text:
Answer: Your interpretation is correct.
Answer: The limitation relates to the individual, that transition linkage and aftercare is limited to 40 hours per year so it is across all providers.
Answer: Financial transactions made by staff on behalf of a consumer are not billable. If the consumer goes with staff to the bank and watches how to do the transaction(s), it would be case management. If staff accompany the consumer to the bank and support them while consumer does the financial transaction(s), it would be CSI. What is described, however, is neither and is not billable.
Answer: Transition linkage and aftercare is an acceptable service to be provided to a consumer leaving a nursing home and re-entering mental health services in the community. However, the move to the nursing home from the hospital is a medical service due to post operative needs and not due to mental health needs and cannot be billed as a mental health service.
Answer: No.
Answer: This note does not describe a billable service.
Answer: Billing for case management services must be linked with client diagnosis, goals & objectives related to issues described in the MHA and indicated on the ITP. Case management can be performed without the client present, however, it is expected that the activity is directed to the specific needs of the client & that the client participates to the extent possible. Completing applications or forms in order that the client may receive entitlements is billable as case management if the client is unable to do so. Refer to the Service Definition and Reimbursement Guide for examples of case management activities. Some examples of non-billable general paperwork are: scoring tests; rescheduling appointments; reading e-mails; listening to voice mail; writing checks; making copies; report writing; completing treatment summaries; writing up client information; transporting and waiting for clients. An administrative component is included in each defined service rate.
Answer: You may bill for case management - mental health after the completion of the MHA and before the treatment plan is completed, with the caveat that CM is an assessed need that appears in the MHA report and the service appears on the treatment plan when it is completed. The provision allowing CM 30 days prior to the completion of the MHA allows for emergency/immediate case management when needed.
Answer: 1) Time spent in a staffing dedicated to multiple patients is not billable. 2) Time used conducting post-discharge home visits when the consumer is not at home are not billable. 3) Time spent faxing documents is not billable. Securing an appointment(s) on behalf of the consumer because the consumer is unable to do this for her/himself may be billable as case management. 4) Time spent accompanying a consumer to an appointment is not billable. If there is a direct intervention with the client, some of the time may be billable. In summary, the rule is that interventions provided directly by staff to a consumer are billable. When a staff person is not providing a direct intervention, that staff person may not bill.
Answer: The transfer summary provides documentation of the client's needs. If this is a significant change, an ITP modification must also be completed.
Answer: This may be CM-CCC, as long as no direct mental health service is being provided to the client. If the client is receiving services, then it would be billed as that service.
Answer: There is an annual per client limitation of 40 hours for CM - Transition linkage and aftercare. The annual limitation for all other case management is 240 hours per client.
Answer: Rule 132 allows this to be billed and we believe it would best be billed as CM Transition linkage and aftercare.
Answer: When there is an ITP in place and there is no goal/objective related to this need, then case management may not be billed for it. The ITP needs to be amended and the assessed need change documented. Remember, the ITP is a living, breathing document that should be changed to reflect changes in need.
Answer: These services are allowable assuming the ITP supports them. Work with DCFS would be no different than work on behalf of the consumer with any other agency.
Answer: CM-TLA is defined by rule as "Planning with staff of a client's current or receiving living arrangements (including foster or legal parents as necessary); Locating placement resources; Arranging/conducting pre- or post-placement visits; Developing an aftercare services plan; or Planning a client's discharge and linkage from an inpatient psychiatric facility, including an IMD or nursing facility, for continuing mental health services and community/family support." The Service Definition and Reimbursement Guide gives the following examples of CM-TLA: Services provided to clients identified for transition from a nursing facility to the community; Time spent planning with staff of the nursing facility or the receiving living arrangement and community service providers; Assisting client in completing paperwork for community resources; Arranging or conducting pre- or post-placement visits; Time spent developing an aftercare service plan; Time spent planning a client's discharge and linkage from a nursing facility for continuing mental health services and community/facility support; Assisting the client or the client's family or caregiver with the transition; Post placement assessment of community stability. Community Support may be provided after the community provider has completed the mental health assessment report that indicates the need for CS and while the treatment plan is being developed as long as it then becomes a recommended service on the ITP. It may not be authorized by the hospital treatment plan.
