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Hiring the right property manager can make or break the rental investing experience.
Choosing the wrong manager can be painful and cost you thousands of dollars.
I have seen a landlord lose over $100,000 dollars because they didn't pay attention to these 5 things when hiring a property manager…
Want to know how?
Here are the five most common ways owners and investors lose money with property management.
An essential thing to be sure of upfront is that the property manager has a buttoned-up and detailed onboarding process. It could take weeks or months to get your property ready and on the market if they don't.
Every week your property is left vacant, and you're losing money.
Ask the property manager how long it will take to get your property listed and on the market. Be sure they're doing their homework and have a dialed-in system where walkthroughs and potential repairs are done quickly, so your property is on the market ASAP.
In today's world, potential residents want quick and efficient communication. They want to be able to see the property fast.
If your property manager is missing phone calls, not responding to emails, or tenants see them as "dragging their feet," applicants will move on. Potential tenants typically have a short timeline to find a new rental; if your property takes too long, they'll go elsewhere.
If your house sits vacant on the market for weeks due to a poor leasing system, that's money down the drain.
The #1 job of a property manager is to underwrite the resident.
What this means is…
✅ Thoroughly screening each tenant
✅ Checking for credit scores
✅ Background checks
✅ Verifying rental history
✅ Verifying employment and income
✅ Following local, state, and federal laws (such as the Fair Housing Act)
Here at Evernest, we understand that this step is so vital that, while most property managers hire a third party, we have our own in-house team dedicated to providing underwriting services for our clients.
Choosing the wrong tenant can cost you thousands of dollars in missed rent and/or property damage. It's the event that most landlords worry about the most.
That's why, if the property manager you're considering hiring has a very poor underwriting and screening process… run!
A poor maintenance system is the quickest way for the relationship between you and your tenant to go sour…
This is what you do NOT want.
❌ Poor communication
❌ Delays
❌ Sloppy contractors
❌ Repairs being done improperly
A resident will not stay if the maintenance is handled poorly.
That resident will only stay until their first lease is up, then leave. The cycle will continue with the next tenant, the tenant, and the next. This high turnover will create more work for you, more times when the property is vacant, and can cost you thousands and thousands of dollars.
Be sure that whoever you hire has a well-defined maintenance system with transparent communication, tracking, and documentation.
This is another easy way to sour the tenant-landlord relationship. If residents have a hard time getting ahold of someone to help, are treated rudely, or are made to feel like they're a burden, they will not want to stay on that property. They'll want to go rent from someone else who treats them better.
It's important to remember that as soon as your property is rented out, the tenant becomes the asset.
You want that tenant to stay in that property for as long as possible. The way to do that is to show them they're valuable and take good care of them. It's very important to choose a property manager that is friendly, attentive, and helpful toward residents.
That wraps up the 5 ways the wrong property manager can cost you thousands of dollars. We hope this helps you know what to watch out for when hiring a property management company so you can avoid these costly red flags.
You can start the conversation here if you want to talk to one of our property managers or inquire about our property management services.
Spencer is the VP of Marketing at Evernest. He wakes up with Google and Facebook on his mind. Having bought and sold over 150 homes in Birmingham, Spencer gets a kick out of helping new and seasoned investors navigate the mistakes he made as an investor. Spencer is also passionate about his love for Michael Jordan and does his best to explain to the Millennials (who never saw him play live) how much better he was than LeBron. He loves to hang out with his wife, kids, and the world's best black lab, Jett.


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Kerry Warns Lack of Progress in Peace Talks May Lead to Intifada
Settlement expansion sends a message that 'perhaps you're not really serious,' Kerry tells Israeli TV.
U.S. Secretary of State John Kerry on Thursday harshly criticized Israel's decision to build roughly 5,000 new housing units in East Jerusalem and other settlements, alongside the release of a group of Palestinian prisoners. Kerry said settlement expansion sends a message that "perhaps you're not really serious," during an interview which aired on Israel's Channel 2, as well as in Palestinian media.
- Kerry, Send Peace Process to UN
- Kerry: Progress Made in Peace Talks
- Peace Talk Session Ends in Row
- Kerry: Limit Illegal Settling
- Knesset Panel OKs $10m for Settlers
- This Is Not a Third Intifada
The lengthy interview was conducted by Channel 2 political correspondent Udi Segal and Palestinian journalist Maher Shalabi, and focused on the struggling peace negotiations and Kerry's efforts to prevent a total collapse in talks between Israel and the Palestinians.
Kerry denied the claims made by Israeli Prime Minister Benjamin Netanyahu, that there had been an agreement between the two sides stipulating that each wave of Palestinian prisoners released would be accompanied by settlement expansion. According to Kerry, the deal was that Israel would release Palestinian prisoners in exchange for a halt of unilateral Palestinian actions at the United Nations during the nine months of negotiating.
"Palestinian leadership made it absolutely clear they believe the settlements are illegal, they object to the settlements and they are in no way condoning the settlements, but they knew Israel would make some announcements," said Kerry.
"They knew it by they did not agree with it… there is a difference between knowing something may happen, and objecting to it," continued Kerry.
Kerry traveled to Israel to try and deal with the crisis that resulted in Israel's announcement of settlement expansion. He met twice with Netanyahu and Palestinian Authority President Mahmoud Abbas, and will meet with Netanyahu again on Friday morning before leaving the region. Kerry urged both sides to continue negotiating as per their nine-month commitment and work to resolve core issues necessary for a permanent agreement - especially borders and security arrangements.
Kerry pointed out that construction in the settlements is burdening the peace process. "Let me ask you something – how if you say you're working for peace and you want peace, and a Palestine that is a whole Palestine that belongs to the people who live there, how can you say that you're planning to build in a place that will eventually be Palestine? It sends a message that somehow perhaps you're not really serious," said Kerry during the interview.
On the other hand, Kerry acknowledged that he understands the political pressure facing Netanyahu from elements within the government that opposed a freeze in settlement construction. "Until you arrive at a peace agreement, that issue will not be settled. If you arrive at a peace agreement, everybody will understand where Israel is, and where Palestine is," said Kerry.
During the interview, Kerry rejected the possibility of a one-state solution for the two peoples, stating that such a scenario would only increase tensions and lead to a "perpetual state of conflict."
Kerry also warned that if Israel and the Palestinians do not reach a peace agreement that results in two states for two peoples, "The alternative to getting back to the talks is the potential of chaos," Kerry said. "I mean does Israel want a third Intifada?" he asked.
"If we do not resolve the issues between Palestinians and Israelis, if we do not find a way to find peace, there will be an increasing isolation of Israel, there will be an increasing campaign of delegitimization of Israel that's been taking place on an international basis," he warned.
Adding an additional warning to the Israeli public, Kerry urged making peace "with a leadership that is committed to non-violence," otherwise Israel "may wind up with leadership that is committed to violence."
"Today's status quo will not be tomorrow's, or next year's," said Kerry, referring to the Israeli public's general feeling of peace and security. "If we don't solve this issue, the Arab world and the Palestinians, neighbors, others, are going to begin again to push in a different way, and the last thing Israel wants to see is a return to violence. How does Israel survive as a Jewish state in a bi-national status? People need to stop and think about this reality"
Kerry also stated that at this point, the U.S. is not planning to present a peace plan, and stressed that the U.S. cannot force an agreement on the two sides. "We can help provide ideas… perhaps we can help to bridge the gap and the difference between them but in the end, you can't have a peace imposed by anyone. You have to have a peace that the parties agree on."
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Faces for Aug. 15, 2020
Learning Notes
The Lake Superior Reserve is pleased to announce that Molly Wick, a Ph.D. student at the University of Minnesota Duluth, has been selected as the first Margaret A. Davidson Fellow. Her funded two-year project will focus on the benefits and well-being people receive following changes in the health of the St. Louis River ecosystem.
The Margaret A. Davidson Fellowship is a competitive federal fellowship program that aims to help scientists and communities understand the coastal challenges that influence policy and management. The program places one graduate student at each of 29 National Estuarine Research Reserves. Led by the National Oceanic Atmospheric Administration (NOAA), the inaugural class launches in fall 2020.
Wick has been an ORISE research fellow at the U.S. Environmental Protection Agency's Great Lakes Toxicology and Ecology Division in Duluth, Minnesota, for the last four years. Her research focused on the ecological assessment of shallow near shore areas of the Great Lakes. Prior to that, Wick managed habitat restoration projects in the St. Louis River Estuary for the Wisconsin Department of Natural Resources. Wick earned a Bachelor of Science degree in geology from the University of Minnesota Twin Cities. In 2010, she earned a master's degree in earth and planetary science from University of New Mexico and went on to earn a second master's degree in water resource science from University of Minnesota-Duluth in 2013.
Wick will conduct research to assess how changing conditions due to habitat restoration and climate change in the St. Louis River estuary affect human well-being in neighboring communities. The research will inform how local managers plan and assess success of restoration work and adaptation to climate change.
This past March marked the 16th anniversary of the death of Rev. Arthur Foy III in a tragic car accident. In an effort to continue the important work he did here in the city of Duluth when he served as pastor of St. Mark AME church, a scholarship fund was established in his name. Each year at least one student of color from our community is awarded a $1,000 scholarship to continue their education at a post-high school institution. Rev. Foy saw education as a crucial step out of poverty and worked hard to make it more accessible for all kids.
