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Download Free Family Law eBooks
Bertus Preller has made a number of eBooks freely available for download by the general public on all aspects of Family Law, Divorce and Separation. eBooks that are currently available to be downloaded for free include the following:
- Domestic Violence and Abuse
- Spousal and Child Maintenance
- Marital Regimes – In Community of Property, Out of Community of Property, with or without accrual
- Finances and Divorce
- Emotions and Divorce
- Harassement
- Relocation and Child Abduction
- Divorce and Retirement Funds
- 60 Questions on Divorce
Further topics will follow soon.
To download these books, simply click on the download Banner below:
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Also consulting at:
Suite 102, 1st Floor, Big Bay Office Park, 16 Beach Estate Boulevard, Big Bay, Cape Town, 7441
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E-mail: law(@)preller.co.za
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Twitter: @bertuspreller
Maintenance of Children After Divorce
The Divorce Act in South Africa makes provision for the maintenance of dependent and minor children of divorcing husbands and wives. A court granting a decree of divorce can make any order which it considers appropriate in regard to the maintenance of a child of the marriage. This particular power of the court does not substitute or change a parent's common law and statutory responsibility to maintain a child.
It does not follow that simply because there is a responsibility to maintain there should be an award against the non-custodian parent. In view of the absence of an enabling statutory provision in the Divorce Act or the Children's Act, a parent of an adult child lacks the necessary locus standi in divorce proceedings to claim an order on behalf of such adult child, that the other parent pay certain allowances directly to the child or certain expenses on his or her behalf. Only if the children on their own have the standing to obtain such claim against the other parents. Nevertheless, in terms of section 7(2) of the Divorce Act, a court, when determining a spousal maintenance claim, need to take into account, amongst other factors, the parties' respective financial needs and obligations, as well as their standard of living during the marriage.
Where the parties have separated and the adult child of the marriage has carried on to live with one parent who has had to use his or her household budget to run the family home and provide groceries for the household, such parent's responsibility to provide the child with a home, with all that this entails, constitutes an 'obligation' within the meaning of section 7(2) of the Divorce Act which can be taken into account in determining the quantum of his or her interim maintenance claim.
If a parent has to pay maintenance for a child in terms of a court order, the fact that the child is visiting him temporarily does not entitle him to suspend or reduce the payment during that period, unless the order contains a specific provision to that effect.
In the assessment of maintenance for children their needs and the parents' ability to pay are the primary factors but the criterion of the "best interests of the child" must also be considered.
The Maintenance Act provides that a court that convicts a person of an offence in terms of section 31(1) of the Maintenance Act, shall make an order directing any person, obliged under a contract to pay any money to the offender, to make such periodical payments from that money as may be required by the maintenance order. The use of the word "shall" showed that upon conviction a court is obliged to make the order provided that the contractual relationship exists, and the evidence shows that the order will not be impracticable. Such an order is enforceable against a state pension fund.
Compiled by Divorce and Family Law Attorney – Bertus Preller
To reade more on Family Law, Divorce and Separation read at: http://www.divorcelaws.co.za South Africa's Premier Website on Family Law.
Liability of divorced or separated parents for fees at fee-paying public school.
The South African Schools Act 84 of 1996 (the Act) provides that a parent is liable to pay school fees at fee-paying public schools unless or to the extent that he or she has been exempted from payment.
One of the requirements for exemption from payment of fees is that the applicant must provide the 'combined annual gross income of parents'.
In MS v Head of Department, Western Cape Education Department and Others 2017 (4) SA 465 (WCC); [2016] 4 All SA 578 (WCC) the applicant MS, a divorced mother of the learner at a fee-paying public school, was refused exemption by the school governing body (SGB) of the local school as her application was incomplete in that it did not include the financial position of her former husband that she had since divorced. He was very uncooperative and did not provide his financial position. The first respondent, the Head of the Department of Education in the Western Cape, rejected the applicant's appeal against the decision of the SGB.
Contending that her liability to pay school fees was joint rather than joint and several, the applicant approached the court for an order reviewing and setting aside the first respondent's decision regarding her appeal. In other words, her stance was that her application for exemption from payment of fees should be determined on the basis of her financial position alone concerning her share of liability for fees. That meant that for the balance the SGB would have to deal with her divorced husband separately.
Le Grange J granted with costs an order reviewing and setting aside the decision of the first respondent. The matter was remitted to the first respondent for determination of the exemption as the court itself was not a better place to do so. Moreover, doing so would encroach on the doctrine of separation of power between the judiciary and the executive.
It was held that on a proper construction of the provisions of s 40(1) of the Act, liability of a parent to pay school fees had to be regarded as joint and not joint and several. That was reference to the liability of the parent to the school in terms of s 40(1), not the liability for school fees between parents, which could be affected by private arrangement, as was the case in the present matter. Given that back in 2010 both parents undertook to remain involved in all aspects of the learner's life, including her schooling and general welfare, the suggestion by the applicant that she was offended by the respondents to regard the divorced husband as part of her family and to insist that she requested financial information from him in order to complete the application forms for the school fees was unjustified. In fact, she accepted and agreed that she was under a legal obligation to forward correspondence relating to the learner to the divorced husband. Moreover, both parents accepted to remain co-holders of parental responsibilities and rights in terms of the Children's Act 38 of 2005.
Therefore, the relief sought by the applicant for a declaration to the effect that by requesting her to also submit financial information of her divorced husband, the SGB infringed her right to human dignity by degrading and humiliating her, as alleged, was unsustainable and legally untenable.
The Marriage Rate Continues to Decline.
Will Valentine's Day, always a popular moment for popping the question, see less marriage proposals this year than in past?
Information provided by Statistics South Africa in 2014 shows that the highest number of marriages was recorded in 2008 and the lowest number in 2012 which represents a decrease of more than 10% from those marriages recorded in 2008.
The age-old message about marriage that has been communicated by parents that "two are stronger than one" is now brushing up against a 21st-century reality: The number of married households in most countries including South Africa has fallen. Some researchers calls it "The Marriage Crisis". Today's young adults in the US are on track to have the lowest rates of marriage by age 40 compared to any previous generation. If the current pace continues, more than 30% of millennial women will remain unmarried by age 40.
There are several reasons behind the declining marriage rate. The importance of marriage has been fading for years. More couples are living together without getting married, and some are raising families.
Also, marriage used to be the starting point for young adults. They got hitched early and built a life together. Now, many people feel they have to be more established, especially financially, before they walk down the aisle.
In 2013, the economist David H Author found that, "Sharp declines in the earning power of non-college males combined with the economic self-sufficiency of women rising educational attainment, falling gender gap and greater female control over fertility choices have reduced the economic value of marriage for women."
Sweden has one of the lowest rates of marriage in the world and only 20% of the population bother to marry. In France and Britain it's about a third. While marriage is in decline, unmarried cohabitation is on the rise.
U.Va. psychology professor Robert Emery says that, in the past, people thought of marriage as "more of a business-like relationship." Women often received financial support from their husbands and women often provided household and child-rearing labour. Marriage rates fell and divorce rates rose when people started thinking less with their wallets and more with their hearts.
In the US the number of married households fell to 50.5% in 2012 from a high of about 72% in 1960. Among the less well educated, the number of married households has fallen even more. Research indicates that those who find themselves already lower on the socioeconomic ladder may be less likely to ever marry.
The United States has spent approximately one billion dollars since 2006 trying to educate low income Americans of the value of marriage with the goal of minimising divorce and single parent families. President Obama wrote in "The Audacity of Hope" that expanding such marriage education services to low income couples "should be something everybody can agree on."
Researchers at UCLA however found that the poor not only value marriage just as much as those with more income, they actually have a better grip of the values needed to make a marriage work than wealthier people. Compared to the affluent, poor people "were more focused on the role of a good job, and an adequate income, and having some savings as the important factors in having a successful marriage," the study's lead author, social psychologist Benjamin Karney said.
Feminists have claimed that they, have the answer to Freud's question about "What do women really want?" According to them, women's utmost desire is to be equal to men and independent of them. Feminists created the myth that men and women are interchangeable and, except for donating sperm, women can be totally independent of men. However data in the US shows that by the time women reach their 30's, about 70%of them are married and in marriage data we can certainly see the pull between a particular powerful set of values contesting with strong biological needs and the desire for equality struggle with the need for connection and relationship.
One should never underestimate marriage's economic benefits. In a recent study in the US it was found that children being raised by married parents is generally connected to better economic wellbeing for young adults. So is being married as an adult and that growing up with both parents' increases your odds of becoming highly educated, which in turn leads to higher odds of being married as an adult.
"Divorce causes a decrease in wealth that is larger than just splitting a couple's assets in half," said Jay Zagorsky, an Ohio State University economist. "If you really want to increase your wealth, get married and stay married." "Marriage carries a sense of meaning, purpose, direction and stability that tends to benefit adults and particularly children. People who get married have an hope of sexual fidelity, and that fidelity tends to engender a sense of trust and security.
Latest marriage statistics in South Africa
Generally, the warmer months (beginning from September and peaking in December) are the most popular months for marriages. The results also show that marriages tends to peak in either March or April depending on the month of Easter holidays for that particular year. In 2012, the highest number of marriages took place in December. July recorded the lowest number of marriages. The results further indicate that, in 2012, the highest number of all marriages was registered in Gauteng (25,0%) and the lowest in Northern Cape (3,1%).
North West (76,1%) had the highest proportion of its marriages conducted by civil marriage officers whereas Western Cape recorded the highest proportion (44,2%) of marriages conducted by religious marriage officers.
A majority of the marriages in 2012 for both bridegrooms and brides were first-time marriages. For bridegrooms, there were (82,9%) bachelors, (3,3%) divorcees and (1,3%) widowers. For the brides, (87,4%) were spinsters whilst (2,2%) were divorcees and (1,0%) were widows. Provincial distribution shows that all provinces had the highest proportion of both bridegrooms and brides marrying for the first time, particularly brides in KwaZulu-Natal and Limpopo where 90,2% and 90,8% respectively were spinsters at the time of marriage
Irrespective of their marital status, men generally married women who had never been married (spinsters). Thus, (94,2%) spinsters, (1,0%) divorcees and (0,9%) widows were married by bachelors. In addition, irrespective of the fact that more divorcees and widowers married spinsters, the proportion of male divorcees who married female divorcees (16,2%) was higher than the proportion that married widows (1,2%). Similarly, the proportion of widowers who married widows (15,0%) was higher than the proportion that married female divorcees (1,5%).
The average ages of first-time brides remained at 29 years, while for bridegrooms the average age was 33 years. The average ages for divorcees for male were generally at 52 years. In comparison, the average age of female divorcees increased to 47 years. Despite the fact that men generally marry younger women, data in indicate that (14,8%) bridegrooms were younger than their brides whilst (7,6%) were of the same age as their brides.
Source: http://voices.news24.com/bertus-preller/2015/02/marriage-rate-decline/
Bertus Preller
Divorce and Family Law Lawyer
Bertus Preller & Associates Inc., Cape Town
Website: http://www.divorcelaws.co.za and http://www.divorceattorney.co.za
Twitter: @bertuspreller
Facebook: http://www.facebook.com/divorceattorneys
Tel: 021 422 2461
Book review on Everyone's Guide to Divorce and Separation
Deur Jaco Barnard-Naudé is professor in regsfilosofie aan die Universiteit van Kaapstad.
Ons leef vandag in 'n wêreld van toenemende vloeibaarheid en pluraliteit op die vlak van persoonlike verhoudings. Die een dag besluit jy en jou beste vriend nog om lewenskoste te beperk deur 'n woonstel te deel en die volgende dag word die platoniese vriendskap iets meer en julle woon voortaan saam as man en vrou. Of man en man. 'n Paar jaar later besluit julle om te trou. As julle 'n eendersgeslagtelike verhouding bedryf, moet julle deur die hekke van die Wet op Burgerlike Verbintenisse, 2006, toegang verkry tot die twyfelagtige groener gras van die huwelik. Heteroseksuele saamwoners het 'n addisionele (en meer konvensionele) wet beskikbaar waarvolgens hulle in die huwelik kan tree – die Huwelikswet van die Jaar van Onse Heer 1961. As julle byvoorbeeld in Tamboerskloof saamwoon en besluit die huwelik is nie wat julle en ander eende van julle dam wil hê nie, hoef julle nie te trou om die verbintenis regtens erken te kry nie: die 2006-Wet maak voorsiening vir 'n burgerlike vennootskap wat presies dieselfde gevolge as 'n huwelik het.
Ek het al hierdie dinge geweet voordat ek hierdie uiters leesbare en akkurate boek onder die oë gehad het, omdat ek vir 'n regsfakulteit werk en self betrokke was by die totstandkoming van die 2006-Wet. Vir diegene wat tans in 'n saamwonery van een of ander aard verkeer, dit oorweeg om een of ander Groot Stap (insluitend skeiding van tafel en bed) te doen en nié in die regsberoep werk of betroubare vriende daarin (skaars spesie) het nie, kan ekEveryone's Guide to Divorce and Separation aanbeveel.
