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The Minnesota bankruptcy filing statistics are out for the month of March. Year over year, March of 2019 shows 70 fewer bankruptcy filings than there were in March of 2018. In March of 2018 there were 998 bankruptcy cases filed in Minnesota, but this year in March 2019 it was only 928. March has always been the month in which the greatest number of case are filed – in my opinion that's because people have tax refund money they can use to pay their lawyers. Why is it down this year? My best guess is it"s those lower tax refunds everyone has been talking about. I see my clients having bigger pay checks because their withholding is less, but they are also having lower tax refunds. Since tax refunds are considered to be an asset, a lower refund can be a good thing once the bankruptcy case is filed.
Recent Increases for the Minnesota State Exemptions
If you've been reading any of my musings, you know that when you file a Chapter 7 bankruptcy, ownership of all your stuff is temporarily and theoretically transferred to a trustee appointed by the court. I say "theoretically" because normally the trustee doesn't get to keep any of it, or at least gets to keep very little. The reason why the trustee can't keep your assets is that – with the help of somebody like me – you are going to claim all or most of your stuff as exempt. There are two sets of exemptions in Minnesota to choose from: the federal exemptions and the Minnesota state exemptions. The federal exemptions tend to be much better than the Minnesota state exemptions, except in one area: equity in a homestead. If you own your home and you have more than just a little equity in your home, the Minnesota state exemptions are for you.
Several of the Minnesota exemptions are indexed for inflation. The resulting increases are only applied every few years. 2018 was one of those years. The new indexed numbers went into effect on July 1st. For example: the household goods exemption increased from $10,300 to $10,800; for wedding rings the exemption increased from $2,817.50 to $2,940 in value; for life insurance proceeds it increased from $46,000 to $48,000; and the tools of the trade exemption went from $11,500 to $12,000. The most significant increase in my opinion was the homestead exemption which went from $390,000 of equity to $420,000 of equity.
For more info about exempting your property so the bankruptcy trustee can't have it, look at my exemption page. For a rant about what's wrong with the Minnesota state exemptions, please take a look at my post Minnesota State Exemptions Still Leaking Like a Sieve. You might also want to take a look at this video:
Bankruptcy & Social Security Overpayment
I want to say a few words about whether a debt owing to the Social Security Administration for overpayment of benefits can be discharged in a bankruptcy. Often it can be.
If you have received Social Security you know that several factors, many of them beyond your control, can affect whether you are eligible and for how much. This is especially true of disability benefits. A change in status can end your eligibility or reduce the amount. It's all very complicated and hard to understand – especially if you are ill.
The Social Security Administration is a big and cumbersome organization that makes lots of mistakes. Lots of times they pay benefits when they are not supposed to. Often this happens because they can be very slow in processing information they receive from beneficiaries. The impression I have is that most beneficiaries are very careful about complying with requirements that they report any change in their circumstances. If you report the change and the benefits keep coming, most people would assume that the change didn't make a difference. Later, however, you may be shocked to receive a nasty letter from the Social Security Administration. The letter claims that you have been overpaid and demands repayment.
Suddenly you have a very large debt to a federal government agency. Nobody is more powerful. They might start withholding from the benefits you are still eligible for; they might seize your tax refunds; or they might even start garnishing your wages. Most people assume that like the usual student loans and taxes, there is no way to make this go away. This is what I assumed too the first time someone came to my office with one of these letters.
I was surprised to learn when I did a little research that many if not most of these Social Security overpayment claims can be discharged in bankruptcy. When a debt like this is listed in a bankruptcy, it is going to be discharged unless the Social Security Administration successfully objects. In order to figure out whether to expect an objection, it is helpful to check Social Security policies as published in their on line Program Operations Manual. The guidelines as to when such an objection should be filed are in GN 02215.196 of the manual. They will object if they believe they can prove that the overpayment was a result of fraud or misrepresentation.
They use a three part test to define what they mean by misrepresentation. There must have been 1) an overpayment caused by false representation, 2) made with the intent to deceive and 3) upon which the Social Security Administration relied to it's detriment.
The typical person I see in my office who with one of these overpayment letters isn't anywhere close to satisfying the above test. This person hasn't told any lies and certainly wan't trying to deceive anybody. There was no intent to cheat the government out of anything. It was more a matter of just stumbling into the situation. If this is where you find yourself, you might want to give me a call. The chances that a bankruptcy can make the whole problem just go away are very good.
Bankruptcy by the Gallon: Time to Let Go of Old Closed Bankruptcy Files
I'm not a paperless kind of guy. Hard copies of everything in a file folder. That's how I like to do things. This of course means that I generate a lot of paper, and every few years I run out of storage space. After a Chapter 13 or Chapter 7 case is completed, the discharge has been granted and the clerk's office has closed the case, I move the file to a storage room in the back of my garage. To me those files represent a lot of work, care, concern, blood and sweat. Gosh I hate to get rid of them. But a time comes when one has to let go. One has to admit that those people really did get a fresh start, they don't need me any more, and it's really time to move on and let go – physically let go of the file.
So it was with mixed feelings recently that I called Proshred, a locally owned shredding company near me. Prior to their arrival on the appointed day, I spent probably at least 20 hours going through all my old files deciding what it was safe to shred and what I had better still keep. I don't remember for sure when I did this last, but I noticed right away that for the most part the oldest files I had dated from about 2006. What I finally wound up with was a big pile of bankruptcy files ranging from about 2006 to about 2012 in the middle of my garage floor. There was no left room to park.
When the truck arrived as one would expect, the driver who was supposed to do all the loading work had just had back surgery. He showed me the scar. I was planning on helping him anyway, but it turned out to be more like he was helping me. The files were moved from my garage to the truck using a full sized 64 gallon garbage can on wheels. It took about eight trips. I suppose that means I had about 512 gallons of files. Never thought of measuring my work by the gallon before.
I could hear the shredding blades doing their work right there at the end of my driveway. Kind of a strange or odd end to all that concern and pain I thought. It was comforting to hear from the driver that the remains of the files were going to be recycled and would eventually be used to make new paper at a mill somewhere near Duluth. As the truck pulled away I felt a bit of sadness, followed by a feeling of lightness and relief.
Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy
I recently posted on Google Plus about how certain things tend to be toxic to a possible bankruptcy. The most common one I see is a Harley Davidson. Other items in this category would include boats and horses, especially if they are fancy and not paid for. This statement resulted in questions being asked about exactly what I meant. If the problem is that a Harley, a boat or a horse are assets which would be lost in a Chapter 7 bankruptcy, then wouldn't it be better for them to not be paid for. If they weren't paid for, after all, they wouldn't be much of an asset.
My answer was that such items make a bankruptcy difficult whether paid for or not. If they are paid for, they are assets that very likely would be lost in a Chapter 7 or would increase the required payments in a Chapter 13.
If they are not paid for, you have a situation where the Debtor will want to tell the bankruptcy trustee that he or she can't afford to pay debts, except that somehow they CAN afford to keep paying for the Harley, the boat or the horses. This does not play well. The only thing to do if they really need the bankruptcy is to sell or surrender before filing, or state in the bankruptcy petition an intention to surrender the items after the case is filed.
Many have been the times when I have had a potential client disappear never to be heard from again when I said that the Harley has to go. There's a whole subculture where any kind of misery is preferable to giving up the Harley. Boats are usually a bit easier to let go, but horses are also very hard to give up.
One exception might be a case with a 100% Chapter 13 plan. That would be a plan where 100% or the unsecured debts are to be paid. Since the bankruptcy trustee can't ask for more than 100%, the Debtor would have more wiggle room when it came to something like keeping a motorcycle. Even then the trustee would not like it, but more than likely the trustee could not prevent it. I see very few cases where the payout is 100%. Most people who can afford to do that don't need a bankruptcy.
Consumer Warning from NACBA
Here verbatim is a consumer warning I have been asked to post from the National Association of Consumer Bankruptcy Lawyers.
Telephone-Scam Soliciting Wire Transfers Prompts NACBA and Vermont Attorney General to Issue Consumer Warning
Across the country, consumers are falling prey to a new scam targeting people who have filed for bankruptcy and others just getting started with the process. Bankruptcy attorneys are joining forces with public officials to sound the alarm bell to unsuspecting consumers.
The con artists are using software that "spoofs" the Caller ID system so that the call appears to be originating from the phone line of the consumer's bankruptcy attorney. Victims of the scam are being instructed to immediately wire money to satisfy a debt that supposedly is outside the bankruptcy proceeding. Some consumers have been threatened with arrest if they fail to wire money to pay the debt.
In some instances, the perpetrators are using personal information from public filings to identify consumers, assume the identity of their attorneys and sound more convincing by phone. These calls are typically placed during nonbusiness hours, making it difficult for clients to verify the call by getting in touch with their attorney to ask about it.
The National Association of Consumer Bankruptcy Attorneys (NACBA) and its individual members want consumers to know that under no circumstance would a bankruptcy attorney or staff member telephone a client and ask for a wire transfer immediately to satisfy a debt. Nor would the bankruptcy attorney and staff ever threaten arrest if a debt isn't paid.