Three scholarships were awarded this year on Aug. 8. Recipients were Lencie Westrick, Daniel Guite, and Jadan Jones.
Lencie Westrick graduated from Duluth East High School where, in addition to a full class load and a part time job at a local restaurant, she worked in the school Achievement Center and participated in numerous activities including Student Forum, Social Justice Club, and the Sterling Strings Chamber Orchestra. Lencie's academic goal was to maintain a GPA of 3.7 or higher throughout high school. She worked hard and achieved this goal; in her senior year she maintained a GPA of 4.0. In her scholarship application she wrote, "I learned that reaching a goal isn't always easy but it's very satisfying to know I did it. I learned that I am capable of achieving my goals." She plans to attend the University of Minnesota in the Twin Cities where she looks forward to being part of an educational community made up of a mix of ethnicities and cultures.
Daniel Guite graduated from Denfeld High School. While in high school he demonstrated a commitment to serve, learn, and apply his knowledge to benefit others. He participated in Key Club, Sources of Strength, and many sports activities. He is especially interested in the environment and plans to attend Mankato State University, majoring in Marketing and minoring in Environmental Studies. Daniel wrote in his scholarship application "I seek a future where I could be helping others by improving the world environment…to make a change in our communities and the world as a whole."
Jadan Jones graduated from Duluth East High School. While in school, Jadan lived on her own, working near full-time hours in addition to carrying a full-time class load. She wrote, "My high school experience wasn't entirely like any other students. Instead of support at home I had to learn to support myself and instead of joining clubs I worked jobs to make sure I had what I needed." She plans to pursue a degree in education at either the University of Wisconsin-Superior or Anoka-Ramsey Community College. She wrote that "I know I will have more struggles and more challenges, but I'm ready for them, because this time I have hope in myself and I know where I'm going and how hard I'll work to get there."
The agents and staff at Real Living Messina & Associates wanted to help support their community during this pandemic so they selected 5 organizations that they've all had some type of connection with and split up $5,500 between them. Recipients included: CHUM Food Shelf, Second Harvest Northern Lakes Food Bank, GND Development Alliance, Damiano Center and Two Harbors Food Shelf.


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Vote for Staking! Help Your Favorite Projects Launch on Pool-X
The staking economy was the most trending topic in the recent blockchain industry with a large number of promising projects utilizing PoS or hybrid PoS mechanisms emerging.
The convenience of being able to set an on-chain "native interest rate" offers the potential to provide consumers with substantial incentives without the intervention of significant physical or technological resources in compromise. Perhaps, the landmark reached so far this year is just the starting stage of the staking economy. With Ethereum starting to completely turn to Proof-of-Stake in the not-too-distant future, the blockchain space may well be pushed to cope fairly soon on staking.
As the infrastructure matures for receiving staking-related rewards and participating in DeFi, blockchain users will have more options at their fingertips to choose the products that best fit their needs. KuCoin has always been paying close attention to the development of these markets. In the exchange's hope to find hidden gems in DeFi for users, the team rolled out KuCoin Choice Community Vote (DeFi Session). Today, to contribute to the staking ecosystem as well and provide support to more PoS projects, The (KuCoin ___ Community Vote) has been launched to help select real potential crypto assets supporting (or planning on supporting) staking.
How to vote on the staking project you want to see on Pool-X?
For a detailed introduction to the rules of this event, please refer to "Come and Vote for Staking and Soft Staking!".
Activity Time: 18:15:00 on August 14, 2020 to 23:59:59 August 18, 2020 (UTC+8)
Rules for placing votes:
✅ You need to have an account on KuCoin to know your UID
✅ Answer some questions regarding the products offered by Pool-X
✅ Visit this form to cast your vote and use your power to get your favorite projects listed!
What are the incentives from voting your project?
When the project that you chose to vote for is successfully listed, the project's staking rewards (except for POL mining) will double for the first 3 days. The rewards will be given out within 14 working days of the listing. There will be three winning projects: one for Flexible Staking, one for Fixed Staking, and one for Soft Staking.
About KuCoin
KuCoin has always been a strong supporter of PoS projects and has listed several real potential staking-related assets, such as XTZ, EOS, ORN, ATOM, WAVES, LUNA, DAI, and ONION to name a few. With the emergence and rapid development of projects utilizing PoS or hybrid PoS mechanisms in the future and to further embrace the inevitable, KuCoin thought of offering a great variety of services that will simplify the staking experience for consumers.
About Soft Staking
One of the defining aspects of traditional staking is the idea of investments getting locked. KuCoin's Soft Staking allows users access to their coins at any time, creating a way for users to use tokens to earn while still being able to adapt to fluctuations in the market. With no minimum staking period, users have the opportunity to profit on their preferences. The ROI for the Soft Staking projects will be an annualized return rate based on each project individually. Not the most impressive of returns in comparison with some of the other staking projects currently available, but in combination with the freedom provided is a compelling prospect.
About Pool-X
For solving the pain points of staking, KuCoin has been trying to provide solutions all the time like its previous Soft Staking. Meanwhile, to maintain a smooth withdrawal process, the exchange platform cannot stake all users' assets. To stimulate the future development of the PoS ecosystem and prevail over the difficulties, Pool-X has entered the scene. However, it goes beyond just a solution to such a dilemma. Established as a means to facilitate the development of the staking market as a whole, Pool-X is a free market for staked assets, aiming to create an ecosystem that will solve the liquidity dilemma of staked assets. At present, Pool-X is providing services for over 300,000 users from 167 countries/regions.


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Good sleep isn't just about the number of hours you get each night. Some studies suggest the quality of your sleep might be more important for your wellbeing. But what exactly is good quality sleep? And how can you get more of it?
Good sleep isn't just about the number of hours you get each night. Some studies suggest the quality of your sleep might be more important for your wellbeing. But what exactly is good quality sleep? And how can you get more of it?
It turns out your sleep cycles are key. A sleep cycle is made up of 4 different stages of sleep. You need to pass through 4 to 6 of these cycles in the night to get the quality of sleep that restores and repairs your body and mind.
In each sleep cycle, you go into deeper levels of sleep and then rise up at the other side, before going into your next cycle. When you come closer to the surface between each one, you may or may not wake up briefly. The first 3 cycles are non-REM (rapid eye movement) sleep, which scientists usually call NREM sleep. The stages get deeper until the final stage, REM sleep.
Find useful information on other areas of getting good sleep with our
Different things happen in the different sleep stages so disruption to any of them can affect your wellbeing. Scientists think missing out on deep and REM sleep is most damaging to your health, as these stages are when your body and brain are repaired. Research suggests the problems with thinking, emotions and physical health linked with poor sleep are mainly to do with lack of deep and REM sleep.
Experts sometimes talk about 'sleep architecture', which means the overall structure of your sleep. When you have healthy sleep architecture, you go through the right number of cycles and spend enough time in each of the different stages. Get it nailed and you're likely to feel more refreshed and energised during the day.
Most sleep science says there are 4 stages of sleep. But some experts include the stage when you're awake and moving towards sleep as another stage, making 5 altogether - so we've added it in here too.
In this phase, you're just beginning to move towards sleep. The alpha brainwaves linked to restfulness start to take over.
This is the light sleep you have when you first fall asleep. You also go back to it briefly in each sleep cycle through the night. You can be woken up very easily in N1 sleep.
- what are the benefits? Your body and brain activity start to slow to prepare you for the next stage
- how long does it last? Just a few minutes in each cycle. It makes up around 5% of total sleep
In the second NREM phase, your muscles relax, breathing and heart rate slow and your temperature drops.
This is when your body's at its most relaxed. You won't wake up very easily from deep sleep. Even loud noises, like thunder, might not wake you. If you do wake up from N3 sleep, you're likely to feel disorientated. Studies show you might feel groggy for 30 minutes to 1 hour if you wake up from this deep sleep phase.
REM sleep is named after the very fast eye movement that goes on behind closed lids in this phase. You go into it when you've been asleep for about 90 minutes. When scientists look at brain activity in REM sleep, it looks similar to what's seen when you're awake. This phase is when you have the most vivid dreams. But your muscles are paralysed – apart from the ones involved in breathing and eye movement. That's so you don't move around and hurt yourself while you're dreaming. Your breathing becomes irregular.
Start with
There are several things that can affect your sleep cycle and how long you spend in the important later sleep stages. So tackling some of these key issues can help you get better quality sleep:
If you're always tired during the day, see your doctor – even if you think you're sleeping for a full 8 hours, it may be that you're not getting into the later sleep stages that restore you, whether that's because of an underlying condition or something else. Your doctor can help you work it out.
