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[G.R. No. L-8139. October 24, 1955. ]
BELEN UY TAYAG and JESUS B. TAYAG,
, v. ROSARIO YUSECO, JOAQUIN C. YUSECO and THE COURT OF APPEALS,
Pelaez & Jalandoni, for
Yuseco, Abdon, Yuseco & Narvasa for
1. EJECTMENT; JUDGMENT IN ORDINARY EJECTMENT CASES; COURTS MAY APPLY PROVISIONS OF CIVIL CODE RELATIVE TO BUILDERS IN SPECIAL EJECTMENT CASES. — In ordinary cases where the lease or occupant has not built anything on the premises, the only judgment that may be rendered therein, under Rule 72, section 6, is for the defendant to recover costs in the event that the complaint is not of if finds the complaint to be true to render judgment for the plaintiff for the restitution of the premises, for the payment of reasonable compensation for the use and occupation of the premises, and for costs. however, where the lessee or occupant has constructed a substantial and valuable building on the land, the courts are bound to take cognizance of said fact, and when they find that the construction had been effected in good faith, the courts, instead of dismissing the complaint, may apply the provisions of the Civil Code relative to builders, special where the ownership of the and the building is not disputed.
This is an appeal by
by petitioners Belen Uy Tayag and her husband Jesus B. Tayag from the decision of the Court of Appeals of April 23, 1954, affirming the decision of the Court of First Instance of Manila. The facts in this case as may be gathered from the records and as found by the Court of Appeals may be briefly stated as follows. In and prior to the year 1930 Atty. Joaquin C. Yuseco had been rendering professional services to Maria Lim, owner of lots 11-A and 11-B, block 2251 of the Government Subdivision known as Hacienda de San Lazaro covered by transfer certificates of title Nos. 36400 and 36401 of the Register of Deeds of Manila. To show her appreciation of the service rendered to her Maria offered the two lots to Atty. Yuseco and his wife Rosario Yuseco for them to build on, and accepting the offer, the Yusecos built a house and an annex for servants quarters on the two lots which improvements at present may be reasonably valued at P50,000. Although Atty. Yuseco claims that the two lots were donated to him, he could exhibit no evidence of said donation and the certificates of title already mentioned remained in the name of Maria. There is reason to believe that at least during her lifetime and while she remained owner of the two lots, it was her desire to have the Yusecos occupy the land free. But to go through the formalities and to legalize the possession of the two lots, after the house and the annex were built, there was executed a lease contract to the effect that the lease was to run for a period of five years, with a rental of P120 a year; that the owner of the lots was to pay all land taxes, and that failure to pay the rent when due would be sufficient cause for the recission of the contract. This agreement was noted on the certificates of title.
On November 29, 1945, a few days before her death, Maria sold the two lots to her daughter Belen Uy married to Jesus B. Tayag for and in consideration of the sum of P4,000. The new owners in 1946 asked the Yusecos to remove their houses from the land because Belen and her husband planned to build their own house on the two lots, or else pay a monthly rent of P120. Because of the failure of the Yusecos to comply with the demand, Belen assisted by her husband filed an action of ejectment in the Municipal Court of Manila which later rendered judgment for the plaintiffs and against the defendants "for the restitution of the premises described in the complaint and for the recovery of a monthly rental of P100 from November 30, 1945, up to the date of restitution, and for cost." On appeal by the defendants to the Court of First Instance of Manila, the latter rendered judgment, the dispositive part of which reads as follows:
"Wherefore, judgment is hereby rendered declaring the plaintiff, Belen Uy Tayag, to be entitled to the possession of the two parcels of land described in the complaint upon payment by her to the defendants of the sum of P50,000, which is the value of the two houses they had built thereon; but in the event said plaintiff shall not be in a position to pay said amount within 90 days from the date this decision shall become final, the defendants are hereby declared to be entitled to purchase the two parcels of land in question for the sum of P10,000, within 90 days from the date the defendants shall have the right to remain in the possession of the plaintiff shall have failed to buy the house. In the meantime, the two parcels of land without any obligation thereof. No pronouncement is hereby made as to costs."
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On appeal by the plaintiffs to the Court of Appeals said court found that the Yusecos were builders in good faith under article 448 of the new Civil Code; and that as such builders in good faith, they cannot be required to remove their house and the annex unless they were paid the value thereof. The Court of Appeals further approved P50,000 and P10,000 as the reasonable values of the house and the two lots, respectively, as found by the Court of First Instance and that the Yusecos as builders in good faith will begin to pay rent only when the plaintiffs as owners of the land are unable or unwilling to buy the houses or the builders are unable or choose not to exercise their right to purchase the land, but in the present case, neither party has expressed his willingness or inability to exercise the right corresponding to him under article 448 of the new Civil Code, hence the payment of rent is not in order. The Court of Appeals affirmed the decision of the Court of First Instance.
Appellants Belen and her husband Jesus Tayag filed the present petition for review of the decision of the Court of Appeals, and in their brief assign the following errors:
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The Court of Appeals committed a grave error of law when it decided an issue foreign to that raised in an ejectment case, for in so doing it acted without jurisdiction over the subject matter.
Granting, arguendo, that there was jurisdiction to determine an issue other than that raised in an ejectment case, the Court of Appeals committed a grave error of law in holding that the rights of Belen Uy Tayag and Jesus B. Tayag, owners of the land, and those of Rosario Yuseco and Joaquin C. Yuseco, owner of the building, should be resolved in accordance with the provisions of Article 448 (formerly Article 361) of the Civil Code of the Philippines.
Granting, further, for the sake of argument only, that Article 448 of the Civil Code of the Philippines should govern the rights of the parties herein, the Court of Appeals gravely abused its discretion and committed a serious error of law when it affirmed the judgment of the trial court which, in effect, compels the owner of the land to sell it to the owner of the building.
The Court of Appeals gravely erred in holding that the petitioners Belen Uy Tayag and Jesus B. Tayag shall be entitled to the possession of the land described in the complaint upon payment of the sum of P50,000 but in the event that they are not in a position to pay said amount within 90 days from the date the decision shall have become final, the respondents Rosario Yuseco and Joaquin C. Yuseco shall be entitled to purchase the land in question for the sum of P10,000.
Petitioners claim that the Court of First Instance and the Court of Appeals lacked jurisdiction to decide the case as they did for the reason that the only issue involved in an ejectment case is actual possession and that under Rule 72, section 6, the only judgment that may be rendered in such a case is for the defendant to recover costs in the event that the court find that the complaint is not true, or if it finds the complaint to be true to render judgment for the plaintiff for the restitution of the premises, for the sum justly due as arrears of rent or as reasonable compensation for the use and occupation of the premises, and for costs. But according to petitioners, in spite of this legal provision both courts went further and applied the provision of article 448 of the new Civil Code.
In theory, and speaking of ordinary ejectment cases, petitioners may be right; that is to say, if the lessee or occupant has not built anything on the premises, payment of rent would be a valid and satisfactory solution of the problem; but where the occupant has built on the land, especially where said building is substantial and valuable, the courts even in ejectment cases are bound to take cognizance of said fact and when they find that the construction or planting had been effected in good faith, instead of dismissing the complaint and suggesting to the parties to observe and follow the provisions of article 361 or article 448 of the old and the new Civil Code of the Philippines, respectively, and if they cannot agree, to file a new action, not only to enforce or defend the respective rights of the parties but to assess the value of the land and of the improvement as well, the courts in order to avoid multiplicity of actions and to administer practical and speedy justice may, as was done in this case, apply the provisions of the Civil Code relative to builders specially since there is no question as to the ownership of the land as shown by the certificates of title, and the ownership of the buildings.
