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Fox News, CNN and other Mainstream media outlets are quick to blame Islam for the actions of few pervert in the Muslim community. In this article we will expose media and show why they blames Islam for the misdeeds of the few Muslim blacksheep
Islam is crystal clear when it comes to terrorism as mentioned in the following verse.
Whoever kills a soul unless for a soul or for corruption [done] in the land - it is as if he had slain mankind entirely. And whoever saves one - it is as if he had saved mankind entirely. Holy Quran 5:32
Whenever there is a bomb blast or any murder committed by some so called Muslim blacksheep, Main stream media (MSM) are swift to run their compaign in full swing and make non Muslims and weak Muslims to believe that Islam promotes terrorism.
Let's dig into this rabbit role of the MSM brainwashing plot and understand why media has to blame only Islam whenever Muslim commits crime or kill somebody or commit suicide attack and also understand why media does not blame other religions such as Christianity,Judaism, Buddhism, Hinduism,Sikhism etc., for the same act committed by their fellow followers. For some brainwashed people who does not know any other terrorist organization beside Al Qaeda or ISIS or Boko Haram or Taliban, check this out this All Terrorist are not Muslim?
One of the plots of the media to defame Islam is to associate things which are alien to Islam such as translating the word "Jihad" to "Holy War" which is blasphemous. The real meaning of the word Jihad is to "strive and struggle".
We don't have much time to cover in this article, if you are interested then please get enlightened with this video or read this article from our website.
Before going into the topic let dwell in what Jews and Christian book has to say on Jihad? Many people don't know that Jihad even exist in Bible as well.
This may be shocking to some readers, but the Bible has been translated into Arabic. In fact, if you open your Bible right now and peruse through all of the translations of John 3:16, "Allah" is the word used to refer to God in the Arabic version right at the top of your page.
In 1 Peter 4:18, the word jahada, the root of jihad, is used to describe one's internal struggle. It reads, "If it is a jihad (struggle) for the righteous to be saved, what will become of the ungodly and the sinner?
In both I Timothy and II Timothy, we find two references to jihad in the Arabic Bible: "I have fought the good jihad (fight), I have finished the race, I have kept the faith." (II Timothy 4:7)
"Fight the good jihad (fight) of the faith. Take hold of the eternal life to which you were called when you made your good confession in the presence of many witnesses." (I Timothy 6:12)
Reference : https://www.huffingtonpost.com/entry/59669d05e4b051f16255e5b5
The Old Testament was found to be more than twice as violent as the Quran.An analysis into whether the Quran is more violent than the Bible found killing and destruction occur more frequently in the Christian texts than the Islamic.
Investigating whether the Quran really is more violent than its Judeo-Christian counterparts, software engineer Tom Anderson processed the text of the Holy books to find which contained the most violence.
Using text analytics software he had developed, named Odin Text, he analysed both the New International Version of both the Old and New Testaments as well as an English-language version of the Quran from 1957.
It took just two minutes for his software to read and analyse the three books.
An analysis into whether the Quran is more violent than the Bible found killing and destruction occur more frequently in the Christian texts than the Islamic.
Investigating whether the Quran really is more violent than its Judeo-Christian counterparts, software engineer Tom Anderson processed the text of the Holy books to find which contained the most violence.
In a blog post, Mr Anderson explains: "The project was inspired by the ongoing public debate around whether or not terrorism connected with Islamic fundamentalism reflects something inherently and distinctly violent about Islam compared to other major religions."
By categorising words into eight emotions - Joy, Anticipation, Anger, Disgust, Sadness, Surprise, Fear/Anxiety and Trust - the analysis found the Bible scored higher for anger and much lower for trust than the Quran.
Further analysis found the Old Testament was more violent than the New Testament, and more than twice as violent as the Quran.
"Of the three texts, the content in the Old Testament appears to be the most violent.
"Killing and destruction are referenced slightly more often in the New Testament (2.8%) than in the Quran (2.1%), but the Old Testament clearly leads—more than twice that of the Quran—in mentions of destruction and killing (5.3%)."
Why don't media first look into their own Holy Book instead of barking at Islam?
Reference : http://www.independent.co.uk/arts-entertainment/books/violence-more-common-in-bible-than-quran-text-analysis-reveals-a6863381.html#gallery
Islam is the fastest growing religion on the face of the Earth. It is the only reason why media blames Islam if any Muslim blacksheep commits some murder or crime. An article appeared in the Reader's Digest "Almanac" in the year 1986 which gave the increase in percentage of world's religion for the period between 1934 and 1984 and guess what? Islam had increased by 235% while Christianity was at 47%. In a recent study conducted by Pew Research Center, founds out that Islam's growth will be explosive and Muslims could reach 2.76 billion by the year 2050.
Pew Research center calculated that the world's population would grow by 32% in the coming decades while the Muslim population would grow by 70%. Based on this stats, Muslim will likely overtake Christianity by 2060 and easily by the year 2100.
Refer : http://www.pewresearch.org/fact-tank/2017/04/06/why-muslims-are-the-worlds-fastest-growing-religious-group/
Coming back to topic, as we all know media is run by Jewish corp and their Christian allies. They both read the same book called Bible and the fear thay have is that if this Islam growth continues like this then it will become issue for them as they are losing their own people day by day to Islam and Islam is also spreading by exponential growth of Muslim fertility in Muslim countries as well as Muslims living in Non Muslim countries. Hence Muslim will inevitably grow beyond the population of Christian and eventually overtake Christianism by a large number.
So in order to stop this Islam spreading beyond their control they have to take some steps. The step they initially took is that sending mercenaries to Muslim countries to get Muslim converted to Christianity which was miserably failed. The second step is to use media muscle to defame Islam and Muslim by highlighting Muslim perverts which are a small fraction of Muslim population and showing them as exemplory Muslims to mislead public that Islam means all the bad stuff.
By doing these things they believe that they can put stop to the exponential growth of Islam and Muslims but that also failed. After 9/11 inside job committed by the Western perverts, the stats shows that even more people are embracing Islam. So it back fired them here as well.
And [remember, O Muhammad], when those who disbelieved plotted against you to restrain you or kill you or evict you [from Makkah]. But they plan, and Allah plans. And Allah is the best of planners. Holy Quran 8:30
The third step is using desperate means to achieve their political goal. It is to use of most malicious and deceptive force to kill and destroy Muslim nation in the form of ISIS and Al Qaeda. Read here for more why ISIS is anti Islamic and serves only the interest of Western allies.
The Crusaders want to kill two birds with one stone. Defame Islam in the form of ISIS, Al Qaeda and kill Muslims in large number to stop the spread the Islam in one way or the other. If you are still not convinced then look here at this link where we have shown media reports 5 times more coverage if the perpetrator is a Muslim and also media under report terror incident if it is committed by Jews or Christians.
Couldn't believe? Then read this and find out most notorious terrorist organization on the face of the Earth which media does not report at all. Also read this link for white supremacist terrorist which media underreport or does not even report at all to the general public. Why is this double standard? It is hide their folks committing terrorist activities and prevent people to getting attracted by Islam.


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On The International Day of the Girl Child, gender equality has never been cooler—but there's still a way to go, writes Jessica Morris.
"Who runs the world? Girls!" If Beyoncé has any say on the matter, the world is on the verge of a revolution, and a female one at that.
Since the first wave of feminism more than a century ago, the women's movement has gone from strength to strength. Calls for equality by suffragettes meant that females in Australia were finally given the right to vote in 1902 (the second country in the world to do so), and following numerous movements during the last century, we have seen a resurgence of feminism in a new generation of women.
Culturally, we are beginning to see strong female leads like Gal Gadot's Wonder Woman redefine femininity, and the role of a submissive homemaker is being swapped for the portrayal of independent, intelligent and capable women.
And it's not just fictional women who are continuing the revolution: just this year Taylor Swift won a court case after she was sexually assaulted by US DJ David Mueller. Musicians like Kesha and Rihanna have also been vocal about their own experiences with sexual assault and domestic violence, and in doing so have represented women everywhere.
Given all this, I can tell you: it's never been cooler to be a strong woman.
We've also seen feminism rise up in the Church. Since it was founded in 1865, The Salvation Army has held to the core truth that all people are created in the image of God, and therefore the worth of both sexes is inherent.
It's not a new idea, but one that is informed by both the words and actions of Jesus—who first appeared after his resurrection to his female disciples—and the biblical examples of female leaders in the early Church, such as Priscilla and Apphia. It also acknowledges how many women were martyred in the name of Christ as the faith battled for its place in an often hostile world.
This belief has put them at the forefront of ministerial equality, with founders William and Catherine Booth both playing integral roles in raising up young leaders and championing the cause of women, who were some of the most discriminated groups in London's East End.
Years ahead of her time, it was Catherine who said, "Why should woman be confined exclusively to the kitchen and the distaff, any more than man to the field and workshop?"