'If your morning alarm goes off when you're in the middle of a sleep cycle, you're likely to feel groggy and keep hitting the snooze button. So some people have tried to find ways to make sure they only wake up after a full cycle. One way is a DIY sleep cycle hack - you count back 90 minutes (the length of a typical cycle) from when you need to wake up and set your alarm to go off at that time, then set a second alarm for the time you really need to get up. The theory is that setting the first alarm lets you go back to sleep for a full cycle before the 'real' alarm goes off, so you wake feeling refreshed. You can also get trackers that give you information on your sleep, based on how much you're moving around, so you can programme them to wake you when you seem to be in a light sleep phase. But there's no research behind DIY sleep cycle hacking and trackers aren't accurate enough to pinpoint different sleep stages, though may show you some general patterns that give you information about your sleep and what might be affecting it. The best ways to hack your sleep cycles are the tried and tested ones - make sure you've got your sleep hygiene sorted and have a regular sleeping and waking routine. If you're concerned about sleep problems, you should always talk to your doctor.'
Want more tips on how to sleep like a baby? Try out our 28-day
Important: Our website provides useful information but is not a substitute for medical advice. You should always seek the advice of your doctor when making decisions about your health.


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Year-over-year restaurant sales up, says Statistics Canada
By Canadian PizzaNews food sales foodservice sales restaurant sales
Ottawa – Sales were up by more than a percentage point at full-service restaurants and down slightly at limited-service restaurants, but both have increased healthily year over year, according to Statistics Canada's latest report.
Sales in food service and at drinking places were up 0.7% to $5.8 billion in February, the report said. Sales increased at full-service restaurants (+1.5%), drinking places (+1.8%) and special food services (+0.3%). Sales at limited-service restaurants edged down 0.1%.
Higher sales were reported in eight provinces. Ontario (+0.8%), Quebec (+1.7%) and British Columbia (+1.0%) posted the largest increases in February. Sales in Alberta (-1.2%) and Manitoba (-0.3%) decreased.
The figures in this section are based on unadjusted (that is, not seasonally adjusted) estimates.
Unadjusted year-over-year sales were up in the food services and drinking places subsector, increasing 4.5% in February 2018 compared with February 2017.
Prices for food purchased from restaurants were up 4.0% and prices for alcoholic beverages served in licensed establishments increased 2.2% in the same period.
The Consumer Price Index increase in food purchased from restaurants was the highest year-over-year increase since 2009.
Year-over-year sales
Sales in each of the following industry groups increased: full-service restaurants (+5.8%), limited service restaurants (+3.5%), special food services (+3.8%) and drinking places (+1.1%). Sales increased in most of the provinces, with the largest gains in dollar terms seen in Ontario (+5.3%), British Columbia (+9.6%) and Quebec (+3.1%).
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Monty 26" Metal Table Lamp
Save 0%
At nuLOOM, we believe that room accents and art should not be mutually exclusive.
Enrich the look of any tabletop with this beautifully crafted contemporary table lamp. The 26-inch tall torch shaped base will fit easily onto your table, desk, or nightstand. A simple fabric drum shade pops on the top of this lamp easily, creating a balanced look with diffused light.
- Style: Modern/Contemporary
- Base Material: Metal, Marble
- Shade Material: 80% Cotton, 20% Polyester
- Base Dimensions: 15" H x 5.25" W x 5.25" D
- Shade Dimensions: 10" H x 15" W x 15" D
- Origin: China
- This table lamp is perfect for a side or end table to illuminate your living room, bedroom, dining room, kitchen, or entryway
- A fabric shade spreads gentle light adding a cozy atmosphere to any space in your home
- Wattage: One 9W
- BulbType: 9W Type A LED
- Switch: On-Off Socket
- Cord Length: 60"
- Bulb Included
WARNING: This product can expose you to chemicals including lead and DEHP, which are known to the State of California to cause cancer and reproductive harm. For more information go to www.P65Warnings.ca.gov.


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Several Atlanta Braves prospects could reach majors in 2016
The Atlanta Braves' plans revolve around the future, so much so that multiple seasons were sacrificed for the sake of a winning product around 2018.
While that product is still in the manufacturing stage in the minor leagues, Braves fans should start seeing the first fruits of Atlanta's rebuilding labor after the All-Star break in July and into August and September.
The Braves have already called up prospects to get their feet wet in the major leagues during the losing period, such asAaron Blair andMallex Smith. Blair projects as a mid-rotation starter and is showing signs of it early, while Smith could settle as a low-end everyday center fielder or fourth outfielder.
Next in line could be right-handerTyrell Jenkins, a 23-year-old acquired from the St. Louis Cardinals who posted a 3.19 ERA between Triple-A Gwinnett and Double-A Mississippi last year. He has a 3.03 ERA through seven starts and 38? innings for Gwinnett in 2016.
There has long been the hope that Jenkins would fill out his projection as an ultra-athletic starter with a dynamic fastball and curveball. While his stuff doesn't disappoint, he struggles with command at times, and his strikeout totals don't match his sharp pitches.
Whether Jenkins hits his ceiling as a No. 4 starter or settles as a reliever remains to be seen. The Braves have developed him as a starter in the upper levels with good numbers, but his command must take a step forward to avoid short starts in the majors.
Right-handerLucas Sims is in a similar situation as Jenkins. His future role remains up in the air, but the Braves are seeing good results as a starter for now, and that could get him to the majors soon.
Sims has made strides since midseason 2015 to shore up command inconsistencies. That has helped produce starts like April 28 for Gwinnett when he struck out a career-high 11 with one run allowed in seven innings.
The 22-year-old still has bouts of wildness by falling out of sync in his delivery and throwing hittable pitches in the zone or walking several. Like Jenkins, there's no denying the quality stuff, with a fastball up to 96 mph as a starter and a devastating curveball.
The two key prospects Braves fans should be most excited about areDansby Swanson andOzzie Albies, and both could reach Atlanta after the break.
The Braves aggressively assigned Albies to Gwinnett at 19 years old recently, and Swanson was moved to Mississippi at the same time. They represent Atlanta's future at shortstop and second base, and the first taste could come soon.
Right-handerChris Ellis and third basemanRio Ruiz are two more who could see major league time by the end of the season, but neither should make an impact right away.
Ellis profiles as a back-end starter or reliever who has a 1.71 ERA in seven starts at Mississippi. Ruiz started hot at Gwinnett and is hitting .274 with nine extra-base hits in 34 games.


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Goodhale 760 Guillotine (£3500 + VAT)
This machine features light beam guards and is 3-phase electrics. What you will find with this guillotine is a sturdy, reliable, able to cope machine. We sell many Goodhale Guillotines and get nothing but good reviews. The 760mm width creates so much possibility! Get in touch today to discuss the Goodhale 760 Guillotine. Max paper cut width: 760mm. Max Pile height: 90mm. Max Depth (back table) : 770mm. If you require installation we can supply one of our experienced engineering team to do this for you at extra cost. The item "Goodhale 760 Guillotine (£3500 + VAT)" is in sale since Wednesday, April 4, 2018. This item is in the category "Business, Office & Industrial\Printing & Graphic Arts\Binding & Finishing Equipment". The seller is "printandfinishgroup" and is located in Morecambe. This item can be shipped worldwide.


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Dr. Woodard defiantly informs Julia that he would rather die than become a loathsome thing such as Barnabas.
Sam and Burke suspect that Dr. Woodard was murdered although the coroner rules otherwise.
Julia spies on Barnabas as he tries to become closer to Victoria and cause a wedge between her and Burke.
Sarah warns David that a disaster will happen soon. David is distraught over Burke's trip to Brazil.


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The Bachelor of Arts in Psychology degree prepares students for professional graduate studies in psychology and social service support positions in clinical and institutional settings.
Next Start Date
March 13, 2023
Class Type
100% Online, 7-Week Terms, Asynchronous
A degree in psychology is one of the most sought after undergraduate degrees with a large range of career options. Students choose from a variety of electives to tailor the program to their own professional interests. This degree opens the door for significant, lasting, and meaningful service to Christ through service to humanity.
Cairn University is committed to the centrality of Christ and the Word of God which is reflected in the curriculum and instruction. At Cairn, faith and truth do matter. We teach our students accordingly, challenge you to think deeply on these things, and strive to make you ready to serve Christ in the church, society, and the world as biblically minded men and women who not only give assent to truth but think and live in light of it.
There's quite a bit of talk these days about the cost of higher education and the question of value. Many assume that you can't have both value and affordability, so they settle for lesser options or assume that the costliest options must have the most value. But when Cairn talks about walking a different path, value is no exception. It's possible to get a college education that is both affordable and valuable.
The Cairn mission statement begins with education and ends with character because we believe that education should change not only what you know, but who you are and what you do. Faculty members understand that education involves more than the transfer of ideas, but also the giving of themselves to teach, train, and inspire their students both in and out of class.
Community is about more than simply taking classes together. It's more than having a similar experience. Community is powerful, instructive, encouraging, and biblical. And at Cairn, community is intentional. It's attended to closely be an outworking of the University's biblical commitment and understanding that in Christ, we are one.
Complete coursework anywhere, anytime, through our asynchronous course design, reinforced by substantive faculty engagement. It's the same courses, the same degree, the same faculty as the onsite program.
Our online courses are taught by faculty who not only have successful experience in the field of psychology but are committed to your professional and spiritual growth. Students don't just have professors, they have mentors who invest in them throughout the program and often remain connected long after graduation.
Simple, flat $425* per credit rate or ~12K per year. Why spend 30K+ per year when you can complete your degree for much less while you work?
