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Services Newsletter
Issue 2 of 2012: April
Hong Kong Court of Final Appeal to hear Tiger Asia case
Payments of dividends out of capital
Regulation of ILAS in Hong Kong
On 23 February 2012, Hong Kong's Court of Appeal overturned the Court of First Instance's decision to strike out proceedings against Tiger Asia Management LLC (Tiger Asia) and its officers (together the Tiger Asia Parties) and gave the Hong Kong Securities and Futures Commission (SFC) authority to pursue sanctions against Tiger Asia.
By way of background, the SFC commenced proceedings in August 2009 under section 213 of the Securities and Futures Ordinance (SFO) against the Tiger Asia Parties, seeking remedial orders and an injunction in relation to allegations that the Tiger Asia Parties had contravened certain insider dealing and market manipulation prohibitions under the SFO. Among other things, the SFC had for the first time sought orders to prohibit Tiger Asia from dealing in all listed securities and derivatives in Hong Kong. In the Court of First Instance, the Tiger Asia Parties argued that the court had no jurisdiction under section 213 to make findings that Tiger Asia had contravened the SFO without a pre-existing criminal conviction or determination by the Market Misconduct Tribunal (MMT). The SFC, however, argued that section 213 was a free-standing remedy, not subject to decisions by either the criminal courts or the MMT. The Court of First Instance ruled in favour of Tiger Asia. In overturning the decision, the Court of Appeal noted that section 213 "...provides valuable tools to the Commission to protect the investing public which is an important objective of the SFO..." and " ...much needed ammunition to the Commission to protect investors."
The Court of Appeal's decision has significant ramifications as it substantially broadens the SFC's existing powers. Section 213 proceedings can now be commenced before and independent of any criminal or MMT proceedings against an alleged offender. The decision increases the options available to the SFC to obtain wide-ranging relief from the Court of First Instance, particularly in situations where an alleged offender is located overseas. This decision confirms that the SFC can bypass criminal or MMT proceedings and apply directly for section 213 orders which include relief against parties irrespective of their location (while retaining the option to bring a criminal prosecution at a later stage), and in doing so, creates a significant deterrent to those who contravene the SFO.
On 18 April 2012, the Court of Appeal granted leave for the Tiger Asia Parties to take their case to the Court of Final Appeal.
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Payments of dividends out of capital
by Alwyn Li (firstname.lastname@example.com)
In recent authorisation applications to the Hong Kong Securities and Futures Commission (SFC) in respect of funds which allow payments of dividends to be made out of capital, the SFC has requested the following additional disclosures to be covered in the offering documents:
In addition to the above, the SFC has requested the management company submit an undertaking that all future marketing materials for the fund will adhere to these disclosure requirements.
Similar requests have also been made by the SFC in relation to applications for funds which allow other payments (e.g. management fees) out of capital.
The SFC has not issued any policy updates or other publications on why the above requests are currently being sought. However, we understand that under the SFC's Handbook for Unit Trusts and Mutual Funds, the SFC has the power to request for disclosure of such information as it considers necessary for investors to be able to make an informed decision of the investment.
The concept of payments of dividends out of capital was in the past prohibited by some regulators in overseas jurisdictions. The Central Bank of Ireland (Central Bank) lifted its prohibition in February 2012 - Irish authorised retail funds, including UCITS, may pay dividends out of capital provided that they comply with the various disclosure requirements.
By way of historical background, the Central Bank's prohibition on retail funds paying dividends out of capital was due to concerns for investor protection, in that retail investors may not be aware of the potential for capital erosion and the danger that returns which include distributions out of capital may mislead investors. However, due to the fact that many countries across the globe have aging populations, there is now increasing investor demand for investment products that can provide a consistent flow of income with a certain tolerance for a stable decline in the net asset value. In light of this, the Central Bank has recently determined that rather than an outright prohibition, its concerns for payments of dividends out of capital can be addressed by means of enhanced disclosures.
The SFC's approach is in line with that of the Central Bank and is a reflection of the SFC's efforts in seeking to strike a balance between investor demands and investor protection.
Regulation of ILAS in Hong Kong
by Eve Leung (email@example.com)
Under the Hong Kong regulatory regime, investment-linked assurance schemes (ILAS), which are also commonly known as "unit-linked insurance policies", and their investment options must seek authorisation from the Securities and Futures Commission (SFC) prior to being offered to retail investors in Hong Kong. ILAS issuers, being insurance companies, are under the prudential regulation of the Insurance Authority. The SFC is involved in the regulation of ILAS only to the extent that certain ILAS documents may need to be authorised by the SFC prior to their issuance in Hong Kong. ILAS offering documents must comply with the disclosure requirements in the SFC's Code on Investment-linked Assurance Schemes (ILAS Code).
Under the ILAS Code, an authorised ILAS must issue an offering document which includes a Product Key Facts Statement (KFS), and a personalised Illustration Document based on the prescribed format on the SFC's website. The KFS must describe the ILAS, but does not need to cover details of the underlying investment options. The Illustration Document must show, among other things, the encashment values if investors surrender the policy prior to maturity. ILAS advertisements must be pre-vetted by the SFC and comply with the Advertising Guidelines.
When applying for SFC authorisation, an Application Form, Information Checklist and the KFS Checklist should be completed. These forms and checklists are available from the SFC's website. In general, applications of new ILAS and new investment options are subject to application fees. A fee waiver may be granted by the SFC for an investment option if it is linked to an SFC-authorised retail fund.
An ILAS may contain more than one investment option. Some ILAS offer investment options linked to SFC-authorised funds as well as other portfolios that are internally managed by the insurance company on a discretionary basis. However, we understand that recently the SFC has only authorised investment options linked to SFC-authorised funds. Issuers who intend to offer an ILAS scheme with an "open architecture", i.e. an ILAS with an open platform of investment choices which can be linked to any authorised retail funds or other asset classes (e.g. bonds), should consult the SFC prior to making an application.
SFC announces temporary break in annual licensing fees
by Jane McBride (email@example.com) and
Lavita Pong (firstname.lastname@example.com)
The SFC announced on 26 March 2012 that annual licensing fees will be waived for two years from 1 April 2012 for all licensed corporations and registered institutions (i.e. banks). The waiver will cover fees payable for firms as well as their licensed individuals. The waiver applies to annual licensing fees but not to licensing application fees or transfer fees.
According to the SFC, the objective is to relieve the regulatory cost burden on the securities and futures industry because market conditions are considered difficult.
Based on figures submitted to the Legislative Council Panel on Financial Affairs relating to the SFC's 2011-12 budget, the SFC's reserves increased by 40% from HK$4,820 million as at December 2008 to HK$6,743 million as at December 2010. The public voiced various ideas as to what the SFC should do to reduce the surplus. The SFC subsequently announced it is considering purchasing its own premises, a move taken by the Hong Kong Monetary Authority several years ago.
The SFC previously granted a one-year waiver of annual licensing fees in February 2009 and mentioned difficult market conditions as one of the reasons at the time. With the 2009 waiver, there was some confusion in the market as to how the fees would be pro-rated. For the current scheme, all annual licensing fees that become payable between 1 April 2012 and 31 March 2014 will be waived and fees payable before or after these dates will not be waived. There are no pro-rating arrangements.
Japan: confidential information and intellectual property rights in the workplace
by Daisuke Morimoto (email@example.com) and
Stephen D. Bohrer (email@example.com) of Nishimura & Asahi
Many companies in Japan rely on side agreements with employees concerning the protection of confidential information and the assignment of intellectual property rights. Such provisions should dovetail with the protections afforded under a company's work rules. Failure to do so could expose an employer to significant losses.
A company in Japan that employs ten or more persons is required to prepare work rules that specify the conditions of employment. Japanese labor laws provide a non-exhaustive list of matters that should be dealt with in the work rules, such as working hours, rates of pay, vacation policies and dismissal procedures. The work rules should address all material employment conditions. So long as the work rules are "reasonable" and the employees have been informed of them, they should form the basis of the employment terms and conditions for all employees. Japanese employment agreements with rank-and-file workers are often abbreviated documents, as most of the core employment provisions are incorporated by reference to the work rules.
What is the legal effect of confidentiality and intellectual property assignment provisions in a negotiated employment contract if the company's work rules are silent on the topic, or conflict with the negotiated terms, or contain more relaxed provisions? The answer is not clear. Japanese scholars argue that where there is discrepancy between the two documents, the work rules will prevail if they are more favorable to the employee, in accordance with Article 12 of the Labor Contract Act. There are a number of counter-arguments an employer could consider, however it is prudent for a company with valuable confidential information or intellectual property to maintain broad protection provisions in its work rules, and to seek legal advice if negotiated terms deviate from those rules.
Recent Deacons' publications
China IP Bulletin - May 2012
Hong Kong IP Bulletin - May 2012
Litigation & Dispute Resolution Newsletter, Issue 2 of 2012: April
SEC revised "accredited investor" definition
Human Resources and Pensions Newsletter, Issue 2012.1
New requirements for disclosure of short positions in Hong Kong listed shares
Please click here to view or download this publication.
Whilst every effort has been made
to ensure the accuracy of this publication, it is for general
guidance only and should not be treated as a substitute for
specific advice.


