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About Mornings with Jesus 2019Put the world on hold and step into the presence of Jesus, who gladly takes our burdens and stress, and restores them with "the peace that surpasses understanding." This uplifting daily devotional book includes 365 short five-minute readings that help you rest and recharge your spirit by putting your focus on the Living God. Each page begins with a Scripture quote, followed by an uplifting devotion that demonstrates how Jesus' life and teaching apply today. With humor, humility, and grace, the writers share insights that are easily relatable. A Faith Step is also included for you to practice throughout the day. The Faith Step will inspire and challenge you to apply the day's message to your life. With humor, humility, and grace, the writers share insights that are easily relatable allowing you a daily escape to center yourself with Jesus' guidance.
The 2019 edition of Mornings With Jesus includes:
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MAHWAH, N.J. – The night before Ramapo College of New Jersey's commencement, the Mahwah school announced its scheduled speaker, "This Is Us" star Ron Cephas Jones, would not physically make it to the ceremony.
But the Paterson native and 1978 Ramapo graduate addressed 2017 graduates Thursday morning in another way: via an audio clip played during a slideshow.
"I would also like to apologize to the staff, and to you, to the alumni, for not being able to be there today. Through a series of unfortunate events with airline security and my health I was unable to make it. I'm extremely disappointed because I wanted to surely be there with you all," Jones said in his recorded speech.
"But that is the beginning of I guess what I want to say to all of you is that a lot of times that's what life does. It throws you a curveball. And, I just decided to be honest and upfront – confront the situation as best I can, but most of all to be honest about it. And to learn how to take care of yourself," he said.
Jones spoke about his time in the theater program at Ramapo, and its influence on his life, as well as his journey to becoming a well-known actor.
He said in the years since he left Ramapo, he spent time driving a bus, working on apartment renovations, as a gas attendant, and waiter, and persevered to keep doing theater.
"Just recently over the last three years all of those things have come to pass. And now I find myself on one of the most popular shows 'This Is Us' as well as doing 'Luke Cage', 'Hero for Hire', 'Mr. Robot, 'The Getdown' on Netflix, and several others," he said.
"I guess my [advice is] always know that when you fall, you can get up. Know that when things get hard there is a light at the end of the tunnel," he told graduates.
Jones -- who plays William on the hit NBC drama "This Is Us" -- said he hoped to come back to Ramapo to do some lecturing and speaking programs.
During the ceremony at the Prudential Center Thursday morning, 1,625 graduates received their degrees, which is Ramapo's largest ever graduating class, according to the college.
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In my humble opinion, one of the funniest live shows I've seen thus far. And it's their first time back together since the 80s, so why not write about it.
We'd arrive at the theater by 9:30, just in time to catch the 10:00 show. Aside from the crowds we checked out the souvenir shop, where I'd buy a beanie, and a "Cheech and Chong For President" shirt, with tour dates on the back. While Brad picked up a Tye-dye shirt with the tour design (seen below). Somehow Brad made it through the school day with out being told to take it off, at least the pot leaf on my shirt was discrete.
Anyhow, the show started maybe 15-20 minutes late, I don't know why but it. The opener was Shelby Chong, who mostly talked about how she met Cheech and Chong, and told the story about how Chong was arrested. Then she went on to talk about how pot helps when you're PMSing, and then she let the whole audience yell "Bitches!" as loud as we could. It was the opener, and was good, but no where near the greatness that would follow.
Cheech would take the stage. The show opened with him and Chong recreating the beginning of Up In Smoke. They didn't use any props throughout the show, so the giant joint, or any joint was pantomimed. And they added some new jokes to the opening so it wasn't entirely the same as what we've seen before, but it was hilarious none the less. In between sketches Chong would often come out and do a little stand up while Cheech got ready for the next scene. They brought back some old sketches and bring some new ones, Dave wasn't there (literally, they didn't bring it back) but they did make a dope deal.
They gave us a glimpse at the first Mexican in space. So many great sketches, they brought back Blind Melon Chitlin, Alice Bowie, and my personal favorite, the elderly couple in the porno theater.
And at the end when all was said and done they did a sing-along to the Up In Smoke theme, which just brought a smile to my face. It was a great way to end the night.
In the end it was a great night, my cheeks were sore by the end (did I already say that?) If you can catch them in tour I advise you to do so. Also, might I add that Shelby Chong hinted that they were thinking about doing another movie.
Photo Credits to Richard Cole, also the man who bought the tickets that we paid him back for.
Yours Until Later,
Kevin Cole
"Yar Har Fiddle Dee Dee, If you like to sail the sea, you are a pirate" -Lazy Town


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Street front elevation that makes a statement against the street edge.
Aerial view showings the green roof blending in with the existing landscape and skylights piercing the roof.
A view of the park (green roof) above the building.
Lateral section cut view with the street side (left) and the medieval wall (right).
Exhibition area
Long Section
Underground Level
Upper Floor
Rendered wall section


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Unfortunately didn't win that trophy I intended to place upon the top shelf in the shop but there is always next time. Usually this is where I would think, "if you don't at first succeed, destroy all evidence you ever tried." Truthfully, I'm not even sure there was a trophy involved. After all was said and done we caught wind that coffee was somehow utilized in the victorious pot. So there in awe I stood having heard this little bit.... How do you use coffee in a chili??? If anyone has an inkling, kindly leave an enlightening comment please
We were told to expect around 100 people and as we pulled up we realized there was about 100 people just inside the front door!
Isaiah and I both entered our own vegetarian dish, this being my first chili ever I decided to "spruce it up." In doing so I added all your run of the mill spices as well as a few dashes of cumin and coriander. Judging by all the people who came back a second time with arm fully extended grasping their styrofoam bowls, I'd say I wasn't the only one who appreciated its distinctly variant flavor.
I'd say Alan is lookn pretty hungry there and by the looks of that devious grin Isaiah has on his face, he is provoking.
Thats my sis!


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The Very Magic Flute
Meet a lost Prince chased by a dragon, a mysterious Queen of the Night, a kidnapped Princess, a lonely Bird-Man, and don't forget the Magic Flute and Bells.
Sounds like a sure- fire recipe for a new Krazy Kat extravaganza!
Yet who can you trust, as things are seldom what they seem….?
This sparkling new musical outing is packed with beautiful puppets, costumes and magical transformations, and features fully integrated Sign Language.
Presented by Krazy Kat Theatre Company
Most suitable for ages 3-7 yrs
Select Date to Book
Mill Studio
All tickets £9Ticket price includes 50p Restoration Levy and 50p Booking Fee
Running times
Approx. 60 mins


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I felt like the beginning of this year went by so slowly as we were ramping up for our move to England in July 2017 Calendar Template but once we moved As I'm revamping my home binder for 2017 I wanted to share this free printable calendar with you all today. The 2017 MLS regular season schedule was released on Thursday The club has you covered, providing the following printable calendar. Perfect timing, as the holiday decorations can come down off the walls and the MLS schedule can go up in their place. III.A. Removal of items from the Consent Calendar III.B.
Approval of items removed from the Consent Calendar Dannis Woliver Kelley will provide legal services to the Saugus Union School District beginning July 1, 2017 through and including June 30 which can be as late as July 17, 2017 (the same date as in the earlier schedule) although states are encouraged to have insurers submit their rates by June 21, 2017, the QHP rate template filing deadline. CMS and the states with effective rate review https://www.chuckecheese.com/deals-offers/rewards-calendars • Free gift card to Half-Price Books – Kids who spend 15 minutes a day (or 300 minutes a month) reading in June and July 2017 Calendar Template can earn up to $10 ($5 per month) in "Bookworm Bucks" from Half March 15, 2017 Dr. John Lott has his newest piece in The Hill newspaper do 27 high willing it the in online that result a leukemia So formula.I Printable calendar july 2015-june 2016 this pills Say next of blazin July getting skin (including decrease .
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Medical professionals are expected to know what they are doing, and to do it well. That is why doctors have to go through years of extensive learning and immersive training. However, despite how much training a doctor receives or how great his or her reputation, mistakes can still occur that can cause unsuspecting individuals serious harm.
What documents do I need for a medical malpractice claim?
There are a lot of documents that can help you with your claim. When it comes to actually proving medical malpractice, your medical records may be especially critical. These documents will indicate your treatment, which an attorney can then analyze to see if that care fell within the acceptable standard of care. If it did not, and you suffered harm as a result, then negligence may be found.
How long can truckers stay behind the wheel?
Readers of this blog probably know that though there are certain things they can do to keep themselves safe from truck accidents, these tragic wrecks continue to occur. Therefore, laws and regulations have been implemented in an effort to curtail dangerous truck driving. One way to do so is to put restrictions on trucking hours.
Truck accident leaves Massachusetts man dead
On our blog, we often discuss truck accidents and how damaging they can be to other motor vehicles and their drivers and passengers. However, box trucks and 18-wheelers can also pose a significant threat to pedestrians, including those broken down on the side of the road. As one recent Massachusetts accident shows, a truck-pedestrian accident can be devastating.
Prescription errors can cause significant harm
Medical malpractice can take many forms. A doctor may fail to diagnose a medical condition, operate on the wrong body part, leave a surgical instrument in an incision, or maliciously cause harm to a patient. While these are all certainly very common forms of malpractice, prescription errors can also cause serious harm to unsuspecting patients.
Can I sue a truck company if I'm hurt in a big rig accident?
In many cases the answer is yes. Under a legal theory known as respondeat superior, an individual who is injured by another may be able to hold the defendant's employer liable for damages. However, certain elements must be present before respondeat superior, which means "let the master answer," can be enacted. In order to get a better sense of how you can recoup your damages, let's look at those elements.
What is the Daubert standard?
Medical malpractice lawsuits can be tremendously complicated matters. Legal precedence, settlement negotiation, and witness examination and cross examination are just a few issues that must be addressed. In some medical malpractice cases, expert testimony becomes a pivotal piece of the claim. Sound expert testimony either for or against a plaintiff's assertions can be very persuasive to a judge and a jury. Therefore, it is important that Massachusetts residents familiarize themselves with how these experts' claims are assessed, and that their attorneys also know how to do so.
If you've been injured by a semi-truck, we can fight for you
Last week's blog post discussed the qualifications needed for an individual to receive a Commercial Driver's License, or CDL. Though being properly trained and possessing the proper credentials renders one capable of operating a semi-truck on the road, it does not prevent a truck driver from being negligent or reckless behind the wheel. A trucker may push himself or herself too hard and become fatigued, putting other motorists at risk, or a trucker may be intoxicated or inattentive, increasing the chances of a serious accident.
What are the qualifications for obtaining a CDL?
As has been often discussed on this blog, though semi-trucks play an important role in our society and our economy, they pose significant dangers to other motorists. One way that these threats are lessened is by state and federal laws and regulations. These laws and regulations may limit the number of hours a trucker can drive in a given period, restrict what a trucker can haul, and/or impose inspection requirements on trucking companies. One of the easiest ways to ensure a truck driver can operate his or her vehicle in a safe manner is to require him or her to obtain a Commercial Driver's License, known as a CDL.
What can I do to help avoid a truck accident?
Semi-trucks are a common presence on Massachusetts roads. These vehicles and their drivers play a vital role in our economy by moving goods across the country. However, they also pose a threat to other motorists, as their massive size can cause devastating damage and injuries to those in other vehicles should an accident occur. In far too many cases, unsuspecting motorists are killed in these wrecks. While the onus is on truck drivers to ensure the safety of other motorists, there are certain steps you can take to better protect yourself when driving near a big rig.