*Applies to undergraduate online programs for the 2022–2024 academic years.
Scholarships, veterans benefits, federal grants and loans, and discounts are available to Cairn Online students. Please refer to this page for details.
The B.A. in Psychology program has been designed with input from our expert faculty in the School of Liberal Arts and Sciences, ensuring you graduate with the in-demand skills and knowledge that the ministry and workplace needs. The program requires 66 credits from the University Core, 37 credits from the specialization courses, 18 credits from electives. View a sample curriculum sheet for a snapshot of the courses you will take.
The core curriculum (66 credits) is a collection of courses common to all majors that sharpen students' intellectual skills, help them critically engage with new ideas, guide them to articulate biblical perspectives on cultural forces, events, and ideas, and compel them to display virtues that are consistent with biblical teaching. The list of courses along with the course descriptions are available from this page.
PSY 121 – Psychology as a Profession and Practice
A course introducing students to historical and emerging areas in applied psychology in preparation for careers in psychology and related fields.
PSY 221 – Social Psychology
A course designed to introduce students to the study of human social influence and interaction through an overview of the principal theories in social psychology.
PSY 231 – Research Methods
An introduction to psychological research techniques and methodology. Students develop skills in conducting, analyzing, and evaluating adequate psychological research. Special attention is given to accurately reading and interpreting popular media and academic research in psychology.
PSY 321 – Human Development
A study of human growth and development in the biological, cognitive, affective, and social domains. Emphasis is placed on the impact culture and socioeconomic status have on human growth and development.
PSY 324 – Cognitive Psychology
A course designed to introduce students to basic theoretical models and current issues in the field of cognitive psychology. This course explores the research methodologies and theoretical frameworks used to study cognitive abilities.
PSY 341 – Theories of Personality, Social, and Emotional Development or PSY 421 – Abnormal Psychology
PSY 341: A review of major theories and models of personality development, social development, and emotional development, including their applications, research methods, and assessment instruments. This course examines the impact of empirical research on these theories within a historical framework.
PSY 421: An examination of historical perspectives, principles of clinical diagnosis, possible causes of behavior, and classical schools of therapy.
PSY 351 – Biological Foundations of Behavior
An introduction to research and perspectives on the interrelations of the brain, the mind, and behavior. A study of the brain and its anatomical and functional organization provides context for studying the origins of behavioral neuroscience.
PSY 422 – Theological Integration in Psychology and Psychotherapy
A course evaluating basic approaches to the relationship between Christianity and psychology, with special emphasis on models of psychotherapy.
PSY 491 – Senior Seminar
A culminating course for Psychology majors that leads to a general synthesis of and specific research in the field of study.
Psychology/Counseling Electives Credits: 9
The tuition for post-secondary education has become expensive in general. However, Cairn Online programs rank amongst the most affordable online bachelor's and master's programs. While the tuition costs vary by program level, the rate is typically $425 per credit or 12K per year for A.A. and B.S. programs and $300-$725 per credit for graduate programs.
The current tuition rates are available from this page. Scholarships and financial aid are also available.
Currently there are over 6 million online learners in the United States, and those numbers are growing every day. Online degrees that have regional accreditation are held to the same standards as traditional universities, ensuring that students earn a valuable degree that will prepare them with the skills and credentials for their career. Do research to find an online degree that is accredited and reputable, such as those offered at Cairn University.
Cairn Online courses based on Cairn's 100+ years tradition of excellence in biblical education. Our on faculty has carefully designed them taking into consideration what works best for the online learner. The modular design and asynchronous delivery enable you to complete your studies while you pursue your career, ministry and spend time with your family.
Courses typically contain seven units and are delivered in 7-week terms*. Each unit contains 5-7 modular activities. Each learning activity includes instructional videos accompanied by reflections, quizzes, discussion forums and other assessments. Courses also utilize adaptive learning technologies such as Cerego for long-term retention of concepts and VoiceThread for enhanced collaboration.
The asynchronous delivery provides flexibility around your daily busy schedule. In most courses, interactive activities are typically due by Wednesday while the rest of the unit's work is due by Sunday night. The MBA, M.A. in Music and Criminal Justice programs use the 7RD2 process and require the completion of certain activities daily to optimize learning.
Our own Cairn faculty intentionally participate in the course throughout the week to provide you with an incarnational experience.
*Few capstone courses are intentionally offered in 14 weeks to optimize student learning.
A.A. programs usually take 2 years and B.S. and B.A. programs typically take 3-4 years to complete.
Graduate programs vary in length by program. As an example, Cairn's traditional MBA typically takes 20 months to complete but then there is also the accelerated One-Year MBA that you can complete in 12 months.
If you are looking to complete your program sooner, you can consider taking more 7-week courses at a time.
All courses are developed by one or more course developers and taught by our own faculty. The instructors are also intentionally involved in the course throughout the week by providing direction in the course activities, participating in the forum discussions, grading the student work and providing substantive feedback. Most courses also offer optional office hours weekly via Zoom or similar video conferencing tools.
Our instructional design team works very closely with the course developers and carefully plans the courses to balance the technology requirements. Most courses use the eLearning platform for hosting the course materials, Panopto for video capture and storage, VoiceThread for enhanced discussion forums, and Cerego for adaptive learning. Zoom is used at times for virtual office hours. These sessions are optional.
Except for the Hebrew and Greek language courses for the B.S. in Biblical Studies program, typically there are no required meeting times for the completing the course activities.
The course transfer depends on where you are transferring from, and what program you are transferring to. If you are coming to Cairn Online from another institution, it is very likely you will have some credits that will transfer. Because there are so many options, we encourage you to talk to an enrollment counselor. If you are transferring out, Cairn is a regionally accredited school and some credits should transfer with relative ease. Each college sets their own transfer criteria, so be sure to check their policies for specifics.
Cairn Online offers a variety of options for prior learning and experience. You can receive up to 6 credits for prior learning for graduate programs. At the discretion of the program advisor, three to six credits for prior learning (CPL) can be awarded for students with extensive background in areas addressed by specific courses. Additionally, advance standing may be granted for Bible or theology credits earned at an accredited Bible college, Christian liberal arts college or university, or seminary. Credits will be granted on a course by course basis.
Cairn is approved to offer financial aid because of its regional accreditation. There are many options available and typically students qualify for at least one type of federal aid. Many students receive scholarships and grants that make earning their degree even more affordable. Cairn offers a variety of scholarships and discounts in addition to options for loans and grants. Please refer to this page for details.
The requirements depend on the program you are considering. Please refer to this page for details.
Required Credits: 121
Cairn Online has been approved to participate in the National Council for State Authorization Reciprocity Agreements (NC-SARA), which regionally oversees postsecondary online education.


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President Clinton signed into law the Rehabilitation Act Amendments
(Section 508) in August 1998. Section 508 compels public agencies
to provide Web content, including eLearning products, that comply
with the requirements of the act. To accomplish accessible courseware
design, faculty members and instructional designers must increase
their understanding of Section 508 requirements as they relate
to online course development. Faculty and staff also must develop
an awareness of and compassion for the disabilities that affect
a student's ability to learn in an online environment. This WebQuest
will take you on a tour of Section 508 and the different disabilities
with which students may be dealing. You will also develop skills
for locating Section 508 resources on the Internet.
Please continue with the Tasks.


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Man to stand trial in strangulation of 10-month-old girl
Associated Press
SAGINAW — A man will stand trial in connection with the strangling of his fiancé's 10-month-old daughter in a Saginaw-area motel.
Saginaw County Circuit Court records show Michael Lask on Wednesday withdrew his plea to second-degree murder due to being mentally ill.
Read more:
Saginaw man pleads guilty to strangling 10-month-old
A June 12 status conference hearing has been set. Lask originally was charged with open murder.
Ciana Leigh McCliggott was strangled in March 2016 in Thomas Township. Lask has said he strangled the girl until she stopped crying.
Lask was temporarily living with his fiancé and several children at the motel.


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- All the Questions
Pills for ADHD
What are the laws of taking pills [for ADHD] on shabbos? Can you please explain why.
