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Oh, to Grace How Great A Debtor
From sometime in August of 2009 until May 6, 2010 my wife experienced almost all of the trials of pregnancy. I still remember quite vividly her weak stomach, all day sickness, back aches and side pains, dehydration and pre-term labor, difficulty sleeping, and of course contractions that climaxed in the pains of delivery. However, when Luke was born, there came a joy, and it is an increasing joy to this day, that has overwhelmed all of those trials of labor — at least in my mind! At the end of the day, her labor was not in vain.
The apostle Paul and his companions, Silas and Timothy, labored in the gospel at Thessalonica, but because of must affliction and suffering, he thought that their labor might have been in vain. And, so, Paul sent Timothy to them for a check up, he says in 3.2-3, "to establish and exhort (them) in (their) faith, that no one be moved by these afflictions." And, Timothy's report was good news to Paul — their labor was not in vain. God had providentially blessed their gospel labors; the believers in Thessalonica were standing strong by God's grace.
And, so, Paul rejoices and this letter is an expression of this joy that their gospel ministry had been providentially blessed; so what we have in the passage that we've just read is the first expression of Paul's joy in a worthwhile gospel ministry, and we might ask then "what does Paul's joy look like? How does he express it?" — by seeking to further strengthen them in God's grace.
Now, this is useful for us this morning because we have a tendency to become used to God and used to grace. It is much like me having lived my whole life in South Carolina, and having people learning this fact about me and saying, "South Carolina is such a beautiful place," and I just sort of say, "Huh." I don't see its beauties because I've become used to it, and I've begun to take it for granted. I don't feel its beauties any more. But, that is not what Paul wants to happen for us in relationship to God, and so he seeks to awaken us by drawing attention to God and His grace in our lives. It is good for us to huddle up around the embers of our God, and around the flames of his grace, so that our hearts might take in fresh portraits of divine grace.
And there are three ways that Paul awakens us by drawing attention to God and His grace in our lives — first, he grounds all of our commendation in grace (it is a humbling commendation); second, he grounds our conversion in a doctrine of grace; third, he reminds us of five evidences of grace in the heart.
First, he grounds all of our commendation in grace (it is humbling commendation).
In 1.2-3 Paul writes, "We give thanks to God always for all of you, constantly mentioning you in our prayers, remembering before our God and Father your work of faith and labor of love and steadfastness of hope in our Lord Jesus Christ."
Paul has a double purpose in this thanksgiving — he really does want to commend these believers for their authenticity and at the same time he wants it to be a humbling commendation; he doesn't want it to be a commendation that leaves them with the possibility of becoming puffed up and prideful, which actually serves to bring God's opposition into our lives, but rather to encourage them in such a way that they are humbled by it. The way that Paul goes about doing this is by telling them that their practice of Christianity is authentically divine, and at the same time, accomplished by divine grace.
And, so, he actually does commend them. He writes in 1.3, "your work of faith and labor of love and steadfastness of hope in the Lord Jesus Christ" which I simply take to be authentic Christianity. It is not abstract work, or an abstract labor, or steadfastness; no it is the work of faith, the labor of love, the steadfastness of hope; and it is not faith without works or love without labors or hope without steadfastness, but it is faith with works, love with labors, and hope with steadfastness in the Lord Jesus Christ. So he is commending the Thessalonian believers, really and personally for their authentic Christianity. But there is a danger in 1.3, that if he doesn't come back and thank God for them and their authenticity, they might become prideful, we might become prideful. And so, in 1.2, he says we give thanks to God always for all of you, constantly mentioning you in our prayers. This thanksgiving is the highest commendation, the highest encouragement that any believer can receive.
There are three sorts of thanksgiving — first, the young child who, upon receiving some kindness from you, has to be reminded to say "thank you," and that somewhat insincerely; second, between a spouse or other loved ones, as for example, with my wife, who recently did something for me that freed up some additional time for me to do other things, and I reply quite briefly but lovingly, "Thanks, honey"; and third, when your parent in the faith, the one who knew who you were before the grace of God, thanks not you, but God for you, and not only once but "always" and "constantly" in their prayerful communion with God, where they remember – of all things – "you" and "your" "work of faith and labor of love and steadfastness of hope."
I want you to be able to see that a hearty thanksgiving to God is the highest commendation that you can receive concerning the authenticity of your Christianity, because on the one hand it says, that all of your deeds in Christ are greater than merely human, they are divine in origin — this is your commendation. At the same time these things are by grace and so we get the privilege of entering into divine and redemptive works in the world but God gets the glory. And Paul is not the only one teaching us this. This is what our Lord said also, "that we should let our light shine before men so that they might see our good works and yet glorify our Father who is in heaven" (Mt 5.16).
Which means that God has given us the privilege of doing things that image Him in the world. Now, how does this serve us this morning? Understanding that grace has enabled us to do these things, we are humbled, and humility is the groundswell of greater fruitfulness! We read in James 4.6 that God opposes the proud but gives grace to the humble, and that is exactly what Paul is wanting to do here by thanking God for your authenticity. He is wanting to commend you really and personally, and he is wanting to humble you so that you don't become prideful and invite the active opposition of God into your life; he wants you to be humble so that you can receive more grace, so that you can be more fruitful in all of your labors for Christ. And, therefore, a good rule of grace is that for every one instance of commendation that you receive, you turn it around and give thanks to God one hundred times over.
Second, Paul grounds our conversion in a doctrine of grace.
"For we know, brothers loved by God, that he has chosen you, because our gospel came to you not only in word, but also in power and in the Holy Spirit and with full conviction" (1.4-5b).
Paul wants the Thessalonians to know two things — first, that they are loved by God; and second, that Paul knows they are the elect of God. These two things, love and the grace of election, go together. In fact, Paul writes in Ephesians 1, beginning in 1.4, "(God) chose us in (Christ) before the foundation of the world, that we should be holy and blameless before him. In love he predestined us for adoption through Jesus Christ, according to the purpose of his will, to the praise of his glorious grace" (1.4-6a). So we get it all here — (1) election, (2) love, (3) praise for His glorious grace.
So, Paul wants them to know that they are loved, and brothers and sisters, I want you to know that you are loved by God also. So, what does Paul do? He gives them doctrine! And, it is a mighty doctrine! The election of God is the ground of thanksgiving to God, the ground of humility, the ground of our conversion and the power source for transformed living. This means that we can't just throw it away because it is tagged as "doctrine." If you throw this gracious doctrine away because it causes you mental nausea, you throw away any hope you might have for the conversion of others and any ground for transforming grace in your life. The free and sovereign election of God is not a deterrent to the gospel, but the hope of the gospel. It is not the doctrine of a mean God, but an expression of His eternal love. So we can't throw it away! What must we do with it? Draw near to it as to a fire in the middle of winter, and be warmed by it!
God's gracious election says four things about God's love for you — (1) God's love for you is eternal love. The love of a spouse for another after fifty years is very great and yet imperfect. God has loved you in Christ from all eternity with perfect love. (2) God's love for you is pursuant love. You'll notice in 1.5 that Paul says (my paraphrase), "We know that God has loved you eternally, because His love pursued you," that is, "because our gospel came to you in a particular way." God's love for you sovereignly sought you out and brought the gospel of His grace to you that you might be saved. (3) God's love for you is a dying love. It is the gospel that came to you, that God sent His Son, Jesus, to die for the forgiveness of your sins. "God shows his love for us in that while we were still sinners, Christ died for us" (Rom 5.8). (4) God's love for you is a resurrecting love. Again, in 1.5, Paul writes, "our gospel came to you not only in word, but also in power and in the Holy Spirit and with full conviction." So, the way that you know that you are the elect of God and dearly beloved, is that when you heard the gospel, even though you might have heard the gospel one thousand times before, is that one time, at God's appointed time, your hearts were opened, and God gave you eyes to see and ears to hear, and Christ and Him crucified was no longer folly or a stumbling block to you, but the wisdom and power of God, and you were washed by the Spirit, born again, quickened, awakened, changed, made a new creation and it convicted you of the truth of that gospel.
And, thus, there is an inward change, a new heart, a resurrection in the soul, — at once you saw the light of the knowledge of the glory of God in the face of Jesus Christ, and the eternal love of God for you in Christ. Now, where there is saving grace in the heart, there resides also transforming grace. In other words, grace in the new heart produces outward evidences.
Third, Paul reminds us of five evidences of grace in the heart.
The first evidence of grace — desire to imitate godly examples.
"You know what kind of men we proved to be among you for your sake. And you became imitators of us and of the Lord" (1.5c).
This is most unnatural to mankind. We are born as sponges for sin, sin-absorbers. No one has to teach a child how to rebel or how to become angry or how to be disobedient. They absorb the example that they see in us. There is no saving grace upon the heart yet. This grace trains us to reject the ungodly and to imitate examples of that are pleasing to God. And, this was the sort of example that Paul established for the Thessalonians.
Paul and his co-laborers had proven to be bold in preaching "the gospel of God." They spoke to please God rather than men. They were not greedy or flattering. They did not seek the praise of men. They were "gentle among" them, "like a nursing mother taking care of her own children." They shared not only the gospel, but gave of their own lives so that they would believe the gospel. They "worked night and day" in order "not to be a burden to any of you," and while they toiled they proclaimed the gospel to them still. Their conduct was "holy and righteous and blameless." And, "like a father with his children," they "exhorted" and "encouraged" and "charged" these believers to walk in a "manner worthy of God." This was the example set before the Thessalonians. And, Paul writes, they did this "for (their) sake." This means that the governor set upon their moment to moment activities was the eternal good of others, which raises a question. Is this what determines the priorities of your day? Is your heart so taken by grace that the conversion or growth in godliness of others is the guide of your days? Are your lives lived for the sake of others? Paul could say "yes."
And, you'll notice that they imitated the example that they saw in Paul and his companions. But, not only did they imitate Paul and Silas and Timothy, they imitated the Lord. This is the goal of God in your salvation. "For those whom (God) foreknew he also predestined to be conformed to the image of his Son, in order that he might be the firstborn among many brothers" (Rom 8.29). God has predestined you to look like Jesus, and if you are imitating Him, then this is sure evidence that you are God's child and Christ's brother, and it is a proof of grace in your life.
The second evidence of grace — a surpassing joy in the Word of God.
"And you became imitators of us and of the Lord, for you received the word in much affliction, with the joy of the Holy Spirit, so that you became an example to all the believers in Macedonia and in Achaia" (1.6-7).
Now, more specifically, these believers imitated Paul and Silas and Timothy and the Lord in this way — their joy in the Word was greater than any affliction on account of it! Thus, it is a surpassing joy!
Our Lord was the Word of God in flesh, and He did not speak any other word but that which the Father gave to Him to make known to us. And for this Jesus was "despised and rejected by men; a man of sorrows and acquainted with grief" (Isa 53.3). For His words, Jesus was nailed to a Roman cross. He met more affliction than any other man on earth. And yet, we read in Hebrews 12.2 that our Lord endured the cross, despising its shame, because of the joy that was set before Him. Thus, there was a joy greater than the cross that strengthened Jesus, enabling Him to endure such affliction.
Everywhere that Paul went, the Lord testified to him of persecutions and imprisonments on account of the word of God. Still, he proclaimed the gospel with boldness. What it means then in this passage for Paul and his friends to have proven themselves to the Thessalonians, is that when the fires of affliction arose on account of the Word and gospel of God, they were not the sort to run and hide, but were strengthened by grace to stand fast in those fires and boldly proclaim the message of salvation to them.