Consumers should be advised that legitimate debt collectors and agencies cannot threaten arrest in order to satisfy. If you or a family member receive this kind of call, the best thing to do is to hang up and contact your bankruptcy attorney as soon as possible. Do NOT give out any personal or financial account information to the caller.
Why Everything Has to be Disclosed when Filing Bankruptcy
I recently noticed a familiar name and face in an article in the Star Tribune. The headline was "Minneapolis Bankruptcy Trustee Smelled a Rat and Got the Goods on Jewelry Store Owner," an article by reporter Randy Furst. The article describes a situation where a gentleman, Daniel Rohricht, apparently closed his jewelry store, went out of business and filed Chapter 7 bankruptcy. This was about four years ago. The debts listed in the bankruptcy came to over $250,000.
Mr. Rohricht claimed that all the jewelry was gone, having all been sold. The bankruptcy seemed to go well. One of our local bankruptcy trustees, a lawyer named Nauni Manty, was appointed as the trustee handling the case. Ms. Manty knows a lot about jewelry and the jewelry business, but there was no evidence that anything was being hidden. It is the trustee's job to find assets for the creditors. But after doing what investigation she could, she accepted a settlement of $17,500 from Mr. Rohricht. The settlement agreement stated, however, that if Ms. Manty became aware of any undisclosed assets, the deal was off and they were back to square one.
Years passed, but Ms. Manty did not forget Mr. Rohricht. Eventually she got wind that he had purchased a store in Wisconsin and had gone back into business. She was able to prove that the jewelry and precious stones that he was hauling into the new store were items he had hidden in 2009 prior to filing his bankruptcy. To make a long story short, he recently pled guilty to concealing assets and is now facing federal prison and a very large fine.
It's not unusual that I will run into a person who has something he or she doesn't want to disclose in their bankruptcy case. They tend to believe firmly that it is something nobody would ever find out about. That's what Mr. Rohricht thought too. I get asked why whatever it is must be disclosed. Here's why. My understanding is that every year in Minnesota on average two or three people are convicted of bankruptcy fraud. It's never happened to any client of mine, and I really want to keep it that way.
This post is for general information purposes only, is not legal advice and does not create an attorney-client relationship. I am a debt relief agency, helping people file for relief under the federal bankruptcy code.
"Thank you" Recently Received from Client after Bankruptcy Discharge
During the holidays several of my clients received their bankruptcy discharge. The discharge is a court order which states that the Debtor is no longer legally obligated to repay most if not all of his or her debts. In most cases the only debts that are not discharged are student loans and taxes. Sometimes even taxes can be discharged, but that's a topic for another blog post.
When that discharge comes out, many of my clients thank me profusely. For some reason I often have a hard time accepting thanks. When I was growing up I think it was part of the culture to assume that when somebody was just doing their job, there was no need to thank them. And if somebody thanked me I tended to say "no need to thank me" or "it was nothing" or other similar words which more or less blew it off. Later in life I learned that such responses diminish the importance of the gratitude being expressed and the person expressing it, and a simple "you're welcome" is a much better way to respond.
Gratitude is one of the most noble of feelings and it should always be acknowledged – still it remains hard for me to do. Even so, with the client's permission I'd like to share with you the following somewhat poetic excerpt from an email I received from one of the clients who recently got that discharge:
"This is the best holiday present ever!
That difficult experience of the past few years can now finally be a ghost….So many sleepless nights.
Thank you David for helping us to straighten out our lives..
We still have a hard road a head to try to prepare for being too old to be employed…
It would have been impossible with the mess we were in and it is still a long shot but we do have better odds now.
You were our guiding light and we will always be grateful.
Many many thanks to you David, ……."
I tend to get a little emotional around the holidays anyway, but this email really touched me.
Don't be Tricked by Misleading Bankruptcy Attorney Fee Advertising
A lot of the advertising about attorney fees for bankruptcy is misleading – even tricky. Today I checked on a Google ad and the web page it leads to which says a certain law firm will file a bankruptcy after a payment toward the attorney fee of only $99. I found this to be not exactly accurate.
The web page says that $99 toward the attorney fee, along with the court filing fee and counseling program fees, would be all one would have to pay prior to filing. It was a slick web page, obviously done at considerable expense, where I found the following statement:
"You only have to pay the court filing fee of $335 and the credit report / credit course fees of $65 and an attorney fee of $99 to file." It also said: "Only $99 Down, No Co-Signer Needed, File Now/Pay over Time, Affordable Payment Plans" in big blue letters.
I wondered how can these people can be doing this. I could never cover my office rent, malpractice insurance, phone and internet bills and office supplies if I didn't charge a lot more than that. So I went to the bankruptcy court web site and ran a search for actual cases they had filed. This is not free, so I didn't look very far. All I did was check the last two cases this law firm filed to see what the attorney fee had been. Attorney fees have to be disclosed on the bankruptcy petition. What I found was that for the last two cases they filed, both Chapter 7s, their fee was $990. And the court filings also said they had received all of the $990 before filing the case. That's lower than what I would usually charge, but it's a lot more than $99.
Now one thing you should understand about attorney fees in a Chapter 7 bankruptcy is this. If the attorney does not collect his or her fee prior to filing, any part of the fee that is still owing is just another debt in the bankruptcy case. The attorney is just another creditor. The attorney, like all the other creditors, is under an immediate court order requiring that he or she do nothing to try to collect. It is illegal and unethical for the attorney to collect anything from the client once the case is filed. That's why you may see references to a co-signer in some advertising. The lawyer can still try to collect the fee from a co-signer as long as the co-signer is not his bankruptcy client. This of course puts the bankruptcy lawyer in the position of being a bill collector. I don't EVER want to be a bill collector.
I went back to the web page thinking it must be referring to Chapter 13 bankruptcy only. When it comes to paying attorney fees after the case is filed, a Chapter 13 bankruptcy is a very different animal from a Chapter 7. If you file a Chapter 13 bankruptcy it is possible to pay part of the attorney fee through the Chapter 13 payment plan. I hit Control F to search the page and typed "13" into the search box. No mention of "13" or "Chapter 13" appears anywhere on the page. The page seems to be talking about Chapter 7. The only filing fee the page mentions is $335, which is the Chapter 7 court filing fee. The court filing fee for a Chapter 13 is slightly lower.
When I look at their web page I can see that it is very slick, and at the bottom is the name of a web development company that designed the page. I can remember a few years back when I hired a person to redesign my page. The person I hired started adding all sorts of new key words and content, which was submitted to me for review. There was a whole lot of it, and it was hard to keep up with what the designer was doing. Is it possible that the web designer wrote up this stuff while the law firm was not paying attention? It could happen. I'm now back to doing all my own web design work. I found that having my web page in the hands of a professional design and marketing person was scary.
So maybe they just have a busy marketing person who they can't keep up with. Maybe it's not entirely the law firm's fault. But I do want to suggest to you that you should be very wary when you see something like this and don't be taken in by it. If it seems to good to be true, it probably is.
This posting is for general information purposes only and is not legal advice. It does not create an attorney-client relationship. I am a debt relief agency. I help people file for relief under the federal bankruptcy code.
Dave Kelly, Kelly Law Office, Minnetonka, MN 952-544-6356
Avoid Having your Bank Accounts Seized when you File Bankruptcy in MN
I don't know what banks and credit unions are doing in other parts of the country. I speak here only of what I have seen and heard about here locally in Minnesota, and specifically just the Twin Cities area. Here in Minnesota, in the Twin Cities area, there is a substantial danger that your savings and checking accounts will be seized or frozen by your bank or credit union when you file a personal bankruptcy. I have always believed it to be a despicable thing to do. Some banks and credit unions are worse than others at doing this. When you choose a lawyer to handle your bankruptcy case, you might want to make sure that he or she is a person with enough experience to be aware of this problem and how to head it off before it happens.
The problem is this. If the bank or credit union is one or your creditors, you can expect that institution to seize your accounts as soon as they are notified of the bankruptcy. If this is not planned for it can result in quite a surprise – checks bouncing, a debit card that has stopped working, and the evaporation of money you thought you had. There are some banks that are worse than others when it comes to this problem. They might freeze your account even if they are not a creditor, especially if your account has a fairly large sum of money – something in excess of $3,000. I don't want to mention them bank by name here, but I believe I did mention one in this video.
You should expect your bankruptcy attorney to coach and advise you as to how this is to be avoided. What I tell my clients is that if they have an account with a bank or credit union which they owe money to, that account should be closed well in advance of the filing of the bankruptcy case – whether it's a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. If you don't close that account, the bank or credit union will claim a right of setoff against your money in the account, which is a fancy way of saying that they will seize the money. There are certain banks where all accounts should be closed if at all possible, whether you owe them money or not. Once they seize the money you won't get it back – or at least usually won't.
So the thing to do is to close all such accounts before you file your bankruptcy case. It takes planning of course. I'm not saying you should try to live without a checking account. What you need to do is open an account at a bank which is NOT one of your creditors, and get all your automatic deposits and automatic withdrawals up and running with the new account before we file your bankruptcy case. I believe that the best banks to use for this purpose are the small neighborhood banks – for example a bank with a name that starts with "State Bank of …" or "Citizens Bank of …" The process of getting the new account set up and getting the auto deposits and auto payments moved over to and set up at the new bank may take a few weeks, but I consider this to be part of the normal planning and preparation that goes into making your case as painless as possible.