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Visitation will be today, Oct. 3, 2012, from 6 to 9 p.m. at Collins-Burke Funeral Home Parlor. Funeral services will be at 11 a.m. on Thursday, Oct. 4, 2012, at Collins-Burke Funeral Home Chapel. Burial will follow at Studdards Crossroads in Fayette. Ronald Sanders will officiate.
She was preceded in death by her father, Vester Macon Herron; and brothers, Donnie Eugene Herron and Johnny Ray Herron.
She is survived by her mother, Agnes Marnee Herron of Jasper; sons, Mark Allen Herron (Sheila Robinson Herron) of Bessemer and Tony Lynn Tubbs (Jennifer Nix) of Jasper; sister, Shirlee Herron Sullivan of Curry; brothers, H.B. "Rayford" Herron and Jasper, Ricky Wayne Herron of Jasper and Wilburn Ganus Herron of Jasper; and granddaughter, Madison Nicole Tubbs.
Pallbearers will be Ben Hartley, Rayford Herron Jr., Scott Herron, Jerry Jenkins, Bart Manuel and Frankie Miller.
Collins-Burke Funeral Home, Jasper; 205-384-5571

subset: commoncrawl


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7 Bed Luxury Villa in Davenport
- bedrooms 7
- baths 4½
- sleeps 16
- pool yes
- hot tub yes
- pets allowed no
- type Villa
- community Aviana Resort
rates (USD)
/ night
$ 1,050 - $ 1,900 / week
$ 2,750 - $ 5,000 / month
vacation rental description
Luxurious Seven Bedroomed Villa. Large decking area, 2 master suites, 2 double beds, 2 twins and one large bunk room.
Huge lounge, with vast TV & play station. dining kitchen, separate front lounge with formal dining area.
Fully equipped games room with air hockey, football table & pool table.
Our home was modelled internally by an interior design company, and has a cool cosmopolitan feel.
Lots of room by the pool and cushion seating for 14 people
vacation rental location
property availability
- dates with deals
- unavailable dates
Last modified on 01-11-2014 at 11:18 AM.
email owner view full calendar
neil ainsworth 44 1254 699111
villa rental amenities
Gated community with Wi-Fi clubhouse, gym, computer room, putting green, spa and large pool.
Childrens play area and volleyball court.
Large lake and running trails.
Very Safe, Very Secure, ideal environment for children to play safely.
activities and attractions in Davenport Central Florida
Within minutes of Disney, and easy access to the I4, numerous top golf courses, restaurants.
Everything Orlando has to offer, plus a place to escape the noise afterwards.
vacation rental rates
Rates are flexible upon availability, but the above rates give an idea.
Please request rates with specific dates
neil ainsworth 44 1254 699111
accepted payment methods
Prior to paying a reservation deposit, always verify payment instructions by calling the phone number displayed on this listing page. By contacting the owner directly and paying by an approved method - credit card, paypal, check or bank transfer - your reservation payment will be protected up to $1,000.Learn more in our Security Center
Top things to do in Davenport
- Tennis
- Fishing
- Golf
- Airboat rides
Top things to do on a budget
- Lake Buena Vista Park
Top things to do with a family
- Disney
- Sea World
- Universal Studios
- Downtown Orlando
- Gatorland
neil ainsworth , owner


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- Register today to explore your dream career.
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- Latest Happening in education sphere ( bschool , Engineering , Degree Programmes , Medicine & Allied , Study Abroad and Professional courses).
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Exam Level: State Level Exam
COMEDK UGET 2013 Sample Question Papers
COMEDK UGET 2013 will be conducted on 12 May 2013, Sunday. Since there are many students preparing for the exam, we are providing the COMEDK UGET 2013 sample question papers to make the students more equipped with all the necessary tips for the exam.
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I know this doesn't help anyone who is on a budget, but if you are at all intending to use a speedlite on-camera, then it is worth considering the that 430EX(II) does not provide 360 degree rotation of the head - that has become a major drawback for me. I doubt that will be fixed with a mythical 440EX-RT. - I am now having buyers remorse about the 430EX because of that fact.I too was not expecting this when I bought my first 430EX II. For me it was more of a problem with off-camera since it was more difficult to optically align it to the master.
Also waiting for the new (440EX-RT) to pop up. I'm sure its just a matter of time. My guess is Canon wants to sell more 600s first or maybe its production capacity problems (6D production consuming all the resources...that damn 6D).No I really don't think the 6D is holding up production of the new flash, just had the urge to bash the 6D.


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Bags of help as staff join in city litter-pick (From South Wales Argus)
Get involved: Send your photos, video, news & views by texting ARGUS NEWS to 80360 or email us
Bags of help as staff join in city litter-pick
3:20pm Tuesday 18th September 2012 in News By Argus reporter
STAFF from Newport-based Audosta Rags 2 Riches 4 Schools got into the spirit of Tidy Wales Week by running a litter-pick on the Coronation Park side of the city's Transporter Bridge.
Twelve people took part in the event, collecting dozens of bags of litter, including a large television.
Run through the firm Audosta, which collects clothes to help a number of UK-based charities, Rags 2 Riches 4 Schools is focusing on helping schools in Newport and Cardiff to raise money through the same process.
Children are asked to take in unwanted clothes and their school gets 65p per kilo collected.
"We also get involved with schools in their environmental projects, so we felt we had to do our bit for the environment this week," said Richard James, of Rags 2 Riches 4 Schools.
For more information, visit www.rags2riches4schools.
Comments are closed on this article.


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CATEGORIES Action, Drama, Foreign Language, Horror, Thrillers, Magnolia, New on DVD, Home Entertainment, Cinematical Indie, Features, DVDs, CinematicalJohnny To's Exiled grabbed me from its very first musical cue. The twang of a Spaghetti Western guitar reverberates, echoing through the empty streets outside a small home in Macau. Men with murder in mind have come to call on an old colleague. You just know that bullets will fly and blood will flow. As Scott Weinberg wrote, it's a "fast-paced and surprisingly amusing piece from a stunningly prolific Hong Kong moviemaker who really knows his genre stuff." The DVD hits shelves this week from Magnolia, with "making of" and "behind the scenes" features.
The great Bruce Lee made only a few films as an adult before his untimely and way too early death. His first celluloid outings came when he was just a sapling. The Kid features 10-year-old Lee as an orphan who is taken under the wings of a petty thief. A kindly factory owner, played by Lee's real-life father, tries to help him onto the path of the straight and narrow. Peter Nepstad of The Illuminated Lantern (a wonderful site) called it "a great example of early Cantonese cinema, a showcase of a little boy who grows up to become a huge star ... a movie not to be missed." The DVD comes courtesy of Cinema Epoch, though no feature details have surfaced.
Long before Samuel L. Jackson had his fateful encounter with hundreds of slithering reptiles, The Killer Snakes were crawling around cinemas. John Charles of Hong Kong Digital (another great site) described this 1974 Shaw Brothers production as an "incredibly sordid HK thriller [that] mixes gruesome horror, perverse sex, and animal cruelty into a most unsavory brew. ... Even almost 30 years after it was produced, this remains one potent and disturbing little picture." (He wrote his review of the Region 3 DVD several years ago.) Perhaps needless to say, no CGI was used. The newly-released Region 1 DVD from Image Entertainment contains a stills gallery and a collection of Shaw Brothers trailers.


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Product Details This season, make all the right calls with a sexy Halloween costume that you will not find duplicated at your next Halloween costume party! Show off with pure naughty style, complete with a sports themed twist. You can still be girly and enjoy playing and watching sports. Enlist the help of a friend or significant other to be your player for the evening. This holiday outfit is sure to get plenty of attention on and off the field. The main garment is the short costume dress, complete with a black, ruffled skirt. The low hanging waistline meets the snugly fitted top, adorned in the trademark black and white stripes of traditional referee uniforms. However, unlike the standard look, this sports costume includes open sides, laced up in black to reveal just a little more skin. The short shoulder length sleeves help frame the low cut bust line, lined in black. A solid black patch is attached to the front, bearing the symbolic white playboy bunny icon. Black calf socks feature three even, white stripes around each cuff. Wear the whistle around your neck so you are prepared to make the call! This Halloween, show some sexy style in an otherwise masculine look!
Year of Release 2008
Brand Funworld
Made In VIETMAN
Product features: Adult Playboy Racy Referee Xs, Halloween costume & holiday outfit
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Baking becomes effortless with this unlined copper mixing bowl perfect for beating delicate egg whites due to its superior ability to stabilize egg whites. Corrosion resistant, this bowl will keep its beautiful copper sheen for years.
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CHAPEL HILL — In the weeks leading to North Carolina's Thursday night showdown with Miami on ESPN, cornerback Tre Boston was drilled about one play in the previous game against Virginia Tech.
Hokies receiver D.J. Coles got past Boston and caught an 83-yard strike that set up a touchdown and a 21-7 lead for VT, drowning any sort of optimism the Tar Heels had heading into the locker room.
Boston knew he blew the coverage, and said he would correct it.
"It happened and it was mostly because of communication issues," Boston said. "But we got that settled that day, actually that night, and we're good now."
While the secondary still had its flaws Thursday night against Miami – giving up 322 yards passing and multiple third-and-long conversions – it produced turnovers that helped keep the Heels in the game for much of the night.
Boston, a senior, finished with eight tackles, a tackle for loss and a huge momentum-swinging interception in the red zone with 7:35 remaining in the second quarter that set up a field goal to give the Heels a 17-13 lead before the half.
The Fort Myers, Fla., native also made two huge plays on Miami's second drive, stopping Duke Johnson short of the goal line twice, with one resulting in a tackle for loss. Both plays wouldn't have been possible if cornerback and fellow Florida-native Jabari Price hadn't made a big stop.
Price, from Pompano Beach, ran down Johnson after he broke away for a 59-yard run that looked like it would end with a touchdown. The senior caught Johnson after he broke multiple tackles earlier in the play.
Despite the plays made by Boston, Price and the entire secondary – which ended up with four interceptions, two by freshman Dominique Green – the Heels dropped to 1-5 thanks to a crushing methodical drive by Miami at the end to win 27-23.
Most of the damage on the final drive came from the running game and a rushing touchdown by backup running back Dallas Crawford – one of Boston's childhood friends. Despite the loss, coach Larry Fedora saw growth in his secondary.
"The defense created four turnovers, which should be enough to win a football game," Fedora said. "(Miami) makes their living by throwing the ball down the field and they have some receivers that can really go. They converted on a few third-and-longs … but we didn't let them capitalize off of (big plays)."
As for the realization that Boston, Price and nine other seniors are now dealt with their fifth loss of the season after just six games, Fedora knew it was important to the players and especially the two Florida natives who played crucial roles.
"I know those guys are hurting because they're from down in that area and they wanted to win it in the worst way," he said. "But believe me, they're all hurting right now. They're all hurting."
Smith: 919-829-4841


