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Some people are tired of getting made fun of. Some are tired of feeling useless or unneeded. Some are sick of seeing people laugh at others. I am tired of this. I am tired of feeling worthless, Feeling unwanted. I am tired of never being happy. I am sorry if you believe this is funnyContinue reading SOME, by Riley Bihlman
BULLYING, by Mickala
The words cut deeper Than the blade ever didThe pain lasts longerThen the scars on their wrists They try to shrug it offThey try to make it all a jokeBut every night they chokeBack the tears and painWondering if their lives will ever be the same But that is the gameThat bullies like to playContinue reading BULLYING, by Mickala
Pieced Together, Community Art Installation
~Pieced Together, installation with puzzle pieces, 9′ x 14′, created in collaboration between artists Aaron Anderson, Denese Sanders, Paul Richmond, and community volunteers at Open Ground Studios Pieced Together is a celebration of individuality and community. By departing from the original intended purpose of the puzzle pieces in order to create large portraits of diverseContinue reading Pieced Together, Community Art Installation
YOU'RE BETTER THAN THIS, by May
~You're Better Than This, by May "We all are great but when people bully they are feeling bad about themselves and they need to do something to feel better and that is where bullying comes in."
THE BIRD AND THE ARROW, by Anonymous
~ The Bird and the Arrow, by Anonymous "I have experienced homelessness at a young age. I've seen the darkest and most hateful things humanity is capable of. I did not go to school as a child or fit in. People are cruel, especially young people because they don't have the courtesy of talking behindContinue reading THE BIRD AND THE ARROW, by Anonymous
BULLIES, by SymphonicMaiden
What do you get out of all this name-calling?Is it your life wish to see people falling?They reach out for help, but it only gets worseWhat is all this nonsense, just some kind of curse?It's always the people who are out of the crowdThat always get shoved and pushed aroundDoes it make you feel betterContinue reading BULLIES, by SymphonicMaiden
MIND OF THE BULLIED, by Nicole Tomey
~Mind of the Bullied, by Nicole Tomey "This was a project for school. I had to draw something surreal, I decided to make my version of an antibullying poster. it's in spanish but, the words are all insults that stereotype young people.And the message is that the brain is like a computer and although theContinue reading MIND OF THE BULLIED, by Nicole Tomey
BULLYING, by CrazyNightDemon
~Bullying, by CrazyNightDemon She was just one of those students that whenever she enter their school… she felt like it's hell. like a game being chased that she tries hard not to be catch or else she'd be dead. everyday she encounter different kind of bullying that she wish soon it will be gone.
BULLY, by Emily the artist
~Bully, by Emily the artist "You stand there in front of meThrowing your taunts and insultsOne day one damn day you'll seeI'll put an end to your systematic cults" "Blood on your hands, mineRage in your heart, yoursYou should have read the signs You should have closed those doors" "I'm not playing nice anymore I'mContinue reading BULLY, by Emily the artist
SCHOOLDAYS, by Sean O'Donovan
When first I walked to school I had no cares, I yearned to bein company with those who could recite their ABC.But I knew no-one there – of staff and pupils just one otherchild's name did I know. He was my elder brother. We learnt the rule of silence there. We did not talk inContinue reading SCHOOLDAYS, by Sean O'Donovan


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Lalit Shastri
Year 2018 marks 100 years since Nelson Mandela's birth.
In February 1990 the South African racist regime was left with no option but to free Mandela, a giant of a leader, living legend and symbol of the revolutionary struggle for a non-racial, democratic South Africa.
With the announcement of the release of Mandela, who had remained a prisoner of apartheid and had spent 27 years of incarceration in the fascist goal, a new chapter was opened in the long and bitter struggle by the majority of South African population against apartheid, racism, exploitation, cruelty and terror.
Mandela's release was treated as a major victory of the South African people, who had rallied around the African National Congress – the nationalist party that derived its main strength from Mandela.
From prison, Mandela had led a a brave and courageous struggle against dehumanisation of the masses of South Africa. His release had opened up the new road to a non-racial South Africa. The then South African president De Klerk, who had ordered Mandela's release and the racist ruling circles had done no favour to Mandela or the struggling masses. In fact the decision to release him was a direct culmination of the mass struggle and and the armed fight by the black majority that rallied around the ANC and was having full support of the international community. In fact, international pressure had its own role in putting pressure on De Klerk to open the prison gates.
A few months before his release, in October 1989, the ANC had warned the South African Government that it should unconditionally release , Mandela and hundreds of fighters who had been imprisoned for taking part in the struggle to end the ban on all people's organisations. Of these demands, only on two major counts, the racist South African regime had paid any heed and it had responded by lifting the ban on ANC to prepare the stage for the release of Mandela.
In this way De Klerk had succeeded in creating an atmosphere of high expectations and intentions to arm the apologists of the South African regime to stave off more sanctions and the growing isolation of the regime. In this way, De Klerk could also defuse militancy and defiance of the majority through direct offensive that was witnessed on the roads of Pretoria and other parts of South AFrica soon after Mandela's release. the continuing mass detentions, assassination of trade union leaders and harassment of sections of the mass democratic movement betrayed the regimes true intentions.
In the euphoria of Mandela's release, apartheid continued to be in its place while scores of those fighting against apartheid continued to languish in jails. in those circumstances apartheid in all its manifestations remained in place.
The 1989 Tricameral elections in South Africa will be remembered nor fir the reverses suffered by the National Party but for the strikes , boycotts and the barricades,besides the fact that the South African people had voted for freedom, democracy and non-racialism. Even De Klerk, in his inaugural speech at that point of time had said that no white minority regime possessed either the will or the capacity to bring about fundamental changes in South Africa.
In this backdrop, the anti-people policies of the South African racist regime did not last long.
Mandela was released from prison on 11 February 1990 and was separated in 1992 from his wife Winnie Mandela, a South African anti-apartheid activist and politician who had served on the ANC's National Executive Committee and headed its Women's League. She was accused of exerting a "reign of terror", and was "at the centre of an orgy of violence in Soweto.
South Africa has traveled a long road since the release of Mandela from prison in 1990. Recently South Africa was rocked by news about the Gupta family, that was counted among the richest in South Africa. The controversial family of the Guptas was more infamous than famous for its close ties with former President of South Africa Jacob Zuma and his family. The family was charged for racketeering, money laundering,and benefiting from the proceeds of unlawful activities, and acquiring, possessing or using the proceeds of unlawful activities in terms of the Prevention of Organized Crime Act (No. 121 of 1998); and submitting false, or untrue, tax returns in terms of the Tax Administration Act (No. 28 of 2011). The Gupta empire blew up with Zuma's exit from presidency in February 2018.

subset: commoncrawl


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I have received some exciting news this week. For most of summer, I have been beavering away on applications and planning an overseas lighting adventure. This week I found out I have been accepted to the Banff Centre Summer Work Study program, to work as a Lighting Assistant on their Opera Program. So, the overseas study tour is shaping up to be quite a little adventure.
I will be starting out in New York in May, attending the Broadway Lighting Master class (the final part of my ArtStart funding), off to Prague in June for PQ (Prague Quadrennial) and then to Banff for July-August.
There are still plenty of things to keep me busy until I go. These are the Isolate is still showing at Theatre Works until the end of the week and I am also currently working on The Laramie Project: 10 Years Later – which is being produced by Red Stitch opening in April.