Die titel is ondeurdag. Hoewel die regstema van geregtelike skeiding prominent daarin bespreek word, soos die titel aandui, handel groot gedeeltes daarvan oor die regsgevolge van die totstandkoming van 'n huwelik of ander permanente saamwoonverhouding. Selfs die gevolge van die totstandkoming van die ouwêreldse "verlowing" (en wat die lô sê oor die verloofring wanneer jy dit in sy gesig terugsmyt) word met erns bespreek. En as lobola deel was van jou huweliksonderhandelinge en jy is getroud ingevolge die Wet op Erkenning van Gewoonteregtelike Huwelike, sal jy interessante dinge lees oor hoe om te verhoed dat jou man se aanhoudende trouery jou nie finansieel benadeel nie.
'n Groot gedeelte van die boek handel oor die onwillekeurige partye tot 'n saamwoonverhouding: die kinders. Daar is 'n omvattende bespreking van wat die verantwoordelikhede teenoor kinders in 'n gesin is – veral wanneer die ouers se saamwoonverhouding tot 'n einde kom en ook in gevalle waar Ma en Pa eens saamgewoon, of ten minste saam verkeer, het, maar by geboorte van die kind reeds aanbeweeg het. Die boek stel dit in hierdie konteks direk en duidelik: die kind(ers) sit met die gebakte pere van julle mislukte verhouding sonder dat hulle daarvoor gevra het. Die allerminste wat julle kan doen, is alles in julle vermoë ten einde te verseker dat hulle so onbeskadig as moontlik uit die puin van julle verhouding tree.
Bostaande is maar een rede waarom die skrywer ('n prokureur) daarvoor pleit dat egskeidings nie in litigasie behoort te eindig nie. Daar is merendeels slegs verloorders in 'n bestrede egskeiding, en té dikwels, waar kinders betrokke is, is dit húlle wat as pionne in die vuilspel gebruik word en die meeste verloor.
Benewens 'n omvattende verduideliking van die egskeidingsproses bevat die boek ook heelwat praktiese wenke vir mense wat deur so 'n proses moet gaan (waartydens gesinsgeweld nie uitgesluit word nie, daarom die hoofstuk oor laasgenoemde). Dit het my lank geneem om die bul by die horings te pak en hierdie boek te lees, want egskeiding is nooit 'n aangename onderwerp om oor te dink of te lees nie – ons dink veel eerder aan die feeste van die huweliksdag. Maar as jy jou in 'n skeidingsituasie bevind (en nie in die regsberoep werk of daarin bevriend is nie), moet jy jou, soos vir enige stryd, hoe gemoedelik ook al, bewapen. En Preller se boek is 'n sterk wapen. Kry dit.
Original article at: http://www.litnet.co.za/Article/2013-everyones-guide-to-divorce-and-separation-bertus-preller
Victory for Unmarried Parents in High Court Ruling over Interim Maintenance
A ruling by the Eastern Cape High Court granting unmarried parents who have been in "a life partnership" equal rights to married parents was an "important victory" in child maintenance cases.
The Applicant (mother) approached the Eastern Cape High Court in East London by way of urgency for an order, inter alia, that the Family Advocate institute an enquiry and furnish a report regarding the parental rights and responsibilities of the mother and father and that pending such a report the mother remained the primary carer of the child. Pending the report by the Family Advocate the father was entitled to reasonable contact with the child at all reasonable times every alternate weekend from a Saturday morning at 09h00 until 17h00 and from 09h00 until 17h00 on the Sunday, reasonable telephonic contact, special occasions such as Mother's Day, Father's Day etc.
The interesting part of the application was the fact that the mother also asked the court for an order that the father contribute to the child's maintenance, by the payment of the sum of R3 300.00 per month pending finalisation of the investigation by the Family Advocate into the parental issues and/or until the court made a proper maintenance order.
Facts of the case
The Applicant was the mother of a minor child of approximately 3 years old and the father of the child was the Respondent in the case. At the time of the child's birth the child's parents were in a permanent life-partnership relationship (not married) and thus acquired full and equal parental responsibilities and rights in respect of the child.
The parties separated and the mother brought an application in the High Court, the purpose of the application was to confirm and to grant certain rights to both parents so that in the best interest of their minor child, there was certainty in respect of his primary care contact with the child by both parents as well as maintenance to support his basic needs.
In her papers the mother averred that the minor child and she had been subjected to harm at the instance of the father who has threatened to remove the minor child from the care of the applicant. The parties were no longer staying together and the child was living in the mother's care.
The court granted leave to the mother to move the court application as a matter of urgency only on the basis that the father wanted to remove the child from her care. The Respondent's counsel argued that is that the matter was not urgent and therefore the Court could deal with the mother's maintenance claim in the High Court.
The court emphasized the fact that the High Court has always been regarded as the upper guardian of all minors in all matters concerning children. Section 28(1) of the Constitution provides, inter alia, that every child has the right to family care or parental care when removed from the family environment. To basic nutrition, shelter, basic health care services and social services. To be protected from maltreatment neglect, abuse or degradation. It is also important to mention that a child's best interests are of paramount importance in every matter concerning the child.
It is a common practice for some practitioners who appear in the High Court to apply for the dismissal of an application on the only ground that it is not urgent. In this matter the court found that the application was urgent due to the threat that the father made to remove the child.
A co-holder of parental responsibilities has the right to apply to the High Court, divorce Court or to the Children's Court for an order suspending for a period or terminating any or all the parental responsibilities and rights which a specific person has in respect of a child. Or extending or circumscribing the exercise by that person of the parental responsibilities and rights that person has in respect of a child. Such application may be combined with an application in terms of section 23 of the Children's Act for the assignment of contact and care in respect of the child to the applicant in terms of that section. In other words the parental rights and responsibilities as well as guardianship of a minor child can be brought before the High Court.
The parties in this application lived in a permanent life partnership as though they were a married couple. In the event that they had been married, which they were not, they would have been able to make use of Rule 43 proceedings, a mechanism, inter alia, for speedy and effective resolution of maintenance for minor children pending finalisation of the divorce. In this case there was no pending matrimonial action and therefore, in the court's view, the facts of the case were distinguishable from a situation where the provisions of Rule 43 find application.
Notwithstanding the aforesaid the court found that there was nothing preventing the Court from dealing with a maintenance issue even if it is a provisional order of maintenance pending the finalization of the maintenance court enquiry. The court's view was that in all maintenance matters involving children the court should endeavour to see to it that they are dealt with as expeditious as is practically possible and found that it was not be in the best interests of a child if the maintenance issue had to be referred back to the maintenance court especially when there was already an indication that it will only be dealt with sometime in a few months because of the busy court roll at the maintenance court.
It is therefore possible for an unmarried mother to obtain urgent interim relief for maintenance of a child pending an investigation by the Family Advocate's Office into the care and contact issues of a child.
Media interview with Divorce Law and Family Law Specialist Bertus Preller
Bertus Preller, was recently interviewed in connection with his book "Everyone's Guide to Divorce and Separation" published by Random House Struik (Zebra Press – 2013). So that you can get to know Bertus better, we have included excerpts from that interview.
How long have you been involved in law?
I was admitted as an attorney in 1989 and have almost 25 years' experience of the law.
What are some examples of the types of cases that you handle?
I represent people in divorce, both in local and international divorce cases, care and contact (custody) disputes, access (visitation) / parental disputes, parenting plans, unmarried father's rights, paternity cases, grandparents' rights, step-parent and non-parent care and contact cases, international child abduction (Hague Convention) cases, relocation disputes, division of property, spousal maintenance and child maintenance matters, domestic violence and protection orders, child abuse cases, enforcement actions (where a person is seeking to enforce a court order), same-sex cases, cohabitation agreements, antenuptial agreements, family law mediation and collaborative divorce law, and other family law related matters. It also includes Mediation. In addition to being a litigator, I have also acted as a Mediator for many years.
Did you always want to be an attorney?
Ever since I can remember, I have always loved the idea of fighting for people who need help and helping the underdog. It was my goal, since being at high school in Grey College, to become an attorney.
How stressful is your work?
Being a family law attorney can be stressful. Our entire legal system is based on adversity and on two sides negotiating, or fighting in court, to achieve a resolution to their disputes. These negotiations, court appearances, and dealing with clients, judges and other attorneys are not exactly pleasant all the time. These relations require one to be tough, emotionally detached and sometimes even heartless. It is not fun, not glamorous and sometimes it does get ugly. The stress has a lot to do with the fact that almost everything you do is urgent and can have serious financial implications if you mess up in court, there are going to be major implications for your client. Having said this, I love to make a difference in people's lives, especially where children are involved.
How do you spend your day/week?
My job duties include appearing in court on behalf of clients, drafting legal documents, communicating by letter and email, conducting consultations, performing legal research, reviewing financial documents, interviewing clients, talking to attorneys, and working with psychologists, and other experts. My day is varied, with no two days being exactly alike. The largest percentage of my work-week consists of writing letters and emails, talking on the telephone, reviewing emails and correspondence, consulting with clients, drafting pleadings, reviewing financial records, and preparing for court hearings – not the kind of stuff you see on TV shows or in the movies.
Do you have celebrity clients?
Due to the nature of my work I am not able to disclose the identities of my clients, but yes, I have clients who appeared on Survivor Africa, Master Chef South Africa, actors, actresses, politicians, television personalities and some high net worth individuals.
Do you have a "profile" of the ideal family law attorney?
In my opinion, there is no such thing as an "ideal" family law attorney. Each person has his/her own unique strengths. In appointing an attorney, I would look for someone with honesty and integrity, someone with a good work ethic, who is persuasive and communicates well, both verbally and in writing, someone who is empathetic, with excellent people-skills and a passion for helping others and practicing family law.
What is your approach to handling cases?
I believe that it is the duty of an attorney to work with his/her client as part of a team approach. Too many attorneys have a "give me the ball and I'll run with it" philosophy, and they fail to communicate with the client during the course of the case. I take a completely different approach. After all, it is the client's case. My job, is to communicate with my client, help determine the proper objectives, formulate a game-plan, and work hard to make sure that the client's needs are effectively met. I understand that my client is going through what is probably the most difficult and stressful time in her/his life and need someone who will look for logical, peaceful solutions but will also be willing to aggressively fight for his/her rights if that becomes at all necessary.
Does dealing with other people's failed relationships make you feel cynical about love at all?
I believe in marriage. It would be naive to think that dealing with divorce and separation (and all the trauma and distress that goes with it) on a daily basis, will not make one sceptical about marriage to a certain extent. I think the problem does not lie in the institution of marriage or that relationships that end in divorce were never meant to be. It is my view that the reason for many problems that we experience in relationships stems from the fact that people are fickle and that our circumstances and life experiences change and shape us every day. A healthy relationship is an evolving relationship and each partner should learn and grow through the relationship, and often through the conflicts. Marriage can be described as a series of peaks and troughs and as long as the peaks outweigh the troughs then you will be okay.
What have bad divorces taught you about what goes into a happy marriage?
There is not one universal key that unlocks the door to a happy and healthy marriage or relationship. There is a saying that a relationship is not a place where you go to take, it is a place where you go to give. Marriage for many of us will undoubtedly be the biggest financial and personal transaction of your entire life. You need to look at your partner and realize that you are not going to change him or her. Ask yourself this: "Does my partner have the basic qualities that matter to me, characteristics that are not going to change over time?" Remember that it is not all about the wedding cake, the wedding ceremony, the wedding gifts or the wedding dress. It takes a lot of work and effort to make it work. Lack of communication tops the list of the reasons for divorce. There is the cliché that women want men to know what they want and what they are thinking without ever having to tell them, but the reality is that couples need to talk and express their feelings and fears to their spouse. It is when spouses only start thinking about their own wants and needs and no longer function as a "team", that things start to fall apart. Unfortunately in many instances our ability to learn about relationships shuts down at the point when the marriage begins to get tough and just because couples develop disagreements, I am sure that many marriages could have been saved if the couples persevered just a little more. Conflict should be seen as an inevitable part of relationships. One of the secrets to a good marriage is to find your equal partner, not a partner who is going to dominate or control you or who you can dominate or control. Any relationship for it to work must be based on mutual respect, common purpose and of course trust. When a couple start to lose one of those ingredients, the wheels come off.
Is it possible to recover after a divorce?
Most individuals blame their ex-spouses. I think that if you can step back and say, "This is what I have done wrong and this is what I will change", you have something powerful to teach others who go through the same issues. In many divorces, the problems that caused the divorce have existed in the relationship long before the marriage and were either not acknowledged or were ignored in the hope that marriage might heal the problems. But that is not what happens in life. Nobody can make you feel better about yourself. Someone wise once said that it takes two wholes to make a marriage, not two halves.
To find out more about Bertus Preller, visit his webpage at http://www.divorceattorney.co.za or follow him on Twitter @bertuspreller or on Facebook at http://www.facebook.com/divorceattorneys.


