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7 Facts You Must Know About Sizzurp
Sizzurp is a drink that has become popular among underage drinkers. It was initially marketed as an energy drink, but in reality it a drink that is a mix of some very unhealthy substances. Sizzurp is a mix of cough syrup, any alcohol, a fruity soda and a jolly rancher. The combination of sugar, fizz and alcohol can give anyone a high and it is bad especially for kids who get addicted to it. The worst thing is that sizzurp has actually been made more famous and acceptable to kids by the rap songs, some of which have lyrics extolling the goodness and coolness of sizzurp. You need to be careful about drinking sizzurp as it can cause many complications. Here are some facts you should know about sizzurp.
1. It contains alcohol
Although marketed as an energy drink, you should know that it has alcohol in it and if you see your kid or other kids sipping on it, you should make sure that they stop doing it. It is not good for kids.
2. It can be addictive
Sizzurp can be an extremely addictive drink. You can get hooked on to it so much that you may even get withdrawal symptoms when you are not drinking t for a few days. It is always better to stay away from it in the first place.
3. It can cause delusions and hallucinations
Drinking sizzurp can cause hallucinations and delusions. Do not drink sizzurp if you are driving or do not have it if you are planning to drive. Cough syrup and alcohol can be a deadly combination and you need to keep your senses right when you are out and driving.
4. It contains codeine
Codeine is a respiratory depressant and when sizzrup is taken in large quantities, it can cause difficulties in breathing and in very rare cases can even cause death and the person would stop breathing.


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Berserk Episode 12 English Subbed
You are watching Berserk Episode 12 English Subbed from the Berserk Anime Show. Watch or Download Berserk Episode 12 MP4 English Sub and other episodes of Berserk Streamed for Free.
Stream Berserk Episode 12
Episode Summary: Casca tells her story: Griffith helped her save herself from rape, so she followed him. She watched him with a pederast lord to earn money to create an army. When Guts came, she knew that she would not be Griffith's chosen friend.

subset: commoncrawl


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This Sliding Glass Patio Door Roller has a 3/4 inch (19.1 millimeter) wide, 1-3/16 inch (30.2 millimeter) tall adjustable die cast housing assembly. The steel ball bearing roller is 5/16 inch (7.9 millimeter) wide. This patio door roller assembly fits on doors by Fleetwood, Fullview and many other patio door manufacturers.
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GraphicRiver Watercolor Design Elements 7743407
Category: Stock Vector | Comment: ( 0 )
GraphicRiver Watercolor Design Elements 7743407
Stock Vector \ Decorative \ Borders
Modern \ Paint \ Label \ Invitation \ Green \ Illustration \ Paper \ Pink
Stock Vector - Watercolor Design Elements 7743407 by anna42f @ GraphicRiver
Stock Vector \ Decorative \ Borders
Graphics Files Included: Photoshop PSD, Transparent PNG, JPG Image, Vector EPS; Layered: Yes; Minimum Adobe CS Version: CS.
Set watercolor labels design elements, vintage frame handmade aquarelle. Vector illustration.
Purcase consist from 1 Vector Eps10 files, 1 JPG files, 1 PSD files and 2 Png files (1 file on invisible backround).
Text is outlines and not editable.
Set Barbershop retro ; Poster coffee in wood, chalk ; Vector of letters in retro style; Set Beauty Salon Chalk ; Set Traces Glass Draw; Watercolor Backgrounds; Bon Appetit.
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"It would be a question of the utmost public concern if an undercover officer were effectively permitted to operate without justification, authorisation or oversight in Ireland."
"Very soon, there is going to be a shortage of clean water on this planet. Drinking water will be more valuable than oil or natural gas. Human beings have survived for thousands of years without oil or natural gas. We have never known humanity or life on this planet to survive without clean water."


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The Song of Kwasin, the third volume in Philip José Farmer's Khokarsa/Ancient Opar series, is now available in both Kindle and NOOK ebook editions.
Tag Archives: novels
Opar, Intégrale: French-language Khokarsa series omnibus
In November 2016, Éditions Mnémos will be publishing Opar, Intégrale, a French-language omnibus encompassing Hadon of Ancient Opar, Flight to Opar, and The Song of Kwasin. This is the first French collection of the original Khokarsa/Ancient Opar trilogy, and also marks the first translation into French of The Song of Kwasin, which I coauthored with Philip Jose Farmer. I don't yet know who the cover artist is but I love the artwork!*
Opar, Intégrale is currently available for preorder from Amazon France and direct from the publisher.
* Update: According to the Internet Speculative Fiction Database, the cover artist is Grant Regan and the translator of The Song of Kwasin (Le Geste de Kwasin) is Laura Dupra. The translator of Hadon of Ancient Opar (Hadon, fils de l'antique Opar) and Flight to Opar (Fuite à Opar) is George H. Gallet.
Video: A Tour of the New Meteor House Edition of THE SONG OF KWASIN
I'm a reader that likes to hold a book in my hand before I purchase it, and I know I'm not alone. So here's a page-through video tour of the new Meteor House reprint of The Song of Kwasin to give you an idea of the bounty of bonus materials featured in this definitive edition of the novel.
Paperback Perils on THE SONG OF KWASIN
Bill Adcock over at Paperback Perils has posted a review of the new Meteor House edition of The Song of Kwasin. From the review:
The Song of Kwasin is a triumph, a work of literary achievement that stands above your average fantasy novel or adventure tale, delivering a story that feels, if not true, then at least real. Khokarsa is alive in the way Middle-Earth and Westeros are not, with a richness and fullness that extends beyond being backdrop to heroic escapades, and the fact that Christopher Paul Carey has been able to expand upon Farmer's original work and extend the legacy of Khokarsa is a treat not to be missed.
Read the full review here.
The Song of Kwasin releases this December from Meteor House.
Announcing THE SONG OF KWASIN in Its First-Ever Standalone Edition!
I'm excited to announce that this winter Meteor House will be publishing a brand-new edition of The Song of Kwasin, the Khokarsa novel I coauthored with Philip Jose Farmer. The novel has been out of print since 2012, having sold out shortly after its publication in an omnibus of the first three books of the Khokarsa series. The novel has never before been available in a standalone edition. Here's the preorder copy from the publisher:
US $22 tpb/$33 hc
5.5 × 8.5, 400+ pages
Unlimited Trade Paperback Edition
Signed Limited Edition Hardcover
(Signed by Christopher Paul Carey)
Meteor House is pleased to announce the first-ever standalone edition of Philip José Farmer and Christopher Paul Carey's critically acclaimed novel The Song of Kwasin, the third volume of the Khokarsa series. The Song of Kwasin previously appeared only in an expensive hardcover omnibus collecting the first three novels of the Khokarsa series and it has never been published alone in its own volume! So if you've read Hadon of Ancient Opar and Flight to Opar, and have been waiting for the epic climax to Philip Jose Farmer's original Khokarsa trilogy, this new Meteor House edition—available as both an affordable trade paperback and a collectible limited edition hardcover—is your chance to finally read the thrilling, adventure-packed third book!
Meteor House's new edition of The Song of Kwasin also features cover art and a frontispiece by Hugo Award-winning artist Bob Eggleton as well as rare and previously unpublished bonus materials, including:
- A brand-new introduction by noted author and critic Paul Di Filippo*
- A Preface to the New Edition by Christopher Paul Carey *
- "Kwasin and the Bear God" by Philip José Farmer and Christopher Paul Carey (a 20,000-word novella featuring a lost adventure of Kwasin)
- The Khokarsan Calendar by Philip José Farmer**
- The Plants of Khokarsa by Philip José Farmer**
- A Guide to Khokarsa by Christopher Paul Carey (expanded from the guide in the
- Restored Edition of Flight to Opar)
- Notes on the Khokarsa Series by Philip José Farmer*
- Philip José Farmer's Original Outline to The Song of Kwasin**
- Philip José Farmer's Alternate Outline to The Song of Kwasin*
- Correspondence by Philip José Farmer to Frank J. Brueckel and John Harwood, authors of "Heritage of the Flaming God," the monumental essay that inspired the Khokarsa series*
* Never before published.
** Only previously available in an out-of-print and extremely hard-to-find signed limited edition.
Volume 3 of the Khokarsa Series
The epic sequel to Flight to Opar!
After years of exile in the Wild Lands, the giant warrior Kwasin of Dythbeth returns to the mighty Khokarsan Empire seeking the oracle's forgiveness, only to find his native land torn asunder in a bloody civil war. The tyrannical King Minruth has usurped the throne from his daughter Awineth and, allied with the priests of the sun god Resu, overturned the beneficent, centuries-old rule of the priestesses of the goddess Kho. His spoiled cousin Hadon having fled with his companions to far-flung Opar, Kwasin soon finds he will have to take up the cause alone against Minruth the Mad.
Wielding his massive Ax of Victory, forged from the heart of a fallen star, Kwasin sets out to reconquer the throne of Khokarsa. But when he finds himself caught between a vengeful queen who seeks to control him and a conspiring priest who wants him dead, Kwasin must decide between reining in his unruly passions or unleashing them in a fury that could hurl the empire into oblivion. For the high priestess has decreed that unless Kwasin can master his wild nature and stop King Minruth before he attains immortality in an unholy ritual of the sun god, Great Kho will destroy all the land!
Cover reveal: Gods of Opar: Tales of Lost Khokarsa by Philip José Farmer and Christopher Paul Carey
|Cover art by Bob Eggleton
Behold, Bob Eggleton's awe-inspiring apocalyptic cover art to Gods of Opar: Tales of Lost Khokarsa!
The book, due out in late April, is an omnibus comprising Philip José Farmer's complete Khokarsa trilogy, which includes the novels Hadon of Ancient Opar, Flight to Opar, and the never-before-published The Song of Kwasin (the latter coauthored by yours truly). This marks the first time any of these books have been published in hardcover.
From the publisher:
Gods of Opar: Tales of Lost Khokarsa collects for the first time anywhere Philip José Farmer's epic Khokarsa cycle, including the never-before-published conclusion to the trilogy, The Song of Kwasin. In Hadon of Ancient Opar, the young hero Hadon journeys from his outpost city to the heart of the ancient African empire of Khokarsa, battling in the Great Games for the chance to win the king's crown. But just as Hadon stands upon the precipice of victory, the tyrannical King Minruth usurps the throne and overturns the beneficent, centuries-old rule of the priestesses of Kho. Now Hadon must set out upon a hero's journey unlike any other—to hunt down a living god and return with his bounty. The saga continues in Flight to Opar, as a decree by the oracle hurtles Hadon upon a perilous quest that will determine the fate of the next twelve millennia. In The Song of Kwasin, Hadon's herculean cousin returns to Khokarsa after long years of exile in the Wild Lands. But soon Kwasin finds that in order to clear his name he will have to take up the cause against King Minruth himself and stop him before he fulfills his mad quest for immortality high atop the sun god's bloody ziggurat.
Gods of Opar: Tales of Lost Khokarsa is available for preorder from Subterranean Press, Amazon, Barnes & Noble, or your local independent bookstore.