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Hugo Chavez and Viktor Yanukovych: the beginning of friendship?
On 18 October the President of Venezuela, Hugo Chavez, paid a visit to Kyiv. The talks mainly concerned expanding economic cooperation. Ukraine and Venezuela are supposed to prepare a plan for bilateral cooperation which will probably be signed during a visit by Yanukovych to Venezuela, planned for the beginning of 2011. The expansion of this cooperation is also to be helped by the opening of a Venezuelan embassy in Kyiv. Chavez declared his readiness to allow Ukraine into the exploitation of Venezuelan oil and gas deposits. However, this will be difficult to bring about in the immediate future because of Naftogaz' financial situation. No information was given on the subject of possible arms deals, which Ukraine has been interested in.
The realisation of a plan to deliver Venezuelan oil to Belarusian refineries via the Odessa-Brody pipeline seems increasingly likely. Currently these deliveries are being made by rail, but at the end of November, 80,000 tonnes of oil is to be sent as a test via the pipeline. In 2011, Ukraine is ready to transport 9 million tonnes of Venezuelan oil via the Odessa-Brody pipeline and the Druzhba pipeline section to Mazyr. At the same time, it has announced that port charges at the Pivdenny terminal will be halved. The reversal of the pipeline, through which Russian oil currently flows from Brody to Odessa, has been justified by a fall-off in TNK BP's interest in using it. It was initially stated that 9 million tonnes of oil would be transmitted annually, but over the first nine months of this year only 2.8 million tonnes were sent, and in June and September transit was halted completely. Previously, Russia had effectively blocked the use of the pipeline in the Odessa-Brody direction; currently, it seems that no such actions are being taken, although the Russian energy minister Sergei Shmatko has demanded that technical agreements concerning the use of the Druzhba pipeline section be made. <AnG>


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The best things to do in Milton, top professionals, and exclusive Milton real estate for sale.
Easily navigate to the best places to visit in Milton. Explore the nearby community via breathtaking pictures and videos from your desktop. Check out the latest events in Milton from your mobile device. Plan weekend trips with a few clicks or screen taps.
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Using the Andersen Behavioral Model of Health Services Use to Examine Adult Uninsured Patient Health Services Use at a Community Health Center
Date of Award
Winter 2010
Document Type
Degree Name
Doctor of Philosophy (PhD)
Health Services Research
Committee Director
Qi Harry Zhang
Committee Member
Elizabeth F. Giles
Committee Member
George Maihafer
Prescription medications are essential to the treatment and management of chronic conditions (Smith et al., 2005). Lack of access can result in pain, worsening of the condition and increased risk of additional health problems. Health care expenditures in the United States were reportedly 1.7 trillion in 2003 (Smithetal.,2005) and exceeded" role="presentation" style="box-sizing: border-box; display: inline-table; line-height: 0; font-size: 16.66px; overflow-wrap: normal; word-spacing: normal; white-space: nowrap; float: none; direction: ltr; max-width: none; max-height: none; min-width: 0px; min-height: 0px; border: 0px; margin: 0px; padding: 1px 0px; position: relative;">1.7trillionin2003(Smithetal.,2005)andexceeded1.7trillionin2003(Smithetal.,2005)andexceeded2.3 trillion in 2008 (Centers for Medicare and Medicaid Services, 2010). Prescription medication costs constitute a significant burden for patients who are uninsured and managing chronic conditions and links to the likelihood of medication non-compliance (Piette, et al., 2006; Reed, 2005; Solomon, 2005).
To enhance its chronic disease management model for uninsured patients diagnosed with chronic conditions requiring prescription regimens, a local community health center added a pharmaceutical access component to its health care delivery model.
The purpose of this research was to test the ability of the Andersen Behavioral Model of Health Services Use to model health services use among adult uninsured patients managing physician-diagnosed chronic conditions. Andersen's original Behavioral Model of Health Services Use, developed in the 1960s, suggests individual health behavior patterns are based on predisposition to care, factors that impede or enable the use of care and overall need for care (Andersen, 1968).
This research documents particularly the independent contribution of increased access to prescription medication as an enabling resource. This study employed a longitudinal, quasi-experimental design covering a period of 90 days. There existed no random assignment or random selection. This project yielded 100% follow-up (N=427). Of the 427 participants, 61.6% (n=263) participants qualified for the stop-gap medication program offered by the host community health center. Participants who were not eligible for stop-gap medications were more likely to have a telephone encounter, physician/nurse triage visit and an emergency department visit during the follow-up period than participants who were eligible for stop-gap medications. For all four clinical outcomes, the mean follow-up readings were lower than the mean baseline readings for participants who had access to stop-gap medications. The largest predictor of a positive change in outcomes was access to stop-gap prescription medications when controlling for population characteristics and health behaviors.
Recommended Citation
Goodman, Jewel S..
"Using the Andersen Behavioral Model of Health Services Use to Examine Adult Uninsured Patient Health Services Use at a Community Health Center"
(2010). Doctor of Philosophy (PhD), Dissertation, Health Services Research, Old Dominion University, DOI: 10.25777/989s-j536


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Steve Page Event Lighting and Projection Hire, Dundee
Pratis Farm, Fife
The adjoining barns offer a variety of looks for event, we are pleased to have installed a range of lighting hire services, including:
and more! If you're planning an event at the farm then please do get in touch and let us know your date and thoughts on how you want your event to look.
View Examples of our work at:
Atholl Palace Hotel, Pitlochry
All images on this website are subject to copyright and may not be used in any form without the express permission of Steve Page
Dundee Central Lighting Hire, Dundeecentral Lights; Steve Page Event Lighting Hire, Steve Page Dundee; Steve Page;
Pratis Farm near leven in fife - also known as Pratis Barn
Event Lighting Hire, Outdoor Lighting, Lights hire; spotlight hire
Fairy Light Hire comprising fairy light curtain hire, fairy light roof hire, fairy light canopy hire or just fairy light strings - all available in warm white colours;


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Tuesday 3rd May
Smile for me, my darling, sweet Angel
Shining like the brightest diamond.
Twinkling as vividly as you are able
When I look up to the dark night sky.
As we walk in our slumber of dreams
Holding hands and laughing gently
The moon sends down glowing beams
That light our way to true happiness.
Closing my eyes, listening to my heart
I sense the beating, yours and mine
And now I know we'll never be apart
You're safe, my beloved starlight boy.