Now, it says that these believers imitated their reception of the Word. In affliction they still received it, and they received it with divine, surpassing joy! And, Paul writes, they became examples to all the believers in Macedonia and Achaia. So, we see, a legacy of surpassing joy in God's Word is developing — from the Lord, to His apostles, specifically Paul, and to the Thessalonians who became an example in this same thing to all the believers within 500 miles of them!
This morning, their example is set before us. Will we imitate them and enter into the legacy of surpassing joy in God's Word? Will we become examples of this surpassing joy from Louisville to Madison, Wisconsin? Would we be like John Huss, that 15th century reformer who preceded Martin Luther by nearly 100 years, who, when he was faced with being burned at the stake, said, "Lord Jesus Christ, I wish to bear most patiently and humbly for thy Gospel's sake and the preaching of thy Word, this dire, ignominious and cruel death," and once they had bound his neck to the stake by a rusty chain and lighted the combustibles beneath him, the flames encompassing his body, he sang, "Christ, thou Son of the living God, have mercy upon me." He sang! Who can sing but for a surpassing joy in that Word for which you are being persecuted? It is more than a book; it is the living Word of God through which, if you are born again this morning, you were birthed through it! These are personal words from a personal God, 66 glorious books, and 1 glorious gospel, written down for you! Your surpassing joy in it is a sure evidence of grace.
The third evidence of grace — their proclamation was boundless.
"For not only has the word of the Lord sounded forth from you in Macedonia and Achaia, but your faith in God has gone forth everywhere, so that we need not say anything" (1.8).
They saw no limitations before them in their preaching of the Word of the Lord. There were no hindrances to their faith in God! They entered fully into God's great drama of redemption. God intends for all the nations to worship Him through Christ. The goal of God in history is to cover the whole earth with His glory even as the waters cover the seas. This happens when we have God's heart for the nations. What does this heart look like? The uninhibited, unhindered, eager and bold "sounding forth" of the word of the Lord, the gospel of Christ.
Now, this is the proper response to the grace of the "gospel coming" to them, to us. In the book of Acts, Jesus commissioned the apostles to be His witnesses "in Jerusalem and in all Judea and Samaria, and to the end of the earth" (Acts 1.8). And, as you read Acts, you notice that the gospel progresses in that manner. When you come to Acts 16, Paul wants to go to the Northeast, but the Spirit of Jesus keeps him from going to Asia and leads him to the Northwest so that the gospel might be proclaimed in the region of Macedonia. God, Himself, directs the gospel to come to Macedonia, and Paul's fourth stop is Thessalonica! Now, Thessalonica is not Jerusalem, it is not Judea, it is not Samaria, but it is part, then, of the "end of the earth." This is why the Jews in Thessalonica shouted of Paul and companions, "These men who have turned the world upside down have come here also . . . saying that there is another king, Jesus" (17.6-7).
These believers knew grace! They were not Jews from Jerusalem. They were Gentiles from Thessalonia on the other side of the world. And, God had been turning the world upside down through weak vessels in order to get the gospel to them! They saw a God, and a gospel, and gospel laborers who allowed nothing to stand in their way, and these believers responded in kind!
Brothers and sisters, we are further West than these Thessalonians! How much grace has been involved in all of the providence that brought the gospel of God to you? Your proper response to God's love is a congregational preaching of Christ and a faith in God that is boundless in scope! This is a sure evidence of grace!
The fourth evidence of grace — a reputation for holiness.
"For they themselves report concerning us the kind of reception we had among you, and how you turned to God from idols to serve the living and true God" (1.9).
Their love for God and service to God were widely known. They were not famous for the size of their congregation, or for the greatness of their programs; they were famous for their holiness, for their devotion to God.
In 1 John 5.21, John writes to believers "Little children, keep yourselves from idols." I take this to mean, in a positive sense, "a new affection for God, a new love for God has come by grace; cling to Him! God has filled up your hearts, God will satisfy you — what have you to do anymore with idols?"
Robert Murray M'Cheyne, a Scottish Presbyterian preacher, preached a sermon on October 25, 1840 on Hosea 14.8 which states, "What have I to do any more with idols?" This is how he begins — "If you are this day come to Jesus, God loves you freely. If you believe on Him that justifieth the ungodly, your faith is counted for righteousness. As long as you came to God in yourself, you were infinitely vile, loathsome, condemned — mountains of iniquity covered your soul; but blessed, Blessed, BLESSED be the Holy Spirit who has led you to Jesus. You have come to God's righteous Servant, who by His knowledge justifies many, because He bears your iniquities. Your sins are covered, God sees no iniquity in you; God loves you freely, His anger is turned away from you. What have you to do, then, any more with idols? Is not the love of God enough for thee? The loving and much-loved wife is satisfied with the love of her husband; his smile is her joy, she cares little for any other. So, if you have come to Christ, thy Maker is thine husband; His free love to you is all you need, and all you can care for; there is no cloud between you and God, there is no veil between you and the Father; you have access to Him who is the fountain of happiness, of peace, of holiness, — what have you to do any more with idols? Oh, if your heart swims in the rays of God's love, like a little mote swimming in the sunbeam, you will have no room in your heart for idols."
And, now I say, strive, then, "strive for the holiness without which no one will see the Lord." Cling fast to the God who has promised to cleanse you from all of your idols through Christ by the Spirit (Ezek 36.25). This is a sure evidence of grace.
The fifth evidence of grace — patient waiting for Jesus.
"And to wait for His Son from heaven, whom he raised from the dead, Jesus who delivers us from the wrath to come" (1.10).
There are realities in the world that we hope for — as parents we might hope that our children will receive scholarships to the greatest universities; as children we might hope to receive the gift that we have long desired for Christmas; farmers hope for a good harvest, sports enthusiasts hope for championships; the sick hope for health, the poor hope for provision. But, every Christian has received a hope that is greater than all other hopes because it pertains to deliverance from the greatest realities in the universe — a holy God angry at our sin, ready to pour out divine wrath at any moment. But we who have believed upon Christ have inherited a hope of deliverance. "We wait eagerly," Paul writes, "for adoption as sons, the redemption of our bodies. For in this hope we were saved. Now hope that is seen is not hope. For who hopes for what he sees? But if we hope for what we do not see, we wait for it with patience" (Rom 8.23-25).
The greatest problem in all the world is God's wrath against sin, and therefore, the greatest hope in the world is Jesus who delivers us from the wrath to come. Nothing else is worth hoping in and patiently waiting for! And, so that we might be certain of our salvation, Paul writes that Jesus was raised from the dead. The resurrection of Jesus is God's signature upon Christ's saving work — if you trust in Christ, you have been and will be delivered from the wrath to come. Doctors can save you from bodily sickness, for a time; but Jesus saves you from your sin and from the wrath of God forever! So, wait patiently for your Savior, long for His coming! It is a sure evidence of God's amazing grace!
Dear brothers and sisters, — I will leave you with one concluding thought: if this grace is so great, authenticating all of our labors, being the origin of who we are in Christ, an expression of God's eternal, pursuant, dying and resurrecting love for us, a combustible ingredient upon our hearts causing us to love Christ, and to be constrained by His love, and to bear such splendid outward evidences, a grace that is fundamental to our salvation, our sanctification and our eventual glorification, how great is our God from whom it comes. Grace is like a single ray beaming from the sun! Such a ray is infinitely less than the sun itself; so God is infinitely greater than His great grace in our lives! Now, I commend you most highly to the grace of God, and infinitely more to the God of grace. While this passage certainly speaks of grace, God pervades it — 18 times Paul makes some mention of God. This is nothing less than the "life of God in the soul of man." Brothers and sisters, may your lives be tightly bound to Him who is the Treasure of the universe. Let us, then, close in prayer to our unfathomably gracious God —
Oh, to grace how great a debtor, daily I'm constrained to be; let Thy goodness like a fetter bind my wandering heart to Thee. Father, help us to know more of your grace in our hearts and in our lives, and let our hearts be turned to You afresh. Quicken us; awaken us, and greatly help us to grow in grace, in humility, in knowledge, in thanksgiving, in joy, boldness, holiness and hope in Jesus' name. Amen.
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Gift Vouchers are available to buy online for Beach Riding, Zorbing and Segway.
We have great value gift vouchers for beach riding, zorbing and segway on their own, or including B&B accommodation to make a special break.
Ideal for the horse riding enthusiast, or those that want to try something new!
Quality Rye Grass Mix Haylage
For more than 25 years we have been producing excellent haylage.
Over this time we have perfected a great way to make a premium natural haylage bale.
For more information and to order your haylage see our Haylage Wales page.
We are located in Pembrokeshire, on the West Coast of Wales in the middle of the stunning expanse of St Brides Bay. To the south is Broadhaven, Marloes and Skomer Island. To the north is Newgale Beach and the St Davids peninsular. The county town of Haverfordwest is 15 mins drive away.
We have over 60 horses and ponies with something to suit every rider. There is a short hack across our fields to the beautiful beach of Druidstone Haven which is the main location for Beach Riding. When the tide is in then there are plenty of countryside tracks and paths to explore.
The Stables is also home for fun activities of Zorbing and a Segway Course, and lessons can be taken in our indoor school.
There is extensive accommodation available close to the stables with our own self catering cottages and the historic Glebe House B&B.
Located next to the riding stables and car park is our recently built John's Barn, with tables, chairs, comfortable sofas, and a wood burner for the colder months.
Visitor's to Nolton Stables are welcome to relax before and after their rides, or wait for partners and friends that are out on a beach ride, or taking a lesson.
We can provide chilled soft drinks, tea & coffee, and light refreshments, with more to come soon!
After your ride photos taken that day will be available to purchase as prints, or on a pen drive.
See Refreshments at John's Barn for more details.
We have 3 internal stables available, with lights and automated water bowls.
Home grown Haylage and straw bedding included.
Grazing paddocks and all yard equipment.
Emergency access to local vets, farrier and equine supply merchants.
Plenty of parking space for horseboxes and trailers.
See the Bring Your Horse on Holiday page for more details.
"Thanks for an amazing 3 days - fabulous riding on a stunning beach with amazing horses. Beautiful house, friendly people - we'll be back!! You even arranged for the sun to shine! Thank you."
Julie & Julia
"What a great place. A real home from home. Thank you Penny."
Teresa & Catherine
"We had the most wonderful time! We loved the room (and the bath - particularly after riding!!) and enjoyed every second of the riding. Even the weather was perfect. Thank you, we will be back."
Sarah & Flora
"The end of an incredible riding tour around Wales. A privilege to stay in such a beautiful, family home and ride safe horses that know their job so well. Room was stunning - bed, shower, breakfast et al was spot on. Magical to canter ponies in the surf with a huge smile on my face (have the picture to prove it). Penny, Lawson, Lily, Holly & all staff fab. Thank you so much."
Mary Emma J Watson
"Thank you so much for your kind hospitality. Lovely house and beautiful part of the world. We will certainly be visiting Wales again."
Sarah & Matthew
"Thank you very much - we loved the house and the shower almost knocked us off our feet - just what we needed after a long day walking. The horse riding experience next morning was outstanding."
Dale & Jane
"Beautiful place, lovely accommodation and Penny was great. Nothing too much trouble. Riding was fantastic, thoroughly enjoyed it. Definitely come again!!"
Leigh, Lisa, & Liz
"Yet again fantastic break. Best riding ever, wonderful beaches. Thank you so so much."
Wendy & Pete
"What an experience! Absolutely incredibly awesome. Penny, Lawson and rest of staff superb. Will certainly be back and would recommend to anyone. Many thanks to all. PS Horses very placid & magnificent & very well matched to riders."
June & Alan
Nolton Stables provides quality holiday accommodation, both self catering and bed & breakfast, along with unique beach horse riding, zorbing and segway racing.
Located in the small village of Nolton we are easily accessible from Haverfordwest, and central to the west coast of Pembrokeshire.
The Pembrokeshire Coastal Path is nearby, along with the coastal villages of Broadhaven, Little Haven, Newgale and Solva. Skomer Island is easy to reach from Nolton.