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Access to proposed housing development splits opinion (From Malvern Gazette)
Get involved! Send your photos, video, news & views by texting MG NEWS to 80360 or e-mail us
Access to proposed housing development in Poolbrook splits opinion
11:40am Thursday 20th February 2014 in News By Neil Watts
ACCESS to an unpopular proposed development site at Poolbrook proved to be a thorny issue when they split a planning committee.
Developer W J Bullock has submitted two different planning applications to build up to 63 dwellings, of which 40 per cent would be affordable housing, on farmland between the existing Brook Farm Estate and the sewage works off Mill Lane.
New access off Guarlford Road, using the Mill Lane entrance, was approved by Malvern Hills District Council's southern area development management committee by nine votes to four, with two abstentions.
However, the application for access off Charlock Road will be referred to the council's planning committee after votes for both approval and refusal were thrown out when councillors could not find an adequate reason to turn it down on planning matters.
Cllr Melanie Baker pointed to residents' concerns over flooding, loss of wildlife and habitat, access and safety for pedestrians but backed the plan and called for "more robust" conditions to address these issues along with more detailed descriptions from the developer.
"We find ourselves without a five year housing plan, so there is no point turning down applications on the basis that the inspector might agree with us this one time."
Cllr Baker added: "It is likely it will happen, so we should maximise the benefits for the wider community."
Nicholas Dean, of the Poolbrook Residents Action Group, said there were a number of reasons to oppose the plan, especially as the council has found the site unsuitable for development twice.
"Nothing has changed - it was unsuitable then and it is unsuitable now."
Mr Dean, who also called for six neighbouring roads at risk of flooding to be named on the planning conditions, added: "The site will flood and this will flood us. Do you want to be responsible for that?"
Speaking about the Guarlford Road access, cllr Clive Smith said: "I think this is the lesser of two evils because of the access."
However, cllr Roger Hall-Jones was concerned about the possible loss of an ancient and beautiful entrance to the town.
"I am getting a little anxious we are trying to urbanise it. I see no reason why this development should lead to further urbanisation of this area of Malvern."
Comments (2)
Please log in to enable comment sorting
12:27pm Fri 21 Feb 14
Andy-Apache says...
Interested to know why the change of heart...
10:39pm Fri 21 Feb 14
sarah and her chickens says...
Personally I think Cllr Baker had her speech written for her.
At least when they build 92 houses with no bus stop on Hayslan she will be able to walk her dog on tarmac instead of just a muddy field.
Comments are closed on this article.


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The latest plan for a new development in Short Pump is moving ahead. Construction could begin this fall on almost 70 acres near West Broad Street and Gayton Road.
The hope is to make it another community of homes and shops.
Developers say they're going to work with all of the space, there are rolling hills and streams they say will not be altered
It's one of the last open fields you pass before hitting busy Short Pump. Strange's Florist is the first business you'll see here.
"We remember when it was all countryside," Bill Gouldin, president of Strange's. "I think this neighborhood has a lot more growing to do."
And there could soon be a growth spurt after a decision by the Henrico Planning Commission, it approved Greengate which will bring more shops and 300 homes. It took almost two years to get here, because people nearby had some demands: including the request for no apartments.
"It was important to reach out to all the stakeholders," says Nate Van Epp with Markel and Eagle Partners, the developer.
Van Epp says those concerns have been addressed. Only single family homes will be built and Van Epp says 30-percent of the land will remain an open area.
"We also plan to have over 7,000 feet of trails that go through the wetlands area," says Van Epp. "Those we hope will be accessible by both bikes and foot traffic."
Everything is still in its initial stages, with at least four different drawings to show where the shops could go.
"We'd like to focus on a kind of a food theme," says Van Epp. "[There] may be more exclusively restaurants we hope even for a boutique grocer perhaps a wine shop."
Markel/Eagle is the developer for Greengate is the same one that helped build West Broad Village. They say there are lessons learned here that will be applied to the new development.
Most of the shops at West Broad Village don't face Broad Street, Van Epp says that will not be the case at Greengate.
"We hope the increased visibility from Broad Street will allow for a more vibrant set of commercial uses," says Van Epp.
The plans still need to be approved by the Henrico Board of Supervisors. If this happens, developers hope to start construction in the Fall.
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No bubbles in the airlock - should I still bottle the brew?
I'm attempting my first brew using a kit with all the provided ingredients (it's a lager). My brew is still in the big tub and has been there for about 2 weeks now. Initial SG was 1.040 and it's now ...


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Regional Champions by CLMS Science Bowl Team - over 1 year ago
"On February 23, 2013 these students participated in the Regional Science Bowl for Iowa. They won!!! (only because of the great look they had) Now the team will compete in the National Science Bowl in Washington D.C. on April 25-29. Thanks Customink for making this team look good!!!"


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English Bay Pale Ale - Granville Island Brewery
Displayed for educational use only; do not reuse.
Ratings: 184 | Reviews: 83 | Display Reviews Only:
Ontario (Canada)
4.75/5 rDev +50.8%
10-18-2013 01:35:59 | More by DuffMan32
British Columbia (Canada)
4.25/5 rDev +34.9%
08-27-2013 02:55:12 | More by ZachT
Ontario (Canada)
4/5 rDev +27%
03-12-2013 01:37:53 | More by RefillMyglass
Ontario (Canada)
4/5 rDev +27%
01-30-2012 02:40:21 | More by galluch
4/5 rDev +27%
05-08-2012 02:43:41 | More by leannegreen
3.85/5 rDev +22.2%
Thanks to woodychandler for the trade.Poured from a 12 oz. can. Has a caramel color with a 1/2 inch head. Smell is of caramel, maybe a hint of toffee. Taste is good, caramel and hops, very flavorful. Feels medium bodied in the mouth and is very drinkable. Overall this is a fine quality brew.
07-14-2010 22:08:14 | More by tone77
Quebec (Canada)
3.85/5 rDev +22.2%
Appearance — Pours very syrupy; appears fairly carbonated; thin ring of head retention; medium lacing; very nice colour: somewhere between pumpkin and leather.
Smell — Toasty, almost woodsy; can't decide if this smells smoky or just very very toasty and woodsy.
Taste — Overwhelming blast of pretty much what was in the nose, with some additional malty sweetness.
Mouthfeel — Very, very smooth, almost creamy, consistency on the tongue is very pleasant; don't really feel the carbonation or the alcohol.
Overall — Not sure what an 'English Bay pale ale' is supposed to be, but this is a nice, very toasty, slightly sweet pale ale.
01-17-2014 01:51:55 | More by AnHeroicHippo
Ontario (Canada)
3.83/5 rDev +21.6%
Served on tap in a GP pint glass has a nice copper color with two fingers of head.
Smooth Light tasting with good flavor with a hint of Carmel during the smell test.
Carmel malts and hops on my first taste with a roasted after taste.
Tasted perfect along side my burger and overall a very nice drinking experience.
12-19-2011 16:34:48 | More by Seanont
Ontario (Canada)
3.75/5 rDev +19%
Purchased at the LCBO for just under $ 3.00 as usual for a 473ml can. Served at 4deg c an a draught glass
A- Opens well and pours a good white head. Not much head left after 2mins
S- WOW this is a good beer. Throw a wack of malt and whoop here it is!!
T- See above
M- Malty good and you call it an IPA???
O- An IPA really? This one is a malt bomb LOL
Food Pairing
I didn't have a chance to eat with this beer sorry
07-26-2014 22:35:41 | More by DaveBar
Manitoba (Canada)
3.75/5 rDev +19%
05-25-2013 02:36:27 | More by howie10
Ontario (Canada)
3.75/5 rDev +19%
01-07-2014 07:21:55 | More by Beer-Fetish
Saskatchewan (Canada)
3.75/5 rDev +19%
01-05-2013 04:04:02 | More by logicpositive
Quebec (Canada)
3.75/5 rDev +19%
04-23-2014 16:00:22 | More by VbolieuV
Ontario (Canada)
3.75/5 rDev +19%
01-16-2014 22:17:52 | More by baylz
Quebec (Canada)
3.75/5 rDev +19%
10-14-2012 00:54:26 | More by jrempel
3.75/5 rDev +19%
07-29-2013 02:19:56 | More by BRYeleJR
Ontario (Canada)
3.75/5 rDev +19%
03-05-2013 11:45:36 | More by sbarre
Alberta (Canada)
3.75/5 rDev +19%
05-11-2012 07:13:54 | More by schnarr84
Alberta (Canada)
3.7/5 rDev +17.5%
Alright, I've had this beer a few times now, and it seems like every time I do, I'm getting something completely different. So, I figured now that I seem to have a better idea of what this beer really is, I should come back and do a proper review for it.
341ml bottle poured into a 16oz pint glass.
A - Rather aggressive pour yields a fizzy, light-tan head that's just under one finger and fizzles out fast. Darkish amber-orange in hue, and looks pretty good.
S - A wealth of different warm malt aromas upfront, with a slightly citrusy hops scent looming in the background. It's got a really nice caramel malt thing going on, with some bready and buttery malt complimenting it perfectly.
T - There are times when I've had this beer and it's tasted like a malty masterpiece, and others when it's had a delicious kick of hops in it. This time, it tastes like almost nothing. Is it just this well balanced? This has got to be one the most inconsistent beers I've tried in my lifetime, yet I seem to keep coming back for more. Although it doesn't taste like a lot this time around, there are times when it has an absolute barrage of tasty malt flavors. The warm, bread & butter malt is still present, as is the caramel malt, but it's not as well defined as it can be. As an extension of this, I detect almost zero hops in the finish, despite having a well-hopped bottle of this just last week...
M - Medium carbonation, with medium-to-light body. Nothing exceptional, but fitting. Really easy to drink. Sort of leaves a buttery feel in your mouth afterwards.
D - I really don't know what to make of this beer still. Although it seems to possess a really inconsistent quality from bottle-to-bottle, I still enjoy it every time. It really tastes incredibly simple, without much complexities at all, but something about the malty flavor just appeals to me so much.
08-13-2011 07:25:13 | More by Converge
3.65/5 rDev +15.9%
Poured in an amber nuance with a peculiar but not unpleasant smell. Not much foam in the pint. The taste was sweet and caramel with strong bread/biscuit notes kicking in after a while. Notes of green apple too. Although the taste is rather different from a mainstream pale ale, it is not bad and gives the brew a personality.
08-25-2007 10:07:56 | More by JanM
British Columbia (Canada)
3.63/5 rDev +15.2%
A mid-range English styled Pale Ale from one of the region's top selling craft brewer. Widely available in traditional 341ml (12oz) bottles and on draught. The English Bay Pale Ale is mild tasting, features a light golden color, and gives off a moderate amount of aroma after pouring. Head is pretty consistent as is the lacing of the glass afterward.
Extremely easy on the palette with both a smooth and mellow flavor with hints of carmel behind a draping of malt and limited hopiness.
While it lacks the real character that I'm searching for when tackling a Pale Ale, it works particularly well as a general ale for parties with friends and family.
12-27-2002 20:24:37 | More by 49degrees
Alberta (Canada)
3.61/5 rDev +14.6%
Appearance- Pours a light copper brown with a 1/4 finger of bubbly head.
Smell- Caramalts, hint of vanilla, light earthy hops.
Taste- Caramalts, light earthy hops, and a touch of butteriness.
Mouthfeel- Medium bodied with light to moderate carbonation. Pleasant smoothness to the body.
Overall- A fairly tasty pale ale by Granville with a good caramalt backbone. This brew has some characteristics that lean towards the EPA classification rather than an APA.
05-04-2013 03:47:03 | More by leaddog
Alberta (Canada)
3.6/5 rDev +14.3%
Pour was great with it's copper look and nice head, but little lacing..
I've drank alot of Granville island beers and they use a certain malt or hop that give a sweet smell and taste... There are caramel or toffee flavors?? ... It's really present in there winter ale... Love the sweetness.
Taste is one of a kind, therefore it's gets above aveage rating here... Sweet malts that I can't taste anywhere else outside of granville.. With little to no hop flavor for a pale ale... I can't help but sometimes just crave the sweetness this beer has to offer.
To much carbonation for a sweet beer..
Easy to drink when reading beer reviews, a book, playing xbox, ect... There is no need to sit down and search for complexitys.. Great easy to drink beer
01-09-2011 21:23:03 | More by Gtheroux
Alberta (Canada)
3.58/5 rDev +13.7%
Poured from a bottle with pretty Vancouver artwork. Poured a slighty cloudy orangesque coloured haze with a fluffy white top. Smells of malt, dryness.
A definite caramel flavour here - not usual for a pale ale, and an enjoyable surprise. This drink dries out at the finish and a touch of bitter, but an overall malt feel that's a bit much for a pale. Not too bad overall though.
03-14-2006 14:51:58 | More by niangelo
3.58/5 rDev +13.7%
Nice, deep coppery amber color, fluffy white head. Aroma was pleasant, though a bit light for this style, with essences of caramel and fruit.
Cool, smooth mouthfeel taste was almost buttery sweet and smooth, with a bubbly, almost sparkling texture, which was refreshing on the unseasonably warm day I visited.
Overall, a pleasant enough pale ale, though not the best Ive had. Still, Id say the consistency of this composition is a positive attribute that works in its favor.
10-17-2004 20:11:38 | More by TheLiterati
English Bay Pale Ale from Granville Island Brewery
73 out of 100 based on 184 ratings.


