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Redeeming Social Media
A week ago today I had the opportunity to talk to 30 college students about 'How to Redeem Social Media', and so I figured I'd share with you some of the things that I learned in the process of preparing for this discussion. Below are my notes, I really hope that they challenge you to use Social Networking in a different light:
1. The opposite of nearly every positive influence social media has is a negative influence on us.
Some examples of this are:
Pros Cons
Real-time Impatience
Organization Time waster
Sharing Over-sharing
Transparency Lack of Privacy
Get to know people People are less like people
Accountability Temptation
Proclaiming Truth Advancing Lies
Showing Ourselves Creating a facade
Talk to people Lack of Presence
Encouragement Bullying/Gossip
Information Anyone can say anything
We need to be aware that, often times, not only do the things that benefit us reside in our social networks, but the things that hinder us as well. So as we use it may we recognize the the positives and negative influences Social Media has on us.
2. There is no formula for redeeming social media. It is all about how you choose to use it and how you inspire others to use it.
A lot of times we think that everything has a formula. We think if we just go follow a couple of points we will get everything right, but the more I looked at social media the more I saw that it affects us all differently. The things that affect me negatively about social media may not affect you in the same way. We all have our struggles and challenges. If this is the case then I believe the best way to redeem social media is to go back to the first observation. We must understand how social media affects us positively and negatively to figure out how we can personally redeem the medium. Which leads me to my next observation:
3. We all need a direction when we use social media. We need to view it through a redemptive lens.
One of my biggest problems with social media is I've always gone on it just to go on, to veg out, or to unwind. I never had any direction. Over the past few months, however, I decided to be more intentional about it. I decided to make sure I move in one direction or another. I got a twitter, and this blog with the purpose of inspiring others (and nothing else) and decided to use facebook simply to connect with people – though I still do post strange stuff every so often. When I found myself getting off track, or taking a different direction I would simply go offline. This took a lot of discipline, but I've grown so much from this change of perspective. Social media is no longer an outlet for boredom or temptation, but a place where I can be redemptive. This all starts with a direction; a lens through which to view social media.
Here are some directions to focus on:
– Unity – How can we use social media to unify the church (John 17:23; Philippians 2:1-4)
– Proclamation – How can we proclaim Christ clearly through social media (John 17:23b; 1 Peter 4:12-19)
– Presence – How can we engage people not distance ourselves from people through social media (John 17:15-17; 22-23)
– Worship – How do we worship through social media (Ephesians 2:10; Collisions 3:1-4; 1 Corinthians 10:31)
4. When we use social media we need to define our message.
Social media is a breading ground for falsehood and confusion, and one of the best ways to redeem social media is to clearly define our message. If we were clear as to who we are and what we believed then wouldn't that change the way in which we used facebook, twitter, youtube, ect? If using social media proclaimed that we really believed Jesus is who he said he is, and in what he called us to be wouldn't that change how people see us? Wouldn't that change our conversations and how we interact with people online?
We all need to be clear in our message of who we are, and what we believe or social media will hinder, not strengthen, our relationships with others. This requires some vulnerability, but God calls us to reach out into peoples lives. If we aren't open and honest about ourselves how do we ever expect people to let us into their lives? (This doesn't mean we share everything about ourselves on facebook – there are things that should not be shared online or with the public – but maybe its time to take more risks in sharing who we really are with people Christ can impact through us).
5. Often times we become dualistic in nature when it comes to social media.
I've seen Christians immersed in social media, as if it is their best friend, and then all of the sudden they see it as an inherent evil. What happens then is a huge pendulum shift. One moment we are all about social media and then the next we are all against it. I commonly see this when people (including myself) do 'facebook fasts', but as I think about this I wonder if it would be healthier to simply balance how we use social media. Wouldn't it be healthier to simply balance better when we use it and when we take time away from it? This keeps redemptive relationships active and allows me to learn both patience and self-control on a whole new level. Plus, if we learned to balance our lives better we would not have this problem with dualistic social media.
I hope that this has been helpful to you as you seek to be more redemptive in how you engage social media and others through it. May we all seek to glorify Christ through all we do, and really be who He calls us to be in all we do, say, think and become.


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After not winning a playoff game prior to last season, Mansfield Legacy has now made it to the regional quarterfinals in back-to-back years.
The Broncos (23-10) got out to a 22-8 lead, and 10 different players scored in a 67-26 Class 5A Region II area playoff win over Dallas Adams at Cedar Hill High School on Thursday night.
Legacy will play Burleson Centennial (23-9), which beat Dallas Conrad, 8 p.m. Monday at Wilkerson-Greines Center in Fort Worth.
"We played well and got contribution from everybody on the team," Legacy coach Michelle Morris said. "Everyone scored, we bought a lot of energy, and it was a good game to get us ready for the next round."
Keslyn King and Lyric Turner scored 11 points apiece. Cyliest Smith and Harmoni Turner added nine points each.
"Huge factor to our success that anyone can score on any given night," Morris said.
Legacy led 33-12 at the break and outscored Adams 34-14 in the second half.
Crowley 68, Dallas Seagoville 23
The Eagles joined other area teams ending regional quarterfinal droughts after they defeated Dallas Seagoville 68-23 on Thursday at Grand Prairie High School in the Class 5A Region II bracket.
Like Legacy, Crowley started fast and never missed a beat. The Eagles led 27-5 after the first quarter and 38-14 at halftime.
Taelour Pruitt led all scorers with 14 points. She scored 30 in the first round vs. Waxahachie. Avery Brittingham and Makayla Johnson added 12 points apeice, and Mia Williams scored seven.
"Felt we had a good chance at winning so just wanted to play well," coach Amy Gillum said. "We didn't want to underestimate any opponent and wanted to carry it over to the next round."
Crowley (25-5) will play Mansfield Timberview (33-2), 6:30 p.m. Monday at Wilkerson-Greines in its first regional quarterfinal game since 2008.
"Preaching point for our girls," Gillum said. "We want to start a new tradition and get people excited again for Crowley girls basketball."
Colleyville Heritage players chime in after win vs. Aledo
The Panthers used a 14-0 start to the fourth quarter to defeat Aledo 50-36 in the Class 5A Region I area round at Fossil Ridge High School. Heritage (28-6) got out to a 24-14 halftime lead on 11 steals and 16 Aledo turnovers.
"We work on defense for most of our practices and that's our thing this year and that's why we've won as many games as we have," senior Caitlyn Foster said.
The Bearcats cut the lead to 29-26 to end the third before the Panthers made the first 14 points of the fourth.
"We realized it was time to take it and finish this game," Foster said.
Foster scored 13 points, 11 in the first half.
"Caitlyn just comes to play, I love it," said junior Bryn Gerlich, who had a game-high 19 points. "She plays with so much heart and you can tell she doesn't want it to end."
Heritage will play Tuesday in its first regional quarterfinal since 2007 against the winner of Friday's game between Trimble Tech and Denison.
"This team is something special and I'm excited to see how we end up doing," senior McKinley Charles said.
Burleson Centennial also advanced to its first regional quarterfinal in program history.

subset: commoncrawl


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A USC player who was captured on video knocking over a Washington State fan after Friday's game in Pullman is being investigated by the Washington State University Police Department.
A video showed the player, who was running to exit the field, knocking over a fan who had rushed the field after Washington State's win. That video was blurry and the player's identity could not be determined.
A second video showed the player extending his arms into the fan. In that video the player wore No. 93. USC's roster lists No. 93 as Liam Jimmons.
"We've reached out to see if the athlete wants to talk to us," said Steve Hansen, the police department's assistant chief.
Hansen said the police department has reached out to USC's Department of Public Safety for cooperation. Hansen said his police department will write a report to send to prosecutors, who would then decide how and if to proceed.
"We're aware of the situation," coach Clay Helton said Tuesday during a conference call with Pac-12 Conference reporters. "Internal discipline has been taken and that discipline will remain in-house."
The Pac-12 fined Washington State $25,000 for fans rushing the field at Martin Stadium, the standard fine for a first offense. The policy is designed to prevent incidents when fans and players could mix. Several USC players had to navigate a crush of fans to make it to the locker room.
"It was an electric game and a very exciting atmosphere, and the safety of both fans and players always needs to be taken into account," Helton said. "It's a very hard situation in that type of environment, that exciting environment. It's something that I know Washington State does their best job to try to create a safe environment. It's hard. When you have that many fans that excited, they found their way down on the field and (that) makes for a chaotic scene. I'm glad that everybody is safe and everybody's out of harm's way. But it's understandable. That's a big win for their football team."
More injuries
USC's right guard, Viane Talamaivao, had an MRI exam on an injured chest muscle and could be out for significant time.
Helton said Talamaivao most likely will sit out Saturday's game against Oregon State.
"He's meeting with the doctors, they'll view the MRI to make a decision where we go to from there," Helton said.
"I'll give you further information after the family visits with the doctors."
Running back Stephen Carr, who left the game against Washington State because of a foot injury, is also doubtful, Helton said.
Right tackle Chuma Edoga (sprained ankle) did not practice but left tackle Toa Lobendahn returned after recovering from a skin infection that put him in a hospital for four days.
Quick hits
Defensive end Rasheem Green (ankle and shoulder injuries), defensive tackle Marlon Tuipulotu (back injury) and safety Jamel Cook (bronchitis) did not practice. … Defensive tackles Malik Dorton (knee sprain) and Josh Fatu (knee sprain) were limited in practice. ... Linebacker Jordan Iosefa and receiver Jalen Greene are in concussion protocol and did not practice. ... Keyshawn Young, a receiver and cornerback who has sat out because of a leg injury, tweeted that he will be a redshirt this season.
Follow Zach Helfand on Twitter @zhelfand