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Sgt. Jason Webb, a member of Detachment 1, 778th Transportation Company, Kansas National Guard, will be awarded a Purple Heart Medal at 10 a.m. Sunday, April 23, at Camp Funston Training Area, Fort Riley.
Webb, Emporia, earned the medal for wounds received as a result of hostile action while deployed to Kuwait in 2011 in support of Operation Iraqi Freedom.
Webb is married to Maj. Laura Webb, who will deploy later this year with the 35th Infantry Division.
Copyright © 2019, KANSAS ADJUTANT GENERAL'S DEPARTMENT
Questions/suggestions to: Public Affairs Director


text: THIS IS NOT A VALENTINE. Or is it? I visited Nerd Camp Michigan this summer — a gathering of teachers, librarians, writers and artists — where I had the great good fortune to see an advance copy of a book by Carter Higgins and Lucy Ruth Cummins called THIS IS NOT A VALENTINE. The book doesn't release until … Continue reading


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Getting a Job Teaching English Overseas
Discuss working and making a living overseas, starting a business, or studying abroad.
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Getting a Job Teaching English Overseas
Many travelers and Expats get part time work teaching English as a second language. I tried it and it is not as easy as it sounds.
Do you actually remember all those parts of speech and grammar we studied in High Schoo? Me either. So when i tried to teach english i could only have them repeat words of things and phrases.
Some Language schools in places like Ecuador (where i taught) or Thailand, will pay foreigners under the table in order to learn from a native speaker. No degree is necessary, but if you do have a college degreee you can earn substantially more. But the biggest thing is to have a certification to teach English as a Foreign Language or Second Language.. ESL, TESL, TEFL etc.
This used to be expensive and you had to attend somewhere.. NOT ANY MORE! I got mine through an online course for under $300 but prices online vary. You will find links on transitions abroad website.. teaching english page... http://transitionsabroad.com/listings/w ... ndex.shtml
It is really worthwhile.. you get jobs fast and schools want you and you take it wherever you travel. It is something I got the certificate in a few weeks and can carry a small notebook easily for reference. I minimize my living costs by teaching part time. It is not for everyone, you have to be patient, have a sense of humor and like teaching.
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Re: Getting a Job Teaching English
First of all, it seems like you might be selling something here.
2nd, I'll check your link
3rd, I've been teaching ESL since 1996 and have about 4000 hours of in class experience (probably more now, because I'm doing it again)
The money is good in Taiwan, Korea and Japan. I hear the pay is about 3000usd and up in Japan per month. In Taiwan, you are lucky if you get 2000.
There may be money in other countries, but mainly China, Thailand and the Philippines only will pay you about half of the above.
Also, if you like teaching kids, and are relatively young, you can get a job quickly. Same day quick.
You need a BS degree to work legally in Taiwan as a Teacher but I know how to get around that. You like flying every 30 days?
Ive given strong consideration to teaching English in Japan but information is scarce at best, and I dont have airfare to simple go check it out on my own.
3000USD per month is adequate for a newbie teacher, but thats less then my VA pension and I can only hope thats after taxes.
I think one of the biggest gray areas is not knowing if a TEFL cert is adequate, or is a degree needed. Getting a TEFL is simple enough, but it would be a shame to shell out the money for it only to find out its not enough to secure a decent job.
Those parts of speech are usually only necessary in American schools. Foreign schools don't usually utilize them. When I taught in Moscow, something different was used, but I forget what it was. It was a different system, probably based on the British system.
You can teach English without a TEFL degree if you go to mostly small towns and provincial areas where they are desperate to hire native English teachers.
But yeah, a TEFL will help you earn more.
I'm looking into that myself, but not sure if I really like teaching English or not. Unless it is an adult conversation class, that I wouldn't mind. Or a critical thinking class of course
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"It takes far less effort to find and move to the society that has what you want than it does to try to reconstruct an existing society to match your standards." - Harry Browne
I totally agree, but perhaps teaching english to kids is a foot in the door?
I have a mind to start teaching in one of the larger cities in Japan, then after a while create my own computer business catering to english speaking businesses.
I have a suspicion most companies in Japan would flock to a company run by an American when the computers go down, but I could be all wrong.
Wouldnt be the first time I misread the tea leaves.
I've thought about doing this as well. When I was in Hong Kong a couple years ago, I met some American and Canadian expats who were my age (early to mid 20s) who taught English there. I just got my BA and am thinking about taking a TEFL class and giving it a shot. I was thinking of going to China since I'll get a much better opportunity to learn Mandarin.
There's this HUGE ESL job listing site that looks promising: http://eslcafe.com/
In general it seems like countries like Japan and others that have had more exposure to English speaking people have higher demands while places like rural China or Eastern Europe have lower requirements. Although the problem with a large and free job listing site like that is there's bound to be scams, so be careful!
I teach English for a living, and it is not an easy gig in many situations. Don't let the TEFL certificate providers and schools sell you a pipe dream. They are only interested in making money. There is a high turnover and failure rate and they need an endless stream of fresh meat. Unless you have a quality certificate, a CELTA or TESOL with 120 hours of training and supervised teaching, your certificate is invalid at the better schools. Online or 1 week courses are a waste of time. Whether or not a 4 year degree is required depends on the country. The days of anyone who can speak English getting a job are fading fast.
I would not recommend teaching illegally in any country, because you have no rights and there are many unscrupulous schools out there who will simply rip you off, pay you partial wages or not at all. And if you are working illegally, what are you going to do about it? Nothing, that's what. You are just like some Mexican who has crossed the border for work and you have no rights at all.
In the 90's it was possible to show up in almost any country and find a job. It may still be that way in South America and a few other places(Ukraine is one), but if you aren't qualified to meet the standards for working legally in a country, you are going to be taken advantage of at some point. Unlikely you can get a high paying job in Japan without a degree and a cert.
That said, a lot of people do it and don't seem to mind going for visa runs every 3 months or so. But this will get old sooner or later.
Here is a not so rosy evaluation of the TEFL industry, which is a extremely negative. It's not that bad. The reality lies somewhere between this article and the glamorous lifestyle promised by the TEFL industry.
http://www.telegraph.co.uk/education/ed ... glish.html
But here are two articles which are pretty much spot on.
http://www.skateforfun.com/englishteach ... age30.html
http://www.skateforfun.com/englishteach ... age45.html
Am I trying to discourage people? No. But I suggest you do your homework and prepare yourself. I have seen some real horror stories, and lived through one. My first job was in Kiev, at a good school. But the economy collapsed in October, the currency devalued 50% and business dried up. Since I was the new guy, I was out in the street. Other schools there were shedding teachers also, so I fled to China where I have a good situation. But if I hadn't had a degree and a CELTA, and some savings, I might have been screwed. It was scary.
Another thing. Many women expect foreign men to be well off. I have had women really like me until they found out I was an English teacher. I had one promising lady actually flinch, and then get up an leave in Kiev. It's not a chick magnet being an English teacher. But not all girls feel that way.
The only countries that pay well are in Asia and the Middle East. And Americans can't work in EU countries legally.
But I am having a good time and it has been the adventure of a lifetime. Don't get into this for the money, though. You will most likely be disappointed. There have been times when I thought I was crazy for having done this.
Oh i know it means no tax where you earn it. What I meant was that once you bring income that you earned overseas into the US, you're going to get taxed by the IRS. So inevitably you don't avoid paying taxes on earned income abroad, unless perhaps you stay overseas and set up an offshore account.
US citizens are taxed on their worldwide income. Whether or not the IRS will notice is another story.
"Reality is merely an illusion, albeit a very persistent one." -- Albert Einstein
I've heard that the guys who teach English abroad, especially in Asia, end up hooking up with students... I'd imagine it's with the older high school girls and college girls. Any truth to that or are they just stories that'll get you thrown in the slammer (or worse)?
How exactly would they be taxed if they don't report any earned income abroad?
You're supposed to report it just like you're support to report any and all income (i.e. any accretion to wealth), regardless of whether it's reported to the IRS by a 1099, W-2, etc. Like I said, whether the IRS notices is another question.
"Reality is merely an illusion, albeit a very persistent one." -- Albert Einstein
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The battle against the animals escalated at 1:30 am Friday morning. A dog in the neighborhood was frantically barking, and I finally pulled myself away from email and Facebook checking to realize with horror that the frantically barking dog was Deogi. He was at the back of the yard barking at something behind the bushes, and the motion light had turned off. And, he was naked. Generally, he gets to run around without his collar.
I raced upstairs to grab a flashlight and a collar and then I plunged into the darkness to get the dog. Much to my chagrin the neighbor two doors down was already in her back yard and trying to shine a flashlight over to see what was going on. On the other hand, much to my relief, the neighbor two doors down was in her backyard trying to see what was going on. I figured if things went south, she would call the police and possibly vault the fences to save me. She's one of the good neighbors.
I got about ¾ of the way to the dog when my flashlight beam landed on the opossum — back arched, teeth bared, mangy fur sticking out everywhere. My commands to Deogi went from hoarse, neighbor conscious whispers to fairly desperate and loud snapped out phrases. I stopped at least 10 feet out. I'm sure I was a sight as I stood there gesturing and yelling at the dog. I wasn't going any closer to the giant opossum fangs shining in beam of my flashlight, but I was fearful that the dog's barking was going to drive the opossum to enraged violence.
Finally, my tone of voice indicated to Deogi that I had become more of an impending threat than the opossum. He backed away enough that I could swoop in and grab him up by the scruff of the neck. I was so mortified, terrified, and angry by that point that I didn't bother with the collar. I just took a firm grip on the scruff of his neck and marched him inside as I shouted over to the inquisitive neighbor that a possum was the root of all the trouble. As we disappeared inside, I heard another neighbor laughing. She told me later that she found me so entertaining that she recounted the story to her coworkers. Yay. It's always great to be "that neighbor," especially at 1:30 in the morning.
When I asked Deogi later if he actually wanted to get rabies, he just wagged his tail.
I, of course, published the news of the possum invasion to my Facebook. And, it didn't take long before I was able to secure two traps, so I could enter the next phase of the wildlife fight.