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GTR Asia Trade & Treasury Week4-7 Sep 2018
GTR's Asia Trade & Treasury Week returns to Singapore at Marina Bay Sands on 4-7 September 2018, reflecting on a momentous year for global trade, with Asia very much at the forefront of developments.
Firmly established as the largest international event in the trade, treasury and commodity finance market, this flagship event is set to welcome over 1,000 delegates, enjoying the full support of Enterprise Singapore and the Ministry of Trade & Industry.
With trade now in the headlines more than ever before and with global concerns over protectionism and trade barriers continuing to escalate, this year's gathering will consider both the key risks and primary opportunities from a geopolitical perspective, as well as the ongoing industry discussions over market disruption, new market entrants and the role of technology.
Africa-Singapore Business Forum 201828-29 Aug 2018
The Africa Singapore Business Forum (ASBF) is the platform for promoting business exchange and thought leadership between Africa and Asia.
Organised by Enterprise Singapore, the forum has brought together over 2,000 business and government leaders from 30 countries to develop opportunities and partnerships between these two dynamic regions.
ASBF 2018 will address critical issues and identify opportunities in key sectors, including real estate, oil and gas, digital economy and manufacturing.
The forum will also address the important question of financing when doing business in Africa.
Africa Sovereign Wealth Funds Summit 2018
June 19, 2018
Mr Paulo Gomes and Mr Kelvin Tan, Chairman of the Advisory Board and Secretary-General of ASEACC, attended the Africa Sovereign Wealth Funds Summit 2018 in Ghana. In attendance was H.E. Dr Mahamudu Bawumia, Vice President of Ghana. Panelists included Mr Solomon Asamoah (CEO, Ghana Infrastructure Investment Fund), Mr Mamadou Mbaye (Executive Director, FONSIS, Senegal), Mr Kola Owodunni (Head, Investment Risk, Nigeria Sovereign Investment Authority), Mr Tariq Senhaji (CEO, Ithmar Capital, Morocco SWF), Mr Patrick Shyaka (CEO, Agaciro Development Fund, Rwanda) and Mr Michael Kottoh (Managing Partner at Konfidants).
Singapore - Angola Business RoundtableMay 14, 2018
The Singapore – Angola Business Roundtable organised by Singapore Business Federation (SBF), in partnership with Enterprise Singapore (ESG) and Africa South East Asia Chamber of Commerce (ASEACC), was held on 8 May 2018. The Roundtable was chaired by Mr. S.S. Teo, Chairman of SBF and Co-Chairman of ASEACC, while the Angola Government delegation was led by H.E. Manuel Domingos Augusto, Angola Minister of External Relations.
SMU Presidential Distinguished Lecturer Series: Mr Kgalema Motlanthe - President, Republic of South Africa (2008 - 2009)Oct 9, 2017
South Africa might have emerged from the apartheid oppression in April 1994, but its legacy continues to present itself as a formidable challenge to the state. Illiteracy is still prevalent among millions of adults, and the number of school dropouts is increasing at an alarming rate. In attempts to change this for the better, South Africa has put a premium on education as the only viable socio-economic equaliser and therefore catalyst for change. Will South Africa be able to completely free itself from the shackles of apartheid by using education as a catalyst?
Africa Now ForumOct 4, 2017
Participate in the AFRICA NOW FORUM and take advantage of a real commercial opportunity and visibility. Cameroon, a bilingual country, is a vast market in the heart of Africa and especially the economic lung of Central Africa. Come energize your sales, broaden your networks and communicate your expertise on 19 and 20 Oct 2017 at the Palais des Congrès and have a chance to attend the Africa Espoir Avenir award gala at the Hilton Hotel in Yaoundé, Cameroon.
To indicate interest, please contact Tarik Mounim via email@example.com
NTU African Angle Breakfast Series: Business & Investment Opportunities in the Agri Sector of NigeriaSep 26, 2017
The demand for convenience and processed food is growing in Nigeria. Nigeria's packaging and food processing market is one of the largest in Africa, estimated at about US$545 million. However, the agriculture and agribusiness industry is plagued with numerous challenges including business, infrastructure and regulatory problems. These provide numerous investment opportunities for the Africa-savvy investor. Dr Adefolake Adeyeye, a Nigerian citizen and Research Fellow of the NTU-SBF Centre for African Studies, has researched these possibilities. Joining her to discuss these issues was Mr Venkataramani Srivathsan, Managing Director & CEO, Africa and the Middle East, Olam International Ltd.
Bringing Francophone Africa to the National University of SingaporeJan 16, 2017
Co-organised by Africa South East Asia Chamber of Commerce (ASEACC) and National University of Singapore (NUS), a panel discussion about France and Africa was held at NUS on January 16, 2017. The panellists were Ms Estelle Yousouffa, independent journalist at French television channel "France 2", Mr Kelvin Tan, Secretary-General of ASEACC and Professor Daniel Chan, NUS French lecturer.
2016 ASEACC Annual General Meeting in ShanghaiAug 22, 2016
On 22 August 2016, the leadership and members of the Africa South East Asia Chamber of Commerce (ASEACC) convened at Shanghai, for its Annual General Meeting (AGM). Supported by Pacific International Lines (PIL), the event was co-chaired by Mr. S.S. Teo, Managing Director of PIL Group, and Mr. Jean Kacou Diagou, CEO of Groupe NSIA.
2016 MTI African Journalist Visit ProgrammeJun 15, 2016
As part of the annual African Journalist Visit Programme organized by the Singapore Ministry of Trade and Industry (MTI) in 2016, the Africa-South East Asia Chamber of Commerce (ASEACC) hosted a media brief session introducing the formation and activities of the Chamber and its exclusive member companies to a group of 8 journalists from various leading African business publications. Representatives from Pacific International Lines (PIL) and International Enterprise (IE) Singapore also attended the session.
Doing Business in Africa Megatrends and OpportunitiesAug 24, 2015
Seminar on "Doing Business in Africa: Trends and Triggers", organised in conjunction with the visit of the Centre's Distinguished Visiting Fellow, Mr Paulo Gomes, former World Banker and international business leader.
Okinka African Art ExhibitionJul 22, 2015
The OKINKA African Art Exhibition was officially launched in Singapore, The Art Space at Suntec City Mall on 22 July 2015. It is organized by Mr. Paulo Gomes, Chairman of Advisory Board of Africa South East Asia Chamber of Commerce (ASEACC).
Olam Book Launch – "Amazing Africa"Feb 24, 2015
On 24 February 2015 at the Ocean Financial Centre in Singapore, Olam International, a founding member of ASEACC, held a book launch and sharing session "Amazing Africa – A Corporate Journey". The book was launch in conjunction with Olam's 25th anniversary.
Opportunities in Cote d'Ivoire SeminarNov 6, 2014
The Cote d'Ivoire-Singapore Business Seminar 2014 organized by the Singapore Business Federation was held on 6 November 2014, in conjunction with the visit of H.E. Mr Patrick Achi, Minister of Economic Infrastructure of the Republic of Cote d'Ivoire.
Visit from Cameroon and Senegal Port OfficialsJun 19, 2014
A group of senior officials from Cameroon Douala Port Authority and Senegal Dakar Port visited Malaysia and Singapore on a study tour to interact with companies and public sector agencies for identifying best practices from South East Asia on port management, financing, infrastructure planning, technologies deployment, marketing strategies among others. Mr. Alioune Gueye, the Editor-in- Chief for Afrique Business Journal also joined the visits.
ASEACC Media Brief with African JournalistsJun 5, 2014
As part of the African Journalist Visit Programme 2014 organized by the Singapore Ministry of Trade and Industry (MTI), the Africa-South East Asia Chamber of Commerce (ASEACC) hosted a media brief session with the group of journalists from six influential African business publications, with a combined circulation of more than 400,000 copies annually. Officials from the MTI and International Enterprise (IE) Singapore also attended the media brief session.
Spotlight on Burkina FasoApr 24, 2014
The Burkina Faso Singapore Business Forum 2014, jointly organised by the Singapore Business Federation and the Africa Business Group Singapore, was held on 24 April 2014 at Conrad Centennial Singapore Hotel. The event was graced by H.E. Blaise Compaoré, President of Burkina Faso, who also gave the keynote address. The Chamber sent 4 representatives to attend the event.
Spotlight on Togo and visit to ASEACCApr 14, 2014
The Africa Business Group (AfBG), part of the Singapore Business Federation (SBF) group, organized an awareness seminar on Togo on 14 April 2014. The seminar allowed the Singapore business community to obtain first-hand information on the latest developments and business opportunities in Togo.
Niger-Singapore Business Forum 2014Jan 23, 2014
The inaugural Niger-Singapore Business Forum 2014 organized by the Singapore Business Federation was held on 23 January 2014, in conjunction with the visit of H.E. Mahamadou Issoufou, President of the Republic of Niger.
Visit of Senior Officials from CameroonDec 6, 2013
President of Afrique Challenge in Morocco, Mr. Alioune Gueye, was joined by a district mayor in Yaoundé, a former Member of Parliament of Cameroon, and a senior official from Doula Port Authority for a visit to the Chamber office on 6 December 2013.
Africa Asia Oil Gas Summit 2013Nov 27, 2013
The Africa Asia Oil Gas Summit (AAOGS), held on 27 – 28 November 2013 in Singapore aimed to strengthen the partnership between the two continents in Africa's oil and gas sector. The event brought together policy makers, National Oil Companies (NOCs), International Oil Companies (IOCs), infrastructure and service providers and financiers.


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Graeme Bond
Graeme is the CEO of additive manufacturing specialist company, FDM Digital Solutions. He has over 15 years' experience in additive manufacturing and over 25 years' experience in full 3D design for end year products and full injection mould designs. He qualified with HNC Mechanical Engineering before working with an injection mould manufacturer from manual production to CNC.
Graeme is an industry specialist in integrated device technology in additive manufacturing and the production of flight approved additive manufacturing end use product solutions.
Graeme co-founded FDM Digital Solutions in 2012. The company started with one machine and two employees. Since then FDM Digital Solutions has grown to be one of the largest additive manufacturers in the UK.
With the largest commercially available FDM (Fused Deposition Modelling) build envelopes and capacity in the UK – and now the UK's only commercially available HP Multi Jet Fusion (MJF) 3D printer – FDM Digital Solutions offer a wide range of engineering solutions in sectors diverse as aerospace, motorsport and healthcare.
In recent years, they have worked with Airbus on the development of A350 XWB Flight Approved Production Cells, collaborated with Senior Aerospace Bird Bellows and worked with the NHS to develop made-to-measure 3D printed insoles.
Last year, FDM Digital launched their education and consultancy programme, and today are one of the largest additive manufacturers in the UK and were finalists for the TCT Awards in July.


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Mangaluru, Mar 11, 2016: Senior Congress Corporator representing Marakada ward has been elected the new Mayor of Mangaluru in the elections held at Mangaluru City Corporation meeting hall on March 11, Friday. Sumitra Kariya of the BJP was chosen the Deputy Mayor.
If the Mayoral post was reserved for a general category candidate, the Deputy Mayor's post was reserved for a SC/ST lady candidate and the Congress had no candidate belonging to this category, the post eventually going to Sumitra Kariya of the BJP who represents Suratkal ward. The new Mayor Harinath has won the civic election five times since 1984.
The BJP had fielded Roopa D Bangera for the Mayoral post. She secured 20 votes as against 36 votes won by Harinath.
The MCC has a total of 60 corporators including 35 from Congress and 20 from BJP. The JD(S) has two candidates while CPI(M) and SDPI has two members. There is also an independent candidate in MCC.
Including local MLAs and MLCs, there were a total of 65 voters of whom 62 were present. All 60 corporators were present while among MLAs JR Lobo was present.
A M Kunjappa was the returning officer. Dr H N Gopalakrishna, MCC Commissioner and K M Gayatri, Additional Commissioner were present.
|Comments on this Article
|Dinaker Rai, Mangaluru
|Fri, March-11-2016, 4:04
|Congratulations Harinath nad Sumitra


