification for the rate consideration given, or not given, for use of the exclusion. This would include the reasons for the amount of any rate credit or the justification for the position that no rate credit is given. Endorsements will not be approved until P&C Actuarial acknowledges that the rates are acceptable. NOTE: Approval of a punitive/exemplary damage exclusion does not relieve an insurer of any contractual obligation to defend which may otherwise exist in the policy.
|Compensatory Damages
|Chapter 2301, Texas Insurance Code
|If insuring agreement specifies policy pays for only compensatory damages, rate consideration may be necessary as policy may not cover non-compensatory damages such as punitive exemplary damages.
|Abuse, Physical Abuse or Molestation Exclusions
|Chapter 2301, Texas Insurance Code
|If policy or endorsement contains this type exclusion, definition of "abuse" in abuse, physical abuse, or molestation exclusion must be included. Must include wording, "For purposes of this endorsement, abuse means an act which is committed with the intent to cause harm."
|Communicable Disease Exclusion
|General Casualty Bulletin No. 708
|TDI will not approve a communicable disease exclusion, unless it is limited to disease transmitted through sexual contact.
|Asbestos, Silica, Lead and Total Pollution Exclusions
|Chapter 2301, Texas Insurance Code
|These type exclusions will only be considered for approval if the request for approval of the coverage form/endorsement is accompanied by corresponding rate consideration and rate analysis. A "rate analysis" is the company's actuarial justification for the rate consideration given, or not given, for use of the exclusion. This would include the reasons for the amount of any rate credit or the justification for the position that no rate credit is given. Forms/endorsements will not be approved until P&C Actuarial acknowledges that rates are acceptable. Must attach a disclosure form to every policy to which the exclusion is attached. The disclosure form does not have to be signed by the insured.
|Nuclear Energy Liability Exclusion
|General Casualty Bulletins Nos. 547 & 548
|If there is a Nuclear energy liability exclusion endorsement, must include definition of "waste" as per General Casualty Bulletins 547 & 548.
|Fully Earned Premium/Retention of Minimum Earned Premium
|Fully Earned Premium / Retention of Minimum Earned Premium
|Chapter 2251 & Chapter 2301, Texas Insurance Code and 28 TAC §5.9320, Texas Administrative Code
|TDI will consider approving fully earned premium only for risks with exposure during a period certain, such as special events and weather policies.
TDI will consider approving minimum earned premium only if it is a nominal amount.
The company must file appropriate rates associated with a minimum or fully earned premium.
|General Change Endorsements
|May Not Manuscript Coverage Once Approved
|Chapter 2301, Texas Insurance Code
|Coverage forms are prior approval. Change endorsements may be used to change insured address, etc. but may not be used to change, alter or "clarify" coverage in any way. Company must provide verification that the endorsement will not be used to change, alter, or clarify coverage. Will be considered violation of prior approval laws.
|Rebating or Discrimination
|Prohibited Practices and Rebates Related to Policies
|Chapter 1806, Texas Insurance Code
|Inducements prohibited.
|Toll Free Information
|Notice to Accompany Policy
|§521.005, Texas Insurance Code
|Texas Insurance Code requires a brief written notice of suggested procedure to be followed by the policyholder in the event of a dispute concerning a policyholder's claim or premium. The notice must include the name and address of the Department and the toll-free telephone number maintained under §§521.051 - 521.056, Texas Insurance Code.
|Department Toll-Free Number for Information and Complaints
|§§521.051 - 521.056, Texas Insurance Code
|Toll-Free number for the Texas Department of Insurance.
|Insurer Toll-Free Number for Information and Complaints
|§§521.101 - 521.103, Texas Insurance Code
|Insurer's requirement to maintain toll-free number to provide information concerning policies issued by the insurer and to accept complaints from policyholder. Article contains an exception for insurers whose gross initial premium receipts collected in this state are less than $2 million a year.
|Notice of Toll-Free Telephone Numbers and Information & Complaint Procedures
|28 TAC §1.601 & §1.602, Texas Administrative Code and Commissioner's Order 3952
|To satisfy requirements for §521.005, §§521.051 - 521.056, and §§521.101 - 521.103 noted above.
|Texas Lloyds, Mutual, Reciprocals and Participating Stock Cos.
|Special Policy Conditions
|General Casualty Bulletins Nos. 276, 443, and 446
|Requiring specific language be contained in policies issued by Lloyds, Mutuals, Reciprocals, and Participating Stock Companies.
|Filing Standards
|File & Use
|Chapter 2251, Texas Insurance Code
|Each insurer shall file with the Commissioner all rates, supplementary rating information, and reasonable and pertinent supporting information for risks written in this state.
|Filing Standards
|File & Use
|Chapter 2301 & Chapter 2251, Texas Insurance Code
|Manual rules should reflect specific requirements for usage of policy forms, endorsements, and disclosures.
|Required Documentation
|Refer to Property & Casualty Filings Made Easy
|Go to Property & Casualty Filings Made Easy now


text:
2013 EMEIA Fraud Survey
Navigating today's complex business risks
The level of pressure on today's business is beyond doubt. There is instability across many markets, sluggish or minimal growth in others and an aggressive enforcement environment around the world.
Our survey asked over 3,000 board members, executives, managers and their teams across 36 countries about the nature of this pressure. The results make for uncomfortable reading.
In this report, we discuss three clear messages that are delivered through the survey:
- Feeling the pressure. Executives and their teams are under increased personal pressure to produce growth and profit in extremely challenging conditions.
- Unethical business practices — spotlight on fraud. Unethical conduct — including fraud, bribery and corruption — in response to this pressure is not just a hypothetical risk. One in five respondents have seen financial manipulation occurring in their companies. Fifty-seven percent believe that bribery and corruption are widespread in their countries.
- Compliance programs work, but not well enough. Companies that do not keep asking the right questions — and demanding answers — are exposing themselves to significant risk.
Q: To what extent do you agree or disagree with the following statement? Managers at our business will be under increased pressure to deliver good financial performance over the next 12 months.
Navigating the risks
We find that businesses that manage the risk of fraud, bribery and corruption most effectively share some common features:
They own the problem. Boards and senior management acknowledge that the risk is real for them and their business.
They deal with the issues. Teams across businesses, functions, geographies and grades understand that the risks are relevant to them and their work.
They communicate the risks and the benefits. The costs of fraud, bribery and corruption are understood at an individual level. Behavior is not only limited by controls, but is driven by a common culture.