Shalom, The laws of taking medicines on Shabbat are found in the Shulchan Aruch (Orach Haim, 328), and you can find a good English overview of these laws in the work Shmirat Shabbat KeHilchatah (notably chapter 34). In general we can separate the law into several categories. Firstly, in cases of life-threatening situations not only are medicines allowed, but anything that is needed to save the life is warranted. So, for example, one must drive such a person to hospital etc, even though it involves a Torah prohibition. Next is the case of people who are sick, but not in a life-threatening situation, like someone bedridden with a bad cold or serious migraine attack. In such cases, medicines may be taken, as there is no Torah law prohibiting the taking of medicines that were made before Shabbat - one is not cooking the medicine, grinding the plants to extract the drug, or doing anything that is forbidden on Shabbat. One is merely swallowing the tablet. The third case involves people who are not bedriddden, but feel "under the weather" ("michushim" in Hebrew). Here, the Rabbis made a decree to ban the taking of medicine, as they were concerned that it may lead to the grinding of plants to make the drugs. [It is interesting to point out that there is no prohibition of grinding products that were already ground once before. This being so, in cases where one is allowed to take medicines - such as a bedridden person - one may grind the pill up, as our pills were already ground in the manufacturing process]. The Rabbis only banned medicines in this case, and not with a seriously sick person, as they did not want their decrees to cause undue hardship. This being said, we need to examine the question of medicine for someone with ADHD - attention deficit hyperactivity disorder. There are several reasons why it seems to me that taking these medicines is permitted. Firstly, someone who has started on a course of pills before Shabbat may continue to take them even on Shabbat (see Shmirat Shabbat KeHilchatah, 34, 17). Secondly, it is not clear that someone with ADHD is considered at all "sick" or "under the weather". See for example Shmirat Shabbat KeHilchatah (ibid 19) that birth control pills are not forbidden, and the footnote there (in the Hebrew edition) explains that only cases where someone is in physical pain or weakness is forbidden to take medicines. It could be that they have the law of a healthy person, in which case the taking of medicines is the subject of debate (see the Shulchan Aruch ibid, 37, and the Mishna Brurah 120). Even those generally strict on this question (ie. the Ashkenazim) could take the lenient opinion as an extra reason for leniency, together with the other reasons I cite. Thirdly, the medicines for ADHD that exist today do not cure the condition - they merely treat the symptoms of hyperactivity and lack of ability to concentrate. It would seem that the Rabbis only forbade medicines that bring about a cure. (See Yalkut Yosef 328,52). Lastly, there is much discussion about the extent to which this rabbinic decree is still in force today when the underlying reasoning for it (ie that one may be led to grind the plants to make the medicine) does not seem to apply any more. (See the Tzitz Eliezer, volume 8, 15, 15 for a lengthy discussion of this issue). Even though all the modern day poskim hold that we do apply this decree, there is room to take the lenient rulings together with long-term medications such as in the case of ADHD. Blessings.


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Credit and Finance for MSMEs: After the RBI earlier this month made it mandatory for banks to link new floating-rate loans to.
Bank Mortgage Rates Chart Bankrate – Compare mortgage, refinance, insurance, CD rates – Bankrate regularly surveys large lenders in all 50 states to determine average rates and help you find the best deal.
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Fixed-rate loans are a great option if you want a monthly payment that won't change. A fixed interest rate means your rate stays the same for the life of the loan – so your payment will only change if your taxes or insurance premiums do. Many of our clients opt for 30- or 15-year fixed-rate loans. The Lowest Rate
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30 Year Mortgage Rate History Daily That had been offset by historically low mortgage rates, but rates began rising steadily a year ago. While still low by historical standards, the average rate on a 30-year home loan was 4.51 percent.
Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount, 1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower.


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When the government runs out of crimes to charge against the people, the tyrants simply secretly pass a number of civil statutes that carry severe sanctions (against which the accused has virtually no defenses or Constitutional protections), and then process the accused in a largely invisible civil 'justice' system (orchestrated by government thugs and assassins) that is designed to lead to the imprisonment or death of the accused.
-Former FBI Agent, Attorney Geral Sosbee
Here are two related reports which expose the nature of the psychological and counterintelligence operations run against government whistleblowers, journalists and human rights activists.
The first is written by former FBI agent/attorney Geral Sosbee, my best friend and most trusted ally for the past 20 years. He, more than any person I have ever known, understands the reality of being targeted by the government of the country he served with honor, and the thankless task of working to expose and stop the evildoers, to defend Liberty and to see Justice served.
The second report is one I wrote in 2018, which contains references to the case of Geral Sosbee and which further explicates the tactics used to neutralize a Target of these nefarious operations.
I decided to republish these reports as a result of discussions I had with a few Christian friends with whom I am working, and whom I had asked to pray for me, in my distress and heartbreak, caused by being a Target of these operations, and especially because of the lack of understanding and support I receive from some of the people closest to me, who apparently cannot see the truth about what is happening, and why. As typical as this is (as all genuine whistleblowers will know) it doesn't reduce the pain and only exacerbates the situation, which is exactly what the perpetrators intend, for the purpose of isolating the individual and alienating him/her from all sources of support.
I have given up expecting people to understand, it is evidently an exercise in futility. I can only pray God will give them a love of the truth, not only for my sake, but for theirs.
A few last notes: These reports may be of little interest to those who are looking for NEW material, who consider what is covered here as "old news". From my perspective, I don't concern myself with what is "new". I don't run a "news" site. My concern is only with what is TRUE. What is true does not change, nor is determined by what is trendy, sensationalist, or appeals to the current popular culture. It is simply for the public record, and, as always, the readers may make of it what they will.
And for those who may be wondering, Percival is not a pseudonym, but rather my family name, which I sometimes used in older reports, which is why it appears here as Barbara Hartwell Percival.
Lastly, the banners of Geral Sosbee and Barbara Hartwell are courtesy of FBI whistleblower, Bob Levin.
Barbara Hartwell
February 25, 2021
To Correct the Inhumane CJS
By Geral Sosbee
Here is summary of my insights into the current so-called Criminal Justice System which in effect is a criminal enterprise spearheaded by the supreme thugs in American society, the fbi, and is perpetuated by government institutions and colleges.
the pervasive thinking inherent in the USA's criminal Justice
System (CJS) and related institutions
present here a few more observations on my theory regarding the
'State vs. Individual' with regard to 1) alleged crimes or
offenses by the individual and 2) actual crimes against the
individual by the State.
current CJS wherein the State or federal authority overwhelms the
accused is a behemoth of horrors. The mere accusation itself is
enclosed in an institutional setting that is grossly prejudiced
against the innocent accused, while favoring the accusing authority
with procedural mandates from the inception of the charges continuing
often for the life of the accused.
all instances of charging or accusing someone of a crime or an
offense, the State benefits by feeding new victims of the CJS into
its massive and immoral and largely political regime. See my reports
of crimes by U.S. Senator John Cornyn.
the rampant crime spree by fbi and police are encouraged by ever
expanding and widely accepted sting operations against innocent or
confused persons. See my report on sting and entrapment exercises by
the State.
The underlying
problem with the current, politically motivated, accusatory process
is that rumor, innuendo and half- truths (cherry picked) ultimately
and wrongly brings disaster to the accused and rewards to the
accusers (fbi, police, prosecutors, judges).
So, the thinking itself must be changed in order to not self -perpetuate the very activity that we pretend to abhor. In this regard the government displays a kind of conspiracy against all of society.
ANATOMY OF A CONSPIRACY: A Tactical Analysis
Additionally, the current, secret global program of 'State vs. Individuals' clearly exemplifies the crimes by State officials that I describe in many of my papers at Academia.edu.
For specific atrocities committed by fbi against me and other political Targets see my paper at Academia.edu on, "What Would You Do, If?".
In regards to charges brought in public and often in secret by the State, the entire structure and underlying objective inherent in the State's power to destroy lives must be overhauled.
Currently, the State uses corrupt authority in the police/Fbi and in the general community to accuse someone publicly or in secret of an offense. The individual cannot generally accuse the State of a crime because accusations are almost always the exclusive domain of the State. This protocol is particularly egregious in State action against political Targets and against others who simply make *intellectual mistakes.
Today, the massive State apparatus
(for bringing charges of offenses against the community) is a monstrosity out of control. The State even expands their power to accuse people by a fbi sponsored "New, Unheralded, Illegal Quasi Criminal Justice System Forged By fbi" (Academia. Edu). This fbi program is an abomination that allows fbi et al. to torture, maim and murder/assassinate our people. See my reports on how the entire federal judiciary is now a party to and principal in the fbi's unconscionable crime spree which is unprecedented in human affairs:
In another paper at Academy.edu I suggest a way to convert modern, corrupt prosecutorial thinking into an humane and transparently honest method to address errors against the community.
Note the long and painful history of our current structure for processing the accused and see another report here by Randall G. Shelden at:
I maintain that no rewards be offered to anyone for manufacturing a case against any person.
In my experience as a Special Agent with fbi I discovered
how fbi agents receive different kinds of benefits (including money)
for fabricating a criminal case against an innocent person. See the
Rodriguez case:
Finally, any fbi agent who 'blows a whistle' on illegal fbi or police operations is abruptly and irreversibly processed in yet another inhumane system referred to as 'counter intelligence and psychological operations' designed to imprison, force suicide or kill the whistleblower and others. All manner of fbi atrocities are heaped on the Target in these covert maneuvers, including attempted murder and attacks with DEW & ELF weaponry.
The biggest obstacle in the reformation of corrupt government is that prevailing thoughts are not easily modified, especially (in the case of the CJS) where colleges and universities tout their "splendid" academic programs which in effect control the minds of the students and practitioners in that decadent field of study. All such CJS and police training programs should introduce my papers as required reading.
Thank you.
Geral Sosbee, JD
ANATOMY OF A CONSPIRACY: A Tactical Analysis
By Barbara Hartwell
"Hell is empty and all the devils are here."