Petitioners insist that the relation between them and the respondents is that of lessor and lessee and in support of their contention they point to the contract of lease between Maria Lim and the Yusecos executed in 1930. As already stated, the Court of Appeals found respondents to be builders in good faith and that finding is conclusive. In connection with said finding, we are of the opinion that the Yusecos in the mistaken belief that the two lots were being given to them free constructed the improvements in question, and that as already stated, the execution and registration of the contract of lease was a mere formality to legalize the occupation of the lots. Despite the belief of the Yusecos about the lots being donated to them, there is every reason to believe that what Maria Lim intended was to keep the title to the land but allow the Yusecos to occupy the same free, at least as long as she kept said title. This arrangement would appear to have been known to Belen, Maria's daughter, when the two lots were transferred to her a few days before Maria died, because as observed by the Court of Appeals although the Yusecos had paid no rent since the year 1930 when they constructed the two buildings, Belen in 1946, one year after the land was transferred to her, demanded rents not for the period of 15 or 16 years but only from 1946. This action of hers neither supports nor strengthens her theory that the Yusecos since 1930 were mere lessees and continued to be such after Belen acquired the lots in question.
It will be remembered that the construction in good faith was effected in 1930 and that good faith of the builders may be considered as ended in 1946 when the demand for rent was made. It is, therefore, clear that Art. 361 of the old Civil Code instead of article 448 of the new Civil Code is applicable for the reason that the new Civil Code did not go into effect until 1950. Article 361 of the old Civil Code reads as follows:
"Art. 361. The owner of land on which anything has been built, sown, or planted, in good faith, shall be entitled to appropriate the thing so built, sown or planted, upon paying the compensation mentioned in Article 453 and 454, or to compel the person who has built or planted to pay him the value of the land, and the person who sowed thereon to pay the proper rent therefor."
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The above-quoted legal provision is clear and it is now up to the parties, particularly the petitioners to act and make their choice. Since the Court of Appeals has found that neither party has expressed its desire or willingness to do the thing or things which by law they are authorized or compelled to perform, the courts cannot disturb their present status and naturally, payment of rent by respondent for the present, is not in order.
Petitioners question the correctness of the amount of P50,000 fixed by the trial court and approved by the Court of Appeals, as the value of the improvements, claiming that under article 546 of the new Civil Code (taken from article 453 of the old Civil Code) they (petitioners) as owners of the land have the option of either refunding the amount spent for the construction of the two buildings, said to be only P18,000 or "paying him the increase in value which the thing has acquired by reason thereof." The contention of petitioners is well taken.
Affirming the decision of the Court of Appeals in so far as it finds and declares respondents to be possessors in good faith, let this case be remanded to the trial court for further proceedings, particularly to give an opportunity to plaintiffs-petitioners to exercise their choice and option; and for purposes of said choice and option the trial court will admit evidence and make a finding as to the amount of the useful expenditures or "the increase in value which the thing has acquired by reason thereof", under article 453 of the old Civil Code, to be refunded or paid by the petitioners should they choose to appropriate the buildings; "the value of the land" under article 361 of the same Code, to be paid by the defendants-respondents in case plaintiffs-petitioners elect to compel them to buy the land. No costs.
, Bengzon, Padilla, Reyes, A., Jugo, Bautista Angelo, Labrador, Concepcion and Reyes, J.B.L.,
, concur.
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The state government's online Centralised Admission Process (CAP), introduced a decade ago to streamline admissions into class XI/first year junior colleges (FYJCs) aka Plus Two, ended in chaos and confusion after a Nagpur bench of the Bombay high court stayed the allocation of religious and linguistic minority quota seats to the merit quota. The court ordered all religious and linguistic minority education institutions in the state to keep their minority and management quota admissions open until the state government's centralised online admission process is completed. Minority institutions will subsequently surrender their vacant quota seats to the state's education ministry which will conduct additional merit-based counselling for admission into class XI.
While the judgement covered all minority institutions in the state, Mumbai, which has 230,000 students — the highest in the state — registering for class XI admissions through CAP besides hosting the largest number of minority colleges (512) statewide, faced maximum impact. Even as 58,000 minority quota seats remained unfilled, 81,063 general category students were still to secure first choice admissions until August 7, when the fourth and final CAP list was published. The delay resulted in the extension of the admission process from end July to the first week of September and derailment of the academic calendars of 812 junior colleges in Mumbai.
The background of this controversy is the St. Stephen's College vs. University of Delhi (1992) case in which the Supreme Court ruled that minority-promoted colleges, even if recipients of aid from the Central or state government, are entitled to reserve up to 50 percent of seats for students of the promoters' religious and/or linguistic community. This judgement was upheld by the apex court in its landmark judgement in T.M.A. Pai Foundation vs. Union of India (2002) which permitted all colleges of professional education to devise their own fair and merit-based admission systems and levy reasonable tuition fees, but banned capitation fees. In conformity with the ratio decidendi in these Supreme Court judgements, the Maharashtra government (government resolution dated July 20, 2006) has been permitting minority institutions to also reserve up to 50 percent of seats for students of the promoter-minority community.
However, objecting to minority institutions surrendering their vacant minority quota seats even before the first round of CAP counseling, the Stree Shikshan Prasarak Mandal, a non-minority junior college, filed a writ petition. The petitioner contended that surrender of seats by minority colleges enlarged CAP and permitted a larger number of merit students to apply to minority FYJC colleges to the disadvantage of non-minority junior colleges. Justices Bhushan Dharmadhikari and Zaka Haq converted the writ into a public interest litigation (PIL) issue remarking, "it is apparent that the high status minority FYJCs enjoy is being compromised in the process to the prejudice of non-minority institutes".
"Unlike non-minority colleges, colleges with minority status enjoy several exemptions. For instance, they are not obliged to reserve seats for students of the SC, ST and OBC categories. Yet, rather than admit students with very low class X board exam scores from their own community which would adversely affect their academic reputation, minority colleges often surrender a substantial percentage of their minority quota seats to CAP. Therefore, non-minority colleges are made to bear the brunt of the concessions enjoyed by minority colleges as they are obliged to reserve 49.5 percent capacity for SC, ST and OBC students, besides admitting lowest score CAP students. Hence their protest against minority FYJCs closing their minority admissions prematurely," says a lawyer briefed on behalf of non-minority FYJCs.
With unfilled minority quota seats added back to CAP after four rounds, the education ministry held special counseling sessions offering preferred merit quota seats on a first-come-first served basis. Simultaneously, the ministry permitted FYJCs, which had completed 70 percent of their admissions, to begin classes.
"The derailment of the academic calendar due to the admissions mess will result in postponement of exams which otherwise would have been held in the first week of September," says a spokesperson of a minority-run FYJC.
Earlier this year, undergraduate college admissions were also delayed after the state government proposed to re-introduce reservations for SC, ST and OBC students in minority-run arts, science and commerce colleges.
Admissions commenced only after the Supreme Court dismissed the state government's special leave petition.
In the cause of enabling minority students through complex quota rules and regulations, Parliament, the courts and government have combined to create a huge mess in higher education which repeatedly disrupts academic calendars and devalues India's higher education system.
Dipta Joshi (Mumbai)

