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VisaHQ.com messed up everything!
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WASHINGTON, DISTRICT OF COLUMBIA -- What can I say? VisaHQ.com a company in the Washington DC area received an application for an expedited passport on Sept.1,2010, we paid for an expedited service (yes we know it was a Labor Day weekend), and had a company letter asking for the passport to be a 1 to 2 day turn around! Instead of keeping us informed about the progress made on our passport application we were told there was an additional delay and that our application would not go to the State Department until Tuesday or even Wednesday at the latest! We were also harassed by the operators at VisaHQ who blamed us for the delay both on the phone and by E-mail. We were told our passport fee was less than the amount needed by the State Department! This was our first clue that something was a miss. We went to the local main post office for our application to be turned in and the postmaster accepted our check for $170.00 he then charged us $25.00 for the swearing in that the information was true and accurate, he packaged up our application, company letter, passport form, pictures and we then took it to a FED EX location for a overnight express delivery ($32.00).
We finally got confirmation that our passport was issued yesterday after 4:00 EDT. Hooray! Finally! (8 days after receiving it, and paying 224.00 for their "service"). So, while we were expecting our passport to be delivered today by Fed Ex at our home address in Washington state, which we paid for, the VisaHQ person sent it to our company home office in PA!? We clearly are upset as this has cost us time, money and stress, we feel it would only be right and a show of good will on VisaHQ part to refund our expedited payment. While VisaHQ blames us and questions us and our ability to give the correct information on the Fed EX form
Company Response 09/13/2010:
As the marketing director at VisaHQ.com I wish to add details that the have been omitted that certainly lend some perspective to this "complaint."
Having placed their online order on September 1st, the applicant failed to ship their required documentation to us within the stated time frame. This delay pushed the process into the Labor day holiday weekend period. It is is also accurate that they did not initially send full payment. Therefore, in the process we have two client caused errors adding to the problems with this application.
Nonetheless, VisaHQ did everything we could to assist and did ultimately secure the travel documents, pushing through the request during the busy holiday period. At no time was the client "harassed" by any member of our staff. I would ask the poster of this review to carefully reflect on their choice of words and recall the details of their interaction with VisaHQ staff.
During the entire process VisaHQ received a large volume of phone calls from the client insisting that we tell them their passport number ahead of its release by the US Department of State. VisaHQ had no power, or the ability to do this (that information is privy only to the passport office until your new passport is shipped). The client then clearly expressed their annoyance, though we were faultless.
On the matter of shipping, the client selected the shipping address; entering the work address, we simply shipped the passport to the address as instructed. Shipping a rush passport to a work address is by no means an unusual request. We presumed that the address had been selected with care.
As the marketing director for VisaHQ, I find it a shame that given the circumstances of this case that anyone has elected to blame us and accuse our company of any wrongdoing. We did everything we could to help push through this application over the busy Labor Day holiday.
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Alain on 09/11/2010:
I would never trust a third party contractor to get my passport or visa for me.
jktshff1 on 09/11/2010:
Thanks, that reminds me, I need to get mine renewed.
Anonymous on 09/11/2010:
Alain + 10
"Jenny" on 09/12/2010:
Alain, We wouldn't have, except we have urgent business and cannot use any other channels...we need our passports with very little notice and unfortunately this was a service that was recommended by a government contractor! to make matters worse, instead of sending the passports to us, they sent them to our employer, who is express shipping them to us, sadly a case of a fool and his money:>}
K Megan on 01/22/2014:
Do not waste your time and money with this company!
They are rude and they are interested in only whether the problem is at their fault or not. No customer service there! They use different ways to count business days, so 3-5day passport service have taken me longer than a week, so I upgraded 1-2 business days, but what do you expect? Now it's the third day already.
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VisaHQ Ripoff on expedited services and shipping costs.
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I paid dearly for an expidited Visa application the Visa HQ.com. It took a full two weeks to receive my Visa, when I only had ten days to receive the Visa before my flight left. That was the purpose for paying the expidited service fees.
I did receive the Visa, but I had to rebook the flight, which cost me over $300 in addition to the original flight ticket cost.
Beyond these problems, they used FedEx to ship my Visa and application to them and to return it to me. FedEx has not received payment from Visa HQ.com, so they are asking me for payment of the shipping costs, both ways.
When I complained, the individual blamed FedEx for the slow shipping, stating that was the cause of the two week time frame. Additionally when I called back after FedEx began billing me, VisaHQ refunded $15. In addition to the shipping charges billed by FedEx, I'm being an additional special handling fee because VisaHQ provided me with a shipping number that didn't exist. That proves premeditation in my opinion.
I'm disgusted that a company like this can continue to operate and rip people off.
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olie on 08/13/2011:
This is a great review.
The U.S. State Department has an amazingly helpful website for travel: travel.state.gov
I didn't dig around much to find out how to get a visa for another country, but the State Department provides various methods for obtaining passports and U.S. visas.
One possibility that might help others is this: Contact your U.S. Representative in Congress or your U.S. Senator. We became best friends with our Rep's local aide when College.olie's passport(ordered 3 months before the mission trip)did not arrive 10 days prior.
Unfortunately, 6 kids from the trip had to make a last-minute trip to Chicago to get an expedited passport--on Friday, the day before departure to the Dominican Republic. (Fees were waived with printouts of the application numbers or some such.)
Guess what arrived in Monday's mail??
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Game Rules Index - Previous - Next
Fortune's Favor Solitaire
1 deck. Easy. No redeal.
Fortune's Favor Solitaire uses one deck (52 cards). You have 12 tableau piles and four foundations.
Aces are moved to the foundations as they become available.
The object of the game
To build the foundations up in suit to kings.
The rules
You may build tableau piles down in suit. Spaces are filled automatically from the waste or stock piles.
When you have made all the moves initially available, begin turning over cards from the stock pile to the waste pile. You can move cards from the waste to the tableaus and to the foundations according to the rules.
There is no redeal.
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assessed. Assessments should examine what students understand about such practices and how they use tools appropriate to that discipline.
The design of high-quality assessments is a complex process that involves numerous iterative and interdependent components. Decisions made at a later stage of the design process can affect those occurring at an earlier stage. Thus, as faculty develop assessments of student learning, they must often revisit their choices of questions and approaches and refine their designs.
Although reporting of results occurs at the end of an assessment cycle, assessments must be designed from the outset to ensure that reporting of the desired types of information will be possible. Providing students with information about particular qualities of their work and about what they can do to improve is crucial for maximizing learning.
For assessment to be effective, students must understand and share the goals for learning that are assessed. Students learn more when they understand and, in some cases, participate in developing the criteria by which their work will be evaluated, and when they engage in peer and self-assessment during which they apply those criteria. Such practices also help students develop metacognitive abilities, which, in turn, improve their development of expertise in a discipline or subject area.
SOURCE: Excerpted and modified from NRC (2001, pp. 2–9). References to support these statements are provided in that report.
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There are dangers to multi-tasking, and if you wear Google Glass, you're inevitably stirring up all sorts of dangers. Walking the street will never be the same, literally, according to this video from Rocketjump. Yet, all of these dangers are avoidable. You can always hurt yourself while walking and checking your phone, in fact, we've written about these things numerous times. However, there is one thing you can never, ever avoid.
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If smartphones came with a mandatory, effective Kill Switch, Americans could be saving around $2.6B a year, mostly in reduced insurance premiums. The number comes from William Duckworth, associate professor of statistics, data science and analytics at Creighton University. Duckworth found that Americans spend approximately $580 million in smartphone replacement every year. On top of that, Americans also shell out $4.8 billion in insurance for their phones. Read more
These New Emoticons Will Help You be Racially Diverse
Mi-Fone, a mobile manufacturing company rallying from Africa is bringing racial diversity to emoticons – those small, expressive facial images that we attach to Tweets and comments when there's no better word. For a while, the internet was in anguish over the not-so-obvious whiteness of all the traditional emoticons, so, now, there's a sigh of relief. Sort of.
RT if you think there needs to be an #emojiethnicityupdate
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'2048′ Leads The Top Free iPhone Apps List This Week
This week's leading free iOS app is 2048, a simple number and tile game. Tiles sharing the name number can be combined by getting swiped together. To win, join all of the tiles to obtain a '2048′ tile. It's a lot harder than it sounds. The tiles move with each swipe, so you're constantly re-negotiation strategies and numbers. You can also play a desktop version.
Below, we've listed the top free iPhone apps of the week. The list links to Inside Network's research about the individual apps, including historical charts, developer information and download information. Read more
'The Long Way Home' is Today's Free eBook
Today's free eBook download is The Long Way Home, a story from Judah Knight about an adventure that would unite two friends in a story about treasure, romance, and healing from love lost:
He had a boat; she needed a ride. The long way home became a ride that would change their lives forever. When Meg was stranded in the Caribbean, her life was dramatically changed through an encounter with an old friend that turned into adventure, danger, discovery, and love. Meg Freeman and Jon Davenport began a surprising adventure connected to a 17th century, shipwrecked Spanish galleon. Read more
Optician: Too Much Smartphone Usage Can Damage Vision
The blue-violet light beaming from your precious smartphone can damage your eyes. Too much exposure to this particular type of light, and you can damage your vision.
That's the latest warning from optician, Andy Hepworth, who warns users that blue "violet light is potentially hazardous to the back of your eyes." Moreover, tests have found that blue-violet light can lead to a higher risk for macular degeneration, otherwise known of blindness.