They focus effort. Squeezing efficiencies out of shrinking resources is a necessity in today's environment. Identifying specific risks and focusing resources on these is therefore increasingly important.
They ask questions and demand answers. Management is not afraid to ask difficult questions or turn over stones, knowing that what is hidden cannot be ignored.
The message from our survey is this: businesses face significant threats and must be aware and take action to navigate these risks.
Base: Ireland (100); Greece (100); Russia (100); Norway (100); Nigeria (103); South Africa (100); Kenya (100); India (100)


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Scores based on 125 reviews
Invoice history based on 104 reviews.
Company founded in 2007 I have 15 years experience of plastering and painting and decorating. I am very precise in the work I do. And I like to do a perfect job every time. because if the customer is happy then I am happy.
My main work consists of skimming, rendering, and painting and decorating. I also undertake subsidence work including crack repairs.
Basildon and all other Essex areas. Braintree, Chelmsford, Harlow, London, Maldon.


text:
Class meets 11:00 am - 11:50 am MWF.
Labs meet M 3:00 - 4:50 pm, T 1:00 - 2:50 pm, T 3:00 - 4:50 pm, W 2:00 - 3:50 pm, R 3:00 - 4:50 pm.
This course is designed to introduce the student to the basic concepts of physics. We will cover electricity and magnetism, as well as introductory optics.
Grading: Labs – 15%, Quizzes & Participation – 15%, Exams (2 @ 20% each) – 40%, Final – 30%
Course Website: This course will make use of WebCT / Blackboard for supplemental instruction.
Expectations: Students should read the chapters to be covered on a particular day prior to coming to class. We will not discuss all of the written material covered in the text during class, but you will be held accountable for knowing this material. Most of the time in class will be spent on problem solving.
Late work will not be accepted.
Plagiarism is the use of someone else's thoughts, words, ideas, or lines of argument in your own work without appropriate documentation (a parenthetical citation at the end and a listing in "Works Cited")-whether you use that material in a quote, paraphrase, or summary. It is a theft of intellectual property and will not be tolerated, whether intentional or not.
As an MSU Student, I pledge not to lie, cheat, steal, or help anyone else do so."
As students at MSU, we recognize that any great society must be composed of empowered, responsible citizens. We also recognize universities play an important role in helping mold these responsible citizens. We believe students themselves play an important part in developing responsible citizenship by maintaining a community where integrity and honorable character are the norm, not the exception.
Thus, We, the Students of Midwestern State University, resolve to uphold the honor of the University by affirming our commitment to complete academic honesty. We resolve not only to be honest but also to hold our peers accountable for complete honesty in all university matters.
We consider it dishonest to ask for, give, or receive help in examinations or quizzes, to use any unauthorized material in examinations, or to present, as one's own, work or ideas which are not entirely one's own. We recognize that any instructor has the right to expect that all student work is honest, original work. We accept and acknowledge that responsibility for lying, cheating, stealing, plagiarism, and other forms of academic dishonesty fundamentally rests within each individual student.
We expect of ourselves academic integrity, personal professionalism, and ethical character. We appreciate steps taken by University officials to protect the honor of the University against any who would disgrace the MSU student body by violating the spirit of this creed.
Written and adopted by the 2002-2003 MSU Student Senate.
The Americans with Disabilities Act (ADA) is a federal anti-discrimination statute that provides comprehensive civil rights protection for persons with disabilities. Among other things, this legislation requires that all students with disabilities be guaranteed a learning environment that provides for reasonable accommodation of their disabilities. If you believe you have a disability requiring an accommodation, please contact the Disability Support Services in Room 168 of the Clark Student Center, (940) 397-4140.
The professor considers this classroom to be a place where you will be treated with respect as a human being - regardless of gender, race, ethnicity, national origin, religious affiliation, sexual orientation, political beliefs, age, or ability. Additionally, diversity of thought is appreciated and encouraged, provided you can agree to disagree. It is the professor's expectation that ALL students consider the classroom a safe environment.
All instructors in the Department have voicemail in their offices and MWSU e-mail addresses. Make sure you add your instructor's phone number and e-mail address to both email and cell phone lists of contacts.
While attendance is not factored into your grade directly, you must attend class regularly if you hope to do well. Tests can only be made up if you have an excused absence (considered on a case by case basis). Any planned absences from class should be discussed with the instructor beforehand if you are going to be missing a graded activity (e,g, test, quiz, etc.) so that make-up plans (if approved) may be arranged. Excused absences include university sponsored events, illness, and the death of an immediate family member (parents, children, siblings, etc.).
Class participation points cannot be made up (not even with an excused absence). The grading scale for the participation points is as follows, according to the total percentage of points earned: 80% or more = 15 points, 70% to 80% = 12 points, 60% to 70% = 9 points, 50% to 60% = 6 points, 40% to 50% = 3 points, below 40% = 0 points.
Lab: All lab assignments must be completed during the lab period unless otherwise noted. If you cannot attend your normal section at any time, please try to attend the other section of the same week. If this is not possible and you have an excused absence from ALL AVAILABLE LAB SECTIONS, you must make arrangements with the TA to make-up the lab within ONE WEEK. Labs will meet in McCoy 203.
Cheating and plagiarism will not be tolerated. You may work together in pairs in lab, but you must submit your own work.
Please turn off your cell phone (or put in silent mode) while in lecture or lab.
Note: In accordance with the law, MSU provides students with documented disabilities academic accommodations. If this applies to you, please contact me.
All students seeking a Bachelor's degree from Midwestern State University must satisfy a writing proficiency requirement once they've 1) passed the 6 hours of Communication Core and and 2) earned 60 hours. You may meet this requirement by passing either the Writing Proficiency Exam or English 2113. Please keep in mind that, once you've earned over 90 hours, you lose the opportunity to take the $25 exam and have no option but to enroll in the three-credit hour course. If you have any questions about the exam, visit the Writing Proficiency Office website at https://mwsu.edu/academics/wpr, or call 397-4131.
Senate Bill 11 passed by the 84th Texas Legislature allows licensed handgun holders to carry concealed handguns on campus, effective August 1, 2016. Areas excluded from concealed carry are appropriately marked, in accordance with state law. For more information regarding campus carry, please refer to the University's webpage at https://mwsu.edu/campus-carry/rules-policies.
If you have questions or concerns, please contact MSU Chief of Police Patrick Coggins at email@example.com.
© 2017 Midwestern State University™ | Sitemap


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4 Steps to Buying a Home
October 27, 2014 by CreditFirm.net
Filed under Blogs, Real Estate
by: Michael Creditfirm.
