text: Volume 28 Issue 2 • April 2012 www.MyLawyersMutual.com WHICH TIME, BILLING & ACCOUNTING SOFTWARE IS BEST FOR MY FIRM? I t is rare for a start-up law firm to choose to software programs are basically the checkbook maintain the firm's accounting books and of the firm, making it relatively easy for a small records manually. With so many affordable firm to pay bills while tracking every expense small business accounting software applications detail in an electronic ledger. Accounting available to help firms with the unique tasks software programs go beyond what a small associated with tracking the flow of money, it no business would ordinarily get from a manual longer makes sense for a firm to manage money bookkeeping set-up by incorporating tools to simply using checkbooks and a ledger. The make time-consuming tasks easy. Tasks such question for lawyer is: "What is the best billing as reconciling a monthly bank statement can go and accounting system for me?" very smoothly using the special tools available By Todd C. Scott in accounting software programs. These software Like all software purchasing decisions, choosing programs generally range in price from $50 VP of Risk Management a system can be complicated and expensive – to $250 and usually meet the firm's basic especially if a firm buys more than it needs. But accounting needs right out of the box after going before deciding what software product is right for through a short set-up process. the firm, it must first narrow its choices by taking (continued on page 2) into account some practical considerations. For example, if the firm's bookkeeper has extensive experience in a particular accounting product, MLM ANNOUNCES 24TH Featured: CONSECUTIVE DIVIDEND TO choosing a different, unfamiliar tool for managing Which Time, Billing & Accounting Software is Best the firm's finances may not be the best option POLICYHOLDERS for My Firm? ....................1 for the firm. Moreover, some accounting tools may be designed specifically for the needs of law Minnesota Lawyers Mutual Insurance Company MLM Announces 24th firms, but if the firm works closely with an outside (MLM) is once again returning money to its Consecutive Dividend ......1 policyholders – in the amount of $1.7 million! accounting firm for help with payroll and tax, the Policyholder dividend checks have been mailed recommendation from the accountant may be to Service out and shared among policyholders who had use a software tool that has a compatible database. professional liability policies with MLM in force on Spotlight: December 31, 2011. This is the 24th consecutive MyLawyersModules, Understanding the various types of accounting year MLM has declared a dividend and the $1.7 Roadmap to Start and and billing software products will help determine million amount represents a $700,000 increase Run a Law Practice .........4 what the best fit is for the firm when it is time over the prior year. to make a purchasing decision. The following Columns: includes an overview description of the types of "MLM has taken a number of difficult underwriting software options that are available for firms, and and pricing actions in recent years to improve Good Question: its operating results and those actions are, quite Foxworthy was on to information for helping firms narrow down their literally, starting to pay dividends," said Steve something ........................5 software choices. Brady, President and CEO of Minnesota Lawyers MLM Roadmap: Mutual. "We're delighted to share a portion of our ACCOUNTING AND BILLING: KNOW THE Growing Ranks of Solo earnings – in the form of a dividend – with MLM's Practitioners Underscore DIFFERENCE loyal policyholders, and look forward to even the Need for Resources...6 Not all software tools that manage money are greater success in 2012," Brady added. The Shill: the same. Most software tools available for law Although no insurance company can guarantee I Heart Passwords ...........7 firms are basic accounting tools that were created a dividend from year to year, Minnesota Lawyers to help small businesses track the flow of income Mutual has paid over $40 million in policyholder and expenses. These off-the-shelf accounting dividends since 1988. Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • email@example.com 2 THE VIEW • APRIL 2012 (continued from page 1) Although these basic off-the-shelf accounting tools are very Life is easier if firms are using a software tool that is made good, they usually are not equipped with billing features just for lawyers. A full-integration accounting tool for lawyers that will meet the needs of a busy law firm with two or more comes out of the box equipped with the reports and features attorneys. The manufacturers of these accounting tools do not that only a law firm would need. The initial set-up "interview" necessarily have in mind the sophisticated billing needs of process for configuring the software is somewhat different lawyers. Off-the-shelf accounting tools that do come equipped because the software program already knows that the business with billing tools tend to be a simplified bill is a law firm. Additionally, without having to generator that covers labor and inventory ‒ like When trying to find the "hook-up" the software to a separate software the kind that would be used by someone who is right software for a firm, billing tool, the ability to share information a building contractor. common scenarios often within the various features is already there and begin to emerge. its data sharing capabilities is much more robust. Billing software tools are separate and unique from basic accounting tools because all they do is track billable The higher-end accounting features available in a full-integration hours and create invoices. These tools were created specifically accounting tool are things firms may want to consider when for the enhanced billing and time-tracking needs of certain trying to decide if the tool is right for them. For example: professionals, such as lawyers. For example, the billing features in basic off-the-shelf accounting tools won't usually be able to • Flexibility in write-ups and write-downs – You may work handle the multiple billing rates that most law firms have for an hour on behalf of a client and wish to track your time, but each lawyer. Additionally, a firm that would like the flexibility only bill for half of that time. Full-integration accounting of creating unique billing terms for individual clients will find tools will allow much flexibility in tracking not only the time the billing tool in an off-the-shelf accounting product to be too that you bill, but the time that you actually work. limiting. • Showing trust balances on invoices – A full-integration accounting tool will not only create invoices but show A software billing tool is made to work with a basic accounting clients the running balance on their trust account. program. That means that if something is recorded in the accounting program – say, for example a payment is made by a • Showing past balances or new totals – The ability to client – that information is automatically recorded in the billing show a running balance on each invoice is usually an program, so the next client invoice will reflect the fact that the important feature for many law firms that can only be client recently made a payment. The manufacturers of software found in a full-integration accounting tool. billing programs create their programs to work with popular • Split or consolidated billing – Single invoices that are off-the-shelf accounting programs and include set-up and intended for more than one client are not available on a support information to make sure the critical software programs basic accounting program. are adequately sharing information. • Customized invoice formatting – Although they may be Firms that would like lawyers to track their own billable hours available in a stand-alone billing program, features that using a software program also find that billing tools are easier allow customized formatting of invoices are not available to use. A lawyer, paralegal, or any other member of the firm in the invoicing features of a basic accounting program. can track time quickly by using an electronic time sheet that Because a full-integration accounting tool is performing the collects information on the matter, the amount of time it took to work of two or more software programs, firms can count on it complete the task, and the client being serviced. After entering being more expensive than an off-the-shelf accounting product. the basic time tracking information and pushing a button, the data Whereas an off-the-shelf accounting software program may is passed on to the back-office invoicing tool and the employees range from $50 to $250 (usually depending on how many tracking their time can quickly move on to other tasks. people can use the product and whether it needs to share data FULL-INTEGRATION ACCOUNTING: SOFTWARE with other third-party programs), a full-integration accounting TOOLS JUST FOR LAWYERS product can range from $400 to $1,000 for the first user license. Accounting and billing tools work very well and can often It seems understandable that any software program with lots meet the needs of small law firms. However, there is a class of of features is often more difficult to use. A full-integration software that combines both of these tools and is specifically accounting tool – like any other robust accounting software designed for lawyers. Full-integration accounting tools are program – can be complex and difficult to learn. Basic, off-the- robust accounting programs that have included billing and time shelf accounting programs are typically designed for users who tracking tools that are satisfactory for the needs of a busy law run their own business and accounting is not their strong suit. firm. Moreover, these full-integration accounting tools have Many of the features in an off-the-shelf program are simplified taken on some features that usually only come in high-end and designed to be more intuitive so that the user can walk accounting programs, and depending on the complexity of the through the bill-paying, invoice-producing process. However, firm's accounting situation, it may want to have in the firm. (continued on page 3) Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • firstname.lastname@example.com THE VIEW • APRIL 2012 3 (continued from page 2) full-integration accounting tools are designed for bookkeepers firm to consider when looking for an accounting program that to use, and so unless you plan to take the time to learn some will fully integrate with the firm's client database. principles of accounting, the software can be more difficult to use. If the firm is "starting from scratch" looking for new software THE DECISION TREE: HOW TO CHOOSE WHAT'S and the bookkeeper is capable or willing to learn how to use a RIGHT FOR YOU new accounting program, a full-integration accounting program that handles all the accounting and billing needs is probably Many factors go into choosing the right accounting and billing the best place to start. A brand new start-up law firm has the software. There are important considerations, such as: unique opportunity to envision the most efficient way to set up the firm's financial systems and set the plan into place, • Who will be using the software tool? Do they have unencumbered by dependencies on other software systems or experience using it? employee experience. • Is the firm "starting from scratch" or is the software part of an office set-up that is already in place? When trying to find the right software for a firm, common • How big is the firm and how many employees will be using scenarios often begin to emerge. The following are some the tool? hypothetical law firms and the analysis used to determine which • Does the firm have a limited budget, and will software accounting and billing software would be the best fit for the firm. training be necessary? • Solo attorney with no payroll obligations – Quicken • Does the firm currently use other third-party software may actually work for this lawyer but QuickBooks is a applications that need to share data with the accounting better option for all solos. Although the invoicing feature program? in QuickBooks is limited, the solo attorney may not have a When I am making a software recommendation for a law firm, need for robust invoicing systems. one of the first things I want to know is who will be using • Small 2-4 lawyer firm using QuickBooks – Assuming the the tool. The best accounting software in the world will not firm is satisfied with QuickBooks, it may want to look at be a good fit if the firm's bookkeeper is not equipped with an enhancing it's billing capabilities by adding Timeslips. If it understanding of how to use it. Moreover, the bookkeeper may is open to using a full-integration program, it should check be especially adept at using a respected accounting tool such as out Tabs 3 or PC Law. Quickbooks by Intuit. Such special knowledge of a particular • Small 2-4 lawyer firm using MS Word for invoices – accounting tool may take years to learn, so a firm would be The amount of work it takes for one or more staff members wise to identify the knowledge assets of the person whose to create invoices from a word processor is so great that the job it will be to handle the firm's accounting, and take that firm is operating very inefficiently if it continues to do so. information into account when choosing a software tool. The firm is strongly urged to choose an accounting system My software recommendation also involves a determination the bookkeeper can manage. QuickBooks might be a good of whether the firm has other program applications in place start because it is easier to learn and there are so many that it intends to continue using. For example, if a firm is resources available for the employee to learn the program. already using a basic accounting program but would like some • Firm with 10 attorneys using QuickBooks and flexibility in the way invoices are produced, it is probably not Timeslips – The combination of these two programs is a necessary to look at a full-integration accounting program as very popular match-up in many small law firms, but the a replacement tool. An invoicing/time tracking tool that will 10-lawyer firm is getting to the size where it should be share data with the accounting program that is already in place encouraged to check out a full-integration accounting tool may be all that the firm needs. that can handle all of the firm's needs. QuickBooks and Timeslips share data, but their compatibility is limited. By examining the other software tools that the firm uses, sometimes it becomes apparent that certain accounting tools are • Firm with 25 lawyers using PC Law – The full- the best match. For example, if a firm uses a case management integration accounting programs purport to handle the program such as Practice Master by Software Technology, Inc. needs of a larger law firm, but the database capabilities can (STI) for managing client data and calendar programs, STI's sometimes limit it's ability to do so. Larger firms should TABS 3 accounting program would be a logical first step for the look into software tools made to handle their database need. Juris by LexisNexis is one such tool. RU@RISK? a blawg about risk management for lawyers Follow the conversation on "Which Time, Billing and Accounting Software is Best for My Firm?" by subscribing to RU@RISK? Upcoming posts will discuss some of the top finance software programs used by small to mid-size firms. MLM BLOGS A Collection of Conversations Blogs.mlmins.com/ruatrisk Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • firstname.lastname@example.com 4 THE VIEW • APRIL 2012 Providing Solutions to Risk Management Problems Online Conversations | Seminars | Live Webcasts | HelpLine Good Question RU@RISK? Better Discussion Blogs come and go, A Blawg about Risk but malpractice is never ending Management for Lawyers Recently some changes were made to give lawyers a fresh perspective into our world of professional liability. Todd C. Scott will now be blogging with three of his MLM colleagues: Angie Hoppe, Alice Sherren and Chad Saunders. By having more contributors, we can share with you our various perspectives on the problems we see every day. With this set up, Angie will focus on issues involving starting Alice Sherren a law practice, while Alice handles some of the tough questions our Claim Attorney claim adjusters get everyday, and Chad writes about insurance. Todd Todd C. Scott will continue to write about the malpractice that appears in the news VP of Risk Management and carry over the discussion from our monthly webcasts into this The Shill forum. Our goal all along has been to give you a view into our world Shameless Promotion MLM Roadmap from Marketing of legal malpractice and provide helpful advice so you can learn from Planning for Success the mistakes of others. Let MLM blogger/editors know what you think of the information you find here. We'd love to have you join the conversation. MLM BLOGS Chad Saunders A Collection of Conversations Specialty Marketing Manager Blogs.mlmins.com Angie Hoppe Claim Attorney 2012 Monthly Risk Management 2012 Webcast Series Loss Prevention CLE Seminars MLM offers all its policyholders For updated information on when the CLE events will take three hours of complimentary place in your area, visit www.mlmins.com where you can use webcasts per year. our easy online registration process to check availability and reserve your seat. Remember to register early — venues fill up A $120 value! quickly! (Complimentary code is valid from July 1 thru June 30) PENNSYLVANIA Pittsburgh, PA ....................................................... April 24, 2012 Schedule Grantville, PA ........................................................ April 25, 2012 Philadelphia, PA.................................................... April 26, 2012 April 26 Creating a Business Plan for a Start-Up or Small Firm IOWA May 31 After Treatment: Working with Council Bluffs, IA ..................................................... May 1, 2012 Recovering Lawyers Des Moines, IA ........................................................ May 2, 2012 Cedar Rapids, IA ..................................................... May 3, 2012 June 29 Ten Rules of Advice for Defense Counsel All programs are scheduled for one hour Have a risk management and start at 9:00 AM CST, 10:00 AM EST. question or concern? Program times may be subject to change. Contact MLM's Risk Management HelpLine, toll-free Webcast registration at www.mylawyersmutual.com (855) 692-5146 Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • email@example.com THE VIEW • APRIL 2012 5 Good Question Want a sounding board for general, specific or Better Discussion hypothetical risk management questions? MLM BLOGS A Collection of Conversations Blogs.mlmins.com/goodquestion Foxworthy was on to something: example, choice of venue, which defendants are named or not named, which experts are selected, etc.), YOU HAVE A "If you even have to ask this question, CLAIM THAT SHOULD BE REPORTED, even if you think YOU HAVE A CLAIM THAT SHOULD BE opposing counsel is wrong and your client is happy with REPORTED!" your work! Jeff Foxworthy made a name for • If you discover that you may have made a mistake, for himself with his commentary about example missing a statute of limitations, YOU HAVE A what "might" make someone a CLAIM THAT SHOULD BE REPORTED, even if opposing "redneck." One observation is that counsel did not realize your mistake, and even if you think if you suspect you "might" be a you can fix the problem! "redneck," you probably are. The same holds true for whether you have • If your client tries to get out of paying his bill by disparaging a "claim" that should be reported to your work or the outcome of the case, YOU HAVE A CLAIM your malpractice insurer. If the thought even crosses your mind THAT SHOULD BE REPORTED, even if you know your that you might have a claim…you should report to your carrier client's allegations about your work lack merit and he is or risk denial of an eventual claim or even a voided policy. simply trying to get out of paying his bill! Minnesota Lawyers Mutual insurance policies are "claims- • If anyone, client or not, says that your legal work caused made" policies, which means an insured must report not only him harm, for example an opposing party in a divorce or malpractice threats or lawsuits but also events that could custody case, YOU HAVE A CLAIM THAT SHOULD BE develop into malpractice threats or lawsuits in the future. When REPORTED, even if you know his allegations lack merit and in doubt, it is always better to report a situation because failure can prove it! to do so could result in a denied claim or a voided policy. • If a client says that he is unhappy with your work and will The policy states: A CLAIM is deemed made when: sue you for malpractice, YOU HAVE A CLAIM THAT SHOULD BE REPORTED, even if you believe your work (1) a demand is communicated to the INSURED for was above reproach! DAMAGES or PROFESSIONAL SERVICES; One very important thing to remember is this: You, as the (2) a lawsuit is served upon the INSURED seeking attorney, do not get to decide whether there is a claim. The DAMAGES; or standard is not whether you personally think you have a claim, whether the claim has merit, or whether the claim may never (3) an act, error or omission by any INSURED occurs which be pursued. The standard is whether facts exist that could has not resulted in a demand for DAMAGES but which reasonably develop into a claim. If you find yourself asking, "I an INSURED knows or reasonably should know, would wonder if I should report this?" ‒ the answer is always "YES!" support such a demand. This means that you have a "claim" that should be reported any time you think you might have made an error, or any time someone else says you may have made an error. This is so even If you have a specific situation you are unsure about whether to if you think you can fix the problem, even if your client still report, please contact the Risk Management HelpLine, toll-free seems happy with you or doesn't know about the problem, and at (855) 692-5146. even if you know you did not err but someone else says you did. The fact that a claim lacks merit, or that you have great defenses to a claim, does not change the fact that there is a Alice Sherren, MLM claim attorney, claim that must be reported. And it is essential to always report addresses common (and not so common) a claim as soon as possible, before trying to fix it on your own. questions MLM receives from insureds Don't jeopardize your insurance coverage by waiting to report through its Risk Management HelpLine a claim until suit is filed and your options are limited. and invites insureds to weigh in via the comments section. Here are some "Foxworthy style" examples of when you have a claim that should be reported: Join the "Good Question, Better Good Question Discussion" Conversation at • If opposing counsel makes a motion to dismiss your client's Editor Blogs.mlmins.com/goodquestion/ case because of something that was your decision (for Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • firstname.lastname@example.com 6 THE VIEW • APRIL 2012 MLM Success Planning for Roadmap Ever wish there was a straightforward roadmap one could follow to start and run a safe practice? MLM BLOGS A Collection of Conversations Blogs.mlmins.com/roadmap Growing Ranks of Solo Practitioners "They still need resources," Harris said. "By developing tools and resources in tandem with bar associations and other Underscore the Need for Resources groups, together we can provide some cost-effective solutions By Dan Heilman, Minnesota Lawyer Reprinted with permission of Minnesota Lawyer, and put them at reduced risk of malpractice." Solo Contender, March 20, 2012 The MLM modules are free for MLM members and were scheduled to go live at the end of March. Free access to the Recent surveys suggest more and more freshly minted lawyers site will also be offered to Minnesota State Bar Association are bypassing the temptation to work at a law firm straight members via its PracticeLaw Web portal. out of law school and are instead hanging out their shingles as solo practitioners. A recent survey of the Minnesota Lawyers One way Hoppe has been working toward that goal has been Mutual Insurance Co. (MLM), which provides malpractice by dropping in on a relatively new resource MSBA is offering insurance along with risk management services, found that its members: monthly meetings and online discussion groups more than 19 percent of solo practitioners polled aimed at solos trying to establish their practices. have five or fewer years of practice experience, Angie Hoppe, an MLM PracticePack (www.practicelaw.org/432) is with 9 percent having two years or fewer. claim attorney, said the focused on lawyers going straight from law goal is to create a platform school to solo or small firm practice, discussing The seeming surge in solos highlights the fact that is responsive to the process of moving on after graduating and that going it alone isn't easy for any lawyer, let the needs of new solo the trials of job searching. alone an inexperienced one. Handling billing, practitioners. "It's great to office administration and client development can Started in late 2010, PracticePack usually meets have all this information be overwhelming. For that reason MLM and the put together, but we don't the third Tuesday of the month from about 8 Minnesota State Bar Association are working want it to be just a flat to 10 a.m. Andrea Hable, MSBA's attorney together and separately to provide support and static resource," she said. editor and proprietor of her own practice, said resources for the swelling ranks of solos. "We want it to grow." attendance at the meetings is usually between five and 15 young lawyers. MLM recently debuted Roadmap to Start a Law Practice, a series of web-based modules designed to show young "It was an acknowledgment by the bar association that there lawyers some of the nuts and bolts of starting and growing are a lot of new lawyers out there who need some support," a practice. Many of the modules are focused on avoiding she said. "It started with the hope that we could offer new malpractice problems, but a number of others zero in on general solos some tech assistance and help them get some discounted topics, such as essential practice components and key areas to services, but the biggest benefit has been the camaraderie of consider when establishing a practice. The site also contains getting together monthly." downloadable law practice management booklets; workbooks Hable said the meetings, which are free for MSBA members, for business financials and budgets; and various forms, templates are informal, and carry no CLE credit. While there's often and checklists. a speaker or a main topic, there's usually time at the end for Jayne Harris, MLM's vice president of business development, practice-related questions. said the group compiled the resources in response to mounting "There are numerous issues discussed," she said. "How do evidence that while the number of young solos was growing, ethics rules apply to real practical things we deal with? How many of those baby lawyers weren't armed with the skills and does solicitation rule apply if I'm at a networking event? How resources needed to establish a successful practice. do I deal with clients? How do I set fees? How do I define the "The profile of a solo firm had really changed in last few scope of my recommendation? Where do I find a mentor? years," Harris said. "The Carnegie Report and other studies show that there are key competencies that new lawyers tend Angie Hoppe, MLM claim attorney, is actively to lack, such as procedural law, organizing and management involved in helping attorneys start a practice as of legal work — all things that tie into the things we're really the MLM Roadmap's editor, and by leading the concerned about from a practice perspective." ongoing development of MyLawyersModules.com, an online environment to assist attorneys start and She pointed to 2010 findings from the Association for Legal run a safe and successful practice. Career Professionals that pointed out that 5.9 percent of new law school graduates are pursuing solo practice. But while Submit your question on starting a practice and setting up shop, they're dealing with huge debt and probably Angie will do her best to divulge practice pointers don't have spare money to spend on CLE courses. Roadmap Editor that are both useful and practical. Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • firstname.lastname@example.com THE VIEW • APRIL 2012 7 The Shill Shamelesspromotion from marketing Shameless promotion from marketing How much do you really know about professional liability insurance? MLM BLOGS A Collection of Conversations Blogs.mlmins.com/theshill I HEART PASSWORDS password. We use passwords for MyLawyersMutual.com, our online Risk Management Website. I am stuck in a password maze. My 15-year-old Hotmail account with its 15-year-old password was breached. Nothing There are acknowledged kinks. Currently, the logins for our that I know of was lost; Hotmail stopped being my primary CLE webcast and for MyLawyersMutual.com are different. e-mail account years ago. I did have to assign a new password There's a technical reason for the separate login that doesn't under the new password regime. A regime that's much, much matter to a frustrated policyholder. Also, every individual harsher than it was 15 years ago. This process was repeated for policyholder has a unique login to MyLawyersMutual.com. all online accounts that may have been touched by the Hotmail This is to keep confidential the policy portion of our web site. breach. Facebook, online banking, my family's health plan, Again, the reasons don't matter if it causes frustration. (Please iTunes & many others need new passwords. The trouble with call us! You'll get an actual person who can help.) new a password is that I won't remember it unless it has some variation of my 15-year-old password. I've tried more secure The most recent offering on MyLawyersMutual.com is password tricks but I'm forgetful. I forgot the new Hotmail MyLawyersModules Roadmap to Start and Run a Law password almost as soon as I signed out, which meant I had Practice. It's a terrific resource for lawyers who are starting, to get a new one. Apparently, you can't request your current contemplating starting, or have recently started a law firm. I password if you forget it. You can only assign a new one, one suspect it would be useful to attorneys of all experience levels. that hasn't been used in a year. Which means I'm going to Resources like this take a level of effort we can only offer to forget it because it is not familiar to me. It's all very secure. our policyholders. It's password protected. If you don't have your password, please give me a call. I can help. We use passwords here for many parts of our online system. If we have put anyone through an ordeal like this I apologize, sincerely, from the bottom of my heart. But there is a reason we use passwords. We use passwords to protect the sensitive and often confidential information we request. Moreover, "The Shill" is written by Chad Saunders, MLM passwords allow us to offer additional services to our specialty marketing manager. Chad may be policyholders. We require passwords for online & in-person reached at (800) 422-1370 x9672 or firstname.lastname@example.com. CLE. The online registration process, payment processing and proper recording of CLE credit depends in large part on a The Shill Editor NOTE: The material in this newsletter should not be considered legal advice and as always, you will need to do your own research to make your own conclusions with regard to the laws and ethical opinions of your jurisdiction. In no event will Minnesota Lawyers Mutual be liable for any direct, indirect, or consequential damages resulting from the use of this material. THE VIEW - APRIL 2012 Managing Editor: Jayne M. Harris, VP of Business Development Technical Editor: Michelle Lore, Claim Attorney Looking for checklists, law practice management booklets and Assistant Editor and Layout Designer: risk management CLE resource materials? Look no further! Karen J. L. Scholtz Featured Article Author: www.MyLawyersMutual.com Todd C. Scott, VP of Risk Management Haven't received your Username and Password? Good Question Author: E-mail firstname.lastname@example.com with your identifying information and preferred e-mail Alice Sherren, Claim Attorney address to receive your login and password within 24-hours or call 800.422.1370 and Roadmap Author: your MLM Account Manager will provide you with your login and password over the Angie Hoppe, Claim Attorney phone. The Shill Author: Chad Saunders, Specialty Marketing Manager Questions? Contact MLM at: Minnesota Lawyers Mutual • 333 South 7th Street • Suite 2200 • Minneapolis, MN 55402 • Phone: 800.422.1370 • Fax: 800.305.1510 • firstname.lastname@example.com