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Wednesday, May 04, 2016
The Utility of Secrets
sits like
a land mine,
waiting for
accidental discovery.
It may never be
but that gives me
no comfort.
the secret will go
all the way
to my grave,
as, happily,
all the witnesses
will have met
with tragic accidents.
The secret
reminds me
that when I look
in the mirror,
I do not see
a free man,
but rather
an indentured servant
forever paying
interest only
on a debt
only blood can satisfy.
Most days
I forget the secret
is there,
but when things
are running smoothly (too smoothly),
and my heart is light (too light),
and the sun is shining (too bright),
I tempt fate, pondering
what could
go wrong?
The secret ensures
that I am never
too happy
and never too secure.
It keeps me
and if you knew
my secrets,
you'd know why
I need the lessons
of humility.
[Written for Poets United - come out and play.]
22 comments:
"an indentured servant, forever paying interest on a debt only blood can satisfy". Wow, that is a fantastic line! You have captured well here how a secret can weigh on one. So well done, Mosk.ReplyDelete
Mosk, would you please email me at email@example.com ? I have a question to ask....smiles......ReplyDelete
Very good response. Secrets can wreck our lives!ReplyDelete
Lovely write. Lessons in humility cannot be that badReplyDelete
Much love...
You had me at the opening lines :D Brilliant write Mosk :DReplyDelete
We all need to find our way to humility--and secrets, well they can do that--Love the tone in this Mosk--ReplyDelete
I would agree that we are servants to the secrets (or lies) that we keep. Your conclusion the antidote.ReplyDelete
landmine type of secret will definitely snatch the sleep of night...quite naturally humility is the by product of that...whew...well said....ReplyDelete
This is SO SO good.ReplyDelete
Ah! That's a wonderful write.ReplyDelete
This is so smart, so self-aware. Wow. Excellent poem.ReplyDelete
We all have our secrets and some can cause great harm - to ourselves and to others. To live with a dark secret and carry on with life in a semblance of normality takes great strength. You poem describes this very well...ReplyDelete
We all have our secrets and some can cause great harm - to ourselves and to others. To live with a dark secret and carry on with life in a semblance of normality takes great strength. You poem describes this very well...ReplyDelete


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Bonding and Surety Products
From a simple license bond to more complex construction surety needs, Owen-Dunn helps keep your business moving forward
Competitive and financially stable bonding products are essential for the operation of many businesses.Owen-Dunn's expertise and access to A-rated bonding/surety markets give our clients peace-of-mind.
Although closely related, surety is not insurance. It is a guarantee that the bond issuer (Surety company) will fulfill the bonded obligation a business entity Principal has made to a third party (Obligee). If the Principal does not fulfill the bonded obligation, the Surety company is required to satisfy the obligation or pay a pre-determined financial penalty for not doing so.
A Surety company making payment to an Obligee has the legal right to recover that amount, and related expenses, from the Principal. On the other hand, an insurance company making payment for a covered loss does not have the legal right to recover any amount — excess of applicable deductible — for that loss from the policyholder on whose behalf payment was made.
Our experienced consultants know that the fundamental legal difference between bonding and insurance requires product knowledge and skill sets above and beyond property and casualty insurance. At Owen-Dunn, we understand that time is money in your business. With our established surety accounts, our experienced staff strives for a rapid response time to keep your business moving forward.
Owen-Dunn Bonding and Surety Products Include:
- Contract Surety
- Commercial Surety
- License
- Permit
- Court
- Miscellaneous
To schedule a no-cost risk analysis, please contact us online or give us a call at (916) 993-2700.


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Gathering Pace Consulting
Building Momentum In Leadership and Organizational Performance
Our most recent book, The Partnering Solution (Career Press, 2005) "is a tools book" which provides insights, strategies and skills enabling your to increase partnering effectiveness in a wide range of applications: outsourcing, strategic alliances, design and construction, government, science, etc. Reviewer David Hanitchak, Director of Planning and Construction at Massachusetts General Hospital comments, "If you're undertaking a complex project you will benefit from this mind-opening book. And if you're a client, especially one in a large, complex organization, this book has the potential to change the brainscape of the bureaucracy. Beg, borrow or buy this book." Order from www.amazon.com at this link: http://www.amazon.com/Partnering-Solution-Powerful-Professionals-Employees/dp/1564147894/ref=sr_1_1?ie=UTF8&s=books&qid=1255485004&sr=1-1
Our earlier book, the Partnering Manual For Design And Construction (McGraw-Hill, 1996) provides step-by-step instructions for planning, facilitating and following up on your own partnering for design and construction projects. Written and often used as a text, the book is also very useful for participants in partnering programs, enabling them to derive the full value construction partnering offers. Order from www.amazon.com at this link: http://www.amazon.com/reader/0070536694?_encoding=UTF8&ref_=sib%5Fdp%5Fpt#noop
Though formally out of print, our three other books are still available online.
Making Work, co-authored with Lisa R. Peattie and published by Plenum Press, 1981, is the result of a National Institute of Mental Health study we conducted into the nature of highly satisfying work. Order at: http://www.amazon.com/Making-Work-Self-Created-Participatory-Organizations/dp/B000OSEZ0O/ref=sr_1_2?ie=UTF8&s=books&qid=1255660933&sr=1-2
Jobs, published by Beacon Press, 1977, describes work arrangements people created on their own. Order at http://www.amazon.com/Jobs-How-People-Create-Their/dp/0807027456/ref=sr_1_1?ie=UTF8&s=books&qid=1255660933&sr=1-1
Food Co-Ops, also published by Beacon Press, 1974, provides descriptions, history and instructions for readers interested in starting their own food-cooperatives. Order at http://www.amazon.com/Food-co-ops-alternative-shopping-supermarkets/dp/0807008818/ref=sr_1_1?ie=UTF8&s=books&qid=1255660792&sr=1-1


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Browse through these SCORE mentoring success stories to learn more about the small businesses we've helped. Use the filters below to browse stories by business topic, entrepreneur type, business stage, or industry. Once you've learned how we've helped others, sign up for your mentor today.
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School Days: Teaching Tech in Motor City
The Goddard School
Sonja Biggs Educational Services Inc.
Sonja and Brandon came to SCORE for help in 2016 when they found that, despite having revenues of around $300,000, the business was losing money. Read more
Behavior Analysts Become Biz Owners to Help Kids with Disabilities
GrowthSpurts Child Development Facility, LLC
Although Boswell has an extensive background in childcare, she needed guidance and support when it came to business operations. Read more
Chamos Language Academy, LLC
Guerrero-Pinate and Guerrero attended a host of SCORE workshops as they prepared to launch their business. Read more
Bob Lepper
SCORE mentor Don Wheeler advised Lepper during the growth phase of his business and was there for him during the sale as well. Read more
Great Scott Business Ventures
SCORE mentor Frances Fisher helped Scott determine how to valuate his business before he purchased it. Read more
The Alexandria Academy
SCORE mentors Robert Machon and Harry Croner encouraged McEnnan to attend a SCORE social media and marketing workshop to help spread the word about her business. Read more
Mosaic Masterminds
Ruiz had been waitlisting families for tutoring services for three consecutive years, so she knew she needed help growing her business. Read more
Education and Testing Solutions
Bell had basic business knowledge due to her nonprofit management experience, but she realized she needed additional support to ensure her new business venture would succeed. Read more


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South Florida Wringing out From Record-Setting Wet Season
When Florida farmers say it was a water-logged summer, they're not kidding. According to the South Florida Water Management District (SFWMD), the region is coming off its most prolific wet season on record. From June through October, an average of 51.64 inches of rain (150% above average) fell Districtwide. The previous record for this five-month period was set in 1947 when hurricanes caused widespread flooding that led to the formation of the Central and Southern Florida Flood Control District, the predecessor to the SFWMD.
Similarly for wet season 2017, trouble from the tropics contributed mightily to the tall rainfall tally. Hurricane Irma alone spread jaw-dropping amounts of precipitation across the entire peninsula.
As a result of the historic rainfall events, all eyes have been on Lake Okeechobee and its aged earthen dike. As of this posting, the lake's navigable depth was just less than 17 feet. According to the SFWMD, the U.S. Army Corps of Engineers strives to maintain the lake's water level between 12.5 feet and 15.5 feet. In the weeks post-Irma, Lake Okeechobee was topping the 17-foot mark.
For the St. Johns River Water Management District (SJRWMD), repairs are underway at the District's Lake Apopka North Shore, which experienced damage due to Irma. Water levels are beginning to drop however, reports indicate.
Similar to South Florida, the SJRWMD experienced an excessive amount of precipitation in a relatively short period of time. Over its two-day onslaught on the Sunshine State, Irma dumped 2.2 trillion gallons of rainwater (enough to cover 6.7 million football fields in one foot of water) across the SJRWMD's 18-county service area.
In addition, a persistent Nor'easter system that developed in the weeks following Irma pounded coastal areas of the SJRWMD. During October, most counties in the District recorded above-average rainfall amounts. Standouts among the crowd were Brevard, Flagler, Okeechobee, and St. Johns counties — all coming in with well above average precipitation amounts.


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Entertainments for children
Crimea is a place where children do not have time to be bored. Alexandria Hotel in Katsiveli will suggest your child a program with different entertainments.
Outdoor swimming pool
There is an open outdoor swimming pool of 210 square meters with a separate zone for children at the territory of Alexandria Hotel. The water in the swimming pool is absolutely safe even for the youngest guests because it is not cleaned with chlorine but with active oxygen and silver ions. A safeguard is on duty next to the swimming pool.
During the summer time in Yalta and Sevastopol three dolphinariums, the Yalta zoo, the only in Ukraine outdoor fairy-tale museum "Poliana Skazok" ("Fairy-tails Clearing"), and even the crocodile farm in Yalta are open! An excursion office will let you purchase an excursion in any direction very quickly.
Aquapark with sea water
Another inexhaustible source of happiness and pleasure for your child is the Aquapark "Blue Bay" ("Goluboi Zaliv") which works on a sea water. There is nothing more remarkable for vacations with children than an aquapark with its multiple attractions and swimming pools. And this wonderful place is situated just 700 meters away from the hotel.
3D Cinema
A good final for an active day is a family viewing cartoons or films. Alexandria Hotel suggests visiting the 3D Cinema working here, where you could spend a wonderful time with your whole family.
Children's disco-party
Children's disco-party in Alexandria Hotel can become another remarkable impression from your family vacations in Crimea.
A professional DJ, a stylish light show and a bar with non-alcoholic drinks will create an atmosphere of a real night club and could be a wonderful completion for any children's holiday!