Given this history, it was significant when The Salvation Army announced its new Gender Equity policy earlier this year. This showed that even a progressive movement still has to address gender equality in a society where patriarchal ideas are inbuilt—and so do we.
On a broader religious level, Sarah Bessey's popular 2013 book Jesus Feminist dramatically altered the public's patriarchal interpretation of the Bible, and many facets of the Church have exchanged the historical interpretation of a women's role to a more well-rounded, empowering view.
If there was any time in history to be a girl, 2017 seems to be the pinnacle.
But for many women—dare I say all of them—it's not. Because while society has made leaps and bounds in its treatment of women, there's still a massive gap of inequality. And this is particularly prevalent for young girls.
"Our society tends to have ideals about how gender is played out in our day-to-day lives, and from a very young age, girls are conditioned to think certain things about their gender," explains Amanda Merrett, member of The Salvation Army's social justice team.
"Because of sexism in our culture, girls and women are often reduced to whatever their bodies can offer—labour, children or even sexual favours."
If we want the girls of the future to grow up in a world where they are free to dream, create and reach their God-given potential, something needs to change. And that starts with us.
The International Day of the Girl Child exists to change this. Instigated by the United Nations in 2011, this year it takes place on October 11. The day raises awareness for the 1.1 billion girls who have the capacity to transform the world and have unlimited potential. Yet, so many never receive this opportunity, due to discrimination, violence and lack of equal opportunities.
"There are unique challenges faced by girls simply because they are a girl," says Amanda. "Across the world and in Australia, girls are held back because of poverty, gender inequality, child marriage, modern slavery and more. There are many things that strip young girls of dignity, and expose them to discrimination and oppression that can continue throughout their lifetime."
In developing countries, this inequality looks like forced and early marriage. In fact, one in three girls in these countries (except China) will enter forced marriage before the age of 18. Globally, one in seven girls are married or in union before this age. Many have children before they are physically or emotionally ready, and a large number also experience physical and sexual violence.
It's easy to get caught up in the statistics, but we can't forget that at the core of this issue is the future of each single, important life. And while some of these girls live overseas, many are right here in Australian homes and workplaces.
A survey of 600 teenage girls by Plan International Australia and Our Watch found that 51% of participants thought that girls are often pressured to take and share nude/semi-nude photographs.
In addition, of the 40.3 million people in the world who are victims of modern-day slavery, 71% are women. And in Australia, one in four females have experienced physical or sexual violence by an intimate partner.
Corporately, we also see this disparity in the pay gap. Though scoffed at by many, it is more obvious than ever before that inequality exists in the workplace, with women earning on average 84% of a man's pay cheque in Australia. We also know that many women find it harder to rise up to management positions in the workforce.
If we want the girls of the future to grow up in a world where they are free to dream, create and reach their God-given potential, something needs to change. And that starts with us.
We must throw away our misconception that girls and women from developing countries are more prone to discrimination because of their family, culture, religion or class—because oppression happens to females across the world.
"We can only start to understand the systemic justice issues facing young girls when we engage with the very girls experiencing those injustices. We need to keep the experiences and stories of people, and therefore people's humanity, front and centre," says Amanda.
So how can we make a difference? By joining the revolution. A peaceful revolution that recognises the God-given significance of every human being, and calls out inequality whenever it appears in our lives: in our language (no more, "man up" or "you're weak like a girl"), in our behaviour, and in our assumptions.
Get on board. Because this isn't just a defining moment in history, it's the sound of a generation changing the world.

subset: commoncrawl


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A woman gets involved in an impersonal affair with a man. She barely knows about his life, only about the sex games they play, so the relationship begins to get complicated.
Director: Adrian Lyne
Writers: Elizabeth McNeill (novel), Patricia Louisianna Knop (screenplay) (as Patricia Knop) | 2 more credits »
Stars: Mickey Rourke, Kim Basinger, Margaret Whitton
Country: USA
Nine 1/2 Weeks 1986 Hd Full Movies
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Last course for 55+ Luncheon Club?
An Over 55's Luncheon Club at Dafen Community Hall looks set to come to an end, along with four other clubs in Llanelli Rural areas, unless new caterers can be found.
Hywel Dda's Bryntirion kitchen, which supplies food to Llanelli Rural Council's luncheon clubs, is due to close soon; the service to the Rural Council will cease in December.
The Leader of Council, Cllr. Carol Rees, said "the luncheon clubs have been running for 25 years and have provided an excellent community and social facility for ages 55+. It will be a shame for them to close".
Any catering company who is interested in providing and delivering two course meals in insulated boxes to halls in Felinfoel, Sandy, Trallwm, Saron and Dafen, are welcome to contact Mrs Dawn Jones at the Rural Council on 01554 774103 for further information.
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February 2016


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Vencore Awarded More Than $375 Million in Systems Engineering and Integration Support Work
Dec 06, 2017, 14:41 ET
CHANTILLY, Va., Dec. 6, 2017 /PRNewswire/ -- Vencore Inc. announced today that it was awarded multiple systems engineering and integration contracts totaling more than $375 million to support U.S. government customers. Award notifications were delivered during the previous quarter and, collectively, the work will span more than seven years of performance.
Vencore provides highly technical and analytical engineering expertise to government customers across the military, intelligence and federal IT spectrum. As a long-standing leader in systems engineering and integration, Vencore also delivers software, cyber and Agile/DevOps solutions via government programs.
About Vencore, Inc.
Vencore is a proven provider of information solutions, engineering and analytics for the U.S. Government. With more than 40 years of experience working in the defense, civilian and intelligence communities, Vencore and its transformational applied research organization, Vencore Labs, design, develop and deliver high impact, mission-critical services and solutions to overcome its customers most complex problems.
Vencore has 3,750 employees and is based in Chantilly, Va. For more information about Vencore and Vencore Labs, visit www.vencore.com and www.vencorelabs.com.
This press release contains forward-looking statements. These forward-looking statements are made on the basis of the current beliefs, expectations and assumptions of the management of Vencore and are subject to significant risks and uncertainty. Readers are cautioned not to place undue reliance on any such forward-looking statements. All such forward-looking statements speak only as of the date they are made, and Vencore undertakes no obligation to update or revise these statements, whether as a result of new information, future events or otherwise. Although Vencore believes that the expectations reflected in these forward-looking statements are reasonable, these statements involve a variety of risks and uncertainties that may cause actual results to differ materially from what may be expressed or implied in these forward-looking statements.
SOURCE Vencore, Inc.


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Breast Self-Examination
©2007 Jupiterimages Corporation
Completing a breast self-exam is an integral part of a woman's health, which should become a monthly routine beginning as a teenager. Dr. Thomas Frazier, director of the Breast Cancer Center at Bryn Mawr Hospital, recommends that every woman's exam contain three steps: visual, physical, and mental.
- Visual Component: The first step is to visually examine your breasts. In this step you are to get in touch with your body and how your breasts look. First, stand in front of a mirror with your arms at your side. Next, raise your arms above your head. Then, place your hands on your hips and press inward. In each position (arms at side, above your head, and on your hips), look for changes in dimpling, color, or size and shape as well as for any nipple discharge.
- Physical Component: The second step is the physical step. This is a hands-on examination to familiarize yourself with how your breasts actually feel. During this component feel for lumps, swelling, and tenderness. Several methods can be used to examine the breast, such as:
- Spiral (or circle): Move your fingers in a spiral starting at the outside edge of the breast and working your way inward with each circle until you have covered the entire breast.
- Waves (or lines): Beginning under your arm, feel in vertical lines moving across the breast with each wave.
Dr. Frazier recommends examining your breasts using the following clock method:
- While either standing or sitting, raise one arm and use the pads of the fingers on the opposite hand to examine the breast manually as if it is a clock. Starting at 12 go through each time zone gently palpating the breast from the outside toward the nipple until the entire breast has been felt. Repeat this process on the opposite breast. Then, lie down on your back with your arm up, causing the pectoral muscles to be thrown forward, and repeat the physical exam of each breast.The clock method is shown in detail in Dr. Frazier's educational video.
When completing the physical exam, regardless of your preferred method, be sure to gently pinch the nipple to check for discharge and to also examine into the armpits and across the upper chest as these areas also contain breast tissue.
- Mental Component: The third and final step is the mental step. In this step you need to make a mental image of this breast self-exam. This will allow you to compare how your breasts look and feel this month versus next month versus the next month. It is recommended that you get into a monthly routine and try to complete the breast self-exam at the same time each month. Any changes that appear should be promptly reported to your physician even if you've had a recent mammogram or breast exam. You are the best judge of changes within your own breasts, and any changes of any kind should be promptly reported to your physician.
© iStockphoto.com/Sandra Gligorijevic
Finally, to get a better idea of these breast self-exam steps please view the video.


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PMI funds for Malawi have helped more children reach their fifth birthday. Death rates in children under age five have fallen 48 percent since 2006.