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Flaherty chases trust tax breaks; Aimed at wealthy
National Post2014-02-12
Two specific tax planning techniques often favoured by wealthy Canadians have been eliminated in the 2014 budget.
The first change is the elimination of graduated tax rates for testamentary trusts, as originally proposed in last year's budget. A testamentary trust is a type of legal arrangement in which one person, typically known as the estate trustee, holds and manages the deceased's property for the benefit of someone else, known as the beneficiary. A testamentary trust also includes an estate, which arises upon death and generally lasts until the executor distributes the assets to the beneficiaries who are inheriting under the will of the deceased.
For tax purposes, both trusts and estates are considered to be individuals and must file returns that require them to pay tax on any taxable income that is not paid to the trust's beneficiaries. The taxation of testamentary trusts at graduated rates allows the beneficiaries of those trusts to effectively access more than one set of graduated rates and is often recommended as a post-mortem tax planning strategy.
The federal budget proposes to kill this type of planning beyond the initial three years after death by taxing any income retained in a testamentary trust at the highest marginal tax rate.
The second surprising change was the instant elimination of what was commonly referred to as an immigration trust. These trusts were often set up offshore by wealthy immigrants moving to Canada as a way to shelter investment income from Canadian taxation during their first five years of Canadian residency, under a special tax exemption for non-resident trusts.
Citing "tax fairness, tax integrity and tax neutrality concerns," effective immediately, immigrants to Canada can no longer use this to avoid paying tax on their worldwide investment income.


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Angelo's Prime Bar & Grill
- 30 Clifton Country Rd
- Clifton Park, NY 12065
- (518) 371-7777
- Visit Site
When you visit Angelo's Prime Bar + Grill you will expect to find innovative modern cuisine, including favorites from our Prime locations in Albany and Saratoga as well as sandwiches, burgers and light fare. Join us for dinner and enjoy a full bar and wine list carefully chosen by our expert sommelier.
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Britain was once again set to join military action in Iraq after MPs voted to back air strikes against terrorist organisations in the war-torn country.
The Commons voted by 524 to 43 to support David Cameron's plan for air strikes against the so-called Islamic State (IS), also known as ISIS or ISIL.
Tyneside MP Dave Anderson, Labour MP for Blaydon, was one of those speaking out in favour of military action.
He told MPs: "ISIS is a fascist organisation. The only language it understands is force."
Labour leader Ed Miliband and Nick Clegg, the Deputy Prime Minister and leader of the Liberal Democrats, also backed the use of force.
But a number of MPs spoke out against military action during a Commons debate lasting more than six hours.
Unlike the invasion of Iraq in 2003, action this time is being taken at the request of the Iraqi government, which asked for help dealing with IS.
Mr Cameron also said that any action in Syria, where IS is also active, would be subject to its own vote.
And he said that the UK would only be involved in air strikes, not the use of combat ground forces, although some British soldiers may be on the ground in Iraq to carry out work required to identify targets for missiles and guide them to their destination.
Mr Anderson said he had led a trade union delegation to Iraqi Kurdistan after the invasion which deposed former Iraqi dictator Saddam Hussein, and was surprised when Kurds told him they supported the Iraq war because it freed them from Saddam's rule.
He told the House of Commons he asked Iraq Kurds for advice on whether the UK should intervene this time.
He said: "The advice I received from a very close comrade of mine on the ground in the trade union movement in Kurdistan was this - ISIS is a fascist organisation. The only language it understands is force.
"The immediate threat of ISIS must be halted and to do that we need external military air support."
He told MPs: "Whatever we do today I believe in supporting the people on the ground in Kurdistan. I have to support this action even though I don't really want to."
But he warned that the Prime Minister must take no further action, such as involving the British armed forces in Syria, without the approval of the House of Commons.
The Commons also heard warnings from MPs opposing the Government plan.
Conservative MP Adam Holloway (Gravesham), who served in the first Gulf war, said: "There is no simple solution to any of this but the answer does not come from something military that is led by the West.
"It comes from something political that is led by people within the region."
British Muslim leaders, including MPs, councillors and mosque officials, have published a letter condemning IS, which released film showing the murder of British aid worker David Haines and has threatened to murder British aid worker Alan Henning, who is currently being held captive.
Speaking in the Commons, Mr Cameron said: "ISIL is a terrorist organisation unlike those we have dealt with before. The brutality is staggering: beheadings, crucifixions, the gouging out of eyes, the use of rape as a weapon and the slaughter of children.
"All these things belong to the dark ages, but it is not just the brutality; it is backed by billions of dollars and has captured an arsenal of the most modern weapons.
"In the space of a few months, ISIL has taken control of territory that is greater than the size of Britain and is making millions selling oil to the Assad regime. It has already attacked Lebanon and boasts of its designs right up to the Turkish border.
"This is not a threat on the far side of the world; left unchecked, we will face a terrorist caliphate on the shores of the Mediterranean and bordering a NATO member, with a declared and proven determination to attack our country and our people. This is not the stuff of fantasy; it is happening in front of us; and we need to face up to it."


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Koi Goa – A place you can't miss when in Goa
Koi is an Asian restaurant in Calangute region of Goa. The restaurant is named Koi (a fish) that holds a sense of prosperity, significance, and a broad spirit of achievement. Their logo also has Koi fused in it.
The entire place gives a vibe of tranquillity with dark shade tones, beautiful Buddha statues, the paintings, and chandeliers juxtaposed together. Koi will tell a lot about the classy taste of the brand.
The hospitality is exceptionally polite and friendly, and the food is worth raving.
Here is how the evening of excellent drinks and great food went off.
Me being a Gooner for wine, so, I called for Frozen Strawberry Red Wine Sangria and a White Wine Sangria. The Red one is their in-house creation with fresh strawberries. My sister tried The Singapore Sling and Alphonso. All the drinks were fantastic and perfectly went with the food we ordered.
Their in-house sauces are just amazing and the Kimchi they serve is delish.
Sushi is my go-to dish whenever I see one on a menu, so we ordered Sushi Platter that included Shitake, Veg. Tempura and Asparagus Roll. When the platter arrived, it looked like an artistic arrangement of pearls put together and framed with a splatter of warm colors. Well, it tasted excellent, and the entire plate was wiped clean in no time.
P.S.: I did try my hands on eating with chopsticks, and I succeeded reasonably.
Koi Khowsuey is a delight to eyes and your taste buds with the Yellow curry, Steamed noodles, and 14 condiments; it's colorful and flavourful. The curry is subtle in flavor, and the spices along take care of the crunch with the peanuts & Fried onions, fried noodles, fried basil, the udon noodles add a distinctive texture, the leek & coriander gives a freshness and herby flavor. Lemon and Chilli flakes for the extra zest. I am going to miss this one the most. A trip to Goa for this Khowsuey will be a long trip, but trust me it will be worth it.
Hot Crispy Tofu is panko coated tofu pieces mildly flavored with spices served over a bed of dry red chilies. Looked very simple yet turned out to be a great appetizer.
We also tried the Koi Soy Krapow a mock meat version of krapow tossed with garlic, chilly, soy sauce, and basil. Tried this for the first time and it turned out to be delicious and goes well with steamed rice.
Another dish that we cherished is the Spicy Thai Basil Rice.
Well every meal has to end however good it is, so we tried the Molten Chocolate cake with Coconut Icecream and BlackBerries.
Some things stay with you for a long time, a meal at Koi is one such thing. You mostly visit places for either excellent experience or food, but there are very few places that offer you both and Koi, Goa makes it to the list.
While Goa is all about letting yourself loose, relaxed and try to accomplish a state of peace, Koi turns out to be a great spot to do so, all you need to do it order a drink, listen to a fantastic playlist and the rest will be taken care off.
Koi Goa a big Thumbs up to the team.
Well did I forget to mention they are pet-friendly?
At Koi, it gets better with every minute.


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What is Verification?
After completing the FAFSA, some students may be informed that their application has been selected for financial aid verification, which is the process that colleges use to confirm that the data reported in the FAFSA is accurate. Being selected for financial aid verification doesn't mean you are accused of doing something wrong. If students find themselves selected for verification, it's important to complete the verification and submit the requested documentation by the school's deadline, or they may not be able to receive financial aid. Read more about what to do if a student's application is flagged for verification.
Verification Melt
Of the estimated 817,000 seniors who will complete a FAFSA, half will be selected for verification. Of those students, approximately 90,000 of them never provide the verification information, rendering themselves ineligible for aid, and unlikely to attend. Read more about how FAFSA verification can hinder low-income students from enrolling in college.
Supporting your Mentee with Verification
Although the verification process can feel intimidating, there are several things you can do to support your mentee with getting it done.
- Remind them to check their emails and portals. Colleges will often post messages to students on their online portals with information that is missing, including financial documentation needed.
- Encourage mentee to bring in forms to their counselors and Program Managers.
- Support mentee with reaching out to colleges to resolve questions.