Owning a home is one of the most rewarding experiences that you can ever have. But, before you start looking through home listings and going to open houses there are a 4 steps which you will need to take to be ready to buy your dream house.
1. Check Your Credit
Your credit score will play a very big part in determining whether you qualify for a mortgage, the maximum loan amount, and the down payment which you will need in order to buy a home. The higher your credit score, the better the terms of the loan and the lower your interest rate.
If your credit scores are too low or aren't as high as you would like them to be, you can hire a credit repair agency like CreditFirm.Net to help you increase your credit scores.
2. Find Your Price Range
If you're like most people, your going to need to fit your monthly mortgage payment into your budget. Figure out what you can afford to pay every month on your home and extrapolate that into the total price of the home which you will be looking for. This is where the down payment and interest rate comes into play. The better your credit score, the lower the down payment and interest rate, and the more you will be able to afford.
3. Get Pre-Approved
Find an experienced Loan Officer/ Mortgage Broker who will be able to get you pre-approved for a mortgage. The loan officer will take all of your information, check your credit, and tell you what amount you are pre-approved to purchase. This way, you will now be able to look for a home care-free, knowing exactly what amount you can have financed through a lender. You will also be looked at as a more serious buyer because you are already pre-approved for a mortgage and will be able to complete the buying process a lot faster than someone just starting out. This fact alone can save you thousands of dollars as you negotiate the final price of the home with the seller.
4. No Surprises
Once you find your dream home, agree on the price, and get the mortgage underwriting process going, it's important to be as stable as possible before the closing. Lenders don't want to see any surprises during the underwriting of your home loan. Incurring new debt such as purchasing a car, appliances, or furniture can throw your debt-to-income ratio out of whack and stop the entire process. So for the sake of your dream home, don't buy anything on credit, don't close any accounts, don't even apply for new credit, until after you close on your home and have your keys in hand.
Getting your credit in order before you start the home buying process is not only smart, it can save you months of paperwork and thousands of dollars.
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 3-5 days.
Support. Award winning customer service guarantees your satisfaction.
Banks Relaxing Credit Score Standards
January 28, 2014 by CreditFirm.net
Filed under Blogs, Credit Score, Real Estate
by: Michael Creditfirm.
As interest rates continue to increase in 2014, mortgage lenders have begun to relax their credit score requirements for borrowers. In fact, the average credit score of an approved borrower fell by 21 points from 748 to 727 over the last year.
That same report also showed that the average debt to income ratio on approved home purchases increased from 34% to 39%. And the debt to income ratio on refinances increased form 33% to 41% from a year ago.
The strict lending practices from 2013 have shown to be paying off for lenders as mortgages originated in 2013 have been performing better than any year on record. This fact, in and of itself, proves that lending practices need to be loosened.
With lenders looking for borrowers that have excellent credit, a high income, and a large down payment, many consumers are being left behind and forced to rent through one of the best home buying markets in the last 50 years.
But, borrowers can still qualify for an FHA backed mortgage which only requires a 3.5% down payment.
The average credit score for an approved FHA home loan actually decreased from 699 to 690 over the last year. While the average credit score of a denied FHA home loan increased from 658 to 670.
The newly relaxed standards show that lenders are more willing to lend to borrowers with lower credit scores, but not much lower than before.
*Statistics from the Ellie Mae Mortgage Origination Report
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 5 days.
Support. Award winning customer service guarantees your satisfaction.
Getting Your Credit Ready To Buy A Home
December 5, 2013 by CreditFirm.net
Filed under Blogs, Credit Repair, Real Estate
by: Michael Creditfirm.
With interest rates and home prices so low, and rental prices so high, you may finally be considering buying a home.
And although purchasing a house is one of the best investments you can ever make, getting a mortgage in today's economy is becoming more and more difficult.
So how do you get your credit ready to buy a home?
Here are 4 tips to help you improve your chances of getting a mortgage within the next 12 months.
1. Pay your bills on time.
Payment history makes up 35% of your credit score, and although you may have had past issues with paying your bills on time, stringing together a full year of on-time payments will show lenders and creditors that you have made a commitment to get your finances in order. The greatest benefit of paying your bills on time will of course be to your credit score.
2. Limit your inquiries.
Inquiries account for approximately 10% of your credit score and having too many of them will lower your credit and make it a lot more difficult to obtain a mortgage. So make a commitment to stop applying for credit for a period of 12 months. This means no new cell phones, credit cards, or any other loans where your credit will need to be checked.
This may not be the easiest thing to do, but consider that after just 12 months, you will be in a prime position to get the home of your dreams.
So practice some self control and don't incur any new inquiries.
3. Pay Down your Debt.
If you have debt, whether it is credit card, auto loan, or personal loan, you need to reduce it.
Approximately 30% of your credit score is calculated by how well you manage your debt and ideally, your credit utilization rate (the ratio of your debt balance to your overall credit limits) should be at or under 20%. (Example: If you have a credit card with a $1,000 limit – your balance should never exceed $200.)
Also, under new lending regulations, consumers who attempt to get a mortgage will need to have a debt-to-income ratio of 43% or less. This ratio will include the potential new mortgage payment.
This means that at the max, 43% our monthly income will have to cover all of your debt payments, as well as your mortgage payment. And the only way to lower your debt-to-income ratio is to either increase your income or decrease your debt. Considering the mortgage lender will be looking at your average income over the last 2 years, paying down your debt may be the only realistic way of lowering your debt-to-income ratio.
4. Fix your Credit.
If you have derogatory accounts in your credit reports that are lowering your credit scores, they will need to be addressed. Fixing your credit is quite possibly the most financially rewarding investment that you can ever make. But make sure that you do your research before doing it yourself or hiring a credit repair company to help you. Here is an article which will help you get started to fixing your credit.
Follow this short guide to get your credit ready to get a mortgage, and you'll be a homeowner in just 12 short months.
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 5 days.
Support. Award winning customer service guarantees your satisfaction.
New Consumer Protection from Predatory Loans
February 14, 2013 by CreditFirm.net
Filed under Blogs, Real Estate
by: Michael Creditfirm.
As of January 10, 2013, the CFPB (Consumer Financial Protection Bureau) amended Regulation Z, more commonly known as the Truth in Lending Act (TILA). The amendment to regulation Z, called the "Ability to Repay" rule, requires creditors to make a reasonable determination whether a consumer is able to repay a loan before proceeding with any transaction.