subset: commoncrawl


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Submitted by farhan on
Following a High Court judgement which reduced the sentences of City Harvest Church leaders involved in the misappropriating of $50 million worth of church funds, the Attorney-General's Chambers has filed a "criminal reference" to the Court of Appeal in an attempt to get the original sentences restated.
This means that the trial for the City Harvest Church leaders, Kong Hee, Tan Ye Peng, Chew Eng Han, John Lam, Serina Wee and Sharon Tan will go on.
In a split decision on Friday, the High court had reduced the charges for the CHC leaders after convicting them of the least aggravated form of Criminal Breach of Trust under section 409 of the Penal Code.
"Having carefully considered the written grounds, the prosecution is of the view that there are questions of law of public interest that have arisen out of the High Court's decision, including and in particular, whether a director or a member of the governing body of a company or organisation who is entrusted with property, or with any dominion over property, is so entrusted in the way of his business as an agent for the purposes of section 409 of the Penal Code," wrote the AGC in its statement to the media.
"The prosecution has accordingly filed a Criminal Reference today, to refer these questions of law to the Court of Appeal.
"If the Court of Appeal answers the questions referred in accordance with the prosecution's submissions, the prosecution intends to request that the Court of Appeal exercises its powers under section 397(5) to reinstate the appellants' original convictions under section 409 of the Penal Code and make necessary and consequential orders in relation to the sentences given."
The AGC had informed the Government that it would be appealing the reduced sentences of the CHC leaders, and Law Minister K Shanmugam had also said that the Government believes that the "original sentences were too low as well".
In the ruling, Kong Hee's original sentence of 8 years was cut to 3½ years. CHC's former fund manager Chew Eng Han had his 6 year sentence cut to 3 years and 4 months. Deputy pastor Tan Ye Peng had his 5 year sentence cut to 3 years and 2 months. Former finance committee member John Lam had his 3 year sentence halved to 1 year and six months. Former finance manager Serina Wee had her 5 year sentence cut to 2½ years, while another finance manager Sharon Tan had her 21 month jail sentence reduced to 7 months.
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If you graduated college with federal student loans, you have 10 years to pay back your loans with the standard repayment plan. Depending on how much your current monthly payment & salary is, you may need a little more time. Thankfully, federal student loans are some of the most flexible types of loans when it comes to repayment options.
Although you do need to apply for a repayment plan&will potentially need to show supporting documentation to be approved for your new plan, it can be easier than you think. Below, are some of the different options you have in regards to repaying your federal student loans.
Income-Driven Repayment Plans
Income-driven repayment plans are the one competitive advantage that federal student loans possess over their private counterparts. With these plans, your monthly payment is capped at a small percentage of your monthly adjusted gross income and you pay no more than that amount each month. And, if you have a really low income, high student loan balance, or a combination of the two, any remaining balance after a designated amount of years (usually 20 years) is forgiven.
The U.S. Department of Education offers several different repayment plans that can help reduce your monthly payment.
Graduated Repayment Plan
This plan still allows you to repay your entire loan balance within 10 years, but, you can have up to 30 years with a federal consolidation loan. With graduated repayment, your monthly payments start low and gradually increase every two years. As your income grows with more work experience, your monthly payment grows accordingly.
Extended Repayment Plan
The extended repayment plan lengthens the repayment period from the 10-year standard up to 25 years. You must have at least $30,000 in federal loans to qualify for this plan. And, you also have the option of choosing a fixed monthly payment that remains the same for the duration of the loan or you can opt for a graduated monthly payment that will incrementally increase you approach the final payment.
Revised Pay As You Earn (REPAYE)
This might be the repayment plan for you if you are considering one that caps the monthly payment to 10% of your adjusted (discretionary) income. The monthly payment is recalculated each year to reflect any changes in your income and family size. If you are married and your spouse has federal loans, they can be included in the REPAYE plan too.
After 20 or 25 years of payment for undergraduate and graduate/professional loans, respectively, your remaining balance is forgiven. However, the balance can be forgiven after 10 years through the Public Service Loan Forgiveness option if you work for a select government or non-profit agency.
Pay As You Earn (PAYE)
PAYE is very similar to the REPAYE plan although one is sometimes cheaper than the other. You will pay no more than 10% of your monthly income and any remaining balance is forgiven after 20 years. Participating in the PAYE plan also allows you to qualify for the PSLF program.
Income-Based Repayment (IBR)
IBR plans restrict monthly payments to 10% of your discretionary income if you are a new borrower after July 1, 2014. Prior to this date will mean you could have to pay up to 15% of your discretionary income. This plan has a maximum repayment period of 20 or 25 years and the monthly payment is recalculated each year depending on your current income and family size.
Income-Contingent Repayment Plan (ICR)
With this plan, your monthly payment will be the lesser of the two options:
- 20% of your discretionary income
- Amount you would pay on a repayment plan with 12 years of fixed payments with adjustments to your income
The monthly payment is recalculated each year based on your income, family size, and total outstanding loan balance.
Any remaining balance is forgiven after 25 years unless you qualify for the PSLF option when your loans are forgiven after 10 years.
Income-Sensitive Repayment
The final income-driven repayment plan will base your monthly payment on your annual income and allows you up to 15 years to repay the balance. Also, each federal lender might use a different formula to calculate the monthly payment, so your potential payment can vary.
What about Federal Consolidation Loans?
If none of the above options seem like a good fit, one final option is a federal consolidation loan. With this option, your loans are serviced by a federal lender meaning you still retain the various forgiveness and income-driven repayment options that you might decide to apply for in the future.
Through federal consolidation, you have up to 30 years to repay the balance. Unlike private student loan refinancing, your interest rate will not go down as federal lenders use a weighted average of all the loans you wish to consolidate. But, you will not receive a lower interest rate with any of the other repayment options, only an extended repayment term and potential forgiveness if you have a high debt-to-income ratio.
No matter which option you choose, it is easy to change your student loan repayment plan & lower your current monthly payment.