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This course where you will run your EDC from concealment all day. Students will learn close quarter shooting and concealment options, as well as techniques to defeat cover garments. If you want to know to deploy your handgun and not just carry it this is the course for you.
Tickets are available HERE
Class is $180 - Use Discount code OFCC2018 for a 10% discount on any of our classes
Review of Basic Pistol Safety
•How to select your concealed carry pistol and holster
•Clothing Selection for Concealment of pistol
•Analysis of shooting stances
•Handgun retention basics
•Failure to fire: Understanding Malfunctions
•Get back in the fight: Clearing the Malfunction
•Understanding the force continuum
•Decision to draw pistol?
•Drawing the pistol
•Decision to fire?
•Firing to stop the attack; Single attacker
•Firing to stop the attack; multiple attackers
•Reloading during conflict
•Use of cover and concealment
•Firing weak hand
•Weak hand reload and malfunction clearing
•Shooting from prone, kneeling, crouched, and other positions
•Use of flashlight and low-light environments
•Verbal commands
•After the conflict: Contact with Law Enforcement
•Legal discussion Q&A
Required Equipment:
Semi Auto Handgun with concealed carry holster and magazine pouch. (Bring and use you EDC and EDC gear) *****No shoulder holsters******
Minimum of (2) magazines.
(350) Rounds of ammo for your weapon
Small flashlight
Dress appropriately for the outdoor range (we shoot rain or shine)
Eye and Ear Pro
Cover garment
Water, Drinks, snacks or bagged lunch
Note pad and Pen
Sun Screen


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EL SEGUNDO, Calif.--(BUSINESS WIRE)--VoiceVault, a leader in voice biometric solutions, is pleased to announce that as part its mobile identity verification strategy, it has joined the FIDO Alliance. The FIDO Alliance (Fast Identity Online) is an industry consortium revolutionizing online authentication with the first standards-based specifications.
VoiceVault supports the development of open standards and joining FIDO, and other industry leaders, in promoting, and increasing customer confidence in the use of voice biometrics for providing the highest levels of security was a natural step to take as the VoiceVault strategy ramps up in the mobile space.
VoiceVault's membership of the FIDO Alliance will raise the profile of voice biometrics in being a key technology that customers will be able to trust in delivering secure identity authentication for mobile apps.
"We are delighted to join the FIDO Alliance at this exciting point in our mobile strategy," said Julia Webb, Vice President of Sales and Marketing. "As we launch our mobile voice biometric verification platform, supporting the goals and architecture standards of FIDO was a natural step for VoiceVault."
About VoiceVault
VoiceVault provides voice biometric solutions for mobile, on-device and telephony applications. The solutions focus on ease of use along with convenience for customers and end-users while providing unparalleled levels of security. Solutions are developed and delivered through partners or direct to client organizations and these can be deployed through a range of hosting models including cloud, on premise or via managed service providers. VoiceVault's technology is proprietary to them and is 100% in-house developed.
VoiceVault is a US based company (El Segundo, CA) with an R&D center in the UK whose solutions use the unique characteristics of a person's voice for biometric identity verification on phones; in mobile apps; and on-device for tablets and computers. They use the fact that speaking is convenient and natural and that no two voices are exactly the same.
Biometric voice-based solutions enable business processes to enhance multifactor authentication with something you are - your voice.


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Automotive shoppers begin research interested in brand reputations, but make purchase decisions on more practical matters, according to a report from Jumpstart Automotive Group and Ipsos Connect.
Good value, a reputation for being strong and reliable and a reputation for excellent quality are the top three concerns initially, but quality/reliability, mileage and pricing are ultimately the biggest influencers. However, these numbers differ noticeably among different demographics, and brands need to vary their value proposition according to target market.
"Shoppers are very price and value conscious, and both play an integral role in the decision-making process," said Libby Murad-Patel, vice president of strategic insights and analytics for Jumpstart Automotive Group. "In our research, we found that 'good value for the money' is a top must-have and is the primary trust-related concern consumers have with dealerships."
For "Today's Auto Shoppers: How They Research and Why Trust is So Essential in Winning Them Over," 1,014 United States adults who have purchased a vehicle in the past year were surveyed to discern trends in automotive purchasing and differences among key demographics.
Demographic differences
According to Navigant's research, a majority of shoppers –including luxury shoppers – have a general idea of what they want when they begin the purchase journey, generally having three brands, two body styles and three models in mind.
These initial contenders are based largely on what "catches their eye" on the road or on TV commercials and via word of mouth. When they begin researching, however, the Internet dominates.
Still from Lexus' "Beautiful Contrast"
Consumers rely in roughly equal portions on dealer sites, Google searches and auto research sites, with "Consumer Reports" and OEM sites following.
Despite their usage rates, many consumers expressed skepticism of the information on a manufacturer's site, claiming that they need third party sites to get a realistic idea of issues associated with a particular model. Dealer, brand and OEM sites are primarily used to find deals and pricing information.
Among all demographics and income levels, BMW, Mercedes-Benz and Porsche are considered the top luxury brands, with Audi, Lexus and Cadillac also showing well. Interestingly, affluent consumers are significantly more likely to consider Audi and Tesla as luxury brands than non-affluents, likely a testament to an exactingly segmented marketing mix.
As the research shows, different demographics have different concerns and thus respond discretely to advertising.
Women now influence 80 percent of vehicle purchases. On the whole they are more concerned with price than men are, meaning that competitively priced vehicles could gain an edge by marketing more directly to women.
Women are also high-information voters and more likely to consult "Consumer Reports," and focus on practical elements such as warranty and mileage. While TV commercials often focus on creating desire, brands should target women with transparent, high-information ads.
"We heard a number of women in our focus groups say that they have worked hard, raised their children, held a career and now they're at the point that they feel like they deserve something more luxurious," Ms. Murad-Patel said. "Similarly, we heard parents in general talk about waiting to buy a luxury vehicle until their kids were a little bit older so that they could maintain it and enjoy it more."
Asian-American and Hispanic consumers, meanwhile, are more interested in electric- and hybrid-vehicles than other demographics. Both demographics, but especially Asian-Americans, put more stake in brand reputation.
Read More: https://www.luxurydaily.com/demographic-differences-should-shape-automotive-advertising-strategies-report/
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Here at Sentinor we have been designing a new product which will be known as Sentinor's Legacy 407-NC (Nurse Call) Pendant.
The new Legacy 407-NC Pendant has been specifically designed to assist people in environments involving the elderly such as nursing homes.
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For more information or to submit your interest in our new product, please visit the Legacy 407-NC Pendant solution by clicking the image above.
For any other enquires, please email firstname.lastname@example.com