Learn more »
The U.S. Mission Uganda and the Government of Uganda's Ministry of Health today marked a significant milestone in the fight against malaria in 10 northern districts. The U.S. President's Malaria Initiative (PMI) designed and funded the Uganda Indoor Residual Spraying (IRS) project with approximately $34 million in assistance from the American people. Over the past three years, the project has helped protect three million people from malaria.
Find a collection of the most important news, stories from the field, and new resources from the past six months.
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Accompany the Green Smoke Room (GSR) cannabis with a Gas Mask Bong for R500 only. The device is so cool, especially when you want to inhale without wasting a hit. Here are a few things you must consider while buying a bong;
The environment in which you will use the bong.
How often you will use it; it is twice a week, three times a day or once a month.
Will you be sharing the device or is it for personal use?
What kind of device are you looking for?
Is it your first bong?
And will you be cleaning it often?
Buying a bong does not include picking up the coolest item from any smoke store shelf you come across. Some of these bongs require frequent maintenance and cleaning is a must for the regularly used devices. More important, it would be highly irresponsible on your part to purchase a bong just because it's colorful and tall. Chances are, the device is too big for your lung capacity and you will not be satisfied. With the Gas mask Bong from GSR, you will fill the glass chamber with smoke and draw out a solid hit which is less exhausting. Also, if the chamber is too big to clear the smoke, your second hit will come with a nasty flavor; courtesy of the un-fresh smoke left from the first draw. Even with the best bong from South Africa's finest, GSR, the Gas Mask Bong has a glass chamber that's very fragile. The same case applies for the numerous Glass Bong designs in the market; the smaller the device the better. That way you can spare a small space for storage and you have an easier time handling it.
Most items once bought cannot be returned, so, GSR team handles all fragile items carefully and if it is meant to reach clients in package form, proper precautions are taken to ensure the item arrives untouched and in one peace. Remember, our customer services are there to help you get your first experience. Do not attempt to use any Bong without prior knowledge or without an experienced person to take you through proper procedures. However, these items come in various colors and designs. Some of them carry an attractive appeal that leaves your interior décor exquisite. There is a perfect bong for you and Green Smoke Room is here to ensure you find it.


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Slavery Impacted African lives
Between 800 and 1500 AD European countries began to practice a great deal of human trading in Africa. They used sail all around and brought people to Europe, Asia, and America. Basically they should return after discovering Africa. But Gold, Ivory, oil, cobalt and all other important African wealth and natural resources made them stay. Colonists and missionaries worked together. They did whatever they could to make Africans feel themselves inferior to them for a better domination. Africans were very strong spiritually as God really was among them in all circumstances. In contrast, human bandage, forgetfulness, religion change, immorality, slavery and human trade were put in place. As a result, many Africans were uprooted from their homeland and be brought to foreign countries to serve as slave.
During slavery many of them were tortured, abused and even forced to fight in their armies for what they did not even know the reason for. Many of African slaves intended to escape looking for means and ways to return to Africa. Unfortunately, the lack of means, possibilities and the distance to where they were brought made it impossible.
Many other escaping strategies were implemented in the secrecy as they looked for ways and alternatives to free themselves out of slavery. Most of those strategic attempts to escape were successful as we can notice a great number of black Africans scattered all around the Caribbean, India and Australia. Those who were unable to escape were bound to remain to where they were and continued to serve as slaves. But they did not relentlessly stop to fight for their freedom which they were successful to overcome. The remaining Africans who served as slave in their own land did not have any place to escape. They stayed in Africa to preserve their lands. But did not either stop seeking for ways to free themselves from slavery. They also fought for their freedom and were successful to overcome it by the help of the almighty God. This is a very long history but!!!!
To those slaves who were brought to foreign countries, they lost their families, friends, tribes, cultures and belongings and knowing not how to connect themselves to the roots which they belonged.
This went on from generation to generation. The awareness of returning back home goes far back. The record shows that several organizations where created before 1848 in attempt to encourage the spirit of returning back home: The American Colonization Society, founded in 1816 by Charles Fenton Mercer, In 1811, Paul Cuffee, "a black man who was a wealthy man of property, a petitioner for equal rights for blacks" began to explore the idea of black people returning to their native land . He was convinced that "opportunities for the advancement of black people were limited in America, and he became interested in African colonization." With the help of some Quakers in Philadelphia, he was able to transport thirty eight blacks to Freetown, Sierra Leone in 1815.
The movement has revolutionized over the time, many organizations, churches, groups, communities, private entities are devoted to helping folks to accomplish this life dream of returning back home. Mrs. Sharity Ross-Petit, an attractive African-American woman from Maryland, is the director of what she calls the Motherland Project, one of the organizations providing help to those who are willing to connect to their roots in Africa, http://theamericanmercury.org/2010/04/the-motherland-project/ page 4 to follow…………………….on the paper.
Returning Back To Africa Was Revealed
God is real and always ready to show is love to the oppressed people. The birth of Simon Kimbangu in 1887 marked the end of slavery. In 1921 father Simon Kimbangu the special envoy of the lord Jesus Christ revealed that all of those who were sold in foreign countries will in days to come be returning in their original African land. The land of their ancestors. They will do more to rebuilt Africa and take the advantage of the African wealth that also belongs to them. People may be wondering if how that lost connection will be turning into a reality seeing that culture, family connection even originality among slaves was lost. The answer would simply be that, God never lies. He knows all about the present, past and the future. Everything that was revealed by father Simon Kimbangu had been happening just as he predicted. That is to say, he knew or knows how and when this reconnection will be taking place.
In reality, the first delegation of African American which was led by George Harris began in October 5, 2000 in Kinshasa precisely in the democratic republic of Congo. They were triumphantly greeted by kimbanguist congregation. Now the first harbinger of their trip mystery was marked by a conversation that brother George Harris had in person before a poster of Father Simon Kimbangu that is placed in the Kimbanguist conference room in Kinshasa.
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Compare your loan options in Ohio
With recent changes to payday loan regulations, you'll want to read up before you borrow.
Last updated:
Our top pick: OppLoans Installment Loans
- Min. Loan Amount: $500
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- Turnaround Time: 1 business day
- Loan Term: 9 to 24 months
- Requirements: Direct deposit, meet minimum income requirements, live in eligible state
How does payday lending work in Ohio?In October 2018, Ohio changed its regulations for payday loans – and other short-term loan options – to better enforce the interest rate cap and prevent lenders from charging consumers hefty fees.
Under the Ohio Revised Code Ann. 1321.35 et seq, payday loans have an interest rate cap of 28%. The lender you borrow from must be licensed by the state of Ohio, and when you borrow, you'll face these restrictions:
- Maximum loan amount: $1,000
- Minimum loan term: 91 days
- Maximum loan term: 1 year
- Interest: 28%
- Monthly maintenance fee: 10% of the principal or $30, whichever is lesser
- Origination fee: 2% of a loan amount greater than $500
- Check collection charge: $20
- Prepayment penalty: Lenders can't charge a prepayment penalty
Your loan may be less than 91 days if the total monthly payment on your loan doesn't exceed 6% of your gross monthly income or 7% of your net monthly income, whichever is greater.
These laws make payday loans more difficult to come by, so you should expect to find more lenders offering installment loans. Make sure you review your loan contract carefully. If a lender doesn't abide by these new regulations and attempts to charge you excessive fees, stay away. There are plenty of lenders out there, so don't settle for one that's willing to skirt the law.
Compare your loan options in Ohio
What happens when I get a payday loan?
Lenders are required to provide you with a loan contract must be provided to you and include the terms and conditions of the loan, the total amount you need to pay back to your lender, when your payments are due and a warning about the high cost of a short-term loan.
If you agree to take out a loan, you have the right to cancel your loan by 5 p.m. on the third business day after your loan contract is finalized. A lender is also limited in the amount of times it can attempt to collect your payment: it is not permitted to collect from your account after two failed consecutive attempts.
Ohio law also sets a cap on the total amount you can have out at any time. You may have no more than $2,500 in short-term loans borrowed and will be required to sign a declaration that you can legally borrow the loan.
What are the alternatives to payday loans?
Payday loans, and other short-term loan options, aren't always the right choice if you're struggling with bills and have consistent financial issues. To lower your daily costs, you may want to look into assistance programs like Medicaid, the Emergency Food Assistance Program (TEFAP) or the Home Energy Assistance Program (HEAP). You can also browse your other payday loan alternatives to see how else you can avoid taking out a high-cost loan.
Bottom line
With recent changes to Ohio's payday loan laws, you're in a better position to save money when you need a short-term loan. However, this doesn't mean it won't cost you. Payday loans are still an expensive option, so carefully compare your options before settling on a lender.
Have any more questions about payday loans in Ohio?
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If someone took out a title loan with unreal payback rates can they take your car
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With a beautiful face and delicate build, he comes in every month on the same day to buy flowers, but who are they for? Should I get the nerve to talk to him? Or would it be weird to talk to him after all this time…? Guided by the small of spring, the buds that have sprouted in their two hearts burst into bloom. Outside of the title story – an eruption of high school fantasies?! Sweet, agonizing love at the age of 17, and new works, all included in this complete collection of short stories!