– William Shakespeare, The Tempest
This report addresses phenomena which are, in large measure, considered as "conspiracy theories", rather than as actual events, involving very real conspiracies.
to perpetrate all manner of evil deeds, each by an organized group of
persons, against a designated Target or Targets, individually or
be more specific, my focus here is on conspiracies which target
individuals, or designated groups of individuals, for the following:
persecution; stalking; sex crimes (rape and/or pornography);
defamation (libel, slander, false light, injurious
exploitation/appropriation of name/images); invasions of privacy;
criminal menacing/death threats; physical assault; intentional
infliction of emotional distress; blackmail/extortion; attempted
murder (either by an acute attack or 'slow kill' incrementally).
In my analysis, I will reference two separate articles which address some of these issues. I should make it clear up front that there is no connection between these websites or authors (not that I have seen), and that I chose each one because the name of Barbara Hartwell was included therein, either by the writer and/or by those commenting on the article. In one article, the name of my friend/professional colleague Geral Sosbee appears as well.
my regular readers will know, my reports are based on actual events
and name the names of real people (individuals or groups). I have
been accused, repeatedly and continually of "attacking" the
persons whose names have been exposed; of spreading "disinformation";
of being a "character assassin"; of running a "libel site",
etc. etc. And most often, I am called a "CIA disinfo agent".
my observations, the accusers fall into one or more of these
categories: criminals (especially government agents/officials and
their minions), attempting to cover up their crimes against persons;
aggressive/ambitious persons who have tried to latch on, or horn in
on my professional work, and/or exploit my name for a self-serving
agenda; busybodies who lack all respect for privacy, personal
boundaries and unalienable rights of the individual (in this case,
more issue: I do not run an "interactive" website. I do not host
a platform, nor provide a venue for airing the opinions of every Tom,
Dick and Harry who comes down the pike, or who has an axe to grind.
Nor do I participate in the pervasive free-for-all Internet culture
of social media (Facebook, Twitter, etc.) I do not join discussion
groups, nor do I respond to the writings/broadcasts of others in a
section reserved for "comments". I do not engage in personal
arguments or debates with others, be they my detractors/adversaries,
or otherwise. In
cases where someone has used my name in their broadcasts and/or
articles, my policy is to address the issues in my own reports. Just
as I am doing here.
first article comes from a site called THE PSYCHOLOGY OF CONSPIRACY
This article was authored by one Mike Wood.
psychology of gang stalking, and the difference between conspiracy
theory and delusion
Here, some excerpts copied from the opening paragraphs.
"If you've spent enough time on the Internet, or read the New York Times yesterday [link removed] you might have come across the phenomenon of gang stalking – the alleged stalking of particular individuals by organized groups. It might seem like gang stalking is a sort of conspiracy theory, and that we can maybe understand it in the same way that we think about things like the 9/11 Truth Movement and beliefs in UFO coverups. I'm not sure about this. There are some pretty major psychological differences between the two. It's probably not helpful to conflate run-of-the-mill conspiracy theories, which are not considered to be an indicator of psychopathology, with gang stalking, which is widely considered to be the product of delusional thinking.
In gang stalking [link removed] large gangs of perpetrators will (allegedly) use subtle methods of manipulation and harassment – muttering hurtful phrases or insults while passing their target on the street, repeatedly driving past the target's house, preventing them from sleeping by making loud noises at odd hours, and so on. Many people who claim to be victims of gang stalking (search YouTube for a reasonably representative sample) allege more exotic stalking methods – in particular, "electronic harassment," the use of advanced technology to torture, annoy, or even control the mind of the target from afar.
If you think this sounds pretty far-fetched, you're not wrong. Stalking is real, of course – there's no denying that. And there are situations where multiple people participate in bullying or even stalking – often close friends or family members. But "gang stalking" – the type that involves muttered insults, dozens of strangers working together, electronic harrassment, secret hand signals – is not really an accepted thing. In fact, suspicions of gang stalking are considered to be markers of delusional disorders like paranoid schizophrenia."
I will start by stating that my professional background is in counterintelligence and psychological operations, which include a wide range of disciplines.
am not a "psychologist" (as a term protected under licensing); I
am trained in psychoanalysis, in intelligence analysis (both of which
include profiling) and as a Christian minister (ordained 1979),
specializing in pastoral counseling.
relevant, I have been a designated Target of counterintelligence
operations and psy war, especially by CIA and to a lesser extent FBI
(as well as other domestic and foreign entities), for more years than
I care to remember, but which, unfortunately, I cannot possibly
have investigated numerous cases of persons who were/are targeted for
what is known as a neutralization campaign, over a course of more
than three (3) decades. Most of the cases involved former military,
law enforcement, and intelligence professionals. But there were also
others, including journalists, activists, dissidents and especially,
among them all, Christians.
I have written extensively on these topics, my reports published on the Internet since 1995, and my websites online since 2000.
So, when I see an article such as this one, by Mike Wood, which offers a theory, such as, that Targets of persecution (in this case, labeled as "gang stalking", a common term, but one I do not like, or use), may be "delusional", that some form of psychopathology (such as schizophrenia) may be responsible for the "beliefs" of the Targets, I will state, for the record, that such a theory is only that, a theory.
A theory with very sinister connotations. Labeling a person who has been targeted for persecution (of any kind) as "delusional" is an attempt to negate, to invalidate, to discredit, and ultimately, to blame the victim. And so it follows, if the victim is responsible for what is visited upon him, then the perpetrators cannot be held accountable. Because, according to the would-be "debunkers" (including, but not limited to the adherents of conventional psychology) no such perpetrators exist. No, it is all in the unbalanced psyche of the Target.
of us who have actually studied these phenomena, in real time, in the
field, (not at a remove, in some theoretical, academic environment)
as well as those who have personally experienced them, will be in no
doubt of their horrific reality.
there is the fact that a significant part of the purpose of these
harassment campaigns against individuals is to attempt to induce
neurosis, even psychosis, through the constant or intermittent
stressors and trauma (psychological and/or physical) heaped upon the
Target. Aside from all the other damages, they hope to "drive the
Target crazy".
even if they don't succeed in that objective, they may well have
achieved another: That at least some of the people close to the
Target, family, friends, associates, colleagues, hearing some of the
"implausible", even bizarre stories related to the Target's
experiences, will view that person as "paranoid" or "delusional".
After all, they think, such things could not possibly be happening.
so, the Target may end up ostracized, even by those from whom he/she
believed there should have been a reasonable expectation of concern
and support.
I've stated many times in my reports, the perps of these campaigns
aim to drive the Target into a state of affairs in which he suffers
isolation, alienation, deprivation. (CIA psy ops protocols.)
often finds himself alone, poverty-stricken, chronically ill,
abandoned and/or betrayed by friends, family and colleagues. He is
marginalized, discredited, invalidated.
No delusions, no paranoia, except that falsely attributed to the Target by those perpetrating the crimes, and those who, in their lack of understanding, fail to see the brutal truth.
Now, an item from the "comments" section of the website by one "PFA Beacon". That seems like a screen name, rather than an actual name, the usual device of anonymous cowards hiding their identities.
"Mike- in the spirit of enlightenment, I would like you to revisit this post, and have a look at some of the glitterati amongst the disinfo crowd in the organized gang stalking community.
Here's one of the classic "gang stalking" spats that broke out between several former intelligence agents from the FBI and the CIA from around 2007, Barbara Hartwell, James F. Marino, and Geral Sosbee (who sued the FBI at one point for gang stalking)
These agents use the organized stalking discourse to communicate and cross communicate data. Part of disinformation operations is the flip side- to gain information, or to relay information in coded language. Another part is attempts to vindicate themselves after a discrediting narrative has been run about them, and more.
Odd, but true. Have a read, and try no to laugh. But it is a real thing that can and does involve mental illness, but also feigned mental illness, and sometimes, mental illness as a result of contradictory signals, or intelligence quandries, similar to Bateson's porpoises experiment which created 'schizophrenic symptoms' in a double bind simulation."
This character, Mr. Beacon (as I will refer to him) makes one false statement after another, beginning by referring to Barbara Hartwell and Geral Sosbee as
glitterati amongst the disinfo
crowd in the organized gang stalking community."
Here, he is apparently parroting the party-line widely disseminated, since circa 2000, a plot spawned by the late FBI Chief/COINTELPRO Kingpin Ted Gunderson et al, to label Barbara Hartwell as a "CIA disinfo agent". And repeated ad infinitum, ad nauseam by the hordes of ignorant, malicious government stooges ever since.
the record, I am not, nor have ever been, part of any "organized
gang stalking community" in any way, shape or form. I don't use the
term "gangstalking", since I find it inaccurate. Nor have I ever
participated in, nor been affiliated with any such "community". I
am not a member of any organizations or groups connected to these
classic "gang stalking" spats that broke out between several
former intelligence agents from the FBI and the CIA from around 2007,
Barbara Hartwell, James F. Marino, and Geral Sosbee (who sued the FBI
at one point for gang stalking)"
Mr. Beacon now brings in the name of one James F. Marino, and lumps it in with Barbara Hartwell and Geral Sosbee, as if there were any commonalities, which in fact, there are not.
James F. Marino is not a "former intelligence agent". Marino, in fact, is merely one of a number of government stooges who tried to latch on to Sosbee and Hartwell, to ride our coattails in attempts to gain credibility for his own claims of being a target of a "FBI COINTELPRO sting operation" .