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Triumph Tiger Cub Custom – UMC-060 Stranger Thing
Reading time: about 3 minutes.
The Triumph Tiger Cub was the first motorcycle ridden by many young motorcyclists in Britain, not to mention Australia, New Zealand, South Africa, Canada, and the USA.
The Tiger Cub was a dominant small-capacity motorcycle in the 1950s and 1960s before the tsunami-like influx of cheap and cheerful Japanese motorcycles. It was a time when Britain was the number one motorcycle manufacturer in the world, and Triumph was one of the most successful of the mighty British marques.
The Triumph Tiger Cub
Triumph Tiger Cub first appeared at the Earls Court Motor Show in 1953 before going on sale in 1954, it shared the frame and forks of the Triumph T15 Terrier, now fitted with a new T20 199cc single-cylinder engine.
Triumph developed the Tiger Cub as a dual sport motorcycle of sorts, it could handle light scrambling duties with aplomb and it was well-suited to road use so long as speeds were kept under 50 mph. The original T20 engine was capable of 10 bhp at 6000 rpm and the higher-compression T20S engine could manage 14.5 bhp.
Unusually for the 1950s, the Tiger Cub featured unit construction, with a 4-speed gearbox, an oil bath primary, an a chain final drive. Triumph produced the Tiger Cub in very high numbers, the upside being that they remain inexpensive to this day, making them an ideal first motorcycle, an excellent second motorcycle for those who want something fun for the weekends.
1965 Triumph Tiger Cub Custom – UMC-060 Stranger Thing
The following was written by Adam Kay of Untitled Motorcycles.
The Cub is the same age as me. My wife bought it for me as a birthday present. It was a runner, but a bad runner – and a tiny bike with 17" wheels. I looked like a giant riding it so I decided to rebuild it to suit me.
First job was to replace the wheels with 19" rims on the original hubs, some new forks and yokes from a Bob in Yorkshire who specialises in Tiger Cub trials bikes UPB. I put new Hagon shocks on the rear.
I chopped up some Renthal handlebars, cut them into two sections, then joined them by means of a clamp fitting that inorporated the Motogadget speedo. Dom Roup of Brighton Motorcycles modelled the bracket first in 3D printing, then Fastec produced the final version.
The switchgear block was 3D printed and is really durable – as well as looking really different. I improved the front brake with new linings.
It has off-road trials pegs which are rear-set compared to the stock Cub. Originally, I made up a hand-change system, hence the metal work on the right side of the petrol tank, but it didn't work very well so I ditched it. It means I now have to take my foot off the peg to change gear so I may well come up with an alternative gear shift set-up. Kickstarter is off a KTM.
The engine has been rebuilt using an oversize piston so the capacity now is 250cc. I now run an external clutch arm which works much better – It's got a new Mikuni carb and a hand-made the silencer with no baffles.
I fitted electronic ignition. There's no charging system though so the industrial size battery (designed to power a drone actually) is there to power the lights and lasts 24 hours. It's easy to swap the pack over though.
I added the 'full or f#@ked' pipe fittings on the outside of the fuel tank then got the tank powder-coated with glitter flake by Steve at Aurum Finishing.
The bike now the bike fits me a lot better, looks lovely and is great to ride!
Visit Untitled Motorcycles here.
Follow Untitled Motorcycles on Instagram – Facebook
Images: Gary Margerum
This article and its contents are protected by copyright, and may only be republished with a credit and link back to Silodrome.com - ©2019


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£15 per hour
7 hours per week – FTC to March 2016
Closing Date: 5pm, 2nd November 2015
building stronger families
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Read our cookie policy to find out what cookies we use, and how to change your settings.


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Employment Opportunities at Taylor Heating
Become a Rochester Plumber or HVAC Technician
Are you considering a career in the fast-growing and rewarding plumbing and HVAC industry? Are you a self-motivated and customer-savvy individual? If you answered "yes" to both questions, we would love to hear from you!
Taylor Heating is now hiring plumbers and HVAC technicians in Rochester. We look forward to growing our team and benefitting from the skills you have to offer.
Apply online today or give us a call at (585) 294-4881 to learn more about our open positions.


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|Photo via Madamenoire
I've tried to avoid the hoopla and hubbub surrounding Meghan Markle and Prince Harry's wedding. Still, the news of the nuptials and her relatives' responses to them have been all over the news.
It's hard to avoid.
|Photo via Madamenoire
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Bee bots are extremely child-friendly Robots "The Bee-Bot has become a staple ingredient of the early years ICT curriculum in the last few years. Everyone praises the device for being extremely child-friendly and accessible - a perfect programmable toy that is great for teaching basic control skills.
JUST LET ME PLAY: CARMELINA DI GRIGOLI, OCT "The Bee-bot is a programmable robot that helps early learners explore the first stages of programming."
CODING WITH BEE-BOT - FRENCH SEQUENCE CARDS "Thanks to Canadian Classroom, I finally get to test out Bee-Bot in my classroom, just in time for Hour of Code."
BEE-BOT ROBOT - A TEACHING TOOL "Perfect tool for introducing programming to my primary French students."


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"A Fresh Look at the 5 Missionary Martyrs in Ecuador" at The Gospel Coalition.
"A New Set of Spotlights on Elisabeth Elliot: What we learn about her life and work from two releases of previously unpublished writings" at Christianity Today.
"From Jim Elliot to John Allen Chau: The Missionary-Martyr Dilemma" at Christianity Today.
"'Is This How it Really Was?': Exploring Lives Through Private and Public Writing" at Oxford Centre for Life Writing
"Our Common Tongue: On Elisabeth Elliot and a Lingua Cascadia" at Christ & Cascadia
"One True Love: In Memory of Elisabeth Elliot" at Hewitt Homeschooling
"Northwest Abolitionists: A Window into Cascadia's Underground Sex Trafficking Railroad" at Christ & Cascadia


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Le Vintage Bermuda in Heartbreaker
$105.00 $210.00
Vintage inspired, these trendy bermuda shorts feature a high rise, raw hem, and slight distressing throughout. The figure hugging style enhances your curves for a sexy yet elevated look. Wear them with a fitted tee and trendy light weight jacket for an effortless spring time look. Model is 5'9" wearing size 25.
- Color: Heartbreaker
- 97.5% Cotton | 2% Polyester | 0.5% Elastane
- High Rise
- Machine Wash
- Imported
Please note: all SALE merchandise is final sale


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Nagaland and Manipur are the land or state of India, which the nation or some opportunists ignored for personal self. Even after 7 decades of Independence, they did not get proper respect and basic amenities. It's gonna have to fight. Capitalist projects gave small amount of land to them, their religion was struck, their religion did not end after so much disaster. This work is commendable for them and shameful to us.https://www.transportinindia.in/low bed trailer transportation nagaland.php
Dear sir How I check my driver licence by online


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Many of us have a connection to place and want to use research about that location's founding, settlement, history, flora and fauna in our writing. Eileen Apperson's essay about Los Tulares provides a good example of how love of place and fact finding can make an informative essay that preserves and shares valuable knowledge. Los … Continue reading
Monthly Archives: September 2009
In graduate school, at California State University-Fresno, Eileen Apperson began what was to become a longer creative non-fiction project when she wrote one short essay about the eradication of Tulare Lake, which was once the largest fresh water lake west of the Mississippi. She found that her classmates and professor had never heard of the … Continue reading
This essay, which won an American Jewish Press Award, originally appeared in the April 2004 Hadassah Magazine, April 2004. It is included in a collection of essays by Sandra Hurtes, On My Way To Someplace Else, that will be out next month from Poetica Publishing Company. Pre-orders may be made at firstname.lastname@example.com. The price is … Continue reading
The following conversation with essayist Sandra Hurtes helps us all realize that we have it in us to pursue the dream of publishing our essays. We need to stick with it, listen to others, and find the publications that are seeking what we are writing about. SheilaTell me about your writing career — how you … Continue reading


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Equator Washer-Dryer Combo
Put a big bow on a Super Combo EZ 4400 CV, Equator Advanced Appliances' slim, energy-efficient, all-in-one washer and dryer with a host of state-of-the-art laundry-care features. One innovative function is the choice between a venting- or condensing-type dry cycle. Other features include weight and dryness sensors and a wrinkle guard. Available in white, black, silver, pink or merlot, Equator's compact washer-dryer is just 22 inches deep, so it fits in some RVs where larger units don't.
The Super Combo 4400 not only performs washing and drying duties, it thrives in the tight quarters of an RV.