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Scrotum piercing tumblr
Additionally, many of us find the visuals to be as exciting as the sensations. Diane kruger sexy. Prince Albert Healing time: Drawbacks of Pubic Piercings: Any one with nipple piercings knows this is not a very practical idea. Scrotum piercing tumblr. This placement is suited only to men who have a large and well defined rim at the corona in which to place the jewelry. The name is said to derive from the Dyaks in Borneo.
Also, receive notifications of new posts by email. Brazzers network tour3. Usually done when a baby or very young, too young to give informed consent. You can only get a dolphin piercing if you already have a traditional PA piercing that's well healed. There is a physiological basis for increases in sensitivity in pierced areas. Users Tags Web Tags. Facebook Google Twitter Tumblr Pinterest WhatsApp More Reddit LinkedIn Pocket Email Print. More commonly, branding scars achieved by pressing heated metal on the skin can be safely done on the genitals, though this is still not something you see very often even in body mod forums.
Most men go for ladders on the underside of the penis, sometimes extending around the scrotum, ending in a guiche.
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Most professional piercers will refuse to do anal piercings; they're just too risky and have a low satisfaction rate. Catherine mccormack pics. There are three glans piercing options that any man can get, and a fourth option for uncircumcised men: Perhaps searching can help or go back to Homepage. They give the penis a ribbed feeling that's amplified by each frenum piercing you add to your collection.
Submitted by Chainz in Male Hafada Experiences on April 9th, Got three hafadas from Kay Davis over at Dream Illustrations in Chillicothe, Il. I also got another Lorum, I know technically you can only have one, but my first one was placed a little high and is just a very low frenum. Scrotum piercing tumblr. Require a piercer experienced in this type of procedures, and there are not many of them out there.
Painful Pleasures Latin America. Enter your email address to subscribe to our newsletter with discount offers. Ampallang and Apadravya not for pleasure of piercee but pleasure of a sex partner, Guiche like most other body piercings most energetically effective when precisely in Chakra center like in acupuncture , Frenum piercings only heal well when across frenum line on bottom of penis Mother Nature's rule.
Today she was closed, but since i drive a ways, I was singing at a nursing home so I decided to ask if she could possibly come up there to pierce the scrotum and she said yes!
We can meet your desires with Simple and Advanced APIs for all your app-building needs. Chicks in skirts. Although you could wear a straight barbell in a lorum piercing, most men opt for circular barbells or captive rings.
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Main menu Skip to primary content. Placed the same way a Frenum is, it sits at the base of the penis just before the scrotum. Home About Us Blog Suggestions Photo Blog Store. Aches and pains Cursing and swearing. Interview with Halo Apr 24, But yes, if you think about it, all of those nerves that weren't exposed before are now readily available to stimulate, I bet it feels mind-blowing: Because of the delicate positioning of anal piercings and people's varying attentiveness to aftercare, anal piercings can take anywhere from 6 weeks to 6 months to heal.
This can add some sensitivity since it interacts with the glans, and isn't a very intimidating piercing as it doesn't go through a large amount of flesh like an Ampallang or Apadravya. Scrotum piercing tumblr. Another common query is whether genital piercings can be used with condoms or if they cause condoms to break. They can be placed anywhere along the penile shaft--even on the sides, although that position is less common than traditional frenum and dorsal frenum piercing placements. Chelsea handler fucking. Drawbacks of Dydoe Piercings: Also, receive notifications of new posts by email.
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Although every report is reviewed, reporting does not gaurantee a post will be removed. The escort is very well-behaved and will not disrupt the shoots, I tell them every time that it is important to not bother the photographer. I do not intend on getting any more piercings for the time being. Joshua Going New York, NY. Neil Craver Winston Salem, NC. She thinks that she will then be financially secure as she does not like to Work.
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The lure of a big return on capital investments has always thrown investors into the lap of share markets.
However, making money in equities is not easy.
It requires not only oodles of patience and discipline, but a great deal of research and a sound understanding of the market , among other things.
Added to this is the fact that share market volatility in the last few months has left investors in a state of confusion. They are in a dilemma whether to hold or sell, or invest in such a scenario.
So, here are the top 11 share market tips for you to know, before you start investing.
In this article
- 11 Things To Know Before Investing In the Stock Market
- 1. Set Financial Goals
- 2. Take Informed Decisions
- 3. Understand Your Risk Tolerance
- 4. Control Your Emotions
- 5. Portfolio Diversification
- 6. Avoid Borrowing Money to Invest
- 8. Timing the Share Market
- 10. Have Realistic Expectations
- 9. Follow a Disciplined Investment Approach
- 11. Periodically Monitor Your Investment
- Conclusion
11 Things To Know Before Investing In the Stock Market
Here are 10 share market tips that will help you in your investment journey.
1. Set Financial Goals
Why are you considering investing in the share market?
Will you need your cash back in six months, a year, 5 years, or longer?
Before investing, you should know your purpose and the likely time in the future you may need the funds.
Consider another investment, if you are likely to need your investment returned within a few years. The stock market with its volatility provides no assurance that all of your capital will be available when you need it.
Remember that the expansion of your portfolio depends upon three interdependent factors:
1.The capital you invest
2.The amount of net annual earnings on your capital
3.The number of years or period of your investment
Ideally, to receive the highest return possible you should start saving as soon as you can and save as much as you can. This should be consistent with your risk philosophy.
2. Take Informed Decisions
You must not and SHOULD NOT take equity investment decisions in a hurry.
Appropriate research should always be undertaken before investing in stocks. But that is rarely done.
Investors generally go by the industry they belong to, or a famous company. However, this is not the right way of putting one's money into the stock market.
Think your move through. Look at the long-term. Always tread on a goal-oriented approach. You might reflect that redeeming your money is a good option, but it may not be.
3. Understand Your Risk Tolerance
One of the biggest obstacles faced by equity investors, is a poor understanding of their risk tolerance.
The simplest definition of risk tolerance is a strength of mind of how much risk you are willing to take, with respect to your investments including risk to the principal amount invested.
Risk tolerance is a psychological trait that is genetically based, but positively influenced by education, income, and wealth (as these increases, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases).
How you feel about risk and the degree of anxiety you feel when risk is present is your risk tolerance.
In common practice, younger persons who have less family responsibilities are more risk tolerant as compared to persons who have greater family obligations or are closer to retirement age.
You should shape your investment portfolio depending upon the level of risk tolerance that is satisfactory to you.
For instance, equities are classic high risk – high returns investments, while debt investments on average have a lower level of risk while featuring comparatively lower returns.
During periods of financial improbability, the investor who can retain a calm head and follows an analytical decision process perpetually comes out ahead.
4. Control Your Emotions
The biggest barrier to stock market profits is lack of ability to control one's emotions and make logical decisions.
Many investors have been losing money in stock markets due to their lack of ability to control emotions, above all fear and greed.
In the short-term, the prices of companies reveal the combined emotions of the entire investment community.
When a majority of investors are worried about a company, its stock price is likely to decline and when a majority feel positive about the company's future, its stock price tends to rise.
A person who feels pessimistic about the market is called a "bear," while their optimistic counterpart is called a "bull."
During market hours, the constant battle between the bulls and the bears is reflected in the constantly changing price of securities.
These short-term movements are driven by rumours, speculations, hopes and emotions, rather than logic and a systematic analysis of the company's assets, management, and prospects.
5. Portfolio Diversification
As an investor, you should always look to expand your portfolio and limit your exposure to a specific type of investment.
The widely held way to manage risk is to diversify your exposure.
Wise investors own stocks of different companies in different industries, sometimes in different countries, with the hope that a single bad event will not affect all of their assets or will otherwise affect them to different degrees.
There are 3 major categories of stocks within a particular sector of industries:
|Large cap stocks
|Risk is lowest when you choose to invest in stocks of large well-established companies
|Mid cap stocks
|Risk gradually increases as you shift towards stocks of small companies
|Small cap stocks
|These stocks are highly risky
Through diversification, the individual risk of each type of investment or revelation to a particular type of investment can be minimized by the investor.
Diversification of portfolio across asset classes and instruments is the key factor to produce optimum returns on investments with minimum risk.
Level of diversification depends on each investor's risk-taking capability.
6. Avoid Borrowing Money to Invest
In a margin account, banks and brokerage firms can lend you money to invest stocks, more often 50% of the purchase value. Avoid this kind of leverage to invest.
Let me explain why.
Let's say if you wanted to buy 1000 shares of a stock trading at Rs. 100 for a total cost of Rs. 1,00,000, your brokerage firm could loan you Rs. 50,000 to complete this purchase.
Suppose the stock moves to Rs. 200 a share and you sell it.
If you had used your own money exclusively, your return would be 100% on your investment [(Rs. 2,00,000 – Rs. 1,00,000) / Rs. 1,00,000].