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Stange name for a training course? Not if you have a bully that lunges, pulls or goes ballistic at the sight of another dog. You know exactly what we are talking about because you know that's what the owners of the other dogs you encounter in your daily routine are probably saying about you and your best friend.
Can we transform your dog aggressive baby into the "belle of the ball"- probably not but "Here Comes THAT Dog" gives you and your short nose guy or gal the skills to manage both of your fears and phobias to manage typical daily encounters. Most importantly, you as an owner will learn how to manage your dog and proactively set them up to succeed rather than simply reacting to bad dog on dog interactions that stress you both.
"Here Comes THAT Dog" is one of the most important classes in our "Training Essentials" series. This five (5) week class begins with teaching you and your dog the core concepts of positive reward based training for the short nose breeds. Our unique Dynamic Lesson Plan format allows our trainer to customize each class to the needs of the participants. This class is specifically tailored to other dog interactions. This is not a dog socialization class- our goal for this class is to help ldogs with significant reactive fright issues learn to react more appropriately.
This class size is restricted to four participants. We will need a minimum participation of 2-3 dogs to make the learning experience from this class effective. We reserve the right to cancel the class is we are unable to meet minimum participation requirements.
SPECIAL NOTE- This class is not an option for any dog that has exhibited any form of aggression toward people. We can direct you to other training alternatives that would be more appropriate before attempting a group class. Our instructor reserves the right to decline future training services to any dog whose behavioral needs exceed the capabilities of this class. Unsued services will receive be transferable to a private session or refundable.
How are trainaBull classes different?
Our core classes are all designed and managed by the trainaBull Academy and led by a bulldog specialist. We do not refer you out to "partners" for a generic class for a referral fee. We own our classes and are proud of our successes. You will not find yourself next to a Golden at one of our classes- we're just bulldogs!
Our classes are exclusive to English and French Bulldogs, Pugs and Boston Terriers and we will have one or more staff members at every session to assure that your dog is getting proper attention. We are not a "one size fits all" training program and all of our classes are geared to the specific needs of the students in each class.
We offer other training options for dog owners who may have needs in between our scheduled classes in the Resources section of our website.
All our classes are open to all English and French Bulldogs, Pugs and Boston Terriers- including breeder, shelter, and rescue bulldogs from any group.
Our group classes are led by reknown instructor Mary Scheffke. Mary has decades of of canine training experience and English and French Bulldogs are her area of specialty. Mary is the lead training and behavioral consultant for adoptaBull English Bulldog Rescue.
We are offering Here Comes THAT Dog! at the following locations and times in 2014 (additional dates and locations to follow:
- All Pets Animal Hospital (Lockport, IL)- Sunday March 2, 9, 16, 23, 30 (11:00AM)
- All Pets Animal Hospital (Lockport, IL)- Sunday July 20, 27 and August 3, 10, 17
- Central Bark (Chicago, IL)- Sunday September 28 and October 5, 12, 19, 26
- Pick your class and add it to your cart. Checkout and submit your payment to hold your spot in the class
- Your Checkout receipt will include a download link to your registration packet. Please watch for this and download the registration packet so you have everything you need to complete your registration.
- Finish your registration by emailing us your bulldog's vaccination information and your participant waiver (included in packet) and completing a brief registration application.


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"In a word the food was awful. Tempura (I use this term loosely because it was not tempura only one skinny piece of fried fish) fish tacos had no taste, the cabbage/slaw on them had not been drained so when you picked up the taco to eat it liquid literally ran out of the other end onto your plate. The veggie burger had promise and did taste good bu""