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Preparations for the biggest single-day open water swimming event in the country is underway at the Serpentine Lake.
Thousands will join the Hyde Parks ducks, donning a swimming cap and a wetsuit to take part, raising money for charity, as well as to raise awareness of the mental and physical benefits of open water swimming.
Children with Cancer UK Swim Serpentine is still open to sign up for, it takes place on Saturday, September 21.


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David Allaire
RUTLAND — "I want to bring trust, respect and transparency back to the mayor's office," Rutland mayoral candidate David Allaire said during an interview for Watchdog's series on the mayor's race.
This marks Allaire's third bid against incumbent Christopher Louras, who has served as Rutland's mayor since 2007.
Though defeated in the past two elections, Allaire believes that the tension evident between Louras, the Board of Aldermen and voters gives him a chance.
Louras' actions left "no room for compromise," Allaire told Watchdog. Louras and the aldermen continue to battle over a budget Louras presented to the board that was 10 percent higher than the previous year. He also cut front line firemen from the Rutland City Fire Department.
However, Allaire's most outspoken critique has been over Louras' lack of transparency in the refugee resettlement process, which made national headlines last year.
In April 2016, Louras made a surprise announcement that the city was preparing to accept 100 mostly Syrian refugees. It was soon discovered that for six months he had been working secretly with resettlement agencies and other stakeholders to make Rutland a permanent resettlement community. The controversial plan was intentionally kept secret from the Board of Aldermen and the public, sparking outrage and a push among residents to put the plan to a citywide vote.
In emails obtained through public records requests, Amila Merdzanovic, executive director of the Vermont Refugee Resettlement Program, told Louras to keep the plans a secret.
"I want to share with you the concern (the resettlement agency) has about holding a public forum. If we open it up to anybody and everybody, all sorts of people will come out of the woodwork. Anti-immigrant, anti-anything," Merdzanovic wrote.
Louras complied, but Allaire was outraged.
"I totally disagree [with it], and that's the feeling of the majority of people I've been talking to," Allaire said of the mayor's actions.
Like many other Rutland residents, Allaire thinks Louras' tarnished transparency record could cost him the election. "Talking with voters, it's one issue that is very concerning," he said.
Allaire was one of seven aldermen who signed a letter to the U.S. State Department in July stating that the board was withholding support from the refugee program until they received more information.
The U.S. Committee for Immigrants and Refugees sent a response several months later, but a Board of Aldermen candidate found factual inconsistencies throughout the letter.
Allaire also spearheaded a legal review by the Rutland City Attorney to determine whether or not Louras had violated the city charter by acting alone. The attorney determined that, because of one comma in the charter, Louras acted within his authority.
Having served on the Board of Aldermen for 19 years, Allaire is familiar with the procedures of local government. He also served as state representative in the Vermont House from 2001-2007. While serving in government, Allaire has continued to work in the private sector, with more than 30 years in advertising and sales.
Drawing from his business experience, Allaire wants to focus on job creation and boosting Rutland's economy. "We need to work together regionally," Allaire said. "In the past, we've solely done what's good for the city, disregarding the area as a whole. The Chamber of Commerce is working on a regional marketing plan that I'm excited about."
Partnerships and coordination with Killington and Rutland Town are the first steps to broader economic development in the area, Allaire said.
A Rutland native, Allaire enjoys Vermont living. "I enjoy going for long walks all year long, attending local high school sporting events, and traveling around Vermont. (I love the) beautiful scenery and the independent nature of its residents."
Allaire hopes that voters' independent nature will end Louras' 10 year tenure in the mayor's chair.