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Sony A6000 with 3 Lenses TEN DAY Kit Rental.
Rental includes:
– Sony A6000 24.3mp APS-C mirrorless camera with body cap.
– Sony 10-18mm f/4 OSS E lens with lens hood and front and rear caps.
– Sony 16-50mm f/3.5-5.6 OSS PZ E lens with front and rear caps.
– Sony 55-210 f/5.6 E lens with lens hood and front and rear caps.
– Three Sony NP-FW50 batteries and wall charger.
– Padded case.
This camera accepts Sony E Mount lenses only. This kit weighs just 36 ounces!
This item rents for $120 for SOPHA Members, $150 for Non-Members for TEN DAYS.
While SOPHA's standard rental period is two nights, this kit is offered as a TEN DAY RENTAL. This kit is the most widely traveled kit SOPHA offers. The ten day rental is intended to accommodate photographers on a one week vacation schedule. This kit is VERY popular and a reservation is recommended.
Why is this kit popular? Because on some vacations you just don't want to lug 40 pounds of camera gear. This kit gives you a full crop sensor 24 megapixel camera set up with great lenses that weighs about three pounds total. Yes, it is that awesome.
Pick up and drop off times are scheduled with each customer.
Because of the popularity of this kit we are not able to accommodate reservation cancellations. Full payment is due with your reservation. Yes, this kit is that popular.
SOPHA does not offer insurance: you are responsible for all rentals including all damages or loss at the full retail value of the equipment plus time lost out of service.
Rental rates are subject to change. We are not responsible for typographical errors.
Looking for something? Ask! We just might have it!
Call SOPHA at (603) 782-8403 to reserve your gear or get our advice on the gear to best fit your needs.


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G-Eazy in concert with A$AP Ferg, Marc E. Bassy, and Nef The Pharaoh
One of the hottest up-and-comers in the hip hop game, G-Eazy makes sure his packed live shows are wild nights that fans will love bragging about to their friends. The minute he steps on stage, the hip hop heartthrob radiates an effortlessly cool vibe and a refreshing sense of humility. His confidence, talent, and hit-filled catalog -- which has earned him comparisons to French Montana and T. Mills -- instantly captivate ticket buyers' hearts and ears. Slower songs like "Plastic Dreams" get kicked up a notch in concert, and G-Eazy and his backing band -- which typically includes a guitarist/programmer and a drummer -- always make sure the crowd is thoroughly amped. As he tears into a diverse setlist that includes party starters like "Loaded" and "Lotta That", G-Eazy never fails to take audiences along for a truly thrilling ride.


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- Entertainment >
- Sportscene >
- Football >
- Liverpool
Suarez heading for Arsenal?
- Getty Images
Where Luis Suarez will be playing his football next season remains a subject of considerable speculation. At the end of last season the controversial Uruguayan had intimated that he wanted to leave English football because of the intense media scrutiny that followed him around after his 10 match ban for the biting incident against Chelsea.
Subsequent events would make it appear that he just wants to leave Liverpool because they are a bit average, they aren't in the Champions League and the manager Brendan Rodgers isn't quite as impressive as somebody like, oh, Arsene Wenger perhaps.
Arsenal are very keen on signing Suarez. They put in a bid of £40 million plus a pound coin, supposedly triggering a release clause in Suarez's contract. Liverpool deny that they have to sell at that price, but Suarez is keen to talk to the London club.
Rodgers seems a little out of the loop. He said that Suarez would remain a Liverpool player "unless something drastic happens". Yes, Brendan, something drastic would be a transfer to Arsenal, which still seems eminently possible.
"He's been surrounded by speculation," Rodgers said after Suarez played in a friendly in Melbourne, "but he's very much a Liverpool player and over the course of the next number of weeks we've got to get him up to speed and have him fit and raring to go for the beginning of the season."
Arsenal might be grateful for that. Suarez has enjoyed considerable support from Liverpool over the course of a troubled season, although he repaid them with the goals that salvaged a mediocre season from becoming a disastrous one. Rodgers appealed to Suarez's loyalty. "Luis will always be linked with top clubs but I think the support he's received from the supporters and the people of the city of Liverpool has been unrivalled," the manager said.
- Tags:
- Arsenal,
- Liverpool,
- Luis Suarez


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This press conference took place on Monday 25th July 2018 at Thorp Arch and was Marcelo Bielsa's first public appearance as manager of Leeds United. Andrea Radrizzani: Hello good afternoon I hope you had a […]
Category: Football
Novelty, Thy Name is Woman: What Karl Marx would say about Women's Football
In celebration of Euro 2017, Jon Mackenzie looks at what Karl Marx might have said about women's football…
Naby Keita and the Long March of Capitalism
Jon Mackenzie looks into the context underlying the Naby Keita transfer saga and seeks to determine what it tells us about the current state of football.
Hoffenheim vs Braga – Europa League Preview
Jon Mackenzie gives the low down on Hoffenheim's opening European fixture against Braga.
RB Leipzig vs Monaco – Champions League Preview
Jon Mackenzie previews RB Leipzig's European deabut for the Futbolgrad network,
Borussia Mönchengladbach vs Köln – Bundesliga Preview
Jon Mackenzie previews the Gladbach – Koln derby.
Schalke 04 – The Big Season Preview
Jon Mackenzie weighs up the odds for the Die Königsblauen going into the next season.
Pierre-Michel Lasogga – Leeds United's Target Analysed
Leeds have targeted Hamburger SV's striker Pierre-Michel Lasogga. Jon Mackenzie takes a look back at a career that was not always straight forward.
RB Leipzig – The Big Season Preview
In this preview, Jon Mackenzie looks forwards to what is in prospect for RB Leipzig over the course of the next season.
Borussia Mönchengladbach – The Big Season Preview
Jon Mackenzie takes a look at Die Fohlen in the run up to their 2017/18 season.


text: This set of rock wall holds offers a ¾ of a finger pad to a full finger pad of crimper edge. On lower angled walls, you'll find that you can pinch and really dig your fingers in on various parts of the hold. When the angle of the wall gets steeper, the thumb that felt so good when the hold was on a vertical wall becomes a thumb catch on various parts of the detailed sandstone design. Crimpers, especially on steep walls can cause tendon injury. If you are beginning to learn crimping climbing, be sure to be properly warmed up and on lower wall angles. Stay away from dynamic moves. You can easily shock load a tendon and injure it. Climb safe.