This new rule will protect consumers from irresponsible and possibly fraudulent mortgage lending such as "no doc" and "interest only" loans which contributed to the housing collapse in 2008 and put many homeowners in foreclosure.
Finally, the CFPB proposed a new category of loans called "Qualified Mortgages", which are mortgages where borrowers are highly protected from deceptive practices. These loans exclude programs like negative-amortization, where the monthly payment does not cover the accrued interest rate and the loan balance actually increases every single month.
Consumers should be able to trust the American dream of home ownership without worrying about losing their homes, getting buried in debt, or damaging their credit.
If your credit suffered as a result of predatory lending, let CreditFirm.net help you get you back on the road toward credit recovery.
Why Choose CreditFirm.net?
Assurance. Our Credit Repair process was developed by experienced attorneys.
Speed. Documents are typically processed and sent out for investigation within 5 days.
Support. Award winning customer service guarantees your satisfaction.
How to Fix Bad Credit to Buy a House
February 10, 2013 by CreditFirm.net
Filed under Blogs, Credit Repair, Credit Score, Real Estate
A good credit history is very important these days.
Especially if you plan on buying a home.
Consumers with good credit scores easily qualify for mortgages, and save hundreds of thousands of dollars by getting low interest rates. On the other hand, consumers with bad credit have a lot more difficult time obtaining mortgages.
Individuals with bad credit end up with high interest rate loans, large down payment requirements, and very often get denied for home loans altogether. But fortunately, bad credit doesn't have to be a permanent problem. There is a solution for bad credit which will help you qualify for a mortgage loan in the future.
Pay your current bills/debt on time. If you're struggling to pay your bills on time, you will need to create a budget which outlines your income and all of your expenses. Cut back all non essential expenditures and make sure that you do not make any late payments.
Make payment arrangements. If after cutting back your expenses your income still can't cover your bills, contact your creditors to work out alternative payment arrangements and make sure to make all payments on time per your agreement.
Reduce your debt. Debt is kryptonite to mortgages. A high amount of debt lowers your credit score and increases your debt to income ratio (DTI), which makes it more difficult if not impossible to get financing. Pay down your debt, start with your credit cards and pay them down until the balances are no more than 30% of the credit limits. Then, pay down your debt to get your DTI down to 31% or less.
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Category Archives: Andriod / ប្រព័ន្ធប្រតិបត្តិការ iOS
forge នៃចក្រភពការ Hack ការ៉ូគ្មានដែនកំណត់, មាស, ផ្គត់ផ្គង់ & មេដាយ
forging នៃចក្រភពការ Hack 2018
We are introducing our new updated Forge of Empires Hack for 2018, it can generate Gold, supplies and medal in 5 នាទី. Users can use Forge of Empires hack tool as many as they want and generate tons of resources. Try it now.
forging នៃអាណាចក្រគឺជាការលេងហ្គេមដ៏ពេញនិយមមួយដែលមានមូលដ្ឋានលើកម្មវិធីរុករកលើបណ្តាញពហុកីឡាករ-. You start from the bottom and you have to push yourself to the top by conquering other territories. There are 3 ប្រភេទនៃធនធានដែលមាននៅក្នុង forging នៃចក្រភព: ពេជ្រ, មាសនិងគ្រឿងផ្គត់ផ្គង់, ប៉ុន្តែមាសនិងពេជ្រគឺពិបាកបំផុតក្នុងការស្វែងរកឬការកើនឡើង. នេះគឺជាមូលហេតុដែលការលេងការប្រកួតនេះអាចជាការពិតជាភាពរំខាន, ជាពិសេសសម្រាប់អ្នកចាប់ផ្តើមដំបូងដែលលេងដោយគ្មានការវិនិយោគណាមួយប្រាក់.
ជាមួយនឹងឧបករណ៍ hack របស់យើងអ្នកនឹងអាចទទួលបានការដៃខាងលើនៅក្នុងការប្រកួតនេះ. ដូចគ្នានេះផងដែរ, with this forge of empires hack tool you can get unlimited diamonds which can only be obtained via purchasing, ការសន្សំប្រាក់ជាច្រើនអ្នក!
យើងក៏បានរួមបញ្ចូលឧបករណ៍ដែលសុំមិនបញ្ចេញឈ្មោះមួយបានសាងសង់ឡើងនៅក្នុងនោះការការពារ Hack នេះពីត្រូវបានរកឃើញហើយអ្នកគណនីត្រូវបានសម្របសម្រួលឬការហាមឃាត់. យើងបាន coded ការ hack នេះនៅលើ Python ដែលធ្វើឱ្យឧបករណ៍នេះមានសុវត្ថិភាពនិងមានភាពងាយស្រួលបន្ថែមទៀតដើម្បីធ្វើការជាមួយ. Hack នេះក៏ជាពន្លឺទំងន់និងមានការតម្រៀបនៃមេរោគទេ. forging នៃអាណាចក្រឧបករណ៍បោកត្រូវបានធ្វើឱ្យទាន់សម័យជាញឹកញាប់ជាមួយនឹងលក្ខណៈពិសេសថ្មី. The built in speed hack which speeds up the making of buildings and gathering resources. មានតំណទាញយកទៅឧបករណ៍ Hack នេះត្រូវបានផ្ដល់ជូននៅខាងក្រោម.