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Aruba EDU-AWMN
Aruba Wireless Mesh Networks
Course Overview
This three-day instructor led course provides instruction on the technology, design, and deployment of outdoor wireless mesh networks using Aruba's new Adaptive Wireless Routing™ (AWR™) technology. This includes products such as the MSR4000/2000 Wireless Mesh Routers and supporting devices. Class labs are designed to reinforce the learning process and offer practice with the essential skills required to successfully design and deploy an Aruba wireless mesh network.
Target Audience
This course is intended for anyone with design or deployment responsibilities for the MSR2000, MSR4000, MSR1200, and MST200 Aruba devices
Course Prerequisites
Familiarity with basic networking skills
Experience with configuring communications equipment using a CLI interface
A basic understanding of 802.11 wireless networking)
Course Content
This course covers the following topics:
Outdoor and Mesh Overview
Covers the usage of an outdoor wireless mesh network, also
covers the Aruba AirMesh product family and offers example
applications and deployment typologies.
RF Concepts & Antennas and Communications
RF Concepts explains various RF components essential for the
understanding of an outdoor mesh deployment. This defines
terms, characteristics and behaviors of wireless technologies.
Wireless concepts such as isotropic radiation, polarization,
absorption, reflection and scattering of RF waves comprise part
of this module.
Antennas and Communications describes the various
considerations of antenna selection and operation. Topics
include link budgets, understanding antenna polar plots and
radiation patterns, downtilt, Fresnel zones as well as antenna
and AP mounting.
Aruba Mesh Architecture
The flexibility and options of a mesh topology creates many
path options in a mesh network. This chapter describes the
dynamics of mesh path selections and optimizations. How the
mesh node selects its neighbor, as well as other mesh
infrastructure settings are discussed.
Configuration and Administration
Basic administration methods are presented in this module.
Both CLI and WebUI approaches are demonstrated.
The mesh network configuration and provisiong tool is covered
in this module
Network Tuning and Troubleshooting
Many options exist for fine tuning the behavior of the mesh
network. This chapter covers some of these options such as
black-listing, preferred link designations, long-distance tuning,
as well as useful troubleshooting commands.
Designing a Wireless Mesh Network
Best design practices are explored. How to choose the best
equipment for the deployment need is discussed.
3 days (Three Days)


