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In what is sure to become the new profit center for "legitimate banks", many are now salivating at the check cashing/payday loan market. These customers were forced to go to the blood suckers at the payday loan offices because the legitimate banks had shunned them or did not have branches in their neighborhoods. Well, now that the market has ballooned into a 10 billion dollar a year enterprise guess who wants to reach out to these poor underserved consumers? The same banks that were under serving them, talk about the ultimate irony. The good news is that you escaped the werewolf; the bad news is you did it by running into Count Dracula's castle and its after dark.
WASHINGTON — After years of watching check-cashing stores and payday lenders steal potential customers, banks and credit unions are beginning to offer the same services and products, but in more affordable and responsible ways.
The movement comes as federal bank regulators focus their attention on the estimated 73 million Americans who are underserved by the nation's banking industry.
The hope is that mainstream financial institutions can convert the check-cashing customers and payday loan-seekers of today into the sought-after depositors and low-risk borrowers of tomorrow.[1]
Here is where it gets good, the banks and Feds would have us to believe they are doing this to drive the costs of these services down. I'm sorry, but when have banks ever reduce the costs of their services? They are tired of letting the other loan sharks make a killing and now they want to muscle in and legitimize the fleecing. Using the excuse that the current purveyors of these services are overcharging, these legitimate banks relying on their lobbyists and legislators will low-ball the competition or buy them out and have total access to these billions of dollars. Unfortunately for the current industry it won't be hard; they have done everything in their power to undermine themselves. They have been charging exorbitant fees, they have treated their customers like crap, and they have resisted any changes to their business model.
In what has to be the most insane marketing campaign I have ever witnessed they are now running an ad by the "Community Financial Services Association Employees" stating that they are now going to make their rates understandable to their customers, no more small print. I don't know how you can hide 400% annual interest in fine print, but I guess you can. Why is it whenever an industry gets in trouble they come out with these "feel good" ads about how they are just trying to help out the community? These people are predators, pure and simple. They prey on the low to middle income in an effort to keep them in the high cost borrowing cycle.
For those that don't know the program, it works like this. People who ordinarily are not able to qualify for bank or credit union loans, (eventhough many have accounts at these institutions) they go to these payday or title loan places (which usually double as check cashing centers) where they are offered small cash loans. The consumer will apply for the loan and upon approval will present the lender with blank personal checks that will be deposited on the day the borrower is paid. Here is the kicker, the annual interest on these loans average about 400% of the principal; because the lender only talks about the two week rate the consumer is usually unaware of the astronomical rate charged. The borrower can continue the loan at the maturity date by simply paying the interest of the loan. This is how the cycle begins, the borrower rather than paying off the principle will continue to pay the interest over and over or will pay off the loan only to have to take out another loan because they cannot afford the loss of income.
But today, Mary Cheh brought three former payday loan employees who said they were in business to hook low-income wage earners into a cycle of debt. This is Mike Donovan. He resigned yesterday a Check 'n Go District Manager.
Mike Donovan, Former Payday Loan District Manager:
"The average Check 'n Go customer in Washington, D.C. is continuously in debt to the company for over a year. We train our sales staff to keep customers dependent. The repeat borrower is vital to our business model."
Bill Harrod was a payday loan manager for 10 months and says he was trained to target a specific community.
Bill Harrod, Former Payday Loan Manager:
"My company was deliberately targeting minority people for a continuous loan process that they would never, ever get out of. "
And Cameron Blakely is a former payday loan store manager.
Cameron Blakely, Former Payday Loan Store Manager:
"Our borrowers were like indentured servants. They work, they work, but each payday we claimed a piece of their paycheck. Every paycheck."
The Community Financial Services Association, the payday loan association, says today's allegations do not represent the experiences of millions of customers and employees in payday stores across the country.[2]
These types of predatory loan practices are not unusual, but are indicative of this industry. Once again wealth cannot be gained by low income workers because the cost for their services is always higher than the public at large. They pay more for everything from food due to a lack of grocery stores, check cashing due to a lack of banking services, and transportation due to credit difficulties.
While I am no fan of these types of lenders, I am not naïve enough to believe that bankers will come in and make it all better. The problem is that they see an opportunity to take advantage of a consumer that will not complain or call their legislator. This is the same industry that is front of Congress regularly for high interest and bad loan practices on credit cards and other service fees. Now we are to believe that they won't bring that same greed to an industry that has been allowed to bleed communities dry? This is a travesty, the consumers will still be fleeced but by "legitimate banks and credit unions", that ought to make them feel better.
There is a system being deployed in many Third World countries where low income or even poor people are given small cash loans at interest rates that are low to help them start up small home businesses or for education. There is even a program at Kiva Org. where you can help provide the proceeds for these loans. They call them micro-finance loans and they are given to people to help them begin the process of rebuilding their lives. They are being utilized all over the world, except here. Here we have low income people being fleeced by greedy corporations, in another instance of transfer of wealth from the needy to the greedy. Where is the garlic for these blood suckers when you need it?
[1] http://www.mcclatchydc.com/226/story/22683.html
[2] http://www.nbc4.com/consumer/14100234/detail.html
Wednesday, December 12, 2007
Where's The Garlic When You Need It?
In what is sure to become the new profit center for "legitimate banks", many are now salivating at the check cashing/payday loan market. These customers were forced to go to the blood suckers at the payday loan offices because the legitimate banks had shunned them or did not have branches in their neighborhoods. Well, now that the market has ballooned into a 10 billion dollar a year enterprise guess who wants to reach out to these poor underserved consumers? The same banks that were under serving them, talk about the ultimate irony. The good news is that you escaped the werewolf; the bad news is you did it by running into Count Dracula's castle and its after dark.
Posted by Forgiven at 7:58 AM
Labels: Banks, Check-Cashing Stores, Interest Rates, Kiva, Payday Loans, Poor
6 comments:
I have seen a few of these "the banks are coming to save us articles" with no one to say "but what big teeth you have grandma"!
The difference between rich and poor, the rich have more options.
Thanks for bringing common sense to something. 'Cause in Amerika, common sense was soldout a long time ago...
- December 12, 2007 at 3:14 PM
I agree with most of what you have to say. The fact is that banks and credit unions turned their backs on the small check cashing and loan customer in the 1980's after banking deregulation allowed these guys to forego offering these products in lieu of higher profit fee based products, like overdraft protection, NSF fees, late payment penalties on credit cards, etc. Everybody has a bad bank story, usually having to do with bad service or hidden fees.
What I will disagree with you on is the comment that because payday loans are short time loans customers don't know the interest rates. Payday loans have flat-one time fees (usually around $15 per $100 borrowed), interest doesn't accrue, and the fee is paid up-front. The borrower herself writes the amount of principal and fee on her own post-dated check in order to even get a loan. So, if what you're saying is that people don't know the cost of a payday loan and are somehow "dupped into taking out a loan", I disagree.
If you're saying borrowers don't know what that a $15 fee on $100 over 14 days = triple digit APR, I also have to disagree. Federal Truth in Lending laws require that disclosure in a separate box on the front of every payday loan agreement.
If you're saying that people don't think about the cost of short term credit in terms of APR, I will give you that. It's abstract and unevenly applied. For example, banks don't have to disclose their $25-$35 ODP charges on let's say a $48 check for the day it was overdrafted as having an APR in the thousands. Think about that!