Answer: Transition linkage and aftercare is provided to assist in an effective transition in living arrangements. It is not limited to services while the client is in a facility.
Answer: The act of accompanying a client anyplace is not a billable service. Only the time that is spent intervening for or with the client is billable time. If staff advocates on behalf of the client during a doctor appointment while in the room with the client and doctor, it is billable as CM-Mental Health. If staff is in the room with the doctor and client, and prompts the client to speak up for her/himself as part of applying skills learned in a natural setting, it is billable as CS-Individual.
Answer: No, paperwork is not a billable activity.
Answer: No, not if the activity is strictly clerical in nature. However, assisting the client to meet the requirements necessary to receive entitlements may be case management activities even in the client's absence. It is expected that the activity is directed to the specific needs of the client and that the client participates to the extent that is possible.
Answer: Report writing is not billable, including reports to the court. The rates for all services include an administrative component that includes report writing. However, assisting the client to meet the requirements necessary to receive entitlements may be case management activities even in the client's absence. It is expected that the activity is directed to the specific needs of the client and that the client participates to the extent that is possible.
Answer: Case management can be provided up to 30 days prior to the completion of a mental health assessment.
Answer: If the service is provided and the client disengages prior to completing the mental health assessment or treatment plan, document the client's status in the record and you may bill for the services.
Answer: The 240 hours includes case management and client centered consultation. It may be tracked and disallowed. CM - Transition linkage and aftercare has a separate annual limitation of 40 hours per client.
Answer: Yes.
Answer: CM-TLA is transition from one living arrangement to another. This includes to and from the hospital.
Answer: Time spent in the room with both the psychiatrist and client during a psychiatric evaluation, advocating on behalf of a client, may be billable as case management-mental health. Time spent prompting the client to speak up for herself, to apply skills learned while in a natural setting, may be billable as community support-individual.
Answer: Discussion during supervision is not billable.
Answer: Separate certification is not required for CM-LOCUS. If the provider is certified for CM-MH, that is sufficient.
Answer: This is not billable as performed.
Answer: Rule 132 requires that "A provider shall, at a minimum, directly provide mental health assessment, ITP development, review and modification and at least one additional Part 132 mental health service."
Answer: Yes. We would expect the services to be billed directly to HFS for physician services as this is not a rule 132 service.
Answer: All the services would be billed as off-site as long as there is no staff office maintained in the building and the site is not owned or leased by the provider.
Answer: No, the activity that you describe is not billable. Copying, report writing and other paperwork is factored into the rate for case management as an indirect cost, not as billable time.
Answer: Doing things on behalf of a consumer e.g., picking up medications, purchasing groceries, etc., is not billable. 1) Is not billable as CM-MH. Mail-order is a distinct possibility in this situation, and an even greater variety of clothing may be available through catalogs or the internet. 2) Is not billable as CM-MH. If a client has been determined to be disabled (receives SSA-disability and/or SSI benefits), other state or community agencies may be able to assist. We encourage you to be creative in meeting your clients' needs.
Answer: 1) Those are considered to be services to the client. 2) No. If you're assisting the client in doing something, the client needs to be there in order to be assisted. 3) Yes, assisting the client with budget preparation would be ok, again, as long as the client is there to be assisted and you're not just doing a budget and then giving it to him/her.
Answer: The note submitted does not specify the time and duration of the proposed service. From the note, it appears that perhaps a limited amount of the time could be billable as case management. The only intervention described is assisted client with obtaining weekly amount of Clozaril. That brief (minimum 7.5 minutes) amount of time would be billable as case management. The rest of the time is not billable per this note because no intervention is described.
Answer: No. Regardless of the time during which said consult occurs, as described, it consists of a supervisor guiding subordinate staff on the proper direction of services. It is not assisting the client to access resources (CM-MH), or a consultation regarding the treatment plan (CM-CCC).
Answer: CBOs must have an ITP with the service included to bill for service other than mental health assessment or treatment plan development. If the state hospital has an ITP that includes transition and linkage services and they make a copy of that available to the CBO, the CBO may use that for the transition period while the client is still hospitalized and prior to beginning their own mental health assessment process.