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|We have been living in our home for about 10 months and winter is upon us. We live in the Pac NW and it has been getting colder, below freezing at night. I have left the bathroom faucet on as a precaution to prevent freeze, I let it run with a narrow stream as to not waste water but also to prevent freezing. We have a home with AFAIK an unheated crawlspace. What is bugging me is that before we bought the house there was no one here for over a year and this home was remodeled. If the seller did not run the faucets during winter and we had a bad one last year, lots of snow; could the pipes have burst? I have peeked in the crawlspace when we had it inspected but I never bothered to go in there, I hate dark places with spiders; and I saw what appeared to be insulation on the ducts and the flooring but I couldn't see if the pipes were wrapped or not. We have those freeze proof spigots on the outside which are disconnected from any hoses and turned off. Should I run the faucets when it is around 32 or wait until the temp drops further? I did this when I lived in TN a few years ago because we had really bad winters but I have not done it here and I am wondering if there is a potential for a leak. I've heard people say they don't bother with it but I also hear people say it's a good idea but do it when it is a little cooler than 32F. What's the recommendation here? Thanks.
Follow-Up Postings:
|You really shouldn't need to do that, but you won't know for sure, and you won't rest easy, until you find a way to monitor the temperature in the crawl space.
If you're really not willing to brave the crawl space (understandable!) try getting a $15.00 indoor-outdoor thermometer and putting the remote part on a long stick that you can shove under there without going in yourself.
You surely won't have any problem until the temperature in the crawl space drops to below freezing, which I'm willing to bet it doesn't. If it does you can turn on the water then.
Keep in mind that in Tennessee (and in Arkansas, where I grew up) they don't build houses with the expectation of much cold weather, whereas up here they are more used to it.
If you do discover you have a problem somebody'll have to get down with the spiders and solve it, but it's doable.
Good luck,
|Thanks Mark. I'd feel better running the faucet but the wife is not into it, thinks the water bill will go sky high. I know the waterbill may go up but I'd rather have a little higher bill than have to pay a ton of money to repair the damage. She won't listen to reason. As far as the crawl space goes, I haven't monitored the temperature but that may be a good idea, I have a thermometer on the outside of the house and it currently reads 25 F. There is about a 20 degree difference between outside and inside temps, before the furnace kicks on. I hope the pipes are inside the walls of the house and not under the crawlspace although it's likely that some are. With the temperature difference I have to assume the crawlspace may be about 5 degrees warmer than outside although that is a liberal estimate, even so I was also told that if you run your faucet it should be around 20 F because the pressure in the pipes staves off freezing at or around 32F before succumbing as pressure drops. Also, last year we had really cold temps and ice and I didn't notice a problem with water flow so I have to assume the pipes are Ok.
- Posted by weedmeister (My Page) on Sat, Dec 5, 09 at 18:18
|If the pipes had burst while the home was unocupied, you'd have known it by now. There would have been water everywhere when you first turned them on.
And eventhough the crawl space is unheated, it still may be warm enough if it is insulated and closed off from the outside. The ground temperature will remain above freezing. Also, if the pipes are behind the insulation, you should have know problems.
BTW: your outside faucets should have shutoffs that are inside so that you can turn them off inside then open them up to drain. Unless they are those REALLY fancy ones where the outside shutoff valve is actually a handle connected to an inside valve. In which case you're fine.
|You should not have to do that...you are simply wasting water. In addition, running water from all of your taps would do nothing to protect the toilet supply lines...and I bet those haven't frozen, right?
What you do need to do is inspect where the lines run. If this is something you can't do yourself, get someone to do it. I live in the Pacific NW, too, and my old house had no wall insulation where the pipes ran; nothing ever froze What you have to understand is that pipes in uninsulated walls are typically at a temperature at least midway between the inside temperature and the outside temperature. So, if you kept the house at 65 F and the temperature outside was at 0 F you'd still not have to worry about freezing. And whenever you run some water during the day, the ground temp is usually about 50-55 F in our area, so that warms the pipes. You will only have problems if you have pipes under the house that are not protected or running through the attic that are above the insulation.
I doubt that any of your other neighbors feels a need to do this to keep their pipes from freezing. If you do an inspection, you can resolve this for good, rather than continue worrying about something that is unlikely to be a problem. If you want to reassure yourself, get a dial thermometer and leave the water to the taps shut off all night. Then open a tap and run the water in the morning and check the temperature. I bet it will be way above freezing, even in one of our cold snaps.
|Thanks all for replying. I believe we have PEX lines down there and they are insulated according to the inspection report from last year. I was concerned because this is the first time we are occupying the home in sub freezing temps (in the teens). The good news is I haven't noticed any significant loss in pressure, although I was alarmed when I ran the faucets for a trickle and then came back later to see them not running. Anyway things are warming up now. The crawlspace is unheated and vented. I only know of one shutoff, the main shutoff in the utility room and that is also a PEX line. But yes I have heard there is a proper way to drain the outside supply lines for the spigots. This fall I had removed the hose from the outside spigot and tightened the knobs.
Probably what I should have done was turn off the main, go outside and run the spigots to clear them, turn off the spigots and then go back in and turn on the main. The spigots are freeze proof legend valves so I am not too worried, even when I saw the two adjacent homes with the same spigots covered.
- Posted by weedmeister (My Page) on Fri, Dec 11, 09 at 10:42
|The crawlspace is vented? Are the vents closed now that it is cold weather?
|Yes. No the vents are not closed because I don't want moisture vapor to buildup in the crawl space. I live in the Pacific NW and we typically get a lot of rain so I must leave them open unfortunately.
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Fri, Mar 09, 2007
With the first flight of Boeing's 787 Dreamliner apparently on
track for later this year, pilots will soon need to start learning
how to fly the composite airliner. CAE is here to help with that...
and the company tells ANN it has sold its first three 787
full-flight simulators: two to Qantas and one to Shanghai Eastern
Flight Training, the training subsidiary for China Eastern
Qantas ordered two B787 FFSs and suites of CAE Simfinity
training devices, including a CAE Simfinity B787 integrated
procedures trainer (IPT) for each suite. It is proposed that each
simulator will feature CAE's next-generation visual solution,
including the new CAE Tropos-6000 visual system and Liquid Crystal
on Silicon (LCoS) projectors. In addition, Qantas' B787 FFSs will
use CAE's new electric motion system. The first B787 FFS will be
delivered to Qantas' training center in 2008.
Shanghai Eastern Flight Training (SEFT) is the first Chinese
carrier to order training equipment for the new B787 aircraft. The
simulator will be delivered in late 2008 to the SEFT centre in
"We are proud to have received our
first simulator orders for the B787 from major airlines. Airlines
that have ordered the Boeing 787 are beginning to address their
upcoming training requirements and CAE is prepared to meet these
requirements with the industry's most innovative and comprehensive
suite of simulation products," said Marc Parent, CAE's Group
President, Simulation Products and Military Training &
Services. "We have a proven track record for building simulators
for new aircraft types and an intense focus on customer support
which makes CAE the ideal B787 training partner."
In addition, CAE has sold a Boeing 737-800 full-flight simulator
to KLM Royal Dutch Airlines.
At list prices, including buyer-furnished data and equipment,
the contracts are valued at $67 million (Canadian) and bring the
total full-flight simulator (FFS) sales that CAE has announced so
far in fiscal 2007 to 33.
The B737-800 FFS for KLM will be delivered in the spring of 2008
to KLM's training centre at Amsterdam Airport Schiphol. The
simulator will feature CAE's next-generation electric motion system
as well as Liquid Crystal on Silicon (LCoS) projectors.
Airborne 12.22.14: More Pilots In Congress, NAHF Class Of '15, JetBlue Sisters Soar!
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Kate Farinholt from NAMI Metro Baltimore reports that they have again updated their guide, Beyond Punishment. The best way to access the most recent version is through the NAMI Metro Baltimore Web site. There are two versions of the guide – one easily downloaded and printed from their website for free, and a bound version for sale on Amazon.com.
The guide is designed to be used as a template, and is clearly marked with sections that have generalizable national information, state-specific info, and local-specific info. NAMI Metro Baltimore is happy to have other organizations use the guide as a template, as long as they reference their source, and let NAMI Metro Baltimore know their plans. NAMI Metro Baltimore also has a relationship with the graphic designer who did their design/format, and that person is happy to help design revised versions – her price is very reasonable.
NAMI Metro Baltimore has already used the booklet to help them develop partnerships with decision makers that they hadn't previously been able to partner with. They invited judges, lawyers and mental health providers to be part a team that wrote and edited the guide. The group determined the content, a few people took on the writing, and then edited as a group. This allowed the partners to really take ownership over the document, and as a consequence, the new partners were also eager to help distribute the guide. The guide is being distributed through homeless shelters, parole officers, public defenders and others because of these partnerships. Kate estimates that NAMI Metro Baltimore gained 100 new individual or organizational partners through this process. She recommends that any other state or local NAMI that wants to use the guide as a template should follow this same kind of process and get their local criminal justice/mental health partners involved.
From: CIT in Action - November 2009
Support NAMI to help millions of Americans who face mental illness every day.Donate today
Inspire others with your message of hope. Show others they are not alone.Share your story
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How Geothermal Works
External Resources
Geothermal isn't a new idea, it has been around since 1904; the Larderello, Italy geothermal field is still alive and productive and is one of the best examples of renewability and sustainability. Geothermal is experiencing a resurgence as a vital clean energy source with improved technology, new construction, and renewed investor interest.
In the US, Nevada has the second largest geothermal potential, which could provide 60% of the State's electricity, short term by 2015: 1,488 MW and long-term by 2025: 2,895 MW. This geothermal revolution could meet the energy needs of almost 2 million homes in Nevada.
Today, there is over 10 GW of geothermal energy installed within 24 countries worldwide. This is projected to increase to 11 GW by 2010. The United States is one of the key countries in increasing geothermal growth and continues to be the global leader with about 3,000 MW installed or 30% of the world total generation.
Geothermal is Natural, Clean, Sustainable Power
Geothermal power is a renewable and cost effective alternative to coal, oil and natural gas fired power plants. Geothermal energy, which is defined as "heat from the earth", is natural, clean, renewable, reliable, efficient and inexpensive to operate.
Geothermal reservoirs of heated water occur in regions of high heat flow and fractured, permeable rock formations. Fractures in the earth's crust allow hot groundwater to rise towards the surface where it may become sealed by impermeable rock. Surface manifestations of geothermal reservoirs include hot springs and geysers.
To access the hot water resource, production wells are typically drilled 4000 to 8000 feet below the surface. The heated water is brought to surface where it is flashed to steam; the steam is used to drive the turbines to generate electricity; and, the residual water is cooled and re-injected underground to recharge the reservoir. There are no surface discharges and very little or no emissions.
Geothermal the Alternative Energy of Choice
Geothermal power plants offer outstanding operational efficiency, low cost, base-load energy (24/7, 365 days a year), 95% + capacity for geothermal compared to 65% for hydro, coal, nuclear and 30% for wind. Unlike gas, coal or oil power plants, geothermal plants require no fuel to operate and thus are unaffected by fluctuations in fuel prices.
Benefits of Geothermal Power
Clean, renewable electricity
Low or no emissions
Proven technology
No fuel required; energy cost not an issue
Low operating costs
Base-load power 24 / 7 / 365 days a year


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10 Hidden Health Conditions
Learn how to spot disorders that are virtually symptom-free
By Jenna Birch
Type 2 Diabetes
If your body doesn't produce enough insulin to break down glucose, a sugar that fuels metabolism, you develop this disorder. It often comes on gradually, as insulin production in the pancreas slows down. "You could have diabetes for years and not know," says Dr. Jampolis. But the disease can damage your eyes, heart, kidneys and nerve endings, she adds. Since June 2009, the gold standard for diabetes screening is the A1C test, which measures the average glucose level in your system over the previous several months from a blood sample—without having to fast before the test. Make sure to get checked for the first time by age 45, especially if you're overweight or have a family history of diabetes.


text: 4 BrilliantKreemK | 09/09/2011 | See all KreemK's reviews (68)If (like me) you loved the first game and were gutted with the travesty that was the 2nd installment, then you will glad to hear that this game is more like the first game - huge fights with hoardes of Chimera, mixed up with massive Chimera mechs - fantastic stuff. Graphics are brilliant too - post apocalyptic towns are done very well. It's also more gritty than the previous games - seeing Chimera ripping people apart - sweet! If you haven't played the first one - buy it now (forget the 2nd - it was gash) and you definitely need this one in your collection (imo)