forging នៃចក្រភពការ Hack មគ្គុទ្ទេស
2. រត់ forging នៃចក្រភពនៅលើឧបករណ៍របស់អ្នក
3. រត់ [forging នៃចក្រភពការ Hack]
4. ជ្រើសម៉ឺនុយឧបករណ៍តភ្ជាប់ឧបករណ៍របស់អ្នក
5. សូមចុច [ការតភ្ជាប់ជាមួយនឹងល្បែង] ប៊ូតុង
5. បញ្ចូលធាតុចំនួនទឹកប្រាក់ដែលអ្នកចង់បង្កើត
6. សារពត៌មាន [ការចាប់ផ្តើម] ប៊ូតុងនេះដើម្បីចាប់ផ្តើមបន្ថែមធាតុទៅកាន់ការប្រកួតរបស់អ្នក
forging នៃចក្រភពការ Hack Tool.rar
[2017 ផ្លូវការ] DRAGON រឿងបោកការ Hack ប្រព័ន្ធប្រតិបត្តិការ Android / iOS បានទាញយកដោយឥតគិតថ្លៃ
រឿងនាគឧបករណ៍បោកការ Hack សេចក្តីផ្តើម
រឿងនាគបោកឧបករណ៍ការ Hack គឺជាឧបករណ៍មានប្រយោជន៍នៅក្នុងការប្រកួតរឿងនាគដើម្បីទទួលបានដោយឥតគិតថ្លៃគ្មានដែនកំណត់នាយកដ្ឋានទាំងអស់. រឿងនាគបោកឧបករណ៍ការ Hack ជាការពិតក្នុងការប្រើប្រាស់ដោយឥតគិតថ្លៃ . ឧបករណ៍នេះអាចត្រូវបានប្រើនៅលើឧបករណ៍ដូចប្រព័ន្ធប្រតិបត្តិការ Android ឬដំណើរការដោយ iOS ណាមួយ. អ្នកនឹងរក្សាទុកពេលវេលាច្រើនហើយអ្នកនឹងអាចរីករាយជាមួយរឿងនាគគួរឱ្យចាប់អារម្មណ៍នៅថ្នាក់កម្រិតខ្ពស់មួយដោយមិនមានឆ្លងកាត់ទុក្ខព្រួយ. ការបន្លំគឺមានសារៈសំខាន់យ៉ាងខ្លាំងសម្រាប់អ្នកដើម្បីទាញយកប្រយោជន៍ពីលក្ខណៈពិសេសទាំងអស់ដែលថាការប្រកួតដ៏គួរឱ្យរំភើបដ៏ល្អបំផុតនេះមានផ្តល់ជូន. អ្នកនឹងមិនត្រូវមានចំនេះដឹងផ្នែក IT កម្រិតខ្ពស់ដើម្បីដំឡើងនិងប្រើពួកវា. ជាមួយនឹងការចុចតែប៉ុន្មាន, អ្នកនឹងត្រូវបានអនុញ្ញាតឱ្យដោះសោធាតុទាំងអស់. ការបន្លំនិងការ Hack ផ្តល់នូវម៉ាស៊ីនភ្លើងដ៏មានតម្លៃបំផុតនៃធនធានដែលនឹងត្រូវបានបើមិនដូច្នេះទេការលំបាកក្នុងការទទួលបាននិងការពិតជាការប្រើប្រាស់ពេលវេលា.
រឿងនាគ គឺជាការប្រកួតដែលគួរឱ្យចាប់អារម្មណ៍. ទទួលបាន រឿងនាគ ឧបករណ៍បោកការ Hack ហើយអ្នកប្រាកដជានឹងរីករាយជាមួយនឹងការប្រកួតនេះដើម្បីអតិបរមា. នគររបស់អ្នកនឹងត្រូវបានជាការស្រមើលស្រមៃដ៏អស្ចារ្យជាអ្នកនៅក្នុងពេលវេលាខ្លីណាស់! ការចុចការក្លាយជាកីឡាករកំពូលគឺគ្រាន់តែជាប៉ុន្មានទៅឆ្ងាយ!
ទាញយកនាគរឿងឧបករណ៍បោកការ Hack, បន្ថែមតោននៃធាតុដោយឥតគិតថ្លៃមួយនៅក្នុងគណនីរបស់អ្នកជាមួយនឹងគ្រាន់តែចុចមួយដង. យើងបានសម្រេចចិត្តដើម្បីដោះលែងឧបករណ៍ដោយមិនគិតថ្លៃនេះ - ដូច្នេះគ្រាន់តែទាញយកឧបករណ៍ការ hack និងការបន្លំដោយសេរីនិងរីករាយជាមួយការលេងល្បែងរបស់អ្នក!
រឿងនាគបោកការ Hack ឧបករណ៍លក្ខណៈពិសេស
បន្ថែមគ្មានដែនកំណត់មាស, កាក់និងអាហារដោយមានការ 1 សូមចុច.
មិនអាចរកឃើញ (100% ធានា)
ចំណុចប្រទាក់អ្នកប្រើដ៏ល្អបំផុតនិងចំណុចប្រទាក់ដែលងាយស្រួលប្រើ (គ្រាន់តែចូល, ភជប់ឧបករណ៍ & ធ្វើឱ្យសកម្មការ Hack)
ធ្វើការសម្រាប់ទូរស័ព្ទឬកុំព្យូទ័របន្ទះប្រព័ន្ធប្រតិបត្តិការ Android ទាំងអស់, និងឧបករណ៍ដំណើរការដោយ iOS រួមទាំងទូរស័ព្ទ iPhone, សំរាប់ iPad, iPad Mini, និង iPod Touch
ជាផ្នែកមួយដ៏ល្អបំផុតគឺ, វាមិនគិតថ្លៃ!
- 2. រត់ រឿងនាគ នៅលើឧបករណ៍របស់អ្នក
- 3. រត់ [ រឿងនាគបោកឧបករណ៍ការ Hack]
- 5. បញ្ចូលធាតុចំនួនទឹកប្រាក់ដែលអ្នកចង់បង្កើត
- 6. សារពត៌មាន [ការចាប់ផ្តើមការ Hack] ប៊ូតុងនេះដើម្បីចាប់ផ្តើមបន្ថែមធាតុទៅកាន់ការប្រកួតរបស់អ្នក
- 7. ចេញនិងចាប់ផ្ដើមឡើងវិញ រឿងនាគ នៅលើឧបករណ៍របស់អ្នក
- 8. សូមរីករាយជាមួយ!
ហ្គេម Angry Birds Star Wars 2 v1.02 ការ Hack ឧបករណ៍
ទទួលបាន ហ្គេម Angry Birds Star Wars 2 ការ Hack now and stop paying real money for your Credits, you will be able to add unlimited of them using the ហ្គេម Angry Birds Star Wars 2 ការ Hack ឧបករណ៍ which connects to your Facebook, Android or iOS Application and boosts your Score to the maximum right away. The Angry Birds Stars Wars 2 ការបន្លំ are available for Free down below.