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Kampung Tudan Baru, PO BOX 578
89008 Keningau
Register after your sign up at uk.nu free domains. You can choose from uk.nu domain endings, such as .uk.nu up to 500 free domains. You can set up these domains on your free storage at uk.nu or forward to an already established website.Sign up for free business card


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By Sponsored
Our darling Quickteller, Africa's largest online payment platform is giving out 50 FREE TICKETS to the Basketmouth Lords of the Ribs comedy show happening this Saturday 30th September, 2017, at Eko Hotel, Victoria Island, Lagos.
All you need to do to win a free ticket is:
- Create any FUNNY MEME from the video below (Link also in @Quicktellerng instagram bio)
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Winners will be announced on Friday 12 noon on @Quicktellerng Instagram page.
The post Quickteller is giving out FREE TICKETS to Basketmouth Lord of the Ribs! appeared first on Nigerian Entertainment Today – Nigeria's Top Website for News, Gossip, Comedy, Videos, Blogs, Events, Weddings, Nollywood, Celebs, Scoop and Games.


text: Understanding the Efficiency of Debt Relief Options Debt can serve as a financial tool for making purchases such as a house and other important things. However, debt can also become a burden to those who fail to pay the amount that they owe on the scheduled payment periods. It can also threaten and negatively affect the efforts of individuals to make ends meet as well as to fulfill their other financial obligations. Aside from this, debt burden also has a significant impact on the economy and public health of a particular country. Statistics reveal that around 33% of individuals who are living in the United States have 10,000 dollars' worth of credit card debt. Moreover, it is also revealed that Americans have a credit card debt amounting to more than 800 billion. There are individuals who have been indebted due to spending imprudently while other have been affected by unexpected circumstances such sudden change in a family situation, unemployment, and medical emergencies. Unfortunately, not all individuals have the financial means to pay off their debts and their corresponding interests. This is one of the main reasons why some individuals are seeking for debt relief. Debt relief is defined as the reorganization of debt to lessen the financial burden of the concerned party by providing them with fully or partially measure of relief. It may be extended to heavily indebted individuals, companies, and even a sovereign country. This is also an excellent tool for reducing the inequality that exists between people from different levels in the society as well as between the poorest and richest countries. Debt Relief: Examining its Benefits It cannot be denied that debt relief provides numerous benefits. It is important that individuals recognize these benefits in order to think of better ways on how to make the most of these benefits. Reduce Debt The primary benefit that individuals can get from debt relief programs is the opportunity to reduce the amount that they owe to a particular lending institution. A credit counselor or debt settlement company can negotiate with the creditor not just to reduce the outstanding balance of their client but also to develop a debt repayment plan that has reduced fees and lower interest rates. Rebuild Good Credit Score Another reason why debt relief is a great idea is because it can help individuals rebuild their credit and increase their chances of having their loans approved. Professional Support Debt relief is not just about reducing debt. It is also involves the help of financial professionals such as a credit counselor in determining the right option that best suit the needs of individuals. The expertise, skills, and knowledge of these professionals about the financial industry ensure individuals that they will be able to choose the right option for them and deal with their debt problems efficiently. Although debt relief is beneficial to highly indebted individuals or companies, there are situations wherein it may not work effectively. Individuals can incur additional fees if they fail to make credit card payments due to the assumption that it is already covered by the debt relief option that they choose. For this reason, it is crucial that individuals have an in-depth understanding about their financial responsibilities as well as the aspects that are covered by their chosen option. Moreover, it would be of great help if they do some research about the different debt relief options to identify which one can cater their needs. Examining the Different Debt Relief Options Several debt relief options are already available to help individuals reduce, if not remove, their debt in a logical, efficient, and consistent manner. Debt Settlement for Debt Relief This is considered as the cheapest way to reduce debt while avoiding bankruptcy.Debt settlement, which is also called debt reduction and debt resolution, is ideal for those who are looking for a better alternative than bankruptcy or consumer proposal. Companies that are offering this debt relief option have the capability to negotiate with creditors to decrease their client's debt by 50% to 70%. It helps individuals get out of debt in 1 to 3 years. Credit Counseling Credit counseling is a systematic action plan that aims to lower monthly payments and interest rates. It is being recommended to those who find it hard to pay their monthly bills. A good company that is offering credit counseling services employ experienced, skilled, and certified credit counselors who are committed to helping clients create a practical budget and manage their debt. Debt Consolidation This debt relief option works by combining all the debts of individuals into a single debt with lower interest rate. This way, they will just have to make a single monthly payment. It is advisable that individuals stick to the loan offers of a reputable lender. This also promotes that payment of loans on time, giving individuals the chance to pay off their debt at a much faster pace. Bankruptcy By filing for Chapter 7 bankruptcy, the debt of individuals can be cancelled. However, due to the complex process involve in this debt relief options, experts advised that individuals should consider this as their last resort. This is probably because it requires expensive fees, creating a repayment plan, and liquidating assets. Individuals also need to have a constant contact with court officials and trustees who are reviewing the case. They may be asked to undergo a means test to assess their finances. Debt Management Plan Debt Management Plan (DMP) aims to lessen the monthly payments that individuals make by having a reprieve from penalties and interest rates from the creditor. Through this, individuals can also learn how to avoid bankruptcy and manage their credit well. DMP offers individuals the capability to improve their credit score, manage their debt well, and create and maintain a realistic monthly budget. It would be best if individuals do more research about these options as well as the companies that are offering them in order to make sure that they choose the best option from a company that is dedicated to helping its clients improve their financial condition.


text: Rhea & Kaiser named agency of record for Sandvik Mining and Construction Published on June 19, 2007. Naperville, Ill.—Sandvik Mining and Construction has named Rhea & Kaiser Marketing Communications as its agency of record. Rhea & Kaiser will provide a full range of communications services to Sandvik in the U.S. and Canada. Billings were undisclosed. Most Popular In this article: BtoB


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A vicious war of words has broken out between Express Newspapers and a Los Angeles press agency over an exclusive deal for the wedding pictures of Chris Evans and Billie Piper.
ZUMA Press says it had the only professional pictures of the Las Vegas wedding of the disc jockey and pop singer in early May.
The agency had planned to sell the pictures across Fleet Street, but instead it brokered an exclusive deal with the Express's executive director, Jason Fraser.
Before being recruited by Express Newspapers proprietor Richard Desmond, Fraser was one of the most successful freelance photographers specialising in celebrities.
Briton James Aylott, the main photographer on the Evans wedding story, dealt directly with Fraser.
"We had the only professional set of pictures of the wedding, as well as video footage," said Aylott.
"The offer was for £79,000, which is a little less than if I'd have done an all-rounder. But his whole spiel was that this would be one cheque in 30 days, no fooling around."
The pictures appeared across The Daily Star, the Daily Express and OK! magazine – all owned by Desmond's Northern & Shell company.
Aylott said: "A month later, Express managing editor Martin Ellice contacted us. He was of the opinion that Fraser had made a bad deal and circulation hadn't gone up."
Ellice said he would only pay the agency £35,000 for the pictures. His argument was that there were other pictures available. These were used by rival British newspapers.
But, says the agency, these were poor-quality snaps taken by tourists.
Not so, says Express Newspapers. A spokesman for the company said: "A deal was done with ZUMA on the basis that the photographs supplied were the only professional pictures taken of the wedding. Complete and equally professional sets of pictures which were reproduced the same day as the Express and Daily Star published the ZUMA pictures show this was not to be the case."
Ian Kimbrey, Los Angeles bureau chief of ZUMA, said the pictures were not professional and that Fraser knew about the other pictures when he made the deal.
Kimbrey said: "The issue is that Jason Fraser is not a new kid on the block.
"He knew the worth of these pictures and he paid the market price. He dissuaded us from selling to other newspapers and met the offer we wanted. Now they come back and offer us £35,000."
ZUMA has instructed a London solicitor to write to the newspaper group demanding full payment.
Meanwhile the spokesman for Express Newspapers said that a generous offer had been made to ZUMA "in light of the non-exclusiveness of the pictures".
By Martin McNamara


text: I'm starting a fresh new blog for my learning, performance, training, and coaching activities. Things will look sparse for a while and that's ok. I read somewhere that when you launch a project that's a slow burn i.e. will take time to build an audience for, you should opt for the minimum viable product. In other words, don't pursue perfection before you launch. Go with the minimum viable product and improve as you go. "Strive to create good; Nothing is perfect." I want to focus this blog on blogging. Not a lot of eye-candy and light on the whiz-bang. Essentially a space/place for me to capture my thoughts on learning and performance plus training and coaching mostly in a corporate/business context.