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Start of Summer Fireworks
1401 S. Brown Street
City/State/Zip: Jackson, Michigan 49203
County: Jackson County
Event Website: Click Here!
More information about the accompanying events (musicians, etc) will be available on the website closer to the event.
Note: I am not affiliated with this event, I only list them; if you have a specific question, please use the contact information provided to get in touch with them directly


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New Downloads
Maiar 220.127.116.11.0
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Deep indexing of desktop computer's documents is...
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Takes care of any printing job to be converted and saved...
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SoftMine CD-DVD Burner 1.1.0
|Date Released:
|29 October, 2013
|Soft Mine
You can store your favorite movies, music, documents, apps and games so you may carry them anywhere with you using one of the fastest and most solid burning systems available.
Softmine CD-DVD Burner's main window displays six large icons: Data Disc (CD/DVD), Audio Disc, Video Disc, Write Image, Copy Disc, Read Disc plus a customizable toolbar at the top. To access it, go to 'View' (at the top of the window), click on 'Toolbars' and then press 'Customize'. For more configuring abilities use the special icon in the top-right which makes all the features of the app easily available: General, Advanced, Language, Shell Extensions (features).
Features included: Support for creating custom data; Support for disc copies; Support for burning disc images (ISO and BIN/CUE); Support for creating audio and mixed-mode projects; User-friendly system that allows you to create rewritable and multisession discs; System to create direct disc copies, on the fly or using a temporary disc image; Saves (and encodes) audio and data tracks to files; Edit options for previous projects; Clears rewritable discs; Dual-layer DVDs recording abilities; Error scanning; plus more.
Platform: Windows Vista, Windows 8, Windows, WinXP, WinVista
Latest software from Soft Mine
- SoftMine Audio Recorder 1.5.0 - SoftMine Audio Recorder is multi-featured audio tool than can record sound from various sources and can convert text documents into audio files with great ease. Its support extends to formats such as MP3, WMA, OGG, VOX, AU and AIFF.
- SoftMine CD-DVD Burner 1.1.0 - SoftMine CD-DVD Burner is a most useful program anyone can rely on to back up their data. The app allows you to record any type of files easily and includes all the features needed for basic and advanced burning.
Statement: Download Collection.com periodically updates software information of SoftMine CD-DVD Burner from the publisher Soft Mine. You can visit publisher website by clicking Homepage link. Software piracy is theft. Using SoftMine CD-DVD Burner crack, key, serial numbers, registration codes is illegal. The download file hosted at publisher website. We do not provide any download link points to Rapidshare, Hotfile, Depositfiles, Mediafire, Filefactory, etc. or obtained from file sharing programs such as Limewire, Kazaa, Imesh, Ares, BearShare, BitTorrent, WinMX etc.
User Reviews of SoftMine CD-DVD Burner
SoftMine CD-DVD Burner Related Downloads
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- Free CD DVD Burner Platinum 4.4.9 - Free CD DVD Burner Platinum is truly the most powerful yet simple CD DVD burner which helps you rip/burn data & media CD/DVD and create, rip & burn ISO image files with high speed and quality.
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- AVI Media Player - AVI Media Player is a very easy to use video player. It can be associated with your AVI files so you just need to double click the file to play it.
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- PDF to DWG Converter 9.11.3 - PDF to DWG Converter is a batch converter that allows you to batch convert your PDF files to usable and editable AutoCAD DWG or DXF files, so you can recover the entities in PDF to corresponding DWG entities easily. Key Features include: 1.
- Sketchers Studio for Mac OS - After creating 3D models, the next thing youd like to do will probably be animating them. Sketchers Studio enables you to create 3D animations with your Google SketchUp models.
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- MP4 Media Player - MP4 Media Player is a very easy to use video player. It can be associated with your MP4 files so you just need to double click the file to play it.
- Circuit Wizard Professional Edition - Circuit Wizard Professional Edition was developed to be a revolutionary new system that combines circuit design, PCB design, simulation and CAD/CAM manufacture in one complete package.


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Friday, September 24, 2010
Patron Saint Of Last Chances
Check out this great interview with Becca Stevens on Chapter 16, a publication of Humanities Tennessee. Becca speaks about her newest books, Walking Bible Study: The Path of Love, The Path of Peace and the Path of Justice and discusses her multiple roles as priest, mom and Thistle Farmer.
Subscribe to: Post Comments (Atom)


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Marvel Preview
#24, Winter/1980
Marvel, 1.25
Paul Gulacy cover
Val Mayerik frontispiece
Full-length SF adventure featuring Paradox's only appearance. Written by Bill Mantlo, art by Val Mayerik. Mayerik was already something of a comic celebrity, being the co-creator of Howard the Duck while Mantlo was well-known, being the writer of Marvel's licensed Rom & Micronauts properties. Unfortunately, Paradox went over like a lead balloon and hasn't been heard from since.
Sneak preview pages include unpublished art by Steve Bissette, Paul Gulacy & John Bolton.
Related articles
- Dixon and Gulacy Declassify G.I. Joe: Special Missions! (graphicpolicy.com)


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The All-New 2019 Ford F-150
Conquer any jobsite or weekend chore with ease from behind the wheel of a new 2019 Ford F-150. The new Ford F-150 pickup boasts unrelenting power and incredible towing capabilities that are paired with intelligent performance technology to create the ultimate truck-driving experience. Review 2019 Ford F-150 specs to see if you prefer the 2019 Ford F-150 Lariat or F-150 King Limited, and visit our Ford dealership near Morgantown, WV, today!
New Ford F-150 Engines & Performance Features
You'll love driving through Morgantown day after day when you buy or lease a new 2019 Ford F-150. The F-150 engine options include a 325-horsepower Turbocharged EcoBoost® powertrain and a High-Output engine that generates a best-in-class 450 horsepower. Opt for the new Ford F-150 diesel powertrain and you'll cruise around Waynesburg with a class-leading EPA-estimated 30 highway mpg rating. When you buy or lease a new Ford F-150, you can haul anything your heart desires with confidence thanks to the class-exclusive Pro Trailer Backup Assist™ system that makes maneuvering in reverse simple. Other 2019 F-150 engine specs and performance features may include:
- 2.7-liter Turbocharged EcoBoost® V6 engine with 325 and 400 lb-ft of torque
- 3.5-liter EcoBoost® V6 engine with 375 hp and 470 lb-ft of torque
- High-Output 3.5-liter EcoBoost® V6 engine with 450 hp and 510 lb-ft of torque
- 3.3-liter Ti-VCT V6 engine with 290 hp and 265 lb-ft of torque
- 5.0-liter Ti-VCT V8 engine with 395 hp and 400 lb-ft of torque
- 3.0-liter Power Stroke® Turbo Diesel V6 engine with 250 hp and 440 lb-ft of torque
- 10-speed automatic transmission with selectable modes
- Trail Control™ system
- Terrain Management System with Normal, Sport, Slippery, Tow/Haul, Deep Snow/Sand, Baja, and Rock Crawl driving modes
- AdvanceTrac® with Roll Stability Control™ (RSC®)
- Best-in-class conventional tow rating of up to 13,200 lbs
New Ford F-150 Design & Technology
From advanced safety systems to convenient infotainment technologies, the lineup of new Ford F-150 trucks will provide you with a comfortable cabin to enjoy while you're out on the road. Whether you finance a 2019 Ford F-150 Lariat, apply for a 2019 F-150 Platinum lease or choose another F-150 model entirely, you'll be protected by safety features such as Pre-Collision Assist with Automatic Emergency Braking and a Rear View Camera with Dynamic Hitch Assist. The new Ford F-150 design is centered around your productivity and convenience so that you can complete tough jobs around West Virginia with ease. An available BoxLink™ system and class-exclusive deployable box side steps are just a few of the new Ford truck options you can spring for to make light work of every task. New Ford F-150 trucks may also include:
- FordPass™ Connect with Wi-Fi® hotspot
- 360-degree Camera with Split-View Display
- Tailgate Step with Tailgate Lift Assist
- Adaptive Cruise Control with Stop-and-Go Technology
- Lane-Keeping System
- Ford + Alexa
- SYNC® 3 AppLink® with Waze
- B&O™ Sound System by Bang & Olufsen™
- Voice-activated Navigation with SiriusXM Traffic and Travel Link®
- BLIS® (Blind Spot Information System) with Cross-Traffic Alert


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60ml - Unique, Smokeless and Awesome
USA Blend Tobacco gives you all the flavour of a classic American tobacco, but with none of the smoke!
We use only the finest quality ingredients in all Mount Baker Vapor signature flavours. In our determination to amaze your senses with each and every one of our unique flavours, we have one philosophy…Flavour is everything!