Add unlimited amounts of Coins for Free
Dominate the game and activate the Maximum Score Feature
Easily Unlock All Features and Addons for Free
Working for all Updates and Expansions of Angry Birds Star Wars 2
Supports all Android and iOS devices
v3.74 លោកបណ្ឌិតឧបករណ៍ការ Hack បើកបរ
Farming Coins is hard and you don't want to pay real money – you need the Dr Driving Hackwhich is available for free right here. All you have to do in order to get the Hack is scroll down this article and press the Orange "Download Now" button to start your download. You are also able to read some more Information about the Hack below, such as file size, version, last update and of course a virus-scan. There is a list of the Features below, too. Read through them and you will realize how powerful our cheat tool really is. We try to always keep everything working for you, the Downloader, which is why we check our tools on a daily basis to ensure you will always have the lastest working and running version of our tool. What the Dr Driving Hack Tool does is basically connect to your smartphone Dr Driving application and modifies it as you wish. Which means you are able to add an unlimited amounts of Gold and of course that means you are able to purchase an infinite amount of Coins, too. Our newest Dr Driving Hack Application even has the option of activating a God Mode which makes you invincible and you will not take damage what so ever. Besides all these awesome Features this article also contains a small proof image as well as a screenshot of the tool and how it looks while using it. Please make sure to read everything and if you have problems downloading the tool then please refer to our "How to Download"-Page which should be able to help you out if you have any trouble. We hope you enjoy our Dr Driving Cheats we implemented into the Tool and you will be able to improve your gaming experience.
Add unlimited amounts of Gold for Free
Dominate the game and activate the God Mode
Easily Unlock All Features for Free
Working for all Updates and Expansions of Dr Driving
Supports all Android and iOS devices
About Dr Driving :
Dr. Parking came back as Dr. Driving!
Dr. Driving drives you crazy!
Burn up the street with the fastest and most visually stunning edition of the Dr. Parking series.
Log in with Facebook ID to share high scores with friends and 100Gold will be provided.
Support for Google Play game services.
Sign in with your Google account to access online leaderboards and achievements.
ការប៉ះទង្គិចនៃត្រកូលការងារការ Hack 100%
ការប៉ះទង្គិចនៃត្រកូលការងារការ Hack 100%
Clash of clans Hack Working 100%.I hope you are happy now. One user has send us an email that he want to make a hack for Clash of Clans, after I discuss with my team workerswe decided to make this wish to be real, even if not Christmas, I joked.
So, this is for you Brandon .N . With this hack you and our users can generate an unlimited amount of Gems, Coins and Elexirs.
We developed this hack on our new platform eHac v.1. Our hack have a friendly interface and it's perfectly safe because we use ProxyPro vers.8 to provide safety to ours users. So what we do? We developed this hack aprox. 7 days ago and we have tested, tested and tested this hack every day, to be sure that our users are in safe. And it has, our account don't have any problem, is working right now,
You gen generate an unlimited amount of ត្បូង, Coins and Elexirs
Proxy for you to not be detected
Friendly Interface
Support Windows, Linux and MAC
Daily Updates
1. ទាញយក Clash of Clans Hack Tool Archive by clicking the download button above.
2. Save the file in your computer and open it (You will need to UnRAR).
3. Open Clash of Clans Hack Tool.exe, plug your phone to PC, select your OS (Operating System) hit the Detect Device button or simply press on Auto Detect, and complete with the amount of resources you want to generate.
4. Next hit 'Android or iOS' button and leave the hack to do his job.
5. Finally enjoy, and remember to share with friends!
សត្វក្ដាន់ហិនទ័រ 2018 v1.72 ការ Hack ឧបករណ៍
You need the សត្វក្ដាន់ហិនទ័រ 2018 ការ Hack to make this awesome game a lot better simply by getting those Items and Unlockables for free. The Hack automatically adds all available licences to your Application as well as a custom amount of Gold Coins and Hunter Cash which means you are able to play the game without boundaries. This is possible because of the សត្វក្ដាន់ហិនទ័រ 2018 ការ Hack ឧបករណ៍ which basically connects to the application on your Android or iOS smartphone and adds the desired amount nearly instantly. You are able to use the Gold Coins for basically everything like buying Items, Unlocking several things and also skip waiting time on your Upgrades and much more. To make this game even more fun we definitely advise you to get your សត្វក្ដាន់ហិនទ័រ 2018 ការបន្លំ now.
Add unlimited amounts of Gold Coins for Free
Add unlimited amounts of Hunter Cash Money for Free
Dominate the game and buy everything you want
Easily Unlock All Features and Items for Free
Working for all Updates and Expansions of Deer Hunter 2018
Supports all Android and iOS devices the App runs on
About Deer Hunter 2018 :
Return to the wilderness in the most visually stunning FPS hunting simulator on Android!
Travel from North America's Pacific Northwest to the Savannah of Central Africa in an epic journey to hunt the world's most exotic animals!
Join your friends in global cooperative challenges where teamwork is critical. Work together to complete hunting objectives and collect rewards!
Immerse yourself in diverse environments filled with over 100 animal species! Watch out for attacking predators including bears, wolves, and cheetahs! Hunting deer is just the beginning!
Enjoy endless customization as you perfect your weapons. Upgrade magazines, scopes, stocks, barrels and more! Take hunting to the next level!
Compete for bragging rights as you bag the biggest animals with Google Play achievements and leaderboards!
It's open season join the hunt today!
Developed for fans of FPS games, Hunting Simulators, and the Deer Hunter franchise.
v3.5 ឧបករណ៍ការ Hack ប្រធានរៀបចំព្រឹត្តិការណ៍បាល់ទាត់
សព្វថ្ងៃនេះយើងនឹងបង្ហាញជូនដល់អ្នក Head Soccer Hack which you can use to get the Devil Unlock for free without spending real money, as well as generate or add as many Points to your game as you want. If you want to improve your game play then all you need is use this awesome hack. The tool is easy to use and only requires you to open it, connect it to your device and simply add the amount of points you want to have, then after a few seconds of waiting and a quick reboot of your application on your device your settings should have been updated instantly. To get the Head Soccer Hack Tool all you have to do is press the download button below. If you have trouble downloading the file please make sure to read our How to Download Page. Points as very important in this game mainly because you are able to upgrade and unlock everything using them. If you don't want to farm those points for hours and hours or even buy them with real money then you are on the right spot. Below you can also find more Information about the tool like file size and version which includes a virus scan, a screenshot of the hack tool itself, a proof picture which shows the generated points and a list of the awesomeHead Soccer Cheats Features that come with it. Thank you for using UltimateFreeCheats.Com!
Add unlimited amounts of Points for Free
Dominate the game and buy everything you want
Easily Unlock All Features and Items for Free
Working for all Updates and Expansions of Header Soccer
Supports all Android and iOS devices
About Header Soccer :
Move to the side, hard-to-control soccer !
A soccer game with easy controls that everyone can learn in 1 second.
Beat the opponent with fancy lethal shots such as dragon shoot, ice shoot and lightening shoot and win the tournament.
You can also matchup with friends or global users through the gamecenter.
Play this fun soccer game anytime, anywhere.