Marino is a name-dropper and gate-crasher, who was shamelessly
exploiting the names of Sosbee and Hartwell, and promoting a plethora
of false information in the process. These characters are a dime a
dozen, but in Marino's case, he was extremely aggressive and refused
to back off when he was told to stop promoting false information, to
stop exploiting our names.
then, predictably, began to libel us on his website, accusing us of
all sorts of dastardly deeds, including (you guessed it) of being
government disinfo agents.
were no "spats" involved. Only one aggressor (Marino) engaging in
offenses against two legitimate persons (Sosbee and Hartwell) in
attempts to discredit us. And his libelous falsehoods against Sosbee
and Hartwell remain online to this day.
Mr. Beacon claims that Geral Sosbee "sued the FBI for gangstalking". Since I have a copy of the WRIT (which is posted on Sosbee's website), I can say that this is an inaccurate statement, but beyond that I won't presume to speak for Geral. Anyone who wants the facts of the case may easily find them on the website, Sosbee v. FBI.
"These agents use the organized stalking discourse to communicate and cross communicate data. Part of disinformation operations is the flip side- to gain information, or to relay information in coded language. Another part is attempts to vindicate themselves after a discrediting narrative has been run about them, and more."
I think that maybe, Mr. Beacon has been reading some grade B spy novels. He does not know whereof he speaks, but continues with the "disinformation" theme, promoting it AS IF this is established fact, and AS IF he is some sort of expert on these operations.
"Odd, but true. Have a read, and try no to laugh. But it is a real thing that can and does involve mental illness, but also feigned mental illness, and sometimes, mental illness as a result of contradictory signals, or intelligence quandries, similar to Bateson's porpoises experiment which created 'schizophrenic symptoms' in a double bind simulation."
Now, he attempts to ridicule us ("try not to laugh"), bringing in the old standby, used to discredit legitimate expositors of counterintelligence operations, "mental illness".
But who is this character, really? What is the source of his "information"? Why all the technical jargon, with no references, no connection whatsoever to the individuals he is trying to discredit?
is Mr. Beacon's real name? Whoever he is, he has failed to establish
any facts, and presents no evidence for his claims. Case closed.
Now, the author of the article, Mike Wood responds to Mr. Beacon.
Mike Wood:
"I'm not really sure what to make of that post. Marino said something about remote satellite neural monitoring (which anyone who has experience in imaging would tell you is pretty ridiculous, because it's hard enough to do reasonable brain imaging when you've got someone sitting in a damn fMRI machine) but most of it isn't really gangstalking-related. It seems like a chapter in a weird ongoing internet slapfight that doesn't make a lot of sense without knowing the people involved."
Well, here we go again...with an accusation of a "weird internet slapfight".
before I address Mr. Wood's comments (at least he uses what appears
to be his real name) I advise anyone who is interested in reading my
report on James F. Marino to view it here:
The link given in the comments is from an old website (2006-2010) where I no longer post, though I have left it online for reference purposes.
won't bother repeating myself in regard to James F. Marino. Those
interested may also find other reports exposing him on this website.
I do take issue with Mr. Wood's statement about the existence of
remote neural monitoring. Marino's claims (most of which in my
opinion are not credible) aside, this technology does exist. Look it
up (NOT on Marino's site), especially in connection to a lawsuit
filed by John St. Clair Akwei re NSA.
speaking strictly for myself, no, Mr. Wood does not know me, nor
anything at all about me. He is free to believe what he will, and
promote his theories about delusions, paranoia, schizophrenia, though
I can't imagine that anyone who is informed on these issues would buy
into his doctrinaire biases.
Next up, another article, this one named as a "book review", by one Anita Dalton, on a website called Odd Things Considered
Anita Dalton
Franklin Cover-Up: Child Abuse, Satanism, and Murder in
Author: John W. DeCamp
of Book: Non-fiction, conspiracy theory, Satanic Panic, politics
Again, you may read the entire article (link above), but my focus is once again on the use of the name Barbara Hartwell, in connection with the principals, Ted Gunderson and John DeCamp, as well as Ms. Dalton's opinions on some of the issues addressed in DeCamp's book, The Franklin Cover-up.
some excerpts from the book review and the comments section, all by
Anita Dalton:
is mine, BH.]
boy. This is some excellent conspiracy theory, in that it is
amazingly insane and involved. On one level, I actually believe about
1/8th of this book. The rest is just so whacked and beyond the realm
of reason but with just enough grains of truth here and there that
you can't help but get sucked in.
book has it all, for the seasoned conspiratologist. It has Satanic
Panic, with cabals of Satanists killing children, burning their
bodies and grinding up their bones and teeth. It has a ring of
pedophiles all the way up to the White House, flying out kids from
Nebraska for sexual purposes. It makes reference to militias,
Oklahoma City, the Montana Seven, the Monarch Project, Bohemian
Grove, the Gosch kidnapping (but no Jeff Gannon, alas – perhaps
DeCamp will issue a new edition?)...
on the most basic level, there is a kernel that can be believed in
this book, though like I said, 7/8 of it, if not more, should be
was it a surprise to find the unpleasant, sticky presence of Ted
Gunderson, former FBI agent, in this book. The man believes in
Satanic Panic to this day, but he also believes all kinds of bizarre
things, as I will discuss in a moment. He is either a loon or crazy
like a fox and either way, he is dangerous. He
is also lawsuit happy, suing people whom he thinks slander him,
including people who have clear screws loose and should be pitied
rather than sued. (Google Ted Gunderson and the name Barbara Hartwell
and just marvel at the sadness of it all.) I can say without
any hesitation that his investigative presence in the Johnny Gosch
kidnapping (and sadly, as most believe, murder) has kept the
vulnerable Noreen Gosch in a realm where she will believe anything as
long as it means her son is alive. It has made her prey to con men
and people who torment her.
dream of seeing Gunderson in a whacked-theory cage match with someone
– I just can't think of whom I would inflict Ted on. Art Bell has
already won an out of court settlement against him for calling him a
child molester so it will have to be someone else (and since it was
an out of court settlement with a gag order, there are no firm facts
and all the information out there comes from sources that I would
rather not link to, lest I become overrun with avid true believers
from the whole rainbow spectrum of conspiracy, and if you think I'm
to this day believes the McMartin preschool molestation/Satanic
ritual abuse case happened and has been a force behind sending
innocent people to prison. He is wicked, nasty and preys on the
unstable and it's not entirely logical for me to say that I
automatically believe the opposite of anything he has to say, but
that's actually close to the truth.
How is L. Ron Hubbard a Satanist? And how come you associate
Satanists with power. I don't know any with power. Anton LaVey had
little, Aquino less, and current Satanists all work wage slave jobs.
Not to disrespect a way of thinking I find bizarre (as an atheist,
Satanism makes less sense to me than Christianity, but never mind),
but it seems that Glenn Danzig is the most powerful Satanist around
and he denies being a Satanist and has memes made about him taking
care of his cats. I just don't see the menace of Satanists."
I'll start with Ms. Dalton's characterization of Barbara Hartwell:
"people who have clear screws loose and should be pitied rather than sued. (Google Ted Gunderson and the name Barbara Hartwell and just marvel at the sadness of it all.)"
Dalton believes Barbara Hartwell has "clear screws loose" and
that I should be "pitied". I wonder, on what does she base this
opinion? How does she presume to know anything that would cause her
to slur my name in this smug, arrogant and condescending manner?
aside from the fact that she is glaringly ignorant about the issues
she addresses, such as child sex-trafficking, satanic ritual abuse,
even the practice of satanism itself, it appears she is attempting to
discredit the very existence of these things on which she
"Gunderson to this day believes the McMartin preschool molestation/Satanic ritual abuse case happened..."
And how, pray tell, would Ms. Dalton know, one way or another, whether or not it "happened"?
she know anyone connected to the case? Has she conducted her own
investigation of the case? Since she never cites as much as one
reference or source to back up her claims, she is merely engaging in
it happens, I knew Ted Gunderson very well, and worked with him for
three years. I also know Jackie McGauley, the principal whistleblower
in the case, a journalist and the mother of one of the children who
suffered the satanic ritual abuse by the predators.
also know, from multiple sources (including McGauley) that Ted
Gunderson was not the person who "investigated" the case; he only
swooped in to try to take over the case, and then used it on his
"resume" for years, for bragging rights.
have a number of reports on this website which relate to the McMartin
case. I don't claim to be an expert on the case, I did not personally
investigate it. But I do know credible sources who were involved, and
who are armed with the facts.
holds true for the so-called "Franklin Cover-up". It was, in
fact, a double coverup, a coverup of a coverup. John DeCamp himself
was a pedophile, a fact of which Ted Gunderson was well aware, and
who admitted this to me in 1999, when I informed him that I had this
information, from multiple trustworthy sources.
I exposed this information publicly (beginning in 2003), DeCamp was
the one who threatened to sue me, mounting a libel campaign
extravaganza in electronic media in 2005. He never followed through
on the threat.
according to Ms. Dalton, I should be "pitied rather than sued".