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A fully Internet-based curriculum, ODYSSEYWARE enables teachers to effectively direct individual learning experiences for academic success. Using the following Guided Learning Process, teachers and students move through units and courses that are directed toward student mastery.
Through placement testing, teachers identify a student's skill/knowledge base for appropriate grade level placement.
Based on the outcome and student learning style, teachers recommend an individualized strategy and customize curriculum to guide students toward meeting academic goals and performance objectives.
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Teachers are able to analyze student progress easily through observation and ongoing formative and summative assessment. Differentiated learning plans can be adjusted as needed.
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OnTRACK lessons are written by Texas classroom teachers. Curriculum experts who are former Texas teachers are working to closely align the lessons with State standards, assure the quality of the content and assessment items, and organize the learning materials for online delivery.
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Reports are surfacing regarding a connection between talcum powder use and it causing ovarian cancer. If you have been diagnosed with ovarian cancer after having used baby powder or products such as Shower to Shower body powder containing talcum powder, you need to contact an experienced lawyer familiar with talcum powder lawsuits here in Central NY.
Manufacturers, such as Johnson and Johnson, have known of the link between talcum powder and ovarian cancer for over 40 years. The recent lawsuit involving talcum powder states that these manufacturers failed to warn consumers of the increased risk of ovarian cancer caused by using talc-based products for personal hygiene use in the genital area. Moreover, despite its talc supplier adding warning labels in 2006, Johnson and Johnson chose not to add similar warnings to its products, according to litigation documents.
The attorneys at Brindisi, Murad & Brindisi Pearlman are reviewing personal injury cases related to people suffering from ovarian cancer due to the use of talcum powder. If you or someone you know has used talcum powder products and now has been diagnosed with ovarian cancer, contact The People's Lawyer today.
What Is Talcum Powder AND WHY IS IT Utilized?
Talcum powder is made from talc, the main ingredient in baby powder. It is a white powder primarily made up from the elements of magnesium, silicon, hydrogen and oxygen. When talc is finely ground, it helps to reduce friction and absorb moisture, making it useful for keeping skin dry and preventing rashes. It is widely used in cosmetic products such as baby powder to reduce diaper rash, used in cosmetics like blush and in adult body powders to reduce odors.
Common SIDE EFFECTS Of Talcum Powder Usage
Initially the main health concern was from long-term exposure of the inhalation of talc which raised the risk of lung cancer. However, today the most serious concern is the use of beauty products by women. There has been a connection established between woman using talcum powder and ovarian cancer, caused by the powder entering the ovaries through the vagina. According to the International Journal of Gynecological Cancer, frequent talcum powder use on the female genital area increases the risk of ovarian cancer between 30-60%. The more often a woman uses it on her genital area, the more likely she will experience ovarian cancer.
Additionally, talcum powder has been associated with respiratory issues, especially in infants. This is caused by the powder becoming airborne during normal application. When inhaled by infants, the powder can cause wheezing, fast and shallow breathing, coughing, and in some cases acute or chronic lung irritation. Long-term exposure to talc can cause pneumonia and asthma symptoms.
JOIN THE Lawsuit
It is believed that the talcum powder link to ovarian cancer has been known by companies like Johnson & Johnson for more than 40 years.
Learn More
Talcum Powder Lawsuit Eligibility
At Brindisi, Murad & Brindisi Pearlman, we have experience determining if you are eligible for filing a talcum powder lawsuit and helping you get financial compensation that may be available through a talc-related Johnson and Johnson lawsuit as a result of their failure to adequately warn women and the medical community about the potential risk of ovarian cancer.
In order to be eligible for a talcum powder lawsuit, a woman must have used a product containing talcum powder, such as Johnson and Johnson Baby Powder or Shower to Shower body powder, and have been diagnosed with ovarian cancer. If you have used a product containing talc and feel that it has had a negative impact on your health, one of our attorneys can help. Contact us for a free, no-obligation case evaluation. Time is limited, it is important for you to act today. There are no fees or expenses unless a recovery is obtained for you.
Our attorneys are nationally recognized and are experienced in all aspects of serious personal injury litigation, including, defective products litigation. Our law firm has been in business for over 56 years. We know first-hand how devastating it can be to have been seriously injured or to have had the misfortune of losing a loved one.
We are committed to helping victims receive settlements fast. Our law firm has secured well over $100 million for our clients in verdicts and settlements. The attorneys at Brindisi, Murad & Brindisi Pearlman are focused on personal injury law, fighting for the rights of injured people. If you have been diagnosed with ovarian cancer after using a talcum powder product, we will fight to help you get the compensation that you deserve.
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Three Ways To Sell Your Business
Three Ways To Sell Your Business By: Chris Lynch CEO Lynch Sales Company December 15, 2015 There are three ways to sell your retail business, but only one way to do so profitably. Selling to a group of employees or individual investor may preserve some jobs at the local level, but those buyers will not … Continue reading
ETHAN ALLEN INTERIORS PRESS RELEASE BATON ROUGE, LA – FOR IMMEDIATE RELEASE! NOVEMBER lO, 2015 One of the areas most distinguished furniture stores, ETHAN ALLEN INTERIORS, located at 10300 Perkins Road, in Baton Rouge, is emptying their warehouse and placing their entire inventory onto their showroom floor for immediate liquidation. At the conclusion of their Great $500,000 … Continue reading
YESSICK'S HOME FURNISHING CENTER PRESS RELEASE CHATTANOOGA, TN • FOR IMMEDIATE RELEASE! OCTOBER 7, 2015 One of the areas' most distinguished retail stores, YESSICK'S HOME FURNISHING CENTER, announces the closing of their store, located at 1926 Gunbarrel Road, in Chattanooga. At the conclusion of their Great Retail Store Closing Sale, which begins Friday, November 13th, … Continue reading
McArthur Furniture Press Release
McARTHUR FINE FURNITURE PRESS RELEASE CALGARY & AIRDRIE, ALBERTA • FOR IMMEDIATE RELEASE! OCTOBER 15, 2015 One of the areas' most distinguished furniture stores, McARTHUR FINE FURNITURE, announces the decision to update their showrooms and restock their sales floors with all new merchandise, located at 67 Glenbrook Place SW, in Calgary and 141 Gateway Drive … Continue reading
A Massive Thank You for Another fantastic Sale!
Mr. Gareth Price UK Divisional Manager Lynch Sales Company 29 Warblington Road Emsworth P010 7HE 20th October 2015 Dear Gareth, Ref: The Great £6 Million Stock Sell Out — (AND IT DID!) Just a brief note, to say a massive thank you for another fantastic Sale. I think it's fair to say that we probably … Continue reading
Think Big, just don't over-think!
By: Chris Lynch CEO Lynch Sales Company September 24, 2015 As Daniel Hudson Burnham, American architect and urban planner famously said when helping build Chicago's mighty and impressive skyline: "Make no little plans; they have no magic to stir men's blood and probably themselves will not be realized. Make big plans; aim high in hope … Continue reading
John Bailey joins Lynch Sales Co.
John Bailey joins Lynch Sales Co. Originally Posted on Furnituretoday.com • Furniture Today Staff — Furniture Today, July 16, 2015 CHATTANOOGA, Tenn. — The Lynch Sales Co. has hired John Bailey as sales conductor. Bailey and his wife, Jennifer Bailey, are traveling throughout the United States, coordinating sales events for furniture retailers, and implementing Lynch's copyrighted promotional … Continue reading
Repeat Clients Say It Best!
"It was a success once again, up to expectations, creating a large flow of customers into the stores and making the sales we needed." Polis Xinaris Xinaris Home Colection • Cypress 13th July 2015 Gareth Price, The Lynch Sales Company, 29, Warblington Road, Emsworth, PO10 7HE 13th July 2015 Dear Gareth It was a pleasure … Continue reading
TIME FOR ACTION: Lynch Sales' UK divisional manager, Gareth Price, offers his advice to retailers on how to stay current.
Article originally published in Cabinet Maker, 26 June 2015 Issue How to kick start your own recovery. After a prolonged downturn we learn that consumer confidence is returning to the market, wages are increasing, and household bills reducing. Unemployment is down to 5.5%. This is great news, but what if the promised up turn has not yet reached your door? Our response would be don't … Continue reading


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Month: September 2008
Quantum Parallelism as a Tool for Ensemble Spin Dynamics Calculations | Phys. Rev. Lett. 101, 120503 (2008)
Quantum Parallelism as a Tool for Ensemble Spin Dynamics Calculations
Gonzalo A. Álvarez1,*, Ernesto P. Danieli2, Patricia R. Levstein1, and Horacio M. Pastawski1,†
1Facultad de Matemática, Astronomía y Física, Universidad Nacional de Córdoba, 5000 Córdoba, Argentina
2ITMC, RWTH Aachen University, D-52074 Aachen, Germany
Received 19 October 2007; published 19 September 2008
Efficient simulations of quantum evolutions of spin-1/2 systems are relevant for ensemble quantum computation as well as in typical NMR experiments. We propose an efficient method to calculate the dynamics of an observable provided that the initial excitation is "local." It resorts to a single entangled pure initial state built as a superposition, with random phases, of the pure elements that compose the mixture. This ensures self-averaging of any observable, drastically reducing the calculation time. The procedure is tested for two representative systems: a spin star (cluster with random long range interactions) and a spin ladder.
© 2008 The American Physical Society
via Phys. Rev. Lett. 101, 120503 (2008): Quantum Parallelism as a Tool for Ensemble Spin Dynamics Calculations.


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Season 23
South Park s23e02 South Park
[ Speaks Mandarin ]
Hello. Howdy.
I'm a small business ownerfrom the United States.
You guys knowany money people here?
Can I give you guys my card?
I'm just starting to growmy business here in China.
[ Speaks Mandarin ]
What is this, sir?
Oh, that? That's weed.
You know...[ Breathes deeply ]
[ Speaks Mandarin ]
Oh, here we go.
Jay shi daamaaTegridy Weed.
Whoa! Oh, hey!Everything alright?
What's going on?
Oh, hey, d-don't forgetmy suitcase!
C-Could you grab my suitcase?
All my weed is in there!
Excuse me?
Jay shi damaa!
That's Weed!
Band in China s23e02
Randy gets arrested when he tries to enter China with a suitcase full of Tegridy.


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For the first time in my life, I don't spend as much on stuff anymore. I know it's a big surprise to many. I was super gastadora before. I tend to buy all kinds of stuff at an impulse. Don't get me wrong, I am still not the frugal kind. I still do buy stuff every now and then but the only difference is I am no longer impatient when I really want something so bad. If I see something I like, I think about it and assess my feelings – perhaps, tomorrow I won't like it anymore, ask myself if I really need it, do I have extra money to purchase it, will it give me long term happiness if I do get it. I ask all these questions and if there are more 'NO' answers, then it's time to let it go and move on.
I wish I had been more careful about my finances earlier in life. Had I been well informed and financial literate during my early 20's, I could have been a millionaire now. But there's no point going back and wishing I could have done it differently. Lesson learned. There is no perfect time to study and learn financial literacy than TODAY.
I want to share with you what I have learned so far as a newbie investor and some tips to help you in your finances. I am not an expert, I can't guarantee you that these will work with your current situation. What works for me might not work for you. What I will write and share are mostly based from my own views and experiences hence, do not take this as a professional advice.
1. Track your expenses – if you are the kind of person who doesn't monitor your money, I recommend you start doing it. If you are too lazy or not too keen on using the excel sheet, there loads of free aps available that you can download – I use expense tracker because it's easy, user-friendly and serve its purpose. When you track your purchases, you will see where you are spending your hard-earned money and you will be surprised on how much crap you have bought. This will help you set your priorities right and learn how to stop spending money on things you don't need.
2. Emergency Fund – ideally, 6 -12 months of your monthly expenses. I personally think that setting up your emergency fund is one of the most important steps in taking charge of your personal finance. Sad to say, a lot of Filipino families I know do not have an emergency fund. The first step in setting up your emergency plan is to know 'in and out' of your money (see number 1 above) so you can create your budget plan and allocate an amount to your emergency fund. It doesn't matter if you start putting in small amount as long as you do it regularly and consistently. Our main goal is to build a solid rock emergency fund which you can use to support you and your family in case of uncertainties i.e. job loss, sickness/hospitalization, death etc.
3. Protect yourself with healthcare and insurance – speaking of uncertainties, there are some things in life that are beyond our control like SICKNESS and DEATH. I can't stress enough how important insurance is. It's a sad fact that insurance is considered a 'liability' or an added 'expense' by most Pinoys considering how expensive it is to get sick in Philippines. I remember when my mom was confined in one of the hospital in Las Pinas City for an overnight stay we had to pay around P25,000. In Western countries, you are obliged to have a health and life insurance. I don't understand why majority of Filipinos would rather spend their money on Starbucks weekly for a freaking planner instead of preparing for your kid's education or for your retirement. I know there are affordable HMO available in PH like Maxicare or Bluecross and pay between P3,000-P5,000 monthly. There are also a lot of insurance companies where you can get VULs (insurance + investment) and you pay as low as P52/day and you are already covered for at least P700,000 in life insurance. That is a small price to pay for your peace of mind.
4. Invest – once you have accomplished numbers 1-3, you can now start investing for your future. You can invest in the stock market or mutual funds. Please please please make sure that the money you are investing are your extra cash. Do not, I repeat, DO NOT use your child's tuition or your house mortgage payment to invest in the stock market. Warning: it's very dangerous and risky to get into it without proper guidance and knowledge. Since I am member of the Truly Rich Club of Bo Sanchez, I am being guided and taught on how to invest my hard earned money for the future. If you are interested, I suggest you check it out -> TRC. I used COL Financial for my stocks and Mutual Funds. I will write another post concentrating on Stocks and different types of Mutual Funds. Opening an account in COL Financial is very easy. You can read step by step process here – Opening an Account
5. Increase cash flow – now that you have built up your emergency fund and invested in the stock market, you can now think about ways on improving your cash flow. The formula is Make More, Spend Less. Easier said than done I know. There are ways you can make more money, heaps of them in fact. You can do freelance jobs online like encoding, translation, writing, editing at Upwork.com. You can try direct selling, start your online business on IG, eBay, etsy and sell stuff or your clutter even better (garage sale). Or join crowdfunding community like Farmon or Cropital. Not only you will earn profit, you are also helping our farmers on their financial needs. Just be creative in building your passive income empire and your portfolio will increase in no time.