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Town Square
What is Measure D really about?
Original post made on Oct 11, 2013
Read the full story here Web Link posted Friday, October 11, 2013, 12:00 AM
on Oct 11, 2013 at 8:51 am
I oppose Measure D because it shows how shallow Palo Alto Planning process really is. The whole Peninsula lacks a real plan for senior housing...whether it be low income or making it more feasible for aging baby boomers like me who want to move into affordable, quality alternatives to our single unit homes. Two things could and should happen after Nov. 5 if the Mayor and Vice-Mayor move the Council to strategic not tactical action. First, energize the staid Housing Element in new Comprehensive Plan. Small projects like Maybell do not add significantly to the senior housing supply. Menlo Park, Mountain View and Palo Alto need at least one new, large, quality continuing care center every five years for the foreseeable future. Think about Vi, The Forum and Channing House. Convene a tri-city call to action and act on it. Second, face the facts. Future high-quality, cost efficient senior housing is not possible with 3 and 4 story projects like The Forum and Vi. Vacant land does not exist. The only alternative is to "zone up" for seniors. Does this Council have the courage to acknowledge senior housing means tall buildings like standard-setting, time-proven Channing House. OK, Greg and Nancy, show us your stuff after the Nov 5 election.
on Oct 11, 2013 at 9:34 am
I'm happy people are now considering a Channing House size development on the Maybell site instead of the current proposal. This makes a lot more sense. It would look like this: Web Link
I'm glad that residents understand the current Maybell proposal with a measly 60 units is too small when we can put a much grander development on that site.
on Oct 11, 2013 at 9:44 am
I'm Against Measure D. I have been working with citizens across Palo Alto to defeat this measure, which I believe is a strong test case for putting high-density housing anywhere in Palo Alto, even in totally inappropriate locations.
The city has used "Planned Community"(PC) zoning to increase the density of a development on Maybell and Clemo. A 60 unit senior housing complex is being paid for by cramming 12 single family homes into Barron Park. This will worsen an already intolerable traffic problem, smack in the middle of the prime commuting and biking path to four schools.
This is the first time PC zoning has been used in a residential neighborhood (as opposed to commercial district). It is a test case and if Measure D passes the city will look to many more locations to increase high-density housing with in Palo Alto.
Please check out Web Link for more information and volunteer to help if you can. After the election, there is an active group of citizens planning to remain organized to give citizens a voice against other large developments planned throughout PA. By supporting our Barron Park and Green Acres neighbors now, they will be there for us in the future.


text:
Entries for June, 2009 in Digital Babble
More Web site updates: FAQ and comments
By cjcastillo in Digital Babble
Last night we launched a few more updates. Here is a brief rundown of what is new on our site. Frequently Asked Questions (FAQ) This section has a list of common questions asked about our Web site. The responses to ...
Let's go mobile with Victoria Advocate.com
By cjcastillo in Digital Babble
One sec, honey. I'll fix that flat, but first, I must read this blog entry by that CJ person.(Image source: Getty Images.com) If you are on the go and want to read the latest news from the Crossroads region, you ...
iPhone 3G S countdown: Will you get one Friday?
By cjcastillo in Digital Babble
The latest version of the iPhone, the 3G S, launches this Friday. It's no surprise that just like last year, shortages of the iPhone have been predicted. If advance orders are any indication, the demand for the iPhone 3GS may ...
Forget the iPhone 3G S, it's all about the Zach Morris Phone
By cjcastillo in Digital Babble
Who needs voice control, an internal compass or video recording when you can get this gem of a phone? I'm talking about the Motorola DynaTAC 8000X, aka the "Zach Morris Phone," which could double as a weapon or a nice ...
Apple announces new iPhone, other updates at WWDC
By cjcastillo in Digital Babble
So the event many Apple fanboys were eagerly awaiting has come and gone, leaving behind some new updates on software and hardware. While it seems most of the hype from WWDC is over the new iPhone, first here is a ...
Keep up with Apple WWDC 2009 updates today
By cjcastillo in Digital Babble
Today the annual Apple Worldwide Developers Conference (WWDC) begins, and we will finally find out what new products will be revealed. The buzz around this year's conference has revolved around the new iPhone that is expected to be unveiled today, ...
Email issues at Victoria Advocate
By cjcastillo in Digital Babble
We had issues with our e-mail system over the weekend and have not been able to access our email today either. If you you need to send an e-mail (today) to anyone in the newsroom, or have an issue regarding ...
Twitter updates from Class 2A softball championship game
By cjcastillo in Digital Babble
Stay tuned here to read game updates via Twitter on our CoverItLive session. Sports writer Wes Bloomquist will report from the class 2A softball championship game at McCombs Field and will send updates via Twitter. The game begins on Saturday, ...
Is your cell phone hurting you?
By cjcastillo in Digital Babble
Last week I blogged about an article from the NYT that talked about the toll text messaging was having on teens. At the end I joked about how in the future we would probably see more technology-related afflictions. Well here's ...
Web site updates: New blog settings
By cjcastillo in Digital Babble
Today we have launched an update to our blog settings. For those of you registered with an account on Victoria Advocate.com, when you click on your user profile name, located at the top right-hand corner of the page, this will ...