subset: commoncrawl


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Lisa Pullen Kent is a wife, mother, writer, fitness instructor, musician and passionate lover of people. She writes on parenting, marriage and the sacredness of the ordinary in family life.
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Starting from number one there are five new photographs on…
March 2, 2009 in webcams by MrFarmer
Starting from number one there are five new photographs on the Photo Page.
The Towers Cleveleys, large gardens of a mansion long gone, that has been turned into a secret haven for locals to enjoy. As a bonus it is just a minutes walk away from us, so armed with a packed lunch is a great place to spend an hour or two. Pam, Cleveleys.
Although it looks as if we are in for a cold spell for part of this week, spring is well on its way at Denbury.
On a walk around the Lake this afternoon I could see that the Flag Iris's and Marsh Marigold are starting to show them selves above the ground and a few of the Tree are starting to bud. We are also seeing some rough grass starting to show through. The way that that a pair of Blackbirds are darting about instead of waiting around the animal feed bins I am sure that a pair of Blackbirds are building a nest. I will try to see where it is. If I am right and find it I will put a camera up.
Well Ladies and Gentlemen it is about time I told you about the so called Otter that you have been seeing. We do have Otters at Denbury as Karen and some of you saw in the Valley last year. But they are not Otters coming to feed at the Badgers feeding area. They are are or were rats. I have poisoned two areas to get rid of them and by the amount that I have seen over the past few nights most have gone.
Otters are much larger than what some have believed you have seen. The Otter in the Valley last year was very big. A rough guide to the size would be a large Cat plus the strong tail. With the amount of water around Denbury the Otters would be hunting Eels and Fish. If for any reason they were to be about the Badgers feeding area, they would have made a meal of the rats, as would Stoats and Weasels that we also see at Denbury quite often.
There are still a few rats about. I will need to find their holes in the bank that the Badgers Sett is in, to put the bait in. We have been baiting the areas for a long time, probably over a month if not more. We changed the bait we used from a product called Slaymore (just in case any of you have a vermin problem) to our normally excellent Farm Supplies own brand. Although the two bait was based around the same grain the rats would not take it. As soon as we changed back to Slaymore the bait started to be taken. For sure the rats had been to the bait as we put a plastic petrol can with holes at either end, this we put inside a cage. This is to stop Birds from getting to eat the bait. The rats ate half of the can and left the bait.


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Cuzco was actually split over two free days, either side of the sacred valley tour and the trek, but both are described in this single entry so it's all together.
Close to the main square is an original Incan wall, with huge interlocking blocks. The keystone actually has 12 sides, which is the largest number of sides seen in Incan construction. In colonial times the wall was built on by a rich family and you can still see their family crest above the doorway.
We wandered around the artisans market which was nice, but filled with pretty much the same stuff you see everywhere else. I love all the bright colours of the stands, but not so much the pushy shop assistants. Courtney got a lovely alpaca jumper and I found a wedding present for my friend who got married at Christmas. There was lots of nice silver jewellery, lots of nice rings especially, however I have big fat man fingers so none fitted me properly, except for on the finger which I already have a ring for. But it doesn't matter, it just saved me some money :-).
It is also said that the stones are energy giving and local people actually pray whit home hand to the rock. You should apparently stand with your hands on the rock for between 3-5minutes to get the most benefit from this energy… Although I'm not sure how they determined this time frame!
As usually there were lots of local ladies trying to sell their handicrafts to you. I was struck by just how fluffy this alpaca is! I love it! Although the handler doesn't look too happy!


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|Mortgage Refinance Information
Mortgage Refinance Information
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From time to time, we hear a story about a processor gone bad. A processor that seemed so knowledgeable early on but now isn't keeping pace and can't seem to get along with anyone. Many unhappy customers, unhappy loan officers, and denied files later, Mr. Broker is forced to seek out a resolution.
Home Equity Loan or Home Equity Line of Credit ? Which is right for you?
The most common type of home equity loan is the term loan. This loan is set for a fixed amount of time, anywhere from five to fifteen years. Such loans are typically granted for up to 80% of the value of the home, but some lenders will lend up to 125% of the home's value.Is this type of loan right for you? The term loan works best for those who need to borrow a fixed amount of money for a specific purpose ? paying for a wedding, a home remodeling project, a fixed educational expense, or debt consolidation. This would give the borrower a fixed repayment schedule, where he or she would pay a set amount of money each month for a specific period of time. An increasingly popular alternative to the home equity loan is a line of credit. This type of loan works like a credit card, and has a revolving line of credit, in which the borrower may borrow against the principal more than once over the life of the loan. The borrower is usually given special checks that he or she may use to write checks against the loan amount. The borrower may borrow a little at a time, or borrow all of the loan amount at once. Unlike the term loan, the interest rate on lines of credit tends to be variable. This type of loan works best for recurring expenses ? a complicated remodeling project accomplished in several stages, or a recurring educational expense such as annual tuition. Each type of loan has its advantages and disadvantages; you simply need to decide if you want a fixed interest rate and fixed payments, or more flexibility in terms of when and how you pay. Your needs will determine which type of loan is best for you. Either way, under current Federal law, the interest on a second mortgage is deductible from your income taxes up to $100,000.
Kings Bay Saint Marys & Kingsland Georgia - Affordable Home Mortgages
Buying a home is usually the largest purchase any of us will make in a life time. When choosing a home, you want to find one that suits your families needs best. Take the same steps when choosing a mortgage company!
Choosing The Right Mortgage For You
This article will help you understand the differences between a variety of mortgage options. There are many different mortgage products offered by the various lending institutions in Canada, so you may not know what features to look for.
Option ARM ? The World?s Most Dangerous Mortgage
Home prices have reached record levels, and in many parts of the country, homes have become nearly unaffordable. Real estate has replaced the tech stocks of the late 1990's as the hot investment, and everyone has sold their stocks and jumped into investment property. Real estate prices have increased at a far greater rate than salaries, and the lending industry has attempted to solve this problem by introducing a tremendous number of mortgage options for borrowers who barely capable of purchasing a home. Most of these loan types feature adjustable interest rates and minimum down payments. One of these, the option ARM, is the most dangerous type of loan ever introduced. Borrowers who are considering an option ARM should be aware that this loan could leave them with a loan that is worth far more than the home it's used to buy and with a loan that he or she cannot afford to pay. The option ARM is not for the squeamish.
Reverse Mortgage Maximization
Have your home's appreciation grow twice as fast.
How To Get a Mortgage If Youre Self-Employed
If you are self-employed, work on a contract basis, or have an income that is irregular or comes from multiple sources, it will generally be harder for you to get a mortgage than it is for someone who is an employee and can easily prove their income.
Mortgage Cycling ? Brilliant or Risky
With mortgage rates near 20-year lows, competition in the mortgage industry is fierce. It seems like every day a new mortgage loan strategy comes out that is suppose to be the best thing since sliced bread. Whether it's a mortgage with no closing costs or an interest only mortgage, everyone is claiming they can save you a ton of money. Now someone has come out with something called Mortgage Cycling. Mortgage Cycling could save you thousands of dollars or it could cost you your home.
Real Estate Finance Strategy that Few People Consider
If you are considering a new home loan anytime soon, and you do not want to get an adjustable rate mortgage (remember, ARMs are very strong loans), you should consider a 2/1 buydown.
Essence of Self Certified Mortgages
Your search for a mortgage isn't leading results.
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|Mortgage Refinance Sources 2005