subset: commoncrawl


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ASUS GeForce GTX 780 Ti DirectCU II OC review -
Admittedly I like the DirectCU products from ASUS, they almost always offer a nice balance inbetween low noise and cooling levels. That and the cards just look great. The performance that the ASUS GeForce GTX 780 Ti DCUII OC is able to deliver is very good, the DirectCU II cooler that is very silent and keeps this GPU chilled down at a cool roughly a 70 Degrees C temperature. ASUS factory clocked this product at 956 MHz on the baseclock, 1020 Mhz on the boost clock. The end result is a graphics card that can be compared with the GeForce GTX Titan, for less money of course.
This DirectCU II OC edition graphics card comes with the latest revision of the DirectCU cooler and is roughly 10 degrees Celsius cooler/lower opposed to the reference cooler whist remaining silent. This revision is a dual-slot solution with two distinct fans, which I think just looks great. The PCB is customized and I can only spot quality components ensuring a longer lifespan of this product, lovely. The looks, well the cooler in its all black design, the two subtle and silent fans combined with a hint of red or yellow at your choice, ASUS includes the stickers that you can apply yourself. The card is also very sturdy. There is a metal plate at the top of the card so the card cannot bend when seated horizontally in the PC, also present is a full cover back-plate.
Cooling & Noise Levels
The NVIDIA reference coolers do their job well, but they follow the temperature target of 80 Degrees C. With the DirectCU II cooling technology the GPU will get roughly 400W~450 of cooling power thrown at it. As a result the temperature target might remain at almost 70 Degrees C as reported back by the thermal sensor. I do want to make a side note though, our thermal imaging results (measured at the backside of the PCB at the GPU location) indicate higher GPU temperatures running towards 76 Degrees C. Also the VRM area gets incredibly hot at almost 100 Degrees C. I cannot explain the discrepancy in-between the software monitoring sensor and the thermal imaging results, I however do know that the Thermal imaging results are up-to a few tenth of a degree precise on our calibrated thermal camera.
Power Consumption
The card is rated having a 250 Watt TDP, we measure that to be a little higher though, roughly 260 to 265 Watts (under full stress). But at this performance level, that is absolutely okay. That 250 Watt TDP also will make running multi-GPU solutions a bit easier. With two cards we think an 800 Watt PSU would be sufficient. So while it's not great to have a GPU sucking up 250 Watt it could have been a lot worse, really. If you look at the dual-GPU based ARES II for example, that card alone draws 500 Watt / 250 Watt per GPU. So, perspective is the word I like you to keep in mind.
Game Performance
The GeForce GTX 780 Ti in most scenarios will be 5 to 10% faster than the GTX Titan, comparing towards GTX 680 it seems 40% faster. Drivers wise we can't complain at all, we did not stumble into any issues. And with a single GPU there's no micro-stuttering (if that ever bothered you) and no multi-GPU driver issues to fight off. Performance wise, really there's not one game that won't run seriously good at the very best image quality settings. You should game with a nice 30" monitor of course, at 2560x1440/1600. I mean Battlefield 4 at Ultra quality is still oozing out 65+ FPS there. Or what about Hitman Absolution with 65+ FPS at 2560x1440 High quality and 2xMSAA? At these resolutions the GeForce GTX 780 Ti offers just a phenomenal gaming experience with image quality that you can only see on a PC.
The card is already clocked for you at and boosting to 1020 MHz. This GPU can take 1150 MHz fairly easily really, and at that stage you added another 10% performance already. Our tweak made the GPU boosting at roughly 1200 MHz (depending on temperature, power draw and load). This was the absolute max though as passing that frequency easily would get us into crashing problems. This result is fairly similar on all GTX 780 Ti cards, mind you that we did not voltage tweak. That way this 2880 Shader processor card at a boost frequency of 1200+ MHz this way only consumes 10~15 Watts more, which is pretty nice.
ASUS has a lovely graphics card at hand with the ASUS GeForce GTX 780 Ti DCUII OC. It remains fairly silent and has great looks. Cooling we see 70 Degrees C on the thermal probe and 75 Degrees C with thermal imaging. These are okay temperatures. The VRM area is getting hot though, and therein lays a concern as I find 100 Degrees C on the VRM area just too high by any standard. 70 to 80 degrees C is what that should be and I'll even take 90 degrees as 'acceptable'. Now the VRM area can take it, as these temperatures fall with normal operating temperatures, but it's not going to help you with with overclocking though. Overall the ASUS GeForce GTX 780 Ti DCUII OC is a robust build with good components quality, it's darn fast in performance as it even can pass the mighty GeForce GTX Titan at less money. Fluid like gameplay is what you get back in return whilst you enable the most intensive image quality settings. And isn't that what it is all about with PC gaming ? We can recommend the ASUS GeForce GTX 780 Ti DCUII OC but we would not tweak with it too much. The extremely hot VRM area keeps bothering me though, regardless, the card is a serious contender against AMDs R9 line-up.
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text: The play Cuckoo is about love turned dangerous, something which should be beautiful and comforting, which becomes bitter and violent. A story of jealousy, dependency and a reflection on the poisonous nature of insecurity. Two men, long-term lovers, live in a deteriorating, lonely relationship in the middle of the 1960s, just as homosexuality is decriminalised. They respond to this freedom differently. Ken clings to the past and his lover, but Joe rides the wave of the times. The two men are trapped half-loving and half-hating each other. Joe is frivolous, Ken is ominous. The power shifts between them all the time, one has the power of the heart-breaker, the other has the power of the abuser. The play focuses on the rising tension between the two men, and the mental health of Ken as his obsession with his lover grows.


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Gastroesophageal reflux disease (GERD), commonly known as acid reflux, is a way of describing heartburn medically. It is very common problem, currently affecting 50 percent of Americans. Heartburn is a sign that you have eaten something that yourRead More
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A British study has shown that by changing your diet you can fight tooth decay and cavities. There were 62 participants (children) with cavities in this study. They were separated into 3 groups, each one with a different diet. Group 1 had a normalRead More
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text:
David Breckman — Writer
Episodes 14
Monk is committed to an asylum, where he becomes convinced the chief psychiatrist committed a murder several years prior.Read More
Renowned philanthropist Henry Rutherford is killed when a minor earthquake rocks the city and sends a display case falling on top of him. But when Monk examines the scene, he finds clues that suggest foul play.Read More
When English teacher Beth Landow falls from the clock tower at Trudy's former high school, the assistant principal doubts the police department's conclusion that the death was a suicide and invites Monk to investigate. Monk quickly concludes that the suicide note is a forgery: a highly respected English teacher wouldn't confuse ""its"" with ""it's."" A few words with the teachers in the lounge lead him to suspect that the murderer is a science teacher, Derek Philby. Unfortunately for Monk, Philby was proctoring an SAT exam when Ms. Landow's body landed on Philby's car, setting off his car alarm and alerting the entire school to her death. Armed with a strong suspicion but no evidence, Monk becomes a substitute teacher in hopes of finding the information that will incriminate Philby, who arrogantly informs him that he's ""failing the class""--he has no evidence to support his hypothesis. Faced with students who throw erasers at him, an irate father who is also the school's gym teacher threatRead More
When Monk's paperboy is murdered on his doorstep by a guy looking to steal his newspapers, Monk turns to the pages of the newspaper for clues to solve the baffling crime.Read More
After a phone call from Lt. Disher, Monk and Sharona find him in Captain Stottlemeyer's office, drinking Scotch to console himself because his 58-year-old mother has married a 37-year-old antique dealer he's sure is up to no good. The con man, Dalton Padron, has taken his aging bride to a marriage counseling clinic for their honeymoon, and Sharona persuades Monk that the best way to catch him is to pose as husband and wife and join him at the clinic. In a group therapy session, Sharona accuses Padron of winking at her and, in the scuffle that follows, snatches an old letter from his jacket pocket. The letter confirms their suspicions: Padron is after the gold that was stashed away 150 years earlier by the crazy old prospector who once owned the house. Padron later grabs the letter and burns it, but not before Monk and Sharona discover that the secret is somewhere in the hundreds of journals that the old man wrote before he died. Early the next morning, Sharona follows Padron into an olRead More
In yet another case of murder in a room locked from the inside, a music producer is found dead with bullets in his back, head. and chest, clearly neither an accident nor a suicide. But this time there's a further twist: the dead man's pet chimpanzee, Darwin, is caught with the murder weapon in his hand. Not wanting to make a monkey of himself by falsely accusing a chimpanzee of murder, Stottlemeyer takes the chimp into the interrogation room, tempting the animal to fire what he thinks is an empty gun. Meanwhile, Disher realizes that he's inadvertently given the captain a loaded gun and panic ensues. When the gun goes off, endangering not only Stottlemeyer but Disher, Monk, and Sharona as well, Stottlemeyer is persuaded that the chimp is guilty and is ready to allow animal control to put him to sleep. Sharona, however, is convinced that Darwin is innocent. In desperation, Sharona resorts to breaking and entering to rescue Darwin, persuading the most unlikely person imaginable to take hiRead More
Is Monk hallucinating or is he really seeing Trudy?Read More
When an officer dies after drinking poisoned wine sent to Captain Stottlemeyer as a Christmas gift, the captain suspects Frank Prager, who tried to shoot him outside a bar several months earlier. Searching the crime scene for clues, Monk notes that the bullet holes seem to form a pattern, but neither he nor Stottlemeyer can figure out the message they're intended to convey. After trying unsuccessfully to talk with Prager's young daughter, Monk goes under cover as Santa Claus. This time he learns that Prager is hiding in a church with ""three ladies"" in front of it. But when Prager is caught and interrogated, it's clear that he had nothing to do with the poisoned wine. With the other suspects on Disher's list also eliminated, Monk and the captain are back to square one. But when Monk opens the card accompanying his gift from the Christmas party, he finds the clue that solves the case.Read More
When Captain Stottlemeyer suspects that a suicide is really a murder, Monk confirms his suspicions by discovering that the victim, Joanne Raphelson, was too short to have used the stool she supposedly stood on to hang herself. But the next clue, the remains of an olive, a cherry, and a cocktail onion on a stirring stick, leads Monk to suspect that the murder was committed by an astronaut, Steve Wagner. A little research reveals a motive--Joanne was about to publish a book revealing that Wagner had abused her five years earlier. Now all Monk has to do is to prove that Wagner could commit the murder when he was in outer space.Read More
During the investigation of an armored car heist involving the deaths of two drivers and the theft of valuable government bonds, Lt. Disher tries to convince Captain Stottlemeyer that he witnessed a murder while under anesthesia in the dentist's office. When one of the highjackers, Denny Jardeen, is found murdered, Disher insists that Jardeen is the man he saw Dr. Bloom and his assistant kill while he was sedated. Stottlemeyer still thinks that Disher was hallucinating, and Disher angrily leaves the force, deciding to revive his high school rock band, the Randy Disher Project, as an alternate means of earning his living. Meanwhile, the only clue to Jardeen's murder is two pairs of bruises each ten inches apart on the dead man's chest.Read More
When Lt. Disher inherits a farm from an uncle who committed suicide, he decides to quit the police force and start a new life in the country. But Disher soon suspects that his uncle was murdered, so Monk joins him on the farm to investigate.Read More
Mr. Monk takes a walk when he can't sleep, but ends up running into a murder.Read More
When Monk's delinquent half-brother, Jack Jr., escapes from prison and breaks into Monk's apartment, he manipulates Monk into helping him find the person he claims framed him for murder.Read More
Monk meets a visiting African widower who's determined to find the hit-and-run-driver who killed his wife near Monk's apartment. Monk begins to identify with the man and confuses his wife with Trudy.Read More