text:
Zola Jesus W/ Talk Normal & Technicolor Hearts
Friday, Feb 3rd
The Parish
$10 tickets
Zola Jesus is the stage name for the beautiful voice wielding Nika Roza Danilova. Mixing elements of classical with electronic, and experimental, her music creates landscapes of pure black, and eery sweet. She has an opera background, and her vocals are positively haunting. She really doesn't sound like anything out there, and when mixed with the cinematic synths, the experience is truly original. In an interview with The L.A. Record, Nika commented on her own philosophy, since she has studied it, saying "I believe in not avoiding things you're afraid of. Especially really dark things." We agree. Watch Ms. Zola Jesus do her uber dark, dark, dark things in the way of musical stylings, and you too won't want to avoid them. "Come to the dark side…" sorry we couldn't resist.
Search for parish albums on AmazonPosted in Austin
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Zola Jesus Announces Spring 2012 Tour Dates
Zola Jesus Live at Elysium SXSW
CMJ Day Three Part One – Info Sessions, Zola Jesus,
Zola Jesus – Taiga
Photos: Smashbox Presents PLAY MOCA with Zola Jesus and Active Child
A Certain Je Ne Sais Quoi – Beck, Mike Patton, Joseph Gordon-Levitt, Sean Lennon, Charlotte Kemp-Muhl, Ed Droste, Zola Jesus and More Pay Tribute to Serge Gainsbourg at the Hollywood Bowl