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Spanish world No. 2 Rafael Nadal, fourth-ranked German Alexander Zverev and South African world No. 6 Kevin Anderson will head up the men's field at this year's Mexican Open tennis tournament.
The director of this hard-court ATP and WTA tennis event, which will be held from Feb. 25 until March 2 in the Pacific resort city of Acapulco, on Wednesday confirmed the presence of those three stars.
"We're very happy that Rafa will be with us again. He looked good in his first two matches in Australia and he's healthy," Raul Zurutuza said in reference to the Spaniard's current participation in the Australian Open, the new season's first Grand Slam tournament.
Nadal, winner of 17 Grand Slam men's singles titles, won the Mexican Open in 2005 and 2013 and was the runner-up in 2017 but was forced to withdraw from the 2018 tournament at the last minute due to a knee injury.
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They include 2016 winner Sloane Stephens of the United States, who won the 2017 US Open and is currently ranked No. 5 in the world.


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United States Court of Appeals, Tenth Circuit
August 27, 2013
NATIONAL CREDIT UNION ADMINISTRATION BOARD, as liquidating agent of U.S. Central Federal Credit Union and of Western Corporate Federal Credit Union, Plaintiff - Appellee,v.NOMURA HOME EQUITY LOAN, INC.; WACHOVIA CAPITAL MARKETS, LLC, n/k/a Wells Fargo Securities, LLC; WACHOVIA MORTGAGE LOAN AND TRUST, LLC; NOVASTAR MORTGAGE FUNDING CORP.; FINANCIAL ASSET SECURITIES CORP.; RBS ACCEPTANCE, INC., f/k/a Greenwich Capital Acceptance, Inc.; RBS SECURITIES, INC., f/k/a Greenwich Capital Markets, Inc., Defendants-Appellants, and FREMONT MORTGAGE SECURITIES CORP.; INDYMAC MBS, INC.; LARES ASSET SECURITIZATION, INC.; RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., Defendants. SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION, Amicus Curiae. Statutory Common law
APPEALS FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF KANSAS (D.C. Nos. 2:11-CV-02340-JWL-JPO and 2:11-CV-02649-JWL-JPO)
Barry Levenstam, Jenner & Block, Chicago, Illinois (Barbara S. Steiner, Matthew J. Thomas, and Casey T. Grabenstein, Jenner & Block, Chicago, Illinois; W. Perry Brandt, Bryan Cave LLP, Kansas City, Missouri; Arthur E. Palmer, Goodell, Stratton, Edmonds & Palmer, LLP, Topeka, Kansas; Jeffrey J. Kalinowski and Richard H. Kuhlman, Bryan Cave LLP, St. Louis, Missouri; William F. Alderman, Orrick, Herrington & Sutcliffe LLP, San Francisco, California; Timothy B. Mustaine, Foulston Siefkin LLP, Wichita, Kansas; Michael Thompson and Faiza Bergquist, Husch Blackwell LLP, Kansas City, Missouri; and R. Alexander Pilmer, David I. Horowitz, and Tammy A. Tsoumas, Kirkland & Ellis LLP, Los Angeles, California, with him on the briefs), appearing for Appellants.
David C. Frederick, Kellogg, Huber, Hansen, Todd, Evans & Figel, P.L.L.C., Washington, D.C. (George Zelcs, Korein Tillery, Chicago, Illinois; Michael J. McKenna, General Counsel, and John K. Ianno, Associate General Counsel, National Credit Union Administration, Alexandria, Virginia; Wan J. Kim and Gregory G. Rapawy, Kellogg, Huber, Hansen, Todd, Evans & Figel, P.L.L.C., with him on the brief), appearing for Appellee.
Ira D. Hammerman and Kevin Carroll, Securities Industry and Financial Markets Association, Washington, D.C., and Michael J. Dell and Aaron M. Frankel, Kramer Levin Naftalis & Frankel LLP, New York, New York, filed an amicus brief for Securities Industry and Financial Markets Association.
Before KELLY, McKAY, and MATHESON, Circuit Judges.
MATHESON, Circuit Judge.
The National Credit Union Administration ("NCUA") placed two federally chartered corporate credit unions, U.S. Central Federal Credit Union ("U.S. Central") and Western Corporate Federal Credit Union ("WesCorp"), into conservatorship. As liquidating agent, NCUA sued 11 defendants on behalf of U.S. Central, alleging federal and state securities violations.[1] In a separate case, NCUA sued one defendant on behalf of U.S. Central and WesCorp, alleging similar federal and state securities violations.[2]The cases were consolidated in the United States District Court for the District of Kansas. We refer to all defendants in these actions collectively as "Defendants."
Defendants moved for dismissal, arguing that NCUA's claims were time-barred. The district court denied the motion, concluding that the so-called Extender Statute applied to NCUA's claims. See 12 U.S.C. § 1787(b)(14). Defendants successfully moved for an interlocutory appeal for this court to determine whether the Extender Statute applies to NCUA's claims.
Exercising jurisdiction under 28 U.S.C. § 1292(b), we affirm.
We begin by describing several statutes relevant to this litigation. We then summarize the factual and procedural history of the case before turning to a discussion of the issues.
A. Securities Laws and the Extender Statute
This case involves residential mortgage-backed securities ("RMBS"). RMBS are created through securitization by pooling residential mortgage loans and offering prospective investors the opportunity to invest in a particular loan pool through purchase of RMBS certificates granting ownership of a slice of the loan pool. Investors can buy, sell, or hold these RMBS certificates. When homebuyers pay back their loans, investors receive a positive return through payment of dividends and the increased value of the RMBS certificates. See In re Lehman Bros. Sec. & ERISA Litig., 800 F.Supp.2d 477, 479 (S.D.N.Y. 2011) (describing mortgage securitization process). Conversely, investors lose money when homebuyers fail to repay their mortgage loans.
Several steps occur before an RMBS certificate can be offered to an investor.
First, the mortgages are separated into "tranches, " or classes, based on the estimated risk of default.
Second, a ratings agency assigns a credit rating to each tranche before it is sold. This step signals to investors the risk associated with a given security. Broadly speaking, the ratings agency determines the credit risk of a loan pool based on information about each loan in a given tranche, each borrower's creditworthiness, and the proposed capital structure of the loans.
Third, RMBS sellers must file registration statements with the Securities and Exchange Commission ("SEC"), along with a prospectus and other offering documents, which include disclosures about the RMBS being offered. Federal and state securities laws require RMBS sellers to provide investors with truthful and accurate information about the risks involved. See In re Morgan Stanley Info. Fund Sec. Litig., 592 F.3d 347, 358 (2d Cir. 2010). Sellers are liable when offering documents include false and misleading statements.
After the foregoing steps, the RMBS are sold to investors in the form of certificates.
1. Federal securities laws
Sections 11 and 12(a)(2) of the Securities Act of 1933 impose liability on certain participants in a registered securities offering that involves material misstatements or omissions. Section 11 applies to registration statements, and Section 12(a)(2) applies to prospectus materials and oral communications.[3]
For private litigants bringing a claim under Sections 11 or 12(a)(2), two deadlines must be satisfied. Both appear in Section 13 of the Securities Act (codified as 15 U.S.C. § 77m), [4] under the heading "Limitation of actions." First, a claim must be brought within one year from the date the violation is discovered or should have been discovered through the exercise of reasonable diligence. Second, a claim is subject to a three-year limit, which provides that "[i]n no event" shall a claim under Section 11 be filed "more than three years after the security was bona fide offered to the public, " and no "more than three years after the sale" in the case of a Section 12(a)(2) claim. Id. at § 77m.
2. State securities laws
The Kansas Uniform Securities Act makes a securities seller liable to a purchaser if the seller sells a security "by means of an untrue statement of a material fact or an omission." K.S.A. § 17-12a509(b). Kansas also sets two deadlines on state securities claims: a two-year limitations period from the date the claim accrues and a five-year deadline from the date of the security's issuance or sale. Id. § 17-12a509(j).
The California Corporate Securities Law of 1968 similarly makes a securities seller "liable to the person who purchases a security, " Cal. Corp. Code § 25501, when the security has been sold or offered "by means of any written or oral communication which includes an untrue statement of a material fact" or is "misleading, " id. § 25401. California's deadlines for securities claims are similar to those in Kansas: two years from a plaintiff's discovery "of the facts constituting the violation, " or five years from "the act or transaction constituting the violation." Id. § 25506(b).
3. Time limits specific to NCUA: the Extender Statute