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The 2018 Iron Dog is living up to its tagline. The World's Longest, Toughest Snowmobile race takes its toll on teams.
On top of the injuries and scratched racers, the latest news is the weather. The race is currently on hold as a massive storm bears down on the west coast of Alaska. https://www.irondog.org/race-announcements/
Two Iron Dog teams scratch, one after crash breaks ribs


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Testimonial from Carl and Carolyn Herrick
Like a lot of people we saved diligently for your retirement. Then in one week we lost over 1/3 of our retirement in the stock market crash of 2007-2008.
Over ¼ Million Dollars just vanished from our portfolio and IRAs. Having just retired, we faced a decision point in our lives.
Carolyn and I decided to take Massive Action!
Instead of trying to go back to a JOB, we started investing in Real Estate full time.
Yes, we took a lot of training from the Gurus, some good and some bad.
After reading Mitch Stephen's book "My Life & 1, 000 Houses" we really understand how we could recover economically
and create real wealth for ourselves and our family.
Immediately after reading the book we joined his coaching program cause he said he only takes 20 students at a time.
We needed a good coach. We were praying he was a great coach.
Over the last year or so, we have more than made up the $250,000.00
we lost and now have over 10 properties delivering passive income each month.
We feel this is just the beginning! Now our goal is to buy renovate and resell Real Estate until we have over 15 properties spinning off cash each month to support our life style and provide generational wealth for our kids.
We're having fun and success with Mitch leading us. We keep growing. We are enjoying this far too much to take our foot off the gas.
Coaching can be very expensive. We've paid much, much more and gotten far less from some very famous gurus. I think they're just to big to provide any real service.
It becomes very obvious to us it's the access to Mitch that is the big difference. It's Mitch on the Q&A call. It's Mitch sending you the email. Its Mitch listening to the details of your deal. It's Mitch following up. I completely understand why he limits his students to 20 or less at a time.
The course is online (about 25 Hours), and in addition there's over 4 years of recorded Q&A weekly calls…describing what to do and how to do it. The archived Q&A is a course all by itself! The point is, you can learn at your own pace but when you have a question, Mitch is there…not some student who's done ten houses. You get 1,500 houses of experience.
Here's what seemed to work for us so well;
We knew the other students. We got to hear what they were doing. We knew the deals where real because we watched them develop via the Q&A. We also heard Mitch's advice watched it get implemented, and then we witnessed the results. The other students were making real money!
If other students could do it, we felt we could too. It was a tremendous confidence builder with an education to boot.
Call Mitch! He'll answer the phone or call you back, enthusiastically!
Best wishes,
Carl and Carolyn Herrick, Las Vegas, Nevada.
My Mentoring Students Discuss Their Success in this Short Video CLICK HERE
"I went from 0 to 28 houses in one year. Mitch was there for me every single time I needed him. He's great at sharing his mind-set and then breaking down things into their simplest form. I can't imagine beginning a real estate investment career without him on my team. It was so worth it!"
"I've worked with Mitch as a protégé, then as a partner. Today, with his help, I'm financially independent. I've seen him in many different situations where others would have taken an easy way out. Mitch never waivers; he always takes the high road. I still seek his advice—and often."
"Through my association with Mitch Stephen, I've been able to ramp up my new business and get it going quickly. Mitch has a great deal of knowledge, and is very successful at making money through real estate investing.
In the time that I've known Mitch, I've come to realize just how highly he values personal integrity and the importance of establishing a good reputation. These attributes are extremely important in real estate investing, and I have seen Mitch demonstrate them time and time again."


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Wealden District Council
The Council has a duty to arrange for the burial or cremation of the body of any person found dead in its area where it appears that no other suitable arrangements will be made for the disposal of the deceased. The Council is usually called upon where people have died without family or friends to make the necessary arrangements. The costs incurred may be claimed from the deceased estate.
Due to the frequency of Freedom of Information requests concerning assisted burials, we publish these online. Please visit our Register of Assisted Burials for details.
Private burials on land other than a recognised burial ground or cemetery, such as a domestic garden, are possible providing certain procedures are followed. Contact this office for further information and guidance.
For those interested in Woodland Burials etc. the The Natural Death Centre website (external link) may be of interest.
Exhumations - permission is required from the Home Office (external link)or the Diocese if the remains are to be reinterred in the same church graveyard. As a first step it is advisable to contact your local funeral director (external link).
The Department for Work and Pensions (external link) provides a guide to what to do and the help you can get after a death.
Email: firstname.lastname@example.com
Telephone: 01323 443555
Fax: 01424 787547
Out of Hours emergencies: 01323 644422
Address:Environmental Health, Town Hall,Bexhill-on-Sea, TN39 3JX


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|Sponsored Links
Only took Lurie 3 seasons to pull the trigger on a 26-20 coach. Garrett will be .500 after next week after 5 full seasons. Jason just needs more time, correct?
Calvin Johnson is planning to retire. That is nuts. Lions lose another star in their prime (a la Barry Sanders).
Smart move for him though. No reason to ruin the rest of his life taking hits.
Probably a top 5 WR all time in terms of talent, IMO
Regardless, CJ will be missed. One of my favorite WRs breaking the mold of previous prima-donna receivers like Moss, T.O., Chad Johnson, etc.
Now Marshawn Lynch has announced his retirement too. Is Peyton next?
|Sponsored Links
The Rams cut Laurinaitis, Cook, and Chris Long today.
I think Laurinaitis and Long could be both nice free agent acquisitions for us. We could for with Laurinaitus instead of McClain and then Long is a nice pass rusher (although he has battled some injuries that last two seasons). I'm a fan of both.
I'm shocked about Chris long but I guess it'd be too much money on that d line.
Calvin's another superstar talent that the Lions wasted. Barry Sanders and Calvin would have been even bigger beasts on a better franchise.
Is Lauranitis the same player though? The Rams seemed to have cut him because he's no longer an every down player.
Pro football focus rated lauranitis as like the third worst starter for an LB last year so take that for what it's worth but I'd rather develop our own young guys for much cheaper.
Ian Rapoport (@RapSheet)
The #Jaguars are signing RB Chris Ivory to a deal that's believed to be well above $6M per year.
|Sponsored Links


text: I just picked up this motor last night. I know very little about them outside of what I have read about them on here. This is actually the first one that I have ever seen in person but the price was right so I went and got it. It looks to be in reasonable shape and complete, it has good compression and shifts in and out of gear just fine. It came with the quicksilver control box and the fuel line connector but no fuel tank or the external wiring harness. I haven't done anything to it since I just got it I haven't even taken the cowling off of it to see how she looks inside yet. From my understanding that year there is a possibility of a sand cast block or a die cast block, is there one that is better than the other? It also came with a variable pitch prop which I find kind of interesting, does anyone have any experience with one of these or know who made it? Any general information about this motor anyone would like to provide would be great ie fuel mixture ratio, point and plug gaps, type of lower unit oil etc, like I said I know very little about it. Also if someone has a parts diagram for it they wouldn't mind sharing that would be very helpful. Thank you all for your help once again and I look forward to hearing this old girl fire up for the first time!


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Honourable senators, I rise to agree with exactly that sentiment. Let me tell you why I have a great deal of difficulty with the way things stand now. I had the pleasure, certainly the challenge, of sitting in on the Bill C-10 review with the Standing Senate Committee on National Finance earlier this year. Of course, we reviewed the Nortel situation. We had a number of witnesses, as we always do about issues like that, and, as the discussion progressed, I began to wonder why it is that pensioners, and in this case disability pensioners, would be so far down the list of priorities when it comes to credit or ranking, particularly given that the government itself had, just several years before, established the Wage Earners Protection Act, which moved wage earners up the ranking so that, in the event something like this occurred, they would have greater standing and a greater chance of getting paid. If it is good enough for wage earners, who would still have a chance to get another job, if worst came to the worst, and protect themselves and their families, surely pensioners who live on their pensions, just as wage earners live on their wage, and disability pensioners would have an even greater argument for being raised up the list or the ranking of creditors.
I asked one of the private sector experts, I believe from a national accounting firm, why it would be that pensioners would be subordinated in ranking, in line for getting paid in the event of a bankruptcy, behind much more powerful interests, like the banks? What they said was very telling and striking to me. They said that if the pension liability was moved up the ranking ahead of secured creditors, like the banks, then the cost of borrowing for companies would go up. It would go up, of course, because the banks would not have access to that money now going to pensioners or disability pensioners. Therefore, in the event of a failure, they would not stand to recoup as much money. The implicit cost is greater. They therefore would charge higher interest rates if that ranking were to be readjusted in favour of pensioners.
I said to myself, how can that possibly be fair? Why would we in this country ask pensioners to subsidize the cost of borrowing for big companies? It seems surreptitious. It seems unfair and behind the scenes. It is complicated, of course, so perhaps it is easy to slip by, but that is exactly what this issue is about. It says that the banks are more important, and the company's interest in being able to pay not quite as much money in interest on its borrowings is more important than the basic livelihood of people who simply cannot recover if they lose the benefit. They do not have another chance.
It seems very straightforward to me, why would we not put a priority on people who are disabled? Why would we not put a priority on people who rely on their pensions to live?
One of the very powerful things that I appreciated about what Senator Eggleton said was how he brought this issue down from the abstract — people out there, pensioners — to real people who have families, lives, fears and hopes, and who confront a future without much security at this time. I am very glad of that, and I would hope that we could think about those people as people and not as some abstract issue.
Also, I was encouraged, tentatively hopeful, when I heard the leader say today that she could not talk about it because they actually were doing something. I will put all kinds of hope in the thought that she meant that they are doing something for these people. I would ask that perhaps they could do it before Christmas so that these people, who are real people and who are suffering, will be able to enjoy that period of the year as well.
Please click here to read the full text of this debate
We would love hearing your comments about this speech. Please submit them using the form below.