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Chair Ken Forbes
I started my working life fixing telephones and then moved to IBM in the Greenock plan and thence to Customer Engineering in the UK. I then moved to a Support Centre position in the UK and then to EMEA Support in Berlin. IBM Career was a total of 15 years and then I chose to leave to pursue other interests. I have worked for myself since 1994 as a Project / Programme / Implementation Manager throughout the UK and Europe. I have worked for many large corporations and public organisations during this time and have, in the course of these projects, worked with countries in all of the continents of the world. I was the Secretary of Tayside and Fife Branch from 2014 until 2016.
Secretary Alan Philip
Treasurer Gregory Newman
BCS in Scotland Representative Mr David Murie
Committee Members
Euan Headridge
Laura Fulford
Natalie Coull


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Featured Kama Sutra Position
Splitting Bamboo (Venudaritaka)
From our Book, The Complete Idiot's Guide to Supercharged Kama Sutra
Description: You start this position, like so many others, on your back. He kneels in front of you with his knees spread wide on either side of your hips. You slowly lift your right leg and drape it over his shoulder. Your left stretches out.
Now, in a pulsating rhythm of love, you switch legs, lowering your right leg and lifting your left. This up-and-down cycling motion of your legs continually changes the angle of his p*** bringing subtle shifts that ripple along your G-spot.
By changing the timing of your leg shifts, you can build your excitement bit by bit–slow it down and speed it up, according to your desire.


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Slusher vs. Bunch
By Amy Smith, Fri., July 19, 2002
The following is a capsule version of opposing views on the proposed Stratus development agreement, as presented by two former environmental allies: Council Member Daryl Slusher (for) and Save Our Springs Alliance director Bill Bunch (against). Their comments are drawn and summarized from their respective analyses of the proposal, edited for clarity and brevity. (Complete versions of each argument are available at www.ci.austin.tx.us/council/slusher.htm and www.sosalliance.org.)
Slusher: Stratus agrees to build at SOS impervious cover levels with strict water quality controls. In fact, the development levels in the proposal are less than could be built under SOS.
On SOS Compliance
Bunch: We continue to disagree. Under the current rural residential zoning, SOS would allow far less development than the proposed deal. SOS impervious cover levels must be applied on a site-by-site basis -- this is a much better approach than allowing much higher impervious cover levels on some sites.
Slusher: Stratus would be allowed to "cluster" its development, leaving some tracts completely undeveloped. The SOS ordinance does not allow clustering. This is what opponents ... are referring to when they say the agreement does not comply with SOS. City biologists and some environmentalists believe clustering provides better water quality protection than SOS.
The Cluster Effect
Bunch: The claim that SOS does not allow for "clustering" is incorrect. The ordinance only requires clustering below 15 to 25% impervious cover levels on every site.
Slusher: The development would include green-building measures, a prohibition on big-box retail, native plant landscaping, and dramatically reduced traffic beyond what was previously planned.
Miscellaneous Details
Bunch: Regarding the latter, both the proposal and city staff's traffic analysis of the deal is severely flawed. The city's Urban Transportation Commission has rejected these estimates. The staff analysis underestimates traffic to a significant degree, by ignoring trends of increasing vehicle miles traveled.
Slusher: The city's acquisition of the Stratus property is not feasible. Cost estimates of the property range from $50 million to $100 million. Austin, like other cities in the state and nation, is in a severe financial crunch.
Land Acquisition
Bunch: We have not advocated a specific purchase at this time; however, our general position is that it is cheaper to buy up development lands than it is to continue building road expansions, schools, etc. to serve the development. We believe that Stratus' view of the value of its land is grossly overinflated.
Slusher: The best opportunity for that has already been lost. In late 2000, I proposed consideration of swapping land at the former Mueller Airport for Stratus property. That proposal met with fierce resistance from SOS and the Austin Neighborhoods Council. I was unable to win majority council support for even discussing the idea.
Land Swap
Bunch: We support transferring development out of the Barton Springs watershed and very much appreciate that the City Council is interested in this approach. We oppose giving Stratus a monopoly position to explore such swapping or transfers. We support a competitive bidding process, so that all developers in the Barton Springs watershed are encouraged to offer trade lands. In this way the city can assure the best deal for taxpayers and for the aquifer.