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Cherokee County
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Alberty, Buffington, Harlan, Parris (Colored) and Taylor
Cemeteries were moved to make Fort Gibson Lake
and are now know as J J Cemetery
(Information was contributed by: Kay Hubbard Thompson)
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All of the following Photos were furnished by Terrill White in Nov2005
Albert Irons
David Parris
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Cornish Alberty
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CPI Aerostructures Hints at Continued Growth
One of the many strategies I apply to gather intelligence on investment prospects is the dissection of company conference calls.
Even though these calls are considered public information, many investors just don't have the time to look beyond a press release. I particularly like the instances when companies conduct interim conference calls between earnings releases, such as investor presentations that may offer insight not found anywhere else.
This is a time to take advantage of newly acquired information while investors often become increasingly complacent and prefer to wait for earnings press releases to monitor company progress. I then look forward to selling my shares to less savvy investors at higher prices when the company reinforces bullish information in its ensuing earnings report.
Subsequent to my initial mention of CPI Aerostructures (CVU) on Feb. 5, 2010, I was eager to listen to an investor presentation replay that took place on Feb. 11. I hoped to attain a better grasp on my assumption that CVU, a structural aircarft parts provider for prime defense contractors, would report a stellar 2009 fourth quarter as well as gain some insights into the growth outlook heading into 2010.I have been on hundreds of conference calls, and I can say that this was one of the most bullish I have experienced. So much so, I added to my position. CEO Ed Fred was articulate and implied several times that his aggressive guidance for 2009, implying earnings of 63 cents per share to 69 cents per share and favorable long-term growth expectations, were still intact.
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On 2000-07-11, Walter Ian Kaye wrote: > At 08:53p +0200 07/11/2000, Jan Roland Eriksson didst inscribe upon >an electronic papyrus: > >>So the answer to your question would be ALT="" > > I *strongly* DISagree, for the following reasons: > > * MSIE displays "(Image)" instead of "" (when image loading is off) Then MSIE is broken. > * Lynx does not show  links If it's a link, the image is not for decoration only. Describe the link instead! > * Old versions of Lynx display "[IMAGE]" instead of "" Then it was broken. > If you use ALT=" " then these problems go away. > Therefore: > > * Important images get captions for ALT This discussion is about unimportant images. (See the subject.) -- Christian Ottosson http://www.sbc.su.se/~christian/Received on Wednesday, 12 July 2000 03:22:39 GMT
This archive was generated by hypermail 2.2.0+W3C-0.50 : Tuesday, 27 March 2012 18:15:43 GMT


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Hata Ramune Soda Strawberry 6.6 oz
Product Number - 17607
Bin Number - 802
Ramune Strawberry is full of fruity flavor. This popular Japanese soda comes in a fun bottle with a marble stopper at the top. Watch the marble swirl around in the drink. Can you get the marble out? Ramune soda is a favorite drink of festival goers looking to cool down in the summer heat. Read more about this Japanese soda and find out about some of our other Japanese beverages.
More Product Information
Having trouble opening your Ramune Soda? Let AsianFoodGrocer.com tell you how!
Remove the white plastic wrapper from around the top of the bottle. DO NOT THROW AWAY THE GREEN PLASTIC CIRCLE! Or else you will have a very hard time opening the bottle. Punch out the plastic plunger from the perforated ring it's attached to, place it in the hole in the thick plastic mouthpiece, and use it to push the marble down into the bottle with gentle yet firm pressure. As soon as you hear the pop sound of the soda opening, remove your hand quickly. If you're not used to opening Ramune, make sure you've got a towel handy because your Ramune may fuzz out of the bottle. Drink chilled and enjoy!
COLD SENSITIVE- Extremely cold weather conditions may cause the soda to burst and spill during delivery. AFG is not responsible for items damaged due to weather conditions.
Nutritional Information
|Amount Per Serving
|Calories From Fat
|% Daily Value
|Total Fat
|0 g
|0 %
|Saturated Fat
|0 g
|0 %
|Trans Fat
|0 g
|0 %
|0 mg
|0 %
|0 mg
|0 %
|Total Carbohydrate
|19 g
|6 %
|Dietary Fiber
|0 g
|0 %
|19 g
|0 g
|Vitamin A
|0 %
|Vitamin C
|0 %
|0 %
|0 %
Serving Size: 6.6 fl oz (200 ml)
Serving per Container: 1 bottle
Net wt. 6.6 fl oz (200 ml)
Carbonated water, sugar, high fructose corn syrup, citric acid, artificial flavor.
- Product of Japan
- Percent Daily Values (DV) are
based on a 2,000 calorie diet
- Not responsible for typos,
inaccuracies, misinformation,
or omission stated or implied.
Customer Reviews
|Thursday May 23 2013 03:27
|by Kendra
|Of all the Ramune's I have tried thus far, this is my favorite. Sooo yummy
|Monday Apr 09 2012 12:17
|by Kimberly
|Absolutely delicious. The best flavor I've tried so far.
|Sunday Dec 12 2010 23:59
|by Bernabe
|Really good clean tasting soda. No chemical after taste which you usually get with american sodas.
|Friday May 21 2010 13:33
|by Pamela
|refrescante bueno
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A peroxide mouth rinse has been used by many people to obliterate the germs in their mouth that produce colds, flu, sore infected gums and also to whiten their teeth. The anti-bacterial as well as oxygenating effects of the hydrogen peroxide will even facilitate the relieve of dreadful breath.
These days more medical professionals along with dentists have become aware of the countless benefits of the peroxide mouth rinse in treating trench mouth, canker sores as well as abrasions brought on by dentures.
It is very important for you to utilize just the very best food grade hydrogen peroxide for the mouth rinse as well as every other hydrogen peroxide usage because the solution sold in drug stores and grocery stores might be full of stabilizers.
To use as a mouth rinse, you make a diluted mixture of food grade hydrogen peroxide plus distilled water. This solution is swished around the inside of the mouth and will work around the dangerous germs and viruses to grant you a refreshing wholesome feeling to your mouth.
It is also exceptionally advantageous any time to gargle with peroxide to make sure there are no unhealthy germs along with viruses staying within your throat This can cause you to have a sore throat, cold and flu. After successfully gargling and rinsing your mouth with food grade hydrogen peroxide make sure to not swallow some of the solution as the concentration used like a mouth wash is just too strong for hydrogen peroxide ingestion.
This is only one of several hydrogen peroxide benefits


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About SEH
About Margaret Swedish »
Books by Margaret Swedish »
Spirituality & Ecological Hope is an exploration of the spiritual meaning of the ecological crisis that now faces our precious Earth. We do this from the vantage point of a consumer-oriented post-industrial society where the changes required to save humanity from disaster are particularly profound.
Our planet is being altered by a confluence of trends that will surely shake our world. Among them:
- global warming and climate change
- consuming beyond the capacity of the Earth to renew the resources we need for life (overshoot)
- the looming energy crunch as we approach peak oil
- a democracy in crisis, undermining our ability to make the necessary policy changes
- war and terror that have opened painful breaches among the human community.
In the short span of this generation, we human beings will have to decide how we are going to pass through this difficult era, whether or not we will survive, what kind of world we will be leaving to our children. To save the fabric of life on this Earth, to keep it from unraveling, we need to begin this work now.
In the societies of the post-industrial West, we face a special moral and spiritual challenge. In the US alone, with just 4% of the global population, we consume 30% of global resources, emit 24% of the greenhouse gases caused by fossil fuel burning, emit 45% of total carbon from auto emissions, and share great responsibility, along with other industrial and post-industrial nations, for a global economic model that has ravaged the Earth and left many societies already vulnerable to collapse.
What values will shape the human journey now? What kind of human beings will we be as we face this crisis?
This site explores these questions. Here you will find information and resources about the crisis, interspersed with reflections on how we shape a new 'spirituality,' in other words, a framework of meaning, a way of life, that reflects our role within a biosphere that sustains us, holds us, from which we emerged, and for which we are right now the greatest danger.
We will also urge you to take action. This new way of life must become reflected in the policies of this nation, and soon. There is much we can do in our personal and political lives to bring about the necessary changes.
We welcome you to this conversation.
Spirituality and Ecological Hope is a project of the Center for New Creation. Your tax-deductible donations are appreciated!
Logo design by Sr. Diane Therese Pinchot, O.S.U.