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Save Burney Falls, the non-profit organization which began the efforts to develop a rail-trail between Burney and the McArthur- Burney Falls Memorial State Park, and led the Core Team in its efforts to develop the 80 mile trail, withdrew from active participation on the Core Team earlier this year. Deciding that the mission of the organization had been accomplished, the Board of Directors of Save Burney Falls elected a new Board of Directors. The new Board adopted an expanded mission and purpose and re-named the organization "Great Shasta Rail Trail Association."
Because "Save Burney Falls" no longer exists, and because of its long efforts to develop the rail-trail, visitors to the Save Burney Falls web site are being directed to this Great Shasta Rail Trail site.


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This is my stop during the blog tour for The Girl on Camera by Morgan Dun-Campbell. This blog tour is organized by Lola's Blog Tours. The blog tour runs from 6 till 26 August. See the tour schedule here.
By Morgan Dun-Campbell
Genre: Thriller
Age category: New adult, Adult
Release Date: March 14, 2018
Reality TV is about to get real...
"Are you ready to win the heart of the nation? Compete with seven other contestants for the cash prize? Change your life forever?"
Twenty-six-year old Rory Stevens is thrilled to be selected as one of eight contestants for new reality show: The Retreat.
However, on the second day of filming - during a televised broadcast from the show's host - all power shuts off with no explanation: leaving the contestants, quite literally, in the dark.
Completely stranded, it is now up to Rory and her seven companions to figure out what is happening.
And then one of them disappears...
For fans of Naomi Alderman, Dave Eggers and John Marrs.
You can find The Girl on Camera on Goodreads
You can buy The Girl on Camera on Amazon
Excerpt #1:
He leans forward again, and shakes his head. 'I knew this would happen.'
'Knew what?'
'That you couldn't go through with this. And you see, this is your problem. You're acting as though you need to make some grand gesture, because this,' he jabs his finger down on the tablecloth, 'this is the risk. You and me, moving in together. And you can't handle it. Because you never take risks. You just keep your head down, hope for the best. You're scared of getting out of the comfort zone, and you always have been. All this talk of doing something spontaneous, seizing the moment – you know what? It's all bullshit. I know you. You'll attempt to try something new, maybe go to a cookery class on your own where you have to share a mixing bowl with the person next to you, and in a couple of weeks or so, when you've gotten bored of trying to find a new hobby, you'll call me. And we'll have wasted a perfectly good evening right here, right now. This is a Michelin restaurant, you know.' He opens the menu again, scanning his finger down the options. 'The mushroom risotto is supposed to be delicious.'
I can't take this.
'David. Please. You aren't listening. Nobody is, that's the point.' I draw my chair out noisily, people from other tables glance over momentarily, before resuming their conversations. 'I feel like I'm being suffocated. And if you can't take me seriously, then we shouldn't be together at all.'
I am gathering my handbag, when to my alarm, he reaches over and seizes my arm.
'Rory. If you really are being serious, then I hope you remember this moment, over the coming weeks and months. We have a good thing, here. I can't guarantee I'll be there for you if you end up sorry for what you've wished for.'
'I'll be fine. Please let go of me.' I steel my voice, waiting for him to let go.
His eyes darken, and he presses his lips into a thin white line.
'Fine.' He promptly lets go. I gather my handbag, brush strands of hair away from my face.
'I'm sorry, David. I know you think this is just some momentary freak out, but it isn't,' I tell him. 'But I'm sure you'll make someone else very happy.' He slowly shakes his head, then points at me, a strange smirk on his face.
'Remember this moment. You're always running, dear. Too scared to take a risk.'
By the time I get back to my flat after hailing a taxi, the emotions of the night have caught up to me. I pace the room, David's words fresh in my mind. Never before has it felt so like a cell.
Too scared to take a risk? It wasn't the reaction I'd expected from him at all.
I make myself a mug of Earl Grey, then sit at my laptop. Has it always been so quiet? The ticking of the wall clock is my only company.
I check my emails.
And there it is again. That one, tantalising message, staring at me from my inbox.
Bored of everyday life? Dream of being rich? Famous?
My mouse hovers over it. Of course, it could easily be a Trojan virus. But so what if it is? Isn't that a risk that I am taking, David?
I click on the email.
Big Brother? Too tame. I'm A Celebrity? Outdated. What do we want? A cutting-edge new show to push the boundaries!
In five weeks, Channel 10 will be broadcasting our brand new show The Retreat live to the nation – will you be the one to seize the opportunity of a lifetime?
Eight contestants, four male, four female, will be carefully handpicked and taken to our secret location. The experience will include group tasks for the contestants – which may result in punishments or rewards – and a cash prize of £50,000 up for grabs – as well as earning the heart of the nation.
Do you dare to audition? Can you entertain an audience? Have you got a game-plan for the cash prize?
Auditions are being held in London on the 25th of September, as well as the 1st of October in Manchester the following week: click below for post code and directions.
DISCLAIMER: Boring people need not apply
There's a video link, too. Caught up in the moment, I go ahead and click on it.
At first the screen is black. Then there is the scratching noise of a match being struck across the sandpaper edge of a matchbox, and an orange flame flickers on screen. Two slender fingers with purple nail polish are illuminated by the glow. The hand moves forward and a stunning woman's face comes into view, with high cheekbones, light blue eyes and white blonde hair. She wears dark purple lipstick to match the nails.
'Guys, I've got a secret,' she whispers, and the flame flickers some more. Her eyebrows are raised high, and her breaths are short and fast. I assume frightened excitement is what she is going for. 'But I haven't got much time,' she carries on, and she looks to the match for a moment. 'This is the hottest show around and word about it is catching on fast. We are ready to make television history. We just need you.' She is so mesmerising, I get that impression radio DJs are always trying to perfect, that she really is speaking just to me.
The flame is getting ever closer to her hand.
'Are you ready to win the heart of the nation? Compete with seven other contestants for the cash prize? Change your life forever? This is a once in a lifetime chance. But you need to be in it to win it. Ever felt like spicing up life?' I think of the spiced candles rack. 'Are you ready to take a risk?' Now I'm getting goose bumps. 'Great, cause we're waiting for you,' I almost expect her to finish the sentence with my name. 'So hurry up, before it's too –' just when the flame is almost touching the skin of her thumb and index finger, she blows out the match. A second later THE RETREAT appears on screen in white, and flickers, lines and blotches covering the screen, like an old-fashioned film reel.
So here I am. Filling out an application.
As I say, and as David agreed, I don't take risks.
But there's a first time for everything. After all, what have I got to lose?
About the Author:
Morgan Dun-Campbell lives in London. She has an MA (Distinction) in Creative Writing and Publishing, has participated in two Arvon literary writing courses, and has worked as an intern for numerous publishing houses, including Penguin Random House and Bloomsbury. The Girl on Camera is her first novel.
You can find and contact Morgan Dun-Campbell here:
- Blog
- Goodreads
- Amazon
Interview with Morgan Dun-Campbell
1. What is your favorite part of this book and why?
One of my favourite parts is definitely the beginning of chapter five, when the live launch of reality show The Retreat is happening. The contestants are being introduced to viewers watching at home – and the reader – via replaying the two minute video blogs they recorded during the audition process. I really liked this way of conveying a glimpse of their personalities before Rory meets them all, and how it becomes clear why they were each chosen. There's the "former celeb", and the "overly emotional one", and the "cool mysterious one", and so on.
Also, I like the scene when the power shuts off, as it follows a heated moment for one of the contestants, where they saw a glimpse of someone from the outside world – who could be in real danger. Except, rather than being able to help, they're stranded with this group of misfits.
2. If you could spend time with a character from your book whom would it be? And what would you do during that day?
I'd spend time with either Rory, Adam, or maybe Jess. Sure, Jess is cloying – hence why the meaner contestants pick on her – but she's also very good-natured. Adam is hopefully a captivating character to read, as he is intended to be. Still, he can be selective with who he does or doesn't warm to. Rory is the character I'm probably most like, in the way that she'll try to keep the peace via any means necessary, and has a sense of humour about any given situation, no matter how dire. But, she's no saint, either. Although she redeems herself eventually, Rory does have a bit of a selfish streak. Still, she's a good person overall, and would probably be my top pick. I can visualise us on a spontaneous outing to Brighton (small English city by the seaside). I think Rory likes visiting different cities now and then, for the anonymity. Also, it's slightly adventurous, but not reckless – and she's not the biggest risk-taker. Plus, she'd enjoy locations that remind her of her childhood.
3. If you could have been the author of any book ever written, which book would you choose?
This is such a tough question! There are so many books I adore. I'm going to interpret this question as, which book I would choose, based on which book's style of writing is closest to what I am trying to achieve with my own. So, for example, I wouldn't choose a literary fiction book, because my writing is more likely classified as commercial fiction. I am also really interested in dystopian fiction, so perhaps I would choose Dave Egger's The Circle. The combination of a headstrong female protagonist, and an alternate reality which isn't too far from our own, is exactly what I hope to achieve via my own writing. My novel The Girl on Camera is slightly dystopian, and the novel I am currently working on is too. Not surreally so, they are still grounded in reality. I am hoping both novels seem a little like an episode of the TV series Black Mirror.
4. Are your characters based off real people or did they come entirely from your imagination?
Entirely from imagination. At least, as far as I know – unless my subconscious thinks otherwise! Truthfully, The Girl on Camera is one of my oldest novel ideas, which first came to fruition when I was thirteen. It was the second novel I seriously pursued – having started the first few chapters of novels since the age of eleven – and has always been one of my favourite novel ideas I've ever come up with. It's one of my 'originals', and in many ways, is stronger than some of my newer ideas – perhaps I was more imaginative as a child. As far as I can remember, none of the characters have ever been based on real people. Many of their names changed over the years, though. Rory's name changed a few times. But characters like Adam, Freddie, Mariah, and Honey Summers pretty much remained the same.
5. What made you want to become a writer?
It's been my main passion since the age of seven – though I do remember the day I officially decided I wanted to be a writer. I was seven years old, and my mum was driving me back from school after parents' evening. She'd had a long conversation with my English teacher, Mrs Webber, about a story I'd written which had really impressed her. I still remember being in the car on the way back – that was when my mum drove an old-fashioned 2CV. Staring out of the window deep in thought, I officially decided that 'author' would be my future career.
Ever since then, it has more or less remained my main passion. There was a time, around the ages of 11 – 16, when I was equally passionate about drama. In fact, there is a chapter in The Girl on Camera where one of the contestants, Freddie, lists all his near-misses on his pursuit of an acting career. And they're all mine, in real life! Being a part of the ITV Television Workshop, being cast in a daytime movie about WWII alongside Sir Ian McKellen – which was never aired as it was deemed too depressing – and almost getting a small role in Eastenders and Casualty (and also Skins). However fortunately, I didn't develop an unhealthy obsession, like Freddie. Probably because I was already content with my other calling: that of being a writer.
There is a tour wide giveaway for the blog tour of The Girl on Camera. Five winners will each win a prize bundle including a signed copy of the book The Girl on Camera, a bookmark, and a small box of Celebrations. Giveaway is UK and US only.
For a chance to win, enter the rafflecopter below:
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Let me preface this by saying,
I do, I really do. I think pregnant women with large baby bumps are beautiful and sexy and amazing. Unfortunately, I don't think that about myself. I am 4 months along, so the weight gain has begun. My bump isn't an obvious baby bump (unless you know me and remember my pre-pregnant body.) It's more like, well, extra weight. You see, I am in that weird in between stage. (Like when you are growing out your hair and it's too short to put up, but it still awkwardly hangs in your face and there is nothing you can do but wait it out.) My clothes are snug. Anything that buttons at the waist gives me the "busted can of biscuits" look. Nothing I own is flattering, but I'm not quite far enough along to switch to maternity clothes. I hate it. That being said, being the eternal optimist, I started thinking about the bright side. It didn't take long to figure out that blaming the baby is easy…
(It's not as harsh as it sounds)
1) "Do you want to come to my 40th birthday bash tonight? Jello shots, kegstands, and Fireball for everybody!"
Gosh, that sounds awesome and I would LOVE to come celebrate with you, but the baby is exhausted and I need to get to bed early.
2) "Would you like another slice of pizza?"
Yes, thank you. It's not for me, it's for the baby. I'm full.
*stuffs my face with pizza*
3) "Do you need anything, honey?"
Nah, I'm fine, but the baby could use some chocolate. Mind going to the store?
4) [My day off] "Can you work my shift for me today?"
I sure could use the extra money and would be happy to help, but the baby has my stomach in knots, so I think I should just stay in bed.
5) "Want to go bikini shopping/sky-diving/BASE jumping/ to a 5 year-olds birthday party?"
Geez, sounds like the time of my life, but right now my doctor says that's not good for the baby.
6) "Here mija, have some of my homemade menudo."
I'm sure it's delicious and who doesn't love tripe, but the baby seems to have an aversion to cow stomach so I'm going to have to pass.
…and then there's this:
6) "Want to go thrift shopping/out for sushi/grub on queso?"
(I'm exhausted, dehydrated, head is throbbing, tummy is aching, and back feels broken)
*jumps in car, buckles seatbelt, and anxiously awaits to depart!*