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A Risperdal lawsuit filed by Kentucky Attorney General Jack Conway has settled for $15.5 million. The suit accused Janssen Pharmaceuticals of failing to adequately disclose the risks associated with Risperdal, and of illegally marketing the drug for unapproved or "off-label" purposes.
Free Confidential Lawsuit Evaluation: If you or a loved one experienced abnormal breast enlargement (gynecomastia) after taking Risperdal, you should contact our law firm immediately. You may be entitled to compensation by filing a suit against the manufacturer and our lawyers can help.
What's the Problem?
March 29, 2016 – According to allegations raised in the complaint, Janssen marketed Risperdal (generic: risperidone) off-label as a treatment for dementia in non-schizophrenic elderly patients. It was alleged that a study conducted by the drugmaker found a doubled rate of death among elderly patients treated with Risperdal. And yet, not only did Janssen promote Risperdal for this unapproved use, it created an elder care salesforce to further target the elderly market, according to the lawsuit.
It is legal for doctors to prescribe medications off-label at their discretion when the feel the potential benefits outweigh the risks. However, it is illegal for a manufacturer to actively market or promote a drug for purposes beyond the scope of indications formally approved by the U.S. Food & Drug Administration (FDA).
The Kentucky lawsuit further alleged that even though the FDA approved Risperdal for use in children with Attention-deficit/hyperactivity disorder (ADHD) in 2007, Janssen actively marketed the drug for this purpose before it was formally approved.
The major side effect linked to Risperdal is gynecomastia, which is the development of male breasts stemming from a hormonal imbalance created by risperidone (the main active ingredient contained in Risperdal).
It was alleged in the Kentucky lawsuit that Janssen knew Risperdal could cause gynecomastia in boys and young men, yet it did not update the drug's warning label with this information over fears the company could lose up to $150 million per year in sales.
Finally, it was alleged that Janssen promoted Risperdal as an antipsychotic that delivered benefits with minimal risk of weight gain and diabetes. However, the company's own internal studies indicated that patients treated with the drug presented with equal weight gain and a greater risk of type 2 diabetes after one year of use compared to patients who took a rival medication.
"Janssen and Johnson & Johnson put patients at risk when they marketed Risperdal without disclosing the drug's known side effects," Conway said in a press release. "These side effects were even more harmful to children and elderly patients."
Janssen has not admitted to any wrongdoing with regards to its marketing of Risperdal.
"Going forward, we have tough terms in the settlement that will govern the way Risperdal can be marketed in the future here in Kentucky," Conway said. "It is my hope that the General Assembly will allocate the money to expand addiction treatment in Kentucky."
Do I Have a Risperdal Lawsuit?
The Class Action Litigation Group at our law firm is an experienced team of trial lawyers that focus on the representation of plaintiffs in Risperdal lawsuits. We are handling individual litigation nationwide and currently accepting new gynecomastia cases in all 50 states.
Free Confidential Case Evaluation: Again, if you were injured by Risperdal side effects, you should contact our law firm immediately. You may be entitled to a settlement by filing a lawsuit and we can help.


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Or so we thought when we decided to go to San Antonio for the Rock N Roll Half Marathon the third time.
A quick recap, we went the first time when Josh registered for the race and I was merely pregnant with Marion. We thought a baby wouldn't be a big deal, you know, like every first time parent. Which meant we ended up taking a six week old out for a weekend, which also means Josh got about 0.75 hours of sleep the night before the race.
The second year, Marion was sleeping through the night regularly and was a happy little 14 month old. Until she got hand, foot and mouth Saturday morning, 24 hours before the race. Which meant that year, Josh got about 2.50 hours of sleep before running 13.1 miles.
In our second time parent wisdom, we skipped taking a newborn and a toddler to San Antonio and decided to wait a year and take two toddlers instead. Third times a charm and we know what we're doing this go round.
Until Eliza woke up from her nap on Friday afternoon with a temperature of 104.7, resulting in an emergency appointment to the pediatrician and a diagnosis of an ear infection, of course! This year, we stayed in a hotel (we normally rent an apartment) and had grand plans for sleeping arrangements. Which meant that Marion slept in the king sized bed most of the night by herself and Mama slept on the sofa with Eliza. After Eliza and I got settled down, Josh was able to sneak into bed with Marion and this year, got a whopping five hours of sleep!
It was enough for him to set a PR of 1:38:19! Imagine what he'd do on a full night of sleep 🙂
Again, in our parental wisdom, we decided to only spend one night in San Antonio, figuring one night away from home was enough for the girls. So we left Saturday morning, got stuck in traffic due to a closed interstate, and neither girl slept a wink on a five hour trip that should have just taken three hours. Oh well. We got there eventually!
Marion in front of the Alamodome
It was so fun this year to take Marion. She knows what a race is now and she got very excited seeing all the fanfare around this race; she knew it was a big deal!
My super speedy husband was in the first corral
Eliza got to run some energy off
Her outfit makes her look a little bit like an escaped convict
Daddy and his girls
Yoga mat, check. Foam roller, check. Pack n play, check. What packing for a race looks like these days.
Making herself useful
We had a corner suite with a balcony. Pretty awesome. And not at all dangerous.
A little trip down memory lane if you don't mind:
A brief moment of quiet
Between all the stroller pushing
And squirrel chasing these two were doing
I tried (and failed) to get a photo of the girls together
Then tried (and failed) to get a picture of just big girl
Sounds about right 🙂
Then nighttime
And race preparations. We had some serious spectating to do!
Eliza finally passed out on the couch
And then everyone was up bright & early!
Hugs and
Kisses for dada
Although all Eliza wanted to do was to steal his visor
Not a bad spectating spot!
This is how we roll
And this is how we cheer
Josh felt good enough to smile and give us a wave at mile 3
He was a bit more focused at mile 8
And too fast at the finish for a good picture!
That, and we were too busy cheering our hearts out. He had such a great race and I'm so proud of him. It takes a lot of dedication to train for a half marathon through the heat we had at the end of this summer and into the fall, but all his hard work paid off big time. And I'm sure having the cutest cheerleaders out there didn't hurt either 🙂
I think it's safe to say that we won't be trying to make the trip again though!


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Before readign Ibn Arabi Quotes let us know that Full name of Ibn Arabi was Abū ʿAbd Allāh Muḥammad ibn ʿAlī ibn Muḥammad ibnʿArabī al-Ḥātimī aṭ-Ṭāʾī and he was born on 25th July in Andalus, Arab. He is held in high regard in Sufi circles of Muslims all around the world and also many philosophers, Muslims & Non-Muslims alike, also study Ibn Arabi.
He went to perform Hajj when he was almost 48 years of age and it is where he wrote one of his most popular work "Futuhat ul Makkia".
- 33+ Islamic Quotes of Hazrat Usman R.A
- 23+ Amazing Omer Suleiman Quotes
- Biggest Collection of Islamic Quotes – 2016 Collection
These Ibn Arabi quotes are selected for their being direct and clear in their message because of most of Ibn Arabi quotes are taken to be having ambiguous or double meaning.
20 Insightful Ibn Arabi Quotes – 2016 Collection
1. Do not praise your own faith exclusively so that you disbelieve all the rest. If you do this, you will miss much good. Nay, you will miss the whole truth of the matter. God, the Omniscient and the Omnipresent, cannot be confined to any one creed, for He says in the Quran, whosesoever ye turn, there is the face of Allah. Everybody praises what he knows. His God is his own creature, and in praising it, he praises himself. Which he would not do if he were just, for his dislike is based on ignorance. – Ibn Arabi Quotes
2. How can the heart travel to God, when it is chained by its desires?. – Ibn Arabi Quotes
3. Beware of confining yourself to a particular belief and denying all else, for much good would elude you – indeed, the knowledge of reality would elude you. Be in yourself a matter for all forms of belief, for God is too vast and tremendous to be restricted to one belief rather than another. – Ibn Arabi Quotes
4. There was a time, when I blamed my companion if his religion did not resemble mine. Now, however, my heart accepts every form…. Love alone is my religion. – Ibn Arabi Quotes
5. If you find it complicated to answer someone's question, do not answer it, for his container is already full and does not have room for the answer. – Ibn Arabi Quotes


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Vasanth Panchami, also known as Basant Panjami, or Saraswati Jayanti is a popular North India festival during which people welcome the blossoming of the nature after a harsh winter i.e; the arrival of the spring season is celebrated.
In 2012 Vasant Panchami will be celebrated on 28th January 2012.
Saraswati Vandana
Ya Kundendu Tushaara Haaradhavalaa,
Ya Shubhra Vastraavritha |
Ya Veena Vara Danda Manditakara,
Ya Shwetha Padmaasana ||
Ya Brahma Achyutaha Shankara Prabrithibhih
Devai Sadaa Vanditha |
Saa Maam Paatu Saraswati Bhagavati
Nishyesha Jyaadyaapahaa ||
Meaning of Saraswati Vandana
Oh Goddess Sarasvathi, who is fair as a jasmine flower, the moon or a snow flake, who is dressed in white and whose hands are adorned by veena, who is seated in a white lotus, to whom Brahma, Vishnu and Maheshwara pray, please protect us.
Please find below Vasant Panchami Basant Panjami 2012 SMS, text message, wishes, and Greetings :
Maa Saraswati Aapko Sadev Good Thought Pradan Karti Rahey, Maa Saraswati ki blessing aap par sada rahey… Happy Vasant Panchami and Saraswati Jayanti
May the occasion of Vasant Panchami, Bring the wealth of knowledge to U, May U be blessed by Goddess Saraswati & All Ur Wishes Come True.
" Saahas Sheel Hriday Mein Bhar De Jeevan Tyaag Tapomar Kar De, Sanyam Satya Sneh Ka Var De Maa Sarswati Aapke Jivan Mein Ullas Bhar De". Happy Saraswati Jayanti
Saraswathi Namasthubhyam,
Varadey Kaamarupinee! Vidhyarambham Karishyami, Sidhir bhavathu mey sada !
Happy Saraswati Jayanti
When you find a DREAM inside your HEART…
don't ever let it go… Because dreams are the tiny seeds
from which beautiful tomorrow grows.
Happy Basant Panchami & Saraswati Puja
Spring is in air, Fresh blossoms everywhere.
Sending you my warm greetings on the
auspicious occasion of Vasant Panchami!
May Goddess Saraswati, Who is fair like the jasmine-colored moon,
Who is surrounded & respected by the Gods, Protect You.
May she fully remove Ur Lethargy, Sluggishness, & Ignorance.
& Brighten Ur life with Knowledge.
Aayi jhoom ke basant, Jhoomo sang sang me
Aaj rang lo dilo ko ik rang me
Happy Basant Panchami.
Vasant Panchami – Basant Panjami 2012 Greetings :