text:
We exist to make hungry people happy
We get people the food they want, when they want - wherever they are. It's simple...
You place your order
Simply order whatever you or your coworkers are hungry for at Seamless.com or using the Seamless smartphone app.
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We immediately beam your order to the restaurant and they send you a confirmation email with delivery or pickup time estimate.
Your food arrives...Yum!
When your food's ready, the restaurant delivers it or you pick it up. All you have to do is sign for it and enjoy it!
113 E 31st St, New York, NY 10016 | (212) 725-1411
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Placed my order and got email confirmation at 12:47PM. It is 2:52PM and I am just eating. Delivery was supposed to take 30-45min, it arrived after an hours from a delivery man with no clue. He gave me someone else's food, and when Natureworks contacted him they realized that he gave my food elsewhere. At 2:00PM I was told that my food would be right there, that they were very slow and it would be fast. It arrived at 2:52PM. I don't find an hour to be fast, Food arrived cold, and lacking all items. Sadly, will NEVER order again.
Written by
Courtney K.
4 other reviews |
Member since
Courtney ordered from here within the last year
Wow that was delicious. I never write reviews but I really enjoyed my meal with Natureworks. Great delivery
Written by
Ray L.
6 other reviews |
Member since
Ray ordered from here within the last year
Natureworks is a shining beacon of light in the semi-desolate area that is midtown west. Everything is reasonably priced, fresh, and really lets the ingredients speak for themselves. I especially love that their vegetable sides are steamed rather than fried or slathered with sauce- a small detail but something that I really appreciate! From everything I've tried, I definitely think that the Farmer's Market (spicy) is really the best thing that you can order because of the trifecta of tahini, chicken and egg white. So. freaking. good.:D
Written by
Jennifer K.
Member since
Jennifer ordered from here within the last year
Just have to say-- There are very few options for healthy food options here (turkey meat, chicken breasts, egg, etc) and Natureworks is phenomenal. Food is not greasy take out. I love it. Can't stop ordering from here.
Written by
Evan M.
1 other review |
Member since
Evan ordered from here within the last year
The food is mediocre at best, but you feel like it's healthy so you eat it anyway. When it actually arrives, which from my experience is consistently late, and frequently only partial. When I called to find out where the rest of my order was, I was greeted with a "hullo" and when I confused asked, "is this natureworks?" I heard "yeah, it's me" back. I felt like I was ordering something from someone's basement. After sitting on the phone for 6 minutes, I was told that they couldn't reach my delivery guy and didn't know what to do, and they would send him when he gets back with the cold food I had ordered an hour and a half ago, when the delivery estimate said 30 minutes. Something even tells me this food isn't nearly as healthy as it sounds.
Written by
Spencer A.
12 other reviews |
Member since
Spencer ordered from here within the last week
I love natureworks. i think their food is top notch. I trust that the food they make for me is healthy with the right ingredients. My kids love the food too - the pizza & pasta - they love it. I could take away a star based on the delivery time, which is usually 45 - 1 hr - its a drawback. But good food takes time, and they are usually busy. So five stars from me!
Written by
jeff g.
5 other reviews |
Member since
jeff ordered from here within the last month
Natureworks is great! Everything there is fresh, natural and minimally processed. It really helps me round out my menu with vegan & whole food choices with fast delivery. They do have one quirk in how they prepare food. Sometimes, they leave things out that should be together or put things together that should be apart. I received my bison with veggies and turkey bacon with the turkey bacon on the side not in the wrap. I did not order it as a side, but in the wrap. Weird My colleague ordered egg whites with chili and it came with fried eggs and chili dumped on top of it. Nothing wrong, just slight misunderstandings about what is put together and what is expected separately. All in all I enjoy eating here.
Written by
Carmela D.
9 other reviews |
Member since
Carmela ordered from here within the last year
I usually love Natureworks, especially Open Sesame!, however the past few days I have ordered my "green" smoothies they have been all sorts of colors OTHER than green!
Written by
Bess O.
1 other review |
Member since
Bess ordered from here within the last year
Natureworks is home of the best, healthiest, and highest quality food available in NYC. If you work or live anywhere near 31st and Park, this is THE BEST food you will find (assuming you care about health and nutrition)! Awesome food here! Everything is good. If you like fatty, starchy, sugary food this is not your place.
Written by
Joshua S.
5 other reviews |
Member since
Joshua ordered from here within the last year
The hummus/falafel burrito was good, but they ignored the special instructions to add an avocado to my smoothie "because you didn't pay for the avocado." I'm not sure why they didn't charge me for the avocado, but they ended up making the whole smoothie again and collecting $1 from me (for the avocado!) on the second delivery. Which is fine. Just inefficient and annoying. Here's a tip, Natureworks: improve your add-on options, especially for smoothies! I like to add bananas and avocados to my smoothies whenever possible, and I'm not the only one!
Written by
Hilary T.
1 other review |
Member since
Hilary ordered from here over a year ago
Ordered the "ultimate plate". Food arrived promptly and was hot. The chicken was spicy and tasty but somewhat overcooked and dry. Veggies, rice and pita were OK but, WHERE IS THE HUMMUS? They either forgot to send it, or just assumed I would not notice. The hummus is the reason why I ordered this plate in the first place! Don't cheat on me, Natureworks! You just missed a 5-star rating!
Written by
Alejandro G.
Member since
Alejandro ordered from here over a year ago
The food I ordered today was horribly bland and the chicken was very overcooked. I will not b ordering from Natureworks again.
Written by
Janelle R.
Member since
Janelle ordered from here over a year ago
I have been ordering from Natureworks for a few months now, and the consistent good quality is amazing. It's fresh, delivery is always fast, and unlike most of the other "healthy" delivery options, their food actually tastes good. Not good for being healthy, but just plain good. I especially like the Bison feta wrap, and yes, spicy means spicy! I just hope I don't jinx myself by writing a good review.
Written by
Robert C.
Member since
Robert ordered from here within the last year
WHAT HAPPENED? Prices go up and it's all chicken all the time? This is NOT a good change, Natureworks!
Written by
Mark U.
16 other reviews |
Member since
Mark ordered from here over a year ago
I have only ordered #66 - The Farmer's Market and it was delicious. I will definitely order from Natureworks again and try out other menu items.
Written by
Garett P.
1 other review |
Member since
Garett ordered from here over a year ago
|1. 88. Protein Omelet
|2. 95. Egg Delight Wrap
|3. 42. Greek Salad
|4. 49. Chicken & Guacamole Salad
|5. 17. South American Taco Salad
|6. 2. Chicken with Guacamole Sandwich
|7. 26. Turkey Burger Pizza-Style
|8. 23. South American Burrito
|9. Grilled Chicken Breast
|10. Exotic Berry Shake
|73. Open Sesame! Plate (54)
|66. The Farmer`s Market Plate (37)
|49. Chicken & Guacamole Salad (36)
|23. South American Burrito (30)
|Lentil Soup (29)