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march, 2019
29mar8:00 pm- 10:00 pmFriday Night Comedy"One of Durban's hottest monthly Stand-Up Comedy events!"8:00 pm - 10:00 pm Areas:Durban,Upper Highway
Event Details
A TERRIFIC line-up of hilarious
Event Details
A TERRIFIC line-up of hilarious South African (and international) Comedians delivering 90-minutes of non-stop comedy action!
The best way to spend a Friday night!
Lineup includes:
- John Vlismas, Lateef Lovejoy (UK), Dustin Moore, Neil Green, Andrew Hughes and more!
Durban welcomes internationally acclaimed, award-nominated Comedian and Actor – Lateef Lovejoy – on tour from the UK.
He is joined by SA comedy icon – John Vlismas!
Your host for the evening is ECR DJ and Durban Comedy stalwart – Neil Green.
Catch touring SA comedian – Dustin Moore – as well as Durban local – Andrew Hughes.
Also on the line-up is hot new Durban act – Nabeel Peer.
90 minutes of non-stop laughter!
BOOK your place today! (Computicket)
Cost: R120 at Computicket:
R150 at the door on the night
Venue: Gateway Hotel (Centenary Blvd & Twilight Dr, Umhlanga Ridge)
Bookings at Computicket:
Info: 031 536 9200; [email protected]
Lateef Lovejoy (UK)
Lateef Lovejoy is an internationally performing, award-nominated Actor and Stand-Up Comedian:
- Best Comedian Pride Of Africa Awards
- Leading Actor Befta Awards
- BECA Awards Best Male Comedian
- Emerging Talent Screen Nation Awards
As one of the most recognized acts on both the black, mainstream and International Comedy circuits, he has headlined shows all over the world, including the US, Belgium, Abu Dhabi, Thailand, Nigeria, Jersey, Sweden, Norway, and South Africa.
Lateef has a string of Feature Film, TV, Radio and Theatre credits both in the UK and internationally behind his name, and has recently just completed writing, producing and starring in his own comedy sketch show pilot: "HeSaidSheSaid".
Dustin Moore
Twice selected to Tour as host/opener to Brian Aylward (Canadian Stand-Up Comedian of the Year, 2016), this South African born international comedian has a "unique high-energy, free-flowing style of comedy that fills the room with positivity and laughter".
He has performed in over 7 countries alongside world-class comedians, such as Netflix' Tom Rhodes (Magners International Comedy festival, 2018), Ron Josol (CAN) from Kevin Hart's LOL Network, and many more!
John Vlismas
An award-winning comedian, John Vlismas is one of South Africa's most creative, prolific and well-known international comics.
He has performed all over the world and is a firm favourite on the SA comedy scene and a household name to boot!
His latest one-man show – 'The Good Racist' – enjoyed 6 successful weeks at the Pieter Toerien Theatre (JHB), received wide acclaim, and further cemented his position as one of SA's top performers.
The man is intelligent, witty and quite unashamedly hilarious!
Neil Green
After a decade in the comedy industry, Green has garnered a reputation as one of Durban's funniest comedians, and is indeed a rising star in the SA comedy industry.
Not only a highly sought-after comedian and accomplished MC, he is also a highly respected East Coast Radio DJ with a growing following!
Green's sharp wit, commanding stage presence, packed-out one-man shows ('I'm Ill'; 'Last Boss') and hilariously honest take on life have won him legions of fans throughout the country.
Look out for this guy!
The man literally has jokes for days…
Andrew Hughes
Nominated in 2017 in the 'Newcomer Category' of the Savanna Comics' Choice Awards, this talented comedian has gone from strength to strength.
He has toured with Carvin Goldstone and performed with the best in the business, cementing his position as one of Durban's accomplished comedians.
In 2018 he performed his debut solo show ('In Living Coloured') to rave reviews.
Nabeel Peer
Nabeel Peer only recently burst onto the Durban comedy scene, but is already thrilling audiences with his uniquely funny observations of family life and the challenges facing young millennials. He has performed all over Durban, entertaining crowds with his spot-on accents, hilarious impressions and tongue-in-cheek anecdotes.
Definitely someone to watch out for!
Proudly brought to you by Savanna Cider, East Coast Radio, Gateway Hotel and On Fire Entertainment!
Powered by ON FIRE ENTERTAINMENT – "Durban's Premier Corporate Entertainment Specialists!"
(Friday) 8:00 pm - 10:00 pm
Gateway Hotel
Corner of Twilight Drive and Centenary Boulevard, Umhlanga Rocks,
On Fire Comedy[email protected]


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Keep Those Visitors Coming Back (Part 1)5 min read
Fact: Your church will have visitors who never come back. Some will leave after settling their mere curiosity about what you're all about. Some will leave because what you teach "just isn't for them." Some will leave because they were just passing through town on the way to their timeshare in Timbuktu. And some will leave because they do not like the whole of the gospel (just fluffy good parts).
But not everyone needs to be a statistic. How can we increase the likelihood that visitors will come back?
1. Be welcoming
You want those visitors to be there, right? Then show them! Introduce yourself. Talk to them. Have someone (or a team of people) each week prepare a small goodie basket or loaf of homemade bread to give to visitors. Let them see that you are a warm and inviting bunch of people.
Show that you are interested in them as human beings. Where are they from? What church have they attended in the past? Do they have kids? Where do they work? Do they have any skills or expertise that could be utilized at your congregation?
When they leave your church building for the first time, they need to feel like they are leaving a place where they felt at home. They should feel not just wanted, but also needed as a necessary part of your church community and mission.
2. Be friendly
There is a difference between being friendly and being welcoming. When you are welcoming, your attention is externally focused – making guests feel welcome. When you are friendly, your attention is internally focused – meaning you are also giving attention to those who are already a part of your congregation. Visitors need to see what it is like to be a member at your church. They need to see that your "welcoming attitude" isn't a façade; that you're not all about numbers – you're about church family.
"By this all will know that you are my disciples, if you have love one another" (John 13:35). The world needs to see what it is missing out on by not being a member of the church of Christ. And visitors need to see what they are missing out on by not being a member of your congregation.
3. Don't be weird
Whatever you do, don't make them stand up. Don't call their names. Don't put them on the spot. Don't make them fill out a 'visitor card' while you stand there with a gun and watch. Don't force members to talk to them during some 'meet and greet' period.
Never, never, never, never do these things. Never.
Most people just don't like to be in the spotlight in a strange place. Keep the first point of this article, "be welcoming," in balance. You need to be sensitive to the fact that visitors (especially if they are introverts) are easily intimidated by awkward moments.
We're all weird to some degree. And some are weirder than others. So protect your visitors from the weirdness.
4. Create a relaxed atmosphere
We all know how unpleasant it is to visit that one old lady who keeps her house immaculate. Everything is so clean and so expensive that you fear every move. If you make one wrong move, she will bark at you.
Make sure your church isn't the religious equivalent of that stiff old lady.
Now, I know there's a word game people play these days; when some say, "We should have a relaxed atmosphere at our church," they actually mean, "We should sit around in bean-bags, wear pajama pants, and drink hot-chocolate while we sing Kumbaya." In other circles, "relaxed atmosphere" means remodeling the church building to look like an abandoned warehouse, wear tight hipster jeans and Converse shoes, open a Starbucks coffee bar, and talk about how much we hate "legalism" and "proof-texting."
No, I don't mean that kind of relaxed atmosphere.
I simply mean to say that our assemblies shouldn't be stale and stuffy. In an age when expensive-looking outfits and formal presentations are perceived as pretentious by a growing number of people, there's no need to offend our visitors by our presentation if we don't have to. (The gospel is offensive enough as it is; why make it worse by making everyone button their top buttons?)
You can lighten things up without diminishing the seriousness of worship. Depending on whether your congregation is located in an urban, suburban, or rural location, your dress and presentation should be appropriate to your cultural setting. While Christians shouldn't be on the 'front lines' of changing society's clothing-norms (cf. 1 Cor. 11:1-16), we shouldn't be in the very back either.
5. Explain everything
More and more visitors to your assembly are "un-churched," meaning they have a little-to-none religious background. "What are we doing during the worship service?" "What is a Bible class?" "Which class should I attend?" "Where should I go?" "Why are the men passing around dishes with crackers and grape juice?" "What am I supposed to do when they come to me?" "How did everyone but me know to stand up during this song?"
There's no need to leave visitors in the dark.
Occasionally offer explanations for what you are doing in worship. This of course isn't just for the visitor's benefit – this is good for the entire congregation. It helps avoid the rut of routine by reminding people why we do what we do.
Give every visitor has a 'welcome packet,' complete with some sort of brief, simple explanation of the church of Christ and why we do what we do.
Help visitors be where they need to be. Make sure your rooms and hallways have labeled and that a first-time visitor can easily be where he or she needs to be.
Society has conditioned people to think of Christianity as a hollow tradition or a mindless ritual. When a visitors honor us with their time and presence, we have a great opportunity to teach them what true Christianity is and why we every part of our assemblies is intentional and full of meaning.
Stay tuned for part 2.
Have something to contribute? Leave a comment in the comments section below. However, please keep your comments relevant to the article. For my full comment policy, click here.


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With Tu B'Shevat coming up (tonight and tomorrow!), we wanted to point you to our friends at Canfei Nesharim, who are offering excellent resources to help us all experience a more meaningful "New Year of the Trees." The following is a brief description, as well as a link to the material. Enjoy!
Tu b'Shevat, the Jewish "New Year of the Trees," falls this year on February 8-9. It's a great time to learn and share with your community about Torah teachings on protecting the environment. This year Canfei Nesharim is offering a wealth of NEW resources for this Tu b'Shevat, including FREE colorful haggadot for your Tu b'Shevat seder; synagogue activity suggestions (with resource sheets) for children, teens, adults and communities; FREE "Appreciation for Creation" wallet cards for you to order and give out to your community; "The Trees Sang with Joy," a new Torah teaching for Tu b'Shevat (available for reprinting); electronic greeting cards to share with your loved ones; and the opportunity to plant a tree in our virtual forest OR in the land of Israel. Don't miss this great opportunity to learn and educate your community about our Torah-based responsibility to protect the environment. Check it all out at http://canfeinesharim.org/community/shevat.php!