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As a trustee, Mr. Brown will ensure that the interests of creditors and debtors are maintained in accordance with the bankruptcy laws. He is responsible for reviewing the repayment plans of debtors and ensuring that debtors have no problems following their plans. At the same time, he ensures that the repayment plans meet the requirements of the bankruptcy code and rules of procedure. A Chapter 13 Trustee also has the responsibility of receiving monthly payments from debtors and distributing the funds according to the bankruptcy code, federal rules of bankruptcy procedure and local rules of bankruptcy procedure.
The purpose of this website is to serve as a resource to the chapter 13 community. The website is intended to provide debtors, creditors, attorneys, judges, and others the information necessary to understand the chapter 13 process.
This website disseminates information to interested parties about Chapter 13 but is not an encouragement for an individual to file a bankruptcy petition.
Please note that the trustee and his staff do not provide legal advice. A bankruptcy trustee does not represent debtors or creditors. Parties in a bankruptcy case needing legal advice should retain a professional to represent them.
For your convenience, there is a web page translator located at the bottom of each webpage.
Latest News:
8/21/2014: The Social Security Administration ("SSA") has advised the US Trustee's office that the SSA will discontinue providing Social Security Number printouts effective August 1, 2014, to protect the integrity of the Social Security number and prevent fraud. For proof of Social Security Number, the person/debtor will have to request a replacement Social Security card by completing the application for a Social Security Card [Form SS-5] and providing the required documentation.
Here is the link to the fillable Form SS-5:
8/6/14: Check Your Judge Assignment and Hearing Location: Due to recent changes on the Bankruptcy bench, your case may have been reassigned to a different judge.
7/10/14: A change was made to paragraphs (D) of the Model SOC Form. Please use this latest version starting today. The latest version is available on the Forms Page of our website.
6/30/14: Changes were made to paragraphs (C) and (C)(7) of the Model SOC Form. Please use this latest version starting today. Soon, not using the latest version will cause rejection of the proposed order. The latest version is available on the Forms Page of our website.
6/1/14: Bankruptcy Filing Fee Increases Effective June 1, 2014: Chapter 13 filing fee increases to $310.00.
12/16/13: The Yuma Bankruptcy Court has moved. The new address is 98 West First Street, Yuma, AZ 85364.
Latest Site Updates:
1/13/16: Updated 341 Meeting Page.
12/9/15: Updated 341 Meeting Dates on 341 Meeting Locations Page.
12/9/15: Updated Office Directory on Contact Page.
11/18/15: Updated Link on Links Page.
11/18/15: Updated link on Case FAQs Page.


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Is she scary or not ?
Nigeria's no 1 blog for latest Nigeria Property, Nigeria House,Private Property Nigeria, Real Estate Nigeria, Lagos Island nigeria, lekki lagos real estate, arable farming land nigeria, Land for sale, to let,for sale and for rent.
Friday, October 31, 2014
See photos of actress Stella Damasus' Halloween look
Is she scary or not ?
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A new study finds that both indulgent and authoritarian parenting styles increases the likelihood of teens using drugs and alcohol.
For the study published in the journal Drug and Alcohol Dependence, the researchers looked at the risk of children using alcohol, tobacco and marijuana in Sweden, the United Kingdom, Spain, Portugal, Slovenia and the Czech Republic.
Researchers stated that the aim of the study was to clarify the type of parent-child relationship that best protects children from taking drugs, using two variables: parental control and affection.
For the study, a total of 7,718 adolescents (3,774 males and 3,944 females), aged between 11 and 19 years, were interviewed.
The study results showed that the indulgent and authoritative parenting style increases the chance of personal disorders and teens taking up drugs.
Classification of families is the result of combining the behaviors adopted by various degrees of demand and responsibility. On the one hand, the authoritative model includes families that "give clear rules and affectionately and flexibly reason with the children when asking for their compliance". The authoritarian model coincides with the authoritative model in that both are demanding and controlling, but it differs in that mothers and fathers show less affection. On the other hand, the fathers and mothers of the neglectful and indulgent models are characterised by their low level of control; however, the former are "scarcely affectionate" and the latter are "very emotional".
"Our results support the idea that extremes are not effective: neither authoritarianism nor absence of control and affection. A good relationship with children works well," said lead researcher, Amador Calafat.
Source: HNGN