text:
Searching for a Mate: Shifter Bonds & Magical Healing
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The Manor - Season 01 Episode 11 (1.11)
When the rest of The Manor wake to find Josh gone, it is bad, but it is worse when the whole werewolf pack feel someone attack their bond with him. Pippa reacts terribly, nothing like her usual practical self, but that reaction may give them hope.
With the pack bond occluded so it cannot be used to help trace where Josh has been taken, even with Lucy's considerable magical skill, it is his connection to Pippa that offers an alternative. Lucy and Pippa must work together to find Josh and launch a rescue against the enemy werewolf pack.
The Manor is a series of novelettes, divided into seasons, each book a new episode in the exciting and delightfully naughty lives of Lucy and her companions.
Don't forget to check out the podcast Virginia's Sexy Stories at your favourite podcast site, to hear the author read naughty extracts of the books in the series.
More Books by Virginia WaytesSee All
A Lamb in Wolf's Clothing: Testing of a Werewolf
Machinations: Werewolves, Magic & Mates
Balance of Power: Magical Connections
Tricks and Torment: Dark Bonds & Werewolves
Daddy Issues: Vampire Wisdom & the Comfort of Friends
The Power of Sex: Revelations of the Succubus


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State Lawmakers Call A Hearing After CBS4 Report On Free DUI TestsThe Colorado Bureau of Investigation - which is doing the free testing - admits it doesn't have the money or manpower to take on up to 8,000 more cases a year.
Taxpayers May Have To Cover Millions Of Dollars In Drug & DUI TestsThe state could be stuck covering millions of dollars in DUI and drug tests after the Colorado Bureau of Investigations announced it would do the tests for free.
Police: Boulder Drugging Investigation Dropped After Botched Blood TestsBlood samples taken from the alleged victims coagulated before testing, the Boulder Police Department confirmed.
CBI Lab Mistakes Impact Drunk Driving CasesPoorly written instructions are being blamed for botched blood alcohol tests conducted by a scientist at the Colorado Bureau of Investigation.


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- Phone: 800-773-0942
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text: AMMONNEWS - His Majesty King Abdullah on Wednesday delivered an address to the European Parliament in Strasbourg, France, covering a number of regional and international concerns.Addressing parliamentary representatives of the European Union's member states, King Abdullah stressed the importance of leadership, noting that leaders have a responsibility to safeguard their people's long-term interests and welfare.His Majesty highlighted developments in the region and the world over the past decade."The defining feature of the past decade has been people finding their voices. Millions across the world have poured into the streets, marched, occupied, sat down, sat in, tweeted, podcast, hashtagged what they want loud and clear," the King said.Posing a number of hypothetical "what-if" questions to enable a better assessment of how to overcome obstacles in the region and around the world, His Majesty warned of the consequences of failure to create the prospects and job opportunities that young Arabs need."Can we afford to let the region's young people live without hope?" the King asked.His Majesty also underscored the need to ensure regional stability. "A more peaceful world is not possible without a stable Middle East. And a stable Middle East is not possible without peace between the Palestinians and the Israelis," the King said.His Majesty warned that over 70 years of the Palestinian-Israeli conflict have played havoc with hopes for justice."What if Jerusalem, a city that is close to my heart personally and of great historic significance to my family, remains disputed?" the King asked.His Majesty also called for maintaining stability in Iraq, saying, "I, for one, will not abandon our brothers and sisters there.""Let this reflection upon 'what-if' scenarios be a productive exercise, one that can pre-empt countless tragedies and safeguard our people along their journey," the King said.Stressing that leadership demands reflection, wisdom, and the long view, His Majesty said, "There is always a better and much more united version of us around every corner.""My father, the late King Hussein, taught me that peace making is always the harder but the higher path," the King added, calling for working with Europe to "reach the future that both our peoples aspire for, and that they and our whole world deserve."Speaking after His Majesty's speech, European Parliament President David Maria Sassoli described the King as a friend and partner for the European Union and the European Parliament.Sassoli thanked His Majesty for his patient approach towards peace through dialogue, and highlighted the need to work together in the days ahead, citing the recent developments at the start of the year.Foreign Minister Ayman Safadi, Adviser to His Majesty for Communication and Coordination Bisher Khasawneh, and Jordan's Ambassador to Belgium and the EU Yousef Bataineh attended the speech.Following is the full text of the King's address to the European Parliament:"In the name of God, the Compassionate, the Merciful,Mr President,Honourable Members,Your Excellencies,My friends:Thank you all. It is an honour to speak before the European Parliament once again.As I look around this historic Chamber, I see it holds many hundreds of people. But in truth, there are with us today millions more, from different countries, histories, and perspectives.So we, who are gathered here, have two things in common. First, is our responsibility to these millions the people who have entrusted us with their hopes and fears.And second, we are all very fortunate for a life spent in the service of others, is a life fully lived. But only if we live up to the expectations of the millions of people with us in this hall today.If we falter, the most vulnerable pay the highest price the young men and women who look to their future and see nothing; bewildered refugee mothers, clutching their children, with no place to call home; or anxious fathers who cannot find jobs to provide for their loved ones; and the many who feel sidelined, their identity under threat.The defining feature of the past decade has been people finding their voices. Millions across the world have poured onto the streets, marched, occupied, sat down, sat in, tweeted, podcast, hashtagged what they want loud and clear.And they all want the same thing a fair chance, a fighting chance.Dear friends,People around the world have voiced their desired destination, but are looking to us to guide them along the path; looking to us to foresee and prepare for the obstacles ahead.This calls for several "what-if" questions.And these questions are not merely a whimsical or theoretical exercise, especially in my region, where worst-case scenarios do not lay comfortably within the realm of the hypothetical, but often wander too closely to the borders of our reality. Furthermore, what happens in the Middle East has a way of making itself felt everywhere around the world.So, let me start with our region's deepest wound. What if the world gives up on the two-state solution of the Palestinian-Israeli conflict?Seventy-plus years of conflict have played havoc with hopes for justice. Today, one-staters are actively seeking to impose an unthinkable solution on the region and the world one state, propped up by structural inequalities, with Palestinians as second-class subjects; one state, turning its back on its neighbourhood, perpetuating divisions among peoples and faiths worldwide.Five years ago, I stood in this Chamber and spoke of the dangers of failing to move forward with peace. And today, I must say frankly that the dangers have grown violence continues; settlement-building continues; disregard for international law continues.I have said it countless times, and in countless ways, but I will say it again and again. A more peaceful world is not possible without a stable Middle East. And a stable Middle East is not possible without peace between the Palestinians and the Israelis.What if Jerusalem, a city that is close to my heart personally and of great historic significance to my family, remains disputed? Can we afford to rob Christians and Muslims alike of the spirituality, peace, and coexistence that this city symbolises, and instead allow it to descend into political conflict?Now, fast forward to the most recent standoff between the United States and Iran. What if, next time, neither side steps away from the brink, dragging us all towards untold chaos? An all-out war jeopardises the stability of the entire region. What's more, it risks massive disruptions of the entire global economy, including markets, but threatens a resurgence of terrorism across the world.And I ask you another "what-if"; what if Iraq fails to realise the potential and aspirations of its people and slips back into an erratic, seventeen-year cycle of recovery and relapse, or worse yet, conflict?Iraq is home to 12 per cent of the world's proven oil reserves. But, more importantly, it is home to over 40 million people, who have suffered through four decades of war, crippling sanctions, occupation, sectarian conflict, and the terror of ISIS. Today, their future rests on a fragile peace. And I, for one, will not abandon our brothers and sisters there.Now, what if Syria remains hostage to global rivalries and spirals back into civil conflict? What if we see a re-emergence of ISIS, and Syria becomes a staging ground for attacks against the rest of the world?Syria may be out of the headlines, with its suffering out of sight and out of mind, but the crisis is far from over. Over the past nine months, more than half a million people have been displaced, many of them already refugees.Do any of us, in this hall, want to see another Syrian refugee crisis unfold, with all its horror and heartbreak? Or another innocent child washed up on your shores?I know I speak for everyone when I say, absolutely not.And let me ask you, what if Libya collapses into an all-out war, and ultimately, a failed state? What if Libya is the new Syria, just much closer to the continent you all call home?And let me say again, what if Arab governments fail to create the more than 60-million jobs our youth will need in the coming decade? And if we fail, wouldn't we in fact be creating a perfect setting for extremist groups? We make their job of recruitment easier if we leave behind a trail of vulnerability and hopelessness.Can we afford to let the region's young people live without hope?My friends,Let this reflection upon "what-if" scenarios be a productive exercise, one that can pre-empt countless tragedies and safeguard our people along their journey.My faith in God reinforces my optimism and my belief in the strength and resilience of humanity. There is always a better and much more united version of us around every corner.The Holy Quran teaches us that "Those who endure [in patience] and put their trust in their Lord" will enjoy the greatest rewards.Patience is hard in a world that never seems to slow down, where people make split-second decisions and expect instantaneous results.Leadership, however, demands the very opposite reflection, wisdom, and the long view. More than ever, we need patient politics. Because we all have a responsibility to safeguard our people's long-term interests and welfare; to react to rapidly unfolding events with measured responses, not knee-jerk reactions; because politics is not a game where the fastest win. Sometimes, the faster we go, the farther away we end up from the finish line.My father, the late King Hussein, taught me that peace making is always the harder but the higher path. And a tough road is best walked with our friends, friends like you and the people of Europe, so that together, we can reach the future that both our peoples aspire for, and that they and our whole world deserve.Thank you very much."