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Counting the Cost of Worldwide Cancer Treatment
Counting the Cost of Worldwide Cancer Treatment
Cancer is the world's leading cause of death, followed by heart disease and stroke, and it also has the greatest economic impact from premature death and disability of all causes of death worldwide. This data provides compelling evidence that balancing the world's global health agenda to address cancer will not only save millions of lives, but also billions of dollars. The lost years of life and productivity caused by cancer represent the single largest drain on the global economy, compared to other causes of death, including HIV/AIDS and other infectious diseases. However, the research for developing new drugs have increased astronomically, well beyond the reach of most cancer patients.
Read Article Here:


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Personal injuries can occur anywhere and anytime. They do not only make reference to accidents that happen in vehicles or trucks. A variety of factors could be at play that may lead to discomfort, mental and physical struggling, loss of work and lack of income.
For case in point, you might use a pharmaceutical which has harmful chemicals that result in an illness and also have a debilitating impact. You may take prescription drugs that eventually ends up having serious and life threatening unwanted effects. If this occurs to you, what you should do is to locate a personal injury attorney who has encounter with accidental injuries that are linked to drugs.
You want settlement for the suffering you have gone through. This is simply not something you can buy on your own. What you need may be the help of a skilled and qualified attorney who offers defended and won various situations that bear a striking resemblance to yours. Even though you have not really suffered serious damage from the ordeal you experienced, hiring an lawyer to battle for your rights could make all of the difference to your own future and to the continuing future of your family.
A personal injury lawyer at DeSalvo Law struggles to reverse the clock for you personally and cannot erase the harrowing event that occurred in your life. He's a specialist in his discipline that values his customer but must have a realistic look at of life. Discuss with and speak to other people who have been around in similar circumstances to yours to discover what legal professional they hired to guard them.
You want to choose prudently. Not just do you would like to discover a personal injury attorney who's competent and has prevailed at winning circumstances like yours, nevertheless, you also want to choose a person who can empathize using what yon have been through and who'll tirelessly work hand and hand with you to observe your case to its triumphant conclusion. To know more ideas on how to select the best lawyers, go to http://justified.wikia.com/wiki/Lawyer.
If your case involved medical malpractice, the legal professional will be supported by several professionals who will use him on your own case. You will see medical professionals, technical specialists and investigators. Check useful site!
The group will continue to work in conjunction with each other to make sure that all the injuries you sustained, and also all your losses, are very well documented and that we now have accurate records for reimbursement. The medical professionals will review your information, that may include the outcomes from the diagnostic assessments, your rehabilitation records as well as your physical remedy records to ensure that you are getting the very best type of treatment that's available to you.


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You need something fancy or that is simply out of the ordinary? We can do that for you!
Our team of designers and developers will be happy to make your project into a reality.
Our custom dashboard designs start at $10,000.
In the end though, you could end up with something as cool as these examples:


text: Please do not reply to this email. You can add comments at http://bugzilla.ubuntu.com/show_bug.cgi?id=10314 Ubuntu | linux ben.collins at ubuntu.com changed: What |Removed |Added ---------------------------------------------------------------------------- Status|ASSIGNED |NEEDINFO Priority|P5 |P3 Target Milestone|--- |Ubuntu 6.04 ------- Additional Comments From ben.collins at ubuntu.com 2005-12-08 22:17 UTC ------- If possible, please upgrade to Dapper's 2.6.15-7 kernel. If you do not want to upgrade to Dapper, then you can also wait for the Dapper Flight 2 CD's, which are due out within the next few days. Let me know if this bug still exists with this kernel. -- Configure bugmail: http://bugzilla.ubuntu.com/userprefs.cgi?tab=email ------- You are receiving this mail because: ------- You are the QA contact for the bug, or are watching the QA contact.


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Regular readers of DPS will know of my love for shooting from down low to get an image that emphasizes the height of subjects.
I love the way shooting from ground level creates wonderful foregrounds and puts a completely new perspective of familiar scenes. In addition to this it's great for photographing children, pets and wildlife as it really puts you on their level and helps you enter their world.
However photography is a wonderful thing because sometimes it's when you go to extremes that you can get the best shots. While shooting from low down leads to interesting shots – so does getting up high and shooting down on your subject.
Here are six reasons why shooting from up high can be something worth considering:
Do you use this technique? Got any tips to add on the topic?
Our wedding photographer's main work is of Aircraft for Flight and other magazines.
He's a friend so although we were all lblack tie and the bride and maids looked perfect the actual photography was a very informal shoot.
He shot us from high - he climbed up a fire escape outside the hotel and had us all running about, arms outstretched doing aircraft display.
It was histerical, and something that could only have been done from high.
I used a monopod a 2 second timer and fast! moving to get camera up high. Looks very cool in a crowd. Did video also the same way. Got lots of good comments about it.
If you are really crazy, you can put your camera on top of a tall tripod and seat belt it into the back seat of a convertible... but I wouldn't suggest trying it! [eimg url='http://www.lourceyphoto.com/EscapeJPG.jpg' title='EscapeJPG.jpg']
Great post Darren. I find this very helpful for corporate groups, like the one in your example. So much easier to see faces!
I once took a large ladder on an outdoor wedding shoot as I knew the ground was flat and I had a large group photo to do. Bit of an effort but worked ok.
You can also get "high" by getting low.....
From above the clouds
Took this from the top of a cliff
I have recently used the technique of shooting from high, only standing on a chair, to picture a mother and her new baby, this perspective is great using a wide angle lens and then doing a tight crop post processing.
I get the best knight photo's when i get nice and high... :)
how do you guys like this?
[eimg link='http://www.flickr.com/photos/40262354@N04/3743137218/' title='MoMA' url='http://farm4.static.flickr.com/3487/3743137218_e5c970a324.jpg']
Added info on this subject go to BLACK+WHITE PHOTOGRAPHY June 2009 Issue 99. An interview with Nigel Richards called On High. As the title suggests a different perspective on subjects (also in black and white).
rolling stone wrote: Anyone have any other ideas for small towns?
I have seen this done with ladders, off balconies, etc but also similar to what I wrote about KAP above, using a pole.
high + fish-eye = http://www.suseu.art.pl/blog/?id=287
When I lived in the city, this was easy to do. But living in a small town can be a bit difficult. I can get to the top of a mountain and shoot down on a town. Anyone have any other ideas for small towns?
For about 10 years, I have been involved with KAP (kite aerial photography) where a kite is used to lift a camera. For me it is the shadows and the different perspective that has held my interest in this aspect of photography.
For anyone who is interested, some examples can be found at:
My Flickr KAP set or several of my Picasa albums: Punta Cana, Easter at my in-laws, BMX and Skate Park.
I actually just last week made a similar blog about quickly applying this in a photojournalism setting: http://ericmansfieldphotography.com/blog/
here is one shoot by me...
Definitely going to try this out ! Thanks for the tip.
Interesting article! What type of lens do you suggest for this type of image?
A very good idea... I've never tried this...but this is one more way our creative minds can grow into better photographers... I'll definitely try this...
thanks DPS...
wow, I really like the idea of getting high for shooting groups of people!! I think that would be a great idea to get unique photos of very popular moments such as weddings, birthdays, degrees, etc.
Taking an original angle, or seeing things in a different light are a great way for a surprising outcome.
Sometimes it's a bit tough not to be caught in a cliche (one example for such thing is the many circular stairs photos ;)) but using angles as shown here, can be pretty rewarding.
I don't have a 'high' angle example, but I do have a low angle :) - http://www.ilanbresler.com/2008/12/smile.html
(A parachute in Antalya , Turkey)
Of note: This article does not advocate turning one's camera body or lens into a makeshift bong.
What a great article!
Can it used for shooting architecture?
neat, i like the different perspective part...its not habit forming though is it? i dont wanna get addicted :P haha


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It will be the first public viewing of works from his Murderme collection, which includes pieces by contemporaries like Sarah Lucas and Tracey Emin.
The artist also owns work by Pablo Picasso, Jeff Koons and Andy Warhol.
Hirst plans to establish a permanent exhibition at his 124-acre manor near Tewkesbury in Gloucestershire.
It is not yet known if Hirst's own work will be on display, although a Serpentine spokeswoman said she thought it was unlikely.
Selection process
She also said the selection for the exhibition - to be called In the Darkest Hour, There Will Be Light - has yet to be made.
"We're in the selection process at the moment so we're not letting the cat out of the bag yet," she told the BBC News website.
The exhibition is also likely to feature some of the rare objects - including skulls, medical instruments and furniture - that Hirst has amassed over the years.