subset: commoncrawl


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Face to Face: Energy Debate
Viewing video requires the latest version of Adobe's Flash Player
Mon, Aug 18, 2008 (5:30 p.m.)
Top leaders in politics and business are descending upon Las Vegas for the first National Clean Energy Summit. Will the summit spawn a renewable energy movement? Jon asks one of the panel members.
Download segment Energy Debate, seg. 2: iPod or HDTV/720p
Download segment Energy Debate, seg. 3: iPod or HDTV/720p


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The median home value in Ashley, OH is $106,900. This is lower than the county median home value of $117,900. The national median home value is $170,100. The average price of homes sold in Ashley, OH is $106,900. Approximately 78.5% of Ashley homes are owned, compared to 14.09% rented, while 7.41% are vacant. Ashley real estate listings include condos, townhomes, and single family homes for sale. Commercial properties are also available. If you see a property you're interested in, contact a Ashley real estate agent to arrange a tour today! Learn more about Ashley Real Estate.
Country feeling cozy home sits right in the middle of a small town village. Beautiful original oak woodwork and a complete wall of pantry oak cabinetry in the kitchen.If you want that country feeling and yet have neighbors by you.You will enjoy this family home that features a dining room and living room of nice size, master bedroom on main floor.The oak stairway is just waiting on the holidays to decorate. Garage even has a large area up stairs for that man cave or kids to have a rec room. Beautiful flowers that come up annually plus a garden area. Lots of room to romp and roam in the back yard.
Nice ranch home located at the southern edge of Morrow Cty. just north of 36/37/I71 exit. This home features a very open floor plan and a nice kitchen that opens out onto a huge two tiered deck (26'x24') with a hot tub. The large basement is partitioned off and all the building materials on site stay with the home. Outside there is plenty of room for the hobbies. Great location for an easy commute. Enjoy!
Massive price reduced to sell - 10+ acres of woods. A Great chance purchase 10 wooded acres, small stream at front of lot. Agent part owner. Listing Agent has ownership interest in the lot.
Unbelievable Setting that features +/-15.0 acre lot that is tree lined & 4 acres is fenced in-Immaculate home w/open entry way-Gourmet Kitchen w/stainless steel, Architect Series Refrigerator, Microwave and Wall Oven, Wolf Oven, Electric Cooktop & Carerra Marble countertops-Great Room w/hardwood natural oak floors & stone fireplace-10 ft ceilings on 1st Floor-1st Floor Master Suite w/fireplace-1st Floor Den-All upper level Bedrooms have their own private Bath-Loft Area-All closets upstairs are Walk-Ins-Finished Lower Level w/storage area-Pella Windows-All doors are solid oak, six panel doors-Geo-thermal Heat & Propane-Additional Building w/office, Kitchenette, Bath & Laundry Area (64 x 52 Building)-PRICED WELL BELOW BANK APPRAISAL-Owner is open to creative financing to a qualified buyer.
Very neutral home located on almost two acres. This is very hard to find for under $250,000. Home boasts a huge owner suite with deluxe bath, Very nice finishes throughout, all appliances go with the property. This home is nearly new and is ready for its next family, Easy 2 see, This one will not last long
Tract #4 The drive culvert is installed. This property has trees with a stream through it. There are deed restrictions on this lot. Delco water available.
Tract #2 The Drive culvert is installed. This parcel has road frontage on two roads. There are deed restrictions on this lot. Delco Water available.
Real Living Ron Neff Real Estate 153 South Paint Street Chillicothe, OH 45601 Email Us | Visit our Real Estate Website


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These two girls were being severely chastised by this finger waving man. Paris, France
Canon EOS 5D
apt: f/4
sht spd: 1/1000
focal: 105mm
pixel size: 2906 × 4372
file size: 11.52 MB
Featured: Road Photography [dashboard point of view] Group
architecture, cityscapes, france, images of france, images of paris, paris, people, streetscapes, streetscenes
Thanks Ruth & the Road Photography Group
Always great to be featured
Cheers Lee
– stickelsimages
Nice shot.
Thanks Rasim
I don't know what he was so upset about but he was giving them a dressing down that's for sure
Cheers Lee
– stickelsimages
Very Paris, nice action catch Lee !
Thanks a lot Karen
– stickelsimages