Borrowers understand the actual dollar cost of credit. Commentators should really understand what an APR means, and what it doesn't. And we all should understand our own credit scores and the effect that has on the price we pay for credit. Thanks!
- December 12, 2007 at 7:46 PM
- Forgiven said...
I disagree gogirl,
The majority of people targeted by these lenders are not credit savy and many are so happy they can secure a loan the rate could be 1,000% and they still would take it. It is a predatory practice any way you slice it and you can't excuse what they are doing...
- December 12, 2007 at 8:11 PM
Well, forgiven - define "predatory" and then we can have a discussion.
If you think triple digit APR is "predatory" then you need to include overdraft protection, credit card late fees, mortgage lending and practically every form of credit that currently exists in the market and even some that are subsidized by charities or offered by credit unions (that, by the way, can manage lower prices because they don't pay federal or state income taxes.) You might have overdraft for example, and think it's a far smarter choice than those made by those stupid payday borrowers.
Sure, you feel better about yourself - but have a look at the fees you're paying to maintain a checking account. Then add on the fees you are charged if a check overdrafts (same thing as a payday loan - the bank fronts you some money until you get paid). You'll find you're paying far more than those poor, unsavy payday borrowers.
If you think that selling products to people who aren't "savy" is predatory, then you are really on a slippery-slope. I've never seen a "only-smart people need apply - please take an IQ test first" policy at my bank; perhaps they have higher standards at your bank.
I also think you need to be careful about labeling other people "dumber than thou" - it's elitist and I doubt you can prove it. If you've conducted a scientific study that concludes that the "majority" of borrowers are "unsavy" or desparate for credit at any price, please let me know, I'd love to read it.
"Predatory" really doesn't mean anything. It is however, quite an inflammatory, emotional response. Define your terms and then people can judge for themselves whether you're right, or I am.
- December 13, 2007 at 2:52 PM
Ignoring for a moment that higher edcucation should be free, the terms for student loans are even worse.
You can NEVER rid yourself of student loan debt by bankruptcy. They will garnish your wages, social security benefits - forever - at interest and penalty rates that Tony Soprano would be ashamed to charge,
There is no statute of limitations on murder, rape or student loans.
- December 13, 2007 at 9:12 PM
Most people who use check cashing services are those without bank accounts because a bank has messed up their credit history by piling on overdraft fees etc. Somehow it takes 5 days for my paycheck to show up in my bank account, but 3 hours after I write a check to the power company they money's gone from my account. Also this is a new way for these banks to "find" the people they say owe them money
- December 14, 2007 at 7:15 PM


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It's Sunday Morning!! Praise God!! I love Sundays!! I've just had two cups of coffee and I'm looking to get a third after I write this down. While I was reading I marked down so many different things that I knew I could not write a third of them in the blog, but then I thought: that's OK, in two months, I'll be right back in the same chapters and be able to write some more thoughts down. In one year, I will have covered each 20 chapters six times. So that means I will have more opportunity to write something down. In two years, that will be covered 12 times and so you can see that eventually I can write down a lot of things that speak to my heart as I read God's Holy Word.
Isaiah and Jeremiah are the two longest books by prophets. Ezekiel is also one of the longest. They are preaching God's judgment to the people. Here are some of the things that spoke to me today:
1) Isaiah 53:3 "a man of sorrows, and acquainted with grief". Two days ago, I heard of a young preacher and his wife who lost their four year old son to cancer. I hurt with them as I heard the news. He is a young man building a new church and this sorrow has come into his life. I thought about the fact that Jesus knows the hurt of this young family. He was a "man of sorrows, and acquainted with grief". We know that in Hebrews we have a high priest "who can be touched by the feelings of our infirmities". Thank you Jesus for knowing how we hurt and caring!!
2) LET'S TRADE! Isaiah 61:3 "beauty for ashes, the oil of joy for mourning, the garment of praise for the spirit of heaviness;" God wants to make us a trade and it is wonderful. He will take the bad and give us the good. He will take the ashes of our wasted life and give us joy in return!! WOW!! Don't we serve a great God? AMEN!!
3) MOLD US LORD. Isaiah 64:8- "O LORD, thou art our father; we are the clay, and thou our potter; and we all are the work of thy hand." God molds us like clay. Dear Heavenly Father, would you mold my life today to the image of the Savior? Would you work on my heart and mind to think the thoughts that please you? Would you mold me like a potter molds the clay and very patiently works to bring forth his design. Would you help me be patient as I go through the fire, knowing that the clay vessel is only useful if it sets in the furnace for a while and is baked. We want to be pliable so God can mold us, but only until we go thorough the furnace are we useful. When in the furnace of affliction and trial, LORD, help my eyes be on you and my hope strong!
4. WHY CHANGE? Jeremiah 2:36- "Why gaddest thou about so much to change thy way?" God asks a question. Why are we working so hard to change all the time? God is constant, and desires to help us be the same. We are not to be movable, but set in the things of God. Remember I just mentioned that once the clay is fired, it stays the same. So are we to be as Christians. It is amazing to me how many Christians keep changing what they believe and what they practice.
Well, I've got to go. I get to preach and teach today. It's Sunday!!! Praise God!!
Pastor Mike Mutchler
You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.

subset: commoncrawl


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Sony Xperia Z3 Now Available!
Good news! Sony's new flagship, the Xperia Z3, is now available on multiple carriers! First off, here are the specs for you to drool over once again:
- 5.2″ 1080p Display
- 2.5GHz Quad-Core Snapdragon 801 Processor
- 16GB Internal Storage
- microSD Card Slot
- 20.7MP Camera
- 2.2MP Front Facing Camera
- 3100 mAh Battery
- IP65 and IP68 Dust and Water Resistance
- Android 4.4
- 146.5 x 72 x 7.3 mm
- Comes in White, Black , Green and Copper (Colour options vary depending on carrier)
Now in terms of the pricing, it's a little different depending on which carrier you go with. Bell charges $180 on contract and $700 outright; Rogers is charging $180 on contract and just $600 outright; Telus has it $180 on contract and $680 outright; Wind charges $200 on contract and $700 outright; MTS charges just $100 on contract and $650 outright. Regional carrier SaskTel is also going to carry the Z3 but it doesn't appear they have it available quite yet.
So who picked one up today?
Sony Xperia Z3 Now Available! is a post from: Android in Canada Blog
The post Sony Xperia Z3 Now Available! appeared first on Android in Canada Blog.


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Do you have celery seed? How much basil is left in that jar?
Too often, we purchase unnecessary spices simply because we're unsure of what we have in our cabinet or rack. Your spices may have started out organized, but with each new jar, chaos can begin to take control. Reclaim your spice rack with these easy steps.
Take everything out. You'll never know just how many spices you've accrued until you empty your spice rack. Take everything out, even the spices you know you'll keep like salt and pepper.
Audit your items. Now that everything is out of the cabinet, it's time to determine what stays and what goes. Be honest with yourself – what spices do you use? What hasn't been used in years? Put your spices into two piles: "Keep" and "trash." Realistically, the lifespan of ground spices is only eight or nine months, so if you can't remember when the spice was purchased, it's time to trash it. Be sure to read expiration dates, and put anything that's expired or soon to be expired in the "trash" pile! Before you continue organizing, toss the "trash" pile. Good riddance!