Answer: There were no such findings in Illinois' recent federal CMS audit. Applying for entitlements for clients is case management - mental health as defined in the Illinois Medicaid State Plan.
Answer: If you are consulting with the pharmacist, bill MH-Client Centered Consultation. If you are ordering medication and no consultation occurs, bill MH-Case Management.
Answer: No, you should bill ACT for all services provided by the ACT team to an ACT client.
Answer: It depends on what is being done. If it includes gathering information to complete a mental health assessment, it would be billed as that. The rule allows the provision of case management for 30 days prior to completion of the mental health assessment, so if case management services (doing for the client) are being provided, it would be billed as case management.
Answer: "Processing check requests" is not a Medicaid service. The part of rep payee that may be a Medicaid service includes activities such as: assisting the client in completing benefit applications (CM)and working on budgeting skills (CS). The act of simply making out a check is not a Medicaid service. Social Security has a program that will pay for rep payee which can be accessed at: http://www.ssa.gov/payee/ .
Answer: Yes, as long as this is not general paperwork, copying documents, and documentation of service delivered.
Answer: CM-transition linkage and aftercare is limited to 40 hours per year per consumer and all other case management services are limited to 240 hours per year per consumer.
Answer: It is billed using a deferred diagnosis.
Answer: The activity (face-to-face or on the phone) of collecting social history information and assessment of needs is considered Mental Health Assessment.
Answer: This should not be billed as Case Management-Mental Health, but as Community Support-Individual or Therapy/Counseling.
Answer: It is unclear why someone would not fit the criteria for Community Support-Individual. These calls should not be billed as CM-MH, but as Community Support-Individual.
Answer: Yes, as long as a copy is maintained in the SASS agency file and transition linkage and aftercare services are mentioned in the ITP. When the client is released, the agency must begin its own mental health assessment process.
Answer: CM focuses on doing things "for" a consumer (getting them their benefits, finding them housing, etc), while CS is an active intervention "with" the consumer to build their capacity and teach them how to access resources.
Answer: As you have described it, this is not allowable. Individual units of a service may be "rolled up" into one claim as long as the services have the: Same procedure code, Same date of service, Same level of care modifier, Same license level modifier, Same place of service, and Same staff level of qualification in the claim note field. If any of these requirements are not met, a separate unique claim must be submitted.
Answer: They can bill CCC if there is consultation with the physician on treatment and if they're not also billing any other service for the same period of time. Yes, the client may be present.
Answer: If two staff are meeting together doing Client Centered Consultation, only one can bill. The piece in the guide refers to an instance where one staff is doing CCC at the same time that another staff is actually working with the client providing a direct service. Both may bill in that instance. ACR is an activity provided by DCFS providers for DCFS wards and is paid for by DCFS.
Answer: CM-TLA is only for transition linkage when a client is transitioning from one living arrangement to another. The services described might be case management mental health services.
Answer: TLA can be provided only until the new placement is secure. It cannot go on for quarter after quarter. Once the client is placed in the community, the community provider has 30 days to complete a MHA.
Answer: This point was intended to highlight the difference between CS and CM. CM focuses on doing things 'for' a consumer (getting them their benefits, finding them housing, etc), while CS is an active intervention 'with' the consumer to build their capacity and teach them how to access resources.
Answer: Case Management will continue to include facilitating consumer access to services. However, direct interventions that include conflict management, anger management and other skills/supports should be billed as the appropriate Rule 132 service (e.g. CS, PSR or Therapy/counseling).
Answer: Medication monitoring can be provided by staff designated in writing by a physician or advanced practice nurse per the collaborative agreement. Case management mental health shall be provided by at least an RSA. Case management client-centered consultation shall be provided by at least an RSA. Case management transition linkage and aftercare shall be provided by at least an MHP. Any higher level staff may always provide 132 services.