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Fish that aren't sent out fresh are quick frozen to ensure the highest amount of nutrients and taste is retained. They remain frozen until they are defrosted for consumption and yet the taste is as fresh as the day they were harvested. In many ways, frozen char may actually taste fresher than the fresh char bought during the limited window because they arrive to you exactly in the state they were frozen in.
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The most cost-effective way to purchase Truly Wild Arctic Char is whole dressed and cleaned fish. These whole fish are available in the following weight sizes:
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Whole char with the head removed are individually vacuum-sealed and labeled identifying the authenticity of the product. They are sold by the carton, each containing 12 fish that weight approximately 1.65 kg / 3.63 lbs each. Net carton weight is 20 kg / 44 lbs.
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Truly Wild Arctic Char whole fillets are available with the pin bone in or out. These whole sides of the fish are individually quick frozen and packaged in various carton weights. Steaks are cross-sections of the char and offer little to no waste. Steaks are either vacuum-sealed as 2-4 steaks per package or available in loose bulk packages filled with 8-12 steaks.


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2 Bases
Won the roll to chose and picked to go 2nd being an objective game and all. I always worry about going second specially deploying everything. However, I've been having a lot of bad luck with reserve rolls in games where I go 2nd and reserve everything where basically everything comes in small tiny waves easy to handle by the opponent. So, took 2nd and deployed everything.
Even with trying to hide behind some of the terrain for cover one of my vypers, and a whole unit of jetbikes bit the dust (morale failure) after the first turn of Tau shooting.
So, Turn 1 Saim Hann I decide I am going to send the seer coucil down the center fortuned up to busy up / threaten the Tau's base. Having some of the bigger hitters tied up shooting at the council I turbo boost my bikes up the side and give them some cover with a fire prism which went flat out. Vypers move up to engage the piranahs while giving cover to my serpent for a couple of bright lance shots. Not much of this works due to disruption fields, I believe I destroyed maybe 1 piranah.
Turn 2 - Tau
This sees the Tau HQ deepstriking near my base and my fire prism getting pwnd even with holo-fields!
Turn 2 - Eldar
Managed to take out the pirana's although it took more fire power and commitment than I had originally planned. Dire avengers get out and take out the deep striking Tau HQ.
Turn 3 - Tau
Vyper goes down and I lost some of the seer coucil members. Devilfish begin their move along my deployment towards my base.
Turn 3 - Eldar
Seer council takes out a hammer head invading right into the Tau territory. Vypers are occupied yet again with another set of pirana's
Turn 4 - Tau
Sees 1 more seer council member dead another vyper gone and more advancing towards my base from the devilfish troops.
Turn 4 - Eldar
Jetbike squad at this point turns around due to all the pressure at the home base to backup claim my base while the remnants of the vyper squads zoom out to contest the enemy base with the seer council.
Turn 5 - Tau
Lots of jetbike deaths from fire warriors and drones but alas the eldar pass their morale
Turn 5 - Eldar
Bikes zoom in near the serpent to backup claim the home base vypers zoom in closer to the enemy objective but alas they fall short in distance. Serpent is positioned to attempt to prevent the devilfish from contesting with simply landing near my serpent. With that the game goes on!
Turn 6 - Tau
In this turn the Tau clean up the lonely warlock left in my seer council and 1 of the 2 vypers near their base as well as most of the jetbike squad near my own base yet they pass their morale test go guardians!
Turn 6 - Eldar
Vyper zooms out to contest enemy base. Game over. Eldar Victory!


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Macquarie University
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- Date
- Monday, 15th of October 2018
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Regsitrations closed.
Module 5.1: Research Information and Analytics - including management information systems, reporting, repositories, use of data to support strategy implementation; the emerging role of impact assessment - elective module.
Presenter: Paul Wong
Location: Continuum Room, Level 3, Macquarie University
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Black Diamond Charities presents: Guffaws for a Cause 2
Lincolnshire | Website
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Map | Find Parking
This is an evening of dinner and laughter to support "Our" Veterans and Kids. The event is open to people 21 years of age and older. Performances highlighting the evening are: Chicago Comedy all-stars, Patti Vasquez; Jimmy McHugh and Rick Young.


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The Interviews
Message Forum
Faith Builders
Email Updates
Biz Directory
An Interview: Leroy Garrett
Questions presented by Fred Peatross
Wednesday, June 5, 2002
Leroy Garrett was born in 1918 and grew up in Dallas, Texas.
Most scholars of the Bible and church historians have been religious professionals. Leroy, however, has made his living teaching philosophy while becoming a scholar in these other fields.
Leroy attended Freed-Hardeman College, Abilebe Christian University, Southern Methodist University, Princeton Seminary, and Harvard University where he received his Ph.D. Throughout his career, he has been Dr. Garrett on campus but simply Leroy to his Christian brothers and sisters.
For years Leroy authored the
Restoration Review
. Today he periodically mails out a small newsletter titled
Once More With Love
1) Sometime after Cane Ridge our movement was knocked off track. Exactly when did we lose our focus and what in your opinion happened?
It was not "exactly when" in that it was an evolution over time. The seeds of discord were present all along, but were kept at bay so long as Alexander Campbell lived. The genius of the movement was that believers could unite upon the essentials of the faith, and allow liberty in areas of opinion, theory, method, theology. When leaders emerged with a differet mindset, that made opinions tests of fellowship, we "lost our focus," as you put it, or we became legalistic in that we made patternism essential to unity.
2) Are there any parallels between our movement today and the early restoration movement?
I don't know I would call them parallels. History has a way of repeating itself, and problems in the church have a way of staying around from generation to generation. Whenever we stand up for unity on the grounds of "In essentials, unity" we are where Stone-Campbell were, and thank God we have many today with that spirit. Whenever we say it can be only one way, and we make our opinion, our method a condition for unity, then we are parallel to those "Editor Bishops" that derailed us.
3) Can you evaluate our heritage in the year 2002? What encourages you about the current movement? What discourages you?
I am not discouraged. I've learned from history that reformation not only has to be ongoing but slow and even painful. I am encouraged by many things. I'll name just a few:(1)The Movement, especially Church of Christ, is more introspective, self-critical and reform-minded; (2) We are more conscious of our own history, more willing to face up to who we are, which makes "an identity crisis" a good thing: (3) We are a more spiritual people, more prayerful, more conscious of the ministry of the Spirit and grace of God; (4) We are more biblically responsible, as is evident in numerous books that point us in new directions.
4) I sense a major shift taking place in our culture. What changes have you noticed in the way we now do ministry ministry and what do predict ministry will look like in the future?
The world as a whole has long been becoming "a global village," which affects our worldview. As for our own country we are far more multi-cultured, and this vastly affects the ministry of the church. A different worldview is emerging, which puts our provincialism and parochialism in the past. As for the Church of Christ, we will continue to be less sectarian, we will not only "join the human race," but we will become a part of the church catholic more and more. We will in time witness to the values that gave us birth, especially our witness to the unity of the curch and of all humankind. That we still have a long way to go does not discourage me. The signs of a new direction are clearly present. We have blessings to count.
.:Leroy Garrett.:
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Gregory L. Taylor II, MD, MBA, is an assistant professor of clinical medicine at the Keck School of Medicine of USC and the medical director of Keck Medicine – Downtown Los Angeles.
Dr. Taylor specializes in geriatric and internal medicine. His expertise is in helping individuals achieve consistent good health and prevent long-term disease.
Here's what you won't find on his resume.
He is well traveled.
"I grew up here in Los Angeles in Leimert Park. My dad is a minister and we moved around a little bit. I spent time in Boston and the suburbs of Atlanta as a young person. I went to college in Atlanta and attended medical school in Washington, D.C. I lived in Shanghai for 2.5 years, Spain for a year and Germany for a month, so I've done a lot of traveling."
Call for an Appointment
Growing up, he wanted to be an astronaut or politician.
"I think if I were not a physician, I would either go back into the field of science to study space stations or I would go into politics. My first thrust, in terms of a career, was to be an astronaut. I thought that was the coolest career. Later on, in high school, I would watch C-SPAN to see members of Congress discuss legislation. I thought governing would be a great thing to do."
He encourages physical fitness.
"Before I came to USC, I worked in Atlanta. I saw what happens to people when they have a lifestyle that does not allow them to stay physically fit. I saw a lot of chronic disease and many young people dying from illnesses such as heart attacks, stroke, heart failure and kidney disease — all of which are mostly preventable conditions and hard to reverse once they set in. I wanted to be a part of the solution by helping to prevent these diseases from happening to my patients."
He never rushes his patients.
"I always tell my patients that the more they tell me, the better I can serve them. The primary care physician has to be someone who adds value to people's lives not just by diagnosing diseases, but by working collaboratively with them toward a healthy lifestyle. I love telling my patients that they are on the right track, so I ask them about their goals, and I encourage those goals."
He is inspired by entrepreneurs and innovators.
"Business leaders inspire me for their tenacity and ability to start something from scratch. That includes anyone from Henry Ford to some of the new entrepreneurs, such as Facebook founder Mark Zuckerberg. These people took an idea and manifested it. In terms of medicine, I look to some of my former professors as well as some of the people at Keck Medicine of USC for inspiration."
His time in Shanghai made him fearless.
"My time in China influenced my worldview. I was just out of college and the experience of being there and having to learn another language changed me. Overcoming that challenge later motivated me to learn Spanish. I just couldn't stop there!"
Gregory L. Taylor II, MD, MBA, is the medical director of Keck Medicine – Downtown Los Angeles. If you are local to Southern California and are in search of a primary care physician, call (800) USC-CARE (800-872-2273) or visit www.keckmedicine.org/request-an-appointment/ to schedule an appointment.
Click here to view Dr. Taylor's full biography.