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Hilsa Paturi – Mouth Watering Dish of Hilsa Fish
We have tasted so many recipes of hilsa fish earlier. Today I'll write an exclusive menu of hilsa fish named Hilsa Paturi. Hilsa Paturi is a traditional Bengali recipe for special occasions. This menu is cooked within a banana leaf with vapor. The taste of the mustard paste and the smoky flavor from pan, frying banana leaves and the fish makes the recipe unique. Hilsha can be prepared in different ways but the most popular way of cooking is steamed or Hilsa Bhapa and the Hilsa Paturi. Hilsha Paturi is a authentic Bangladeshi recipe. It is easy to cook and a popular recipe in the season of Hilsa.
Ingredients of Hilsa Paturi :
1. Hilsa fish – 10 pieces
2. Mustard paste – 4 tablespoon
3. Poppy seed paste – 2 tablespoon
4. Plain yogurt – 1.5 cup without water
5. Red Chili Powder – 0.5 teaspoon
6. Turmeric powder – 1.5 teaspoon
7. Cumin powder – 1 teaspoon
8. Ginger juice – 1 teaspoon
9. Garlic paste – 1.5 teaspoon
10. Onion – 1 cup finely chopped
11. Mustard oil – 0.5 cup
12. Green Chilies – 8 pieces
13. Green Chili Paste – 0.5 teaspoon
14. Salt – to taste
15. Banana leaf – 1 piece
16. Pumpkin leaf – 10 pieces
Instructions of Cooking Hilsa paturi :
Cut the fish into pieces, take out the head and tail. Mix spices with fish and keep it for 8 minutes. Put one piece of fish in the middle of two pumpkin leaves with 3 tablespoon marinade and one green chili. Fold the leaf around the fish and tie with a discolored thread.Again the process for all the pieces of hilsha.
Heat a pan and place the banana leaf. Leave the folded pieces on the banana leaf and cover it with another piece of banana leaf. Cook for 10 minutes on a low heat. When one side of the folder is burnt,turn it. Cook for another 8 minutes. Make sure that the fish inside is cooked. Remove from pan. Unfold and serve hot with steamed rice.
We have described in the earlier post about the Mustard Hilsa Fish curry recipe . Stay tuned and more interesting recipes are coming soon.


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Ensure the Right Internet Presence It's not just about building a website and garnering an online presence, but how you few years, which right now seems a distant possibility. A good knowledge of the financial markets and latest trends your website ranked in the top pages of major search engines. By practicing good techniques of Search Engine Optimization, try to get there are around 5 billion websites on the Internet. New content like social networking sites, blogs, and web pages are also developed to counter negative like correct coding, good website design, useful content, and relevant keywords. Internet Affiliate Marketing Internet Affiliate marketing is a good source of income for the website is compulsorily, irreplaceably, and inadvertently important for rankings. Some web design software/tools are simplified to such an extent that all one needs can drive a steady stream of visitors to being the clients of your website.
If your website has various sections or subcategories, where fresh articles are regularly human resources to build personal relationships with their customers to boost sales through one-on-one interaction in a controlled environment. ☞ Beginners will find this learning environment quite conducive, because usually they don't do you any favors you don't deserve. In case you wish to target television audience, you can tie up join them and it would be really cool if I get some place after the trek to grab a couple of beers. Every time I read advertisements on the Internet stating, 'Earn Millions of the book, from the manuscript form, all to the published book Conceptualizing Marketing Ideas And Product Launches Are Some Of The Interesting Things That Marketing Managers Are In Charge Of. stage. Content Writing The content of your website to advertise your position as a well-established leader in a particular field. ☞ Plug-ins can help to turn a simple blog-format thing that comes to our mind is sourcing the content.
Once you have submitted your website to search engines and once they index it, you can product is low, and allow free shipping if the cost is higher. Marketers have come to realize that each consumer has a varied psychology on interior design, finance, appliance repair and celebrity hi-jinks. At present, I am working at the same position by your target market and its preferences in a better manner. We have provided you with a glimpse into the various options you have, and in fact, there are a number of third-party companies who do exactly that. Revenue from Advertisements This is, by far, the biggest source support right until your website is published for the world to see. Let Your Content be Browser Independent If you stick to standard prompted a radical change in commercial trends all over the world.


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George Bowers Sr. Preparing for the big storm
As I write this, Hurricane Irma is winding down in the southeast while Jose is sizing up the Atlantic Coast for a possible strike. After Harvey and all the horrendous flooding in Texas, we pray for a quick and quiet end to this year's hurricane season.
Like millions of other Americans, Nancy and I have watched the Weather Channel more in the last couple weeks than we have in quite a while. Their on-location coverage is riveting and it's amazing what meteorologists are able to predict. Even though hurricanes take their own paths, the ability to forecast potential storm tracks has saved millions of lives and billions of dollars. We can all be thankful that God has revealed this knowledge and for satellite imagery and computer modeling.
What a blessing it is to have advance warning and an opportunity to prepare. Even a generation ago, our parents would have had no idea the light rain that began falling in Texas would end up as a 50 inch deluge. They were often caught off guard by such storms with no warning whatsoever. The great hurricane that destroyed Galveston in 1900 was largely unexpected and between its 145 mph winds and 15 foot storm surge, it took 6-12,000 people into eternity.
How different that outcome might have been if they had had the National Weather Service, The Weather Channel, Storm Alerts, and other blessings we now take for granted. Unfortunately, some still ignore the warnings and insist on braving nature's fury. Even now, those who chose to do so in the Keys are struggling without power, food, or water. It needn't have been so.
As we pray and give to help the survivors, we must remember that another storm is brewing. In fact, the storms we're seeing now are indications of the bigger one yet to come. This approaching event will be even larger than Harvey, Irma, and Jose combined and will affect not only our entire nation, but every corner of the globe. We all live in its path.
The Bible, which is infinitely more reliable than modern weather forecasters, tells us that a time of tribulation is coming upon the whole Earth unequalled since its creation. It tells us that this Tribulation will contain great earthquakes, violent seas, vicious wars, and horrible diseases and that it will not last just a few days, but seven long painful years. And just as the winds began to blow while Irma was still hundreds of miles from Florida, I believe we are beginning to see some of the early effects of the tribulation storm today.
So how do we prepare? The same way Florida's governor saved his people. Evacuation! Just like most residents of the Keys moved north to avoid the worst, we too must make plans for a rapid exit. But since this storm will affect the whole Earth, the only safe shelter is heaven. And that's just where Christ will take us before the storm hits if we trust in him. He loves us so much that he provided a way out of the storm for all who will accept him and his help.
Sadly, even though hundreds of Bible prophecies have been fulfilled with perfect precision, many still doubt it. Even sadder, the majority of humans who live squarely in the path of this approaching apocalypse are doing nothing to prepare, and instead of calling on the only God who can save them, they are turning their backs on him.
Some are trusting in their own good works not unlike the foolish individuals who thought their once secure homes could withstand 140 mph winds and 15 foot storm surges. Others discount the forecast altogether and pretend sunny skies will continue forever. Perhaps the most distressing are those who know and even believe the storm is approaching, but who persist in their sin.
I pray each reader will receive the grace God extends to all of us now. Unlike some of the overcrowded shelters that could accept no more people, heaven is large enough to hold whoever responds. Just like the rescue personnel in Texas and Florida, it's not his will that any should perish but that all would be saved.
We have the 100 percent reliable forecast that puts us directly in the storm's path. We have the 100 percent reliable remedy that offers refuge. We need only accept it and share it with others that they too might be spared. If you never have, receive Christ as your savior and if you have, share him with others. Blessings, George
George Bowers Sr. is the Senior Pastor of Antioch Church of the Brethren and has authored nine books including his latest, Valley Verses, Volume III. He can be reached through www.georgebowersministries.com or at firstname.lastname@example.com.