Answer: Agencies bill for the administration of the LOCUS as an "event", meaning that it is a set rate regardless of the amount of time spent completing the scoring of the tool. All parts of the scoring must be based on information obtained through face to face contact with the client for whom the tool is being scored, but the client need not be present at the time the tool is scored in order to bill for the event of completing the LOCUS. There must be a separate LOCUS tool completed for each time an event of LOCUS is billed. (9/1/11)
Answer: When a client is in a SOH, the community provider should be involved related to return and transition to the community. The delivery of all other services during that period of time is the responsibility of the SOH. Mandated follow-up is the same service as the 132 service Case Management- Transition Linkage and Aftercare. It should not be provided to a client the entire time they're in a SOH, but when discharge is nearing and transition is needed. A community placement includes discharge to the client's home. (9/1/11)
Answer: Because this is assisting the client in accessing a benefit that will assist in his/her recovery and not just paperwork, it MAY be billable as Case Management - Mental Health. It is important that the service be identifiable to one client and be for at least one billable unit of time. Staff may not spend 15 minutes, for example, completing forms to obtain this benefit for four clients and bill for each of them. (9/1/11)
Answer: Case management mental health may be provided to meet immediate needs while the mental health assessment is being completed. Once the MHA is completed, case management must appear as a recommended service in order to continue and then must also appear on the ITP when completed. MH-Case management may not be provided prior to initiating a mental health assessment. (12/1/11)
Answer: Case management - mental health is limited to 240 hours per year per client. (12/1/11)
Answer: This is not Case Management Mental Health. (12/1/11)
Answer: When a client is being discharged from a SOH, inpatient psych unit or IMD, the mental health assessment and treatment plan of the discharging setting may be used to authorize Case Management - Transition Linkage and Aftercare as long as the inpatient setting treatment plan references the need for discharge linkage to the community. This may only be used until the MHA is completed per the requirements of Rule 132. (6/1/12)
Answer: Case management - client centered consultation is a professional communication. As such, it is not a conversation with parents, guardians or foster parents. Some aspects of communication with guardians/foster parents may be considered mental health assessment; some interactions with them may be considered community support; some interaction with them may be considered another 132 service. Some interactions may not be billable. In order to bill for any service, it must be documented by the staff who provided the service, it must be the service as described in rule 132, and it must be medically necessary to the mental health needs of the client. (9/1/12)
Answer: The only case management that can be provided prior to the completion of the MHA report is case management - mental health and that can be provided for only 30 days prior to the MHA report completion. After the completion of the MHA report, any service authorized by that report may be provided as long as the ITP is completed within the required time frame and the service appears on the ITP. (9/1/12)
Answer: As a rule, 132 services should be provided with the client being present. Case management - mental health may be provided without the client present when what is being done is imperative to the well being of the client and the client cannot be present, or when it is clinically impossible to deliver the service in the presence of the client. (9/1/12)
Answer: Yes, it is. Please remember that, as with all Rule 132 services, it must be documented in a timely way as the service that it is. It may not be documented in a note that describes the provision of crisis services. (9/1/12)
Answer: The actions described are not separate Rule 132 services including CM - mental health. Obtaining consents for services is part of doing a mental health assessment and developing a treatment plan. Getting consent for psychotropic medication is part of the prescribing physician's responsibility. These activities are considered part of other services and are not separately billable. (12/1/12)


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Wireless Solutions
Wireless Solutions from Continental Resources, Inc. (ConRes) encompass all aspects of wireless from site survey and assessment to final implementation. This means the solution has been mapped and tested for accuracy prior to integration in your environment.
The following list includes the standard Professional Services (PS) offerings in the Wireless Solutions area; others are also available. Please contact your ConRes account representative or PS solution manager with your special requirements.