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text:
Munich (DE), 17th Oct 2016. Another successful DTM deteriorate for BMW
Motorsport drew to a tighten in Hockenheim (DE). With 4 wins, 16
podiums, 6 stick positions and a pretension win by Marco Wittmann (DE),
a 4 BMW teams once again constructed countless highlights in the
fifth year given BMW returned to a renouned furloughed automobile series. In
a DTM review, we demeanour behind on a large stories from an eventful 2016,
from a BMW Motorsport indicate of view.
Fast as a champion: Wittmann claims pretension array 2.
The multiple of speed, artistry and coherence has a name:
Marco Wittmann (DE). As in 2014, when he won a pretension in usually his
second DTM season, a BMW Team RMG motorist came out on tip over strong
foe once again this year – and carried a champion's prize at
a culmination in Hockenheim (DE). No other motorist has won some-more races over
a past 4 years than Wittmann. In 56 races, he has crossed the
finish line initial on 8 occasions. He also has 15 lectern finishes
and 8 stick positions to his name. The 26-year-old distinguished three
wins this season. The third foe in Spielberg (AT) was a initial round
he finished in initial place during a circle of a Red Bull BMW M4 DTM
this season. This was followed by a serve dual wins, in Moscow (RU)
and during a Nürburgring (DE).
All good things come in threes: BMW Team RMG is a tip BMW
organisation again.
After 9 DTM foe weekends, BMW Team RMG finished runner-up in the
Team foe with 290 points, creation it a best-placed BMW team
for a third deteriorate in a row. Timo Glock (DE) had assimilated Stefan
Reinhold's (DE) patrol forward of a initial foe in Hockenheim – and the
gifted motorist fast found his feet during BMW Team RMG. His first
win came in a fourth foe of a season, that was hold on the
Sunday during a Red Bull Ring (AT). This was Glock's third feat in
a DTM. The consistent force in a group was once again Marco Wittmann,
who picked adult points in 15 of 18 races – and finished adult clinching the
drivers' pretension with 206 points. The group from Andernach (DE), in the
Eifel segment of Germany, has been competing in a DTM given BMW
rejoined a array and has determined itself as one of a most
successful outfits. The large breakthrough came in 2014, with Wittmann's
initial pretension win and success in a Team competition. Since then, BMW
Team RMG has turn a permanent tie during a front of a field.
After 5 years in a DTM, a group has 11 wins, 22 podiums, nine
stick positions and 6 fastest laps to a name. Its closest rivals
among a other BMW teams in 2016 was BMW Team RBM from Belgium, which
finished third altogether with 203 points for Tom Blomqvist (GB) and
Maxime Martin (BE).
Closer than ever: pristine fad in a 2016 DTM season.
In 2016, a DTM showed once again because it is regarded as one of the
hardest-fought furloughed automobile array in a world. Ten opposite drivers
were winning over a march of a year, including BMW's Marco
Wittmann and Timo Glock. Together, a BMW Team RMG drivers won four
races in 2016. The initial of these victories came pleasantness of Wittmann
on a Saturday during a Red Bull Ring (AT). He claimed a 70th success
for BMW in a manufacturer's 250th coming in a DTM. Glock then
won Sunday's foe to finish a double success for BMW in Spielberg.
In Moscow it was Wittmann who crossed a finish line initial again in a
top-four lock-out for BMW. Success in a Sunday foe during a "Moscow
Raceway" was Wittmann's seventh win in a 50th foe of his DTM
career. It also represented a tenth feat for BMW Team RMG in the
outfit's 60th foe in a DTM, as good as a 72nd time in DTM history
that a BMW motorist had climbed onto a tip step of a podium. Race 13
of a year also valid to be a propitious one for Wittmann, who won again
on a Saturday during a Nürburgring. Tom Blomqvist of BMW Team RBM came
home second to finish BMW's second one-two of a 2016 season.
In total, 18 opposite drivers done it onto a DTM lectern in 2016.
BMW was represented on a lectern on 16 occasions. As good as
Wittmann, Glock and Blomqvist, António Félix da Costa (PT), Augusto
Farfus (BR), Maxime Martin and Bruno Spengler (CA) also claimed
top-three finishes. So any of a BMW teams distinguished during slightest one
lectern finish in 2016. However, usually Bart Mampaey's (BE) BMW Team RBM
managed to land both drivers on a podium. Blomqvist and Martin stood
corresponding on a lectern after finishing second and third in the
Sunday foe during a Norisring.
The conflict for grid positions also supposing copiousness of accumulation in
2016. Twelve opposite drivers started races from stick position, with
a BMW motorist heading a approach on 6 occasions. Wittmann was the
fastest male in subordinate during a Red Bull Ring (Saturday), in Moscow
(Sunday) and during a Nürburgring (Saturday). Blomqvist started from
stick position for a initial time in his fledgling DTM career during the
Norisring (DE, Sunday). Félix da Costa drew his DTM career to a
successful tighten with dual stick positions during a deteriorate culmination in
Hockenheim. The spectators during a city foe in Nürnberg had previously
enjoyed one of a closest subordinate sessions of a year. All 24
cars were within 0.430 seconds of any other.
Not usually was subordinate a tighten affair, though so were a races
themselves. Nineteen opposite drivers led a margin during some point
over a march of a 18 races. Of a BMW drivers, Wittmann spent
a many time during a front of a field. He led a approach for a sum of
86 laps. Blomqvist, during a circle of a Ice-Watch BMW M4 DTM, spent
a second longest volume of time heading races for BMW – namely 41
laps. Blomqvist is also one of a 3 BMW drivers who set a fastest
path in 2016. His time of 48.328 seconds on Sunday during a Norisring was
a fastest of a race. Félix da Costa and Glock were a fastest
drivers in a races on Saturday and Sunday during a culmination in
Hockenheim. In total, 11 opposite drivers clocked fastest laps in the
Good-bye, DTM: Tomczyk and Félix da Costa bid farewell.
The culmination in Hockenheim was a final coming on a DTM stage
for dual BMW Motorsport drivers. Martin Tomczyk (DE) and António Félix
da Costa (PT) have called time on their careers in a renouned touring
automobile series. They will, however, sojourn partial of a BMW Motorsport
family. Tomczyk will concentration on general GT racing in a future,
while Félix da Costa concentrates entirely on his joining in a FIA
Formula E Championship.
Tomczyk was one of a figureheads of a DTM, that had been his
sporting home given 2001. Only 8 drivers in a story of a DTM
have contested some-more races than a male from Rosenheim (DE). His most
successful DTM deteriorate came in 2011, when he won a Drivers' title.
The following year he changed to BMW Motorsport and embarked on a new
section in a DTM, scoring points and podiums for BMW Team RMG and
BMW Team Schnitzer. Félix da Costa done his DTM entrance for BMW
Motorsport in 2014. At a same time, he also took to a lane as a
exam and haven motorist for a Red Bull Racing Formula 1 team. Félix
da Costa has also been racing in Formula E given a initial season
in 2014/15. The motorist from Cascais (PT) first, contested 10 races
for BMW Team MTEK in a DTM, before switching to BMW Team Schnitzer
forward of a 2015 season. His biggest success came on 12th Jul 2015
in Zandvoort (NL), where he led a foe from start to finish to round
off a ideal Sunday. He had formerly cumulative a initial pole
position of his DTM career, dual serve stick positions followed during the
2016 deteriorate culmination in Hockenheim.
Precision array stops: "Best Pit Stop Award" for BMW Team MTEK.
Pit stops in a DTM are all about speed and precision. It is vital
that a organisation works in ideal peace during a tyre change. Nobody
achieved this improved in 2016 than BMW Team MTEK. Over a march of
a year's 18 races, no other group took reduction time to get their cars
behind out onto a lane after a array stop. Team principal Ernest
Knoors' (NL) organisation achieved a fastest tyre change of a foe on
Bruno Spengler's BMW Bank M4 DTM in Spielberg (AT) and during the
Lausitzring (DE). They were also second and third fastest during the
Nürburgring (DE) and in Budapest (HU). This bid ensured BMW Team
MTEK perceived a "Best Pit Stop Award 2016", presented any year by
tyre builder Hankook.


text:
- Home Unknown Type
- Advanced Opti Boat Handling DVD - English
Advanced Opti Boat Handling DVD - English
Sold out.
Vendor: Optiparts
Advanced Optimist Boat Handling DVD
Join coaches Alejandro Sole and Gonzalo Pollitzer, along with a team of world class sailors and get the edge on your competition.
This advanced Optimist racing DVD covers tacks, jibes, 720's, mark roundings, and on the water sprit-vang adjustments--in a variety of different conditions. Filmed simultaneously with an onboard camera and outside cameras, the material contained in this DVD is invaluable, making you feel like you're right there, in the cockpit.
Learn from the best and then take your racing to the next level!


text:
Your cart is empty!
- Free shipping on orders over $25
- Free 1-year warranty
The biggest, most versatile Baby Bullet configuration yet. This one includes the full Baby Bullet machine, 3 Easy-Pop Batch Freezer Trays, 12 Storage Cups with Date-Dial Lids, the Baby Turbo Steamer Sterilizer, a Handled Cup, a Spatula, the Blend Blade and Flat Blade, plus the User Guide and Healthy Baby Nutrition Guide for great info about feeding your little one.
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Unlike jarred baby food that contain sugars, fillers and preservatives, Baby Bullet helps you prepare the healthiest food for your baby. Each bundle includes the tools to prepare, blend, steam and store food. Homemade baby food is the freshest, safest food you can offer your baby. Jarred baby food has a shelf life of 2 to 3 years, that means your baby's lunch could be older than your baby.


text:
01.05.2016 | ICS congress 2015 | Sonderheft 2/2016
Attitudes and compliance to the WHO Surgical Safety Checklist; a review
- Zeitschrift:
- European Surgery > Sonderheft 2/2016
Wichtige Hinweise
The supplement is dedicated to Jubilee World congress of International College of Surgeons 2015.
The publishing was sponsored by the Ministry of Health of the Czech Republic.
This review aimed to assess surgical safety checklist compliance (SSC) and evaluate surgical team attitudes, post checklist implementation.
A thorough search of MEDLINE and PUBMED databases for English language studies using any adapted form of the WHO SSC was conducted. In total 26 studies; 13 assessing SSC compliance and 13 investigating surgical team attitudes of the checklist, were evaluated.
Compliance studies demonstrated a checklist initiation rate of >90 %, but showed completion rates to be significantly lower across studies. 'Sign out' was the most poorly performed phase (<50 %) with 'Time out' being the best. Verification of patient identity and procedure demonstrated high (>90 %) compliance, while 'Verification of team-members' varied greatly. Surgical team attitudes noted improved teamwork, communication, patient safety and staff awareness of adverse events.
SSC compliance is highly dependent on staff perceptions, training and effective leadership. While, surgical teams have positive attitudes towards the SSC, resolving key barriers will improve compliance across all phases of SCC.