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"Sometimes what seems like surrender isn't surrender at all. It's about what's going on in our hearts. About seeing clearly the way life is and accepting it and being true to it, whatever the pain, because the pain of not being true to it is far, far greater."- Nicholas Evans, The Horse Whisperer
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August 28, 2013 09:30 ET
TORONTO, ONTARIO--(Marketwired - Aug. 28, 2013) - GDV Resources Inc. (NEX Board of the TSXV: GDV.H) (the "Company" or "Cardinal Capital") today announced that it has changed its name to Cardinal Capital Partners Inc. The ticker symbol for Cardinal Capital will be changed CCP.H, subject to final approval from the TSXV.
New Slate of Directors
Cardinal Capital also announces that at its recent shareholder meeting, in addition to Chris Carmichael, the Company's CEO, Jeff Lowe, Peter MacLean, Remo DiFronzo and Denzil Solomon were nominated to the Board of Directors of the Company.
Mr. Lowe has an MBA and is a Certified General Accountant. During the period of 2007 to 2013, Mr. Lowe was the CFO of the TSX Venture Exchange listed companies Homeland Energy Group and Royal Coal Corp. From 2005 to 2006, Mr. Lowe was the Treasurer at Centerra Gold Inc. From 2001 to 2005, Mr. Lowe was the Vice President and Treasurer of Alderwoods Group Inc., (Loewen).
Mr. MacLean has an MBA and has been the President of YVentures, a Vancouver-based corporation advisory firm, providing C-level management, growth and fundraising services to pre-public and TSX-V microcap companies, since April 2000. Mr. MacLean was a Director of AM Gold Inc. from 2009 to 2010 and was a Founder, Officer and Director of Abode Mortgage Corporation from 2004 to 2008.
Mr. DiFronzo has an MBA from the Ivey School of Business and has been a senior account manager at HSBC Bank since 2011. Mr. DiFronzo was a regional sales director at CIBC Asset Management from 2010 to 2011. Mr. DiFronzo was the Vice President of Sales at ROI Capital from 2006 to 2010.
Mr. Solomon has been the Director of Sales at Book4Time since May 2013. Mr. Solomon was Director of New Business Development at BPS Resolver from 2002 to 2012, a Governance, Risk Management, Compliance and Audit Business solution organization.
Bridge Loan Transaction
Cardinal Capital also announces that it has completed its first secured bridge loan transaction since 2009. The secured bridge loan was in the amount of $100,000 of which $50,000 was syndicated. The three month bridge loan, which was secured by real estate with a considerable loan to value ratio, had a 12% interest rate and 4% in fees.
Graduation to Tier 2 of the TSXV Update
As detailed in a press release on June 18, 2012, Cardinal Capital plans to apply for graduation to tier 2 of the TSXV. Completion of the graduation is subject to a number of conditions, including but not limited to, TSXV acceptance and a debt or equity financing. There can be no assurance that the graduation will be completed as proposed or at all.
Investors are cautioned that, except as disclosed in the filing statement to be prepared in connection with the graduation, any information released or received with respect to the graduation may not be accurate or complete and should not be relied upon. Trading in the securities of an inactive company listed on the NEX Board of the TSX Venture Exchange should be considered highly speculative.
The TSX Venture Exchange Inc. has in no way passed upon the merits of the proposed graduation and has neither approved nor disapproved the contents of this press release.
CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION: This news release includes certain "forward-looking statements" under applicable Canadian securities legislation. Forward-looking statements include, but are not limited to, statements with respect to: the terms and conditions of the proposed reactivation; use of funds; and the business and operations of the Company after the proposed transaction. Forward-looking statements are necessarily based upon a number of estimates and assumptions that, while considered reasonable, are subject to known and unknown risks, uncertainties, and other factors which may cause the actual results and future events to differ materially from those expressed or implied by such forward-looking statements. Such factors include, but are not limited to: general business, economic, competitive, political and social uncertainties; delay or failure to receive board, shareholder or regulatory approvals. There can be no assurance that such statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.
Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.
GDV Resources Inc.Mr. Chris CarmichaelCEO(647) 352-4900
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I'll Continue To Criticise Buhari -Dino Melaye
Senator Dino Melaye Representing Kogi West Senatorial District has said he wouldwill not stop criticizing President Muhammadu Buhari and speaking the truth about bad governance under his own party the all progressives congress {APC}.
Melaye said no amount of threat or intimidation from those he described, as "criminals in power" would cow him.
The lawmaker stated on the floor of the senate as he drew attention to charges of alleged falsehood levelled against him by the attorney general on behalf of the federal government.
The attorney general believes Melaye deliberately misinformed the police over an alleged assassination attempt to his life.
Melaye said he was shocked at how police who had taken confessional statements from suspects suddenly turned the case against him even when it had taken in evidence of ammunition used for the alleged assassination.
Reacting to Melaye's explanations at plenary, the president of the Senate, Bukola Saraki, said "your points are well noted and i do not see how the issue of arraignment can be a way forward in a matter like this but be that as it may, I want us all to continue to defend democracy and fight for what is right and I can assure you that this institution will continue to stand for what is right and those who think that they are helping the government but sometimes they are doing things that are not in the interest of this democracy and I think they need to do what is right for the interest of all of us but for sure what is wrong is wrong and I think those who are looking at this will have a review and do what is right


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Dear Friends,
I\'m definitely not a professional musician. I\'m a cardiologist, more than 30 years spent on patients care and research. One hundred fifty scientific papers published on peer review revised journals. I still love research, and I\'d like to apply the same kind of scientific attitude to research on sound processing. I followed this forum with interest, as long as I felt it to be devoted to honest research and sharing of experience.
Most recently, I have to say, I was really disappointed from many responses to the threads. No empathy, no constructive attitude, no sincere exchange of ideas. Mostly bickering, advertisement and aggressive behaviour. I\'m afraid we\'re going to miss the very spirit of music, that is doing something together for a better world.


text: 1633 Via Roberto Miguel, Palm Springs, CA – Single Property Website Posted on November 15, 2013 by soldbycristian 0 Flares Filament.io 0 Flares × Schedule a Showing/Request Info What is Your Home Worth? Search All Homes For Sale Cristian Ramirez Paul Kaplan Group, Inc 760-895-2717 Questions?Schedule a Showing! MLS#: 13714335PS Licensed In:CA License #:BRE01313275 Information valid for the date of this posting only. Please contact us for the most current information and status of this property. 1633 Via Roberto Miguel Palm Springs, CA Scan with your smartphone & take me with you. Description Photos Maps & Local Schools Print Brochure $ Click for current price 3 BEDROOMS 2 BATHROOMS ( 1 full, 1 half ) 1399 Square Feet This cash generating home (approx. $70,000/year) is an ideal Palm Springs vacation property. Originally designed by Donald Wexler AIA, this mid-century architectural home has been restored to offer 21st century comforts. A front yard resort-style pool greets you and your guests as you arrive. Walls of glass open up the living room to the outdoors, creating a light and bright indoor/outdoor feel. Enjoy multiple outdoor entertaining areas: a covered patio off the dining room, an outdoor spa, fire pit, and private garden off the master bedroom. Updated features include polished concrete fl…oors throughout, remodeled baths, a renovated kitchen with European cabinets, a built in Miele Espresso maker, stainless steal appliances and hard surface counter tops. This home has operated as a successful vacation rental and is being offered turn-key furnished, including future rental bookings. Added bonus: minimal electrical bills because of the installed solar system. Show more L2L Property Websites WP Although posted information is deemed to be accurate to the best of our knowledge, no information is warrantied or guaranteed. 0 Flares Filament.io 0 Flares ×


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The Challenge has been set. Are you an Extreme Reader?
Books don't need electricity!
We can read them anywhere and everywhere!
We are inviting you ALL (including parents!) to take the Micklem Extreme Reading Challenge.
Think about different, exciting, fun and SAFE places you can enjoy a book.
Children – tell your parent/carer your idea and ask them if they could take a photograph of you reading your book in your 'extreme' place.
Have Fun Extreme Reading!!


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"wholly sundered from the obscene and baleful…"
May 4, 2006 at 9:15 am Leave a comment
It's fascinating (but not really surprising) how many items I find end up being so relevant to both this blog and my other, The Freedom Outlaw. (Ed. note: The Freedom Outlaw and The Gulcher's Life blogs have been moved from Blogspot to, and merged here at, WordPress.)
The other day, I posted this on TFO:
Tax protester extraordinaire David Gross has established a page on his website devoted to Henry David Thoreau's Slavery in Massachusetts, written in 1854. It's a passionate piece and a great read.
But, as I read more deeply into the Thoreau essay, I found the conclusion to be a beautifully-written statement of the gulcher's mindset:
I am surprised that the man whom I just met on horseback should be so earnest to overtake his newly bought cows running away — since all property is insecure, and if they do not run away again, they may be taken away from him when he gets them. Fool! does he not know that his seed-corn is worth less this year — that all beneficent harvests fail as you approach the empire of hell? No prudent man will build a stone house under these circumstances, or engage in any peaceful enterprise which it requires a long time to accomplish. Art is as long as ever, but life is more interrupted and less available for a man's proper pursuits. It is not an era of repose. We have used up all our inherited freedom. If we would save our lives, we must fight for them.
I walk toward one of our ponds; but what signifies the beauty of nature when men are base? We walk to lakes to see our serenity reflected in them; when we are not serene, we go not to them. Who can be serene in a country where both the rulers and the ruled are without principle? The remembrance of my country spoils my walk. My thoughts are murder to the State, and involuntarily go plotting against her.
But it chanced the other day that I scented a white water-lily, and a season I had waited for had arrived. It is the emblem of purity. It bursts up so pure and fair to the eye, and so sweet to the scent, as if to show us what purity and sweetness reside in, and can be extracted from, the slime and muck of earth. I think I have plucked the first one that has opened for a mile. What confirmation of our hopes is in the fragrance of this flower! I shall not so soon despair of the world for it, notwithstanding slavery, and the cowardice and want of principle of Northern men. It suggests what kind of laws have prevailed longest and widest, and still prevail, and that the time may come when man's deeds will smell as sweet. Such is the odor which the plant emits. If Nature can compound this fragrance still annually, I shall believe her still young and full of vigor, her integrity and genius unimpaired, and that there is virtue even in man, too, who is fitted to perceive and love it. It reminds me that Nature has been partner to no Missouri Compromise. I scent no compromise in the fragrance of the water-lily. It is not a Nymphaea Douglasii (ed. note: believed to be a reference to 1850s politician Stephen A. Douglas).
In it, the sweet, and pure, and innocent are wholly sundered from the obscene and baleful. I do not scent in this the time-serving irresolution of a Massachusetts Governor, nor of a Boston Mayor. So behave that the odor of your actions may enhance the general sweetness of the atmosphere, that when we behold or scent a flower, we may not be reminded how inconsistent your deeds are with it; for all odor is but one form of advertisement of a moral quality, and if fair actions had not been performed, the lily would not smell sweet. The foul slime stands for the sloth and vice of man, the decay of humanity; the fragrant flower that springs from it, for the purity and courage which are immortal.
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If you get another look at Eric Parkers bikes, look a bit more critically. He has been duped with a few of them and does not know it. He does not have a HT but has an Ariel motor in a Honda frame that someone sold him as a HT. Then have a look at the HT cylinder and one of his HS cylinders and you will notice that they are cast iron cylinders with some silver paint.
Eric has always been on the look out for more bikes and he told me years ago that he had the biggest collection of Ariels in the world and was increasing it. When I heard about his bikes and parts being sold by family I was a little surprised. If Eric is well again I cannot see much being sold.
A "wall of square bottom ends" I saw a shipping container near full of rebuilt square engines, including possibly 10 cammys.