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The King�s Chapel was established in 1686 by Sir Edmund Andros as New England�s foremost Anglican Church during King James II�s reign. It is housed in an 18th century building that was previously known as the Stone Chapel. The architecture of the building is in Georgian style which was constructed in 1749 and designed by Peter Harrison.
Discount Attractions is a user controlled travel website designed to make it easier to put together budget friendly trip itineraries. Everything on the site from the attraction hours, photos, descriptions and videos are submitted and edited by you, the visitors.


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Often programmers confuse controller testing with unit testing. They see that a functional test offers more code coverage and so programers can be tempted to focus on controller testing rather than testing units of code.
A registration process chain
Lets think about the life cycle of a basic a controller that handles user registrations.
A user has just registered to website by submitting a form. That request gets sent to a controller which deals with the requested data and then issues a response back to the user. In doing so these tasks are performed:
- A request object is constructed and passed to the controller
- A form is built with a series of validation constraints
- Once the form is submitted the sent data is sanitised. After it has been cleaned the request object is synchronised with the form which allows the validation process to begin
- The database is queried to ensure that the user details (Perhaps email address) is unique
- In the event of a validation error a translated message is generated with the correct format
- In the event of a successful submission a user will be created and saved to the databases
- Perhaps an email is sent with an activation code. If so this unique and expiring code would need to be generated and saved to the database
- Perhaps the user is automatically signed into the website after successful registration. In this case the session will be manipulated
- A template is retrieved and its view is constructed by injecting values (possibly translated) into placeholders. This becomes the response
- Finally the controller returns the response
Now the above is perhaps an oversimplified list of controller operations. However it gives an indication to the scale of processes that controllers have to deal with. These processes are chained together in control flows before a response is returned.
Controller dependencies
In the above example of the user registration the following dependencies are needed:
- Request object
- Form object
- Form handler
- Validation routines
- Database connection
- Database queries
- User model management
- Translation mechanism
- Emailer
- Session access
- Template engine
Many of these dependecies can be classed as services that the controller calls upon to perform certain tasks.
Its fair to say that the controller is nothing more than bucket of tasks that are glued together. A request comes in, the request is handled and a response is returned. The controller creates a chain of events or processes that occur based on the output of the last process.
- An activation email wont be sent if the user hasn't been saved to the database.
- The user wont be saved to the database if the validation rules return any errors.
- The validation returns errors if the user has submitted incorrect data and so on and so forth.
Its not as black and white (but very similar to) the unix style stdIn and stdOut approach. These input streams can be redirected to small and individual programs that form a command chain. In this context the individual programs would be the services that the controller depends on. The stream redirection would indicate the control structure which channels the controllers process flow. Obviously we shouldn't think of a controller as a mere set of input redirections but this line of thinking helps us (Me at least) to isolate the processes that controller performs into services and then eventually into units of code.
Focus on the service operations and not the process chain
In the registration example there are lots of services compared to a single registration process. These services will be used within other process chains. The emailer for example will not be limited to just the registration process. Perhaps there is a newsletter that utilises this service.
When testing a controller the whole process chain gets executed and tested. This might seem like a good thing to do and it will certainly increase code coverage but the services are only being tested in the context of the controller that is being executed. Even if the registration tests have passed and an activation email has been sent we cannot assume that a newsletter mailshot will also work.
When testing individual service operations we are ensuring that the foundations are stable for any controller that requires that service. We are also removing the context in which the test would normally be performed (The controller). Testing the send method of the emailer service outside of the context of the registration controller ensures that any controller using that service will have a stable send operation.
Controller testing should not be forgotten
Even if all the services and their operations have passing unit tests the system will still be at risk of malfunction. If the unit tests are passing then the bug would be easier to spot. It will probably be within the process chain. – In the controller itself.
Controller testing should not be classed as unit testing and should not be treated as such.
Controller testing is functional testing and perhaps should be done after all the unit tests have been performed.


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What To Know About Florida's New Fast-Track Foreclosure Law
According to the Florida House of Representatives, the state of Florida has been negatively impacted by the national foreclosure crisis, and as a result, Gov. Rick Scott and the Florida Legislature want to minimize the impact upon the judicial branch both in terms of funding and caseload.
It is reported that the average time to complete a residential foreclosure in Florida is 853 days, as compared to the national average of 414 days. Thus, in an attempt to shorten Florida's lengthy residential foreclosure timeline, Scott signed House Bill 87 on June 7, 2013 (Chapter 2013-137, L.O.F.).
House Bill 87, or "the Fair Foreclosure Act," provides several important changes relating to Florida's residential foreclosure process. As more fully described herein, the primary goal of the bill is to reduce the amount of time foreclosure matters remain pending before a judgment is entered.
To that end, the following two important amendments are contained within the bill:
(1) Implementing an order-to-show-cause procedure, similar to the procedure in place for commercial foreclosures in Florida, in which the plaintiff can — in conjunction with the filing of the verified complaint — move for an order to show cause, requiring the defendants to file an answer within 20 days of the filing of any complaint. If an answer is not filed, the court may enter a judgment of foreclosure.
(2) Allowing for third parties, including condominium and homeowners' associations, to utilize the statutory expedited procedure.
Specifically, the bill has been codified into the following statutes:
Section 702.10
- Allows any lienholder, instead of just the mortgagee, to utilize the statutory expedited foreclosure procedure.
Creates an alternative foreclosure proceeding intended to expedite the foreclosure process in cases where there is no legitimate defense or cases that are uncontested:
- After filing a complaint, the plaintiff may request an order to show cause for the entry of final judgment, and the court must immediately review the request and court file in chambers without a hearing.
- If the court finds that the complaint is verified, complies with Section 702.015 of the Florida Statutes (as discussed below), and alleges a cause of action, the court must promptly issue an order to the other parties named in the action to show cause why a final judgment of foreclosure should not be entered. The order shall:
- State a date for the hearing no sooner than the latter of 20 days after service of the order, or 45 days after service of the initial complaint, or when service is obtained by publication — no sooner than 30 days after the first publication.
- State that the filing of defenses before the hearing to show cause that raises a genuine issue of material fact — which would preclude the entry of summary judgment or otherwise constitute a legal defense to foreclosure — shall constitute cause for the court not to enter final judgment.
- State that the defendant has the right to file affidavits or other papers before the hearing to show cause and may appear personally or by way of an attorney at the hearing.
- State that if a defendant files defenses or appears personally at the time of the hearing, the hearing time will be used to hear and consider the defendant's motion and arguments.
- State that the court may enter an order of final judgment of foreclosure at the hearing, and if such a determination is entered, the court must enter a final judgment ordering the clerk of court to conduct a foreclosure sale.
- State that if defendant fails to appear or file a defense, the court may enter a default against such defendant and, if appropriate, a final judgment of foreclosure. If the court finds that all defendants have waived the right to be heard, the court shall promptly enter a final judgment of foreclosure without the need for further hearing if plaintiff has shown entitlement to a final judgment, and upon the filing with the court of the original note, satisfaction of conditions for establishment of a lost note, or upon a showing to the court that the obligation to be foreclosed is not evidenced by a promissory note or other negotiable instrument. In addition to any other relief that the court may order, in any action for foreclosure other than owner-occupied residential real estate, the plaintiff may request that the court enter an order directing the defendant to show cause why an order to make payments during the pendency of the foreclosure proceedings or an order to vacate the premises should not be entered. Similar to Section 702.06, the bill again provides that there is a rebuttable presumption that a homestead property is an owner-occupied residential property. Section 702.10 applies to causes of action that were pending on June 7, 2013.
The bill also contains several other important changes as follows:
Section 95.11
- Reduces the statute of limitations from five years to one year for deficiency judgments on foreclosure actions.
- Applies to any action commenced on or after July 1, 2013, regardless of when the claim accrued.
Section 702.015
- Requires plaintiff, upon filing of a foreclosure action, to make certain initial disclosures establishing plaintiff's status and entitlement to enforce the promissory note, including where a plaintiff seeks to enforce a lost, destroyed or stolen instrument. The plaintiff must attach an affidavit detailing facts and evidence that support the plaintiff's position of authorization to enforce the lost, destroyed or stolen instrument.
- Does not apply to foreclosure proceedings involving timeshare interests.
- In addition, the bill authorizes sanctions against plaintiffs that fail to comply with the complaint requirements.
- Applies to cases filed on or after July 1, 2013.
Section 702.036
- Provides finality of mortgage foreclosure judgments for certain purchasers of property, such as third parties, not affiliated with the foreclosing lender or foreclosed owner. This does not, however, preclude a party's right to pursue other relief, such as money damages.
- Took effect on June 7, 2013. Section 702.06
- Limits the amount of a deficiency in the case of an owner-occupied residential property to no greater than the difference between the judgment amount, or in the case of a short sale, the outstanding debt, and the fair market value of the property on the date of the sale.
- The bill provides that there is a rebuttable presumption that a homestead property is an owner- occupied residential property.
- Took effect on June 7, 2013.
Section 702.11
- Defines adequate protections for lost, destroyed or stolen notes in mortgage foreclosure, including a written indemnification agreement by a person reasonably solvent to honor such an obligation, a surety bond, a letter of credit issued by a financial institution, a deposit of cash collateral with the clerk of the court, or such other security as the court may deem appropriate under the circumstances.
- The bill also provides that any person who wrongly claims to be the holder of a note or entitled to enforce a note and causes the mortgage secured thereby to be foreclosed is liable to the actual holder of the note for actual damages, together with attorney fees and costs of the actual holder of the note in enforcing his or her rights. Also, the actual holder of the note may pursue recovery directly against any adequate protections given.
- Applies to causes of action that were pending on June 7, 2013. While the fast-track system implemented under the bill is intended to expedite the time frame it takes for a foreclosure case to be resolved, it is unclear whether in practice, the bill will have the intended impact. Florida's courts remain inundated with foreclosure matters, with the metro area — which covers Palm Beach, Broward and Miami-Dade counties — leading the nation in foreclosures over the last few years, according to many estimates. The order to show cause procedure gives plaintiffs the option of moving to do so at the time of the filing of the complaint and requires a defendant to file an answer or suffer the consequences of the judgment being granted. The burden for the filing of the answer, however, is low under Florida law. Accordingly, the filing of any answer generally precludes the entry of a judgment in commercial foreclosure actions, which we would expect to be the same under the new bill. In addition, the bill allows a third party, such as a condominium and homeowners' association, to use these expedited procedures. We would expect that many condominium and homeowners' associations, which have been aggressive in the past, may use this procedure in an effort to force a lender to take title to the subject property as soon as possible and thereby become responsible for the attendant condominium and homeowners' association fees. Finally, this bill is also likely to increase compliance costs associated with foreclosing on a home by requiring more detailed information to be disclosed in a shorter time frame when prosecuting foreclosures.
This article was previously published in Law360.