text:
I've been saving a shed load of inspiring commercial interior ideas recently, trying to gather ideas for future design projects in other places than residential houses. And restaurants, cafes, bars, and hotels are all amazing places to look if
One element that has cropped up, again and again, is the clever use of tiles, from splashbacks to skirting. So today I wanted to share nine commercial spaces that have inspired future interior projects.
Farmer J, a restaurant in the heart of London, uses vertical subway tiles to create a clever skirting board effect, while subtly working with both the forest green upholstery and use of natural wood.
Ruyi dumpling and wine bar in Melbourne's Chinatown district is the perfect blend of paired back Scandinavian design, and light, warm Australian design touches. The white tiled walls blend the kitchen space and cafe into one, while the square marble tiles offer an interesting contrast between luxe and industrial.
By tiling the pillars in Michel, a beautiful restaurant located in Helsinki, in white ceramic tiles, it not only makes them a feature of the room instead of a hindrance to the design, but it also creates the perfect backdrop to the gold drop pendant lighting.
Metro kitchen tiles are timeless, but by changing the
A light, open space in neutral shades lends itself perfectly to the use of textures as you can see here in Cafe Gratitude in L.A. White gloss tiles sit perfectly against concrete, whitewashed exposed brickwork, wood, rattan, and shiplap. This is definitely one space I'd feel at home in.
The Straits Club, meanwhile, is a private members club in Singapore, where the aesthetic is rich in historic design references – including Shanghai plaster adapted from neoclassical colonial buildings, ventilation blocks from public housing stairwells and Peranakan- inspired tilework.
Hecker Guthrie is one of Australia's leading interior design practices, and it's clear to see why. With a modern, functional design aesthetic, I'm excited to discover more from this talented duo, especially with their clever use of texture and contrast – I would never have teamed dark walnut flooring with white vertical gloss tiles, but look at how effortless it looks.
Just when you thought pink tiles had had their moment, designer Joanna Laajisto presents Post Bar, a dark, stripped back watering hole in Helsinki with lots of character despite little obvious design details. Just by using dark grouting, pink tiles suddenly become a whole lot edgier, right?
Can you see just how much you can draw from inspiring commercial interior design? Be sure to check out my Inspiring Commercial Interior Design board on Pinterest, where you can find ideas like this and so much more.
In case you missed it: The Five Kitchen Trends To Watch in 2019 | Future Kitchen Renovation Plans | How To Decorate A Small Kitchen On A Budget


text:
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Set of the Month - August 2018
Caramac Set of M42 Railway Locomotives 1976
Our set of the month for August is the Caramac set of 42 Railway Locomotives from 1976. Caramac was a brand name for a caramel flavoured bar originally produced by Mackintosh (now Nestle) and the name was an amalgamation of the first parts of caramel and the Mackintosh name. The cards depict engines in colour against a white background with the name of the railway, locomotive and date or operation also on the front. Included are the "Rocket" of 1829, the 1954 "Duke of Gloucester" which was Britain's last Pacific, a Great Northern Railway "Atlantic" Class loco, the 1904 record breaker "City of Truro", a North British Railway Tay Bridge engine, a Highland Railway "Skye Bogie" of 1882, a North London Railway 4-4-0 tank engine of 1865 a 1935 A4 Class Pacific designed by Nigel Gresley, a British Railways Class 47 diesel-electric of 1961, a G.W.R 1923 "Castle Class locomotive, Caledonian Railway's "Dunalastair", Southern Railway's "Schools Class locomotive and a Midland Railway "Spinner" 4-2-2 from 1886. The backs are blank, but the pictures more than make up for this. The cards are size 76 x 55mm.
Caramac set of M42 Railway Locomotives 1976 in very good condition is catalogued at £17.00
Previous sets of the month
Please use the links below to view previous sets of the month. All sets listed are still available.
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Uninsured Motorist Car Insurance explained by Florida Lawyer Matt PowellArticles, Blog 39 Comments
I am going to explain how and why Uninsured
Motorist Insurance is the best insurance you can buy to protect you and your family. There are two types of Uninsured Motorist
insurance, Stacked and Non-Stacked. The best one for you to buy is
"Stacked" Uninsured Motorist Insurance and I will explain why in a minute. But first, let me explain how UM insurance works. It will pay for your damages if you get
in a crash with an at fault driver who does not have ANY Bodily Injury Insurance,
which is called an Uninsured Motorist. Or it will pay when the at fault driver does
not have ENOUGH Bodily Injury Insurance, which is called an
Underinsured Motorist. And just so you know, in Florida, motorists are
not required to carry Bodily Injury Insurance. About half the cars on the road don't carry it. This is why UM insurance is so important. If you get in a wreck with someone who
does not carry Bodily Injury Insurance and you don't have Uninsured Motorist insurance, you will likely be out of luck because there will
not be any insurance to pay for your losses. Now let me explain the difference
between Stacked UM and Non-Stacked UM. When you own more than one car, and
you purchase Stacked UM insurance, you get to add or "Stack" the UM policies. For example, let's say you own two cars, and have coverage
of one hundred thousand dollars per car, and if you are in a wreck, then you can stack the two coverage's and
receive up to two hundred thousand dollars. One hundred for the first car and
one hundred for the second car. Often times, people will ask
me, since I only own one car, so why should I buy Stacked UM since I don't have
another car to stack the coverage on top of? And the answer to this question is the most important
reason of why you want Stacked UM coverage. Stacked UM should also be
called Follow UM coverage. Because the coverage follows
you wherever you go. For example, if you have Stacked UM and you are Driving
someone else's car and get in a wreck, your UM follows you and you are protected. If you are a Passenger in someone
else's car, you are covered. If you are a Pedestrian, or
riding a Bike and a car hits you, you are still covered since your
Stacked UM coverage follows you. So Stacked means it
follows you everywhere. My friend says Stacked UM will protect you even if
you are in a submarine and you get hit by a car. So now you know why
stacked is so important. Now if you only carry Non-Stacked UM, then you can only recover
benefits from your policy if you are in a wreck while
in your insured vehicle. It does not follow
you like Stacked UM. And the other benefit of Stacked UM
insurance, as I mentioned earlier, is that whatever the UM policy
limits are for each of your cars, the limits are added together or
Stacked on top of each other. This is where the term
Stacked comes from. So five cars, with one hundred
thousand dollars of UM on each car, will provide you and your family with five
hundred thousand dollars worth of coverage. And another important fact you
need to know about UM insurance, whether it is stacked or not, is that
if you are in another vehicle you own and it does not
have UM insurance, you are NOT protected even though you have
UM on all your other vehicles. You will not be covered if you are in the
one car that does not have UM coverage. Now, some people say, if I have health and disability
insurance why would I need UM too? And the answer to this is simple. Let me explain by using an example. Let's say you are in a car crash
and the windshield breaks, and you lose vision in both of your eyes
from the glass hitting you in the face. Your medical bills will be
paid by your health insurance. And your disability
insurance will pay you only two thirds of your lost
wages until retirement age. But you won't get a single Penny for the
non-economic damages you will suffer, such as the loss of your ability to enjoy life. You will not recover One Cent to help
you cope with the loss of your vision and the added expenses and
frustrations of being blind. So UM covers some of the non-economic
losses you would suffer. It is important to be aware that most auto insurance
companies don't like to sell UM insurance. But the State of Florida requires
them to make you sign a form rejecting it if you don't want to buy it. The insurance agents usually
don't explain the UM very well, and may say to you we will
give you Full Coverage. But what they really mean by this,
is that they are selling you the Minimum Insurance
required by Florida Law. Let me tell you this. I am a board certified civil trial lawyer. And you need to know that Full
Coverage is not a legal term. There is no exact definition
for Full Coverage. This is just a saying that
an insurance agent will use so they don't have to explain in detail what you
do or don't have as far as insurance coverage. So don't be fooled by
the term full coverage. Make sure you get Stacked UM coverage
to protect you and your family. When you ask your insurance agent
about purchasing UM insurance, you will be told that you can only buy as much
UM as you carry in Bodily Injury Coverage. That is a correct statement. Another important fact to keep in mind, is that insurance policies differ, so you must read yours to find out
exactly what is and is not covered. If you have more questions about this
information, I suggest three things: One, speak to your insurance Agent and make sure he or she is able
to answer all of your questions. Two, read your policy, and Three, call my office if
you still have questions. Thank you for watching this video. I hope you have found it
helpful in understanding what Uninsured Motorist
Insurance is and how it works.


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A major new commission by Conrad Shawcross
Overlooking the Blackwall Tunnel Approach and marking the gateway to the Peninsula, Conrad Shawcross' The Optic Cloak envelopes the future low carbon energy centre that will power the 15,000 new homes on the Peninsula.
At 49 meters tall, 20 metres wide and 3 meters deep, the flue is a landmark to people of the Peninsula and beyond, delighting newcomers and surprising regular commuters as its surface shifts and changes appearance depending on the light and time of day.
Read more


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Chevy Black Friday 0% APR Offers Near Boston, MA
Qualified buyers can receive 0% APR for up to 72 months on our most popular 2018 and 2019 Chevy models. Excludes select base trims. Monthly payment is $13.89 for every $1,000 you finance. Must finance with GM Financial. Some customers may not qualify. Not available with lease and some other offers. 0% APR for 72 months available on the 2018 Chevy Silverado 1500, 2019 Chevy Equinox, 2018 Chevy Trax, 2018 Chevy Cruze, 2018 Chevy Volt. 0% APR for 60 months available on the Chevy Malibu. Take new retail delivery by 11/30/18. See dealer for details.
311 Matching Vehicles Found
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Based on model year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.
New vehicle pricing includes all offers and incentives. Tax, Title, Tags and Documentation Fee not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site errors do occur so please verify information with a customer service rep. This is easily done by calling us at 978-458-2526 or by visiting us at the dealership.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a month term % interest and % downpayment.
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† Based on 2018 EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.