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Good Monday morning folks and a BIG Texas size shout out to all of the dapper dads out there...I hope you had a sweet Father's Day. Warning: this post is full of boastful braggadocios compliments...more like a love fest and less FITness fest today! See this guy? That's my dada, my dad, my father,… Continue reading Daddy's Girl
Tag: entrepreneur
FIT Friday
Hay hay hay…it's Thursday. Welcome to the second edition of a new FRIDAY... YES I know it's Thursday....it's early this week because I had an epic fail last week while in Cancun...but more about that tomorrow morning. Speaking of...don't you dare miss tomorrow's tell all from Cancun...a travel diary of sorts. I have 20 plus… Continue reading FIT Friday
Letter to the PRESIDENT!
I woke up so inspired this morning! I just couldn't help myself. Words flooding my mind so I took to computer and hammered this little diddy out! I wanted to share it with you. Hello - My name is Angi Abercrombie. I'm a 43-year-old small business owner, wife, mother and native Texan. I'm a devout… Continue reading Letter to the PRESIDENT!


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At Northwest Fuels, we have a service area of around 100,000 square miles. We've got you covered from Prince Rupert to the Yukon border. Northwest Fuels is a leader in distribution in many fields of commerce in the Northwest. This is one of the most difficult areas in B.C. to service, and it necessitates both the skills and equipment to do the job, and also the flexibility to adapt to the changing needs of commerce in the North.
Northwest Fuels has both Petro-Pass and Cardlock locations throughout the Northwest region of British Columbia. Northwest Fuels also provides its commercial clients with fuel delivery throughout the region. For more information see our Commercial Delivery page.


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Added: 2018-06-29
Category: boiler service
Comments: 0
Prior to approving this project, suncor is reviewing several factors, including determining how this project aligns with the emerging alberta power market design in the meantime, we are progressing some early stage activities and preparing our regulatory applications we will continue sustaining existing assets until a decision is made on a path forward. How big a plume are you likely to get from the condensate and where is it going to be situated? will it bother the neighbours because.


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Bio: Venetia Williams started off her involvement in racing as a jockey - something she…
Venetia Williams – Grand National Focus
Getting involved with horse racing on any level is anything but a formality. The spiraling costs that are involved and somewhat 'closed shop' nature of the sport , often means that many with a passion for racing are always outside looking in, rather than actively involved. Add being a woman to that already tough road, and some would argue that it becomes even more difficult to make it. Racing isn't quite as much as an old boys club as it used to be, but it'd be naive to imagine that element doesn't still exist in the minds of some. Still, whether jockeys, trainers or owners, the glass ceiling is starting to shatter and we have the likes of trainer Venetia Williams to thank for that.
Venetia Williams has the distinction of being only the second woman – after Jenny Pitman in 1983, and again in 1995 – to train the winner of the Grand National. In 2009, her nine-year-old, Mon Mome, ridden by Liam Treadwell, was driven clear to beat the 2008 winner, Comply Or Die, by 12 lengths. In so doing, he became the first 100/1 winner of the Grand National since Foinavon in the infamous renewal of 1967, when a mêlée at the smallest fence on the National Course gifted the winner an unassailable lead. So while many of us are scouring through tips for 2020 Grand National Festival, Williams has walked the walk, and in spectacular fashion.
Prior to winning in 2009, Mon Mome had finished tenth of 15 finishers, beaten 58 lengths, behind Comply Or Die in the National the previous year but, nevertheless, fared best of the 13 runners that Williams had saddled in the race in her 14-year training career up to that point. However, when asked about her chances of winning in 2009, she said, "They [Mon Mome and stable companion Stan] should both manage on the ground and the fact that I've got two to line up at the start is exciting enough, so anything is possible." Ironically, Stan fell at the fence now called "Foinavon" on the first circuit, but anything was, indeed, possible.
Venetia Williams' association with the Grand National started over two decades earlier in 1988 when, as an up-and-coming amateur rider, she had her one and only ride in the iconic steeplechase aboard 200/1 outsider Marcolo. In the days before the landing zone at Becher's Brook was levelled, Marcolo fell at the formidable obstacle, knocking Williams unconscious in the process.
The eventual winner, Rhyme 'N' Reason, also blundered at the same fence, slithering down on his haunches before making a dramatic recovery. As Williams later recalled, the Racing Post ran a series of photographs showing his recovery which, quite by accident, also showed her coming a cropper in the background.
Williams is a rare breed, and no doubt she appreciates that other women, such as the aforementioned Jenny Pitman (winning with Corbiere in the 1983 Grand National, and Royal Athlete in 1995) paved the way for her success. They both dared to do what hadn't been done, to train a Grand National winner, despite the challenges and naysayers that paved the way to that lofty goal.


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Michael lives 5 miles from Goli Hospital which is his nearest health facility. He travels to Goli on bicycle on a regular basis. Michael told us:
"I believe I am probably over 60 years old but I do not really know my age. One of the most difficult things about being old is that your body is not as strong as it is in your youth. So you need to visit a doctor more often but when the hospital is a far distance, how can an old man reach the hospital?"
"I was diagnosed with high blood pressure and as a result I have to regularly come to Goli Hospital. I have been attending Goli for over 5 years and they continue to monitor and check by condition."
"I used to come every week but now I only need to come every 3 months for a check-up. But I cannot imagine travelling the 14 miles to Yei; the 5 mile journey on bicycle to Goli is difficult but travelling to Yei would be impossible."
"The people who work here are very good; they are concerned about the patients. They give the treatment and health advice and they take it seriously. I am very grateful that Goli is here to help me in my old age, otherwise I would have no option but to stay at home and suffer in my condition."


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What are you looking for?
Gérard Schneider (1896 - 1986)
CompositionRequest Viewing
Gouache on paper laid down on canvas
74.4 x 103.8 cm (29 ¹/₄ x 40 ⁷/₈ inches)
Signed and dated lower right, Schneider 74
Born in 1896, the Swiss artist Gérard Schneider was a major proponent of the Lyrical Abstraction movement, together with artists such as Wols, Pierre Soulages and Hans Hartung. The movement was developed parallel to the development of Abstract Expressionism in the US, pioneered by artists Paul Jenkins, Norman Bluhm, Sam Francis and Ellsworth Kelly, among many others.
Lyrical Abstraction emerged after the Second World War as a counter-movement against Cubism, Surrealism and Geometrical Abstraction, and represented a movement towards the possibility of painting being open to personal expression.
His works were displayed in the Louis Carré Gallery, Paris, in 1950 and from 1955-1960 at Koots Gallery, New York.
Schneider's works can today be found in the collections of major international museums including the Centre Pompidou in Paris, MoMa in New York, the Phillips Collection in Washington, the Museum of Fine Arts of Montréal and the Modern Art Museum of Rio de Janeiro, as well as private collections worldwide.
A catalogue raisonné of his works on canvas is currently in preparation by Laurence Schneider, the artist's daughter, and Patrick Gilles Persin.


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ACCA Proudly Supports the 2016 International Women's Day
Today, ACCA has got 455,000 students all across the globe and who are working hard in order to become professional accountants. 54 % of them are currently female that is a growing percentage from one year to another. This is almost 0.25 million women who are working towards attaining a professional qualification. From ACCA's standpoint, it is clear that the pipeline of ambitious and motivated young women who are looking forward in embarking in a business career has never been healthier that it is today. This is the reason why ACCA should do anything within their power in ensuring that the path towards the top is open and clear to each of them.
On 8th March 2016, it was International Women's day and many wonderful examples of the work done across the globe was showcased in order to promote great diversity. ACCA indeed practice what they preach. In fact, 64 % of all staff are female and especially that this ratio continues as people move with them through their careers since 64 % of all managers are also women.
There is still a lot that has to be done. There are only 22 % of women who are representatives of the leaders worldwide. Only a weekend earlier, a report released established that the basic salary of a female accountant is only 83 % of what men get awarded. These are hard statistics because research continuously shows that diversity is good for business at large. It is in the interest of everyone to close the gap in gender pay and get more women in leadership positions. It is the ambition of ACCA to ensure that when all the 455,000 ACCA students become qualified, the inequality of these types of statistics will never be heard of again. However, action has to be taken now for this to happen.
Everybody must work in order to ensure that the leadership path is clear through making career opportunities more visible to women. From the time a woman starts her working life, she should be accorded every opportunity in developing and progressing the farthest she can reach throughout her career. Where possible, culture change must be speeded up with progressive corporate policy where possible.
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Last News
- ICAEW Unveils Business and Finance Professional (BFP) Designation
- CIPFA gets Approval from the Government to provide Apprenticeship Training in the Country
- Recent ACCA Report on the Increasing scope of Shared Services
- Book Accelerator Program released by Bill.com
- ACCA Proudly Supports the 2016 International Women's Day
- ACCA and KPMG Study establishes that business Chiefs Still follow their Hearts and not Heads
- Exploration of Future Challenges that the Accounting Profession faces conducted by IMA and ACCA