Choose your A-list. Just like in Hollywood, your spice rack has both popular stars and a lesser-known cast. Separate your spices into two piles: A-list and B-list. Your A-list pile consists of spices you regularly use like basil, salt and pepper. Put items you rarely use or have only used once in the B-list. Again, be honest with yourself. If you don't use dried orange peel on a weekly basis, don't put it in the A-list pile!
Get organized. Now it's time to get organized! Make sure your A-list spices get prime cabinet real estate, and organize within each grouping. Alphabetize or group spices by cuisine (Indian spices, Chinese spices, etc.) Choose a method that is easy to remember and that you'll realistically use.
Use similar containers (optional). It's perfectly acceptable to keep your spices in their original containers, but you might find it easier to stay organized if your spices are in similar containers. We recommend using small, labeled mason jars to store your spices. They're easy to find and inexpensive – you can get 12 for less than $1 a piece! To learn more about organizing with mason jars, read: Upcycle This: Organize & Decorate With Mason Jars.


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Where would you like to explore?
- A Treasure Hunt themed walking and train based Treasure Trail exploring the North Yorkshire Moors
- Ideal for discovering more about where you live or exploring somewhere new
- Trails are done in your own time at your own pace
- This Trail is approximately 1 mile long and takes 4+ hours to complete
- This Trail is suitable for all ages from 6 - 106 (no children necessary!)
- One Trail booklet is enough for 4-5 people
- Chance to win some real Treasure! All correct answers are entered into the monthly £100 prize draw
- Circular loop Trail
- Free mobile phone text service for clue answers if you get stuck, ensuring that no mystery goes unsolved
- This Trail can be sent to you in the post or downloaded today for instant Trailing fun!
The North Yorkshire Moors Railway Trail Treasure Trail starts at:
Train Tickets:
This Trail requires the purchase of train tickets for travel on the North Yorkshire Moors Railway. Before purchasing this Trail, please visit www.nymr.co.uk for the latest ticket prices to ensure that you are happy to pay these.
You will need return tickets between Pickering and Grosmont, which allow for a break in the journey to alight at Goathland and solve the clues there.
Alternatively you could choose to walk between Goathland and Grosmont along the historic Rail Trail (3.5 miles) which follows the older, steeper railway line through Beck Hole. It is better to start the walk from Goathland as it is downhill to Grosmont!
Train Times:
Clues are set at Pickering, Goathland and Grosmont Stations. Clues at Pickering and Goathland are in the stations themselves. At Grosmont, you will also explore the village along to the engine sheds to solve the Clues. You will need to allow up to an hour to solve the Clues. Extra time whilst waiting for the next trail can be spent exploring each station stop further at your leisure.
Please check that trains are running before you travel and examine the timetable for that day to plan your journeys. On all timetables, you will need to set off on a morning train, the earlier the better to give you more train options. On the Winter Timetable and some other off-peak periods, you will have to ensure that you are on the first train of the day. Full train times and information are available at www.nymr.co.uk
Other Info:
WCs, refreshments and shops are available at all three stops on this Trail
The North Yorkshire Moors Railway Trail Treasure Hunt Trail should be purchased prior to leaving home. Once you have your Trail booklet in your hand you're good to go! The easiest and quickest way to get the most up to date version of the North Yorkshire Moors Railway Trail Treasure Trail is to order a download version off the website. You will instantly get a link to download a PDF file of the Trail for you to print at home. This can be done at any time of day or night for instant access. If you would like a hard copy, then choose the printed option online and we will pop one in the post for you to be delivered within 2-3 working days. If you are looking to do the Trail today and don't have a printer, we do have a couple of local retailers (use the search below) or why not purchase a download and go to a local library where you can print it off. If there are no other options though, with a little patience (due to scale and format) the Trail can be used on a tablet and at a push a phone. Sometimes you just want to speak to a real person though, so call one of the team on 01872 263692, Monday - Friday 9am - 5.30pm.


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S.2273 - A bill to designate the Talkeetna Ranger Station in Talkeetna, Alaska, as the Walter Harper Talkeetna Ranger Station.112th Congress (2011-2012)
BillHide Overview
|Sen. Murkowski, Lisa [R-AK] (Introduced 03/29/2012)
|Senate - Energy and Natural Resources
|Latest Action:
|Senate - 06/27/2012 Committee on Energy and Natural Resources Subcommittee on National Parks. Hearings held. With printed Hearing: S.Hrg. 112-578. (All Actions)
This bill has the status Introduced
Here are the steps for Status of Legislation:
- Introduced
Subject — Policy Area:
- Public Lands and Natural Resources
- View subjects
Summary: S.2273 — 112th Congress (2011-2012)All Information (Except Text)
There is one summary for S.2273. Bill summaries are authored by CRS.
Shown Here:
Introduced in Senate (03/29/2012)
Designates the Talkeetna Ranger Station that is located on B Street in Talkeetna, Alaska, and that is approximately 100 miles south of the entrance to Denali National Park, as the Walter Harper Talkeetna Ranger Station.


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IIM-C: Rs 1.36 cr annual salary package
After crossing the Rs 1 crore-salary mark last year, students of Indian Institute of Management, Calcutta (IIM-C) are well on their way to upgrade the record this year, reports Mou Chakraborty.business Updated: Mar 11, 2008 03:36 IST
Going by the manner in which multi-nationals are thronging the campus recruitment session of IIM-C, it is as though the spectre of an economic meltdown is not hanging over the world.
After crossing the Rs 1 crore-salary mark last year, students of Indian Institute of Management, Calcutta (IIM-C) are well on their way to upgrade the record this year. The highest salary offered so far this year is Rs 1.36 crore, and with two days to go for final placements to wind up, the figure may well climb further.
The salaries have shot up significantly this time with multiple offers crossing the Rs 1 crore mark. The Rs 1.36 crore offer was made by a leading international investment bank to one student. The highest salary in 2007 was of Rs 1.1 crore per annum, also paid by an investment bank.
The placements for the slot zero companies — that is, the companies most preferred by the students and which traditionally make the highest offers — was conducted on March 8 and 9.
Realistically, the record may not be bettered, since it is now the turn of slot 1 and slot 2 companies to continue the recruitment process. However, since "this year a record number of companies, which includes new set of companies are scheduled to come on campus over the next few days and there are chances that this Rs 1. 36 crore mark is crossed," said chairperson of the Placement Committee at IIM-C, Professor S Moitra.
"We are expecting a 18-22 per cent hike over last years salary figures," he added.
The final placement process for this year's batch of IIM Calcutta has generated an overwhelming response from the corporate czars — from both India and abroad — with close to 100 students already placed in the firms of their choice after day zero. The positions too are global — Singapore, Hong Kong, Bangkok, London, New York, New Jersey and West Asia.
The class of 2008 at IIMC will also be the first to send students from campus to companies such as Goldman Sachs, Morgan Stanley and AD Little. In fact, only Kolkata is the only IIM to send students to Morgan Stanley, London.