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On a day that saw Parrot announce the Anafi FPV, DJI has been doing some quiet Labor Day cleaning on... Read More
DJI has unveiled a new round of price cuts to coincide with the launch of SkyPixel's latest short film competition... Read More
It's that time of the year. Amazon Prime Day. And by extension, every other e-commerce retailer reacting to match or... Read More
It wasn't exactly the best-kept secret in the world, but DJI has officially entered the world of action cameras with... Read More


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Category Archives: Collecting
New Doll: Tonner's Changing Moods Penelope
Many many things I don't do enough. Among them: Box openings Making good records about my collection Getting my collection here to the website to share with you So this is my new, gorgeous girl from Tonner, Changing Moods Penelope. … Continue reading
Posted in Collecting Tagged 16 inch, changing moods penelope, deja vu, doll, fashion, penelope, tonner Leave a comment
Recent Aquisition
I just wanted an excuse (as though I need one) to take a picture of this pretty girl, Madame Alexander's Morning Ritual Cissy. I have a vintage Cissy doll, even though I'm not much of a vintage doll collector. I … Continue reading
Posted in Collecting Tagged cissy, dolly delicacies, madame alexander, morning ritual, new dolls 3 Comments
The Monster High drought is getting on my nerves- and so are the scalpers
What's the deal with Monster High? Let me just say up front that I'm an adult and a doll collector, and I've certainly got no problem with adults collecting and/or playing with dolls, and that ought to be obvious within … Continue reading


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Batwoman #1 debuts this week, Jon Kent and Damian Wayne break into LexCorp, and Cave Carson has a spectacular ending to its first arc. Read More
Tag Archives: warren ellis
DC This Week — Super-Sons!
The Super-Sons have fun bonding, Ellis returns to the Wild Storm universe, and Batwoman's own comic series returns! Plus, Nightwing in a romantic mood is perfect. But about that ending….. Read More
'The View From the Cheap Seats' by Neil Gaiman
Neil Gaiman's fiction has changed my life several times, so it was no great shock to me that The View From the Cheap Seats, a collection of his non-fiction, would also have a profound impact on me. Read More
Review: Field Notes Quintessential Memo Books
I purchased my first Field Notes memo books six years ago at the recommendation of Warren Ellis. I now have an extensive collection of various books from Field Notes, but, like most geeks, I can't stop collecting them, and they are worth every penny. Read More
Are Any Comic Books Romantic Enough to Be Valentine's Day Gifts?
With Valentine's Day later this week, you might want to cuddle up with your significant other and a comic. Check out this list for some good books. Read More
The Superman Mythos and Lois Lane: Why She Matters
"I think Lois is amazing and it comes down to portrayal. She's the woman that Superman falls in love with – think about who that woman has to be. It's not the most beautiful person in the world, but that's … Read More
Checking Back in With the X-Men After All These Years
It's been almost a decade since I was a regular X-Men reader. I was completely and utterly hooked on the original title, Uncanny X-Men, but around the time the title split into X-Force, Generation X, X-Men, Uncanny X-Men, whatever book … Read More
Comics Spotlight on Hotwire: Deep Cut
Happy Comics Release Day! Hotwire was in a batch of review copies sent to me by Radical Publishing, which specializes in action, horror and fantasy stories. GeekDad Jonathan gave an overview of the company's comics last year and I've previously … Read More


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- Trump used speech to brag about 'the great American comeback' but the House speaker said she couldn't find 'one page with truth on it'
- Senate scheduled to vote separately on two articles of impeachment, paving way for Trump to angle for re-election
- Thousands on board Diamond Princess cruise ship in offshore quarantine in Japan after 10 people test positive, as China death toll passes 490
- Buttigieg just ahead of Sanders as Iowa votes trickle in, while Pelosi rips up copy of Trump State of the Union speech and only one Republican senator seems likely to vote to convict Trump
- This year's all-male nominations for best director are just the latest episode in a long history of women being under-represented at the Academy Awards. We look at the data
- Despite my job at a college and my husband's job at a grocery store, neither of us would get paid parental leave. So we made a difficult choice
- The US reality-TV president has shown a stubborn resistance to playing the role of a normal commander-in-chief
- I spoke with widows, newlyweds, monogamists, secret liaison seekers, submissives and polyamorists and found there was no such thing as desire too high or low
- A territory that has 0.5% of the Earth's population plans to use up nearly a thid of the planet's remaining carbon budget
- Barcelona are in turmoil after Lionel Messi accused sporting director Eric Abidal of tarnishing the players' reputation
- Some athletes in Olympic sports live in a world of certainty with steady incomes and access to resources. These four dreamers are from a different place
- Female golfers could be the biggest beneficiaries from an ambitious scheme to revolutionise the sport's World Cup
Varadkar rose to the top of Irish politics without winning an election as leader of Fine Gael. Now he faces voters at a time when many appear to be in the mood for change. Rory Carroll joins the taoiseach on the campaign trail and looks at what the election means for Ireland. Plus: Gaby Hinsliff on the war between Downing Street and the political journalists who cover it
Subscribe:Apple PodcastsGoogle PodcastsSpotify
- 3 out of 5 stars.Despite the presence of a sublime Suzanne Vega, a cheery musical adaptation of the 1969 movie about two couples is too unsure of itself
- Juliette Kayyem has left NSO, which denies its technology has been used to target activists
- State representative Rodney Garcia condemned by his party for 'reckless' remarks but he says he has been praised by supporters
- New book Dark Towers tells of how family coordinated charm offensive to convince ageing supreme court justice to retire
- Department store chain plans to leave weaker shopping malls and focus on smaller stores in strip malls
- Researchers analysed 590 recordings taken in Italian zoos of birds' distinctive sound
- Hatice Cengiz tells Guardian world has failed to punish kingdom over journalist's murder in Turkey
- Chinese leadership admits 'shortcomings' in handling of outbreak as death toll hits 420
- Company, along with Google and Facebook, is under pressure to prevent interference in the 2020 US elections
- For those who live in poverty, money bail can mean an incarceration. And some judges believe that's in their best interest
- Thousands of passengers and crew on two cruise ships in Asian waters have been placed in quarantine after cases of coronavirus were confirmed onboard. About 3,700 people are facing at least two weeks being locked away on the Diamond Princess, a cruise liner anchored off Japan, while 1,800 passengers and crew are being kept onboard the World Dream, docked in Hong Kong
- The Guardian's picture editors select photo highlights from around the world
- A new book looks at how the label went from cult New York skater label to acclaimed brand. Featuring photographs from Ryan McGinley, Alasdair McLellan and Larry Clark, Supreme is published by Phaidon and available from End Clothing until 5 February, then from all book retailers
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Log in at https://portal.bazaarvoice.com to access Bazaarvoice solutions and tools, manage users and account settings, and view reports.
Use the Bazaarvoice Portal to access the majority of Bazaarvoice solutions.
Login instructions | Access help
Use the Bazaarvoice Workbench to access the Conversations solution.
Use these tools to quickly gain value from your Bazaarvoice implementation.
Go to the Bazaarvoice developer portal to access APIs, SDKs, and forums designed to assist developers working on Bazaarvoice implementations.
If you can't find what you need in the knowledge bases, we can help! Select your Bazaarvoice solution from the following list for information about getting support:


text: The results of following Pharm.D I Year Regular/Supplementary Examinations July/August 2018 are declared. The result sheets have been sent to respective college principals. Students concerned are requested to contact their college principals for knowing the results. Pharm.D I Year Regular July/August 2018 Examinations [For 2017 Admitted Batches Only] Pharm.D I Year Supplementary July/August 2018 Examinations [For 2016 and prior to 2016 Admitted Batches Only] Download Official Notification Here Note : 1. Last Date to Apply for RC, CV & PCA : 01-10-2018 2. Procedure to apply for Recounting 3. Procedure to Apply For Challenge Valuation 4. Procedure to obtain Photo Copy of Answer Scripts