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Foreclosure – Don't Give Up – You Can Fight
January 19, 2010
Many Americans unfortunately find themselves having difficulty paying their mortgages. When a family falls behind on their mortgage payments, there are a number of ways to deal with the situation. Houses go into foreclosure for a variety of reasons. Loss of employment, divorce, injuries, illnesses and disabilities. In this situation, you have a number of options:
1. Mortgage Modification
An application to your financial institution can be filed for a mortgage modification. This is a long and difficult process and unfortunately in many situations, the request for mortgage modification is denied.
2. Forebearance Agreement
Forbearance Agreements are agreements to allow you to catch up on your Mortgage while either freezing or modifying the mortgage payments. They are very similar to mortgage modification arrangements.
3. Bankruptcy
You can file a Chapter 13 Bankruptcy in the United States Bankruptcy Court. Bankruptcies are Federal Proceedings whereas the foreclosure proceedings are initiated in state courts. The bankruptcy filing gives you an automatic stay (freezes) the foreclosure proceeding and allows you to enter into repayment plan thru the bankruptcy court concerning your debt. Deed in Lieu of
4. Foreclosure
You can simply deed your house back to the financial institution.
5. Sell Your House
You can sell your house, pay off the mortgage and keep the balance of the proceeds from the sale. If your house is worth less than the amount of your mortgage, you have to initiate a short sale with the permission of your financial institution.
6. Fight Back
Experienced Foreclosure Defense Attorneys can help you in defending foreclosure proceedings. Due to the large volume of cases, currently pending in New York State Courts, it could be 12 to 24 months for the foreclosure to be completed.
7. Foreclosure
Does this mean the bank owns my house?
Foreclosure is the start of a process whereby a financial institution that has a mortgage or equity loan on your home seeks court intervention to have the house either sold or have the deed put back in the name of the financial institution. It is a long and detailed process. The foreclosure Is the start of the process and not the end of the process. The end of the process is the point at which you lose your home. The best way to deal with this process is to hire competent, experienced, Foreclosure Defense Attorneys.
Fighting foreclosures are difficult but they can be dealt with by experienced dedicated attorneys who understand the foreclosure process. Feel free to contact our office anytime for information or a free consultation regarding our mortgage modification, foreclosure, and bankruptcy services. We will help you decide which path is right for you and then we will help guide you through the entire process.
You can reach us 24/7 at 800-344-6431 or click here to e-mail us.
Picture courtesy of planohomesandland.com.
As readers know, our office has a significant bankruptcy practice (more bankruptcy information is available there). I addition to the issues Mr. Schlissel addressed yesterday, below are some more frequently asked questions and Mr. Schlissel's answers. For help with Bankruptcy, or any other matter, you can always contact our office.
Q: How does filing for bankruptcy affect others, like creditors, family members, and co-signors
A: It depends on the type of bankruptcy. If it's a Chapter 7 Bankruptcy, which is very often called a "straight bankruptcy," the purpose of that is to eliminate your debts completely. In a Chapter 7 bankruptcy, all of your assets are basically liquidated, except for exempt assets, and distributed to your creditor. Now, if you don't have any assets, such as a house, chapter 7 is usually the way to go and at the end of the bankruptcy, you have no debts at all.
The problem is that if you file a Chapter 7 bankruptcy and you have a co-debtor, only you are discharged from the debt. At the end of the bankruptcy, the co-debtor still owes the debt. Whatever portion you didn't pay, or if you didn't pay anyportion of it, the co-debtor or guarantor owes the balance of he debt. In those situations where there's husbands and wives or co-debtors, it is very often recommend that they both file for bankruptcy.
In a Chapter 13, you're entering into a "plan" where you pay a percentage of the amount owed. If it's a secured creditor which has a lien on your car, or a bank that has a mortgage on your house, very often you're paying 100% of what is owed to them. If the debt is owed to credit card companies, some plans have you paying as little as 10-15% of what you owe.
In a Chapter 13, there is a stay, or injunction, preventing any creditor from taking legal action against a co-debtor or guarantor. But that is only a temporary form of relief. It doesn't release the co-debtor for the amount of the debt that is not paid under the Chapter 13 plan.
The law is complicated, even more so than a lot of other areas of law that consumers have to deal with. Not only that, but not all attorneys do bankruptcy work. In fact, most of them do not do bankruptcy. Very few attorneys get involved in dealing with federal proceedings such as bankruptcy.
Q: How long does the bankruptcy process usually take?
A: Chapter 7, from start to finish, will usually take between three and six months. But a Chapter 13 proceeding can take anywhere from three to five years.
Q: What sorts of things do you usually do to help your clients rebuild their credit after bankruptcy?
A: After filing for bankruptcy, most good attorneys talk with their clients about how they can rebuild their credit. If done correctly, you can rebuild your credit within six months to a year after filing for bankruptcy.
When an individual falls behind on their financial obligations, all sorts of negative credit information is placed on their credit report. Filing for bankruptcy can help most people in the long run as they can develop good credit becxause if you fall behind on your mortgage, credit card payments or car payments, your credit score goes way down.
After you file for bankruptcy and you're discharged, you don't have any debt. If you enter into an agreement for a secured credit card or something else of that nature, you can rebuild your credit score. People whose bankruptcies I have handled have credit scores of 750 because they have no debt. they are now debt-free and the have been able to reestablish credit and show that they're making payments to their creditors on a timely basis.
Any good bankruptcy attorney should want to have a long term relationship with his clients and should discuss rebuilding the person's credit. It's something we always do for our clients. We feel that it's part of the process of educating them on how to rebuild their credit after the bankruptcy is complete.
Contact us anytime for bankruptcy help.
Picture courtesy of hrbor.org.
As readers know, our office has a significant bankruptcy practice (more bankruptcy information is available there). Below are some frequently asked questions and Mr. Schlissel's answers. For help with Bankruptcy, or any other matter, you can always contact our office.
Q: Have you seen a lot of new bankruptcy filings due to the economy?
A: Yes, there has been a significant increaes in bankruptcies, but it is important to understand that the bankruptcy law was amended during the Bush administration. It is more complex, time-consuming and more expensive to file for bankruptcy since the law changed several years ago.
The basic changes were that before filing bankruptcy, one must take an online course. After they file, they must take a second course. The filing requirements are a little more complicated and more detailed as well. For instance, one must have filed tax returns for the last two years in order to file bankruptcy. the record keeping and bookkeeping circumstances of hte filings are also more detailed.
In addition, if individuals have a high income or high expenses, there are detailed requirements that sometimes prevent those individeuals from filing a Chapter 7 bankruptcy. In such cases, they' have to file a Chapter 13 Bankruptcy instead.
The purpose of the amendments to the bankruptcy statute was ostensibly to prevent bankruptcy abuse, but the reality of the situation was that the statute was written by the banking industry for the purpose of preventing or making it more difficult for consumers to file bankruptcy. It was basically an anti-consumer statute. It makes the process more difficult, more time-consuming and more expensive than it used to be.
Q: What does it generally cost to file for bankruptcy?
A: The cost could be anywhere from $1,500 and up.
Q: How would someone pay for a bankruptcy when they don't have any money? Isn't it a Catch 22?
A: Very often lawyers will tell their clients to stop making certain payments. For example, if you have a mortgage on a house and you fall behind, the bank will generally accelerate the debt, meaning that the whole remaining balance becomes due and you can't make your mortgage payment. At that point in time, the individual is basically saving their mortgage payments because the bank won't accept their payments.
The same can be true for credit card payments. At some point, it doesn't make sense to make the payments, so a debtr should just acumulate the money, stop making the payments, use it to pay the administrative expenses of filing the bankruptcy and pay the attorneys' fees. Also many attorneys will accept payment plans from their clients.
Consumers should know that there is indeed a way out. They should speak with an attorney who will be able to educate them on how to accumulate money even while they're in debt in order to file the bankruptcy.
Contact us anytime for bankruptcy help.
Picture courtesy of Adam Stradt.
Waiting Period for Receiving Another Bankruptcy Discharge
August 17, 2009
If you have already completed your Chapter 13 payment plan or Chapter 7 bankruptcy proceeding, and have received a discharge, you will hopefully be in good shape to begin a new financially unencumbered life. You will hopefully have taken our advice and attained financial health. But life does not always cooperate with our plans and so you may need to know whether you can refile for bankruptcy protection again.
In the event that this does become necessary, it is worth noting that a second (or third or fouth) Bankruptcy filing is possible and may be advisible, based on circumstances. However, time limits do apply.
The waiting period after a Chapter 7 Bankrutpcy discharge is 8 years for another Chapter 7 discharge, but only 4 years for a Chapter 13 discharge. However, if you received a Chapter 13 discharge, the waiting period is 2 years for another Chapter 13 discharge and 6 years for a Chapter 7 discharge.
As always, it is worth noting that our firm has a significant bankruptcy practice and can assist anyone with information and help with filing for bankruptcy. Just contact the office.
Picture courtesy of markettalk.
Bankruptcy Filings Up 35% Over Last Year
August 14, 2009
David Ingram, of the LegalTimes blog, reported on some startling statistics about sharply increased bankruptcy filings this year over last year.
While overall bankruptcy filings are up 35%, the numbers for Chapter 7 liquidation filings by individuals and Chapter 13 filings by companies are much starker. Chapter 7 filings are up 47% and Chapter 11 filings by companies are almost double what they were last year, at 91% according to the U.S. Bankruptcy Courts.
While this information may certainly take away some of the stigma that individuals who are in need of bankruptcy protection may feel, it represents a startling indication of the financial difficulties many people are facing.
Our firm has a significant bankruptcy practice and can assist anyone with information and help with filing for bankruptcy. Just contact the office.
For more information on Bankruptcy, you can read any of the following recent articles on the topic:
Who Should File for Bankruptcy?
Which Type of Bankruptcy Should I File?
How Do I Rebuild My Credit After Bankruptcy?
Can A Creditor Pursue a Debtor's Co-Signor After Discharge?
August 12, 2009
Many people have loans or debts where a friend or relative has guaranteed or co-signed a loan. In these situations, individuals considering filing for Bankruptcy are often concerned whether any discharge of indebtedness would absolve co-signors of their responsibility for the debt.
Generally, Bankruptcy discharge does not absolve a co-signor or guarantor of the responsibility to pay a creditor for any deficiency owed by the party who filed for Bankruptcy.[1] Creditors can still go after a co-signor for any unpaid balance after a Chapter 7 Bankruptcy discharge. Similarly, under a Chapter 13 repayment plan, at the conclusion of the payment plan, a creditor can still go after a co-signor for the difference between the amount paid under the payment plan and the original contract amount of the debt (the "deficiency").[2]
A Chapter 13 Bankruptcy filing stays actions by creditor against co-signors during the pendency of the Bankruptcy case,[3] but this is not the case in a Chapter 7 Bankruptcy.
The Ninth Circuit Court of Appeals explained that "[g]enerally, discharge of the principal debtor in bankruptcy will not discharge the liabilities of co-debtors or guarantors."[4] Explaining that "[t]he bankruptcy court 'has no power to discharge the liabilities of a bankrupt's guarantor," the court clarified that "'[t]he bankruptcy court can affect only the relationships of debtors and creditor. It has no power to affect the obligations of guarantors.'"[5]
The New York Appellate Division further clarified that "a defendant's liability as a guarantor generally is not impaired by the discharge of a principal's obligation in a bankruptcy proceeding and, thus, plaintiff may seek recovery from defendant notwithstanding [the debtor's] bankruptcy petition."[6]
The exact language of the agreement in which the co-signor or guarantor took on the obligation is important. If the co-signor only assumed the obligation to pay the debtor's indebtedness where the debtor himself was still obligated to pay the loan, then the debtor's discharge would probably absolve the co-signor of her obligation to guarantee the loan as well, pursuant to the terms of that original guarantee. But where the guarantee never says that the co-signor's obligation is contingent on the primary party's obligation, or where it states explicitly that the co-signor is obligated regardless of any discharge of the primary party's indebtedness, the creditor can still go after the co-signor for any amount still due.[7]
Based on these rules, it is imperative that anyone who would like to help out a business associate, family member, or friend by co-signing a loan or guarantee should carefully consider whether they are willing and able to pay that person's debt off if the person who asks for help becomes unable to fulfill his financial obligations or files for Bankruptcy.
Picture courtesy of e-how.com
[1] 11 U.S.C. § 524(e).
[2] Id.
[3] 11 U.S.C. § 1301(a), (c).
[4] Underhill v. Royal, 769 F.2d 1426, 1432 (9th Cir. 1985), rev'd on other grounds 494 U.S. 56, 64 (1990).
[5] Underhill, at id. (citations omitted).
[6] Culver v. Parsons, 777 N.Y.S.2d 536, 538 (N.Y. App. Div. 2004).
[7] First National Bank of Scotia v. Proem-a-Net Economics Corp., 652 N.Y.S.2d 405, 407 (N.Y. App. Div. 1997).
How Do I Rebuild My Credit After Bankruptcy?
June 1, 2009
Many individuals who file for bankruptcy already have heavily damaged credit due to late payments, repossessions, foreclosure proceedings and judgments. In this case, one of the factors that has driven down that person's credit is a very high debt-to-income ratio. A bankruptcy may actually help such a person raise his or her credit score by eliminating part of the debt that was throwing off the ratio.
Although a bankruptcy will appear on someone's credit score for up to 10 years, one's credit score can be raised almost immediately after a bankruptcy discharge by implementing healthy credit and budgeting habits. There are several things that one can do to rebuild credit over time.
- You may be tempted not to use any credit at all lest you fall back into bad credit habits. This may be necessary if you know that you lack the self-control to use credit responsibly. But if not, you should be aware that your credit score will not go up unless the credit beaureaus see some evidence of responsibly held credit. This is why it is a good idea to get one credit card whose balance you paid off every month. This will help raise your credit score.
- Two types of credit are needed to bring up the credit score. One must develop a history of making timely payments on both "installment credit" accounts and "revolving credit" accounts. "Installment credit" means long-term set payments on a credit account like mortgage or car payments. "Revolving accounts" involve payments on accounts whose monthly payments are determined by one's current balance, like credit card payments and home equity line of credit payments.
- If you have car payments or a mortgage after bankruptcy, one should consider developing credit using a credit card. Sometimes one of a debtor's credit card companies may allow that person to keep a credit card after bankruptcy, in exchange for an agreement that some of the debt from that card will carry over after the rest of his debt is discharged. If you pay the balance of the credit card every month, this will slowly improve your credit rating.
- Alternatively, you can build up your credit score by getting a "secured credit card." This is a credit card with your bank that is secured by an account balance to ensure that the lender can collect on any unpaid bills.
It goes without saying that one must leave behind all of the old habits that lead to high debt in the first place. One must make a budget and live within it. Sometimes this may involve taking on an additional job to make sure that all of one's financial obligations are met on a timely basis.You may contact our office for a free consultation with an experienced bankruptcy attorney with regard to whether this or another type of bankruptcy may be appropriate for your situation.
Picture courtesy of AskMrCreditCard.com
Chapter 13 Bankruptcy
May 28, 2009
If you have a regular income and, after paying off all of your necessary expenses, you have some money left over to pay down your debts, the court will "restructure" your debts over a 5 year payment plan with little or no interest. The major advantage of this type of bankruptcy is that you will be able to keep all of your assets and will not be forced to liquidate them to satisfy your debts.
100% of secured debt must be paid off or made current during this payment plan. This refers to debts which are secured by a specific piece of property like a car or home. With regard to these secured debts like a mortage, the payment plan will give you time to become current and avoid foreclosure. These overdue amounts must be fully paid at the end of the five year payment plan.
Non-secured debts, on the other hand, like hospital bills, credit card bills, lawsuit judgments and payday loans will only be paid back over the payment plan period according to how much you can afford to pay. When you complete the payment plan, most unpaid balances of these debts will be discharged by the bankruptcy court.
Over the course of the three to five year plan, you will make the ongoing agreed-upon payments to your creditors and they may not try to collect more than they are entitled to under your Chapter 13 payment plan. Once you complete all payments during the five year period, the court will grant you a "full discharge" of your outstanding balances.
However, as with Chapter 7 bankruptcy, the discharge will not absolve you of the obligation to pay certain non-secured debts like child or spousal support obligations, most student loans, and many tax obligations.
You may contact our office for a free consultation with an experienced bankruptcy attorney with regard to whether this or another type of bankruptcy may be appropriate for your situation.
Other related Posts:
- Who Should file for Bankruptcy?
- Which Type of Bankruptcy Should I File?
- Chapter 7
- How Do I Rebuild My Credit After Bankruptcy?
Picture courtesy of torontobankruptcytrustee.com
Chapter 7 Bankruptcy
May 27, 2009
In order to qualify for Chapter 7 Bankruptcy, you must pass the "means test." That means that if your income is less than the median income in your county, you qualify to apply for bankruptcy protection. In order to find out if your income is above or below the median income for your area, please contact our office and one of our experienced bankruptcy attorneys can apprise you of where your income falls in the context of the "means test." If, however, your income is above the median income for your county, you may still qualify, but additional information that you provide will have to be.
When one files for Chapter 7 bankruptcy, the court appoints a trustee who will collect and sell ("liquidate") all non-exempt property and distribute the proceeds to the appropriate creditors. Any remaining dischargable debts will be discharged at the end of the process.
The definition of "exempt assets" varies from state to state, but in New York, the following assets are generally exempt from liquidation in Chapter 7 bankruptcy:
- $2,500 in cash and $2,500 in clothing and household furniture, or $50,000 in equity in a home that is located in New York and is the principal residence of the debtor
- a car with up to $2,400 in equity,
- "qualified" retirement plans, such as 401ks and 403b plans,
- IRAs
- up to $600 in work tools
- personal injury compensatory recoveries to up to$7,500 (not including pain and suffering)
- security deposits
Any excess equity in your home or car, above the levels outlined above, must be "cashed out" in order to pay your creditors. It should be noted that certain debts are not dischargable in a bankruptcy proceeding. The following debts are among the most common that generally may not be discharged:
- Child Support
- Spousal Support
- Back Taxes
- Most Student Loans
Contact our office for bankruptcy filing information and help.Other related posts:
- Who Should File for Bankruptcy?
- Which Type of Bankruptcy Should I File?
- Chapter 13
- How Do I Rebuild My Credit After Bankruptcy?
Picture courtesy of NateBurnsteinlaw.com
Which Type of Bankruptcy Should I File?
May 26, 2009
Basically, if you have few assets, do not have a regular income or you do not have enough income to meet your basic needs and have something left over to help pay down your debt, then Chapter 7 bankruptcy might make the most sense for you. It will allow you to start fresh as quickly as possible, with the possibility of receiving a discharge of your debt in as little as a few months.
If, however, you have a regular income and can meet you basic living expenses with a little bit left over every month, your goal may be to reorganize your debts to a manageable level in order to pay your way out of debt. In this case, Chapter 13 bankruptcy would probably be the right choice.
In a Chapter 7 bankruptcy, all of your non-exempt property would be sold ("liquidated"), and the proceeds of the sale would be used to pay off a portion of your debts. If you have few assets, this type of bankruptcy may be the best option. For more information on which assets are considered exempt from sale in a bankruptcy proceeding, see the page on Chapter 7 bankruptcy.
If, on the other hand, you have a lot of non-exempt assets, such as a house, or you have regular income, you may have more to lose by having your assets liquidated to satisfy your debts, or a portion of your debts, than you would by creating a payment plan to pay off your debts over several years. In that case, you should probably consider filing for bankruptcy under Chapter 13.
Contact our office for bankruptcy filing information and help.
Other related articles:
- Who Should File For Bankruptcy?
- Chapter 7
- Chapter 13
- How Do I Rebuild My Credit After Bankruptcy?
Picture courtesy of alsIdaho.com