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The Old Leadership Model is Broken!
We have all heard there is no "I" in TEAM, but to team members their individual roles and how they maximize their strengths in these roles makes all the difference in the world.
After working with numerous governments agencies, non-profit organizations, educational institutions and corporations, Rad Watkins figured out that humans have instinctual tendencies to act in certain ways that can either make them an asset as they bring their best forward, or make them a difficult person to deal with as they fall into the same traps over and over again.
Unleash The NATURAL Power of Your Audience
Let them learn how to:
and HAVE FUN DOING IT!
Rad's Animal Leadership presentation shows that leadership success is about a few natural truths that make us all leaders.
Your group will be on the edge of their seats listening to stories of wild adventure, and howling with laughter as they are engaged by Rad's stories of working with wildlife, in wild places.
They will learn how to tap into their human animalistic instincts and be shown how to use their personal leadership style with unique, true stories that make these lessons fun and easy to remember!
In the end, they will have learned life-long lessons that will help them become the leaders of their own lives, allowing them to be the kind of leaders who are able to support and serve others.
People remember better and are 30% more effective when they are having fun!
Let Rad Watkins show your group how to play to their strengths and have fun doing it. Book Rad NOW!
Who is Rad Watkins?
Radley "Rad" Watkins is an award winning conservationist and accomplished wildlife scientist. Rad has collected DNA samples from grizzly bears, rehabilitated bald eagles, tracked wolves, and studied mustangs. Rad has served in both the public and private sector. He has served as a government official and as a manager in the corporate consulting world. Rad has made numerous TV and radio appearances. He has written many strategic management plans and even contributed to prestigious scientific journals. He has an easy-going and fun-filled style.
As a child Rad was was labeled learning disabled and seemed to be a failure in school. Learning how to play to his strengths and having fun doing it, Rad was able to obtain his masters degree, lead teams, and live the life of his dreams.
Currently, Rad speaks and shows others how to take control of their life, and become the kind of leader that can not only achieve their personal goals, but help others bring their best forward. Rad has spoken to thousands of people of all ages, including international audiences. He calls his system Animal Leadership, and it is applicable to success in any field, regardless of age or discipline.
Rad's success strategies are published in the book Animal Leadership: Leadership Lessons Learned from Wildlife for Leading Yourself and Others. The book not only describes what motivates all living creatures, but relates human personalities to those of the bear, wolf, eagle, and wild horse. Being a group leader or team player starts with being the leader of your own life. By knowing what animal you are metaphorically, you can put yourself in the right "habitat" to thrive. By recognizing the personality of others, you can "feed" them information in the way they prefer.
FREE copies of Rad's book when you book Rad to speak for your next event.
Once audience members learn the characteristics of the four animal personalities they know how to:
- Put themselves in the right habitat to play to their strengths
- Avoid the traps that are set for their animals
- Feed information to those around them in a manner others prefer
- Support others and help expose the traps that are set for them
- Build the character of a leader
Rad especially enjoys sharing his message with:
- Corporate Groups
- Community Groups
- College and Youth Audiences
Animal Leadership for Building Teams
When studying nature we know to appreciate diversity, yet when working with people we all too often assume everyone is just like us. Rad Watkins' Animal Leadership teaches that people are either the bear, wolf, eagle, or horse, and each one of these personality types has different qualities they bring to a team. Your group will be laughing as they listen to Rad's stories about how people are just like wildlife, and find out what animal they most relate to. Team building has never been so fun! The lessons learned are simple, and change the way people work together forever.
Learning Outcome: Audiences will know how to recognize the strengths of their teammates and how to incorporate diverse personal styles to achieve shared goals.
Leadership Lessons Learned from Wildlife: What Animals and Top Leaders Have in Common When it Comes to Harnessing Wild Success
Dramatic and bold descriptions of four lessons for making a well rounded leader. These lessons are based on exciting stories from Rad Watkins' 18-year career working with wildlife, such as grizzly bears and wolves, and the insights this work has provided into how to use the laws of nature to drive your success.
Learning Outcome: Audiences will know how to move beyond their common behaviors and find their path to natural success in any situation.
Animal Leadership for Becoming More Influential
Whether serving as a leader, increasing sales, or convincing others to adopt new ethics, the ability to connect with people is essential. Influence, persuasion, sales, and the art of connecting are all about serving others and giving them what they want in the form they want it. Rad shows how the Animal Leadership system allows individuals to connect quickly with others and increase their power to be influential and lead.
Learning Outcome: Audiences will know how to communicate with most everyone they meet by providing information in a way that is most appealing to that individual.
What They Are Saying
"I thought this session was wonderful! It got everybody motivated and in a good mood. Rad did a great job. I enjoyed it immensely."
-Linda Herrmann, Labor Relations and Employees Services
"I have utilized Radley Watkins' Animal Leadership Training for my event and I highly recommend him!"
-Dr. Ross Davis, Workforce Development Coordinator, Northwoods NiiJii Enterprise Community Inc.
"My firm hired Rad Watkins to give his Animal Leadership speech to kick off a three-day training event we conducted for a United States government agency. Rad both entertained and educated our audience of government leaders. We chose Rad because the way he framed leadership principles in relation to wild animals (bear, wolf, horse and eagle) was different and memorable. The animal leadership survey that the 70 participants took created "buzz" before the event. We received fantastic feedback! It was an excellent way to begin the day and the conversation about our "animal personalities" lasted throughout the event. Rad was easy to work with and we will plan to work with him again. Animal Leadership provides a valuable tool to improve leadership skills and I highly recommend Rad Watkins."
-E. Davon Kelly, President/CEO Novad Consulting
"Excellent presentation today, Radley had a whole group of county employees really fired up and excited; Howling, and ready to go first thing early on a Wednesday morning. Very easy to work with. Helped get the employees focused on leadership, and that they are all leaders, and that they can all make a difference."
-Lisa Charbarneau, Employee Services Manager, Oneida County
FREE copies of Rad's book when you book Rad to speak for your next event.
Rad Watkins' Animal Leadership is UNIQUE!
Rad is different than your average leadership speaker.
Your audience will have a great time, learn a lot, and be motivated!
Ask about FREE books when you book Rad to speak for your next event.
- Alliance for the Wild Rockies Conservation Award - For outstanding activism on behalf of the Wild Rockies Bioregion


text:
From Global Justice to Occupy and Podemos: Mapping Three Stages of Contemporary Activism
Special Section of tripleC: Communication, Capitalism & Critique (http://www.triple-c.at)Edited by Todd Wolfson, Emiliano Treré, Paolo Gerbaudo, Peter Funke
tripleC 15 (2), 2017, pp. 390-542
Please note that the editors appear in reversed alphabetical order, not in order of importance. This special issue represents a collective effort, and all the four editors contributed equally to it.
social movements; protest; communication; media; Internet; politics; digital
tripleC is a peer-reviewed, open-access journal (ISSN: 1726-670X). All journal content, except where otherwise noted, is licensed under the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.


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After his interest in photography was ignited in his late teens, Balazs worked extensively as a news photographer, refining his innate talent while documenting fast-paced events in areas from politics to sports.
To pursue his growing interest in humanity's complex relationship with itself and with nature, Balazs devoted over a decade to capturing the landscape of the war in Afghanistan, as well as the far-reaching consequences of the global water crisis. His dispatches from the Afghan frontline earned him the Bayeux-Calvados Award for War Correspondents, while his stories from the "water front" also received numerous honors, such as the Global Vision Award from Pictures of the Year International.
Balazs' unique storytelling skills, his love of sports photography, and his ability to instantly forge a deep connection with his subjects have led to a 15-year collaboration with Red Bull. Balazs and Red Bull regularly team up to chronicle the company's most extreme global flagship projects.
His work has appeared online and in print around the world, including Google, Harper's, National Geographic Magazine, Newsweek, The New York Times, Outside, TIME, Bloomberg Businessweek, Dazed, Discovery Channel Magazine, The FADER, The Guardian, GoPro, The Red Bulletin, and The Sunday Times Magazine.


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Banana Republic Classic Limited Edition 2008 - Pictures
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Riding with the Cavalry
One hundred fifty years after it really happened, we were once again engaged in that most doomed of military ventures: Pickett's Charge.
I had spent five straight days in the saddle and was happy to be out of it, marching on foot toward some 3,500 Union soldiers about 500 yards away, and among my fellow Confederates in rural Pennsylvania, where the blue and the gray annually revive their epic clash.
I had ridden with the 1st Virginia Cavalry for days, but now, in this ill-fated charge against the North, a lack of horseback troops meant I had to transfer to the 1st South Carolina Infantry. We gamely held up the right flank while trying in vain to stay abreast of the entire line. The mission was soon to unravel, as it did in 1863.
"Stay on line!" yelled our mustachioed commander, who I'd only met 20 minutes earlier. "Stay on line!" Amid the chaos of the battlefield, he was perfectly suited, brandishing two sabers held out parallel to the ground and trying to get us to either slow down or speed up depending on the actions of those to our left.
As I marched on foot, Michael Schramm, an accomplished equestrian, snarked at me from the rank directly to my rear: "I told you, dude. Death before dismount." I was perfectly content with my feet on the ground since my horse had decided he didn't like the shouting and noise of the cannons and decided to exit the battlefield early – bearing me, his rider, clinging to the saddle horn. I was happy to walk in an infantry unit from South Carolina, the state in which I attended military college.
During the four days of battles leading to this ultimate ending, I had served as a runner for Brig. Gen. Doug Nalls, commander of the Confederate Cavalry, and Gen. Brian Gesuero, a firefighter from Clinton, Md., and commander of the 1st Corps.
I hadn't been much use as a runner because my horse and I seldom agreed on which direction to head. At one point, as I was trying to leave the field, I inexplicably found myself in the heart of a saber battle roughly 10 feet from "Gen. Custer," who smiled at me and said, "Not today, bud. I live through this one."
But on this particular Sunday, as rain clouds threatened to douse the roughly 20,000 spectators in attendance, I got to the battle the old-fashioned way, in boots obviously made for a man with feet several inches smaller than mine. Among the Civil War's most enduring jokes is that Army boots came in two sizes: too big and too small.
Cannons roared, men swore, spectators cheered, and I just tried to stay on line with my unit. It wasn't easy crossing a gully-scoured battlefield, often through surprisingly deep water.
At 200 yards, we saw our last obstacle: a wooden fence halfway between us and the enemy.
Bugles blared, men yelled the rebel cheer, and on we charged. We closed with the fences and struck. And everywhere along the line the fence went down, except the section I hit. I managed to get a lungful of needed air when Schramm and the second rank struck me and pushed me into the fence again. Eventually, we surrendered to the inevitable and went around it.
At 50 meters, the Union soldiers opened up on us. It was a slaughter. I couldn't help but wonder if the men on the first go-round had thought, as I did, "What are we doing here?" That's when I became a Civil War statistic.
Schramm, who had been the best man in my wedding and served with me in Bosnia, had asked rather innocently several months earlier, "Why don't you come do an embed with my unit?" After 19 years as a cavalry scout and an infantryman, including a stint with the Old Guard at Arlington National Cemetery, Schramm had transferred to the Air National Guard to be a loadmaster. But his flight physical revealed a lung condition that precluded further service, and he was medically retired. So when he asked me to embed in his unit, I was understandably confused.
His unit, it turned out, was not of this century.
It was the 1st Virginia Cavalry of the Army of Northern Virginia, where Schramm served as a major and adjutant in charge of seemingly everything from logistics to ensuring that greenhorns like me didn't get trampled to death by their horses. Schramm is a battle re-enactor, one among a welcoming and gregarious group of people.
My wife, Caroline, and I sat around the campfire at night, eating food prepared by Mike's wife, Jo, and discussed everything from current affairs to 19th-century military tactics. They told stories of re-enactments past, when conditions were significantly less hospitable than what we had on this anniversary date. They chuckled over lost boots at New Market and commanders who tried to revise history by winning battles their ancestral counterparts had lost.
The uniforms and weapons can get expensive, so most re-enactors have middle- to upper-middle-class incomes. A basic kit for an infantry re-enactor starts at around $1,000, with just the uniform, weapon, tents and assorted gear. For the cavalry, the cost of caring for horses is added, as are additional weapons like pistols and sabers.
Life as a cavalry troop under Brig. Gen. Nalls was easy compared to that of the infantryman. At 6 a.m. each day, bugles and drums would call the infantry to training. They would march through camp to a nearby open field, while those of us who depended on our equine friends usually slept in.
We fought about two battles a day and at night shared stories, camaraderie and fire-cooked meals. It was the best of camping, adding in the excitement of battle that resulted in no casualties. (This is probably why such re-enactments are so attractive to veterans.)
Schramm, a member of Mathews American Legion Post 83, lives in the Shenandoah region of Virginia. He introduced me to Vietnam War veterans, as well as those who had served in Iraq and Afghanistan, on both sides of the re-enactments. One of the infantrymen marching with us from South Carolina introduced himself as a Legionnaire and Korean War Navy veteran. The 16-year-old boy next to him talked about his desire to serve in the military when he turns 18.
The American Legion Family was well represented on the general's staff, as we were joined by Logan Metesh and his wife, Jennifer. A firearms specialist with the National Rifle Association, Logan has been a member and adjutant of Sons of the American Legion Squadron 320 in Spotsylvania, Va. His great-grandfather, Joseph Davie, served in World War I as a horseshoer with Battery D of the 10th Field Artillery. "It came full circle for me to serve in the cavalry," he said.
Logan and Jennifer were both fighting in the Army of Northern Virginia this time, but they trace their ancestors to the Union side – Logan's family from New York and Jennifer's from Wisconsin. Only in their 20s, they are veteran re-enactors. "We met at college (University of Mary Washington) during a meeting for a Civil War walking tour of our campus," Logan says. "I got her started into infantry re-enacting, but she has been riding horses since she was a kid and wanted to combine the two. I told her if she could find a cav unit, we could join. She found the 1st Virginia Cav, and the rest is history."
Jennifer rides carrying a saber entrusted to her by Blane Piper, a Legionnaire who served as a radioman in the Navy from 1961 to 1964. He had been a member of the post (as well as SAL and the Legion Riders) with Logan, and a re-enactor commanding a unit in Gen. James Archer's Brigade. At the 135th anniversary of Gettysburg, Piper carried an engraved saber presented to him by his men. Unable to attend the 150th, he asked Jennifer, a corporal with the 1st Virginia Cav, to carry it into battle for him.
I never got the name of the man who shot me.
But as I lay there moaning in the grass, knowing I would never win an Oscar, I could see him smiling. And when the Union troops moved out over our position, chasing the now-fleeing rebels, he did stop to check on me.
"You doing OK, bud?" he asked with a wry smile. "You need any water?" I told him I was good but wished he hadn't killed me.
"Never mess with us Hoosiers, son," he said as he stepped over and past me.
"Damn," I muttered. "Killed by a guy from my own state."
As the rain started to fall, I regained my feet and stood at attention as a bugler played Taps, bringing closure to a milestone anniversary of a historic battle that will stir back to life this year. The battle will always resume, as long as there are people like us, who so deeply appreciate military history that we'll happily step back in time, put on the ancient uniform, mount an insubordinate horse, draw sabers and march online into an enemy stronghold, hearts pumping with excitement, always knowing the ultimate outcome.
Mark Seavey is a writer for The American Legion Magazine and editor of the Burn Pit blog.
For more information on Civil War re-enacting and the 151st anniversary of the Battle of Gettysburg on July 4-6, visit the Gettysburg Reenactment Committee's website.