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January 16, 2013
There have been several articles written as to why the GOP lost the election. The reasons are plentiful but one of the most glaring failures of the 2012 campaign, was our failure to match or counter the Obama grassroots campaign in truly personal contacts. Phone calls to strangers will never take the place of grassroots activists and precinct delegates that know the people in their neighborhoods, churches and communities, And when the demographics are broken down, we can see where we have work to do,
Asian Voters- 73% voted for Obama
Jewish Voters- 60% voted for Obama
Black Evangelicals Voters- 90% voted for Obama
Hispanics Christian Voters- 75% voted for Obama
18-29 Youth Voters- 60% voted for Obama
We must tell the truth better than the Democrats tell the lies about Capitalism vs. Socialism. And the following set of statistics show that conservatism is and will continue to be on the right side of history. I'm sure many who have just had their taxes increased and those who will soon suffer the effects of oppressive new gun control policies will become disenchanted some towards the Democrat party, but it's our job to make sure these truths get out.
Since 1950 over 400 million guns have been sold in the U.S.A.
Since 1919 over 54 million people have been killed by their own government after they took their guns away.
The English royal family spent 57.8 million for travel, entertainment, etc, while Obama spent 1.4 billion.
The national debt is approximately 16.5 trillion (twice what it was in 2007) and will be 22 trillion by 2014.
77% of Americans just had their taxes increased.
Every man, women & child owes the federal government over $52,181.
Liabilities as of 2011:
$7.3 trillion for federal employee retirements
$19 trillion for Social Security participants (I do not consider this an entitlement)
$24.4 trillion […]