If you had borrowed Rs. 50,000 to buy the stock and sold at Rs. 200 per share, your return would be 300 % [(Rs. 2,00,000-Rs. 50,000) / Rs. 50,000] after repaying the Rs. 50,000 loan and excluding the cost of interest paid to the broker.
It sounds great when the stock moves upward but think about the other scenario.
Suppose the stock falls to Rs. 50 per share rather than doubling to Rs. 200, your loss would be 100% of your initial investment, plus the cost of interest to the broker [(Rs. 50,000 – Rs. 50,000) / Rs. 50,000].
Leverage is a tool best used after you acquire experience and confidence in your decision-making abilities. Limit your risk when you are starting out to make sure you can profit over the long term.
7. Avoid Herd Mentality
It's true that emotions and not logic rules the common investor's decision making.
History suggests that large groups can be incorrect but we refuse to believe it. A typical investor's choice is usually influenced by the actions of his relatives and acquaintances.
When markets rise constantly, majority of investors speculate that it will reach further highs and they continue to boost their investment.
Another herd way of thinking keeps you out of market bottoms. Herd mentality prevents you from buying at the base as panic hits the market and most of the investors are stating that market will crash more.
The world's best investor Warren Buffett was certainly not wrong when he said, "Be fearful when others are greedy, and be greedy when others are fearful!"
So, do not follow the herd blindly when making mutual fund investments, instead research the prospective fund before you sign up for share market investments.
Financial analysts themselves say it is ineffective. In the words of Warren Buffet,
"Market predictions can distract investors from making good stock purchases"
It's a waste since not only do you miss out on very good investment opportunities, you also miss out on buying the units at a lower price.
If you enquire with me or any other expert for that matter, they will tell you that investing when the market is low is most likely the best, because, this is when you can apply the concept of 'buy low, sell high'.
So, you should by no means try to time the market.
In fact, nobody has ever done this productively and consistently over multiple business or stock market cycles.
Catching the tops and bottoms is a myth. It is so till these days and will remain so in the future.
In fact, in doing so, more individuals have lost far more money than people who have made money.
10. Have Realistic Expectations
Hoping for the best from your investments is never wrong, but you could be heading for trouble if your financial goals are based on unrealistic assumptions based on the past performance of stocks.
For instance, lots of stocks have generated more than 100% returns during the great bull run of recent years.
But, it doesn't mean that you should always expect the same kind of return from the stock markets.
9. Follow a Disciplined Investment Approach
In times gone by it has been witnessed that even great bull runs have shown bouts of panic moments. The instability witnessed in the market has unavoidably made investors lose money despite the great bull runs.
However, investors who put in money methodically, in the right shares and hold on to their investments patiently have been seen generating terrific returns.
Hence, it is prudent to have patience and follow a well-organized investment approach.
11. Periodically Monitor Your Investment
It is very important to monitor your investment and review it periodically, as an important event happening in any part of the world does have an impact on the stock market.
Also, any financial event related to a particular company or sector impacts stock price.
Equity investments traditionally have enjoyed a return significantly above other types of investments while also proving easy liquidity, total visibility, and active regulation to ensure a level playing field for all.
Investing in the stock market is a great chance to build large asset value for those who are willing to be consistent savers, make the necessary investment in time and energy to gain experience, correctly manage their risk, and are patient, allowing the magic of compounding to work for them.
The younger you begin your investing avocation, the greater the final results, just remember to walk before you start to run.
Happy Investing!
Disclaimer: The views expressed in this post are that of the author and not those of Groww


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Cute Mini Barbie Girl
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Diamonds and Dogs
Not feeling so Blue. Bluebird Bio (BLUE) is jumping 5% on strong volume as Goldman Sachs added the stock to their Conviction Buy list with a $135 price target. Impressive since the stock is only trading at $66 a share. Bluebird is only generating $13 million in sales, losing over $6 a share in earnings and yet Goldman says the company should be worth $5 billion. You got to admire this analyst stepping out on a ledge.
Wells Fargo faces more headline risk. Wells Fargo (WFC) is down for the fifth straight day after news broke last week that thousands of Wells Fargo employees allegedly created 2 million accounts in a widespread scheme to reach aggressive sales goals and earn bonuses. 5300 employees are being let go involved in this scandal. Since the news broke last week, Wells Fargo has been fined $185 million by the U.S. Attorney's Office of the Southern District of New York and Northern District of California. UBS downgraded the stock to a sell. The CEO, John Stumpf is under fire to step down while he will also testify before Senator Elizabeth Warren and other senators next week. Other than that, things are good at Wells Fargo.


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a. TERMINAL LEARNING OBJECTIVE. In a summer mountainous environment, conduct military aid climbing, in accordance with the references.
4. METHOD/MEDIA. The material in this lesson will be presented by lecture and demonstration method. You will practice what you have learned in upcoming field training exercises. Those of you with IRF's please fill them out at the end of this period of instruction.
5. EVALUATION. This period of instruction is a lesson purpose class.
TRANSITION: Are there any questions over the purpose or how the class will be taught? Before discussing how to military aid climb, we will talk about what aid climbing actually is.
1. (5 Min) INTRODUCTION TO AID CLIMBING. A free climber depends entirely on his footwork, ability, skills and physical strength to move up the rock face. The equipment used while free climbing is for safety; i.e., protection. Equipment is not used to ascend the rock directly. If you were to place a piece of pro and hang on it, or use it to reach a higher hold, you would not be free climbing in the "pure" sense of the word. Any use of equipment to directly ascend a rock face is called aid.
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This set is dedicated to all woman who feel strong and confident! You are fabulous , I am fabulous :D
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Jumpsuit clothing by Alexandra_Sine: Download here
If you need help to install the pose into your game, please email me or leave me a message down below, and i will send you the full tutorial in your mailbox.
Credits: granthes for the "One more Slot Please" and cmomoney for the pose player.
Short URL: http://www.thesimsresource.com/downloads/1250658
ItemID: 1250658
This Creation requires what's listed below in order to work properly.
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Adam Brooks
Associate Athletics Director for Development
(559) 278-2790
Adam Brooks has been with the Bulldog Foundation since September of 2011, where he started as a Development Assistant. Adam was promoted to Associate Director of Development where his primary responsibilities were assisting with annual fundraising, priority seating, parking, special events, and providing customer service to current and prospective donors. Since 2017, Adam has served in his current role as Assistant Athletics Director for Development. He is responsible for managing a portfolio of Green V Society and major gift prospective donors, supporting all aspects of the Scholarship Fund and capital gifts, and handling donor relations in the South Valley regions of Bakersfield, Hanford, Lemoore, Visalia, and Los Angeles.
Prior to arriving at Fresno State, he worked as an Annual Giving Assistant at The University of Arizona. During his time with UofA, Adam was responsible for the Wildcat Club's Young Alumni Program and Student Wildcat Clubs. Adam received his undergraduate degree from The University of Arizona, majoring in Psychology and minoring in Sports Management. He received his Masters in Kinesiology with an emphasis in Sport Management from Fresno Pacific University in 2013.
Adam is a native of Queens, NY and currently resides in Fresno, CA with his wife Kasandra and their two dogs, Fred and Bentley.


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The Tsunami from SoundTraxx and the QSI decoders, as used in BLI, Atlas, Life-Like, etc. locos, are tamed with a programming track booster. Safe for all decoders, so may be left connected all the time for simple, flawless programming.
Includes a "wall-wart" type power supply for 115 VAC mains.
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The English robin and blackbird are two common birds in England. I see and hear them everywhere I go.
They are not quite like what you think of in America. The English robin is in the thrush family (as is the American robin), is the size of a sparrow, and looks like this.
Its song is soft, a series of high-pitched warbles or twitters.
The blackbird is completely black, with an orange-yellow bill and eye ring.
It, too, is in the thrush family. Its song is bright and cheery, a lot like the robin or wood thrush in America.
I took both of these photos…from the internet! I do not have the equipment to get excellent close-up shots like these. What a help the internet is!
This morning I did office work.
For lunch we met with Edgar, originally from Zimbabwe, and his British wife. and her pastor. We had far-ranging conversations about past BIC missionaries and their influence on our lives; grandchildren (Edgar and his wife have twin grandchildren, born just a few weeks ago); the diversity in the Anglican Church; and our trip to Spain and the state of the church there.
Then we went downtown by bus. It happened to be a double-decker, so we went to the upper level and enjoyed the view.
We went to Leicester Square to check out tickets for the new musical Oliver and found out there are no tickets for tonight and that there are no reduced-price tickets at all, so we reluctantly gave up on seeing that musical.
The weather is cold and windy again today, so I bought a stocking cap. Who would have thought it? – needing a stocking cap in the month of May!
On the way back to the Underground we walked through Piccadilly Circus and admired the famous sculpture of four horses.
Back at our hotel, I spent the whole evening working on reports and other office work while JoLene read.