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|Click Here to Apply
Make this summer unforgettable with our FREE 7-week summer program, where you'll learn how to use computer science to make a positive impact in your community while preparing for a career in tech! In the Summer Immersion Program, you'll learn about:
A 7-week introductory computer science course for current 10th and 11th graders (rising junior and senior girls). Each program is hosted within a tech or academic setting in the following cities between June–August. Program dates vary by region, but the exact program dates and locations can be found on the application.
• Atlanta, GA
• Austin, TX
• Bentonville, AR
• Boston, MA
• Charlotte, NC
• Chicago, IL
• Dallas, TX
• Fayettville, AR
• Hoboken, NJ
• Houston, TX
• Irvine, CA
• Jersey City, NJ
• Los Angeles, CA
• Miami, FL
• Newark, NJ
• New York City, NY
• Philadelphia, PA
• Raritan, NJ
• San Francisco Bay
Area, CA
• Seattle, WA
• Stamford, CT
• Washington DC
• Wilmington, DE


text: You will fall in love with this STATELY 2 story home in University Club. All bedrooms have access to a full bath. GLEAMING WOOD floors, and beautiful TRAVERTINE FLOORS in downstairs area, no carpet. Upstairs has new WOOD FLOORS in the GAMEROOM, and new carpet in the bedrooms. The Gourmet kitchen features NEW SLAB GRANITE counters and backsplash, plus large ISLAND, GAS cooktop AND BUTLERS PANTRY. Even the kitchen sink is new! The roof was replaced in 2019. It has been FRESHLY PAINTED neutral colors inside and out. The backyard is huge, and perfect for a pool. New windows were installed across the back and the right side of the house. This beautiful home is ready for a new owner. Seller is providing an OLD REPUBLIC HOME WARRANTY.


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- 5 Beds
- 3 Full, 1 Half Baths
Property TypeResidential – Single Family
SubdivisionChatfield Corners
Listing Date07/06/19
Year Built2005
AreaCotton Ranch and Chatfield Corners
Lot Size0.26 Acres (11,326 SqFt)
Parking2 Car Garage
Property Description
This home has it all. 5 bedrooms and 3.5 baths, or use the lower level as a lockoff and have a 4 bedroom home with rental income! The kitchen is a chef's dream, with black stainless Samsung appliances, a double wall oven, 5 burner stove, 36 inch farm sink, and a ton of counter space. Tasteful finishes incude wood flooring, quartz countertops, reclaimed butcher block counters in the baths, rustic barn doors, and more. This house has style, space, storage, and views. And a lockoff!
Presented By
- Clubhouse
- Golf-Public
- Health Club Membership
- Hiking/Pedestrian Trail
- Pool
- Cable Available
- Cable TV
- City Sewer
- City Water
- Electricity Avail.
- Natural Gas Avail.
- Phone Available
- Satellite
- Trash Pickup
- Forced Air
- Natural Gas
- Dryer
- Washer
Financial Information
4 Beds 3 Baths
3 Beds 3 Baths
5 Beds 4 Baths
We get asked this question a lot. Below is a tool that gives you the ability to see what the market is like in your community. Find out what homes like your own are selling for right in your back yard. Simply enter in your address, choose the proximity of the search and find out market data for other homes that are selling near you.
While we'll provide you with plenty of information, this is a snapshot of your market data and there are real people behind the high-tech and automated tools. If you would like more detailed information or help in understanding the results we are here to help.
Until then, enjoy the tools!
The data relating to the real estate for sale on this website comes in part from the Internet Data Exchange program of the Vail Multi-List Service, Inc.
Copyright © 2020 Vail Multi List, Inc. (VMLS). The information displayed herein was derived from sources believed to be accurate, but has not been verified by VMLS. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers' personal, non- commercial use. Any republication or reproduction of the information herein without the express permission of the VMLS is strictly prohibited.
Listing courtesy of Fortius Realty


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In the milling process, this kratom is cooked down naturally to deliver a potent punch of Indonesian Power! We've encapsulated this blend as the powder form is quite stout!
Remember, it is important to understand proper dosing techniques.
1. Usage Aroma Therapy: I suggest starting small with a little over 2 grams which is equal to about a level teaspoon (if you do not have a scale). After the initial dose, wait 30 minutes and adjust so add another gram and a half and you should start feeling the effects if you haven't yet. It is also recommended to do this on an empty stomach so make sure you don't eat a huge breakfast before doing your kratom dose.
There are a number of good sources about how to use Kratom online, including Kratom Warriors and on dosage.
Terms of Use: We DO NOT sell any of our products with any medical claims. ** This product is not intended to treat, cure or prevent any illness or disease.
- Our products are not intended for use by pregnant or nursing women.
- Please consult your doctor if you are taking any other medications to check for potentially unsafe interactions
- Do not consume alcohol while taking kratom
- Not for sale to persons under 21.
- Our product is sourced from only the best places, naturally and 100% unadulterated
As a member of the American Herbalist Guild, we have done a lot of research on the positive uses of kratom. Please don't hesitate to reach out with any further questions.


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Download our All Government Jobs Android app to get updates on your mobile.
Garden Reach Shipbuilders & Engineers Ltd, abbreviated as GRSE, is one of India's leading shipyards, located in Kolkata, West Bengal. It builds and repairs commercial and naval vessels. Presently GRSE has also started building export ships in a mission to expand its business.
GRSE Recruitment 2019
Last Date 17 January
Employment Type: Central Govt Jobs
Total No. of Vacancies: Various
Job Location: All Over India
Name of the Post:
- Supervisor (Mechanical)
- Supervisor (Electrical)
- Supervisor (Civil)
- Supervisor (Sr. Hindi Translator)
- Applicants who have completed Diploma / Degree or equivalent from a recognized Institute for GRSE Recruitment 2018.
Age Limit:
- Maximum Age Limit: 32 Years
Pay Scale:
- Supervisor (Mechanical/ Electrical/ Civil): Rs.23,800-83,300/- PM
- Supervisor (Sr. Hindi Translator): Rs.25,700-90,000/- PM
Selection Procedure:
- Written Exam
- Interview
How to Apply:
- Eligible & Interested candidates can Apply Via Online In Official website page at www.grse.in GRSE Recruitment 2018.
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text:
Thursday, March 27, 2008
Friday Snippet, March 28, 2008
Anyway, this passage from an old work speaks to me of that same tired feeling. Maybe next week I'll have something new.
Please don't quote or repost anywhere. A first draft, and subject to change.
"The meaning of my life got lost somewhere between the moments, Carlie," her mother said. "I can't find myself anymore."
Carlie stared at her mother, watched while her mother's claw-like hands plucked restlessly at the dingy hospital sheets. Hospital white wasn't the clear, pure white of snow, Carlie thought, but the off-white of the used and abused.
"You're not lost, Mother," Carlie said. "You're right here, in this bed, in this hospital, right now."
Her mother's vacant gaze caused Carlie to look away. The lucid moments came and went with greater frequency now. Dr. Fanning had said it wouldn't be much longer.
"No, I'm lost," her mother said. "If you forgive me, I might know where to look."
Carlie opened her mouth, but the words wouldn't come. She tried to force them past her teeth, but all she did was let out a hiss of breath.
The flash of movement at the door caught her eye. Dr. Fanning stood in the doorway.
"And how are you fine ladies today?" he asked, voice cheerful in that false way some doctors have about them when talking to the walking dead.
"You tell me, you're the doctor," Carlie's mother said.
"Now, Mrs. Andrews," he said. "I'll let you know the results of your tests when I get them back from the lab."
"Don't call her that," Carlie said involuntarily.
Dr. Fanning raised a quizzical eyebrow.
"Don't call her Mrs. Andrews."
"Why not, Carlie?"
Carlie paused, said nothing. Somehow "because my father's been dead for years" didn't seem to be an adequate explanation.
"You can call me Annie," her mother said. "That's what people used to call me." Her voice was wistful.
"Feeling pretty good, are we?" Dr. Fanning asked.
"Not so good. I hurt," she said.
"Let's check your heart, Annie," Dr. Fanning said, pulling a ubiquitous stethoscope from under his coat.
Carlie slipped out, as much to escape as to give them privacy.
Long, empty corridors stretched on either side. It was so quiet the susurrus of the air conditioners sounded like wind sighing in the trees. It must be later than she thought. Hospital halls were rarely empty.
Carlie made several turns around the halls, moving around her mother's room in a big circle, as if tied to a pole. The night shift nurses looked up as she passed their stations, and then dropped their eyes to the tasks in front of them, disinterested.
She found herself back at the door of her mother's room. Annie slept fitfully, hair spread over the pillow. Carlie noted that it needed combed. She supposed that the funeral people would comb it. That was when the pain hit her, and she gasped aloud, startling her mother awake.
"What is it?" Annie said, fretful. "Who's there?"
Carlie stepped back, turned, and fled to the bathroom down the hall. She lost the contents of her stomach, and leaned against the cool metal wall of the stall, and concentrated on just breathing.
Eventually, she made her way back to the sitting room not far from her mother's room and lay down on the couch. She dozed. A hand touched her shoulder and she startled awake. One glance at Dr. Fanning's face told her it was over. She had slept through her mother's last moments.
A bubble of hysterical laughter tried to break free, but Carlie ruthlessly dug her nails into the palms of her hands until the impulse to laugh disappeared. No use giving the hospital staff the impression she might be as insane as her mother.
6 comments:
- Jen said...
*hug* I hope the tired feeling goes away really soon.
This snippet was kind of sad. I wonder what made Carlie sick all of a sudden. Strange...
- March 27, 2008 at 9:54 PM
- IanT said...
Great first line; and a well-observed bleakness to the whole piece.
Not the sort of thing I'd read for pleasure or to cheer me up, though. :-)
- March 28, 2008 at 4:58 AM
- Joely Sue Burkhart said...
Whoa, very powerful. I hope you feel better soon. Give yourself a few days, but don't wait too long. Hopefully some sunshine and warmer weather will help!
- March 28, 2008 at 1:14 PM
- Gabriele Campbell said...
That's so sad and makes one wonder what caused the rift between daughter and mother.
I'm glad I was there when mine passed the threshold.
- March 28, 2008 at 6:28 PM
- Ann said...
Powerful scene. I hope you feel better soon.
- March 28, 2008 at 8:00 PM
- Noel said...
That was great cheryl. hope you get the well deserved rest you need. hey do you know dan from safeway? he's been asking for you. anyway come see us soon. take care! noel
- April 3, 2008 at 9:21 PM