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The Testimony Of Dr. Edward Felten Professor Of Computer Science, Princeton University
Digital technology presents an unprecedented opportunity for the entertainment industry – and an unprecedented challenge. As the price of storing and distributing digital content drops, new services and business models become possible. New types of copyright infringement become possible too; and unfortunately infringement has become all too common. The debate is not about whether this infringement is harmful – we all know it is – but rather about how we should respond to it.
Entertainment companies are understandably concerned about the rise in infringement, and they have proposed technology mandates as one response. While well intentioned, these mandate proposals are of dubious technical merit. Worse yet, they may cause serious harm, by curbing innovation in information technology and consumer electronics.
The worst case – which is very possible – is that mandates will retard the development of legitimate technologies, while failing to make any dent in infringement. If it is not possible to avoid mandates altogether, the next best alternative is to limit their scope carefully so as to reduce the harm they cause. Technology, like the rest of our culture, relies on a community of creative people striving to combine old ideas with new to advance a common body of knowledge.
Although textbooks portray technical progress as an inexorable advance along nearly preordained lines, in practice the process of discovery is anything but predictable. It is only through trial and error – with many zigzags and false starts – that we know which way to go. Technology moves fastest in an open and chaotic marketplace of ideas, unconstrained by mandates. The Digital TV Transition The transition to digital television (DTV) will greatly increase the clarity and visual resolution of TV programming. This change will reduce piracy, by increasing the quality difference between legitimate and pirated programming.
Consider the mechanics of DTV piracy. Full-resolution DTV images require an enormous amount of hard drive space to store and an enormous amount of bandwidth to transmit. A three-hour TV movie in ATSC format occupies about 26 Gigabytes (i.e., about 26 billion bytes) of storage.
To store just one such movie requires a hard drive that costs about $50 – enough money to buy two or three DVD copies of the same movie. To transfer this file across the Internet to one other person, assuming both parties have fast home broadband connections, takes about two days. Few would-be pirates would go to this much trouble, when the same movie is available, sooner and at a lower price, on DVD or pay-per-view instead.
A pirate would choose instead to compress the video file, to make it smaller at the cost of reducing visual quality. A file small enough to transfer quickly over a broadband connection will have fairly poor visual quality. Whether would-be infringers are willing to download these infringing files depends on how the files' quality compares to that of legitimately obtained content. Today's analog television offers mediocre visual quality, so highly compressed files may be an acceptable visual substitute (for customers who ignore copyright law). However, DTV offers a much better visual experience, making the degraded quality of compressed files much more evident. The highly compressed files offered by pirates will therefore be less attractive after the DTV transition than they are today.
The DTV transition will make legitimate content better, without affecting the quality of pirated on-line content. The result will be to raise the demand for legitimate content. Because of this, technology mandates make even less sense in the future DTV world than they do today. Innovation and Regulation The main effect of mandates would be to impede legitimate technical progress.
Innovation is inherently unpredictable. If we know how to do something, we are already doing it; so a technology advance is by definition a surprise. The path forward is not a straight one. We move forward by trial and error, as new insights teach us how to build on past failures. To foster innovation, then, we must keep the field clear for surprising developments, so that experimenters and entrepreneurs can pursue whatever avenue of progress they discover. Closing off these avenues through overregulation carries a high price, in missed opportunities and inventions that are never made. It is tempting to imagine that we can concoct a regulatory regime that is truly technology-neutral, not favoring one technical approach over others but discriminating among products based only on their effectiveness. In practice, though, any regulation will encode certain assumptions into its definitions, its terminology, and its criteria. Those assumptions might seem innocuous when the regulation is written, but over time they will channel and limit progress. Existing approaches will move ahead, but new, innovative technical approaches will be stifled if they conflict with the regulatory assumptions. Since we cannot predict the technical future, we will not be able to write regulations that keep the road clear for future inventions. The winning products, and the winning technical approaches, will be chosen not by the market but by the regulators. Inevitably, this will retard technical progress.
Regulation and General Purpose Technologies Regulation has an especially harsh effect on general-purpose technologies such as personal computers and the Internet, which are capable of performing powerful operations on data without needing to understand that data in detail. The classic example of a general-purpose technology is the telephone network, which can carry a conversation about any topic, between any two people, and can do this without the network itself having to understand what those people are talking about. The telephone network is designed for the simple, general-purpose task of transmitting sounds from one place to another. It is indispensable precisely because it is general-purpose – because it can be used to talk about any topic whatsoever, and because it transmits faithfully every pause, inflection, and nuance in the speakers' voices; and it is feasible to build a flexible, inexpensive, and easy-to-use telephone system only because that system does not try to understand what it is transmitting.
Personal computers and the Internet are also general-purpose technologies, as they are designed to operate on data of absolutely any type, without the need to understand that data. As with the telephone, the general-purpose nature of these technologies makes them both more useful and much easier to build than the special-purpose alternatives.
Regulation poses a special danger to general-purpose technologies, because those technologies are capable of such a wide range of uses. Any regulatory ban on devices that are merely capable of certain disapproved uses will necessarily ensnare general-purpose technologies, even if those technologies are not designed for or primarily used for nefarious purposes.
Consider, for example, a hypothetical regulation that bans technologies that can be used to negotiate drug deals. This regulation, though presumably well intentioned, would amount to a ban on telephones and the telephone network. Someone who did not understand how telephones work might reply that the solution is to redesign the telephone network so that it cannot be used to talk about illegal drugs. But such a mandate would be contrary to the nature of the telephone network, which is fundamentally incapable of understanding how it is being used.
Even if it were somehow possible to build such a restricted telephone network, the regulation would still fail to achieve its goal, as drug dealers would just switch to talking in code, perhaps discussing purchases of "sugar" and "flour." General-purpose technologies will always be capable of both good and bad uses. To eliminate the bad uses is to eliminate the technologies themselves. This is not to say that nothing can be done about telephonic drug dealing, or about any other misuses of general-purpose technologies. My point is that mandates are not the right solution to these problems, which are best addressed through other means, such as traditional police work.
A Technical Perspective on Mandates An analysis of technology mandates must start with a clear understanding of what the mandates are trying to achieve. There are two possible goals: they might be intended to control consumers' use of content, or they might be designed to prevent "Napsterization," or widespread copyright infringement. To put it more bluntly, a mandate may try to change the rules of our copyright system, by transferring certain rights (in practical terms) from the public to copyright owners; or it may simply try to better enforce the traditional copyright system.
It is easy to see how controlling legitimate use serves certain private interests; but mandating such technological control amounts to a significant change in public policy. Other witnesses are addressing the implications of this transfer in more depth, so I will not dwell on it here, except to say that such a policy change, if it is to be made at all, should not be introduced through a regulatory back door.
If the goal is to prevent Napsterization, then the protective technology must be especially effective. Network redistribution is such a serious threat because it allows a single illicit copy of a work to become available to hundreds of millions of people all over the world. To prevent Napsterization, then, it is not enough to prevent most consumers from copying most of the time. As long as even one consumer has the technical knowledge to "rip" and redistribute the content, along with the inclination to do so in spite of the law, the content will become available to everybody – it will be Napsterized. To prevent Napsterization, a protective technology must be so strong that not even one would-be pirate can defeat it. Today's anti-copying technologies don't even come close to meeting this challenge. At best, they control and limit the activities of ordinary users; but a would-be pirate with a moderate level of technical skill can defeat them with moderate effort. Today's technologies do not, and cannot, prevent Napsterization.
Most independent technical experts believe that no technology will ever prevent the capture and redistribution of digital content by determined pirates. Certainly, this view is consistent with the checkered history of anti-copying technology. If this view is correct, then – like it or not – technology is not the answer to the digital copyright dilemma, and the result of mandates will be all pain and no gain.
Even if a technical antidote to Napsterization is in our future, that antidote will come about only through continued research and experimentation. Restricting technical progress by over-regulating will only lock in today's level of ignorance, delaying the day (if it ever comes) when we know enough to solve this technical puzzle. If we are not careful, we will mandate the use of ineffective technologies, while preventing the creation of better ones.
Reducing the Harm Done by Mandates I have argued above that technical mandates retard innovation and provide few if any benefits in return. My hope is that we will have no technical mandates at all. If we must have mandates, they should be structured carefully so as to minimize the harm they cause. To that end, I would suggest four guidelines. First, any mandate should be aimed at preventing infringement, and not at controlling consumers' legitimate, fair uses of content. The mandate should be limited to technologies that leave fair use and the right of first sale intact.
Second, technologies should be evaluated according to simple, neutral technical criteria. Keeping the criteria simple and neutral will reduce their influence on the direction of technical progress, and will keep the barriers to entry low so that new technical approaches can be tried. The criteria should be based on results achieved rather than on the use of specific technical methods. Third, the mandate should allow for the possibility that no satisfactory technologies exist, rather than simply assuming that a suitable technology can be found. If nothing works, the mandate process should be willing to admit that fact and wait for better technologies to develop, rather than locking in a bad solution. Fourth, the set of devices subject to the mandate should be as narrowly defined as possible, so as to minimize the regulatory impact on unrelated markets. A device should not be regulated merely because it might conceivably be modified or reprogrammed for an infringing use. It is especially important to protect general-purpose technologies, which by their nature are especially susceptible to regulatory harm.
Conclusion Copyright infringement is a serious problem that has no easy solution. We should resist the "quick fix" of technology mandates, which will do little if anything to reduce infringement, but will impose a regulatory drag on the very industry whose progress might yield a better solution to the piracy problem. If we must have technology mandates, they should be narrow and carefully focused. The path to a better future lies not in limiting technical progress but in embracing it.
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text: Launching her luxury namesake label in 2008, accessories designer Sylvia Toledano immediately garnered a following with colorful, sophisticated and innately playful designs. This collection of Sylvia Toledano earrings is sure to have you hooked, crafted by hand and finished with lots of multicolored stone details. Watch out for abstract flower shapes, glistening hoops and luxe dangle earrings, all furbished with a characterful, handmade quality. Stand out in style, with this endlessly compelling collection of Sylvia Toledano earrings.


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WARNING: I've made absolutely no attempt to curb my bias here. This game is what got me into computers all those years ago and I just had to repost it!
Review of 7th Guest for iPad – 18th December 2010
In the summer of 1993 I received a copy of the 7th Guest as a present from my parents, and immediately I was enthralled. The first thing I noticed when opening the box was the stunning artwork, featuring the mansion of toymaker Henry Stauf, exquisitely architected by Robert Stein and his team.
In the box was a host of treats, including a stunning lithograph featuring one of Stauf's enigmatic dolls. Behind that the two CD-ROMs containing the hours of live-action video, gameplay and 3D Studio-rendered graphics, with the remainder dedicated to the game's haunting CD-audio soundtrack. And finally, nestled behind a small doorway was a "making of" video cassette which offered a detailed insight into how all the diverse elements of the 7th Guest came together. Later versions also shipped with a booklet entitled The Stauf Files which provided a new story arc featuring the investigative journalist Robin Morales. This also acted as a nice segue into the game's sequel, The 11th Hour.
As a 13 year old kid, it was like having Christmas all in one beautifully packaged box. I can't tell you how many countless hours I spent on my dad's PC in the study, exploring all the rooms of Stauf's sprawling mansion, looking for so-called "kinetic hotspots" like the hidden portal to the subterranean portrait gallery, screaming blue murder over the infuriatingly difficult Microscope puzzle (Note: this had to be dropped for the iOS version due to technical issues) and piecing together the (intentionally) fragmented storyline of what took place when 6 guests were invited one night.
In the near two decades since its release, there have been multiple ports of the game, including one to the long-forgotten CD-i platform. The latest and first one in 13 years is to the iOS platform, with both iPhone and iPad flavours being made available.
In firing up this game for the first time in years, the first thing I realise is how far the gaming platforms themselves have come. It's easy to take this for granted in the age of the smartphone and the PS3, but I can still clearly recall the difficulty in setting up the game back in the 90's: Correct VESA/SoundBlaster drivers? — check, MIDI/WAV volume balance — check, enough available Conventional/Extended memory — check. Indeed, the first puzzle of the game could be described as actually getting it up-and-running (later releases of the game did improve on this, thankfully). But it was all worth it as the game's ouija board was revealed and that delectably evil voice of Henry Stauf offered that unnerving greeting: "Welcome to my… house."
Players of the PC/Mac version will notice how true to the original the iOS port is. Thankfully, the clever team that has brought this version to us (under the direction of the game's co-creator, Rob Landeros) has left the game for the vast majority intact, avoiding any George Lucas-style tinkering of its parts. One thing I did miss, however, was the game's cinematic title sequence, which featured a bone-chilling crescendo provided by the musical genius George Sanger, aka The Fat Man. This introduction, which lead into the haunting exposition of Stauf's "road to evil" (which is included in the iOS version), set the tone and atmosphere for the game in a way that had me checking my back as I explored the house's darkened corridors. I distinctly remember at one time being a little freaked out having got lost in the vast maze that leads to the house's crypt: as I rounded a corner and was met with a dead-end, Stauf offered his most chilling taunt of all, "Feeling lonely?".
Now as I fire up the ouija board on my iPad and that skeletal hand beckons me deeper into the bowels of the mansion once more I can't help but feel a certain sense of trepidation all over again: will I beat the house in the face of Stauf's merciless taunts and "live to play another day", or will I once more fall victim to the house having succumbed to my "mere mortal" weaknesses?
Either way I'm sure I'll be reminded why this game made a such a big impact when it was released all those years ago: it's straight-forward and intuitive gameplay, it's uncompromising production values but most of all it's focus on storytelling, which was way ahead of its time (my favourite of the camp cast of characters being the man-eating seductress, Martine Burden). As this latest incarnation spreads throughout the Internet, I will follow with great interest the thoughts and reactions of a whole new generation of Egos who dare to enter the mansion.