Strategic consulting roles were much in demand, with major consultancies like BCG, Bain, McKinsey, AT Kearney and AD Little hiring over 40 candidates at the end of the first day of placements. "Over 100 companies are scheduled come on campus this year, some of them from West Asia. The long-term relationship that we have nurtured with companies has meant that recruitment at IIMC has always been exceptional," said Moitra.
Investment banks were the other area of interest, with the likes of Goldman Sachs, Morgan Stanley, Lehman Brothers, JP Morgan, ING, Merrill Lynch and Credit Suisse visiting IIMC.
The number of offers for students with previous work experience has also shot up, with 153 offers being made in lateral placements, held a few weeks back. This coupled with almost 90 pre-placement offers (PPOs) has meant that over 240 offers having been made to the 290 students well before the final placement process began.


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Top 10 Slice of Life Anime
Top 10 Slice of Life Anime
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These are the anime that we'd recommend if you're not into the whole shonen battle series thing. For this list we'll be looking at anime like Hyouka, Usagi Drop (bunny drop), Lucky Star, Non non biyori, Hidamari Sketch, and Kids on the Slope (Sakamichi no Apollon) to figure out which everyday life anime is the very best. High School, manga drawing, even farming - we'll cover it all in this list.
#10. "Silver Spoon" (2013-14)
#9. "Shirobako" (2014-15)
#8. "Bakuman." (2010-13)
#7. "Barakamon" (2014)
#6. "Nana" (2006-07)
#5. "Aria the Animation" (2005)
#4. "March Comes in Like a Lion" (2016-18)
#3, #2, #1: ???
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10+ standardschreiben
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Our special report teaches you . The type of individuals who are involved in police investigations through taunting letters and comprehensive notes have some want to be caught, it would seem. Right now, the authorities believed the 2 items may be real.
Probably not if you find yourself with a real time mother. Every stranger has to be feared. The guy running the store also includes a tiny vape shop in there and yet another type of side hustle also. God help you when you ever leave the house looking anything other than perfect. The truth will slowly be known, and it is truth that can set you free.
Either the letter was written by somebody who'd seen the previous missive, also it was by the exact same writer. The correspondence in red above is referred to as the Dear Boss letter and when you are hunting for Arthur Conan Doyle's title at the most obvious places it will get easy to find. Composing an official correspondence is intimidating.
Undoubtedly, the letter had a huge influence on the circumstance, just down to the character of its contents. A fairly intriguing letter is what's now known as the Openshaw letter. In fact, there's an earlier letter which uses the epithet.
When it's to do with verbal abuse, there's simply no compromise. Not much is well known for sure about the murderer, who was not apprehended. In the long run, you would like your boss to feel you are respecting their position and ability to select what's permitted. Write exactly how your boss wants to be taken care of. You'd believe you have given your potential boss a fantastic enough glimpse in your personality. What's more, it contained the taunt he had indeed attempted to perform his danger in the previous communique of clipping a victim's ears off. The author has build an incredible back story for Lacey Flint and a few other characters that are crucial. Various handwriting experts have also provided experience. You are also going to be denied her stays for a suitable burial.
As our company learned last year, there is no need to repay. Whether your business is large or small, identifying yourself is the ideal means to do it. Your job title, your particular department and how much time you've been with the firm.
Clearly your online yelp so that you are very likely to see they have a website at which you can buy tickets, but in addition they have a very small shop front it is likely to get them as well located before the meet up point. Your social networking accounts are primed for perusing by a potential employer. Rather, note you have calculated that the costs you're paying and are wondering if there are a number of lower-cost choices out there. Do not focus on the needlessly substantial expenses you're paying.
Carroll was only among the many, many guys in the exact same town at the exact time as the murders occurred. Jack had a pretty excellent understanding of Whitechapel. Jack, one of the nation's most notorious killers is thought to have slaughtered five or more women in East London over the length of 3 weeks, but was not captured. Also, the majority of the cards will feature some type of restriction that gets increasingly harder dependent on the amount about utilizing coaches or alleys. There is no decision to accept only a few cookies. Although you're sending on your project application to one individual, lots of people may review it before the decision was created to contact you to get a work interview.
Many, however, do stay in touch. Furthermore, the face was mutilated in addition to the neck which was cut. So clearly, the Cry Havoc activity ought to be carefully thought to make the most of the benefit. The preceding pair of cards is known as the Policeman Cards and give every one of the bobbies a distinguishing ability that might be used only when that particular cop is head of the investigation. Two are deemed credible by Ripperologists. When it can survive for thousands of years at the perfect circumstances, DNA will worsen as time passes.
Finding the appropriate words to say when somebody's mourning a death can be hard, but two or three hints will help you to begin. Writing obituaries can be hard if you're near the person whose death you're writing about, and writing an obituary for a youthful person can be especially tricky.
Nobody would ever like to talk about their death. Decide if you'd like to integrate the reason for death. List the reason for departure, either specifically or if you would like. It's possible to also incorporate the rationale for death. The bar for what is considered a notable, renowned death should be lifted.
Don't choose an extremely close relative, like a father or sister, as you might accidentally reveal the guy isn't really dead in a subsequent dialogue. If you are just distantly knowledgeable about the person you plan to write to, however, a condolence letter might not be the ideal way to present your concern. List what was exceptional about his or her life. Or in the event the person had many grandchildren, it might become rather expensive to name all of them. Last, attempt to compose your empathy letter on your voice, as you would ordinarily speak to the person.
A note may be a couple of sentences while letters could be a couple of paragraphs. A death notice refers to the moment an individual receives the information of somebody's death. Find more information about Everplans To assist you write a death notice or obituary, here are a range of templates. Learn more about Everplans All of the info you must know to craft the perfect death notice or obituary. A suitable death notification permits the receiver to start the grieving procedure. The petition could be achieved by mail.
Be courteous In any kind of correspondence, you write, it is critical to be courteous. A handwritten letter may be difficult to read and words may be misinterpreted. Writing a condolence letter might also be somewhat embarrassing. Announcement letters may be utilised in several personal and company scenarios. They ought to be written in a straightforward manner saying all the necessary facts. Use letterhead it's very important to compose a statement letter using letterhead if it's an official announcement.
You should provide the name of the person who expired and details about the memorial or funeral services. First ascertain which way you need to acquire the word from the passing of a loved one. The more words that you have, the larger the sum that you ought to pay.
The data in an obituary generally consists of the date when the person died and at which the funeral will be held. As you may see, there are tons of methods to offer you the exact info. It is not necessary to provide information on how he died. Be frank and make sure you add info in short and pleasant manner. For composing an obituary program you require complete personal in addition to professional information regarding deceased. When writing a death announcement, you're likely to need to integrate some simple info. At minimumyou will want to incorporate some simple information on your loved one's death notice.
You may still must compose a number of the facts to be contained in the obituary or maybe you opt to care for it yourself. You do not need to leave any essential details to back up your claim. For instance, you may rather not contain things like the specifics of a family rift in the notice.
If you're getting ready a lengthier death statement, you could also wish to integrate some biographical info. A departure announcement might also be known as a death notice. Simply put, it's a paid announcement that's typically published in a paper or another local publication. Creating a funeral statement may be a difficult task especially when you're going through different emotions like sorrow and mourning. You might choose to publish a very simple announcement in the newspaper, while supplying a more complex and private statement to relatives and friends.