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(NEW YORK) — Donald Trump is the president-elect of the United States.
At approximately 2:45 a.m. ET, Hillary Clinton called the Republican nominee to concede the election, after a night of watching her path to victory disappear in what many pundits are already calling the biggest upset presidential election in U.S. history.
Just after 2:00 a.m., Clinton campaign chairman John Podesta told supporters at the Javits Center in New York City, where Clinton was camped, to go home, having already announced Clinton wasn't ready to concede until all votes were counted, and telling them, "we're not going to have anything more to say tonight."
However, with only a handful of states remaining to be called, and Trump leading in all of them, Clinton soon after telephoned her rival to concede, just as Pennsylvania was called for Trump, giving him 265 electoral votes to Clinton's 218 — just five shy of the 270 needed to win the White House.
In the end, it came down to white men and rural voters, who cast ballots in record numbers for Trump — even more than pollsters predicted. Those men helped Trump win the battleground states of Florida, North Carolina, Ohio and Pennsylvania, states that were believed to be within Clinton's grasp.
As Tuesday night became Wednesday morning, paths for Clinton to secure 270 electoral votes became fewer. By 2:00 a.m., only New Hampshire, Pennsylvania, Michigan, Wisconsin, Minnesota, Pennsylvania, Arizona and Alaska remained to be called, and Clinton bowed out.
At Trump HQ at the New York Hilton, Trump running mate Mike Pence took the stage at 2:45 a.m. to thank supporters and introduce Trump, who was accompanied by his family and top staff, as well as former New York Mayor Rudy Giuliani.
ABC Breaking News | Latest News Videos
The president-elect began by acknowledging Clinton's concession call and paying her a rare compliment for her service. "I congratulated her and her family on a very hard fought campaign. I mean she fought very hard," said Trump.
Calling his win "our victory," Trump declared, "Now it's time for America to bind the wounds of division. We have to get together."
Trump promised to "fix our inner cities and re-build our highways, bridges, tunnels, airports, schools hospitals — we're gonna rebuild our infrastructure." He also said he would "harness the creative talents of our people, and we will call upon the best and brightest to leverage their tremendous talent for the benefit of all. It's gonna happen."
One of the first congratulatory calls to the president-elect came from House Speaker Paul Ryan, who endorsed Trump but refused to otherwise support his party's nominee. In a statement, Ryan said the GOP is "eager to work hand-in-hand with the new administration to advance an agenda to improve the lives of the American people. This has been a great night for our party, and now we must turn our focus to bringing the country together."
Copyright © 2016, ABC Radio. All rights reserved.


text:
Re: [MSU Sitemaps] Google Indexing: URLs not followed
Errors for URLs in Sitemaps (38) HTTP errors (0) Not found (1) URLs not followed (40) URLs restricted by robots.txt (0) URLs timed out (0) Unreachable URLs (0)
They are listed as redirect errors from the original zen id url. I have the latest MSU Sitemap installed and my robots.txt reads as follows:
User-Agent: *
Allow: /
SITEMAP: http://2beadsandmejewelry.com/sitemapindex.xml
SITEMAP: http://2beadsandmejewelry.com/sitemaps.php
I am not sure what to do next. Thank you in advance.


text:
The bluesy, guitar-led rock of ZZ Top resounded around the Duncan Showroom as the Victoria-based band Eliminator came to town on Jan. 5.
Lonnie Glass, who spent many years with the tribute group, Tres Hombres, whose devotion to the music led ZZ Top to sanction their efforts, has relocated to the Island and now is back playing the music he loves.
Showroom owner, Longevity John Falkner, watching the group and thinking ahead, shared during the intermission that he thought Eliminator would make a great Thursday night City Stage act for The 39 Days of July.
So, watch this space for more news on that front.
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text:
| Message Wall:TOR
My name is Lucas 'TOR' Garczewski. I am a proud member of Wikia's daring technical team and work to make your wikia experience ever more smooth and enjoyable every weekday (since June 1, 2007).
My work at Wikia
Currently, I take care of all those little things and not-so-little bugs that need fixing. I also try to help the Community Team by giving them tools that make their jobs easier, faster or both. Got a bug for me? Use our Contact form to report it.
As Wikia keeps growing, it's inevitable that every now and then something explodes, and I try to un-explode it as fast as possible, as part of our emergency response team.
I'm also responsible for importing new wikis and mergers of existing wikis with those of communities wishing to join the Wikia family.
Of course, in such a vibrant company as Wikia, you can never know for sure what you're going to be working on next. Which I find to be incredibly cool… Most of the times. :)
A little bit about me
I am 26 years old and live in Poznań, Poland.
When not working on fixing the next unexpected bug, I enjoy s-f & fantasy fiction, RPGs (the pen & paper variety) and cloak & dagger films, among other things.
Wikis I edit
Game of Thrones Wiki
Winter is coming. And so is the best
TV show ever.
Eberron Wiki
Indiana Jones meets Lord of the Rings – simply awesome!
Forgotten Realms Wiki
One of the richest RPG settings in history!
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text:
Wizz Air adds flights from Kyiv to Bremen, Riga, Billund, from Lviv to Copenhagen, Frankfurt-Hahn
The destination map of flights of Hungary's low cost airline Wizz Air from Kyiv has been expanded by three new destinations – to Bremen (Germany), Riga (Latvia) and Billund (Denmark) where the Legoland center is located, as well as flights from Kyiv to Copenhagen (Denmark) and Frankfurt-Hahn (Germany).
According to a posting on the airline's website, flights to these cities will be launched from March 2019 (to Frankfurt-Hahn from December 14, 2018).
Two flights a week to Bremen and Billund will be serviced and three to Riga.
The cost of tickets to Billund and Riga starts from UAH 449 in March and UAH 909 later on less convenient working days, and from UAH 1,509 on weekends, to Bremen – from UAH 909 on working days and UAH 1,209 on weekends.
Thus, the total number of Wizz Air's destinations from Kyiv would reach 26, including nine to Germany and two to Denmark.
In addition, flights from Lviv to Copenhagen will be serviced on Wednesdays and Sundays from March 3, 2019, flights to Frankfurt-Hahn – on Mondays and Fridays from December 14, 2018. The prices start from UAH 759.
Wizz Air also plans to increase the number of flights on the Kyiv-Lisbon route from two to three.


text:
This comic has been discontinued. However, the archives are still here to read.
(April 29, 2008) I'm slowly changing the website to make it look nicer. Be patient, the archives will catch up to the front page eventually. I removed the vote buttons because lawlz who votes for this comic? Even I vote for Dreamland Chronicles.
To newcomers: Hello, and welcome. This is a PG-13 fantasy/drama comic chronicling the life of the titular character, Tivik. The original run was finished in 10 chapters in 60 pages. Pages 61+ take place in chronological order, but during the first sixty, and fill out the story quite a bit as I add in previously omitted scenes.
Art, characters, settings, and names are all copyright to me, Joelle Dresden Haskell.