text: Fair's first publication Sunday Mornings was greatly influenced by her time spent with family and friends visiting various swap meets and farmers markets around Los Angeles. As a society, we constantly throw away so much while simultaneously acquiring new goods, rarely pausing to think about the things we are leaving behind. These photographs illustrate the contrast between the two, the fresh new produce from the farmers markets and the tattered old items left behind at flea markets. For most, Sunday mornings are times of renewal, a fresh start to a new week. But for others, it is a time of reflection. Each photograph in this book was taken on a Sunday morning.


text:
Sea Grapes a private waterfront vacation in Treasure Island
- bedrooms 1
- baths 1
- sleeps 4
- pool no
- hot tub no
- pets allowed no
- type Apartment
- community
rates (USD)
/ night
$ 550 - $ 750 / week
$ 1,700 - $ 2,400 / month
vacation rental description
A quiet private retreat on a beautiful intercoastal waterway and steps away from the beach. Enjoy a secluded back yard with lush tropical landscaping, large deck area and use of a deep water dock with boat slip for a large cruiser or sailboat. Walk across the street to the beach or out back to your private waterway!
vacation rental location
property availability
- dates with deals
- unavailable dates
Last modified on 08-6-2014 at 11:59 AM.
email owner view full calendar
Ron Sage 609 703-4013
apartment rental amenities
Immaculate one bedroom/one bath with queen sleeper. Includes a fully functioning kitchen with new appliances. Gated private entry. Outdoor BBQ with dining areas. Waterside lounge area. Full size dock with boat slip (boat ramp on same block). Central air/heat; flat screen TV and Wifi. Parking in front of building. Smoke free (outside only).
activities and attractions in Treasure Island Gulf Coast Central
Beach; boating and fishing; walking distance to many restauarants and shopping; free rides and public transportation close by; Hard Rock Casino 45 mins away; Disney World Universal and Sea World within 1hour 45mins; Tampa Bay Devil Rays Stadium 20 mins; Famous John's Pass shops and restaurants 5 mins.
vacation rental rates
- December 16th - April 15th $125/nightly $750/weekly
- April 16th - August31st $100/nightly $650/weekly
- September 1st - Dec. 15th $90/nightly $550/weekly
- Add 12% local tax. Cleaning fee $60.
- Holiday rates may vary
check in: 4pm check out:11am
We accept all major credit cards
A 20% deposit due at booking with balance due 30 days prior to arrival
Ron Sage 609 703-4013
accepted payment methods
Prior to paying a reservation deposit, always verify payment instructions by calling the phone number displayed on this listing page. By contacting the owner directly and paying by an approved method - credit card, paypal, check or bank transfer - your reservation payment will be protected up to $1,000.Learn more in our Security Center
Top things to do in Treasure Island
- beach
- boating
- dinning / shopping
- water sports
- fishing
Top things to do on a budget
- beach
- fishing
- kayaking
- nature walks
- biking
Top things to do with a family
- beach
- fishing
- sporting events
- parks / museums
- boating
Ron Sage , owner