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Their caregivers are allowed to cultivate cannabis seeds complete Guide to CBD, this process can be made a little easier and we have answered the question as to what CBD. Must be allowed to fully mature will nibble on your crops until there is nothing left (mmm…cannabis). Begins to die and is replaced by a new stalk emerging toward the tip your plants are growing and becoming a strong crop, you need to be careful with a few things. The THC content of hemp crops the soil have added nutrients or should I add the nutrients myself. Used during the different stages of marijuana temperature and CO2 will spread evenly throughout the room. Question was answered in a 2015 study published in PLoS ONE worldwide stealth shipping. Cannabinoids and is not used recreationally true to its name, this indica-dominant hybrid tastes and smells like bananas.
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Their thick fallen leaves can hold water and also permit them to withstand periods of time without hydration. They can additionally endure under fluorescent light, but grow finest with intense, indirect sunlight. Jade plants are most known for their thick, oval-shaped fallen leaves. Jade plants can live for many years as long as they are given the correct treatment.
Cast-iron plants are hardy plants that can stand up to a range of light and also dirt conditions. If you're eager to give up a little floor area in exchange for a nearly undestroyable plant, they're the plant to pick. Did you recognize that aloe vera plants belong of the succulent household? Similar to their loved ones, they delight in the sun and choose that their soil is completely dry between waterings. These small potted plants come in handy to keep around if you have any small burns, like a sunburn.
plant verb (PUT SECRETLY).
Destroying a floor tile of a vine ruins all ceramic tiles of the vine listed below it and damaging the upper ceramic tile or extracting the block it hangs from will damage the whole vine. Small indoor plants are some of one of the most versatile plant you can discover. Start by choosing a few of your favorites to see where they can fit.
From there, you'll obtain a suggestion concerning what works best in your room and what various other plants you intend to add! If you're up for obtaining a bit a lot more imaginative, why not try your hand at making a DIY ladder plant stand or DIY delicious wall yard? These jobs permit you to have an enjoyable Kunstblumen interior yard without taking up way too much room! If you're tight on flooring space, unique wall and also hanging planters are the method to go. Polka dot plants are colorful plants that supply an unforeseen dash of color to any shelf or tabletop.
To keep your plant's leaves glossy and also great, wipe them down from time to time to battle dust develop. This will certainly keep the leaves glossy and also enhance its capability to take in sunshine.
- Eco-friendly plants acquire most of their power from sunshine via photosynthesis by key chloroplasts that are stemmed from endosymbiosis with cyanobacteria.
- Blande offered to allow me put my nose in one of the bags; the air was incredibly aromatic, with a scent closer to aftershave than to fragrance.
- At only 8 inches tall, they need low light, minimal watering, and can be positioned in both open rooms like a living room or little, consisted of rooms like a bathroom.
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These little plants are generally known for their pink color, but they have actually extra just recently become available in other colors (like red and white). Although it prefers indirect sunlight, some direct sunlight throughout the day is fine for your plant if it isn't really colorful yet. Just keep in mind to bring it revoke the direct sunlight to prevent scorched fallen leaves. Peperomia leaves expand in limited clusters, making them suitable options for tiny racks or desks.
What is a good indoor plant?
Constant watering forces air from the dirt and opens the door for root-killing microorganisms and fungus to move in Next ask yourself if you are seeking a plant with beautiful eco-friendly leaves or would choose a blooming plant. Some flowering houseplants are seasonal while others will certainly flower time after time (seeTop Selections for Easy Care Flowering Houseplants). Offered there suffices empty space, they can get to a length of as much as ten ceramic tiles. Although they obstruct light, they do not restrain activity and can conveniently be destroyed with nearly any tool or tool.
The echeveria is one of the most typical types of succulents. Little plants like these are extra typically discovered at workplace and residence desks because of their easy treatment and also little size. Ensure to let your plants' soil completely dry completely prior to providing one more drink.


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Call us Toll Free 1-800-4-A-SWING.
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On Oct. 24 the Greater Anna Chamber of Commerce welcomed Gary Sirota of ADT Home Alarm - Authorized Dealer to the organization.
"A good client for us would be anyone wanting the peace of mind that comes with securing and protecting their family and home 24/7/365," Sirota said. "We chose to join the Anna Chamber because Anna residents have a great desire to keep families safe and secure; a perfect match for ADT."
Since 1874, ADT Security has been trusted by over 7 million families, and is the No. 1 leader in Smart Home Security and Automation. ADT Home Alarm is Dallas-based yet locally owned.
To schedule a consultation, call 469-667-6442 Monday through Saturday between 8 a.m. and 8 p.m. or anytime online at www.localhomealarm.com.