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26 Nov 2017 19:19
Phone Psychic ReadingA reader reading is actually someone forewarning the future. Spiritual readings could be offered for a team all at once or even a private especially. While scientists link psychic readings along with activities concealed through the subconsciousness of the spiritual many think that telepathic readings remain in fact messages from the god herself and solution to concerns someone is actually searching for. The second although simply a view goes on to discuss the mystical allure of the fine art followed through early Nicolecammack578.blog.fc2.Com societies for centuries till today.Every lifestyle, whether this is European, African, Chinese, Egyptian or even Indian possesses documentation from effective psychics going back their beginning. Psychics in these lifestyles were handled with appreciation and also given a reliable posture in the culture as they were actually taken into consideration to become the typical individual's hookup with the almighty god himself. Psychics are individuals who are actually looked at through lots of to have magical powers to foretell the future and a great deal of individuals believe that by means of clairvoyant readings a clairvoyant may discover the answers to one of the most intricate of concerns.Mystic analysis has actually constantly been magical as well as though those attempting to locate clinical needs to assist a psychic reading have actually arrived to no cement conclusions, the faith of individuals in clairvoyant readings has actually never ever dropped quick. In reality, folks from around the world today are discovering a new way to receive a psychic reading through the Internet and on the web reader analyses by viewers who could be connected with though their web sites.The non enthusiasts have long claimed that clairvoyant analyses are not supernatural notifications nor one thing that can easily certainly never be actually explained by any individual or even supported through science, yet a mystic reading is just a smart reduction from simple facts and also instances. With the inception of internet telepathic reading company let these folks clarify how a person sitting 1000s of miles or continents far from the subject person could provide a spiritual analysis. This is actually something that can actually not be actually verified through any individual or sustained through scientific research as it is above medical descriptions.There are many kinds from spiritual analyses as well as other people stating to have psychic abilities comply with other methods to give a spiritual reading. The most up to date to that list is actually on the internet spiritual analysis which many historians would certainly declare to become an extension of far-off analysis, while an on the internet mystic analysis may likewise be actually carried out utilizing other styles from clairvoyant analyses like numerology, astrology and also prediction, with energetic engagement of the topic himself, a clairvoyant reading may even be actually given by making using of palmistry.The best online psychics widely known forms from mystic readings are actually Astrology readings or horoscope readings each of which are basically depending on the very same computations. Then there is numerology which again is similar in its procedures to astrology and also astrology readings, these three procedures appear to become even more prominent in the far eastern and the main portion of the earth compared with the western world. Palm readings could be categorized as other as that includes estimating and figuring out through having right into account different strategy. Then there is previous lifestyle analysis, mood reading, remote reading, psychometry as well as of course the incredibly popular tarot analyses which as a result of its own nature is actually well-known and has a large adhering to in the western countries.The list from reader analysis strategies may be never ever finishing as well as lots of experts may possess their own one-of-a-kind strategies of offering clairvoyant analyses. A specialist telepathic viewers could likewise provide services for additional compared to one method of these as other persons could need to have various techniques to get in touch with their subject matters. Or like a medical professional may need to have to hand out other prescribeds for different kinds from people, a spiritual could need to have different strategies to connect and discover exactly what they are seeking.Psychic analyses function but not always and certainly not every method for every single individual, therefore if you are just obtaining into this see to it you consult much more than one psychics as well as check out various kinds of mystic analyses to determine which one fits you ideal.


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watch 01:27
The Loop (TV)
Do you like this video?
"Beautiful Eyes" is a song that Homer wrote about Marge a while back that described her every feature in the episode "Little Orphan Millie". The music was written by Alf Clausen and the lyrics by Mick Kelly.
- Homer:
- Oh, I'll never remember what color Marge's eyes are. Uh...brown? No. Orange? No. Elm? Rake? Guessing? Oh.
- Grampa:
- (laughs) Well, well, look who's strolling down Alzheimer Avenue. You used to know everything about that wife of yours, even wrote a song about her.
- Homer:
- A song? (gasps) Wait, it's coming back to me!
- The girl I love's got beautiful hair,
- A blue bouffant from here to there.
- Snow white teeth and lips of red,
- She's my Wilma to my Fred.
- Oh, the girl I love's got beautiful (gasps) eyes!
- When happy, they sparkle, when sad, they cries.
- Those eyes are gems beyond appraisal
- Stunning shade of purest—
- Oh, what is it? I was so close! Let's see, what rhymes with appraisal? Basil, nasal. None of these are colors. Oh, it's hopeless. She'll never love me again.
- Marge:
- Oh, Homie. I'd forgotten that beautiful song you wrote for me.
- (Homer finally looks at her eyes and sees that they are colored...)
- Homer:
- Hazel! Your eyes are hazel! Hazel like the pussy willows by the pond where we first kissed, like the almond paste in the bear claw I ate after we first made love.
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He had been known fondly as "Rev," a youth minister and dean at a Boston high school, who worked with gang members and helped lead anger management courses, a position that regularly brought him into contact with police officials.
But Shaun Harrison's arrest in 2015 on charges that he shot a student jolted Boston's public school system. And details about what prosecutors said was a secret life lead by Harrison, 58, came out during his trial in connection with the shooting of a 17-year-old student.
Prosecutors said Harrison bragged to students about owning guns, told them he was connected to the Latin Kings gang, and that he had killed someone before, according to the Boston Globe. Investigators found guns, ammunition, marijuana and a mural of the Latin Kings gang in a search of his apartment and storage unit.
On Thursday, Harrison was convicted of shooting a student, Luis Rodriguez, who officials said Harrison had recruited to sell marijuana. The jury deliberated for about a day before convicting Harrison. They found Harrison guilty of armed assault with intent to murder and other gun and drug-related charges. He faces as many as 20 years in prison on the assault charge.
Harrison had met Rodriguez at English High School, where he worked as a dean of academies, a role that required him to help identify support for students with behavioral, social and emotional issues.
During their initial meeting in the cafeteria, Rodriguez testified that he told Harrison that he was high on marijuana and said that Harrison had told him he had smoked the drug the night before.
Later, Harrison asked the teen if he wanted to make some money and gave him marijuana on at least three occasions to sell, including one time in his office at the high school, according to the Globe.
Another time, Harrison showed Rodriguez a gun at his apartment in the Roxbury neighborhood, according to the Globe, and the two smoked marijuana together.
"As a young teen I was overwhelmed," Rodriguez testified. "I remember pointing it everywhere."
Prosecutors said that Harrison decided to attack Rodriguez because of slumping drug sales.
On March 3, 2015, Rodriguez met Harrison at a gas station in Roxbury. Prosecutors said that Harrison shot Rodriguez with a .380 handgun.
"There's no doubt in my mind," Rodriguez testified. "Mr. Shaun Harrison did."
The jury heard snippets of 911 calls made from the scene.
"He's bleeding bad," a witness said in one. "Kid came running out from an alley, bleeding, said 'I don't want to die, please help me'."
Rodriguez hadn't initially told the police who shot him, bystanders who had helped him or rescuers who had shot him, the Globe reported.
"It took me a while to get all my thoughts back together after being shot in the head," Rodriguez testified. "I was in such denial. I knew who did it. Of course I knew who did it."
Rodriguez suffered a broken jawbone and nerve damage and hearing loss. The bullet had entered his head just beneath his right ear and narrowly missed his carotid artery, according to the Associated Press.
Harrison's lawyer, Bruce Carroll had admitted that his client kept unlicensed guns he said he had inherited from his parents, but he disputed that Harrison had shot Rodriguez, the Globe reported.
Carroll did not return a call requesting comment.
Harrison had maintained his innocence.
"I never lived a double life. I never, never, sold drugs. I never, never sold drugs, I never, sold guns, never turned kids into gang members," he told 7 News Boston from jail as he was awaiting trial in 2016. "Me? I would not even know how to do that."
"This guy is probably the last person we would expect," Police Commissioner William Evans said after the shooting in 2015. "He was an advocate for anti-violence. Why would he be on our radar screen?"
A report compiled by the school district's Office of Labor Relations after the shooting detailed other allegations against Harrison. While working at another school in South Boston in 2012, Harrison was the subject of allegations that he pushed a female student in the back and threw a roll of tape at her. The pushing of the student was not substantiated, the report said, but Harrison was counseled about his "unprofessional behavior," and issued a written warning.
He also was the subject of allegations that he made inappropriate statements to two students and allegedly discussed recreational drug use. The headmaster found that Harrison had made the remarks but that the allegations about the drug use comments were not substantiated.
When he was hired at English High School in January 2015, he had beat out about 50 other applications after a hiring team found him to be the most suitable candidate, the district report said. The day of the shooting, it was reported that Harrison had allegedly threatened to smack a female student and pushed her, for which the headmaster of the school decided to fire him two days later.
"Shaun Harrison went through the same hiring process as any other employee that is hired by the Boston Public Schools, including applying, interviewing and providing references for positions as required, with exception of the hiring pool process for BTU members who are excessed, the rules for which were also followed accordingly," the report concluded. "In the case of Shaun Harrison, an investigation into each of the three disciplinary actions found each decision, under our existing policies, to be the correct and just course of action."
The report recommended that an outside entity review the district's disciplinary policies.
"This defendant presented himself as a man of faith dedicated to helping young people," Daniel Conley, the district attorney of Suffolk County, said in a statement. "He betrayed the victim and he betrayed the community he claimed to serve. It was only by sheer luck that the victim survived this attempted execution to identify Harrison for what he is - a violent predator and a fraud."