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I am a gr granddaughter of Lucy Best Wurtzberger and would love to have a copy of that picture! Would you be able to give me the email of the person who received the pictures? Thanks for your time, I so wish I had seen this message earlier. Notify Administrator about this message?
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What do Silly Bandz and Christmas trees have in common? They've been blacklisted from schools. Schools have banned everything from yoyos to the word meep. Haven't they figured out by now that these silly bans don't work?
Now Jezebel has a radical idea: let's call for a ban on school bans! While we're at it, we can outlaw censorship in school libraries, too. We might even consider throwing the politicians and ideologues out of controlling our kids' curriculums.
But let's start with their right to wear oddly shaped plastic bracelets in English class if they choose.
Here's Jezebel's blogger's list of stuff her school nixed when she was a kid:
— pogs
— yoyos
— "socks pulled up to the knee and worn with cutoff shorts" (I think this was supposed to be a gang thing, but I never saw anyone wear it, and only heard of it in our dress code, which had to be read aloud in full during homeroom every day)
— non-approved forms of handball (the approved form was given to us on a mimeographed sheet, which we immediately and gleefully destroyed)
— "rugby" (this was not the sport commonly practiced in the United Kingdom, but rather a game we used to play when we lost our soccer ball, which mostly involved tackling. I kind of get why this was banned.)
— climbing hills
— cat's cradle


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| Email | Full Article (TrendHunter.com/id/187930) |
The Filling Pieces 2013 Spring/Summer lookbook takes the consumer on a journey through paths untraveled. The Amsterdam-based footwear label is expanding its horizons and shot a set of photographs capturing the adventures of two young men. The premium shoes are the highlight of the shoot and key pictures include close-up shots of the sneakers set against rural paths and roadways.
The label is young and presents a fresh perspective on fit and form. The stylish shoes are hand-made in Portugal and feature luxurious fabric treatments. Highlights from the 2013 series include its exotic leather sneakers, two-tone shoes and the thick white rubber sole kicks.
The Filling Pieces 2013 Spring/Summer lookbook is a wild adventure and the premium footwear collection is available at specific retailers.


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We have been blessed by many glorious days of Indian summer lately. It gives us extra time to cut, split, and stack the four cords of wood we burn over the winter. There are still some beets and carrots in the garden which I've left in on purpose to give them some extra time to grow since they were so stunted by the deer grazing through. The leaves have all fallen yet we are in no hurry to rake them up, even though they make great compost for gardening. Instead we are putting up one of those 'tarp and metal frame' type sheds to store the tractor and its attachments.
Pam is at full capacity now at her farm so this week she brought our girls, Dreamer and Alana, and Alana's newest cria, Hank, to New Hampshire for us. They will now agist over at Val and Gary Newell's Crown Point Alpaca Farm, where they will be in very experienced hands with plenty of fellow alpacas for company. Val and Gary have quickly grown their herd to over 40 alpacas, they agist for many farms, and have started other pastures to grow their farm even more. They have an amusing assortment of other farm animals ~ chickens, ducks, turkeys, rabbits and goats. And they have other projects in the works too, including a nature trail and my personal favorite, a yurt in the woods to rent out. And like us, they focus on sustainability and the natural world, hence their name 'The Green Alpaca.' Our girls and crias will continue to be well taken care of and now that they are only about 35 minutes away, we can visit them more often. Val does fabulous photography and hopefully I can figure out how to get my pictures out of our camera soon.
Apparently it's been an easy transition for our girls who are already being themselves. Dreamer is often at the fence line shared with the boys, spitting at them, and then trotting off doing a little jig. Alana likes to run back and forth through the pasture from one end to the other. And little Hank has already made friends with the other crias, climbing hills and pronking around with them.
This is a wonderful new beginning for us.


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Feel free at our free ringtones website, where you may aquire hot ringtones for your mobile phone. Today we have a ringtone of "2Night (Original Mix)" by Eric Prydz as well as 612 other ringtones by Eric Prydz. "2Night (Original Mix)" is one of the best tracks from the "2Night" album that was created by Eric Prydz at their major label together with other 4 tracks. You can listen to all 11 Eric Prydz – "2Night (Original Mix)" ringtone variations available here and download it for free directly to your smart phone. You can also select other 8 albums produced by Eric Prydz for all time. "2Night (Original Mix)" is referred to House, and you may listen to a huge amount of House artists absolutely for free. And finally, we have collected lyrics for this track and you can view it here as well. So feel free to browse, listen, download ringtones at Audiko.net. Make your phone sound cool!
Eric Prydz - 2Night (Original Mix)
Albums by Eric Prydz
Top ringtones by Eric Prydz
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- YOB - Pain of I
- Catfish and the Bottlemen - Homesick


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Miles: 9,651
Benson Lincoln
4800 Clairton Blvd
Pittsburgh, PA 15236-2118
Call: 1-855-652-9960
Carfax Dealer Since 2001
Silver Diamond Premium Coat Metallic, 1 Owner Lincoln Trade In, ABS brakes, Alloy wheels, Electronic Stability Control, Front dual zone A/C, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Remote keyless entry, SIRIUS Satellite Radio, and Traction control. Previous owner purchased it brand new! Want to save some money? Get the NEW look for the used price on this one owner vehicle. You could be the second owner of this great ride. It appears that this vehicle lived in a smoker-free environment. There appears to be no damage beyond normal wear on this vehicle. The way it Outta Be!
Features and options are descriptive of what can be expected on the vehicle. Actual options should be verified by the customer and dealer.
Price may exclude tax, title, tags, government fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees. Please contact this dealer to confirm that this vehicle is still available. Current mileage may vary due to test drives and vehicle relocation.
CARFAX Vehicle History is based only on information supplied to CARFAX. CARFAX Vehicle History information on this page is current as of 01/31/15 at 08:59:00 AM (CST). The CARFAX Vehicle History Report for the vehicle may contain more current information. Other information about the vehicle, including problems, may not have been reported to CARFAX. Use the CARFAX Vehicle History as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. Vehicle descriptions and details on this page may have been provided, in part or entirely, by the seller or its agent. CARFAX does not verify these descriptions and details, and is not responsible for the accuracy of the information. Please refer to the CARFAX Terms of Use for further information.