+ Various 36 Avatars & Unique Special Shot !!
+ 4 Game mode (Arcade, Tournament, Survial, League)
+ Online Multiplayer via Google Play Service
+ Physics based gameplay (Box2d)
+ GameCenter Leader boards
+ Submit Facebook
+ Dinosaur Slayer
+ Zombie Sweeper
+ Crasher
+ IChallenger: Return
+ Tiny Brush
+ Millionaire Show
v2.83 ឈាមឧបករណ៍ការ Hack បងប្អូន
The hot and popular game definitely can use a Blood Brothers Hack simply because the game itself is very good but the Coins in order to actually play the game further than the first hour are very expensive and have to be paid with real money which kind of destroys the term "free to play". If you want to be at the top you have to pay, which actually makes the game more like pay to win. The Blood Brothers Hack Tool uses the best Cheats for both Android and iPhone and can be downloaded by using the Download Button below. You can also find further information about the tool, a screenshot and a small proof of it working below. Once you have downloaded the Blood Brothers Blood Coins Hack you will be able to connect it to your phone and generate the coins as well as add as many Experience as you want.
Add unlimited amounts of BloodCoins for Free
Dominate the game and buy everything you want
Easily Unlock All Features and Items for Free
Working for all Updates and Expansions of Blood Brothers
Supports all Android and iOS devices
Download Blood Brothers and see why over 15 million players have made this game #1 in 33 countries on Google Play and iTunes App Store!
Blood Brothers is a dark fantasy game, a tale of a hero turned vampire, who must bind an army in a pact of blood in order to exact vengeance on a corrupt empire.
Choose one of eight heroes – knight, samurai, high elf, dark elf, ape, lizardman, dwarf, or goblin – to lead your army to victory.
"With thrilling combat, character collection and leveling and an interesting storyline, Blood Brothers is epic!" –gameographics.com
– Customize your party to gain a strategic edge.
– Wield skills from archery to sorcery, lightning to fire.
– Bond and evolve characters together in dark rites.
– Traverse villages, castles, dungeons, and more.
– Get new characters and areas in free updates.
"Love this game! It has a whole new concept on the RPG games out there. If you like Rage of Bahamut or other card RPGs you will love this–it doesn't use the card concept, which I love."
"This game is a blast! It's like a very interactive strategic board game and so far the best RPG game I've played on my phone."
"If you like any kind of CCG you will love this game."
The world of Blood Brothers knows no bounds!
Blood Brothers is powered by Mobage, the best, free social game network.
v1.12 សមរភូមិ Hack ឧបករណ៍ព្រមាន
The Battle Alert Hack is free to download right here. With it you are able to unlock everything in the game by adding an unlimited amount of Coins to your account. Using those coins you will be able to buy every other resource in the game basically for free because you got the coins for free. If you want to get the hack all you have to do is press the download button below and start downloading the tool. Once you have downloaded the Battle Alert Hack Tool you will need to connect your smartphone to your computer and select which system you are on. Once you have done that you are ready to connect your Battle Alert Game to the Hack Tool and start adding Coins and Extra to your account, all it takes is a few mouse clicks and a few seconds waiting time and after that all you have to do is restart the application on your phone and once you have started it back up again you will have the coins and extra added to your account. Below you can also find some more information about the Hack Tool and also a screenshot of the tool itself. We hope you like our tool and also the free Coins for Battle Alert you get using the Battle Alert Coins Hack as often as you want.
Add unlimited amounts of Coins for Free
Dominate the game and buy everything you want
Easily Unlock All Features and Addons for Free
Working for all Updates and Expansions of Battle Alert
Supports all Android and iOS devices
បិសាច v6.00 ស្ដេចត្រាញ់ឧបករណ៍ការ Hack
Monster Warlord is one of the most favorite games made by Gamevil. Today we are going to show you the Monster Warlord Hack which will definitely let you climb the leaderboard on any Dungeon or World Boss and let's you buy as many Monster Eggs as you want and using the 100% Success Rate on Special Combines you will be able to build up the best Monster Warlord Army there is. The Monster Warlord Hack we are going to present to you makes it able to generate as many free Jewels and of course Gold as you want. Using the Gold you will be able to build up a nice and stable income and buy the strongest common monsters there are and build some good attack and defense. However, most users of the monster warlord hack usually go for Monster Eggs in order to use special combine on the monsters they get from the eggs. Using this technique along with farming Dungeons and the World Boss you will be able to build up a huge and strong army with lots of Elder Monster or similar high tier monsters. Gamevil even did our users a favor by boosting the special combine rate to one hundred percent, which means that you will not waste your time anymore when using special combine, all you need to do is buy the monsters you want and combine them until you are satisfied. A lot of users also like to buy a lot of Skillpoints and boost their Health, Stamina and Energy in order to finish the Quests efficiently, use the Stamina to dominate the World Boss and archive the best ranks. Surprisingly most users like to keep it low and only add a few thousands free jewels at once using our Monster Warlord Hack Tool to keep the game exciting. Even some of the most powerful and well known Alliances and Clans are happy users of our hacking tool which is very popular since Monster Warlord is one of the most popular pay-to-win games there is. You can even find out which users are using our Jewel Hack by simply taking a look at the world boss and checking for low level players who surprisingly already have a lot of stamina and use elder monsters. They are most likely to use our Hack Tool which we update very often in order to keep it safe and working for all cheaters. Below you can find the download button for the Free Jewel Hack as well as a anti-virus scan and some in-game screenshots showing a low level account we used our Jewel Hack on. In order to keep you guys safe we implemented an anti-ban protection which we is updated nearly daily just to make sure everything works fine. You can find all the features down below, please make sure to read through all the awesome features we implemented in order to keep the Monster Warlord Jewel Hack working perfectly at any time. Also note that this works on Android and iOS devices aswell, you can even use Bluestacks or something we can guarantee that our tool will work for those platforms.
Add unlimited amounts of Jewels for Free
Buy as many Monster Eggs as you want using the Free Jewels
Add unlimited amounts of Gold for Free
Farm Dungeons / World Boss easily with all your Jewels
Add as many Skillpoints as you want using the Jewel Hack
Working for all Updates of Monster Warlord
Supports Android aswell as iOS devices like iPhone/iPad


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Saturday, Dec. 18, will be the last day of service at Taqueros, a restaurant whose history connects the dots between the promise and failure of ambitious Mexican cooking in New Orleans.
Still, it's possible Mexican food is about to get better in New Orleans.