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I frequently get questions about homeschooling math. Since I happen to love teaching math, I've made it a goal to help families overcome this anxiety if I can.
Did you know a parent's math aptitude has no bearing on how well children will perform in math class? It's true! Like with all other subjects, homeschooled kids can easily succeed in math whether their parents are good at it or not.
Though an aptitude for math isn't exactly hereditary, an apprehension about math can be passed down from parents to children. Since math anxiety CAN be transferred from teachers to students, and from parents to children, homeschool moms and dads would be wise to to hide math insecurities from their kids if they can. I know that's easier said than done, but exuding a positive attitude about math should remain a constant goal.
Another tip is to raise kids to view math like any other subject. The worst thing is to single math out as something different, something hard, or something requiring a lot of extra help and attention from non-math-hating people. Saying things like, "Lots of people stink at math" or, "Most people never need math anyway" will only make things worse, as statements like those do nothing to encourage or anchor positive math thoughts into kids' minds.
Negative math thoughts plant only doubt — causing some kids to give up before even giving math a try.
Avoiding anti-math thoughts is so crucially important, in fact, that kids who are taught that enjoying math is a matter of choice and preference, and that only those with exceptional abilities can succeed, it is often too late to ever develop a math-confident attitude.
Homeschooled kids — particularly those who have never experienced math-phobic teachers and students in traditional classrooms – have a great advantage in this area. They've been less exposed, and therefore less influenced, by the way others think about math. And so long as parents and others refrain from making anti-math comments, kids are more likely to succeed.
Finally, especially when teaching math, consider how the child learns best. Thinking about the child's personality and his/her learning preferences is very important with math, since the fit between math instruction and the student can literally make or break the first few math experiences. Unpleasant math experiences can be overcome, but best to avoid them in the first place. Starting out with the right-fit curriculum or materials saves a great deal of time and frustration trying to turn negative experiences around.
Insuring initial wins in math successfully sets the tone for more positive math lessons to come.
With all of that said, choosing a mathematics curriculum for homeschooling isn't always an either task, either. I offer the following advice for selecting math products for homeschool:
1. Begin shopping early, ideally 2-3 months before homeschool begins. This time frame provides ample time to research all of the possibilities, and also allows time for returns and exchanges if products are not what was expected.
2. Ask homeschooling friends what they use for each child and why — the "why" being the most important part. Hearing from other parents why they like or dislike products can help identify things you may not have thought of on your own. Listening to their stories can also help identify the kinds of products that work well for different kinds of children.
3. For younger children: Figure out exactly how to use math books and other resources before showing them to your student. Displaying and understanding of the course and confidence about the system can be the key to gaining your child's trust and cooperation and, ultimately, his success in using it. For older children: Let previous experiences with math to be your guide, but consider allowing older students to help select their own math resources or help you figure out how to use them for homeschooling.
4. Never let popularity of a product's indisputable reputation keep you from choosing something else. If, while flipping through a math book or reading aloud some instructions to your child, your gut tells you something isn't right, you're probably correct. With mathematics, though perseverance and hard work are very important to understanding materials, muddying the waters by using a book that makes no sense to you or to your student will only make matters worse. No matter how early in the year or how much money you have paid for a textbook, DVD series, or an on-line course, re-evaluating your needs and changing materials is the only right thing to do.
For a list of some of the most popular math programs used by homeschoolers, check HERE. The more care you take in choosing what you use, the better off your student will start out in math overall. And a better start in math will insure a better finish every time!


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Paul Walker's mother marked the fifth anniversary of her son's car crash death on Friday by recalling her last chat with the actor.
The Fast & Furious star and his daughter Meadow visited his mum the morning before his death in a fiery road accident and talked to her about the family's Christmas plans.
"We were having this good conversation, and he'd forgotten about an event he had," Cheryl Walker tells People. "He got a text and said, 'Oh my gosh, I'm supposed to be somewhere!'"
He then left to attend a charity car show for Reach Out Worldwide, where he would step into a Porsche driven by his pal Roger Rodas and race off to his death minutes later.
"I think so many people think, 'Oh, he was just a movie star who was killed in a car accident,' but there was so much more to him," Cheryl adds. "That was just a piece of who he was. He was an amazing man."
"I've gotten letters from people all over the world who said he made a difference in their lives. That is such a blessing. He's never forgotten."
Both Walker and Rodas were killed when the driver lost control of the sports car and rammed it into a light post. The vehicle burst into flames upon impact.
The actor's Fast & Furious castmate Tyrese Gibson also paid tribute to his late friend on the fifth anniversary of his death, posting a series of videos and pictures on Instagram.
"5 years ago today we all woke up to a nightmare," Gibson wrote. "Believe me it's still very real for all of us that knew him and loved him personally."
View this post on Instagram
5 years ago today we all woke up to a nightmare……. Believe me it's still very real for all of us that knew him and loved him personally….. Something that would make you smile today…. His I am Paul Walker Documentary was just released today on itunes…… Please keep praying for the WALKER family especially his daughter @meadowwalker who's one of the strongest most resilient angels out there!!
Gibson also urged those grieving Walker's death to check out the new I Am Paul Walker documentary on iTunes, while also taking a moment to salute the actor's daughter: "Please keep praying for the WALKER family especially his daughter @meadowwalker who's one of the strongest most resilient angels out there!!" he added.


text: Clerk of the Court Attorney Resources Contact Information Court Ordered Financial Obligation Court Calendar Courtroom Rules Court Records Divorces FAQs Fee Schedule Forms Formas – Spanish TurboCourt Family Law Dissolution Application Orders of Protection High Profile Cases Jury Duty Jury Trial Status Marriage Licenses Notary Public Online Jury Questionnaire Other Informational Links Probate Website and Forms Clerk of the Apache County Superior Court Annell Hounshell THE OFFICE OF THE CLERK: The Clerk of the Superior Court is the record keeper for the Court, as well as the collector of all fees, fines, bonds, and restitution. The Clerk's Office is the first stop in initiating any Superior Court action in Child Support, Civil (Passport, Marriage License, Protection Order, Divorce/Dissolution, Legal Records), Criminal (Appeals), Probate (Guardianship and Conservatorship), Mental Health, Tax or Domestic Relations Matters (Conciliation and Mediation, Paternity/Maternity). The Superior Court also oversees Juvenile Court filings such as Adoption, Dependency, Severance, and Delinquency Actions. The Court Clerk is one of the oldest of public servant offices. The office can be traced back before Biblical times. The title is derived from the Middle Ages when a "clerk" was a member of a religious order. Since, for all practical purposes, the scholarship of the Middle Ages was limited to the clergy, the name "Clerk" came to be synonymous with "Scholar". In 1272 AD the Office of the Clerk appears contained with the Corporation of Old London. The Apache County Superior Court does not currently accept fax filings of Court Documents. Please submit case related documents by mail or in person at the Courthouse. Parent Information Program – English NOTICE TO ATTEND PARENTING CLASS – English ARIZONA PARENT EDUCATION COURSE EVALUATION – English ARIZONA PARENT EDUCATION QUIZ – English Parent Information Program – Spanish NOTICE TO ATTEND PARENTING CLASS – Spanish ARIZONA PARENT EDUCATION COURSE EVALUATION – Spanish ARIZONA PARENT EDUCATION QUIZ – Spanish


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Full-Blown Civil War Erupts On Wall Street – Financial Elite Start Turning On Each Other
By David DeGraw
Finally, after trillions in fraudulent activity, trillions in bailouts, trillions in printed money, billions in political bribing and billions in bonuses, the criminal cartel members on Wall Street are beginning to get what they deserve. As the Eurozone is coming apart at the seams and as the US economy grinds to a halt, the financial elite are starting to turn on each other. The lawsuits are piling up fast. Here's an extensive roundup:
Time to put your Big Bank shorts on! Get ready for a run… The chickens are coming home to roost… The Global Banking Cartel's crimes are being exposed left & right… Prepare for Shock & Awe…
Well, well… here's your Shock & Awe:
First up, this shockingly huge $196 billion lawsuit just filed against 17 major banks on behalf of Fannie Mae and Freddie Mac. Bank of America is severely exposed in this lawsuit. As the parent company of Countrywide and Merrill Lynch they are on the hook for $57.4 billion. JP Morgan is next in the line of fire with $33 billion. And many death spiraling European banks are facing billions in losses as well.
FHA Files a $196 Billion Lawsuit Against 17 Banks
The Federal Housing Finance Agency (FHFA), as conservator for Fannie Mae and Freddie Mac (the Enterprises), today filed lawsuits against 17 financial institutions, certain of their officers and various unaffiliated lead underwriters. The suits allege violations of federal securities laws and common law in the sale of residential private-label mortgage-backed securities (PLS) to the Enterprises.
Complaints have been filed against the following lead defendants, in alphabetical order:
The Rest…HERE


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Cartoon Donald Duck's WallpaperApplication includes funny and high resolution images of your famous Disney character Donald Duck.We sure you will love this application. you can share to your friends,set as wallpaper,rate thisapplication as well as refer more application developed by this developer. Use the wallpaper settings to set your own likings and preferences. How To Use: [Home] > [Menu] > [Wallpaper] > [Live Wallpaper] Other Features: * Astounding Transition effects. * Shows High Definition pictures of fine handpicked Leather shelfs. * Collection of best wallpapers and backgrounds images. * Have Option to browse through different images. * Thrilling collection of images. * Ability to change pictures by double tap. * Ability to change pictures on time interval App is supported on different resolution Phones ranging from 2.2(Gingerbread) to 4.0 (ICS) including Tablets. Please leave behind good ratings and comments, if you like the app.In order to give you a free app and keep developing more free apps in the future, we are integrating a search tool to our application.This will add a few access points to your device (hence the permissions) to direct you to the web search service.Please consider using the search to help us keep creating apps.You may delete the search icon, bookmark and homepage easily. Thank you.


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As the beating heart of the Kingdom of Alesia, the Royal Duchy of Xeilias is home to societies, businesses, and guilds that provide for the kingdom. Xeilias is the central hub that fuels the entire realm. Elite combat forces train and serve in Xeilias for the protection of the royals and the kingdom at large. The scale of trade and contracts, served for the betterment of Alesia, draw ambitious entrepreneurs, master craftsmen, and dedicated artisans of all kinds. Official organizations, councils, and institutions are headquartered in the Royal City which is the official capital of the Kingdom of Alesia. For those who seek fame, fortune, or the chance to do something on a royal scale, the Royal Duchy of Xeilias welcomes you.
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What: Jimmy Choo are giving away a gorgeous luxury shoe case with a purchase of any Jimmy Choo 60ml fragrance while stocks last!
When: From now until stocks last.
How: Available in Jimmy Choo department stores nationwide. Just buy that fragrance and you'll be carrying your shoes around in style in no time! AC