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December 8, 2014
Nine indicted on federal drug charges involving meth
MORRIS — Nine people in two states, including two people from Stevens County, have been indicted on federal drug charges for the possession and distribution of methamphetamine in Minnesota, North Dakota and South Dakota. For the last 21 months, the Stevens County Sheriff's...
December 8, 2014 - 8:59pm
May 15, 2014
Guilty plea, sentencing in meth, marijuana case
WILLMAR — Jose Juan Rodriguez, 27, of Willmar, pleaded guilty Thursday to a second-degree drug possession charge for possessing methamphetamine and marijuana found in a Willmar residence when law enforcement officers served a search warrant in February. As part of a plea agreement,...
news / local
May 15, 2014 - 11:26pm
February 11, 2014
Appeals court upholds possession conviction for informant caught with methamphetamine
WILLMAR — The State Court of Appeals has upheld a drug possession conviction, but reversed a drug sale conviction, against a Hutchinson man who was caught possessing methamphetamine and claimed he was continuing previous work as a confidential informant for a drug task force. In...
news / region
February 11, 2014 - 11:20pm
September 12, 2013
Two people from Hutchinson, Minn., charged after meth found in car on traffic stop
WILLMAR — Two people from Hutchinson made their first court appearances Thursday on first-degree drug possession charges for allegedly possessing 32.5 grams of methamphetamine found in their car during a traffic stop Tuesday along U.S. Highway 12. Unconditional bail was set...
news / region
September 12, 2013 - 11:21pm
August 9, 2013
Willmar man sentenced to prison for selling meth
WILLMAR -- Trey Donovan Wittenberg, 23, of Willmar, was sentenced Thursday to 58 months in prison and a total of $1,000 in fines on a second-degree drug sale charge and a fifth-degree drug possession charge selling 8.6 grams of meth to a CEE-VI Drug Task Force informant in September...
news / local
August 9, 2013 - 7:47am
June 3, 2013
Two face drug charges, caught flushing meth
WILLMAR -- Ruben Lee Vallejo, 30, of Willmar, and Darien Cole Frank, 19, of Owatonna, made their first court appearances Monday on felony charges for drug possession and for storing drug paraphernalia in the presence of a child. The charges stem from the discovery of items Thursday...
news / local
June 3, 2013 - 11:36pm
May 6, 2013
Cleanup of meth-lab car could cost Willmar, Minn., multiple thousands of dollars
WILLMAR — An abandoned car that was supposed to have been sold Friday during the city of Willmar's impound lot auction could end up costing the city several thousand dollars. A company from Morris that specializes in handling hazardous chemicals was at the impound lot Monday...
news / local
May 6, 2013 - 11:38pm
February 22, 2013
Man held on $200K bond, faces drug charges for meth, drug items
WILLMAR — Steven Allen Strand Jr., 28, of Willmar, made his first court appearance Friday on felony second- and fourth-degree drug sale charges for methamphetamine found in his possession when the vehicle he was riding in was stopped Wednesday by Willmar Police officers. Unconditional...
news / local
February 22, 2013 - 11:51pm
February 5, 2013
Pennock, Minn., man enters plea for meth deal; will serve 45 months in prison
WILLMAR — Elio Naranjo Infante, 44, of Pennock, pleaded guilty Tuesday to a third-degree drug possession charge for his role in selling methamphetamine to a CEE-VI Drug Task Force informant in November 2011. As part of a plea agreement reached in Kandiyohi County District Court,...
news / local
February 5, 2013 - 11:10pm
October 24, 2012
Meeker Co., Minn., sheriff seeking information on portable meth lab
GROVE CITY -- The Meeker County Sheriff is seeking information from citizens about an apparent portable methamphetamine lab found Tuesday just east of Grove City. According to Sheriff Jeff Norlin, a deputy responded around 11:45 a.m. Tuesday to a report of a suspicious package located...
news / region
October 24, 2012 - 10:17am
September 14, 2012
Four arrested after meth lab found in Lowry, marijuana purchased in Starbuck, Minn.
STARBUCK -- Four people were arrested on drug charges after two separate search warrants were served Wednesday and Thursday by law enforcement agents in Lowry and Starbuck. According to the West Central Minnesota Narcotics Task Force, Travis Dean Ryks, 27, and Randall Scott Nemec,...
news / region
September 14, 2012 - 8:54am
April 25, 2012
New London man pleads to drug possession charge, found with drugs in car
WILLMAR -- Jeremiah Raymond Johnson, 32, of New London, pleaded guilty Monday to a second-degree drug possession charge for possessing 9.5 grams of methamphetamine found on his hands, clothing and vehicle by CEE-VI Drug Task Force agents at a rural Belgrade home. As part of a plea...
news / local
April 25, 2012 - 12:00am
March 14, 2012
Skaalerud, Braness face charges for selling meth
WILLMAR -- Two Willmar men made their first court appearances Tuesday on drug sale charges for allegedly selling methamphetamine and marijuana to CEE-VI informants in December and January. Jaime Jon Roberg Skaalerud, 34, faces one first-degree and one fifth-degree sale count. His...
news / local
March 14, 2012 - 12:00am
Man faces first-degree sale charge for meth deal with informant
WILLMAR -- Juan Angel Guevara, 31, of Willmar, made his first court appearance Tuesday on a first-degree drug sale charge for allegedly selling methamphetamine to a CEE-VI Drug Task Force informant. Unconditional bail was set at $300,000. His next appearance is March 21 in Kandiyohi...
news / local
March 14, 2012 - 12:00am
December 31, 2011
Woman gets 33 months in prison for role in selling meth, cocaine
WILLMAR -- Andrea Dawn Rasmussen, 45, of Willmar, was sentenced Friday to 33 months in prison and a $500 fine on a third-degree drug sale charge for her role in selling methamphetamine and cocaine to a CEE-VI Drug Task Force informant in October 2010. As part of her sentence handed...
news / local
December 31, 2011 - 12:00am
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I got this mascara in the lancome show tube (the one with the little hearts on it).
Packaging: the white newly designed tube with the cute red hearts all over it, got me hooked.
Product: very wet, wand/brush needs to be wiped due to that it grabs a lot of product and it smudges, doesn't hold the doll effect for long (about half a work day) , but it gives a nice open
eye look that is needed in the morning, giving that
wide awake look that is needed. Smells nice too
and doesn't bother my eyes as it does to some
Brush: very tricky to use. I am right handed and applying the product on my left eye can be awkward due to the cone shape of it, leaving my
inner corners untouched afraid of getting it on my
Overall, I think this mascara is good, but not
great. Its a bit of a splurge to get ($29.00 at
sephora) leaving me with lifted lashes with not so much length, which leaves me to think that the lifting effect is its only result. I think the they're real by benefit mascara is better than this cause it gives me superior length and I love a dramatic look when it comes to my mascara
I really do like this mascara! It looks just as good at the end of the day as it does when you apply it. I love the wand; the shape is so convenient for getting every lash, and it really combs the product flawlessly from root to tip. This is also the only mascara I have ever found that looks AMAZING on the lower lashes. Anything else looks clumpy or spidery or too thick, but this looks like perfect little "doll lashes"! This mascara lives up to its name. My new favorite (over BeneFit They're Real Beyond Mascara, which I like to use on the roots for density with this Lancôme one). Definitely will repurchase.
This is really clumpy, smudges terribly, grey not black, and super expensive. I don't recommend this.
Absolutely loved this product, I will always go back to it!
I love the thick brush, it gives lots of volume without having to spend ages applying lots of coats.
Length-wise it's not the best I've ever used, but I prefer volume to length and it still gives decent length.
It can take a little while to dry in, but it never smudged and lasts all day. Highly recommended if, like me, you love voluminous eyelashes! Just a warning though, for some reason the first couple of times you use this mascara after you open it, you probably won't like it! It takes a couple of attempts to get used to the brush, but I promise it's worth it :)
With oily asian monolids and straight lashes, this mascara actually made my lashes curl a bit. I really liked the design of the brush, which almost looked like an upside-down christmas tree. It defined my lashes and made them curl but during the day I ended up with racoon eyes!!! And the mascara smelled pretty bad.
Overall, this mascara might work for people with eyelids that does not get oily.
2 out of 2 people found this review helpful. Did you? Yes No
I bought this when I needed a mascara. This was my first Lancome product, and I never knew how amazing the mascara lines are with Lancome. I would definitely would buy again and again.
I love Lancome mascara. This is not a mascara I use on its own, but I always layer my mascaras anyway. I love this formulation for my last layer. It separates the lashes perfectly and still adds volume. I am already on my 3rd tube of this. I prefer this applicator to the Hypnose Star. The Star is a little flat. I also find this formulation a little wetter. The Star is drier;I don't like it as much.
The only reason I didn't give it a 5 was because I don't like it on its own. It is definitely a great mascara, but one I layer.
Useless, don't bother. Like others have mentioned, this is no better, actually it worse than a drugstore brand. Left my lashes very spidery and 'wet'. The brush is off too, could never get both lashes to look the same, maybe that's user error, but it never happens with other mascaras. Don't waste your money.
Worst mascara I've ever used. It made my lashes spidery. Not to mention the $30 price tag. I can't bring myself to throw it out because I just bought it, but I suppose it might work in a pinch. Just not one I reach for. Def will NOT repurchase.