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Noel Gourdin! The River. Check that song out too. The Anthony Hamilton, Charlie Wilson, and so many others are amazing. 98.7 Kiss FM enlightened me! :-)
Such a beautiful song..I love it. I'm so in love with this song. Can't wait for the album.
YESS JILL! this is what we need
Jill and Anthony sound good together, I love this song + video…Welcome back Jill!


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On the same theme, here's a map of the mean global centre of population. Strictly speaking it should be deep inside the Earth somewhere, and confusingly locates to different points on a flat map depending on projection.
This map based on the WGS84 reference ellipsoid, and population info from the 2008 CIA World Factbook locates it (in blue) in northern South Asia. And the corresponding antipodal point – the place on average, furthest from the world's population – in the Southern Pacific.
Image by Brhaspati, Creative Commons Attribution-Share Alike 3.0 license.


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MAH MCA CET Answer Key 2017 19, March Exam Solutions Download Answer Sheet Online PDF dtemaharashtra.gov.in
MAH MCA CET Answer Key
Want to know your performance in MAH MCA CET? Then don't worry and check answers with MAH MCA CET Answer Key. Candidates who have participated in the Master of Computer Applications Common Entrance Test on 19th March 2017 they can get complete solutions of questions through this page. Candidates can download MAH MCA CET Answer Sheet in the form of PDF through online mode by visiting to the official web portal that is dtemaharashtra.gov.in. Candidates can follow some simple steps for downloading exam solutions which is available in the beneath segment of this page. For more information regarding MAH MCA CET Answer Key 2017, candidates are advised to scroll down this page which is well furnished by the unit members of indguru.com.
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Official Solutions of MAH MCA CET
Every year Directorate of Technical Education, Maharashtra conducted the Master of Computer Applications Common Entrance Test for those applicants who wish to get admission to Master of Computer Application (MCA) courses. This year the examination is conducted on 19th March 2017 in which a huge number of applicants took participate. Now almost all the candidates are excited to know about their performance which can be evaluated through the answer sheet. By checking their answers with the official solutions candidates can evaluate their marks and can get an idea of their result.
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text: Is there a way to move one of the seven "home pages" to a different slot. Let's say, for example, that I have all my pages nicely set up with widgets aligned, etc. Then I decide that I want to get the first page (furthest from the central "home page") to be the second one. Can I move it without having to completely move all the widgets from page to page? Thanks. Mark


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Hello My Name Is...
Jeanine Nepveux
Assistant Principle for Attendance & Senior Discipline
I am
the Assistant Principal for Attendance at Harlandale High School and
I handle all 12th grade discipline. If you have any questions or
concerns, feel free to contact me at 989-1012 or by email at firstname.lastname@example.com.
Q: Why do I have to go to school?
A: The State of Texas requires that every child between the age of 6 and 18 go to school every day.
Q: What happens if I miss too much school?
A: Two
things will happen if you miss too much school. You will not be awarded
credit for your missed classes, regardless of grades, and you will be
sent to truancy court. The State of Texas requires that you be in your
classes at least 90% of the time each semester in order to be awarded
credit. You will have to make up hours before you can be awarded your
credit. (see "How do I make up hours?" later in this brochure.)
Q: What do I do if I am absent?
A: It
is likely that there will be days that you must miss school. It is
important that you only miss when it is absolutely necessary. When you do miss school, you must report to the attendance office before 8:10 a.m. to turn in your note and get an admit slip.
Q: Will my absence be excused?
Excused absences include: personal illness, family funerals, medical
appointments, and court appointments with a subpoena. Other reasons will
be reviewed on a case-by-case basis. You
will be required to provide written documentation for the
absence, which must include the date of the absence and a parent
signature. Parent/doctor's notes will only be excepted within 5 school days after the absence.
Q: Is there a limit on the number of parent notes that will be excepted?
parent note will only be permitted to excuse up to 5 absences per
semester. Any absence, after the 5th absence for the semester, will be
considered unexcused unless a medical or doctor's note is provided.
Q: What if I need to check out of school?
If you become ill at school, you must see the school nurse. The nurse
will determine if you need to be sent home. If the nurse sends you home,
you will be excused for the missed classes if you bring a note from a
doctor or parent the following morning. The limit on the number of
parent notes per semester applies to check-outs as well. If
you leave school without following the proper check-out procedure, you
will be considered truant and discipline consequences will follow.
Q: How do I make up hours?
If you have more than 9 unexcused absences from a class period per
semester, you need to go to the Assistant Principal for Attendance
office to find out how many hours you will need to complete in order to
recover your credit.
If you need to make-up hours, there are several ways to make them up. You can:
· Attend before school or after school tutoring
· Work in the APEX lab after school
· Attend after school detention
You will need to turn in documentation of the hours you made-up, which must include the following:
· Your name and ID#
· Date attended tutoring
· Start time and end time
· Teacher's signature
required make-up hours must be turned in to the Assistant Principal
for Attendance office. District policy requires that make-up hours be
completed within the semester acquired.
Q: What if there are extenuating circumstances that require that I miss school?
If you are experiencing circumstances that make it impossible for you
to attend school regularly, it is very important that you meet with the
Assistant Principal for Attendance. We
have an Attendance Committee that will meet to discuss concerns with
specific student's attendance. This committee will create a plan to help
students recover lost credit due to excessive absences.
In accordance with Title VI, Civil Rights Act of 1964, Title IX, Education Amendment of 1972, Section 504, Rehabilitation Act of 1973 and Title II of the Americans with Disabilities Act of 1992, the Harlandale Independent School District does not discriminate on the basis of ethnicity, religion, military status, color, national origin, age, sex, disability or any other basis prohibited by law. Student Title IX Coordinator is James Klein, 7026 S. Flores St, San Antonio TX 78221, (210) 989-4445.Title IX Coordinator is Diana Tudyk,102 Genevieve, San Antonio, TX 78214, (210) 989-4300. Section 504 Coordinator is Della Taylor, 906 March Ave., San Antonio, TX 78214, (210) 989-5255.
De conformidad con el Título VI, Ley de Derechos Civiles de 1964, Título IX, Enmienda de Educación de 1972, la Sección 504 de la Ley de Rehabilitación de 1973 y el Título II de la Ley de Estadounidenses con Discapacidades de 1992, el Distrito Escolar Independiente de Harlandale no discrimina sobre la base de etnia, religión, estatus militar, color, origen nacional, edad, sexo, discapacidad o cualquier otra razón prohibida por la ley. Título IX coordinador estudiantiles son James Klein, 7026 S. Flores St, San Antonio TX 78221, (210) 989-4445. Coordinador del Título IX es Diana Tudyk, 102 Genevieve, San Antonio, TX 78214, (210) 989-4300. Coordinador de la Sección 504 es Della Taylor, 906 de marzo Ave., San Antonio, TX 78214, (210) 989 5255.