text:
Sponge painting ideas are quite interesting and unique to create color combinations as techniques to create texture decorating styles just like what you can see on this post's pictures as examples. Sponge painting techniques are popular these days that firstly applied for abstract painting styles to create unique styles of painting. When it comes to modern contemporary painting techniques ideas that are popular based on latest trends, sponge painting is certainly interesting by apply into walls. It is included I to one of most impressive texture painting ideas that you can apply based on your personality pouring to create quite enchanting wall colors in your home.
Sponge Painting Ideas for Walls
Sponge painting techniques offers quite simple way in getting the wanted design and style for painting onto walls in your home spaces. You can try to apply rag painting ideas that are quite easy to do even by yourselves who never tried it before. Sponge painting for walls will be creating unique and attractive decorating styles into background especially art room to make sure in matter of enjoyable atmosphere at high value of unique and attractive decorating styles. There are quite popular sponge painting techniques available such as texture painting and faux painting that each one of them offers quite interesting style and pattern. Just check on pictures in this post about sponge painting ideas to choose from and apply based on your very own preferences to start your own personal taste.


text:
UK [updated 5 October]: US domestic truck and SUV sales plunge in September
Sales of domestic brand pickup trucks and SUVs in the United States plunged in September, according to numbers crunched by just-auto analyst Bill Cawthon.
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text:
With another presidential debate on last night, this quote is pretty relevant, don't you think? So, who is making plans and promises? And who is providing faithful service? Of course, as both candidates stated, we need to "look at what the records show."
What do your records show about you and the promises or plans you've made? Are they self-serving lofty dreams?
Don't forget the small things we can do to serve. Serve ourselves, our friends, family, neighbors or community.
With the pleading of my 9-yr-old son, I began to serve the young writing community. I started a volunteer writing workshop for young writers, providing them a safe place to express their creative voices, share their works and learn the techniques to improve their craft. They had a blast! They wanted to barricade the door so their parents couldn't drag them home. Talk about the satisifaction of working for FREE!
Well, that 4 wk summer workshop turned into a year long invitation to teach. And…that turned into a paying opportunity.
I'm still volunteering, but also offering a more intensive Saturday workshop in the Downers Grove, IL area, beginning Oct 18-Nov 15. If you have a young writer who may be interested, please click here.
If you have tips of your own or questions on how to give back – drop me a line! "It takes a village…right?"


text:
Storage Shoe Bench Shelf – If you're like most of us, there are two things that you can't get enough of storage and outside seating. What if I told you that I have the perfect solution to solve both of these problems and that it comes from a stylish, hard to resist bundle? The reality is that by employing storage chairs to provide comfortable outdoor seating you can solve your storage problems too. Do you just simply not have the space to keep those table cloths after the family gathering is over? Simply tuck them away in your storage bench and they'll be handy the next time you want them.
And there are so many styles of storage chairs available that you'll be sure to locate the perfect piece to match your current décor, personality, and budget. Whether your outside space is diverse, formal or country, there is a storage bench for you. You may pick from popular styles like American, Nantucket, and Bridgehampton, just to mention a couple. Take for instance that the American Storage Bench that's lovingly crafted using only the finest Western Red Cedar. This classically styled bench is equally comfy and exquisite in its own natural beauty.
shoe cabinets diy expert
Can you want something a bit more customizable? This storage bench features heavy structure and generously scaled pieces crafted from Southern Yellow Pine. You can select from eye-catching colors like lime, tangerine, and canary or even more classic colors like white, mint green and sunny yellow.
shoe bench storage good
This storage bench is also available in 28 colors and four finishes and can be hand crafted out of kiln-dried pine which makes it a bench that's unsurpassed when it comes to comfort and course. No matter what style you would like, you'll be sure to obtain the perfect bench to fit your space and one that will not bust your budget. With the price of most storage seats hovering at approximately $400, you can afford whatever your heart desires.
And these chairs are so durable, many last for decades, that it gets the money that you invest in outside storage seats worth every last penny. So stop worrying about where you're going to save all of your outdoor accessories that seem to just keep getting piled up in the garage door. You can even stop worrying about not having anywhere for guests to sit during your next outdoor gathering. What's there to worry about? You can solve both of these problems using a stunning and practical storage bench.


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70% of the specialists are confirming: education can be improved through eLearning
The new teaching-learning methods help pupils develop the skills necessary for the information society
Bucharest, 21th October 2011 - Using IT- based solutions for education is beneficial and generates positive effects over the entire society - say the education specialists. The eLearning solutions cover the needs of the entire education system, providing useful instruments for all the levels - from the decision makers in ministries, up to pupils, teachers, parents and even the large audience. The learning methods based on eLearning succeed in adjusting the education process to the pupils? actual needs and provide access to relevant and updated information.
These conclusions are based on a study carried out within the event eduVision 2020, attended by: ministers of education, ministerial councilors, school inspectors and school managers, academics and teachers from 25 countries.
The survey, conducted during the conference, has focused on getting key information on the modality in which the eLearning solutions can improve the education process and the current problems encountered in the implementation of IT solutions in education.
In this respect, 70% of the respondents have agreed that eLearning can improve the education process, and is facilitating active learning, while 50% say it represents an efficient, flexible and indispensable instrument.
The most important benefits brought by the training through eLearning are considered by the specialists to be, as follows: development of individual and team work skills, development of abilities of analysis and synthesis of information and the capacity to apply in practice the theoretical knowledge learnt in school. These skills are considered to be acquired due to the courses content - by 91%, the informal training 92%, indirect training 70% and for collaborative training - 84%. In short, the specialists consider that eLearning is fully meeting the requirements of the labor market and the modern society and help in creating several economic and social opportunities, at local and global level.
The education specialists participating in the study consider that in recent years several changes have taken place at the level of the education system in the country they represent, most of them to the better. At global level, eLearning plays a more and more important role in education, while the consequences of introducing the new technologies in school bring major results, helping to the development of the whole society.
"eLearning has become a very efficient and instrumental tool in the education process. Its vocation is a pedagogic one, namely to help the teacher deliver information in a manner as complete and attractive for the pupil as possible. The current trends innovate and improve education, by introducing in the classroom the multi-touch devices, the tablets and even of the three-dimensional education content, innovations received with enthusiasm by the pupils and teachers", has stated Radu Jugureanu, eContent Manager SIVECO Romania.
Within the conference eduVision 2020 have been debated the trends in information technology applied in education and have been presented successful projects of introducing IT, in countries such as: Romania, Republic of Moldova, Cyprus, United Arab Emirates, Egypt, Azerbaijan, Malta, Morocco, Algeria and Serbia.
The conference was organized in the period 16-17 September, in Bucharest , by SIVECO Romania Agora Group, under the patronage of the Ministry of Education, Research, Youth and Sport and the Ministry of Communications and Information Society.


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IRA "considering" Sinn Fein leader's call to abandon violence
The Irish Republican Army (IRA) on Thursday said it was giving "due consideration" to a call from Sinn Fein leader Gerry Adams to abandon armed struggle and use democratic means to resolve disputes.
The IRA has degenerated into a band of thugs, nothing more or less than Northern Ireland's own version of the Mafia. This isn't about a stupid (see more on that below) political struggle anymore; it's just about their livelihoods as criminals.
The irony is that Sinn Fein ought to be disbanding, or at least moving on, also. This political fight is pointless. With the growing relevance of the European Union, free trade, open borders and shared human rights agencies and courts, deciding whether Northern Ireland will be part of Ireland or part of the UK is like deciding whether Overland Park will be part of Missouri or Kansas. It's a technical matter, certainly not worth bloodshed and not worth the existence of political parties with that as their primary reason for existing. Nationalism is close to meaningless. (Never mind that it was close to meaningless after several hundred years of back and forth immigration anyway.) Want proof? Look to the devolution of Scotland. It's consequences were considerably less than earth shattering.
Religious freedom is guaranteed no matter what happens; the only threat to religious tolerance comes not from government but from thugs in the IRA and to a lesser extent their Protestant counterparts. The real irony is that the conservative Catholic and Protestant factions would probably find, as they have in the US, that they have more in common with each other than they do with socialist governments in London, Dublin or Brussels. Of course, the IRA and Sinn Fein are really more closely allied with Marxism than Catholicism, but that's just one more reason they both belong on the trash heap of history.


text:
Axiomatizations of backtracking
Part of the Lecture Notes in Computer Science book series (LNCS, volume 577)
Conference paper
First Online:
- Citations
- 120 Downloads
Goal schemes are terms built from a set of variables (representing goals) and the control structures {false, true, or, and} to which we give a sequential à la Prolog interpretation. We study equivalence relations induced by some interesting classes of elementary goals. We prove that, when goals are allowed to produce side-effects, or when they are restricted to have finite behaviours, there are finite complete axiomatizations that can be used to decide the equivalence of goal schemes. We conjecture that there is no such finite axiomatization in the case of general pure requests.
KeywordsProlog semantics of programming languages foundations of logic programming depth-first search backtracking equivalence of program schemes algebraic semantics
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