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Journal of
Legal Research
Number 17
Vol. IX No. 1
Spring –Summer 2010
Managing Editor: Vahid Eshtiagh
Editor-in-Chief: Seyyed Ghasem Zamani
Claim Description in the Law and Judicial Practice
Abdollah Khodabakhshi (ph.D.)
Fundamental principles of UNCITRAL Electronic Communicatio
ns Convention (With Reference to Iran's Electronic Commerce Act)
Ali Rezaee
Social Security Components in Criminal Laws
Javad Salehi
Recognition in International Law: Legal Effects of Recognition of
Kosovo, South Ossetia and Abkhazia
Seyed Yaser Ziaee
Principles of Conflict of Evidences
Rahman Amrevani
The Effects of the International Criminal Law in the Middle – East; from the Saddam's Trial to the Hariri's Accused Prosecution
Yalda Mozafarian
Special Issue: The Stock Exchange
(Some Considerations on the Law of Iran and other Countrise)
Fundamentals of Obligation for Providing Information to Stock Exchange
Mohammad Nowruzi
Comparative Study of Prohibitions of Insider in Securities Dealing in E.U., English, French and Iranian Laws
Seyed Elhamodin Sharifi (Ph.)
Shaghayegh Beheshti
Some Considerations on the Offense of Insider Trading
Gholamali Mirzaei Monfared
Combating the Securities Fraud in the Stock Exchange (The Case of the U.S.)
Vahid Eshtiagh (Ph. D.)
Some Considerations on Judgments about the Insider Trading in the Stock Exchange
Alireza Mohammadi
The Stock Broker Liability and the Process of Bringing the Case before the Proper Forum
Hossein Ghorbaniyan
The Liability of Brokers for the Unauthorized Transaction of Securities in the Approach of Arbitration Bord
Mohaddeseh Fereidoon
Kourosh Kaviani (Ph. D.)
Sukuk's Rule in Financing the Projects and its Rules and Regulations
Maryam Ebrahimi
Arbitration of Disputes in Commercial Paper Market
Saleh Yarmrali
The Nature and the Jurisdictions of the Board of Arbitration of the Stock Exchange
Ebrahim Abdipour (Ph. D.)
Mohammad Bagher Parsapour (Ph. D.)
Alireza rajabzadeh (Ph. D.)
The Rules Governing the Formation of Public Joint-Stock Companies in light of the Securities Market Act of The Islamic Republic of Iran (2005)
Mohammad Soltani (Ph. D.)
Legal Consequences of Iran's Accession to WTO on Securities Service
Mohsen Sadeghi (Ph. D.)
Cross-Border Stock Exchange Mergers: an Illusion or a Reality?
Aramesh Shahbazi (Ph. D.)
Critique and Presentation
Some Consideration on the "ICJ'S Kozovo Advisory Opinion"
Abdollah Abedini
Considerations on the Concept of the 'Aggression' in the Review Conference of the Statue of International Criminal Court
Zeinab Pourkhaghan
Some Critics on the Modern Law of Compulsory Insurance of the Owners of Vehicles 2008
Nasrin Tabatabai hesari
The Non-Traditional Trademarks
Sooreh Sadeghi
Resolution 1929 of the Security Council: The Challenges of the Power and the Right in a Divided world
Nader Saed (Ph. D.)
The 6 th Round of the moot Court Simulation of the International Criminal Court's Session (2010 Summer and Autumn)
Saeed Farhadnia
Esmaeel Taver
Aliakbar Siapoosh
Claim Description in the Law and Judicial Practice
Abdollah Khodabakhshi (ph.D.)
Legal description is to place the different subjects and issues under the
proper Legal title. To describe the claim in proper manner, the intention of the claimant should be cleared, the terms and the conditions should be crystallized and any mistakes may cause to rejection of the claim. There are some obscurities in the legal description of the claim in the law and practice in Iran's legal system.In thisarticle we will analysis the challenges and problems of the legal description of the claim in Iran's Law and practice.
Keywords: claim, Claimant, Jurisprudence, Legal Proceedings
Fundamental principles of UNCITRAL Electronic
Communications Convention (With Reference to Iran's Electronic Commerce Act)
Ali Rezaee
UNCITRAL Electronic Communication Convention is the last codified doucument in electronic commerce area that may treat as continuing process of harmonization of different legal systems in this ground. This Convention adopte by the United nations General Assembly on 23 November 2005. Until now, it has been signed by Lebanon, Senegal, Central African Republic, China, Singapore , SriLanka, Madagascar, Sierra Leone, Paraguay and Russian Federation.
Some of Countries also, promise to sing this convention, protected by this and put emphasis on its importance in electronic commerce area.This paper, in addition to introduce definition and background of this document, analyze the principles and rules and exclusion of it and advantage to international trade and great efforts that conduced for creation of utmost harmonization of different systems of law in context of electronic communications law .In this essay, was attempted that consider most of concerned legal documents. In the middle of this query, corresponded articles of electronic commerce act of our country with articles of convention and in order to harmonization and removal of defects, has introduced suggestions and actual guidelines.
Keywords: UNCITRAL Electronic Contracts Convention, Electronic Communications, Technological Neutrality, Comparative Law, Iranian Electronic Commerce Act [IECA]
Social Security Components in Criminal Laws
Javad Salehi
Security is an important element to well protect of the rights and dignity of the humankind.Social security as a part of security brings many new challenges for the States. Therefore the States have great concerns about providing the proper social security by ratifying and ensuring the proper rules and regulations. In this essay we will analysis different aspects of the social security in realm of criminal law.
Keywords: Social security, Individual Security, Judicial Security, Criminal Law, Reputation
Recognition in International Law: Legal Effects of Recognition of
Kosovo, South Ossetia and Abkhazia
Seyed Yaser Ziaee
After the unilateral declaration of independence of Kosovo Parliament in February 17, 2008 the contradictory responses of the subjects of international community arose, which fluctuate from declaration of official support and instituting of embassy in Pristina – Capital of Kosovo- to convicting it and imposing sanction on it. One Way to inform support of these kinds of independence is to recognize it. Until now (August 2010) 70 states have recognized Kosovo, albeit less of them explicitly rejected to recognize it. Other states are alongside of this spectrum. We witnessed recognition of two autonomous provinces of Georgia namely South Ossetia and Abkhazia by Russia and then Nicaragua after the war in Georgia in August 27, 2009. In this paper we will analysis the status of recognition in international law and what are legal effects of the recognition of Kosovo, South Ossetia and Abkhazia. This article with proposing and introducing of the Doctrine of Recognition and applying it in these three situations tries to solve the problems of adverse recognition of States.
Keywords: Recognition, International legal personality, International law, Elements of Statehood, Kosovo, South Ossetia, Abkhazia
Principles of Conflict of Evidences
Rahman Amrevani
Conflict of evidence is one of the main and useful subjects at legal system of any countries. The main question which must be considered in this article, is for example in the situation of conflict between expert opinion and testimony, or conflict of testimony and hearsay or conflict of document and expert opinion, which one has more probative value and as a result will be taken priority. The main purpose of this article is to find a formula solution as to the Conflict of evidence in civil action. For this purpose first of all the evidence has been divided into legal evidence and persuasive and next by regarding to the necessary condition of contradiction, namely existence of at least two evidence, mutual incompatibility and rebut each other, unity of matters and probative validity, finally some rules and solution has been propounded through which we can solve the problems of contradiction between evidence.
Keywords: Conflict of Evidence, Probative value, Probative Power, Persuasive Evidence, Legal Evidence
The Effects of the International Criminal Law
in the Middle – East; from the Saddam's Trial
to the Hariri's Accused Prosecution
Yalda Mozafarian
The trial of famous criminals has been always one important objective for human society. In order to achieve this objective we need to obey the international criminal principles which include principles of a fair
Trial and human rights. That is why the trial of saddam Hussein and the accused of Hariri's accused prosecution are important. The Hariri's case is especially different from other international cases; this is because of the fact that the jurisdiction of this tribunal is for terrorisms acts while the jurisdiction of the other is restricted to the international crimes such as war crimes. Particularly the statues of these two tribunals are impressed by the international criminal principles. This means the international criminal law is spreading worldwide even in the Middle East and Islamic World.
Keywords: International criminal Law, Iraq High criminal Court, Special Tribunal for Lebanon, Fair Trial Principles
Fundamentals of Obligation for
Providing Information to Stock Exchange
Mohammad Nowruzi
The recent evolutions in conditions of economic relations have prompt the scientists of the school of law and economics to make changes in contract law for the purpose of protecting the weaker classes. One of the changes in contract law is creation of the theory of obligation for providing information in stock exchange of which the first aim is to protect investors, but indirectly increases the prestige of listed companies and reduces the costs of fighting against fraud in market.The mentioned theory is designed in such a way that results into the wide disclosure of all dimensions of listed companies. This article seeks to identify the theoretical basis of the obligation for providing information for stock exchange and then it will represent the principles of performing this obligation.