text:
Mass Perforation Machine Press
Mass Perforation is required in the Auto Interior and Aerospace industries for manufacturing of seat covers and door panels to allow heat and cooling ventilation.
SCHWABE Roller Press machine uses custom mass perforation tooling with accurate and rigid tooling which is designed with crashrails to prevent tool damage. The perforation tooling is a modular design and is integrated with the roller press.
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Mass Perforation – Manufacturing Alternatives
The Roller Press production using mass perforation tooling is cost effective based on the initial tooling and comparative machine costs
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- Quick pattern change with alternative tiles
Alternative machine processes e.g. Laser, NC, Water Jet, Single Stroke offer advantages in flexibility for pattern change and in the speed for prototyping.
The ket disadvantages compared to Roller Press mass perforation are
- Costly equipment investment
- Costly maintenance
- NC Cutting has slow cutting speeds
For more information or to request a quote please contact firstname.lastname@example.com


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If you are using IE 9 or later, make sure you turn off "Compatibility View".
Handpicked brands for you
The Indian Summer lives on! Enjoy 25% OFF tees, tanks, and more at our website. Shop at the link in our profile.


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Matters of Taste
I realize that food choices are very subjective. Still, how can you offer a blind taste test of seven chocolate cakes and not include the incomparable chocolate black-out cake from Ardsley's Riviera Bakehouse? It's a cake that defines what chocolate cake is. I'd also like to add that the Executive Diner in
Merri Rosenberg
Foodie Faux Pas
I was pleased to see the article on
In last month's feature about spectacular closets ("Inside Story"), we omitted the names of the designers behind Angela Santomero's dressing room. The closet designers are Jill Fleischman and Stacey Cowen of The Closet Factory in
In our October feature on private schools, we incorrectly reported
Riemer Kitchens & Fine Cabinetry is not defunct as mistakenly reported in the Short Order column of our October Westchester Eats section. The company has just moved to design studio quarters at


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Cairngorms Self Catering cottage, Coille Ghlas, Nethy Bridge, sleeps 8
Areas: Cairngorms
Sleeps a maximum of: 8
Pricing From: £377.00 - 1001.00
This superior stone cottage is superbly located in the village of Nethy Bridge, near Grantown-on-Spey, in the fabulous Cairngorm National Park and can sleep eight people in four bedrooms.
Coille Ghlas is a superior stone cottage, superbly located in the village of Nethy Bridge, near Grantown-on-Spey, in the fabulous Cairngorm National Park and can sleep eight people. The cottage has two twin bedrooms (one zip/link and can be a super king-size double on request), a single bedroom, a family room with a king-size double and a single bed, a bathroom, a ground floor shower room, a fitted kitchen, a dining room and two sitting rooms with open fires. Outside there is ample off road parking, secure bike storage and a front, lawned garden with furniture. With all that the stunning Cairngorm National Park has to offer, Coille Ghlas is a wonderful base for your holiday.
A lovely cottage in a really beautiful setting. A quiet rural location which was perfect. Great for a big family get together. Good outdoor space with table and chairs for al fresco dining. For the price this property was excellent value and we really enjoyed our stay. Would definitely recommend. Communication with Sykes cottages and the keyholder were excellent.
Mrs Arthur
A beautiful home from home in a stunning location
Miss Grant
A great location and a good house to share with family. There was plenty of room. The kids loved the garden and they could go straight out of the gate into the forest. Overall a great house and I would definitely come back again. The whole area is beautiful. Scotland at it's best.
Mrs Sawtell
We love this house, and its location. The fire makes it very cosy, and the easy access to walks straight from the door is great.
Dr Hill
Large house with warm fires close to village.
Stayed with my partner and his two brothers. Well decorated and furnished large house close to the centre of Nethy Bridge (short walk) with two living rooms and a wood fire in each. Kept the house warm and cosy during our stay, and went great with food and small amount of whisky. Everything you could need in the kitchen along with comfortable bedding & towels. Great location close to Cairngorm, Aviemore and other great scenery and attractions. I loved visiting the Reindeer, Glenmore Forest and Loch Ness. Also great views of the forest behind from the windows, and is for amenities is a Spar shop and Nethy Bridge Hotel for drinks/food close by. Would recommend anytime of year and will come back.
Services / Facilities:
Oil central heating with open fire in both sitting rooms. Electric oven and hob, microwave, fridge/freezer, washer/dryer, dishwasher, TV with Freeview, selection of books and games. Fuel, power and starter pack for open fires inc. in rent. Bed linen and towels inc. in rent. Cot and highchair. Ample off road parking. Bike storage. Front, wild nature garden with picnic bench. Two well behaved pets welcome. Sorry, no smoking. Shop and pub 10 mins walk. Note: In heavy snow the access track up to the house (approx. 100 yards long) may become blocked and vehicles may need to be left at the end of the road. Note: Check in time at this property is 4pm.
Changeover Day
Single Beds: 1
Double Beds: 1
Twin Beds: 2
Further Amenities:
Linen provided
Towels provided
Washing Machine
High Chair
Get an Ordnance Survey map covering the Nethy Bridge area.
Nearest AttractionsHeritage Rated from 1- 5 (low-exceptional) on historic interest
Abernethy Forest - 2.1 miles (Countryside)
Loch Garten Osprey Centre - 2.2 miles (Countryside)
Cairngorms National Park - Photos and Historic Sites - 5 miles (Countryside)
Carrbridge Packhorse Bridge - 6.4 miles (Historic Building)
Cairngorms National Park - 6.8 miles (Countryside)
Doune of Rothiemurchus - 8.7 miles (Historic House)
Drumin Castle - 12.7 miles (Castle)
Old Bridge of Avon - 14.6 miles (Historic Building)
Ballindalloch Castle - 14.8 miles (Historic House)
Marionburgh Cairn - 14.8 miles (Prehistoric Site)
Nearest Alternative Cottages
Nethy Bridge, Highlands and Islands
Sleeps: 6
Stay from: £301.00 - 779.00
Grantown-on-Spey, Highlands and Islands
Sleeps: 7
Stay from: £317.00 - 700.00
Boat of Garten, Highlands and Islands
Sleeps: 8
Stay from: £377.00 - 952.00
Details of facilities are believed correct at time of publication, but may be subject to change by the cottage proprietor. Up-to-the-minute facility listings will be always presented during the booking process for your approval.
UK Self Catering
England - Scotland - Wales
Popular Locations
Devon - Cornwall - Lake District - Highlands - North Wales - South West Wales


text: Who can be a greeter? Anyone willing to welcome Mass attendees with a big smile 20-30 minutes before the start of liturgy! Holding the door, saying hello, and showing newcomers where the restrooms are located can go a long way toward making our community feel welcome. You can always find the current greeter schedule in our online bulletin. Call Barb Russel (920- 650-0492) if you can help!