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May 7th, 2012 at 1:30 pm
Friday Final TV Ratings: 'Shark Tank', 'Undercover Boss', 'Grimm', and 'CSI:NY' Adjusted Up
Friday's final broadcast primetime ratings.
[Read-More]May 6th, 2012 at 7:45 am
Bubble Watch: Down to the Wire for 'Nikita,' 'Gossip Girl,' 'Hart of Dixie' and 'Secret Circle' + 'Cougar Town' Downgraded
All of CW's bubble shows are still on the bubble!
[Read-More]May 5th, 2012 at 4:00 pm
TV Ratings Friday: 'Fringe', 'Grimm, 'The Finder', 'Blue Bloods', 'CSI: NY' Down; 'Shark Tank' Up as Entire ABC Line Up Rises
ABC was the top network among adults 18-49, while CBS was the number one network in total viewers
[Read-More]May 4th, 2012 at 10:13 am
Which Friday Broadcast Genre Show Will 'The Avengers' Pummel Hardest: 'Nikita,' 'Fringe,' 'Grimm' or 'Supernatural?' (Poll)
pick one.
[Read-More]April 30th, 2012 at 2:06 pm
Friday Final TV Ratings: 'Supernatural', 'CSI:NY', 'Blue Bloods' Adjusted Up; 'Fringe' Adjusted Down
Friday's final broadcast primetime ratings.
[Read-More]April 29th, 2012 at 8:25 am
Bubble Watch: The CW Will Cancel More Than 2 Shows, Will 'Nikita' Be One of Them?
pack tightening leads to brighter outlook for 'Hart of Dixie.'
[Read-More]April 28th, 2012 at 8:50 am
TV Ratings Friday: 'Fringe' Up, 'Finder', 'Supernatural', 'CSI:NY', & 'Blue Bloods' Down
CBS won the night with both adults18-49 and total viewers.
[Read-More]April 23rd, 2012 at 2:01 pm
Friday Final TV Ratings: 'Grimm', 'Supernatural' Adjusted Up; '20/20' Adjusted Down
Friday's final broadcast primetime ratings.


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Foreign policy doctrine
This article does not cite any references or sources. (December 2009) |
A foreign policy doctrine is a general statement of foreign policy and belief system through a doctrine. In some cases, the statement is made by a political leader, typically a nation's chief executive or chief diplomat, and comes to be named after that leader. Richard Nixon's justification for the phased withdrawal of the United States from Vietnam, for example, came to be called the Nixon Doctrine. This pattern of naming is not universal, however; Chinese doctrines, for example, are often referred to by number.
The purpose of a foreign policy doctrine is to provide general rules for the conduct of foreign policy through decisions on international relations. These rules allow the political leadership of a nation to deal with a situation and to explain the actions of a nation to other nations. "Doctrine" is usually not meant to have any negative connotations; it is especially not to be confused with "dogma."
- See also: Chinese numbered policies
Russia / Soviet Union[edit]
United Kingdom[edit]
United States[edit]
- 1823: Monroe Doctrine
- 1842: Tyler Doctrine
- 1932: Stimson Doctrine
- 1947: Truman Doctrine
- 1957: Eisenhower Doctrine
- 1961: Kennedy Doctrine
- 1965: Johnson Doctrine
- 1969: Nixon Doctrine
- 1980: Carter Doctrine
- 1981: Kirkpatrick Doctrine
- 1984: Weinberger Doctrine
- 1985: Reagan Doctrine
- 1990: Powell Doctrine
- 1999: Clinton Doctrine
- 2002: Bush Doctrine
- 2002: Rumsfeld Doctrine


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Mista Taylor - Never Had Shit - Download MP3 music or MP4 video:
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How it works: Go to YouTube and find a video you want to download, copy its URL (like http://www.youtube.com/watch?v=MkviQTo67FM) into the text field at the top of this page and press "Go".
Check out the charts if you wanna know what's hot.
Drag the bookmarklet above to your browser toolbar, so you can download your MP3s and MP4s fast and comfortly by pressing on this bookmarklet whenever you're browsing YouTube.
Another awesome shortcut: whenever you're on YouTube just enter the two letters "xd" before the video URL and press enter: http://www.youtube.com/watch?v=MkviQTo67FM => http://www.xdyoutube.com/watch?v=MkviQTo67FM ;)


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[video] Jim Cramer Quick Take: Hain, Sprouts and Men's Wearhouse
NEW YORK (TheStreet) -- What's on the mind of TheStreet's Jim Cramer? Looking at today's headlines, he's not happy that shares of Hain Celestial Group (HAIN) have been getting hit thanks to an article published in Barron's.
But after speaking with CEO Irwin Simon on his Mad Money show last night, he thinks HAIN is the best natural organic food play in the stock market.
Also in the natural foods area is Sprouts Farmers Market (SFM), which is moving lower on news of a 17-million-share secondary offering.
Cramer said investors could use the selloff as a buying opportunity and sell the stock after it pops higher following the completion of the secondary.
Turning to the soap opera that is Men's Wearhouse (MW) and Jos. A. Bank Clothiers (JOSB), Cramer said it's ludicrous that JOSB would buy MW considering JOSB is the smaller company. However, with talk the opposite may now be true -- MW acquiring JOSB -- he said this would be a great deal and will likely get done. Cramer said he is a buyer of MW. -- Written by Bret Kenwell in Petoskey, Mich. Follow @BretKenwellCheck Out Our Best Services for Investors
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Find commute times to your work, school, gym and more.
The Villages at Nathanael Greene
Contact this property
Floor Plans
Prices, specials, features and availability subject to change.
Contact for details (417) 520-1230
Clubhouse, Disability Access, Fitness Center, Swimming Pool
Property Details
Live at Springfield's Most Beautiful Park. Country Club Quality Living. Scenic Setting in the Heart of Springfield.
Our property is conveniently located near 8 miles of walking/biking trails, Springfield's Premier Park, golfing, colleges, dining, and nightlife. The beautiful grounds feature Gorgeous Landscaping, Resort Style Pool, Picnic Areas, Clubhouse with State-of-the-Art Fitness Center. Units include the following great amenities: enormous floor plans, open kitchens, real ceramic floors, lush carpeting,fans in each room, oversized laundry rooms. Plus we now have town homes!
Call, e-mail, or fax us to schedule your personal tour of the nicest apartments in Springfield!
Leasing Terms
3-24 month leases available.
Pet Policy: Cats and Dogs allowed. 25 lbs max weight. Max of 1 pet. Aggressive breeds restricted. $300 pet fee.
Pet Policy
Dogs Allowed. Cats Allowed. Call for service animal policy.
Community Information
228 units
Building Type
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Check Availability or call
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Neighborhood Info
location | time | miles |
Ratings & Reviews
- 5 stars 2
- 4 stars 2
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- 2 stars
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Nice and peaceful
January 14, 2014
The Villages at Nathanael Greene Resident
Overall nice place to live. Occasionally have difficulty with air conditioner and dishwasher breaking down. Us Read Moreually quick to fix.
October 19, 2013
Contact Property
Contact this property
Office Hours
Monday-Friday: 8:30am-5:30pm
Saturday: 10:00am-3:00pm
Sunday: Closed
Managed by
Affiniti Management Services