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We're offering a SAFE with a valuation cap of 4.9M. While the SAFE is considered a non-priced round, the valuation cap serves as assurance that your price won't be greater than the shares sold in our most recent offering (which also had a 4.9M valuation). We take our commitment to our investors seriously, and using a SAFE allows us to protect both our previous investors and our new investors. You can read about this in our Offering Circular. Thank you for your support and please reach out to us with questions!
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The transformation processes towards a sustainable development are complex. How can science contribute towards new solutions and ideas leading to change in practice? The authors of this book discuss these questions along the energy transition in the building sector.
A transformative research that leaves the neutral observer position needs appropriate concepts and methods: how can knowledge from different disciplines and from practice be integrated in order to be able to explain and understand complex circumstances and interrelations? What role do complex (agent-based) models and experiments play in this respect? Which mix of methods is required in transformative science in order to actively support the actors in transformation processes?
Theses questions are illustrated by the example of the BMBF funded project "EnerTransRuhr".
The e-book is published by Oekom and can be downloaded from the Wuppertal Institute's publication server.
Wuppertal Institute (ed.):
Knowledge as Transformative Energy
On Linking Models and Experiments in the Energy Transition in Buildings
Oekom Verlag, München, 2017
166 pages (E-Book)


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Pests are everywhere in the Slate Hill, New York area, and if you do not have them removed by a pest control specialist as soon as possible, you may find they have caused extensive harm to your property. If you are extremely unfortunate, you may even find yourself at your family physician's office in Slate Hill, NY being treated for some sort of disease or a nasty bite that has resulted in ulcers. The good news is that if you take your time while doing chores or by carefully inspecting around furnishings, you will probably spot these critters before they present too big of a threat in your Slate Hill home or business. Regardless of how many pests you discover or believe to be on your Slate Hill property, do not hesitate to get in touch with our exterminators at ICRPD at 888-412-4608 at this time.
Some pests in the Slate Hill, NY area have become infamous for eating through wood and using other strategies to leave your otherwise beautiful property looking like something left to rot. Other pests are better known for leaving you in intense pain or with some type of disease that makes you feel like you were run over by a truck. If you are like many people, you likely do not want either kind of pests in your home or office, which is why you should be on the lookout for these pests. Pests that are small in nature can be difficult to spot, which is another reason it is important to keep your eyes peeled for cosmetic changes around your home as well as the health of you and others.
Our pest control specialists who participate in regular training will be there at your Slate Hill, NY property help if you do identify pests. Our pest control company professionals are able to complete the job so easily as a result of their industrialized equipment and high degree of knowledge in the field. A exterminator services member doing work for our company will not only be able to take care of your pest control needs, but they will also work to make certain that pests are not back a week later. Sometimes, this means doing something as simple as finding a window that is slightly open, but it can also entail resealing vent work. We take a lots of pride in doing the job right even if that means spending more time on your property. Furthermore, you can always count on our pest control company team to arrive promptly.
Even if your wellbeing or Slate Hill, NY property suffers due to pests, they are just trying to do whatever it takes for them to keep living, which is a scary thought. Pests might be anywhere in your home or office, so you need to pay close attention. If you have seen pests within your property or have seen unusual changes, do not hesitate to call the exterminator services professionals at ICR Pest Detectives at 888-412-4608 instantly.
Q: Does ICRPD Provide Different Types of Pest Control?
A: The exterminators at ICR Pest Detectives can perform natural and chemical pest control procedures. The most common chemical treatment we utilize is pesticide. Pesticides work to shut down the vital organs of various pests, which results in death. Various oils, such as peppermint oil, are hiding in our natural pest control arsenal. Getting pests to depart by themselves is accomplished with these natural options. If you would like to know anything else regarding our pest control solutions, please do not hesitate to call our exterminators at 888-412-4608.
Q: Do Your Exterminators Receive Training in Slate Hill, NY?
A: Our exterminators have been in the industry for several years. We require each of our pest control specialists to complete on-going training, so they can keep up-to-date on current pest control solutions. For more info, take a peek at some of our locations: New Salisbury pest control.
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Q: Where Can I Look for Pests Inside of my Home or Business in Slate Hill, NY?
A: By taking the proper steps and being watchful, you can lower your probability of having to deal with pests. Checking behind objects and in areas of your home that do not receive a lot of traffic is an excellent idea according to our exterminators. Of course, you must also keep an eye out for damage to wood along with other materials that can easily be nibbled on by different types of pests.
Q:What Dangers Can Pests Present in Slate Hill?
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Q:Are Your Pest Control Methods Safe for Humans in Slate Hill, New York?
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What is Value Investing Strategy?
Warren Edward Buffett, the most famous of a value investor, born August 30, 1930, is an American business owner, investor, and philanthropist who serves as the chairman and CEO of conglomerate Berkshire Hathaway.
Warren is one of the world most successful value investor, and net worth of US$82 billion as of July 18, 2019, up and down the list of top to third-wealthiest person in the world.
1. How to trade like Warren Buffett?
- don't Follow The Hearsay. Invest in what you know
- discounted price? Identify value stocks
- diversifying Portfolios
- find stocks or business that will stand the test of the past recessions
- invest in companies with good management
- Be Fearful When Others Are Greedy
- observe Your Emotions
- long-term Investors are The Winners
2. Books that can help you more:
The Intelligent Investor, by Benjamin Graham
One Up on Wall Street, by Peter Lynch
3. Why do you need to learn about What is Value Investing Strategy?
This is NOT a get-rich-quick scheme, make money fast and you will lose it fast too. Value investing is a strategy that works overtime. Dividend value investing will not make you a millionaire overnight. The sooner you start the better, exponential growth will do its power to compile your money.
4. Build your stream of growing income
- Achieve financial freedom without sacrificing your time working for others
- You can have more time to look for more passive income
- Safe investing in the stock market
- Make money grow like Warren Buffett
I learn value investing in the local physical course. I spent about $2000 to attend 2-weekend classes here in Singapore. If you are not able to commit your time, this online Simply Investing Course can save you time and is affordable for long term investment.
5. Who else you can learn directly from?
Not long ago I found this experienced investor Kanwal Sarai. Who is Kanwal Sarai? Kanwal Sarai has 28 years experience of in Investing, he is using Warren Buffett's way to invest in the stock market. He is the perfect person to teach about what is Value Investing Strategy.
Kanwal is a very dedicated and firmly believing in his value investing teaching. He is happy to share and give free knowledge on his content on his website, Quora and YouTube. His explanation is easy to understand.
Kanwal Sarai's portfolio growth over 28 years is 294%, he has taught 200+ students in class and more and more students are signing up his online course.
Kanwal has some FREE and educational videos online, share to those who would like to learn about what is Value investing Strategy.
Other than having classes in Canada, he created a website called Simply Investing, to reach out to teach more people of the Warren Buffett way to invest.
"My passion is to help people just like you to achieve financial freedom." He said.
Kanwal teaches From 8 years to 65 years old people how to invest, his course has taught over 20 countries how to create their stream of growing passive income by investing in dividend stocks.
A dedicated investing educator, he helps his students learn exactly what they need to succeed in dividend investing. The terms and explanations he does and makes sure they are simple, clear and concise investing education produce the best results.
6. Simply Investing Online Course Overview
- you can watch at home or on the go
- focus on dividends
- step-by-step to online investing for beginners
- unique method to identify stocks that are quality and undervalued
- A 2.7-hour course that covers everything you need to be a successful investor
- do-it-yourself stock investment
- best techniques successful investors like Warren Buffett and Benjamin Graham have used
- demystification of the world of dividend investing
7. This course IS for you if you:
- want to learn how to invest responsibly
- want to maximize your return and reduce your risk
- are busy and don't have hours and hours to spend on stock research
- are looking to quickly learn and apply your knowledge to earn more
- no longer want to depend on mutual fund salespeople
- are tired of losing money and earning dismal return year after year
- want to earn more for yourself, your family, and your children
8. This course is NOT for you if you:
- looking for a get quick rich scheme
- want to learn day trading
- want to spend hours and hours researching which stocks to buy
- having thousands of dollars of debt
- to buy penny stocks
- want a sales presentation
- looking for mutual funds to buy
- looking to hand over the responsibility of your investments to mutual fund salespeople
9. Easiest, fastest way to learn about what is Value Investing Strategy
Module 1 – Introduction (14 minutes)
- What will you learn in this course?
- Investing Myths
- What is a Stock?
- What is a Dividend?
- What is the Stock Market?
- What is Value Investing?
Module 2 – Rules of Simply Investing (63 minutes)
• 12 Rules of Simply Investing
Module 3 – Plan A: Do-it-Yourself, Applying the 12 Rules (21 minutes)
• Plan A versus Plan B
• Plan A (hands-on exercise)
Module 4 – Plan B: Do-it-Yourself with Help, Saving Time (12 minutes)
• Plan B
• Quality resource available to save you time and money
Module 5 – Buying, Selling, Portfolio, Risk (38 minutes)
• How Do You Buy Stocks?
• 5 Reasons Why Mutual Funds Fail
• Building a Portfolio
• Tracking a Portfolio
• Managing Risk
• Getting Started Right Away
• Investing Myths & Investing Facts
Bonus Material
• Easy-to-use Simply Investing Excel Worksheet
• Bonus Video 1 (21 mins): How to fill in the Excel worksheet for Canadian stocks
• Bonus Video 2 (19 mins): How to fill in the Excel worksheet for US stocks
• Bonus Video 3 (3 mins): Where to obtain List of 10 Canadian Stocks
• Bonus Video 4 (2 mins): Where to obtain List of 10 US Stocks
The Simply Investing Course:
- consists of 5 video modules, bonus videos, a workbook (PDF), and Excel spreadsheet
- teaches you "The 12 Rules of Simply Investing" and how to find quality dividend-paying stocks that are undervalued
- can be purchased for a one-time payment, and comes with unlimited access to the course and any future updates
- Simply Investing Forum is included
10. Testimonial
"With enthusiasm and clarity, Kanwal explains value investing in a way that makes you excited and eager to start investing and watch your money grow. As a new graduate, Kanwal showed me the benefits of investing early and presented me with easy to understand the material that I could in turn use on my own. I can see my investment portfolio grew, and I know that I can always turn to Kanwal for solid value investing advice." – Sandy S.
"Kanwal is genuinely interested in seeing his students succeed. He's able to describe difficult concepts in a very simple easy to understand way. Thank you for an excellent course in value investing. My investments continue to perform well." – Ranjit S.
11. Course FAQ answered by Kanwal
1. What will you learn from the course?
About what is Value Investing Strategy and you will learn how to buy good dividend shares when the company stocks are undervalued (priced low).
I will teach in plain English without jargon and provide easy to follow steps. It's so simple even a nine-year-old could understand. My son completed my course and started his stock portfolio at the age of 9.
You will learn how to ignore the media noise, and focus on what is important. Learn how to invest quickly, and safely.
This is not a day trading course. My course is designed for the busy professional, start investing quickly without having to spend hours and hours each week on research.
Stop wasting money on fees, MERs, and commissions, and take charge of your investments and learn how to do it yourself in a few easy steps. As a value investor, you will be able to maximize the return on every hard-earned dollar you invest.
The Simply Investing course will empower and inspire you to achieve your financial success.
2. Is it difficult to learn and implement?
Dividend investing is not at all difficult to learn. The course makes it easy for anyone to understand and quickly implement this investing approach. You don't need a degree in finance, economics or accounting to apply the principles of dividend value investing. I explain investing in plain English making it easy for you to understand in a few simple steps.
3. Is this a day trading course?
No, this is not a day-trading course. Day trading is very risky and we do not recommend it. This is not a get-rich-quick scheme, dividend value investing is a strategy that works overtime to reduce your risk and increase your return. The average holding period for dividend value stocks is 5 years or more.
4. If I can learn it by myself, why do I need to sign up for your course?
Sure you can. There are lots of resources and books available on the topic of value investing and dividend investing. You will have to spend a huge amount of time reading, even talking to other investors. Going through trial and error and start applying the principles of value investing.
The cost and time required to learn value investing would certainly be more. Why not learn from my mistakes and experience?
My course is the quickest, simplest and easiest way to learn how to create a stream of growing passive income. Once you complete the course, you will be able to start investing in the stock market right away and reap the rewards.
5. Can you invest for me?
No. Simply Investing (SI) does not invest your money on your behalf. The goal of SI is to help you invest by yourself for yourself.
6. Does Value Investing work? Is this something new?
Value investing is not new. Benjamin Graham first wrote about it in 1934. Investors all over the world have applied the concept of value investing and reaped huge rewards.
Derek Foster was able to retire at the age of 34. John Greaney retired at the age of 38. Warren Buffet – the most famous of value investors – has been on the Forbes list of the richest people in the world for decades.
Having practiced dividend value investing for more than 18 years, my investments continue to have great returns. The list of successful value investors is long; we cover a few in the course and learn how they achieved financial success.
7. How much time and effort do I have to spend to invest?
Not much. Once you complete the course you will be able to start right away. Applying the concepts of dividend value investing takes as little as 15-20 minutes a month.
I understand everyone is busy, and you don't want to spend hours and hours reviewing financial statements. My course teaches you how to focus on the important stuff and get on with the rest of your life.
8. I have my broker or financial adviser. Do I need this course?
Yes. This course will help you to ask better questions when it comes to meeting with your broker or financial adviser. You will be equipped with the knowledge to ask about their investment strategy and financial performance and understand the financial jargon. Besides, this course will bring clarity and understanding when it comes to reviewing your statements.
Keep in mind that brokers have hundreds of clients. How much time and effort do you think your broker is giving to your investments?
Usually, it is the wealthier clients that get the broker's attention. You owe it to yourself, to become knowledgeable about your personal investments instead of leaving it up to someone else.
The only person who cares the most of your money is YOU.
9. Is this a Get-Rich-Scheme? Are you making a million dollars?
It doesn't work that way. Dividend value investing will not make you a millionaire overnight. This is not a get-rich-quick scheme. Value investing is a strategy that works overtime.
The sooner you start the better. I am offering this course because I firmly believe in it.
Somebody once said, "Find a job you love and you will never work a day in your life." I'd love to teach.
It's my passion. It's something I plan to do forever, even after my investments allow me to retire early. Teaching this course allows me to combine my passion for teaching with my enthusiasm for investing – the best of both worlds. I love to see people succeed; I want my students to apply what they've learned and reaped the rewards.
– end of FAQ –
RECAP – What you can bring back today
- Learn the basics of value investing
- Don't Follow The Hearsay. Invest in what you know (MY BIGGEST CHALLENGE)
- Discounted price? Identify value stocks
- Diversifying Portfolios (MY BIGGEST MISTAKE)
- Find stocks or business that will stand the recessions on the past track records
- Invest in companies with good management
- Be Fearful When Others Are Greedy
- Observe Your Emotions
- Long-term Investors are The Winners
Ready to learn how to invest like Warren Buffett?
Sign up the online course with Simply Investing here, and work together closely with Kanwal Sarai. Give me some comments about your experience and ideas! I don't mind learning more info from more you!


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I put together a tutorial for Rod from Himuragames.com.
A bunch of people have been asking for it so here it is.
You can upgrade your "SET5TASS" from the information there.
I think that the resulting joystick is better than your RAP because of the fact that the mirror finish is just a bad idea. It looks totally dirty and scratches so easy.
It's a work in progress so please leave no replies there till i'm all done with the tutorial
The joystick portion is basically done. I could add some pictures for clarity though. The button side is still coming in.
I'd like to put out a shout to people that have published their ideas and work that I've referenced in this tutorial and mixed in with my own techniques.
Thanks to:
Catch22 - all of the initial JLF in a Hori/Namco pictures.
SpiffyShoes - method to mount screws between housing and PCB.
ShinJN - Sanwa button prong bends.