Keywords: Prestige of Companies, Fraud in the Market, Investors Protection, Market Efficiency, Disclosure Principles
Comparative Study of
Prohibitions of Insider in Securities Dealing
in E.U., English, French and Iranian Laws
Seyed Elhamodin Sharifi (Ph.)
Shaghayegh Beheshti
In direction of supporting from credit and security of capital market and confronting with unsuitable usage of inside information in securities dealing, it has been prescribed the prohibitions of using the information by acquiring or disposing transferable securities, disclosing inside information and recommending or inducing others to deal on the basis of inside information, for insider, in European Union Directive.
In Iranian law system, Securities Market of Islamic Republic of Iran Act approved 1384 has just specified two types prohibition usage of inside information and providing means of disclosure and propagate information with general and glance expression in direction of compensation of many years legal vacancy in related to subject as penal procedures.
In this article, the historical record of subject and then influencing prohibition on insiders in European Union Directive, legal systems of England, France and Iran will be previwed.
Keywords: Securities Dealing, Inside Information, Insiders, Iranian Legal System
Some Considerations on the Offense of Insider Trading
Gholamali Mirzaei Monfared
In order to have a fair and transparent Securities Market, equal access of corporation's information for the participants of the Market is required and the transaction of securities should be based on information formally discloses to public. The reasons of criminalization of insider trading may be different with regard to information in access, cause loss to other participants who bought stock in high price or sold in low price. Furthermore, insider trading makes distrust the Market and its accurate and true function will be hurt. So, whereas the innovation of the offense in this article, we will deal with legal and criminal aspects of the offense and its different elements.
Keywords: Insider Trading, Security market, Transparency, Stock
Combating the Securities Fraud in the Stock Exchange
(The Case of the U.S.)
Vahid Eshtiagh (Ph. D.)
Securities fraud is a practice that induces investors to make purchase or sale decisions on the basis of false information, frequently resulting in losses, in violation of the securities laws. It consists of deceptive practices in the stock and commodity markets, and occurs when investor are enticed to part whit their money based on untrue statements. Therefore the securities fraud includes outright theft from investors and misstatements on a public company's financial reports.
It also encompasses a wide range of other actions, including insider trading, front running and other illegal acts on the trading floor of a stock exchange. In this article, by focusing on the legal order of the US, we will analysis the fraud and try to provide a model of combating this phenomenon towards the relevant rules and regulations.
Keywords: Stock Exchange, Marketplace, Insider Trading, Law of the United States, Fraud, White Collar Crimes
Some Considerations on Judgments about
the Insider Trading in the Stock Exchange
Alireza Mohammadi
Insider trading is the trading of a corporation's stock by individuals with potential access to non- public information about the company. In most countries, trading by corporate insiders such as officers, key employees, directors, and large shareholders may be legal, if this trading is done in a way that does not take advantage of non-public information. However, the term is frequently used to refer to a practice in which an insider or a related party trades based on material non-public information obtained during the performance of the insider's duties at the corporation, or otherwise in breach of a fiduciary or other relationship of trust and confidence or where the non-public information was misappropriated from the company. In this article we will analysis the decisions taken after ratification of the 1384 law of the stock exchange in Iran and recognition of the illegal insider trading by some criminal and contractual liabilities.
Keywords: Stock Exchange, Insider Trading, legal Jurisprudence, Liablitiy, Crime
The Stock Broker Liability and the Process
of Bringing the Case before the Proper Forum
Hossein Ghorbaniyan
Normally the broker-dealer is responsible for losses in result of the violation of the securities laws. In this Article we will analysis the possibility of the civil responsibility of the broker and the institution of a lawsuit against a broker to recover the losses suffered.
Keywords: Civil Responsibility, Contractual Responsibility, Stock Broker, Jurisprudence
The Liability of Brokers
for the Unauthorized Transaction of Securities
in the Approach of Arbitration Board
Mohaddeseh Fereidoon
Kourosh Kaviani (Ph. D.)
Nowdays, arising unauthorized transaction of securities by the brokers is one of the current problems for investor, in the capital market.
Legally, unauthorized transactions of securities are diffeent from other transcations. For example in order to find the " acceptance" of owner there exist many different and questionable signs which are really distinguished from other transactions.
Furthermore in the case that the owener refused the transaction decisively, relevant the quickness of the transactions and relevant the impossibility of change in the system, there is no way to take back the shares from the true party. Therefore we should found a suitable way for paying full compensation of owner that would be agree with legal rules and principles may be also sufficient for the investors of capital market.
Regarding the subject, this article focus on the arbitration board's verdicts, the expert authorities for settlement of such disputes, and also this article based upon legal principles, examine the relevant regulations.
Keywords: Unauthorized Transaction, Broker, Arbitration Board, Securities
Sukuk's Rule in Financing the Projects
and its Rules and Regulations
Maryam Ebrahimi
Debt markets are an integral part of the financial sector and effectively supplement the funds provided by the banking sector. In emerging economies these markets are still at an early stage of their development. Islamic law prohibits the charging and paying of interest. Therefore, in countries where Muslim population constitutes an important segment of the society, traditional debt markets cannot flourish. Hence there is a high demand and need for developing alternatives to traditional debt markets that can be acceptable to the Islamic law.
As a result, there has recently been a rapid growth of a thriving multibillion Dollar market in Shari'ah compliant sovereign and corporate Islamic structured financial instruments known as Sukuk. Risk management requirements and considerations for competitiveness should force the Sukuk structures to further evolve and offer shari'ah compliant alternatives to traditional derivatives.
Without Sukuk structures with such depth, the financial markets may not fully develop in many emerging economies.The objective of this research id to review the evolution of Sukuk markets, describe the Sukuk legal structures in Iran, with emphasis on Sukuk- Al-Ijarah. Also the different structures of the various corporate and sovereign Sukuks, the various risks underlying Sukuk structures with a legal point of view will be analyzed.
Keywords: Sukuk, Risk Management, Shari' ah, Finance Project
Arbitration of Disputes in Commercial Paper Market
Saleh Yarmrali
Arbitration delegation forenamed in the law of commercial paper market, (1384), investigation the disputes of commercial paper market will a compulsory nature as a semi-judiciary resource. Two kinds of jurisdictions are predicted for the arbitration delegation one of which is common and the other one is private jurisdiction.
Before the investigation of the arbitration delegation, the considered dispute should necessarily be referred to the related institutes. In case of not reaching on agreement, the arbitration delegation starts its investigation automatically.
Indeed the structure, ceremonies, procedure of trial and the pronouncement for the arbitration of disputes, brings the delegation far closer to the legal judicial organs.
Keywords: Arbitration Delegations, Commercial Paper Market, Institute, Obligatory Arbitration, Semi-judicial Reference
The Nature and the Jurisdictions
of the Board of Arbitration of the Stock Exchange
Ebrahim Abdipour (Ph. D.)
Mohammad Bagher Parsapour (Ph. D.)
Alireza rajabzadeh (Ph. D.)
In line with Article 36 of Stock Exchange Law enacted in 2005, the settlement of disputes among stock exchange practitioners or relevant third parties raised from the involvement in such affairs has been exclusively vested in the board of arbitrators of stock exchange market. Some significant issues concerning the jurisdiction and the judicial nature of this board have been raised. The jurisdiction of the arbitrator board has been expanded compared with the past covering cases which were previously dealt by legal advisors. Due to the lack of general conditions for arbitration such as it's optionally nature, the judicial nature of the arbitration here has fundamental differences with ordinary arbitration and only a nominal similarity can be seen.
Secondly, due to the absence of necessary requirements, it cannot be called legal authority either. It seems to be more similar to non-judiciary authority
Keywords: Stock Exchange, Board of Arbitration, Judicial Nature, Jurisdiction
The Rules Governing the Formation
of Public Joint-Stock Companies in light of the
Securities Market Act of The Islamic Republic of Iran (2005)
Mohammad Soltani (Ph. D.)
The rules governing the formation of public joint-stock companies have been transformed fundamentally after the approval of Securities Market Act of The Islamic Republic of Iran. Before the approval of this Act and under the Amendments of Commercial Act, public joint- stock companies, which are distinguished from other types of companies by the characteristic of issuing prospectus and gathering the capital from the public, were not required to obtain any specific license for the formation, other than registration at the Companies Registration Office. But, according to the regulations of the Securities Market Act, any establishment of public joint-stock company is conditional on the previous license provided by the Securities and Exchanges Organization. In reality, the Company Registration Office permits the issue of prospectus just after the consent of the Organization and meeting other requirements. In addition, Securities and Exchange Organization controls the mannere of offering the securities and the use of funds paid, and the Company is registered just after the confirmation of the Organization. These arrangements are made for the purpose of ensuring transparency and accuracy of information provided to the public and providing an accurate and clear assessment of economic efficiency of subject matter of Company.