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29th Dec 2005, 05:27 PM | #1 |
Frequent UT2004 Crashes
This is my first post so Im going to use it for something thats been annoying me. I got UT2004 at christmas but it crashes violently to desktop so much that its nearly unplayable.
Its a "critical error" followed by a list of Kactor>line1332>classX..... etc. Sometimes i can go a whole day with no problems, other days (like today) i can barely get 5 minutes of playtime between crashes. System Specs AMD 2600 2.1 ghz 512MB Radeon 9000 128mb (upgrading to 9800 pro or x800 in a few weeks) Running a patch, I think its the latest one but im not sure how to check. Defragged the HD a few days after installation. Have the single DVD normal version. The demo that i used before getting the full game was also just as bad, so its not just the game. Thanks alot for any help. In the mean time im getting on with making a map. |
29th Dec 2005, 05:30 PM | #2 |
Do you format or defragmantate your computer often? That usually help me when reinstalling doesn't do any good.
Oh, right... Have you tried reinstalling?
Last edited by Rk.; 29th Dec 2005 at 05:31 PM. |
29th Dec 2005, 05:34 PM | #3 |
Hi SlipStreams_65, and welcome to BU!
You can first blow away your user.ini and ut2004.ini and have the game remake them when you start it again. If that doesn't work, try the reinstall from scratch and apply the latest patch.
29th Dec 2005, 05:42 PM | #4 |
Buttsecks my suggestions and listen to huggybear.
You should add George W.Bush to your ''evils of this world'' avatar btw.
Last edited by Rk.; 29th Dec 2005 at 05:44 PM. |
29th Dec 2005, 05:45 PM | #5 |
Thanks for the quick replies. Ill try the ini delete and i may consider a re-installation.
29th Dec 2005, 05:52 PM | #6 |
Ooh, you added ol' George: D
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OC3D Reviews ›› Input Devices
CM Storm Novatouch TKL Review
Input Devices | 8th January 2015
CM Storm have taken the brave step of utilising Hybrid Capacitive switches in their latest keyboard, and we take them for a test drive.
Cougar 700K Keyboard Review
Input Devices | 22nd December 2014
Following the amazing success of their gaming mouse, we take a look at the Cougar 700K Keyboard. Can it match its rodent counterpart?
Corsair Sabre RGB Optical Mouse Review
Input Devices | 25th November 2014
The latest in the Corsair range of peripherals is their Sabre RGB mouse, reviewed here in Optical trim.
OC3D Articles ›› Input Devices
SteelSeries Announces New Sponsorship of SK-Gaming
Matthew Fogg | 16th January 2007
SteelSeries today announced a new sponsorship of international multi-gaming organisation SK-Gaming. Read on to find out more...
SteelSeries Announces New Improved Surface For SteelPad S&S
Matthew Fogg | 16th January 2007
SteelSeries today announced that a new improved gaming surface is available for the best selling SteelPad S&S mouse pad.
Toshiba Releases "Dynadock"
Mike Reilly | 11th January 2007
Toshiba has released an interesting new device that may save you some time and hassle...
DLO All - In - One Digital Music Dock
Matthew Fogg | 11th January 2007
If you're looking for an affordable, all-in-one dock that links your entire digital music and movie library directly from your iPod to your TV and stereo system, you'll feel right at home with the enhanced New HomeDock Deluxe. Read on to find out more...
Gigabyte Aorus Thunder M7 Gaming Mouse Review
Input Devices | 4th November 2014
If you're in the market for a MMO mouse, or one with plenty of buttons, then the Aorus M7 Gaming Mouse might be exactly what you need.
Roccat Tyon Mouse and Siru Surface Review
Input Devices | 27th October 2014
Roccat releasing a new mouse is a rare event, and we have their new flagship, the Tyon, up for review.
ASUS Strix Mouse, Headset & Keyboard Review
Input Devices | 24th September 2014
Are you in the mood for an entire range of harmonious peripherals? ASUS Strix brand has got you covered.
Corsair Gaming K70 RGB Cherry Switch Keyboard Review
Input Devices | 22nd September 2014
Tired of the same colour offerings but still want a mechanical keyboard? Corsair's K70 RGB is just the ticket.
Cougar 700M Gaming Mouse Review
Input Devices | 9th September 2014
Cougar, more famed for their PSU's, enter the gaming mouse fray with the 700M. And what an entrance they make.
Razer Pulls 2 For CES
Derrek Huey | 9th January 2007
Razer has hit CES with a bang, releasing 2 new products: a 2.1 desktop speaker setup and their second Microsoft collaboration.
Virtual Laser Keyboard Now Available
Matthew Fogg | 15th December 2006
About the size of a small cellular phone, (90 x 34 x 24 mm), the VKB enables users to type texts or e-mails as easily as with a ordinary keyboard. Interested? Read on to find out more...
Scythe 5.25" Multi-Function Controller
Matthew Fogg | 17th November 2006
Scythe Co., Ltd (Tokyo, Japan) announces the stylish 5.25" Bay multi-function controller, Kama Meter.
ASUS Bluetooth Dongle - Compose SMS On PC, Access Web Via Handsets
Matthew Fogg | 27th October 2006
ASUS Bluetooth Dongle - Compose SMS On PC, Access Web Via Handsets
Art. Lebedev To Release The Upravlator Keyboard
Matthew Fogg | 22nd October 2006
Art. Lebedev To Release The Upravlator Keyboard


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Saturday, Oct. 13, 1:00 — 2:30 pm
Floral City Branch
Meet NY Times & USA Today bestselling author Terri DuLong for a book signing and discussion of her delightful Cedar Key series that includes the books: Spinning Forward, Casting About, Sunrise on Cedar Key, and the soon to be released, Postcards from Cedar Key.
Terri resides in the nearby West coast fishing village of Cedar Key, where both the community and beautiful setting are her inspiration for this series.
From our Community Partners Blog
One Courthouse SquareInverness, Florida "Southern Exposure" Norman Bernard opens a jazz Valentine card for you and your sweetheart at the Old Courthouse. He and the Southern Exposure ensemble are... Read more
From our Community Partners Blog
Citrus County Parks & Recreation's P.L.A.Y. ProgramThe P.L.A.Y. program (Preparing Little Athletes Youth) is a comprehensive motor skills development program that will prepare you and... Read more
From our Community Partners Blog
Parks & Rec. will be presenting the "Willie Nelson & The Outlaws, with not really Willie" Show on March 5, 2015 at the Citrus County... Read more
From our Community Partners Blog
Parks & Rec will be presenting a Neil Diamond Tribute Concert on Saturday, February 28, 2015 at Citrus Springs Community Center. Keith Allynn, from Branson,... Read more
From our Community Partners Blog
Parks & Rec will be presenting a Comedy Night with Comedian Rene' Bray on Friday, February 6, 2015 at the Central Ridge Community Center. Rene'... Read more
The mission of the Citrus County Library System is to promote the pursuit of knowledge and deliver quality information and educational opportunities to the community.


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Superman Not Super Exciting
Went to a late show of the new Superman movie last night. It was not bad, but not super exciting. A little too much CGI, not quite enough story, and a bit too long. Some of the CGI stuff I just don't understand; they used CGI to do things that the old Superman movies did with live action. I have to say though, the guy who plays Superman was a perfect choice for the role. And, Kevin Spacey was a good choice for Lex Luthor.
Overall, it was entertaining but I would not recommend it for full price admission.
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Oh my chickens, this post is old!


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Written on: 17/11/2011 by CardZilla (1 review written)
I have a site on Superia called cardzilla.co.uk, the support I have received from Superia is second to none. The system is easy to use and anything I get stuck with the guys at Superia have helped me out within a very short space of time, they even help me out with things I didn't know were problems until they contacted me. For what you get with the system I think this is great value for money, highly recommended.
In terms of bad points the system could do with a few more features, but when I asked about these I was promised that they would be available soon.
As rated by real users
" The More Features the More Issues and NO Support " Read More
Written by hiithere
" Fraud " Read More
" Behind Held Hostage By Ecommerce Templates & Developers " Read More
" Amateur and absolutly shocking company! " Read More
" 2CO Refuses Canadian Credit Card, May Commit Fraud " Read More


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ValnJason's Mom Answers Activity
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