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Robbo sees skipper in Davies
By Tom Adams
Last Updated: 01/01/70 1:00am
Bryan Robson has identified Curtis Davies as a potential West Brom captain.West Brom boss Bryan Robson has identified young stopper Curtis Davies as a potential Baggies captain after his impressive start to Premiership life.
The 20-year-old moved to the Midlands for what looked like a substantial outlay of £3 million to Luton Town on transfer deadline day, however he has settled in well amongst the Premiership stars at The Hawthorns and has started ten games in England's top flight.
Davies was touted as one of The Championship's finest talents after just a handful of games at Kenilworth Road this season, and he has taken his development onto a wider stage under Robson's tutelage.
However the Baggies boss believes the England Under-21 man is far from completing his learning curve, and has hailed him as a future captain of the club.
"Curtis is definitely captaincy material as he speaks during games and is a confident young lad who can go all the way," said Robson.
"He has got a great chance of improving and going further. That is a challenge for him.
"But to reach the top has got to be better than the other centre-halves in the country.
"If you want to improve and be a top player then you have to be better than those are about.
"That is his challenge and that is what will make him a better player but he is willing to learn."
Davies is blessed with impressive pace and a keen eye for the game, and the former Hatter says he was always confident of nailing down a spot in Robson's starting XI after his quick elevation to first team duties.
Aside from a couple of high profile mistakes, such as a misjudged backpass that allowed Shefki Kuqi to score in Blackburn's 2-0 defeat in October, Davies has been pleased with his contribution so far and is keen to continue learning from the Premiership's best stoppers.
"I thought I would have had to bide my time a bit longer but felt as soon as I'd got my chance that I could stay in the side," said Davies.
"The manager from the beginning always gave me hope that, if I played and did well, he wouldn't take me out. I was confident in my ability and that I could keep myself in.
"I knew it was just a case of getting into the team which I did in my second game.
"I have made one or two lapses which I haven't been happy with - basic errors - but it's been a big learning curve for me. I'm enjoying playing and hope I can kick-on from here."
The childhood Manchester United fan idolises Red Devils star Rio Ferdinand, but has drawn inspiration from a range of figures in his progression from Wimbledon trainee to Premiership star.
"Nowadays I like Rio Ferdinand and John Terry but also the likes of Tony Adams and especially Gary Pallister and Steve Bruce because I was a Manchester United fan and with the way they worked together.
"They didn't have much pace but they were champions with Manchester United.
"There are loads of different types of defenders you can look at but at the moment I think John Terry is the best out of everyone in the Premier League."
Davies was drafted into Peter Taylor's England Under 21 squad for the culmination of their European Championship campaign, and he is keen for further international honours in the future.
"I hope I can play a part. There are some good young players like Stephen Taylor, Anton Ferdinand and Liam Ridgwell in there that I've got to compete with.
"But if I can keep playing well, and if I get a chance, then hopefully I can keep in there.
"Obviously if I keep myself in the West Brom team then I have a chance of staying in the Under 21 squads. I know if I was given a chance I'd thrive on it."


text: Win Cuddly Buddly clear Stamp sets 0 By Bill on November 14, 2014 Expired Free Stuff Win Cuddly Buddly clear Stamp sets.This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. You are providing your information to Cuddly Buddly Crafts and not to Facebook. Post expires at 11:59pm on Nov 16, 2014 Share. Twitter Facebook Google+ Pinterest LinkedIn Tumblr Email


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PETER DAVIS (b. 1953) works in watercolour, using this medium (water and pigment) to reflect the processes of nature. The resulting work gives us a fresh take on landscape paintings; simple and complex, recognisable and abstract. DAVIS says…
"Watercolour physically reflects so well the characteristics of landscape and becomes almost a microcosm of the natural world."
PETER DAVIS was born in the North of England and has migrated north since then, to Orkney in the 1980s and after this to Shetland.
"Sometimes very little is needed to capture everything. In Peter Davis's hands watercolour takes on a new power to capture the beautiful and sublime northern landscapes."
Tony Davidson, Director of Kilmorack Gallery