Keywords: Formation of public Join-Stock Company, Subscription, Public Offering, Securities, Securities Market Act of the Islamic Republic of Iran, Securities and Exchange Organization
Legal Consequences of Iran's Accession
to WTO on Securities Service
Mohsen Sadeghi (Ph. D.)
General Agreement on Trade in Services (GATS) as one of the most important Agreements of WTO provides some principles and commitments on services such as exchange services. Countries applicants for accession to WTO have to organize their legal and economic structures in the field of securities section with GATS principles.However, working groups of applicant countries can make some exemptions on flexible principles of GATS because some principles of services section are flexible. Iran, as an observer of WTO has to identify contrasts of securities and exchange regulations and Laws with principles of GATS and provide legal suitable and effective solutions. However, this important issue has not been studide in Iranian legal literature; therefore, this article tries to consider Iranian contrast regulations and suggest suitable and practical solutions to the legislator and working group.
Keywords: World Trade Organization (WTO), GATS, Securities Service Iranian Law
Cross-Border Stock Exchange Mergers:
an Illusion or a Reality?
Aramesh Shahbazi (Ph. D.)
Globalization, internationalization, integration, deregulation, as well as technological advances have provided the impetus for mergers of stock exchanges to facilitate crosspborder; trading; In particular, a stock exchange facilitates investment in a company by multiple investors as opposed to a single investor, Regarding the issue of potential competition between cross-border stock exchanges, the issue of liquidity makes the establishment of a new stock exchange in the home country of another. Thus, the effects of a cross-border stock exchange merger on competition are not likely to be singnificantly adverse. In this article we will analysis the possibilities and consider the different aspects and results of the stock-exchange merger in realm of international law.
Keywords: Stock Exchange Merger, Liqudity, Competition Investment
Some Consideration on the "ICJ'S Kozovo Advisory Opinion"
Abdollah Abedini
International Court of Justice (The Court) rendered its advisory opinion on " Accordance with International Law of Unilateral Declaratiof Independence in Respect of Kosovo" on 22 July 2010. Having issued opinion "Legality of the Threat or Use of Nuclear Weapons" and "Legal Consequences of the Construction of Wall in the Occupide Palestinian Territory" , It was a awaited that Kosovo Advisory Opinion would to be most remarkable consequences than formers. In its operative clause, the Court pointed out, by ten votes to four, "The declaration of oindependence of Kosovo adopted on 17 February 2008 did not violate international law. "
This finding of the Court is lead to surprising of many international lawyers. For not only has came to challenge the question and presumption of General Assembly, but it has alarmed, despite of the Court's great role on keeping of international peace and security, to international legal order.
Keywords: International Court of Justice, Advisory Opinion, Declaration of Independence of Kosovo, Jurisdiction, Discretion Question of General Assembly
Considerations on the Concept
of the 'Aggression' in the Review Conference
of the Statue of International Criminal Court
Zeinab Pourkhaghan
From May 31 to June 11, 2010 in Kampala Uganda, the Review conference of the Rome Statute was held. One of the topics discussed during this conference was the definition of aggression and clarifying the conditions for exercising the jurisdiction of International Criminal Court. Regarding the definition of aggression, the present States in review conference agreed that the provisions of Resolution 3314 the UN Generral Assembly approved Dec. 14, 1974 could be based on the International Criminal Court. In this article we will analysis the different aspects of the conference and the challenges ahead of the concept of aggression in the statute.
Keywords: International Criminal Court, Aggression, Kampala, Review of the Statute of ICC
Some Critics on the Modern Law
of Compulsory Insurance of the Owners of Vehicles 2008
Nasrin Tabatabai hesari
Majority of legal systems with purpose of increasing protection from victims of land transport motor vehicle accidents may recourse to different solutions: strict liability, compulsory insurance, schemes complementary to compulsory insurance. For reaching these purposes the law of "Civil liability compulsory insurance of owners of land transport motor vehicles against third parties" has enacted in 1978 in Iran. But this law has not enough regulations to response new social problems. 40 years from after the ratification of this law, the legislator tries to enact amendments for that and in 2008 enacts a new law. This article review new act regulations and compare this law with the former by focusing on the philosophy of liability compulsory insurance in motor vehicle accidents.
Keywords: Compulsory Insurance, Strict Liability, Owner of vehicle, Compensation for Losses


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2.9 plus
Class Goals
In this classroom, we support the children as they continue to develop their skills. We introduce the "cause and effect" relationship, and provide opportunities for teamwork, negotiation and problem solving. While we operate as one large group, we still encourage the children to be independent and self-confident. Using the various classrooms areas (Dress Up, Blocks, Library, Manipulatives, Art, and Sensory), the children can experience playful learning, creating their own stories through their imaginations.
Typical Day
- Free play
- Morning snack
- Bathroom
- Circle time
- Project
- Outdoor play/ Gross Motor
- Lunch
- Toothbrushing/ Bathroom
- Nap
- Bathroom
- Afternoon snack
- Afternoon groups
- Outdoor play/ Gross Motor
Class size and Ratio
Maximum class size: 12
2 teachers to 12 children, plus floating teacher


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Tournaments | 07.24.19
The Bermuda World Classic welcomes age grade, over 33-year-old international players to a classic event on the island. Usually, eight team constitute the tournament. The USA Eagles Player Association has sent a representative fifteen since 1988. In 2004, a colorfully attired Team America traveled to the Classic, a year after the Team surprised everyone by winning the first two 2003 matches... Read More
Tournaments | 07.16.19
The 2019 Boys' U20 Trophy Tournament continues to the third round, the event taking place in Sâo Paulo Brazil inside the Estádio Martins Pereira. Eight nations will contest the title in this second tier U20 contest. Three teams are unbeaten, Japan in Pool A, and Tonga and Portugal in Pool B. These latter two fifteens will play on Wednesday, July 18, the winner to advance into the final match,... Read More
Tournaments | 07.11.19
The world's media have been quiet in stories about the Men's Rugby World Cup that begins Friday, September 20 in Japan. Admittedly, the recent FIFA Women's Soccer World Cup pushed all international sports coverage to the back burner. But now with the ending of celebratory ticker tape parade in downtown Manhattan for the USA Women, it is time to turn attention to the next global sports event, the... Read More
Tournaments | 07.09.19
The Canadian Men waltzed through the Rugby North American Olympic qualifying tournament, outscoring opponents 293-15. From the field of eight quarter finalists to the Cup title, Canada beat Guyana 43-5, Bermuda 50-0, and Jamaica 40-5 for the crown. Jamaica, now coached by Steve Lewis at West Point, and Mexico (finished third) will move into the Repechage Qualifier scheduled for June 23 and 24 in... Read More
Tournaments | 06.24.19
The French U20 fifteen repeated as title winners at the annual tournament. The event took place in Argentina with the final in the city of Rosario. The French won in 2018, also. Les Bleuets, as they are called in France, defeated Australia 24-23 for the championship. The French were ahead 18-13 at the break and then, thwarted a last half junior Wallaby come back. The win was good news for French... Read More
Tournaments | 06.18.19
The Rugby World Cup 2019 ticket designs were unveiled Monday during a launch event held at the historic Meiji Kinenkan in central Tokyo. Blending the traditional Japanese art form of Musha-e, or Warrior Art, with Rugby World Cup 2019 themed motifs, the three ticket designs capture both the strong sense of tradition and deep spirit of innovation that Japan is famous for. Familiar to art lovers and... Read More
Tournaments | 06.12.19
With the arrival of the William Webb Ellis trophy in Tokyo, the countdown to the ninth RWC began. The starting date is September 20. Twenty nations will play in four pools. The USA drew the most difficult pool with England, France, Argentina, and Tonga. Betting odds in the UK follow: New Zealand - 6/5 England - 9/2 Ireland - 5/1 Wales - 7/1 South Africa - 8/1 Australia - 14/1 France - 28/1 Japan... Read More
Tournaments | 06.11.19
The U20 Canadian team defeated the USA U20 fifteen 23-5 in the second of the two-match series. Canadians will advance to play in the U20 Trophy round (second tier) in Brazil this July, starting on the 21st The Canadians won the first game 44-33. Both matches were played in Canada. The reality is that the young USA squad met only one-week before the first game, hardly enough time to mold into a... Read More
Tournaments | 06.10.19
The San Diego Legion and the Seattle Seawolves advanced through their semi finals rounds to play for the 2019 Major League Rugby championship in San Diego next week, June 16. San Diego, league leader with a 12-3-1 record, beat fourth seed RUNY 24-22, scoring a try and conversion in the final three-minutes. The contest proved an even match slug fest between the two sides with tries scored under... Read More
Tournaments | 06.05.19
With the Men's HSBC 2018/2019 Sevens finished, it's time to take one, final look back at the ten-city season. The chart in the photograph (And Wales is the bottom team) indicates the difference between this year and the last in the accumulation of points. Highest risers The USA's 60-point increase from last season represents the statistical story of the team's success. The Eagles tied Fiji for... Read More


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