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Sex, Love, Marriage and Babies
Philip F. Lawler
"Papa loved Mama, so they got married and had babies." Thus does my earnest four-year-old summarize the mysteries of marital love. For scientific purposes that statement is terribly incomplete. For philosophical purposes, it hits the bull's eye.
Contrast the toddler's wisdom with the attitude toward human sexuality revealed by Hillary Rodham Clinton in her tome on child-rearing. Nowhere in that book does the first lady discuss the challenge of preparing youngsters for marriage, or training them to be successful parents to children of their own. Of course that silence might be understandable, since it is the "village," not just mommy and daddy, who raise children in the First Lady' utopia.
A Plaintive Wish:
Far more curious, however, is the book's silence on the issue of sex education. "It takes a Village" skips quickly over that controversial topic, leaving us with nothing more than Mrs. Clinton's plaintive wish that youngsters should postpone sexual involvement until they reach age 21.
Now why should teenagers wait until they are 21? Why not 18? Why not 35? And even if we could somehow establish a working definition of maturity, why should sexual activity be reserved for those who have crossed that threshold? If the purpose of sex is merely pleasure, are not young people entitled to their share? If the purpose is to from emotional bonds, do not teenagers need that support even more than their elders?
Some sober readers might suggest that teenagers should abstain from sexual activity because they are not ready for the commitment it entails. But that premise is manifestly false. Thousands of young couples -a minority, no doubt, but still a significant number- marry, bear children, and begin building a healthy family life while still in their teen. Moreover, the argument about "commitment" begs the question. Why does sexual intercourse involve any more commitment than, say, exchanging Valentines?
Until the advent of modern contraception, that question yielded a simple answer. What made sex unique was the prospect of procreation. Mindful of that prospect, responsible couples saw sexual intimacy as the sign of a profound commitment -not only to each other, but also to the children they might produce. In marriage, a man and woman promised to love one another; in the marital act they extended that love toward a new generation. Yes, there were childless couples; but they formed the exception to the rule. In our common cultural understanding, romantic love implied the promise of marriage, and marital love implied the promise of children.
Once one link of that chain was broken -once the prospect of begetting children was reduced to the status of one more option on a long menu of "lifestyle choices"- our understanding of marriage was destined for a radical change. In his book "Virtually Normal," New Republic editor Andrew Sullivan points out one striking aspect of that change. Making his case for the legal recognition of same-sex marriages, he argues: "the heterosexuality of marriage is intrinsic only if it is understood to be intrinsically procreative; but that definition has long been abandoned by Western society." If Mr. Sullivan's premise is correct, then his logic is inexorable. If the act of sexual intercourse is robbed of its distinctive quality -its fecundity- then there is not rational explanation for a public policy that restricts that franchise to heterosexuals.
Our society has already suffered profound damage because of an attitude that treats sexuality as a means of casual recreation detached from all responsibility. The sexual revolution -facilitated by the birth-control pill- has brought in its wake epidemics of teen pregnancy, venereal disease, abortion, divorce, child abuse, and illegitimacy. All of these social complaints are symptoms of the same disease.
Parenthood, on the other hand, entails enormous responsibilities. Young mothers and fathers routinely sacrifice their own pleasures to ensure the security of their children. Parents look beyond their own welfare, and take an interest in the sort of world their children -and perhaps even their grandchildren- will inhabit. Noticing the abundant demographic date that show married couples are more successful than their single neighbors (healthier, wealthier, more likely to vote, to save money, and to contribute to charities, etc.), Mr. Sullivan reasons that homosexuals will also become better citizens when they are allowed the option of legal marriage. But it is not the possession of a marriage license that transforms impulsive young men and women into mature and responsible adults; it is the presence of children in the household.
Laws Will Fall Into Line:
Since 1996 is an election year, presidential candidates are trumpeting "family values," and Christian activists are circulating petitions to bar legal recognition of homosexual unions. But this problem will no admit a simple political solution. If our conception of marriage has really undergone a radical change, eventually the laws will fall into line with the new understanding; if the framework of "traditional marriage" has been gutted, eventually the building must collapse.
Fortunately, the logical and metaphysical links between love and marriage, sec and babies are still unbroken -if not in best-selling books, at least in thousands of happy American homes. Eventually our intellectual elite may recover the wisdom of that four-year-old sage. In the long run, it is difficult to ignore one salient truth about the human reproductive system: that it is, after all, designed so that humans will reproduce.


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A break-through line of big game ammunition that combines many of the best performance features developed over the last half-century. The remarkable Swift™ Scirocco Bonded bullet which combines polymer tip ballistics with weight retention is unquestionably the most advanced polymer tipped bullet ever to sit atop a factory load. Of course, our precision loading process — using the finest available components — ensures that it's delivered with quality unmatched by any other brand.
The Scirocco cut-away shows how the unique combined design features make our new Premier Scirocco line some of the most versatile and reliable big-game ammunition offered today. The expansion-generating polymer tip and the boat tail base combine to defy air resistance at the front end, and reduce drag at the back. The progressively thickening, heavy-based, pure copper jacket is bonded to the lead core to preserve bullet integrity and retain over 75% of its weight at all velocities. Finally, the bullet's precise concentricity and secant ogive nose profile produce accuracy you would be proud of in match competition.
© Remington Arms Company, LLC. All rights reserved.


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Journal Sentinel business reporter Tom Daykin talks about commercial real estate and development.
Former Gallun tannery site eyed for possible apartments
The six-acre former Gallun tannery site, which overlooks the Milwaukee River north of downtown, is under contract for a potential apartment development by Fiduciary Real Estate Development Inc. and Opus Development Corp., the two firms said Wednesday.
"Though there is no definitive plan for a development, the site's location on the river and accessibility to downtown Milwaukee would make it an excellent location for a multi-family development," said a statement issued by Fiduciary and Opus.
"The potential project is in the preliminary stages. At this time, Opus and Fiduciary are doing initial due
diligence on the site," the statement said. »Read Full Blog Post
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Everytime I see one of your stories I picture a developer standing with his hand out for a government loan, grant or another TIF.
How about some more overpriced condos?
Wait until the developers put their hand out for the massive amount cash they will need to get rid to the hazardous waste and chemicals poured into the ground below the tannery. There was actual flourescent green slime bubbling up in the basement (dirt) floors on that site. Don't worry though, I am sure they will dump the "affordable" "working poor" "rent subsidized" housing over the contaminated parts.
Comments »
Read and share your thoughts on this story.


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On Wednesday the NCBI released an Images database, compiled from full text resources at the NCBI – initially PubMed Central articles. The images can be searched by several parameters, e.g. figure caption or author.
Using this database, images are now displayed together with the PubMed abstract for PubMed Central articles. More info about these changes can be found in the NLM Bulletin.
NCBI adds searchable images database by PLOS Blogs Network, unless otherwise expressly stated, is licensed under a Creative Commons Attribution 4.0 International License.


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Get Pointy Noise
Hi buddies,
I have a big nose and it makes me fell ugly in my friends circle! I just want to get my nose reshaped. Can this be possible without surgery? Is there any product available online that can easily reshape nose without undergoing surgery? Please provide some suggestion here!!
Thank you all!
Rhinoplasty surgery is best to get your nose corrected, this procedure takes maximum 2 hours.
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Definitions for occupancyˈɒk yə pən si
This page provides all possible meanings and translations of the word occupancy
Random House Webster's College Dictionary
oc•cu•pan•cyˈɒk yə pən si(n.)(pl.)-cies.
the act, state, or condition of being or becoming a tenant or of living in or taking up quarters or space in or on something.
the possession or tenancy of a property.
the act of taking possession, as of a property.
the term during which one is an occupant.
the condition of being occupied.
the use to which property is put.
Origin of occupancy:
Princeton's WordNet
occupancy, tenancy(noun)
an act of being a tenant or occupant
occupation, occupancy, moving in(noun)
the act of occupying or taking possession of a building
"occupation of a building without a certificate of occupancy is illegal"
The act of occupying, the state of being occupied or the state of being an occupant or tenant
The period of time during which someone rents or otherwise occupies certain land or premises
The specific use to which something occupied is put
Occupancy in building construction and building codes is the use or intended use of a building or part thereof for the shelter or support of persons, animals or property. A closely related meaning is the number of units in such a building that are rented or leased, or otherwise in-use. The lack of occupancy in this sense is a vacancy.
Find a translation for the occupancy definition in other languages:
Select another language:
Discuss these occupancy definitions with the community:
Use the citation below to add this definition to your bibliography:
"occupancy." Definitions.net. STANDS4 LLC, 2014. Web. 20 Dec. 2014. <http://www.definitions.net/definition/occupancy>.