text:
NORTHEAST COLORADO — The Colorado Department of Transportation has several highways currently closed as a result of the storms that began last night.
Related Stories
- Nov 19:
- Dec. 2 new FEMA deadline for flood relief
- Nov 7:
- Fort Morgan disaster center closing
- FEMA disaster registration deadline extended
- Nov 5:
- Parts of Riverside Park open again
- Oct 31:
- Flood disaster center open at FMPD
- Oct 30:
- No longer picnic-ready tables in Riverside Park
- Oct 25:
- Don't wait to apply with FEMA
- Oct 22:
- Individual flood assistance available in Morgan County
- Oct 16:
- CDOT completes inspections of state bridges following flooding
- Oct 9:
- Crews working to repair flood damage to roads
- Oct 8:
- Considerable flood damage at Muir Springs
- Oct 7:
- Governor views damage in Goodrich and Orchard
- Oct 4:
- Still dangerous, Riverside Park remains closed to public
- Oct 3:
- Still standing
- Oct 2:
- Morgan County gets federal disaster declaration
- Oct 1:
- Resources, answers for flood victims at disaster relief meeting
- Sep 27:
- CDOT announces estimated highway reopenings
- Governor signs order making $65.5 million available for flood relief
- Sep 26:
- Help available for Morgan County flood victims
- Sep 25:
- Additional information regarding Colorado tax filing and payment relief for flood victims
- Individuals in Morgan County denied FEMA assistance
- Flooding safety hazards remain even after water recedes
- Sep 24:
- Disaster assistance meetings planned for county residents
- Colorado at mercy of Congress on flood relief funds
- Sep 20:
- Little ag damage from flood in Morgan Couny
- Sep 19:
- Morgan County, Fort Morgan release preliminary damage estimates
- Water down, clean-up commences in Morgan County
- Fort Morgan offers to take Sterling's crap
- Sep 18:
- Fort Morgan Council hears about affects of flood on city
- Sep 17:
- Governor John Hickenlooper visits Fort Morgan, discusses flood cleanup funding
- Riverside Park sees worst of flood in Fort Morgan
- Morgan County roads, bridges see damage from flood
- Sep 16:
- Water, Water: Flood waters affect operations in Morgan County
- Sep 15:
- Mayor declares disaster, emergency proclamation
- City: Flood damage limited to Riverside Park
- Sep 14:
- Hwy. 52 north of Fort Morgan is closed
- Update: Most current road closures from the Colorado Department of Transportation
- City: Fort Morgan preparing in case of river flooding
- UPDATED 11:30 p.m.: Flood update from Sheriff Jim Crone, latest evacuations
- Sep 13:
- A guessing game
- Newest road closures in northeast Colorado
- Fort Morgan Times will not be delivered today
- UPDATE: Rains continue
- Sep 12:
- Sheriff: Flood Warning issued for South Platte River in Morgan County
- UPDATED: Weather reschedules - Sept. 12
- Boulder Daily Camera offices closed
- UPDATE: Flood warnings issued for the weekend along South Platte
- Flood warnings issued for Saturday along South Platte
Many of the closed highways have sustained significant damage as a result of flooding, mudslides, rockfall, and other debris.
"Our highways and bridges will remain closed throughout the storm as a precaution until our crews have evaluated whether or not they are safe for public use," said Region 4 Transportation Director Johnny Olson. "We highly discourage members of the public and media from trying to enter closure zones and/or from driving over flooding bridges."
CDOT crews will be working around the clock until the storm subsides, damage to highways and bridges has been assessed, and repairs have been made. In all, approximately 120 employees are solely dedicated to the flooding situation across Boulder, Larimer, and Weld counties. Assistance from the National Guard will be forthcoming as both the Big Thompson and Poudre Canyon areas are evacuated.
Current closures include the following highways locations (subject to change as the day progresses):
*I-25 Off- and on-ramps closed to and from State Highway 119
State Highway 7:
*Eastbound State Highway (SH) 7 between 55th and Cherryvale in Boulder
*SH 7 between SH 72 and Lyons (MP 19.2 to MP 33)
State Highway 14:
*SH 14 between Walden and Ted's Place remains closed.
State Highway 52:
*SH 52 closed MP 4.67 (US 287) east to County Road 1 (MP 7.19)
State Highway 66:
*Closed between 53rd and Lyons (Hygiene Exit – MP 32.6 to MP 20.5)
State Highway 119:
*SH 119 between Boulder and Nederland (MP 25 to MP 41)
*SH 119 from County Road 5 ½ to Turner Road (east of Saint Vrain River) at MP 62 both directions near Del Camino Trailer Park
*US 34 between Estes Park to Glade Road (MP 64.8 to MP 86.86)
US 36 between Boulder and Estes Park (MP 21 to MP 32)
There are no estimated times for reopening for any of the above closures. For the most current highway closure information, motorists are encouraged to visit www.cotrip.org , which is updated 24/7.


text:
Here is the complete, original text of the millions-selling self-help guide that reveals your invisible power to attain any goal - paired with a compelling bonus work, How to Attract Money. The Power of Your Subconscious Mind, one of the most beloved and best-selling inspirational guides of all time, shows how changing your thought patterns can produce dramatic improvements in your life.
Using practical, easy-to-understand techniques and real-world case studies, Dr. Joseph Murphy reveals the vast influences of the subconscious mind on all aspects of existence - money, relationships, jobs, happiness - and how you can apply and direct its power to achieve your goals and dreams.
A life-changing classic since its initial publication in 1963, The Power of Your Subconscious Mind has opened millions to the unseen force within them.
©2009 Joseph Murphy; (P)2009 Penguin
"THe is a MUST Have Audio Book!!!"
Hi, I never really write reviews but figured this book deserved one. If you follow he examples in this book, and really pay attention to what he is explaining, this book can really turn your life around like it do mine! This book along with another book called The Four Agreements: A Practical Guide to Personal Freedom.
Like a said I do not write reviews, but figured these to book can help so many more people if they new about them.
Thanks and enjoy the books :)
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"Bridges the Law of attraction and Christianity"
I really loved this book! I think it's a bit controversial because anything that has to do with religion generally is. I wouldn't say it's all about religion but it quotes the bible more than a few times so you should definitely know that before purchasing it. For me it bridged the gap I had from completely "buying" the law of attraction. I have read the secret and several other books about the law of attraction but I just didn't buy it. I didn't think it could be as simple as thinking it, visualizing it and it will happen. This book put it in a different perspective for me. I love that he works in a lot of real stories that happened to people he knows. For me, those stories really helped. The most important thing that helped me was that at some point in the book he also addresses the fact that as Christians we sometimes are taught that it's bad so be rich or that it's evil to want for money so we might have conflicts between what we want and what we are "supposed" to want. For example, if you are jealous of someone that has more money than you, you might criticize them for having money but really you want it for yourself. He says those are conflicting thoughts because you are criticizing what you want. Those thoughts are just the reason why you don't have it in the first place. Because on one hand you want it but in essence you are also saying you don't because you are putting that same thing down when you criticize it. According to him you have to get everything in line, your believes, your thoughts, your actions, and your expectancy that what you want, you will one day get. Oh and something else that is important, you also have to give up the how. He says to just believe you will receive it but leave the HOW it will happen up to your subconscious mind to get it for you. You should definitely pick this book up if you feel like the law of attraction doesn't have enough substance this might just do the trick to help you as it helped me.
Pain Psychologist
"Excellence in Psychology"
I am a clinical psychologist who uses hypnosis and psychotherapy to help those with physical pain and emotional pain issues. This book has been very helpful to many of my patients as supplemental work outside my office. Many patients have report the excellence in the blending of spirituality and psychology. The very thing I do in the office is emphasized in this book--with great practicality.
Milton Erikson's hypnosis works.
Mr. Culp has a "superb" voice and wish he did "every" single audiobook.
Your subconscious is the key to happiness or to misery--heaven or hell.
Please have Mr. Jason Culp narrate more books!!!
"the very best book in my entire library !"
where have you been all my life?
there is not one moment that stands out as the entire book is spine chilling and memorable and i have a hard copy at my desk and nightstand to repeat the experience daily!
his voice is clear and understanding
WOW, an energy gone and transformed from the physical but still here leading the way for that which looks for change and understanding....
thank you dr murphy
and may your spirit/energy touch me daily !
"Terrific at so many levels"
I found it beneficial to have this in audio. I was able to concentrate faster in 20 minute segments easily.
Jason has a nice voice and keeps you engaged.
There were several. One about the effect that resentment has and how to release it. Another had to do with bringing things to pass through your thoughts. Finally the thoughts on growing older was right on target.
Extremely insightful in many places. Looking back at my youth and enjoying my 50's with more passion and vibrance, I think this title could be a wonderful addition to your self-help library.
Just to set the record straight, I reviewed Meditation and Psychotherapy accidently as another book I got, unfortunately it will not allow me to change anything but the stars, Audible said you cannot change it or delete. the book is AWESOME! Tara Brach is Awesome! The book I was rating I returned and was aweful. sorry
I have listened to this audible and will listen to it again and again as I am sure I will find tid bits I missed. The information in this book is life changing!
Excuses Be Gone because in that book Wayne Dyer explains how your thoughts create who and what you are.
"Tmeless classic - the "Real Secret""
I listen to it over and over.
When you realize you really CAN control your destiny.
This is a must have for anyone who really wants to take charge of their life and not just complain about their lot in life.
"Awesome information"
One of my favorite that I will always go back to listening. Very good listen. Good explanation of its title. Cause and effect better explained than any other book in regards to subconcious mind and why it works.
"The Power Of Your Subconscious"
Start with a right conscience and listen with a grain of salt. There is good logical information in amongst strange stuff.
Living in the Moment
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IT COVERS ALL ASPECTS OF LIFE. The meditations and prays are great. The book really shows you how to be peaceful and inbthe moment.
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