The Federal Credit Union Act ("FCUA"), enacted in 1934, governs the regulation of federally chartered credit unions. It established NCUA as an independent agency charged with regulating federally chartered credit unions and set the terms of federal insurance coverage for credit union accounts.
If NCUA finds that a credit union is insolvent, or in some circumstances if it is undercapitalized, FCUA directs NCUA to place the credit union in conservatorship or liquidation and appoint itself as conservator or liquidating agent. 12 U.S.C. §§ 1787(a)(1)(A), (a)(3)(A). As conservator or liquidating agent, the Board steps into the shoes of the credit union and succeeds to "all rights, titles, powers, and privileges of the credit union." Id. § 1787(b)(2)(A)(i).
In the wake of the savings and loan crisis of the 1980s, Congress passed the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ("FIRREA"). FIRREA's purpose is to strengthen government regulation of federally chartered or insured financial organizations. See United States v. Winstar Corp., 518 U.S. 839, 844, 856 (1996).
FIRREA contains provisions often referred to as "extender statutes, " which extend the time period for a government regulator to bring "any action" on behalf of a failed financial organization. FIRREA has two such provisions with identical language. One applies to NCUA, 12 U.S.C. § 1787(b)(14), and the other to the Federal Deposit Insurance Corporation ("FDIC"), NCUA's counterpart that regulates banks, id. § 1821(d)(14). See O'Melveny & Myers v. FDIC, 512 U.S. 79, 86 (1994) (describing the FDIC extender statute).[5]
The NCUA Extender Statute is titled "Statute of limitations for actions brought by conservator or liquidating agent." 12 U.S.C. § 1787(b)(14). It reads:
(A)In general
Notwithstanding any provision of any contract, the applicable statute of limitations with regard to any action brought by the Board[6] as conservator or liquidating agent shall be— (i) in the case of any contract claim, the longer of—
(I)the 6-year period beginning on the date the claim accrues; or
(II)the period applicable under State law; and (ii) in the case of any tort claim, the longer of—
(I)the 3-year period beginning on the date the claim accrues; or
(II)the period applicable under State law.
(B)Determination of the date on which a claim accrues
For purposes of subparagraph (A), the date on which the statute of limitation begins to run on any claim described in such subparagraph shall be the later of—
(i) the date of the appointment of the Board as conservator or liquidating agent; or
(ii) the date on which the cause of action accrues.
Before FIRREA, Securities Act claims brought by the federal government were subject to the limitations provision of 28 U.S.C. § 2415 ("Section 2415"). See, e.g., FDIC v. Bachman, 894 F.2d 1233, 1237 (10th Cir. 1990). Section 2415 is the default federal statute of limitations for all actions brought by the federal government when no other statute of limitations applies. Id. It reads, in relevant part:
§ 2415. Time for commencing actions brought by the United States
(a) . . . [E]xcept as otherwise provided by Congress, every action for money damages brought by the United States or an officer or agency thereof which is founded upon any contract express or implied in law or fact, shall be barred unless the complaint is filed within six years after the right of action accrues . . . .
(b) . . . [E]xcept as otherwise provided by Congress, every action for money damages brought by the United States or an officer or agency thereof which is founded upon a tort shall be barred unless the complaint is filed within three years after the right of action first accrues . . . .
Congress modeled the two FIRREA extender statutes after Section 2415. Early drafts of FIRREA legislation expressly incorporated "the [limitations] period provided for in section[] 2415." S. 774, 101st Cong. § 212 (as passed by Senate, Apr. 19, 1989) (early version of 12 U.S.C. § 1821(d)(14)), available at 1989 WL 1178231, at *44. Later drafts of FIRREA featured separate limitations provisions, which were eventually enacted in their current form, and we refer to them as the extender statutes.
In the FIRREA extender statutes, Congress maintained the basic structure of Section 2415, with a three-year limitations period for tort claims and a six-year period for contract claims. But Congress omitted some portions of Section 2415 from the FIRREA extender statutes. In particular, the phrase "except as otherwise provided by Congress, " which appears in Section 2415, does not appear in the extender statutes. Compare 12 U.S.C. §§ 1787(b)(14), 1821(d)(14), with 28 U.S.C. § 2415(a)-(b); see also FDIC v. Thayer Ins. Agency, Inc., 780 F.Supp. 745, 748 (D. Kan. 1991) (recognizing the connection between Section 2415 and the FIRREA extender statutes and describing the latter as "an amended version of the limitations period found in 28 U.S.C. § 2415[].").
In addition to FIRREA's two extender statutes, several other extender statutes have been enacted. In 2008, Congress passed the Housing and Economic Recovery Act of 2008 ("HERA"), which contained an extender statute for any action brought by the Federal Housing Finance Administration ("FHFA") on behalf of a failed government-sponsored entity, such as Fannie Mae or Freddie Mac. See 12 U.S.C. § 4617(b)(12).
Another extender statute appears in the Comprehensive Environmental Response, Compensation, and Liability Act of 1980 ("CERCLA"). 42 U.S.C. § 9658. This limitations provision, often referred to as "CERCLA § 309, " establishes a federally mandated commencement date for state-law limitations periods on certain claims and provides a minimum time frame for plaintiffs to bring claims regardless of state law.
B. Factual History [7]
1. Case No. 12-3295: RMBS purchased by U.S. Central
The first of the two consolidated cases in this appeal involves 11 defendants, 29 RMBS certificates, and one of the two credit unions, U.S. Central. On behalf of U.S. Central Credit, NCUA alleged the defendants violated Sections 11 and 12(a)(2) of the Securities Act of 1933, 15 U.S.C. §§ 77k, 77l(a)(2). NCUA also alleged that one defendant violated the Kansas Uniform Securities Act, K.S.A. § 17-12a509.
U.S. Central was the largest federally chartered corporate credit union in the country before it failed. In 2006 and 2007, U.S. Central invested in RMBS. It purchased 29 RMBS certificates issued by 10 of the defendants and underwritten and sold by Defendant RBS Securities Inc. When U.S. Central made these purchases, nearly all certificates were assigned the highest possible investment rating, indicating they were low-risk investments. But over the next four years, most of the certificates performed so poorly that their credit ratings were "downgraded to well below investment grade." Appx. at 305. In other words, the certificates were reclassified to a credit rating commonly referred to as "junk" grade. See Cody v. SEC, 693 F.3d 251, 255 (1st Cir. 2012).
2. Case No. 12-3298: RMBS purchased by U.S. Central and WesCorp
The second of the two consolidated cases involves one defendant, five RMBS certificates, and two credit unions, U.S. Central and WesCorp. On behalf of the credit unions, NCUA alleged violations of Sections 11 and 12(a)(2) of the Securities Act of 1933, 15 U.S.C. §§ 77k, 77l(a)(2), the California Corporate Securities Law of 1968, Cal. Corp. Code §§ 25401, 25501, and the Kansas Uniform Securities Act, K.S.A. § 17-12a509.
The credit unions purchased these RMBS certificates in 2006. NCUA alleged that U.S. Central and WesCorp relied on misleading statements in the offering documents that the five RMBS certificates were "extremely safe." Aplee. Br. at 8. As with the first case, the RMBS were highly rated at the time of purchase but experienced a "surge in borrower delinquencies and defaults, " resulting in significant losses and a "collapse[]" of their credit ratings. Appx. at 375-76.
3. Both cases
According to NCUA, by "May 2011, nearly half (45.73%) of the mortgage collateral across all of the [RMBS] . . . was in delinquency, bankruptcy, foreclosure, or was . . . [owned by a bank or lending institution] after a failed sale at a foreclosure auction." Id. at 303. This resulted in staggering losses for the credit unions. Together, the credit unions paid $1.74 billion for the RMBS involved in both cases, and losses from these failed investments contributed to the demise of both organizations. NCUA placed both credit unions in conservatorship in March 2009, then in involuntary liquidation in October 2010.
After taking over the credit unions, NCUA began investigating these RMBS. It reviewed the offering documents, which had represented that "[t]he mortgage loans [had] been originated generally in accordance with" industry underwriting standards, Appx. at 307, and that the mortgages in the RMBS pool had "zero or near zero delinquencies and defaults, " id. at 302. NCUA concluded that at the time the RMBS certificates were sold, they were "significantly riskier than represented in the [o]ffering [d]ocuments" and that "a material percentage of the borrowers whose mortgages comprised the [RMBS] were ...
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