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Take advantage of rain events as much as possible to conserve water! It's free and rainwater is always better for plants than treated tap water, mainly due to its nitrogen content. Collecting rainwater is beneficial for preventing erosion too.
Even if you don't have specific plants or gardens to water, it's still beneficial to capture the water and release it slowly over the days following a rain storm. Releasing it slowly allow more water to penetrate the ground, and again, prevents erosion--less of your soil will flow off the property with the water!
You can take advantage of another, free and more constant, water source, your air conditioner condensate! Collect it in the same barrel as your rainwater for continued water savings. With our hot temperatures, our air conditioners are running more than ever, creating that little stream of water throughout the day that keeps the side of your yard wet and the grass green! This is basically distilled water that can be reused the same water rainwater can.
Water Harvesting Rebate
Beginning June 1, 2013, the City is offering a rebate on water collection to direct City of Round Rock water customers! The rebate amount is based on the total capacity size of your collection system at $0.50 per gallon, with the maximum rebate amount of $400. (So, if you purchase a 500-gallon tank, the rebate would be 500 x 0.50 = $250)
In order to qualify for the rebate, the barrels, tanks, or cisterns used to collect water must be new (purchased since June 1, 2013) and must include an overflow tube and screens. Barrels purchased directly from the City of Round Rock not eligible for the rebate.
See the application for complete rules and details. Submit the application once the barrels or tanks are installed, along with the purchase invoice. You will be contacted for an inspection of the system.
Local SuppliersYou may purchase the barrels and tanks from any vendor you choose for the rebate program. Here's just a short list of area retailers* where I've found them: (*please note, this isn't an all-inclusive list)
Remember, rainwater harvesting components are tax-exempt per state law. Rainwater harvesting is permitted within the City; HOAs cannot prohibit it, however they may dictate where the tanks be located on the property.
Using rainwaterUse collected rainwater on gardens, indoor and outdoor potted plants, and beds or to refill ponds and birdbaths.
Avoid overwatering the yard. Remember, overwatering or watering turf to its saturation point does not leave space at the top of your soil to be able to take in rain. When a yard is watered each time to its saturation point, free, good rainwater will simply runoff into the street. Irrigation systems are meant to be supplimentary to rainfall.
City rain barrelsWhen they are available, the City's Water Treatment Plant sells 55-gallon repurposed barrels (see picture at right) for use as rain barrels for a nominal price per barrel. They are available on a limited basis to City of Round Rock water customers. These barrels are not eligible for the rebate.
Currently, they are out of stock. Information will be posted when they are once again available, or contact the City's Water Laboratory at 512-218-5573 with questions.


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I love Christmas. It is by far my favourite holiday. I love decorating my home, shopping for presents and celebrating with family.
DIY Stenciled Rug
transform a rug with paint
by: Sarah Gunn
I have recently discovered Royal Design Studio and fell in love with their line of stylish and pretty stencils. My first project was a bookcase that I loved so I was feeling brave enough to try something a little different.
One Bookcase, Four Looks
Pretty and Inexpensive Ways to Transform A Bookcase
by: Sarah Gunn
I recently gave a bookcase in my living room new life by adding a coat of paint and a gorgeous Royal Design Studio to the back.
I love the results but I also want to share other, less permanent, ways to add some colour and pattern to the back of a bookcase.
Gorgeous Bookcase Makeover & A Giveaway!
Using stencils to give furniture new life
by: Sarah Gunn
I recently tweeted my love for Royal Design Studio, a stencil company that has the prettiest designs I have ever seen. I was beyond excited when they then asked if I would be interested in trying one out and was even more excited when they offered one for me to give to one of YOU {keep reading}!


text: NTB-National Tire & Battery Automotive Customer Sales Associate TBC Corporation Austin, TX 11/28/2014 Save Job Sign in Now Email Print Report Apply Now Job Description CAREER OPPORTUNITY with NTB-National Tire & Battery as an Automotive Customer Sales Associate for our HIGH-VOLUME stores in the area Join the nation's largest and fastest growing independent tire and automotive service retailer! National Tire & Battery offers a highly-competitive base salary and a comprehensive benefit package which includes Medical, Dental, Vision & Life Insurance; Short & Long- Term disability; Paid Vacation & Personal Days; Career Path & Advancement Opportunities; industry-leading Bonus/Commission Plan. As the Automotive Customer Sales Associate, you will sell tires, tire-related services and mechanical services in a National Tire & Battery retail store. You will be responsible for assisting the customer, in compliance with company policies and procedures in selecting the appropriate services and products necessary for the safe and efficient operation of the customer's vehicle. This position will exemplify the highest level of customer service and professional integrity. Basic Duties & Responsibilities: Exceed performance standards for tires, tire service, mechanical service sales and margin. Achieve a thorough knowledge of all products, services, warranties and maintenance issues. Keep up-to-date through training and vendor publications. Adhere to NTB-National Tire & Battery policies and procedures. Handle special orders as requested. Maintain a customer tickler file to use as a future sales tool. Make customer calls daily. Assist other sales or service associates as needed, in an effort to exceed our customer's expectations. Help maintain the appearance and cleanliness of the building and perimeter areas. Assist in receiving or transferring goods and maintenance of the inventory including unloading trucks and warehouse stocking. Maintain showroom merchandise. Follow all safety practices as outlined in policy and procedures. Job Requirements Minimum Job Requirements: A history of successful retail sales experience - experience in selling tires, tire-related services and/or automotive services highly desirable. Exceptional customer service skills and a highly motivated, dynamic personality. Familiarity with a POS software system to generate estimates and invoices a PLUS. Must be comfortable in an automotive retail / vehicle repair & maintenance environment. Strong telephone, verbal and written communication skills. --------------------- Minimum age requirement is eighteen years. Possession of valid, current driver's license. Able to lift 50 lbs, and continuously move around all areas of the store. Ability to work a flexible retail schedule including weekends. Interested applicants meeting all requirements above, apply immediately! When answering "How did you hear about this job?" please make sure to select "Internet Job Board" and select "CareerBuilder" in the "Specific Source" field. TBC Retail Group is EOE and maintains a drug-free work environment. Job Snapshot Other Pay Industry-leading pay & benefits Employment Type Full-Time Job Type Automotive, Customer Service, Sales Education High School Experience Not Specified Manages Others Not Specified Relocation No Industry Automotive - Motor Vehicles - Parts, Retail Required Travel None Job ID CSA AUS Apply Now Not ready to apply? Join our Talent Network


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Song New Heights Band Peaches C#m A B E |e|---4-------0-----2-----0-----------| |B|---4-------0-----2-----2-----------| |G|---6-------2-----4-----2-----------| |D|---6-------2-----4-----1-----------| |A|---5-------2-----4-----0-----------| |E|---4-------0-----2-----0-----------| Intro: C#m A B E -B Verse 1: C#m A You say good morning, and good evening B E B The day is done, and you've come to find C#m A The words are fleeting, I hear your quiet breathing B E B Is something wrong? C#m A You come on two knees, with more than two needs B E B Finding that it's all too easy C#m A To be helped and found B pause E B You slept and he said Chorus: A B C#m E It is in you, to carry on A B C#m E It is in you, to lay down fears that hold A B E-B-C#m-B-A It is in you, to find your way home Verse 2: C#m A Daylight's coming, the sun is blazing B E B New beginnings seep into you C#m A But in the end it's distant shadows B E B That finally overwhelm your senses C#m A And this time around B E B Is it love that you crown? C#m A And this time around B E You'll be more than who you are Bridge/Instrumental: A E B Could you find yourself a way home? i got it from djk and i tried to fix it to make it more simple for guitarist. Im jerick C.M. I like this song from jubilee project
Popular Peaches tabs & chords
Song lyrics
↑ Back to top | Tablatures and chords are parodies/interpretations of the original songs. You may use it for private study, scholarship, research or language learning purposes only


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Hailing its roots from the much-prized Modern Didot and Bodoni families of the late 19th century, Pyes Pa re-introduces the intuition of calligraphic script while utilizing the contrast available to contemporary digital fonts to produce a highly refined alternative for those of us who are bloody serious about our Bodoni Poster Italics.
Pyes Pa features automatic OpenType ligatures and contextual alternatives.
Categorized in Modern


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February 10, 2014 at 6pm to March 16, 2014 at 12:45pm – www.cocotutti.com We are kicking off our new chocolate bars with an opportunity for you to win – just name our new bar line! We can't make anything bland and brown, ours are colorful and filled with soft ganache and… Created by Elyce Zahn | Type: competition
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© 2014 Created by Clay Gordon.