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Recent Blog Entries
2016 Election Analysis for LGBT Issues
Food for Thought - Legal Punch
The Art of Collecting Art - Under the Law
Thursday, November 10, 2016
Many of my LGBT clients have reached out to me in a panic wondering how the election of Donald Trump will impact their families, benefits, marriages, and other legal issues. My advice….breathe, try to relax and let's take a look at what the election MAY mean in the future.
In my opinion, the biggest issue is the future of the Supreme Court. There is one vacancy that will now be filled by President-elect Trump.Read more . . .
Monday, September 21, 2015
Monday, September 14, 2015
Monday, August 31, 2015
Monday, August 17, 2015
Monday, August 3, 2015
The No-Party Clause and Other Bumps in the Road
Everyone has questions from time to time about how to handle knotty problems that threaten to make life miserable. I get phone calls or emails from many of these people who hope that I can provide answers, or refer them on to someone who can. Some are minor issues or sad ones – and some of them are very serious. They cover a vast range of troubles that could happen to any of us. Here are a few recent questions that came up:
Question: Two friends and I get along really well, so we signed a lease on a house together. My friends threw a big party while I was out of town a couple of weeks ago, and neighbors called the police to break it up. Now the landlord has sent a letter telling us all to move out because the lease says no noisy parties are allowed. I am furious. I don't want to move. I wasn't even here for the party, so it wasn't my fault. How can I get the landlord to let me stay, even if the others have to leave?
Answer: You probably can't convince him to continue your lease. When the 3 of you leased the property together, you gave up your separate rights and became a single renter. The rights and responsibilities of each one of you are shared by all 3 of you. You may not have been personally involved in the party, but you are just as responsible for it as the other 2 are. The landlord has every right to evict all of you for breaking the terms of the lease.
Question: What should I do if I get a call from a collection agency and know I don't owe them any money?
Answer: First, do not ignore the call. Immediately, request verification of the debt in writing. Under California and federal Fair Debt Collection Practices Act rules, you must usually do so within 30 days of receiving the first notification of the debt. When you receive the validation, determine whether it is correct, and that you truly do not owe that debt. Pull together whatever proof or substantiation you can and promptly send that back to the collection agency.
Second, if the collector refuses to acknowledge your response or withdraw the claim that you owe money, protect yourself by doing the following:
1. Check your credit report to see if the debt has been reported to any of the
3 credit reporting agencies. If it has, file a dispute of the claim with each
of those agencies.
2. If the collector threatens or harasses you, file a complaint with the
California Attorney General's office and the federal Consumer Financial
Protection Bureau.
3. If the collector files suit against you to make you pay the debt, do not
ignore the notice of hearing. You have a very short period of time to
respond. If you don't file a protest, you will need to appear at the hearing,
or it is very likely the court will rule that you owe the debt.
Finally, if you must go to court, consult an attorney to make sure you have as
much proof for your position as possible, and that you understand your legal
rights under the circumstances.
Question: What can I do to make the Homeowners Association respond to my requests for repairs to my condo and our common areas? They don't answer my calls, and they don't tell us when the board meets, so I can't go to meetings to talk to them.
Answer: California has strong HOA laws that clearly spell out how these organizations
and boards of directors must operate. Each homeowner must be provided with a
copy of the covenants, conditions and restrictions (CC&Rs), bylaws and other
information when the home is purchased; and the HOA must keep these up to date at least annually. Also, an annual budget and outside audit of HOA finances must be provided to each homeowner.
A management company who handles day-to-day HOA affairs is responsible
directly to the board of directors, who are themselves elected by the
homeowners. Notice of meetings and meeting minutes must be provided. You
have the right to inspect and copy association books and records.
Most requests to the management company and the board must be in writing.
This may be one reason your calls are being ignored. Write to the manager and
the board requesting copies of meeting minutes for the past year, and meeting
schedules for the remainder of this year. In a separate letter, identify the
problems you are having in your condo and the common areas, and how you expect them to be resolved. If there is no response, attend the next board meeting, and be prepared to present your concerns in a very brief and concise way. Board meetings must allow time for homeowner participation, but the time is usually limited to 3 or 4 minutes per person.
In the meantime, discuss the situation with as many of your other HOA members
as possible. If you are having trouble with the manager and the board, it is very
likely your neighbors are too. An action plan to get the HOA's attention is often
successful when they see an uprising in their future.
If none of the above works, and repair and other problems affect daily living,
consult an attorney who is experienced with HOA issues to help decide if legal
action is needed.
Wednesday, June 10, 2015
Should your home, bank accounts or other property be held in joint tenancy with your partner or other family member? Many people comment to me that they don't need an estate planning attorney because they own all their property as Joint Tenants with Rights of Survivorship. If they die, the property will automatically belong to the other joint tenant. No need for a Will or a Trust. No need for Probate. No need for an attorney's services.
Unfortunately, life is rarely that simple. There are numerous pitfalls in joint tenancy:
* Joint property is exposed to the liabilities of either or both owners. If one
owner gets a judgment against him or her, the entire property may be taken
to satisfy that judgment. If one is a doctor, lawyer or sole proprietor of a business
in a highly litigious field, or if one is found at fault in an accident, or if one owner
has a tax lien placed against the property, this may be the worst way to hold title.
* Joint owners lose individual control over the property. For example, with real
property, one owner has no right to act alone in selling, making improvements,
or refinancing the property.
* If one joint owner becomes mentally incapacitated, the property is in legal limbo.
The owner can no longer convey legal title or sign ownership papers. This can
prevent property such as a home from being sold or rented. It usually requires
the healthy owner to go through a lengthy and expensive conservatorship
process in Probate Court.
* When property passes to another owner through joint tenancy, that property
is left outright, meaning there are no strings attached. The danger is that the
surviving owner can then leave that asset to his new partner, or anyone else he
chooses, and the first owner's share of the estate never makes it to his own
heirs. The last owner to die wins everything.
* When the first owner doesn't do any estate planning, usually the second owner
doesn't either. Although probate may be avoided at the first one's death, it will
not be avoided upon the second owner's death. In the event of simultaneous
death, all assets held in joint tenancy must go through probate since both owners
of record are no longer living.
* Even if the joint tenants do have Wills or Trusts, the surviving partner will receive
the deceased joint tenant's interest in the property, regardless of what that
owner's Will or Trust says. Wills and Trusts have no control over jointly owned
* Finally, transferring property into joint tenancy may have tax consequences. If
you place another person on your bank account or a deed as a joint tenant, you
have just given that person a gift. If the value is less than your annual gift
exemption of $14,000.00, there may be no problem. If it exceeds that figure, you
must file a gift tax return with the IRS. You may or may not owe taxes on the gift,
depending upon your financial situation.
I hope you will give the joint tenancy risks careful consideration before you try to use it as a do-it-yourself estate planning tool. For very small estates such as those having only moderate sums in a bank account and no real property, joint tenancy can work to avoid probate and smooth the transition when a joint owner passes on. For most other estates, there are various planning tools that reduce or eliminate the risks of joint tenancy, and make far more sense.
Careful estate planning and correct property titling are especially important for same-sex couples. For partners who are not married or registered as domestic partners, it is essential to maintain as much individual control over property as possible. Couples can own homes together; have joint and individual bank and investment accounts; and own other property that they share equally, without the pitfalls of joint tenancy.
Many of my clients are same-sex couples who own various assets together. Often, we find that individual Revocable Living Trusts are the best way to maintain their property and allow each partner maximum flexibility and control over their shares. Each one creates the necessary documents to control how assets will be managed if incapacity or death should occur, and this allows each partner to pass his share on to whomever he names in the Trust. Each one has a plan that covers many of the risks in life, and gives partners greater peace of mind about the future.
Wednesday, May 20, 2015
The bankruptcy rate for Americans over age 55 is soaring. This age group now accounts for over 20% of all bankruptcies filed. Some analysts estimate that for every older person who files a bankruptcy petition, there are two more seniors who should, because of their dire financial straits.
What's going on? Retirees used to be seen as financially stable, kicking back on their savings and pensions, mortgages all paid off – enjoying their golden years. But not any more. Here are some of the major reasons why so many of our older generation have hit financial hard times:
* People are living longer, making seniors a much larger percentage of the
population than in generations past.
* Retirement funds are inadequate to cover the living expenses of a longer life, and
income has gone down in recent years – hit by the recession and lack of cost of
living increases in social security and other pensions.
* Property taxes and the cost of gas and ordinary consumer goods keep going up.
* Medical expenses grow rapidly as the population ages. Medicare and other
health care insurance plans do not begin to cover all costs of medical care for
older people.
* Seniors often have to rely on credit cards to pay their routine bills, burying them
in debt they will never pay off. This group now has more credit card debt
than younger generations – debt that was often unthinkable for seniors only
10 or 20 years ago.
* Late payments on credit cards and other unsecured debts result in penalties and
a huge increase in interest rates to over 30% interest in most cases. This makes
even modest debts spiral rapidly out of control.
But wait…aren't retirees "judgment proof?" Why should seniors worry about their debts, when, in most cases, creditors can't touch their pensions or their homes during their lifetimes? If social security or IRA income each month can't be levied by a creditor, grandma or grandpa can stop stressing, right? And if a creditor puts a lien on your aging mother's home, what does it matter to her? She will continue to live there until she dies, and after that, the creditor will get the money from the sale of her house.
"Judgment proof" is not the best way to describe the financial situation of many older Americans. The term is commonly used to mean that creditors can't collect money from assets that are protected – pension, IRA, or social security income – or the home you live in, while you continue to live there. But a creditor can still file a lawsuit against you, and a court might agree that you owe the money and issue a judgment against you. So technically, virtually no one is "judgment proof."
A better term is "collection proof" – because, even if you have a judgment against you, the creditor can't collect it from your exempt assets. So if you have debts you can't pay after you retire, or even if there is a judgment against you, why should you care? Here are two very important reasons:
* Creditors are shameless and relentless. They never give up trying to get money
out of you. They call, send mail, and use every means to get your attention. To
an older person who may be in declining health, or barely able to make ends
meet every month, the constant harassment by creditors takes a heavy emotional and physical toll.
* Creditors will often get judgments against you. You must respond to the Notice
or Summons you receive from the court. If you do not take action, the court may
very well authorize a levy or a freeze on your bank account. The county sheriff
in your county is responsible for carrying out the levy, by ordering your bank to
freeze your account and/or pay the debt out of your account. Neither the sheriff
nor the bank may know that all of the funds in your account came from pensions
or other exempt income. Once a freeze is in place, it can take weeks or months
to get it reversed. In the meantime, your money is out of your reach.
Creditors can ruin a retiree's life in ways that are far worse than their effect on younger people. Seniors have few chances to go back to work to pay off debt. There is little or no prospect of their paying off their debts in their lifetime. Credit card debt, in particular, grows rapidly, as retirees pay higher interest on interest over the years. A lien on a senior's home to pay off that inflated debt after death often means there is little or nothing left to pass on to their children or grandchildren.
For retirees caught in the clutches of creditors, bankruptcy is often a good solution.
It usually wipes out credit card, medical and other unsecured debts, and makes it possible for most people to again manage their everyday living expenses within their income. A huge relief and peace of mind make a fresh start possible for seniors.
Wednesday, May 6, 2015
The Attorney General heads up the California Department of Justice (DOJ), and according to the department's mission statement, has broad responsibilities to enforce laws fairly and impartially; ensure justice, safety and liberty for everyone; encourage economic prosperity, equal opportunity and tolerance; and safeguard California's human, natural, and financial resources for this and future generations. Justice is served by helping to prevent and prosecute criminal activity, protect consumers from victimization, and promote public safety.
The Attorney General can't give specific legal advice about personal problems or represent individual Californians, but whether you realize it or not, your life is touched by many of the Attorney General's actions every day. Here are some of the major areas that are designed to support your safety, general welfare, and quality of life:
DOJ bureaus are responsible for a variety of regulatory responsibilities in the areas of narcotics, gambling, and firearms control. They carry out laws, assist other state and local law enforcement agencies, and provide education to the public. The Bureau of Investigation has wide-ranging duties including information and intelligence networks, an anti-terrorism program, and special operations units that combat violent criminals, gangs, drug and human trafficking, and fraud.
The DOJ collects, analyzes and reports crime statistics, and maintains criminal history records for use by law enforcement and other authorized agencies. An individual may request a copy of his or her own criminal record. DOJ maintains a central index for cases of child abuse throughout the state, and handles international child abduction cases together with the U.S. Department of State under the Hague Convention; and domestic child abduction cases together with the California Child Abduction Task Force.
"Megan's Law" information and locations for registered sex offenders may be accessed by applying on-line through the DOJ website. There is a searchable database for people who have gone missing, and you can subscribe to a Missing Persons Bulletin which covers children, dependent and voluntarily missing adults.
Elder abuse may become more prevalent as our aging population grows rapidly. The DOJ has responsibility for prosecuting abuses and policies that lead to neglect and poor quality of elder care in skilled nursing homes, hospitals and residential care facilities. Criminal history data is provided to employers of unlicensed persons providing in-home supportive or personal care services to dependent or elderly adults.
The DOJ handles many consumer fraud and complaint issues. Their website oag.ca.gov/programs offers detailed information about consumer concerns such as debt collectors, homeowners associations, e-crime, identity theft, loan modification fraud, antitrust issues, corporate fraud, lemon law, prescription drug monitoring, and many other problems that affect Californians.
Consumer questions and complaints may be filed with an on-line complaint form which is sent to the Attorney General's Public Inquiry Unit, and will be forwarded on to other state agencies if they are responsible for regulation of the issue.
The California Department of Consumer Affairs (DCA) regulates and issues licenses in several hundred business and professional categories. The DCA has
bureaus and boards that carry out the legal requirements for each of the specialties. All individuals and/or groups covered by these rules must apply for and be granted a license or certification to operate and practice in the state of California. You may check to see if someone has a valid license by going to www2.dca.ca.gov.
From your hair stylist, CPA, car mechanic, doctor, realtor, contractor, to your appliance repairman, pharmacist, pest control service, mental health counselor, security guard, and funeral director, all, and many more, are required to meet regulations for practice and must be licensed. The DCA handles complaints from consumers in all areas, and works together with the California Attorney General and local district attorneys to prevent and prosecute fraud in the marketplace.
Consumers are encouraged to make complaints and report problems when issues with business and professional practitioners are serious. Issues with certain businesses and practitioners might be resolved through the department's Complaint Resolution Program. For other disputes, the DCA may recommend new approaches to resolving the problems, or possibly mediation, or filing suit in small claims or civil court. File a complaint on-line at www.dca.ca.gov/online_services/complaints.
The DCA also offers important free information covering a wide range of consumer issues. There are guides for business and professional categories that are licensed, and a variety of others which offer important tips for handling concerns ranging from disasters to consumer fraud. One well-known guide is "California Tenants – A Guide to Residential Tenants' and Landlords' Rights and Responsibilities". This is an excellent
brochure, giving a clear explanation of California rules and what they mean.
Wednesday, April 22, 2015
I handle estate planning for people who have a handful of assets, tons of assets, and everything in between. Other people have serious financial problems, and I help them file bankruptcy, so they can get a fresh start. And some folks are married or registered domestic partners and need me to file for a dissolution of the relationship. Whatever your fortune or misfortune, money and other assets are usually the focus of my work. Here are some notes and suggestions that can help protect what you already have, or regain a solid footing when you need it:
Finding Money: You or a family member may have money waiting for you.
Unclaimed monies must be turned over to the state by financial institutions and
other companies. The state then must try to find the rightful owners. There is no charge to check these two official websites to search for unclaimed property:
www.Unclaimed.org www.MissingMoney.com
Be wary of companies that charge you or send "special offers" to locate funds for you. Some are legitimate, but some are not. Check the above websites first.
Finding More Money: Did someone pass away recently? Could you be the beneficiary of a life insurance policy? To get any information from insurers, you must have the authority to discuss the matter with them. You must be the executor or administrator of the decedent's estate, a member of the immediate family; or have written authorization from that person for the insurer to release information to you. You will need a certified copy of the death certificate and as much information as you can find about the policy itself. Contact the insurer's main office to see if they are permitted to talk to you as a possible beneficiary. If the death was a long time ago, it is likely that the funds have already been turned over to the state and will turn up on the websites listed above.
Marrying for Money: When you marry or register as domestic partners in California, look carefully at both of your financial situations. You each bring
separate property to the union, and can choose whether to keep all of your property separate, or co-mingle some or all of it. What you acquire after the union
will usually belong to both of you as community property. You can choose how to identify all of your property by creating a pre-marital or post-marital agreement.
Splitting Up Money: Sometimes things just don't work out. You married,
registered, or were in a committed relationship, and now you want out. Were you smart and signed that pre- or post-marital or cohabitation agreement? If you did, your path to single life should be fairly smooth. Everyone is clear on who owns what and who gets what when the relationship ends.
Forgot those agreements in the thrill of romance? Unless you both agree completely on who is entitled to all the assets and debts, your escape from the union is likely to be painful. To dissolve a marriage or registered partnership, each person must provide very detailed financial information and documents that will serve as a basis for the two of you and the court to determine what is a fair settlement of your property. If your partnership was simply a committed relationship, it is not recognized as a union in California, and you and your partner must sort things out by yourselves. A civil lawsuit could be filed to try to settle disagreements, but the process is very complex and expensive.
Erasing or Reducing Debts: Financial problems can hit any of us, any time.
Student loan debts drag many of us down. Although most of these debts can't be discharged in a bankruptcy, some can be reduced or forgiven through various programs. Get a job in public service, government or with a non-profit entity. Join the military. Apply for the Income-Based Repayment Plan. For certain student loans, become a public school teacher in a low income area. There are many other forgiveness programs that could help. Check first with your loan provider, who should be able to identify the programs that might work for you.
Housing debts are a major contributor to bankruptcies. If your mortgage is more than the value of the property and it is tough making the payments, it is possible the lender will foreclose and you will lose your home. There are several good refinancing programs available now. Check with your lender for options.
If refinancing doesn't work, and you are in genuine financial distress, consider
bankruptcy. It can often stop an imminent foreclosure, help reduce or wipe away your other debts, and make it possible for you to retain your home and start off with a clean slate.
Giving Away Money: Many folks give gifts to family members and charities. There may be tax consequences for these gifts, and it is crucial that you check with your tax professional to review these first. When choosing charitable organizations for your gifts, do careful research. Are they well-managed and are they actually accomplishing what they set out to do? Use these websites to learn:
www.CharityNavigator.org www.Guidestar.com www.MinistryWatch.com
Wednesday, April 8, 2015
The LGBT community in the U.S. has made huge gains in human rights and equality in the past few years. This brief scorecard highlights some of the major victories:
The federal government and 35 states plus Washington DC now recognize same-sex marriage
The "Don't Ask Don't Tell" policy in U.S. Military service was repealed
Laws against bullying and harassing students now exist in 49 states, with at least 18 states and DC specifically addressing sexual orientation and gender identity as protected categories
The federal 2009 Matthew Shepard and James Byrd, Jr. Hate Crimes Prevention Act specifically protects LGBT persons from violence
This is great news - these advances are awesome, and we are keeping the momentum, pushing on the legal front for marriage equality in all the remaining states, inclusion of LGBT categories in all anti-bullying laws and additional protection from hate crimes.
So where does that leave us with tolerance and equality for our LGBT community? Clearly, there is a lot of hard work ahead. How is it that a person in 2015, in the United States of America, can lose his or her job, or be disqualified from renting or buying a home, because of sexual orientation or gender identity? How can it be that LGBTQ youth are discriminated against by school teachers and school boards simply because of their diversity? How can anyone justify continuing to criminalize HIV when we now understand the disease and how to prevent or minimize it?
Let's take a look at these and other serious issues that still face us. They are the focus of individuals and organizations who hope to move us forward in this new year:
Two of the most basic human requirements – shelter and a job to earn a living - can be denied to people who aren't straight. 29 states and many federal agencies have no laws giving equal rights in housing or employment to most LGBT persons.
Federal legislation to address employment discrimination based on sexual orientation and/or gender identity has been pending for years in Congress. The current version has been watered down, and may not be the best solution at this time. Its chances of passage are unknown for this coming year.
A majority of states who don't specifically include LGBTQ youth in their anti-bullying and anti-harassment laws make it possible for a continuing culture of
cruelty, intimidation and discrimination against this group. Such youth in schools are subject to verbal and physical abuse by other students, and sometimes by teachers and other officials as well. This leads to a high rate of truancy, dropping out of school, and a distressing suicide rate. Suicide is the leading cause of death among LGBTQ youth.
It is estimated that 40% of homeless youth are LGBTQ. Forced out of their homes, with no family, friends or community support, they may enter into a foster care system which often perpetuates the harassment and victimization they faced at home or in school. Or they are forced to rely on minor crimes or sex for survival, and eventually end up in the juvenile justice system, which again offers little but discrimination and abuse.
Domestic violence is, sadly, very common in the U.S., and most experts agree that it occurs just about equally in same-sex and opposite-sex relationships. But not all states have laws or policies that provide equal protection and support for both straight and LGBT victims. And LGBT victims are much less likely to report abuse, call for assistance or receive help or support in the community. Fear of
negative attitudes and discrimination by agencies and officials; fear of exposure or outing someone; and fear of making the LGBT community look bad are some of the reasons such victims fail to report abuse, and have a difficult time escaping violent relationships.
According to Lambda Legal, 39 states have HIV-specific criminal statutes or have brought HIV-related criminal charges in the past 2 years. There were more than 80 prosecutions during that period. This organization and others are working to challenge convictions and reform existing HIV laws to reflect and support the current scientific knowledge of HIV, its prevention and treatment.
These serious issues, and many others, affect the daily lives of everyone in the LGBT community; and reflect faults in U.S. and state human rights policies that have no place in our country. Lack of tolerance and community support for any minority affects all of us. There is no positive value for our society when anyone perpetuates a culture of discrimination and harassment. It is our obligation to work toward equality in every part of our lives.
You can help by giving your voice, time and financial support to the many organizations that work hard for equality. Here are a few to consider:
Lambda Legal Equality California
Human Rights Campaign American Civil Liberties Union
Southern Poverty Law Center PFLAG
GLAAD The GLBT National Help Center
Previous Posts
Travel Forecast - Crossing the Line into a No-Comfort Zone
Can You Predict the Future? A Good Life Plan Needs Good Estate Planning
The No-Party Clause and Other Bumps in the Road
All About Joint Tenancy - Are You and Your Partner at Risk?
Are You "Judgment Proof" After You Retire?
I'm a Consumer! What has the California Attorney General's Office and the Department of Consumer Affairs Done for Me Lately?
Money Matters
Blog Categories
Estate Planning
Family Law
Blog Links
Archived Posts
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text: So I am trying to Flash the .sbf file to start over. I installed RSD Lite, installed the drivers and copied the pst_flash.ini over. It starts the flash and then gets to the status of "Switching to BP Pass" and then fails. What is going on. Right now my phone is useless.