The template is not just simple to edit, additionally it is print-ready and easy to customize. Try to remember that a death notice is something which you purchase, which means you need to think about your budget template and just how much you wish to spend to create such announcement. When looking at death notices, there are a few varied templates that might be followed based on the length you're aiming for the passing notice to be.


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SHREVEPORT, La. - The Gents erased an 11-point first half deficit and made 5-of-6 from the field in the second overtime as Centenary (4-2) won its first game in double overtime in two seasons against Johnson and Wales (0-14) 111-109 Friday night, December 1.
Trailing 82-77 with 1:49 left in regulation, junior Treylan Matthews made a layup and a pair from the line to cut the deficit to one with 42 seconds left. Cole Moore answered with a layup for the Wildcats, but senior Travion Kirkendoll drained a triple from the top of the arc to force overtime.
Kirkendoll finished the game with a season-high (and matched his career best) with 37 points on 14-for-20 shooting - making 12-of-13 from inside the arc. He also added seven rebounds.
Johnson and Wales raced out to a 95-91 lead with 1:51 left in the first overtime after a fastbreak dunk by Jontrell Herman, but Kirkendoll answered with a fastbreak layup. After a stop, two Kirkendoll free throws tied the game. Both teams made a free throw, including a split from the line for Kirkendoll with a second left, to force the game to a second extra session.
Centenary never trailed in the second overtime as sophomore Cedric Harris swatted the opening jump ball to the Gents basket. It was a perfect tip right into the hands of Matthews, who made the layup and put the Gents up 98-96. After an offensive foul by the Wildcats, Kirkendoll lifted the Gents to the century mark with a jumper. Later up 104-100, Matthews made a jumper and Harris added a layup to give the Gents their largest lead of the game.
Harris recorded his first double-double of the season - and the fifth of his Gents career - with 27 points and 12 boards. Matthews poured in 21 points as three Gents scored more than 20 points in the game.
Herman hit a pair of threes in the final 10 seconds for Johnson and Wales, including one that beat the buzzer, but Centenary held on for the 111-109 win.
Centenary shot better than 50 percent for the second-straight game, shooting 41-for-79 (51.9 percent). The Maroon and White also took advantage of a dominating 62-32 edge in points in the paint.
Johnson and Wales led by 11 and 36-27 with 4:23 left in the first half, but an 11-2 run tied the game. Freshman Raylon Hardy split from the line before he picked up a steal and found Harris for the fastbreak hoop. Harris hit a triple to bring the deficit back to a single possession. After Andrew Romero III hit a pair of free throws for the visitors, senior Dyllon Weaver drained a three and Kirkendoll made a layup off a steal to tie the game at 38 with a minute left. However, Johnson and Wales scored the final four points of the half.
With Johnson and Wales up 17-15, the Wildcats heated up from behind the arc to push the lead to double digits. Romero III drained a three before a Kirkendoll layup for Centenary. Herman and Romero III hit threes and Romero III put Johnson and Wales ahead 28-17 with a jumper with 7:36 left in the first half.
Romero III and Herman both made 10 field goals, scoring 34 and 30 points, respectively. Cole Moore came off the bench for 19 points on 7-for-9 shooting.
Centenary returns to action Sunday, December 3, when it travels to Hendrix. Tip from Conway, Arkansas, is set for 3 p.m.


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Whoever Kim Foxx is, Cook County State's Attorney, she is pertinent to the Jussie Smollett case, even though she allegedly recused herself from legal proceedings.
The Chicago Police department has called for a federal investigation into Ms. Foxx. Reports are that Michelle Obama's former Chief of Staff had privately attempted to intervene in the case— on behalf of the Smollett family.
Foxx also spoke to a member of the Smollett family:
Cook County State's Attorney Kim Foxx—a self-styled "reformer" who gained office largely by riding the wave of justified outrage over the Laquan McDonald scandal—appears to have pretty much botched that task in her office's handling of the high-profile Jussie Smollett case. By first intervening with police on Smollett's behalf and now allowing her top assistant to dismiss a 16-count felony indictment against the tall-tale-telling "Empire" actor with the lightest of slaps on the wrist, Foxx has endangered her political future and, more important, faith in the local justice system. "The office owes the public an explanation," former Foxx chief deputy Eric Sussman told me in a phone interview late today. "I agree with the mayor. It looks like a whitewash." It sure does. [excerpt via Chicago Business]
Kim Foxx's office didn't merely drop all the charges against Smollett, not long after Foxx began playing "Obama Celebrity Friends" with former first lady Michelle Obama's onetime chief of staff. Foxx's office dropped the charges, yes. But also as part of the deal, he will be wiped clean. His lawyers want his record expunged. That could happen as soon as today. The stain of the 16 counts in the indictment will be scrubbed right off him. You might say Foxx is bathing him in the waters of the Chicago Way, cleansing him, and making a new man out of him. And now he's smirking at the city, the mayor, the cops, everyone. [excerpt via Chicago Business]
Additionally, the Chicago Police should file criminal charges against the prosecutor for corruption and ask for a subpoena on all communications and records and payments made to her to Foxx
When David Alexrod is against your story, you are really up a creek:
It's incredible that after all these years, Chicago still deserves the nickname, the "windy" city. Do you know that nickname's original meaning was never about the weather but the politicians?
Smollett's lawyers are floating the possibility of their client suing the city of Chicago. It that's true that's a bad move. Because during the suit all those documents that Smollett has managed to expunge might well re-emerge and the deposition process will catch virtually anyone who has any involvement in this case in his web. So, if filing a civil suit, Smollett will be exposing virtually everything he has so far managed to conceal.
Smollett needs to understand that a civil suit - is just that - civil and during depositions and judicial testimony he cannot raise the defense of self-incrimination to avoid answering questions. All that 5th Amendment stuff only applies in criminal prosecutions, not in civil ones. And, during a civil action, he can be required to testify and testify against his interests.
Any attorney that represents Smollett who would threaten a civil action against the Chicago PD or Cook County, etc., is a fool.
Original story appeared - https://www.waynedupree.com/chicago-police-call-for-fed-investigati...
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The Wilson County Department of Social Services is getting a nearly $1 million facelift in the upcoming months.
The renovations, slated to begin in sometime in February, will bring the agency …
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The Wilson County Department of Social Services is getting a nearly $1 million facelift in the upcoming months.
The renovations, slated to begin in sometime in February, will bring the agency into federal compliance regarding facility space regulations for staff and its main building, officials said.
County commissioners unanimously approved the construction contract for the project earlier this month during their regular meeting. Several bids for the improvements were received in December. Commissioners awarded to the contract to Durham-based ACH Constructors.
"We will be renovating the front area of our main building, including the lobby and reception areas, and the second floor of our warehouse building," said Lori Walston, DSS' communications director.
The DSS warehouse is located directly behind the main building.
Walston said the agency is out of compliance with federal rules for staff workspaces in its main building. And moving staff from the former Career Plus location into the main facility further escalated overcrowding issues with employee office space, jeopardizing customer confidentiality.
"Our main building also does not currently meet safety standards for employees and customers," she said.
DSS officials said that a vulnerability assessment completed for the agency in 2017 identified several concerns related to employee and customer safety, specifically in the main entrance and reception areas.