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December 2014 M T W T F S S « Nov 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
Asma-ul-Husna – The beautiful names of God
Islamic daily quote
Blog Stats
- 7,749 hits
Tag Archives: Prophet
Post Ramadan
Mourning the passing the month of mercy, Sad, my sun has set taking with it that divine light that illumined each heart Made us good Despite ourselves. The light exists yet you know It is there, somewhere deep inside, speaks … Continue reading
Posted in Poems Tagged after ramadan, control appetite, muslim, peom, Prophet, ramadan Leave a comment
Reminding myself
Assalamu alaikum, Peace to all. I wanted to share two excellent articles I came across on Suhaib Webb's virtual mosque, reminding me first about the nature of our beloved. I ask your prayers to help me be more like him … Continue reading
Posted in Interfaith, Musings, Talks on Islam Tagged character, islam, Muhammed, Prophet Leave a comment
Like Pharoah
This poem was a result of many musings stimulated by dear friend's facebook status posts as the crisis in Egypt unfolded. While that in itself is something to blog about (and inshaAllah reflections on it to come soon) here is … Continue reading
Posted in Current affairs, Poems Tagged Democrasy, ego, Egypt, enough, Justice, Mubarak, muslim, Nation, Pharoah, power, president, Prophet, Revolution, Shock and awe, truth, Unrest 2 Comments


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The South African government has increased investing in space technology in order to build capacities within the country as well as to attract commercial space interests.
NRSC's largest core area in humanitarian aid is health and care.
The mission of the Ministry of Agriculture, Water and Forestry is to realize the potential of the agricultural, water and forestry sectors towards the promotion of an efficient and sustainable soci
The Directorate exists to develop a functional national disaster risk reduction system that minimizes community vulnerability to hazards and effectively manages the impact of disasters within the c
Supplier of innovative small and medium-sized satellite systems SunSpace says its Sumbandila satellite has paved the way for further research and development into the requirements of a future, loca
South Africa's second satellite, SumbandilaSat, is no longer fulfilling its main purpose due to technical problems and is essentially beyond repair, its maker SunSpace says.
Malareo is focusing to develop technology and implement earth observation data that contributes to the fight against malaria in southern Africa.
Fulfilling a mandate from the ENHANS International Workshop on Extreme Natural Hazards and Disaster Risk in Africa which was held in Pretoria, South Africa, in January 2011, a comprehensive recomm
South Africa was ill-prepared for the heavy summer rains that have caused flooding in eight of the country's nine provinces since mid-December, according to disaster management experts and of
The Extreme Natural Hazards And Societal Implications (ENHANS) International Workshop on Extreme Natural Hazards and Disaster Risk in Africa was held in Pretoria, South Africa, from 17 to 20 Januar
© 2014 UNOOSA - All Rights Reserved


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NATO: Bomb kills 2 service members in Afghanistan
July 26, 2012 - 3:39 PM
KABUL (AP) — NATO says a bomb has killed two of its service members in southern Afghanistan.
The statement from the U.S.-led coalition did not provide the nationalities of the two nor any other details of the Thursday attack.
The deaths bring the number of foreign troops killed this month to at least 38, and the total for this year to at least 253.
(Copyright 2012 Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed.)
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SUMMARY: According to MarketingSherpa data, the average ecommerce shopping cart has a 59.8% abandonment rate. (Can you imagine a retail store line with 60% of filled carts standing there abandoned by shoppers?)
Discover the practical cart design lessons one marketer learned from multivariate tests conducted this year. Turns out seemingly insignificant cart design factors can raise conversions. Which ones exactly? Click below to find out.
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|New Revised Standard (NRS)
|New International Version (NIV)
|9 In the fourth year of King Hezekiah, which was the seventh year of King Hoshea son of Elah of Israel, King Shalmaneser of Assyria came up against Samaria, besieged it,
|9 In King Hezekiah's fourth year, which was the seventh year of Hoshea son of Elah king of Israel, Shalmaneser king of Assyria marched against Samaria and laid siege to it.
|New Revised Standard Version Bible, copyright 1989, Division of Christian Education of the National Council of the Churches of Christ in the United States of America. Used by permission. All rights reserved. (New Revised Standard Bible Version Online)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