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text: Cinnamon, fennel, star anise, cloves, and… Szechwan pepper. If these spices sound alluring, it's because they are! 😉 They are the ingredients of Chinese 5-spice blend, and I finally got around to using them in our regular oatmeal this morning. It was delicious! Chinese 5-Spice Oatmeal 4 cups thick rolled oats 8 cups water 1/3… [by Wardee Harmon]


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text: I have a secret straight from the top 1% percentile. You display more value during day game because you are approaching when it's not an institutionalized social VENUE. This is absolutely field tested and the truth. I saw a couple people in this forum who had some limiting beliefs. About not bothering girls during the day. When ironically, the fact that everyone shares those limiting beliefs, is exactly why you should approach because of the oh-shit-this-guy-has-balls factor. Some girls here have expressed a need for privacy from men who would otherwise hit on them. Lauren, for example, runs at 3 AM to avoid the hooting and hollering that she gets, constantly, whenever she goes jogging down the street. However, a LOW-value guy approaching during the night or during the day is still going to BE annoying, or creepy. Or whatever the fuck it is that drives Lauren to risk getting mugged rather than getting hit on. The sum of the parts is that you have much more to gain by approaching when most people normally would not - going back to Yail Bloor's refrain of being different from all the other guys - than you have to lose. Obviously this requires calibration.. don't read this and then go into the ladies room and find a stall in use, to do an approach. I don't like to post too many tips because I want all the glory for myself. I don't even know if I want people to follow this advice, or ignore it. It's very confusing. Some of you already know this stuff anyway... so I guess it can't hurt too much.