The agency is financing the improvements with federal DSS revenue. The amount of the contract is just below $1 million coming in at $998,435, according to officials. No county dollars will be spent on the renovations, Walston added.
Walston said DSS leaders don't have a specific date as to when the renovations will begin, but they anticipate it will start soon. Once officials meet with the contractor, they will solidify a date, which they hope will be early February.
"Our target date is for the project to be completed by mid-July," she said.
DSS officials said that once the renovations are completed, they will be able to provide faster service delivery and a safer environment for customers.
"The project is important for public and employee safety," Walston said. "It will allow us to fully implement our one-and-done model (for) quick response customer service delivery."
Officials said it will also bring the agency into compliance with federal facility space requirements and help provide services more efficiently to DSS clients.


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11:13 AMEasy solutions for cleaning disasters
Are you passionate about keeping your house spick and span? If you are, you are probably looking for various tips and tricks that can help you minimize the time you spend in cleaning and have a well-maintained household at the same time? All too often, people find it difficult to deal with different kind of dirt and stains although their removal seems easy at first glance. Having a beautiful house requires you to be determined to achieve the ideal cleanliness. You can easily achieve that provided that you are familiar with the tips below:
As you can see, there is no need to buy expensive detergents in order to keep your house clean. Just use the aforementioned solutions and your house will be sparkling clean at all times.
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Sunday, March 27, 2011
Dutch weirdness
Elin is so sweet, even when she's really upset. (It's my fault, I couldn't stop teasing her.) But mostly, she just slept.
Her father is from the Netherlands, so I was treated to something quite odd. I knew the dry, dutch buns - bolletje, they're called - and they taste fine, if you're in the mood for them. But they were topped with butter and sugarcoated anise-seeds. So strange!?! It's apparently a tradition - whenever a couple has a child in the Netherlands, they serve this to their guests.
It didn't taste awful, just weird - but that's dutch cuisine for you, in my experience. (Hope I'm not insulting anyone. I just recall the deepfried spaghetti I got, when I was touring in the Netherlands with the band...eeeeew.)
At least they were girly-coloured = pink!
6 comments:
Sikke nogle skøre mad dimser! Pink? For real? waw! Menjeg får virkeligt lyst til at smage!ReplyDelete
Og sikke man kan se at hun har en drillemoster! ;)
Jeg tænkte på dig, da jeg skrev indlægget! Jeg må sørge for at få nogle pink, sukkerglaserede anisfrø importeret, så du kan prøve det en dag ;)ReplyDelete
Jeg er nu "kun" tante, men det gør ikke kærligheden til den lille basse mindre.
Ja, anis og sukker lyder jo ret lækkert!ReplyDelete
Man får det faktisk ofte på indiske restauranter - så stiller de en lille sølvskål med normale anisfrø og sukkerglaserede anisfrø. Så kan man nippe af dem, når man betaler regningen. Men så er de regnbuefarvede.ReplyDelete
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SKOPJE (Macedonia), January 4 (SeeNews) - The European Bank for Reconstruction and Development is lending 5.9 million euro ($6.7 million) to Macedonian state-owned electricity company ELEM for the construction of the country's first large-scale solar power plant, the bank said on Friday.
The solar plant, which will be built at the site of an exhausted lignite coal mine, will produce nearly 15 GWh of electricity and displace 12,177 tonnes of CO2 per year, the EBRD said in a statement.
"This project will help the country reduce its reliance on ageing lignite-fired infrastructure and also help the local community in the Kicevo municipality, traditionally reliant on lignite mining and generation, to develop more sustainable practices," the EBRD said.
ELEM provides 90% of the country's domestic electricity production – about 3,600 GWh from two thermal power plants and 1,250 GWh from eight hydro power plants. The company also operates two combined heat and power facilities and the first wind farm in the country, which produce about 100 GWh per year.
Macedonia is aiming to generate 23% of its electricity from renewable sources by 2020.
($ = 0.8788 euro)


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Spring has sprung and we here at WOHVA hope you are as excited about it as we are! And like us, we know many of you are out enjoying the
best spring snow we've had in years, while others are in the garage getting your bikes and rigs tuned up for the upcoming riding season.
Either way we can't wait to see you all out on the trails this year! As much as we're anticipating getting out and enjoying the fresh,
spring mountain air, we're equally excited to share with you some of the things that are going on off the trails in 2016!
By Tod Petersen, WOHVA Political Action Committee Chair
The Washington State Legislature has adjourned for 2016 after a brief special session. So how did the OHV community fare with these legislative sessions?
The good news is that no anti-OHV legislation was passed and the budget legislation includes a sizable increase in the Nonhighway and Offroad Vehicle Activities (NOVA) account allocation.
The NOVA fund allocation has been increased by over a million dollars a year. This reflects the Nonhighway and ORV portion of the overall gas tax increase passed by the Legislature last year. We expect a similar additional increase next year too. This is a significant accomplishment considering that the last few gas tax increases did not include an increased NOVA allocation.
The DNR will also receive almost a million dollars a year more in their ORV fund allocation.
Another piece of OHV positive legislation that was passed by the Legislature was House Bill 1918 (HB1918), sponsored by Representative Matt Shea of Spokane. This bill was two years in the making. It will clarify the titling process for certain ORV situations and allow any motor vehicle repair facility to conduct WATV road use inspections in lieu of only ATV shops. It was being held hostage as part of the Governor's petulant plan to punish certain members of the Legislature for not bowing to his demands, but was finally signed into law on March 31st.
There was not any aggressively anti-OHV legislation proposed this year and this may be a result of WOHVA diligently defending our sport in previous years. That said, we cannot let down our guard or the anti-OHV people will quickly be back on the attack.
WOHVA opposed House Bill 2762 (HB2762) and Senate Bill 6373 (SB6373). These bills would have significantly raised the amount of each motor vehicle registration renewal that is put into the ferry boat replacement account. This increase would have even applied to ORV permits and would have a massively disproportional impact on them. We shared our concerns with the sponsors of these bills and neither moved out of their house of origin.
Representative Cary Condotta of Wenatchee has a long history of being pro-OHV. He is the former owner of a motorcycle shop and continues to be an off-road motorcycle enthusiast. He took the bold move of introducing legislation that would have taken the five dollars that is collected from the sale of each ORV permit under the guise of an "agency fee", but really put into the ferry boat replacement account and instead put that money directly into the NOVA account. While we saw this as a reasonable and excellent idea, the Chairman of the House Transportation Committee, Judy Clibborn did not agree and blocked House Bill 2739 (HB2739) from even getting a committee hearing.
Unfortunately none of the Discover Pass legislation was passed this year. Instead, rather than fixing things, the Legislature chose to task State Parks with studying the situation. See the Discover Pass article for a more detailed description of the situation.
House Bill 2740 (HB2740) and Senate Bill 5627(SB 5627) would have clarified the existing Discover Pass exemption for ORV permitted vehicles at locations where ORV is allowed, putting a stop to the DNR's misapplication of the current law.