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The Right to Trial by Jury in Bankruptcy Cases: Waiver and Enforceability
by: Rebecca H. Simoni
von Briesen & Roper S.C., Milwaukee
Lauren A. Schwarz
von Briesen & Roper S.C., Milwaukee
Your client is getting ready to sign an agreement with another party. Maybe it is a loan document. Maybe it is an offer to purchase. Somewhere near the end of the agreement, you see that there is bold, capitalized language indicating that by signing the agreement, your client will waive its right to a trial by jury. It is standard in nearly all contracts so you do not even bat an eye about advising your client to sign. After all, what are the benefits of having your case heard by a jury? Jury trials take longer, and juries are unpredictable.
But perhaps before you advise your client to sign on the dotted line, you should consider why your client might want a jury trial. A jury may be more sympathetic to your claims than would a judge. This may be particularly true if you represent an individual against a big, rich company. And when do individuals often face off against big companies? In bankruptcy court. But can you even ask for a jury trial in bankruptcy court? Youve never heard of such a thing.
The answer is yes. Under certain circumstances, a bankruptcy court can conduct a jury trial. This article will discuss when a party in a bankruptcy suit has the right to have its case decided by a jury in lieu of a district or bankruptcy court judge. More importantly, this article will also discuss how parties often waive their right to a jury trial, both intentionally and unintentionally, and whether such a waiver will ultimately be enforced.
The Right to Trial By Jury
The Constitutional Right
The Seventh Amendment to the U.S. Constitution guarantees the right to a trial by jury in certain civil suits. The Constitution only guarantees this right for trials held in the federal courts and has not been extended to state court proceedings.
Because the right to a jury trial is only extended to certain civil suits, this begs the question: in which civil suits is the right to a jury trial guaranteed? The Seventh Amendment uses the phrase suits at common law. The United States Supreme Court has consistently interpreted the phrase suits at common law to refer to suits in which legal rights were to be ascertained and determined, in contradistinction to those where equitable rights alone were recognized, and equitable remedies were administered. Granfinanciera, S.A., et al. v. Nordberg, 492 U.S. 33, 41 (1989), quoting Parsons v. Bedford, 3 Pet. 433, 447 (1830) (emphasis in original).
The Jury Demand
The federal courts have held that the right to a jury trial in federal court is to be determined as a matter of federal law. See, e.g., Smith v. Lucent Tech., Inc., No. 02-0481, 2004 U.S. Dist. LEXIS 4074, *58 (E.D. La., Mar. 15, 2004). If a party seeks to have its case heard and decided by a jury in circuit or district court, that party must make a timely request. Demands for a jury trial are governed by Federal Rules of Civil Procedure 38 and 39. In re Inacom Corp., No. 00-02426, 2005 U.S. Dist. LEXIS 19117, *7-8 (D. Del., Sept. 6, 2005). If a party makes an untimely request for a jury trial, district courts are to consider five factors in determining whether to grant such an untimely demand:
(1) whether the issues are suitable for a jury;
(2) whether granting the motion would disrupt the schedule of the court or the adverse party;
(3) whether any prejudice would result to the adverse party;
(4) how long the party delayed in bringing the motion; and
(5) the reasons for the failure to file a timely demand.Id. at *9.
Analyzing the Cause of Action
If a timely request is made, then the court will examine the cause of action at issue to determine whether the party is entitled to have its claim heard by a jury. In Granfinanciera, to determine whether a party is entitled to a jury trial under the Seventh Amendment, the U.S. Supreme Court held that the court must:
[F]irst compare the statutory action to 18th-century actions brought in the courts of England prior to the merger of the courts of law and equity. Second, the court must examine the remedy sought and determine whether it is legal or equitable in nature . . . If, on balance, these two factors indicate that a party is entitled to a jury trial under the Seventh Amendment, the court must decide whether the U.S. Congress may assign and has assigned resolution of the relevant claim to a non-Article III adjudicative body that does not use a jury as factfinder.
Granfinanciera, 492 U.S. at 42. The second step is of utmost importance because the Seventh Amendment only guarantees the right to a jury trial for legal, and not equitable, rights. If the claim at issue is only in equity, a jury trial will not be allowed.
The third step, determining whether Congress has assigned resolution of the claims to a non-Article III court, refers specifically to the bankruptcy courts. In this regard, 28 U.S.C. §157(e) states:
If the right to a jury trial applies in a proceeding that may be heard under this section by a bankruptcy judge, the bankruptcy judge may conduct the jury trial if specifically designated to exercise such jurisdiction by the district court and with the express consent of all parties.
One must assume this language refers to the civil proceedings that may be heard to conclusion by bankruptcy judges. 1 Collier on Bankruptcy ¶3.08[3] (15th ed. 2007). With regard to the second part of 28 U.S.C. §157(e), it is likely that a district court can enter a standing order giving bankruptcy judges the general authority to conduct jury trials rather than requiring the district court to grant authority on a case by case basis. Id. Lastly, all parties must consent to a jury trial by the bankruptcy judge.
Strategy For Requesting or Waiving Jury Trial
As in other federal civil litigation, the decision to exercise the right to a jury trial is one that counsel should consider carefully in bankruptcy matters. In matters where the issues to be decided are complex, or where one party is particularly unsympathetic, it may be in that partys best interest not to request a jury trialeven if the right to a jury trial exists. Other issues such as timing (jury trials often take longer to get to trial), the cost of delay in resolution, and the particular judge presiding over the trial may also factor into the decision to request a jury trial.
Contractual Waiver of The Right to Trial By Jury
Even if the parties to a suit are entitled to a jury trial, most courts have concluded that this right can be waivedeither at the beginning of the proceedings, or in advance of the dispute. See Smith, 2004 U.S. Dist. LEXIS 4074 at *59, but see Grafton Partners L.P. v. Superior Court, Cal. Sup. Ct. No. S123344 (Aug. 4, 2005) (California case not allowing waiver in advance). Perhaps the most common way in which a party can waive its right to a jury trial is by contract. When one party to the contract tries to enforce the waiver against another party, federal courts undertake an analysis to determine whether the waiver provision is enforceable. Federal courts have held that [w]aiver requires only that the party waiving such right do so voluntarily and knowingly based on the facts of the case. Smith, 2004 U.S. Dist. LEXIS 4074 at *59. The burden of proving a voluntary and knowing waiver is on the party seeking to enforce the waiver. Timber Doodle Glade Equity Venture LLC v. D.E. Shaw Laminar Lending Inc., No. 06-CV-00799, 2007 U.S. Dist. LEXIS 92109, *4 (D. Colo., Dec. 4, 2007).
Jury waivers are to be narrowly construed, and any ambiguity should be decided against the waiver. Phoenix Leasing Inc. v. Sure Broadcasting Inc., 843 F. Supp. 1379, 1388 (D. Nev. 1994). This is because a presumption exists against waiver. Solutia Inc. v. FMC Corp., 456 F. Supp. 2d 429, 454 (S.D.N.Y. 2006). The factors a court must consider in determining whether a contractual waiver of a right to a jury trial was made knowingly and voluntarily include:
(1) the negotiability of contract terms and negotiations between the parties concerning the waiver provision;
(2) the conspicuousness of the waiver provision in the contract;
(3) the relative bargaining power of the parties; and
(4) the business acumen of the party opposing the waiver.
Id. Additionally, several courts have incorporated an analysis of the scope of the waiver as an unofficial fifth factor. See, e.g., Boyd v. U.S. Bank National Association, No. 06-2115, 2007 U.S. Dist. LEXIS 72455 (D. Kan. Sept. 26, 2007)
In Boyd and in Phoenix Leasing Inc., the courts analyzed each of the factors.
With regard to the negotiability of the contract terms, the court in Boyd first looked at whether the party against whom the waiver was being enforced attempted to negotiate the waiver out of the contract. Boyd, 2007 U.S. Dist. LEXIS 72455 at *66. If parties did not attempt to negotiate the removal of the waiver provision, the Boyd court was unsympathetic to the party against whom enforcement of the waiver is sought. Id. Furthermore, if the party against whom the waiver is sought to be enforced was able to successfully negotiate any other term of the contract, this is further evidence that the party bound by the waiver provision could have attempted to negotiate it out of the contract. Phoenix Leasing, 843 F. Supp. at 1384.
When analyzing the conspicuousness requirement, the Boyd court implied that unambiguousness and understandability are tied in with conspicuousness. Boyd, 2007 U.S. Dist. LEXIS 72455 at *62. Is the waiver capable of being understood by the party being bound by it? Is the waiver clearly written? The court also examined the position and font of the waiver in the contract. Id. In Boyd, the waiver provision at issue was in all capital letters and in bold font, and therefore met the conspicuousness test. Id. Lastly, the waiver was not buried in the document. Id. In another case, the court found that the waiver was conspicuous because it was placed right above the signature line and was the only other thing on the signature page. See Phoenix Leasing, 843 F. Supp. at 1384.
Bargaining Power
The Boyd court held that this factor includes consideration of whether the parties entered into the transaction on relatively even footing. Boyd, 2007 U.S. Dist. LEXIS 72455 at *62. To make this determination, the court examined whether there was evidence that either party was in financial difficulty or under duress. Id. at *63. Without the presence of difficulty or duress, the Boyd court implied that the disparity in bargaining power would not be sufficient to constitute the necessary gross disparity. Id. Furthermore, the court in Phoenix Leasing held that the ability to take out a loan, which was integral to the facts of that case, is not a necessity of life such that the party was compelled to accept the loan terms as they were offered. Phoenix Leasing, 843 F. Supp. at 1385. Thus, there was no difficulty or duress present. The Phoenix Leasing court also ruled that this factor alone should not invalidate an otherwise valid contractual waiver of the right to a jury trial. Id.
Business Experience
The court in Boyd stated that large disparities in education and familiarity with the commercial process can permit an overreaching party to turn the other partys lack of knowledge into an unfair advantage. Boyd, 2007 U.S. Dist. LEXIS 72455 at *65. However, if the parties are represented by counsel during the contract negotiations or if the parties have had previous business experience, the court in Phoenix Leasing made it clear that this is sufficient to constitute the requisite business experience or acumen to allow the waiver provision to be enforced. Phoenix Leasing, 843 F. Supp. at 1385.
In In re Southern Industrial Mechanical Corp., 266 B.R. 827 (W.D. Tenn. 2001), the court ruled that the bank extending the loan to the debtor had allowed the debtor to borrow several million dollars over the prior two years. Id. at 832. The court viewed this as proof that the debtor has sufficient business experience to satisfy the requirement. Id.
Lastly, the court in Boyd held that in order for the waiver provision to apply, the current dispute before the court must fall within the scope of the waiver provision. Boyd, 2007 U.S. Dist. LEXIS 72455 at *66-67. Courts are divided as to how narrowly to construe this scope requirement. Some courts have held that the claim at issue in the case must be related to the subject matter of the contract and arise out of the contract. Id. at *68. Other courts have held that it is sufficient that the claims arose out of the same transaction or occurrence. Id. at *69.
Waiver of The Right to Trial By Jury By Filing a Proof of Claim
Besides a contractual waiver, a creditor can waive its right to a jury trial by filing a proof of claim. In Granfinanciera S.A., et al. vs. Nordberg, the U.S. Supreme Court held that if a creditor submits a proof of claim against the bankruptcy estate, it waives its right to a jury trial, at least with respect to counterclaims based on one of the avoiding powers. Id. at 59. This is because a creditor who files a proof of claim triggers the process of allowance and disallowance of claims, thereby subjecting himself to the bankruptcy courts equitable power. Langenkamp v. Culp, 498 U.S. 42, 44 (1990). As stated above, a party bringing a claim that is equitable in nature is not entitled to a trial by jury.
Many parties are not aware that the filing of a proof of claim triggers waiver of the right to a jury trial (as well as waiver of most jurisdictional defenses). Thus, parties should carefully consider whether they want to waive their right to a jury trial before hastily filing a proof of claim.
It is clear from the Supreme Courts decision in Granfinanciera that, under certain circumstances, district courts can hold jury trials in bankruptcy proceedings. Furthermore, 28 U.S.C. §157(e) explicitly allows bankruptcy courts to conduct jury trials so long as the statutory requirements are met. Since the right to a jury trial is available in some cases, all lawyers, future debtors and future creditors should be very careful before waiving their right to have a jury hear and decide their case. Parties should pay particular attention to waivers contained in contracts or agreements, but should also be aware that the Supreme Court has decided that a creditor who submits a proof of claim to the bankruptcy court thereby waives his or her right to then request a trial by jury. From the discussion above, it is clear that unless a party can prove that it did not waive its right voluntarily and knowingly, it will be bound by its actions.