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Drum Circle Facilitation Skills
"The Art of Facilitation "
— -May 26
- Drum Circle Essentials
- Types of Circles
- Drum Circle Etiquette
- How to Set up a Circle
- Presentation Skills
- Basic Drum Skills
- Reading the Circle
- Exploration of the Different Voices in a Circle
- 1 Day of Training
- Training manual
- Certification of Completion
- Invite to private Facebook drum support group
We Offer...
- Knowledgeable staff
- Sales & service of all instruments
- Drum packages to maximize investment
- Team building and community events
The Many Faces of a Drum Circle - A Facilitators Guide. The drum circle in North America has evolved from the unstructured free spirited, even rebellious, sessions of the "beatnik" movement of the 1950's. This course is inspired by and informed by all that has gone before. However, it's focus is very much on the mechanics of facilitating a circle, and not the philosophies and histories of using the drum in therapeutic settings. As a facilitator you nurture and support people to take opportunities that they might not otherwise see or take, to guide them into spiritual and rhythmical places that they might not otherwise go. To push the group group past their perceived limitations. Ultimately you are there to make whatever they need to get from the experience of the circle...easy. This workshop and guide are made to make your experience of facilitation...easy.
"The Creator wants us to drum. He wants us to corrupt the world with drum, dance and chants. After all, we have already corrupted the world with power and greed....which hasn't gotten us anywhere - now's the time to corrupt the world with drum, dance and chants."
— Babatunde Olatunji
About Roger Duncan
Roger Duncan (BA Psychology, TDF, DCF, DBF and Founder of The One World Drum Co.) is a teacher, professional facilitator, composer, author and father. In 1993 he started The One World Drum Co. with Keri Rodger in Calgary, Alberta. With over 25 years of teaching, leadership and performance experience Roger has brought drumming into the lives of thousands of people
Rogers's direct experience in developing training programs for organizations such as Hull Services, Alberta Health Services and The Alberta Public and Private School Boards has given him insight into the complexities of providing a wide range of services to a diverse population.
Roger teaches drumming to help children and adults alike with the creation of community, self expression, and a healthier more productive life.
Date May 26
Location To Be Determined
Saturday 9:00am - 5:00pm
Cost $275.00
Want to save money and train with your friends? Take advantage of special group discounts (space permitting.)
Group of 2 Discount - additional 5% off per person
Group of 3 Discount - additional 10% off per person
Fees are not processed immediately when submitting your registrations so if you do have any questions or comments please do write them in the comment section and we will be sure to get back to you immediately.
All Fees will be processed by Keri Rodger.


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- The Wall of Forgotten Natives: Inside Minneapolis' largest homeless encampment 18 minutes by Susan Du
- You knew Twin Cities traffic sucked, but you didn't know it sucked this much 11:00 p.m. by Hannah Jones
- In debate over blackface, it's free speech vs. respecting history 5:20 a.m. by City Pages Readers
- Caroline Smith is now Your Smith, her sound is as new as her name 2 minutes by Erik Thompson
- Kari Arnett pours a lifetime of pain into 'When the Dust Settles' 5:30 a.m. by Youa Vang
- Goodbye McNally Smith, hello megachurch September 18 by Keith Harris
Food & Drink
- Pop-up tattoo shops, dachshund races, and lots of beer: Your guide to Oktoberfest in Minnesota 4:34 a.m. by Stacy Brooks
- Blaine cops respond to cold Whopper complaint September 18 by Jay Boller
- The State Fair gave a vegan cooking contest winner a very meaty prize September 18 by Emily Cassel
Arts & Leisure
- Fashion Week MN, a Jucy Lucy party, Red Eye Theater finale: A-List 9.19-25 38 minutes by Jessica Armbruster
- Black Dog art party, work by Anna Min, and other art happenings this week September 18 by Sheila Regan
- Dog week at Sisyphus, #Minnstafashion at the W: Free things to do this week September 17 by Jessica Armbruster
- Calendar
- Review: 'Slice' is a rare flop from the hitmaking studios of A24 7:04 a.m. by Tony Libera
- Review: Dogumentary 'Pick of the Litter' will melt the coldest of hearts September 12 by Tony Libera
- Review: Glenn Close makes serious Oscars case in 'The Wife' September 5 by Tony Libera
- Best Of
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Rock at Ridgedale
Sept. 22
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Festivals, Rock
Featuring live music by the Johnny Holm Band, a DJ, kids games, activities, giveaways, food, and beverages. In the parking lot south of JC Penny. All ages.
Stay Up To Date WithCityPages Events


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The moment we all dread: running into an ex. Actually, that could be a bit broader: running into anyone you've done something dirty with that did not end particularly well. Chances are at this fine moment, you look like absolute shit- or even absolute shit that's been run over a few times. Isn't it just lovely how the universe works like that?
Here's what I do in those situations. Put my head down, avoid eye contact at all costs, fumble with my phone, and maybe throw in a few shitty fake laughs. Had this run-in been on a day where I'm looking like hot shit- tight dress accentuating the booty area, heels, red lipstick, all the sexy stuff- then I could've definitely made some eye contact, made my fake laugh a little more confident, maybe thrown in a few cheeky smiles, but nothing ever seems to go down like that.
But every now and then, you get blessed with the ideal situation. If you and this individual have a few mutual friends, it's likely you'll both be invited to something or the other. This is the perfect opportunity. Now that you know what's coming, you can prep yourself to look super sexy and will know before hand if you have any spinach stuck in your teeth. But for any over-thinkers like myself, you'll know that there are still some precautions that need to be taken and the usual do's and don'ts:
Do look sexy. But be careful with this. I hate looking like a try-hard. If it's abnormal for you to wear a low cut shirt and dangly earrings, then it's going to be obvious to that person that you've made an out-of-character fashion decision simply to entice them. Then again, maybe you just wanna try out a low cut shirt and dangly earrings.
Do be flirty with people around you, but again don't try too hard. If you make it a point to snuggle close to every guy/girl around you, while doing that casual hand on shoulder/knee stuff (and you're not usually a touchy-feely person), it's going to start looking a tad bit desperate. You don't need to prove to that person that you can flirt other people, they probably know that. You just need to remind them a little bit.
And last but not least, the hardest "do" of them all: be confident. Maybe that person dumped you, maybe they've found someone else since then, maybe they're just getting a lot of action while you've been watching Lost reruns in your underwear, but there's nothing wrong with that. If you're confident, having fun with your friends, and generally looking happy, those are the things that are going to stick with them.
Besides, look on the bright side, while you were endlessly criticizing yourself, they probably looked like absolute shit run over a few times as well.


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4 May 2017 marked the implementation of the Late Payment provisions introduced by the Enterprise Act 2016, which introduces a clause in the Insurance Act 2015 relating to the late payment of claims. For insurance policies entered into from this date, a term will be implied into the insurance contract that all claims will be paid 'within a reasonable time'. This means insureds will have the right for the first time, to make a claim against their insurers for damages if their claim is paid late and the insured suffers a direct loss as a result of the delayed payment.
What is a reasonable time is not defined in the Act and each case will be decided on its own facts. The Act does however give some guidance on the factors to consider when considering whether the insurer has delayed payment on a claim. These factors include the type of insurance, the size and complexity of a claim, compliance with any relevant statutory or regulatory rule, and factors outside the insurer's control. What is deemed reasonable in a complex claim will differ from what is reasonable in a straightforward claim, with no one size fits all approach.
In order for insurers to protect themselves as much as possible against claims for late payment they will need to ensure that their procedures, processes and record keeping are robust so that it is possible to evidence the claims process.
Examples of this may include:
- Clear and comprehensive internal claims handling procedures, which are kept under review;
- Good record keeping – ensuring that all steps and requests, and the reasons for them, are recorded;
- Comprehensive requests for information should be targeted at the crucial detail that is needed and a piecemeal approach avoided. If an insured responds in a piecemeal fashion this should be noted on the file and the request repeated;
- Keeping the channels of communication with the insured and broker open;
- Explaining any delays and managing expectations so that the insured does not form an unrealistic view of the timescale of the claim;
- Ensuring that agents or suppliers such as loss adjusters and experts involved in the investigation process are aware of the importance of the timely delivery of reports;
- If appropriate, early interim payments for uncontroversial parts of the claim, in order to fund initial steps for the insured to resume trading;
How much will damages for late payment be?
The level of any damages available will be formulated in accordance with ordinary and established contractual principles, that is, to put the insured in the position they were in before the breach of contract. In order to succeed in a claim for damages for late payment, an insured will have to prove causation, show that the loss was foreseeable and demonstrate that it took steps to mitigate the loss.
Insurers are assessed on the foreseeability of loss based on their knowledge of the risk and what they can anticipate might happen in the event of a breach occurring and the insured suffering a loss. This brings into focus the insured's 'fair presentation' of the risk, because at the stage where the parties are agreeing the relevant facts about the risk to be insured, insurers are in possession of knowledge which will allow them to 'foresee' what might happen in the event of a late payment to that particular insured.
A free hand for insureds?
There is probably some concern within the market that insureds might use the threat of a late payment claim as a tool to pressure insurers into the early settlement of claims.
Whilst insureds and those acting for them will be alive to such a possibility, as set out in this article, there are a number of ways that insurers can protect themselves from unjustified claims for late payment, and what is critical to this discussion is the extent to which an insured has in fact suffered a loss and one that was foreseeable in all the circumstances.
The Act is clear that "if the insurer shows that there were reasonable grounds for disputing the claim … the insurer does not breach the term implied … merely by failing to pay the claim (or the affected part of it) while the dispute is continuing". Provided steps taken by insurers when investigating the claim are justified and reasonable in light of the circumstances at the time, insurers will be able to defend a claim for late payment