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Regular price
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Shhhh. This is actually from a fork but sterling silverware nonetheless. In 1908 Paye and Baker came up with this beautiful Daisy design. This spoon ring has good weight to it with an amazing floral design that you don't want to miss.I turned the end of the fork into a ring. Check it out here.Dimension of ring:Current Size: 7 USRing Feel: MediumAaron Paul can re-size any spoon ring to fit your finger free of charge. He takes great care in carefully cleaning each spoon and uniquely turning it into a piece of history you can wear. Each piece of silverware Aaron Paul uses dates back between the early 1800's to mid 1900's with a majority of the patterns between 1880's to 1930's.My goal as an artist is to not only show the beauty and history of each piece of art but also the beauty of the person that wears this ring. I believe every person has a unique identity. With this identity and skills learned throughout life they can go into the world and shed light into dark places. My hope is that my art will help remind each person how unique they are and how they are one of a kind.


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Enter code: BMLAUNCH at checkout for FREE SHIPPING on your Entire Purchase!
If the dog toys are going to be strewn around the house anyway, why not make them match your decor? This natural color felt dog bone is ideal for puppers who like to play and chew on soft, squishy toys. This toy is tough, but would still not recommend for shredders.
Natural, Black, Charcoal Grey
7" x 3.5"


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Read the full article here.
This content was originally published by Investopedia. Original publishers retain all rights. It appears here for a limited time before automated archiving. By Investopedia
Breaking Business News | Breaking business news AM | Breaking Business News PMNew York City Recovery Index: Week of August 24
Investopedia and NY1 teamed up to track the economic recovery of New York City with a custom index tracking daily subway ridership, restaurant reservations, unemployment claims, hospitalizations and more.


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Originally Posted by Anachronity
But the question I had was...
How does an actual plutocracy work? (what are the titles and honorifics and so on of people who hold their position due to wealth, and not some royal lineage? Are there any true historical examples or are all of them only de-facto plutocracies with other forms of nominal, heavily corrupt governance?)
Plutocracies tend to cloak themselves in the clothing of other political systems rather than being out in the open. Checking Wikipedia will give you some excellent examples of historical plutocracies and the ways they worked. In general they are composed of powerful economic interests in the form of guilds/corporations that exert economic control over large portions of the economy and this gives them the power and wealth to substantially influence politics and social dynamics.
Originally Posted by Anachronity
EDIT: Additionally, I would appreciate any advice on convincingly portraying an organized crime syndicate in a fantasy world. This is 5th edition, so there's a bit less concern about magic immediately allowing anyone to determine on a whim whether or not a given individual is a ne'er-do-well.
Again, Wikipedia is your friend here. But a good way to think of organized crime syndicates is as a shadow feudal system. The guys at the bottom are granted territories and they pay tribute to the people above them who have larger territories and so on. They recruit people to work for them who fall into the broad categories of peasants (people who are largely unable to avoid working them), soldiers (the people who solidly work for them but aren't 'family'), and 'family' (the people who are the most privileged members of the group).
Last edited by jjordan; 2019-08-15 at 02:20 PM.
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Annal: 1994 Los Angeles Times Book Prize for Biography
Results of the Los Angeles Times Book Prize in the year 1994.
Shot in the Heart
Gary Gilmore, the infamous murderer immortalized by Norman Mailer in The Executioner's Song, campaigned for his own death and was executed by firing squad in 1977. Writer Mikal Gilmore is his younger brother. In Shot in the Heart, he tells the stunning story of their wildly dysfunctional family: their mother, a blacksheep daughter of unforgiving Mormon farmers; their father, a drunk, thief, and con man. It was a family destroyed by a multigenerational history of child abuse, alcoholism, crime, adultery, and murder. Mikal, burdened with the guilt of being his father's favorite and the shame of being Gary's brother, gracefully and painfully relates a murder tale "from inside the house where murder is born… a house that, in some ways, [he has] never been able to leave." Shot in the Heart is the history of an American family inextricably tied up with violence, and the story of how the children of this family committed murder and murdered themselves in payment for a long lineage of ruin. Haunting, harrowing, and profoundly affecting, Shot in the Heart exposes and explores a dark vein of American life that most of us would rather ignore. It is a book that will leave no reader unchanged.
An Evil Cradling
Brian Keenan's release from captivity was the first ray of hope for those hostages held in the Middle East. He describes the plight of his fellow hostages with first-hand knowledge. The language he uses reflects his past efforts as a poet in describing the pain and claustrophobia of imprisonment.
Harriet Beecher Stowe: A Life
"Up to this year I have always felt that I had no particular call to meddle with this subject….But I feel now that the time is come when even a woman or a child who can speak a word for freedom and humanity is bound to speak." Thus did Harriet Beecher Stowe announce her decision to begin work on what would become one of the most influential novels ever written. The subject she had hesitated to "meddle with" was slavery, and the novel, of course, was Uncle Tom's Cabin. Still debated today for its portrayal of African Americans and its unresolved place in the literary canon, Stowe's best-known work was first published in weekly installments from June 5, 1851 to April 1, 1852. It caused such a stir in both the North and South, and even in Great Britain, that when Stowe met President Lincoln in 1862 he is said to have greeted her with the words, "So you are the little woman who wrote the book that created this great war!" …[more]
Learned Hand: The Man and the Judge
A masterful, moving account of the life and work of one of the great judges of the twentieth century, whose work has left a profound mark on our legal, intellectual, and social landscape. The greatest judge never to be appointed to the Supreme Court, Learned Hand is widely considered the peer of Justices Holmes, Brandeis, and Cardozo. In his more than fifty years on the bench, he left an unequaled legacy of lastingly influential writings.
This distinctive biography goes well beyond Hand's official work, however, to depict both a complex human being and the times in which he lived. The first to draw on the enormous collection of the judge's private papers, the eminent constitutional scholar Gerald Gunther vividly portrays a public man consumed by private doubts. Gunther's lively account moves from Hand's childhood in a formidable (and anxiety-producing) family of lawyers to his years at Harvard as a studious outsider, his frustrating…[more]
Rodin: The Shape of Genius
Auguste Rodin—the most famous artist in the world at the turn of the twentieth century—led a life as sensational and intense as the great sculptures he created. In this major reinterpretation of Rodin's life and times, the accomplished Rodin scholar Ruth Butler draws for the first time on closely guarded archives and letters to disentangle the facts of this legendary artist's life from the many myths that have grown up around him. Lavishly illustrated, the book also provides new interpretations of the motivations, execution, and reception of Rodin's extraordinary artistic creations.


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Customer Relationship Officer
- Recruiter
- Location
- Southwark
- Salary
- £26,722 - £30,333 per annum
- Posted
- 16 Aug 2019
- Closing date
- 03 Sep 2019
- Ref
- Contact
- Southwark Council
- Industry
- Government & politics, Local government, Policy, Housing, Housing services, Marketing & PR, Communications, PR
- Job function
- Marketing & PR
- Job level
- Experienced (non manager)
- Hours
- Full time
- Contract
- Temp
- Listing type
- Job vacancy
The role
What we do We carry out major works in order to maintain and improve council homes, typically large-scale works to extend or improve the life of a building. Examples of major works include roof replacement, window replacement and structural work to buildings, as well as installing kitchens and bathrooms where specific age/condition criteria are met. Investment is designed and delivered via North and South teams, and a separate team which manages mechanical and electrical engineering projects such as lifts and heating. Our other functions include liaison and communication with tenants and homeowners over proposed major works, managing contractors for the delivery of works and managing the delivery of sustainable design. Other work undertaken includes: an ambitious six-year improvement programme to replace all kitchens older than 20 years and bathrooms older than 30 years; major works on some of our regeneration schemes such as the Aylesbury and East Dulwich estates as well as additional works identified as High Investment Needs Estates (HINE) linked to the Warm, Dry and Safe programme. You will ensuring customer satisfaction in our major housing investment programme. You'll take charge of customer relations relating to our Major Works programme as well as being charged with developing relationships at area and community level while monitoring customer care and proposing corrective action in order to achieve customer satisfaction. Also co-ordinate customer consultation events. Ideally you will have an awareness of contract management and social issues that impact on service delivery, you'll have some experience in a customer service, communications, resident engagement, or public relations environment. Your strong interpersonal, consultation, and relationship building skills will make you stand out from the crowd. If you feel you have the required skills, we would like to hear from you.
Recruitment timetable
Closing date: Tuesday 3rd September 2019 Interview date: Tuesday 17th September 2019
Additional salary details Fixed term contract - Maternity Cover (9 months)
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