Dalton states:
on the most basic level, there is a kernel that can be believed in
this book, though like I said, 7/8 of it, if not more, should be
she pulls a fraction out of thin air, that "7/8 of it, if not more,
should be dismissed."
indeed, just one of those whacky conspiracy theories, which "should
be" dismissed.
because, without presenting any credible sources, no evidence,
operating on a total lack of knowledge, Ms. Dalton says so.
consider this statement:
how come you associate Satanists with power. I don't know any with
power. Anton LaVey had little, Aquino less, and current Satanists all
work wage slave jobs. Not to disrespect a way of thinking I find
bizarre (as an atheist, Satanism makes less sense to me than
Christianity, but never mind), but it seems that Glenn Danzig is the
most powerful Satanist around and he denies being a Satanist and has
memes made about him taking care of his cats. I just don't see the
menace of Satanists."
Ms. Dalton says she is an atheist. That might explain (though maybe not) why she dismisses the idea that there is any menace from Satanists.
how would she know how much "power" to attribute to the various
satanists she names?
she does not believe in God and perhaps as a corollary, she does not
believe in Satan.
can only say that in my opinion Ms. Dalton has been greatly deceived;
that she thinks she knows far more than she does; and that what she
thinks she knows is based on speculation, erroneous assumptions, and
probably on buying into some very well-crafted disinformation, meant
to discredit legitimate sources who have exposed the very real
horrors of child sex trafficking/pornography; the epidemic of
satanism, which has reached unprecedented proportions, worldwide and
which is drawing in millions, especially through the heavy
metal/devil worship culture.
does not exist? His minions don't really exist and have no power to
wreak havoc and destroy the lives of innocent children?
telling that to the victims, the countless children abducted every
year, to be used as sex slaves, and then merely disposed of. Tell it
to those who are kept in cages, who have experienced the worst of the
worst soul-shattering evil, from which they can never completely
recover, even if they live to tell their stories. Tell it to the
parents and the families whose lives have been ruined in the wake of
these devastating crimes.
summary, I ask the readers to please seriously consider the topics
covered here; if you are not concerned about them, you should be,
even if only for the sake of your children and grandchildren.
allow self-proclaimed 'experts' or pontificating pundits, to
determine your beliefs.
who would have you believe, Oh that? That's just a whacky conspiracy
theory. Pay it no mind.
After all, it is clear that those who talk about such things are delusional, paranoid, mentally ill, they have a few screws loose....
this at your own risk, because mark my words, it will eventually
involve you, your family and loved ones, one way or another, whether
you think so, or not.
Barbara Hartwell Percival
March 3, 2018


text:
HOLLYWOOD film executives have visited the possible site of a Scottish film studio and are excited about its potential, a leading producer has revealed.
A recent visit by executives from the heart of the film industry in Los Angeles recently visited the studios of Outlander, the TV series currently being made in Scotland, in Cumbernauld, North Lanarkshire.
They also took the chance to look at the potential of the nearby site of the former OKI printer plant site, which is said to be the location being assessed for a film studio by Scottish Enterprise and the Scottish Government.
Iain Smith, the Scottish producer of films such as Seven Years in Tibet, Children of Men, Wanted, Cold Mountain, the TV series 24 and the new Mad Max movie, Fury Road - which premieres in Los Angeles next week - said the power-brokers had been impressed by what they saw.
The 200,000 square feet building is a few hundred metres from the studio where Outlander is being made.
The 13.8 acre site at the Wardpark Industrial Estate is also close to the M80.
Mr Smith, originally from Glasgow, and currently chairman of the British Film Commission (BFC), believes a film studio will be built and Scotland could benefit from having two, as well as the Outlander facility.
Scottish Enterprise and the Scottish Government have not yet confirmed the Cumbernauld site or whether a publicly-backed plan is possible.
However, yesterday, Mr Smith said: "I think a studio will be built, I think we will.
"There is room for two studios, as well as what is happening with Outlander in Cumbernauld.
"We have the talent here, but we need the infrastructure and the economic mechanisms to support that.
"Talent development is an important part of having a studio, in a way the studio will be a Trojan horse to invest in all these things.
"The location of Cumbernauld is good. The producers from LA were very impressed."
Mr Smith yesterday visited the University of the West of Scotland's (UWS) campus in Ayr, talking to students about his role as a producer of big-budget movies as well as his role in several key film institutions and bodies.
UWS is planning on launching a new Master's Degree in filmmaking in September.
It will be the first course of its kind to be offered in the west of Scotland - UWS will deliver the MA at its new screening and seminar space in Film City Glasgow, in Govan, as well as at its £81 million Ayr campus.
Mr Smith said that the most important thing for a Scottish student studying film and wanting to succeed in the film business was "talent."
But he also said in his career he had carefully plotted every move in a business which does not often offer people second chances if they are deemed to fail.
"You need talent and originality - but I would say Hollywood is more accessible than it has ever been," he said.
"It had always been seen as this fortress, but I would say you can always get a first meeting there, it is the second that is much harder.
"The first is the easiest because Hollywood is always looking for the new thing."
Mad Max: Fury Road is directed by George Miller and stars Tom Hardy as Max, as well as Charlize Theron, Nicholas Hoult and Zoe Kravitz.
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text:
So I need to upgrade my class B to a class A and both Roehl and CFI have offered to accept me into their schools. CFI will be OTR for 2-3 weeks out and Roehl has regional runs available being home on the weekends. Also Roehl pays you during training. The big question that I have, Is Roehl worth it? I've seen some bad reviews of them and I am hesitant to go with them. Any feedback would be greatly appreciated!
Usually refers to a driver hauling freight within one particular region of the country. You might be in the "Southeast Regional Division" or "Midwest Regional". Regional route drivers often get home on the weekends which is one of the main appeals for this type of route.
OTR driving normally means you'll be hauling freight to various customers throughout your company's hauling region. It often entails being gone from home for two to three weeks at a time.
Welcome. Both companies are top notch. I started at Roehl 7 years ago. I have nothing but good things to say of my experiences with them. Several other members got their start there also.
Pick the one that fits your needs the best.
I am on my last week of Roehl's GYCDL program in Gary, IN.
My experience has been overwhelming positive.
I am very glad I chose to come to Roehl.
A CDL is required to drive any of the following vehicles:
Great news!!! What I have been learning is that it has to do with attitude. We have seen students go to Roehl who complained about everything!!! We knew right away they would fail at trucking. Others who are flexible and adapt do great.
It is usually more about the person than the company. Good luck
Thank you for helping me make that final decision! I know the only time people Go out of their way to put reviews online are when they are negative. So I wanted some real world people to chime in. Thank you!
Your attitude will determine your success in this business. I have been more than happy with CFI. You will be paid while out with your trainer and they cover all other costs, transportation, room and food during school.
You can't go wrong with either company. Although I might be a LITTLE biased towards CFI.
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text:
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text:
Marriage ceremony of Bakhtawar Bhutto Zardari daughter of Former Prime Minister Shaheed Benazir Bhutto and former President Asif Ali Zardari with Mehmood Chaudhary son of Chaudhary Muhammad was arranged on 29 Jan 2021. The function was arranged at Bilawal House Karachi.
Marriage celebrations were started on 24 Jan 2021 with Mehfil-e-Milad. Prayers were offered for the happiest life of Bakhtawar Bhutto Zardari during Milad. During the milad event Faryal Talpur, her other aunts and important lady politicians of Pakistan People Party were present.
Mehndi Celebrations of Bakhtawar Bhutto Zardari were arranged on 27 January 2020 at Karachi. Bakhtawar Bhutto applied beautiful henna on the Ajrak design her hands. Mendi was applied by an artist Kalsoom.
Nikah ceremony of the couple was arranged at Bilawal House Karachi on 29 Jan 2021. The nikah of was recited Moulana Ghulam Saho. Mehmood Chaudhary Husband of Bakhtawar Bhutto arrived at Bilawal House with over than 20 vehicles.
Walima is arranged on 30 January 2021 at Bilawal House. Senior politicians, citizens, businesspersons and seniors personalities of defence forces are invited.
Party workers of Pakistan People Party have also arranged a function at Kikri ground, Lyari, Karachi on 30 January 2021 at night.
Asif Ali Zardari has gifted her daughter Bakhtwar Bhutto Zardari a newly constructed house in a portion of Bilawal House. Bilawal will takeover the part of Bilawal House, where Asif Ali Zardari and Shaheed Benazir Bhutto had lived. House of Asifa Bhutto Zardari is under construction.
Mehmood Chaudhary is son of Muhammad Younas Chaudhary and Begum Suriya Chaudhary. The family is actual living of Lahore and currently settled in Dubai.
Bakhtawar Bhutto Zardari holds Masters degree in English from University of Edinburgh. She is education enthusiast and actively workings for (SZABIST) Shaheed Zulfiqar Ali Bhutto Institute of Science and Technology. She played a significant role for establishment of Stem Cell Research Laboratory at Karachi campus.
Bilawal Bhutto Zardari has suspended his political activities due to jubilant event of his family. He shared a picture on twitter with a sweet message. He said that it was happiest moment in many years to see his sister getting married. He said that he felt like her mother was watching over them on this joyful moment.
Their eldest sister Asifa Bhutto Zardari wished the couple for life time happiness.
It is highlighted that engagement ceremony of the couple was arranged on 27 November 2020.