Senate Bill 5205 (SB5205) would have allowed spouses to pool their volunteer hours for the purpose of earning a free Discover Pass. For three years in a row, this bill or its identical predecessors have been passed by the Senate without any ever voting against it. Every year the Democrat party controlled House of Representatives blocks its passage, this year using the excuse that they are planning to study the whole Discover Pass issue and don't want to make any changes regardless of how small or reasonable before the study has been completed.
For the third year in a row, WOHVA has had the pleasure of teaming up with the Northwest Motorcycle Association (NMA) and securing the services of lobbyist Grant Nelson. While WOHVA volunteers continue to do much of the heavy lifting, having a set of experienced eyes and ears on the ground every day is an invaluable asset.
Thank you to the people that volunteered your time or donated some of your hard earned cash. Without your support we could not have accomplished what we have so far or plan to accomplish in the future.
Colville NF Draft Forest Plan Revision
By Paul Yelk, WOHVA Land Action Committee Member
After nearly ten years in development, the Colville National Forest (CNF) has finally(!) released their draft Forest Plan (FP) Revision and accompanying documentation.
On Feb 19th, the CNF released their draft Forest Plan Revision as well as a lot(!) of documentation to accompany the draft FP.
All the documentation is on the forest plan revision website:
The public comment period ends on July 5th!
Copies of the draft FP and the draft EIS are available online, as a CD, or printed copies. If you want a CD or printed copy, you must specifically ask for them. Check the first page of the "Reviewers Guide to Commenting" (available from the above web page) for information on how to obtain copies.
My list of recommended reading – in the sequence listed:
New OHV Trail in the Ahtanum State Forest
By Shane Fuller, WOHVA Communications Chair
We're excited to share that thanks to a NOVA grant, the Department of Natural Resources (DNR) will be adding a new OHV trail in the Ahtanum Forest.
The 1.5 mile McLaine Canyon ORV Trail will connect the North Fork Ahtanum Road (A3000A) to Jackass Road (A2300.) This should be exciting news to those who ride there!
In the past, A2300 wasn't easily accessible for ORVs leaving from the Ahtanum Sno Park due to a 1-1/4-mile stretch of asphalt road between the two. Now, everyone will be able to access that area right from the main parking area, opening up not only a new trail, but more loop options as well.
The total cost of the McLaine Canyon Trail is estimated at $62,000 and was helped out by the $30,500 grant from the Recreation Conservation Office (RCO). The remaining $31,500 will be matched by the DNR. A goal that Jeff Jones, Southeast Region Director for the DNR, says should be obtainable through volunteer labor, as well as material and equipment donations. The projected completion date is the summer of 2018.
In the winter this trail will become a groomed snowmobile route, so we wouldn't expect it to be an extremely tight trail. Because of this, a rumor has begun to circulate as to whether or not this trail is just going to be used to open up more logging areas. If built wide enough, smooth enough, and at a low enough grade, theoretically it could allow log trucks to bypass the extremely steep and tight section of A2300. When asked about it, Jeff assured us that "The new trail is NOT for logging trucks! It is going to be built for ATVs/ORVs with climbing turns and it will be steep in spots." It's important to note that Jeff and the DNR will be looking for input on the construction of this trail during the year. WOHVA will definitely keep you posted as the details develop.
Teanaway Community Forest Update
By Mike Reimer, TCF Motorized Recreation Representative
The overall management plan of the Teanaway Community Forest (TCF) was completed last fall by the 20 member volunteer committee. However, a very important element of the plan was left incomplete!
The reason that the Department of Natural Resources (DNR) left recreation off the plan is that the DNR and Fish & Wildlife had not completed mapping information on fish and wildlife habitat, soils, water and other critical features of the forest. In addition, road and trail inventories were not done.
To complete the recreation plan, the DNR needs more money from the legislature specifically earmarked for the TCF. Myself along with a handful of other committee members spent a couple days in Olympia in February advocating for the necessary funds to continue our work. As of Feb 24, the House came out and earmarked $436,000 and the Senate provided $236,000. Now the two bodies must reconcile these numbers. If all goes well, the committee can resume its work this spring.
As your motorized recreation representative, I will work hard to gain access to the TCF. As it stands now, only non-motorized recreation can take place within the forest with exception of the three National Forest trails: West Fork, Yellow Hill, and North Fork – plus the connector road that links them. I'll keep you posted and be asking for your help in the near future.
Auburn Business Shows Strong OHV_Support
By Bryan Peterson, WOHVA Membership Chair
In January 2016, Auburn Car Repair & Offroad (ACRO) donated $1,000 to the Washington Off Highway Vehicle Alliance (WOHVA) in support of OHV advocacy. John Mathews, ACRO owner said "I felt it was time to give back and I really like what WOHVA is doing in support of OHV users across Washington State."
John Mathews went on to say, "We're a family owned auto repair & 4x4 shop in Auburn Washington. We're also passionate about off-road recreation and have made support of OHV advocacy a part of our business model. In 2016, ACRO will donate a portion of our sales to support motorized recreation. I know this is the right thing to do and I challenge my fellow off-road business owners to join me in putting their money to work."
"We're absolutely honored to have the support of John and his crew," said Byron Stuck' WOHVA's President. "This donation will be used to support our legislative lobbyist on the ground in Olympia. Having a full time presence during the legislative session is key to our success!"
When you're in Auburn, stop by and say "thanks" for supporting OHV advocacy! Let's support those that support our sport!
Website: www.auburncarrepair.com Contact them at (253) 939-5019 for your OHV needs.
Keep Up With Social Media
By Bryan Peterson, WOHVA Membership Chair
Social Media is a great way to keep up with what's going on in your neck of the woods! There are a lot of devoted, hard-working individuals out there making it even easier for everyone to do that. We've compiled a list of the individual pages for our Washington recreation areas.
Please take a moment to check them out! If you know of one that we've left out, or are interested in starting one in an area not covered, let us know and we'll do whatever we can to help out.
WOHVA is in the midst of planning our first ever Meet & Greet Ride this summer! Right now the tentative date is set for August 13-14 in Central Washington. Stay tuned for more information . . .
By Byron Stuck, WOHVA President
Would you like to experience sunny skies near Bend Oregon, raise money for both disabled soldiers and organizations like WOHVA, and play on 300 miles of trail?
Thanks to Russ Henry, event organizer extraordinaire, the first "I Rode For A Warrior" benefit ride will allow you to do all that and more. . . Oh, and did we mention there's a raffle for a new 2015 Husqvarna FC 250 as well?
This first-year event is Russ' brainchild to help give back to those who gave so much for us. It's open to 4x4s, ATVs, SxSs, and dirt bikes – OHVs of all types. And the reason for picking this "outside Washington" location near Bend is the weather, the Pro-OHV attitude there, the ability for ALL users to find great trail fun, and . . . the weather! There is no-charge camping. The entry fee is $50 for singles and $100 for families. 65% of the proceeds will go towards purchasing track chairs for wounded warriors so they can continue to enjoy the outdoors and find a return of mobility. With the recent misuse of funds in the Wounded Warriors organization, Russ wanted to assure us that this gives very little to their general fund and primarily funds tracked chairs. Participants will receive a hat and t-shirt and catered dinner Saturday night. Plus there will be vendors and a live band.
In short, Russ is pulling out all the stops to bring some sunshine to end the winter doldrums, bring smiles to soldiers who gave so much to protect our freedom, and allow motorized off-roaders of all kinds to come together for good times. It's sanctioned by the AMA and Off Road Riders for Veterans.