Last month saw the opening of Tomasito's, which tilts the common Mexican-American restaurant formula upscale. The restaurant is under the same ownership as Tommy's Cuisine, the tradionalist Creole-Italian restaurant nearby.
Early this month, Alby Silvera became executive chef of Nacho Mama's, which has three area locations. "I just figured I pretty much took the food where I can take it, and I need a fresh pair of eyes to look at it," said Shane Finkelstein, Nacho Mama's owner.
Finkelstein said Silvera came to New Orleans from Los Angeles. His last local job was in the kitchen at Rambla.
"Spanish food and Mexican food have similar profiles and ingredients, and working in L.A., (Silvera) worked with tons of Mexican cooks," said Finkelstein. "It's not going to be a whole new menu, but I do think we have room for improvement."
In March, Reuben Laws, III, hopes to have La Tienda up and running next door to the Store (814 Gravier St., 504.322.2446), his breakfast and lunch spot in the Central Business District. The "high end taco bar" will essentially be an extension of the Store. The two restaurants will share an expanded dining room where Laws will display what he hopes is the largest hot sauce collection in the city.
Laws said his fiance's grandfather and uncle own Peppers, the Delaware store that claims to hold the world's largest hot sauce collection.
Latin American cuisine in New Orleans has improved in the past five years. But I just got back from a short trip to Austin, Texas, which is silly with great Mexican and Tex-Mex restaurants and taquerias and taco trucks, not to mention a coolly fashionable downtown place called La Condesa, where I ate the most successfully innovative modern Mexican cooking I've found outside Mexico City.
The trip was a reminder that there are few cuisines in the world with the depth of Mexico's. Is there anyplace in New Orleans that does it true justice?
Restaurant writer Brett Anderson can be reached at firstname.lastname@example.com or 504.826.3353. Comment and read more at nola.com/dining. Follow him on Twitter at BrettAndersonTP.


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Contact details
Olive Grove Restaurant and Guest Accommodation is a Large Victorian House on the main street of Blacklion, Co Cavan, next door to one of Ireland's Top Chefs Neven Maguire.
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For more information on travel and accommodation, attractions have a look at our brochures and maps.
If you're a visitor from the island of Ireland you may want to visit one of these sites… Otherwise proceed to Ireland.com
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April 27 & 28, 2019
Saturday and Sunday, 10am-5pm
Saturday Evening Concert, 5pm-7pm
Expect to have a first-class, fun-filled outdoor cultural experience at Chain of Parks Art Festival. View amazing, original and one-of-a-kind works of art in a delightful Southern outdoor setting. Enjoy a wide variety of live entertainment, a host of local food trucks and vendors, and libations served enthusiastically at the WXYZ Bar by Aloft. Nationally ranked the #1 Fine Art Festival by Sunshine Artist Magazine, this annual two-day festival draws tens of thousands of people from the Big Bend Southeast region to see 170+ artists who have traveled from all over the country to display their original fine art works.


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Messingham Bowls Club provides the entertainment of competitive bowling by having members playing in Lincs County Competitions, having 3 teams in the Scunthorpe and District Leagues, a Tuesday Afternoon League team as well as Internal Club Competitions.
We also have a Bowls Drive every Sunday Afternoon (May to September) at 2:30pm which is open to anyone interested in starting to play bowls. If you are thinking of taking up bowls or just want a social pastime, come along, all you need is a pair of flat soled shoes, You will receive a very friendly welcome.


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Click here to view an interactive map of the Northern Ireland dataset as currently collated by CEDaR.
The map is generated through the NBN Gateway using their Interactive Mapping Tool.
This small species occurs mostly on twigs of basic trees and shrubs. It is extremely common on ash, where it occurs with Lecania cyrtella and L. naegelii. Twigs should be inspected along their final 30cm. Sometimes the small, orange, crowded discs are restricted to just one or two individuals; which are less easy to spot. It is also frequent on elder. Generally, the species is widespread throughout Ireland.
Original text submitted by Simon Davey
|Simms, M. J., (2016). Caloplaca cerinella (Nyl.) Flagey. [In] LichenIreland.
http://www.habitas.org.uk/lichenireland/species.asp?item=20520 Accessed on 2018-08-18.


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Kareem Abdul-Jabbar relishes becoming cultural ambassador
Below are excerpts from a recent conversation with former Lakers player Kareem Abdul-Jabbar, whom the State Department recently named as a cultural ambassador. He will travel to Brazil from Sunday through Jan. 28, with stops in Salvador and Rio de Janiero. There he will talk to young people about education, social and racial tolerance, cultural understanding and using sports as a means of empowerment. You can listen to the entire 23-minute interview in the video above.
On his trip to Brazil: "I'll do a couple of basketball clinics and also be involved in discussions with young people. The Brazilian government is trying to rearrange the educational system so it reaches more of the population. They think the population is underserved by the educational system and needs revamping. The U.S. government will try to help them with this. I'll talk to young people about the need for education."
On his book, "What Color is My World": "The book is about black inventors. It's targeted for kids 8-12 years old. My motivation in writing it had to do with my memories of ... when I was ... growing up. Black Americans were only mentioned in regards to the use of slavery and civil rights. There's so much more to that story. By focusing on black inventors, you can see where black Americans have contributed so much to world culture in the many inventions they have made."
On what interests him about history: "It started with the neighborhood I grew up in in Manhattan and New York City. It was a Revolutionary War battlefield ... As a kid, we'd find musket balls and old bottles in vacant lots and in the parks. Sometimes after it rains, we'd find arrowheads in Manhattan. I was always aware of the people that superceded us."
On U.S. relations with Muslim countries: "President Obama has done a great job. Even President Bush, a lot of people criticized him, but from the very first day he said he was not at war with Islam. He was dealing with terrorists who happened to be Muslim. He always went to pains to point out the majority of Muslims in the world were not hell-bent on destroying America. it was a radical group of people and minority within Muslim countries. What we did with President Obama's tactics in Libya enabled them to obtain their goals and see us as people who were helpful and sticking up for the rights of the common people in Libya confronting a tyrant. In that sense, we're on the right track. We should maintain that. Too many people have gotten into thinking all Muslims are the bad guys and that's not the reality of it."
Kareem Abdul-Jabbar sizes up Andrew Bynum, Dwight Howard
Kareem Abdul-Jabbar named State Department cultural ambassador
Kareem Abdul-Jabbar's 'On the Shoulders of Giants' celebrates the Harlem Rens
--Mark Medina
E-mail the Lakers blog at email@example.com