Ride or wheel for a good cause . . . and have fun while you're at it exploring a trail system that may be new to you. We'll see you there on May 14th. Flyers and further details are still being developed. Look for more on www.offroadridersforveterans.com or the WOHVA Facebook page!
See something here that interests you? Did we strike a resonant chord? WOHVA is a 100% volunteer-led effort. Your efforts make a big difference. Please send an e-mail to firstname.lastname@example.com to let us know how you'd like to help.
Thank you,
YOUR WOHVA BOARD (all volunteers!)
Quick LinksWOHVA web site
WOHVA Where To Ride Website (for Washington state)


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Roughly translated to English, this is
In reality, this is the other POGS video we talked about. We liked it better, as it's actually about the development and culture of the game. Also, learn how to play the game from this video
Leave a Reply.
Bakadouga is...
Look, we make fun of stuff. We put some of that stuff online. Here's all of our video commentaries that are available to the public.
Tsuba Tries is...
Kendall F. Stovall (aka Tsuba-kun The Bullseye Ninja) once said he'd try anything once. Watch as we make him regret those words.
What about the rest of it?
Well, we make other stuff too! Check it out under "Other Films".
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20 Sep Ad-Rank now provides on-page content services
Ad-Rank has started writing on-page content for websites and blogs for a number of existing and new clients.
The move comes in light of Google's Penguin and Panda updates, which have pushed the importance of high-quality, original content even higher.
Having successfully supplied high quality content for SEO agencies and direct brands, helping to add value to major search marketing campaigns, clients have looked to us for wider content marketing services.
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There aren't many downsides to the soak, but the few include the price. A lot cheaper soaks only range from -, so for many people is quite steep. Additionally, the Muscle Comfort Soak has a specific scent of eucalyptus and rosemary. If you don't like the scent, it's not the soak for you since it stays on your skin.
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Tools & Infrastructure
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Tools & Infrastructure
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Governance with the latest technology from the best partners. Implemented under the as a service model to extend Big Data use cases.
Add Artificial Intelligence to your interaction with customers
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AI and cognitive computing ecosystem
Build your company's AI environment based on Telefónica's experience.
At Telefónica, we've come up with a new way to relate with our customers: AURA. It's an Artificial Intelligence environment that helps us create new interactions with our customers.
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Find out about the current opportunities that exist with the application of Big Data to projects for social good that help achieve sustainability and discover different projects underway aimed at reaching the UN goals for 2030.
Find out about the ethical and social challenges involved with the use of this technology and what's expected in the future. We also identify various possible actions to overcome the challenges of AI.


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Path paved for PTI to shine
AFTER years of friction and power grabs between the judiciary, executive and the military, the bonhomie currently in evidence must bode well for Pakistan's stability and raise the expectations of the people that their issues will not fall victim to infighting in the corridors of power.
You may ask me why am I so optimistic? Well, there are signs aplenty.
And you don't really have to look for them as they stare you in the face on prime time TV and if, for some obscure reason, you stayed away from that enriching fountain of wisdom paradoxically called the idiot box, the good news is plastered across the newspaper front pages the next morning.
The chief justice, whose single-minded pursuit of raising funds for the dams he deems vital to national survival may not have gathered handsome amounts but did help raise awareness of the criticality of the country's depleting water resources, has now focused his attention elsewhere.
But, before we discuss where, it would not be out of place to mention that the military and the executive seem to have endorsed Justice Saqib Nisar's efforts. The army chief too delivered a cheque of a large amount.
The journey from a clean to a competent government can't be an impossible one.
The various government ministries and even departments/entities facing huge losses such as the railways also did not shy away from stepping up to the plate. The prime minister's special assistant, UK millionaire Zulfi Bukhari, who is facing a NAB probe, has been paying his entire salary to the dam fund, his illustrious lawyer Aitzaz Ahsan informed the Supreme Court.
With this level of buy in, one can be sure that Pakistan will now embark on concrete measures to address the water issue which has already caused massive devastation in Sindh with mangrove forests obliterated and sea ingress into the Indus river to alarming levels.
The chief justice has now focused attention on another life-and-death issue: Pakistan's galloping population growth rate. Just this week he hosted a conference in order to moot suggestions and possibly a plan on how to halt the population explosion.
It was at this conference that the prime minister opened up his heart as he publicly expressed gratitude to the chief justice for taking up the Panama Papers case and thus, he said, laying the foundations of naya Pakistan. The prime minister's words appeared heartfelt; they were not perfunctory at all.
A couple of days earlier, the prime minister had given an interview to a group of anchors where he largely faced half volleys and was able to drive them on the front foot. Perhaps a tad too comfortable with the run of play, he seemed to have lulled himself into a near-hit-wicket.
This, of course, was his statement that the 'PTI manifesto' had the backing of the military. This particular angle of the prime minister's interview started to get the mild sort of flak that the government has been receiving after its 100-days-in-office milestone was reached.
Here, too, civil-military harmony would soon come into play. On a visit to GHQ soon after taking office, the prime minister had talked of this harmony, while blaming any rifts in the past on corrupt politicians rather than any issue related to civilian supremacy.
The prime minister's view received validation when the DG ISPR addressed the media in Rawalpindi on Thursday and said he had watched the prime minister's interview not once, not twice but thrice, the last just before arriving at his briefing session.
Maj-Gen Asif Ghafoor, the affable DG who in our only personal contact, a telephone conversation, was polite to a fault, said that the media needed to view the 'honourable prime minister's' statement in its entire context; he also tried to explain what the context was.
This was a far cry from the brusque 'notification is rejected' tweet when he had responded to a former premier's decision. That prime minister would subsequently be disqualified from holding office by the Supreme Court of Pakistan. It seems the establishment is now more accepting of civilian supremacy.
With such solid and meaningful support coming from powerful quarters, the PTI should now be setting sail for a smooth voyage till the end of its term and complete it sans hiccups. It should also be able to deliver on its agenda.
I say this with certainty because rarely in our history have the 'people' toppled a government before its term's end. And, this time round, as the prime minister says because a clean government, led by a clean prime minister, is in place there is no fear of destabilisation. The journey from a clean to a competent government can't be an impossible one.
This is important as there remain issues such as 22 million children out of school; an economy that is yet to show signs of any normalisation with the exchange rate bobbing up and down like a bouncy ball; enforced disappearances continuing even today particularly in Balochistan and, despite, the DG's warning, the PTM appearing determined to peacefully press for its six demands.
The issues mentioned are for another day. I will also not address what the APNS and the PBA (the newspaper owners' and the TV channel owners' bodies) are saying about how economical with the truth my friend Fawad Chaudhry has been about the payments to the media and how much is owed for government ads.
As you may have noticed, this week I have abandoned being a prophet of doom and gloom, choosing instead to be positive. In the tumultuous world we live in, even a week is a lifetime and when you see perils, not ringing the alarm bells appears like a dereliction of duty.
But the truth is, what have people like me achieved by ringing the alarm bells when we have done so responding to the dictates of our conscience? Nothing. So, what's the point?
The writer is a former editor of Dawn.
Published in Dawn, December 8th, 2018