- Enterprise Wireless
- Integrated Solutions
- Simplified Wireless Solutions
- Scalability to meet future demands
- Centralized Management
- Business Discovery Services
- Unified Advanced Services
- Wireless Security
- Security Assessments
- Secure Connectivity / Encryption
- Rogue AP Detection
- Centralized Management
- Location/Content-Aware
- Comprehensive Site Surveys
- Outdoor Wireless
- Unified Communications on wLAN
- Guest Access
- Unified Advanced Services
o Unified Wi-Fi VoIP
o Advanced threat detection
o Identity networking
o Location-based security
o Asset tracking
o Guest access
- World-Class Network Management
o Security/Scalability /Reliability
o Ease of deployment
o Centralized Management
o Dynamic Optimization
- Network Unification
o Secure WLAN Controllers
o Transparent Wireless Networking
- Client Devices
o "Out-of-the-Box" compatibility
- Mobility Platform
o Ubiquitous network access
o Enhanced productivity
o Plug and play
- Complete Wireless Assessment
o Site Evaluations
o Interference Analysis
o Rogue AP Detection
o Signal Containment
o Security Assessment
- Design
o Site Diagrams
o Load Balancing
o Redundancy

subset: commoncrawl


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Weezer Cover Cars' Classic "You Might Think"
In recent years Weezer have been tackling the Great American Rock Songbook, delivering covers that range from the somewhat predictable (see: MGMT's "Kids" and Nirvana's "Breed") to the straight-up weird (check out their take on Radiohead's "Paranoid Android"). The band's latest offering: a rendition of the Cars' 1984 classic "You Might Think," which the group has contributed for the soundtrack to, er, Cars 2. Check it out below.
Weezer's cover is an absolutely dead-on copy of Ric Ocasek's original - that's a good thing - and Cuomo's voice perfectly matches Ocasek's pinched, nasally croon, while the back-up vocals are as glossy as the original. Plus, how many synths did Weezer have to test out in order to nail that percussive melody in the intro?


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One thing missing, though, in this examination of why journalists and pundits are drawn to a certain style of reporting, is the input of journalists themselves. Of the seven people Baker quotes in the piece, only one, Ronald Brownstein, the editorial director of the National Journal Group, is directly involved in journalism of the type that Baker is examining (others do give input as pundits, but are historians, authors, and communications directors/managers). Baker wrings some interesting insights from Brownstein—"At its worst, that effort becomes like the parody of Hollywood pitch meetings—you know, this is like 'Miami Vice' meets 'The Smurfs,' or something"—but the piece would have benefited from more input from folks in similar positions. What does Politico's top brass say is the value of presidential comparisons? Or Time's Michaels Duffy and Scherer, who brought us the Obama/Reagan cover story? A bit of self-reflection would have been handy here.
It might have come from Baker himself. He writes at one point: "In full disclosure, I wrote one of the first articles making the Johnson analogy as Afghanistan decisions loomed. My wife, Susan Glasser, editor in chief of Foreign Policy, published one of the first magazine covers comparing him to Mr. Carter. (Intriguingly, it was not Mr. Obama who objected, but Mr. Carter.)" And yet, while Baker diligently grinds the cogs to convince us that the phenomenon of comparison has reached new heights with Obama—though, this might also be a matter of the number and constancy of the media outlets who make such comparisons—he does not pause to press himself on what he found valuable in measuring the president against Johnson. We get a number of suggestions, in the form of questions and musings. But if the presidential comparison is a useful trope, he could come out and tell us why, as someone who has employed it. If not, he could explain his reasoning. This might have been a more direct route to the crux of the piece.
In a political column about political writers making comparisons that are often made in the paper for which the author is writing, a little more naval-gazing from Baker might have pushed the meta needle off the dial, true. But it would have also pushed the article to be something more than an diverting he-said, he-said, and then she-said piece about the journalistic method. We might have gotten a smart political journalist seriously examining his own.


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Are you looking for magic at a Walmart price? Do you want a real person to ask questions and advice on items prior to purchase? Do you want...Read More ->
I don't buy a lot of magic props, but when I do, MJM is my first choice. The service is prompt and personal. They will match prices and seek out...Read More ->


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There is yet another way to go green right in your own backyard. The New Hanover County Soil and Water Conservation Office is holding a compost bin and rain barrel sale.
Rain barrels cut down on water usage to help save the environment and save money. They are placed underneath your gutter and collect rain water that can be used again to wash your car or water your yard.
"This is one of the easiest ways you can get involved. These are easily installed and just a way for you to help promote natural resource protection in our area, as well as saving some money for your pocketbook," said Jennifer Alford of NC Soil and Water Conservation.
The sale will be held the second Thursday of each month at the Conservation Office at the New Hanover County Government Center.
The rain barrels go for $95 and the composting bins cost $70.


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Tamarindo Property Description
Welcome to "La Caja de Joyas" or "The Jewel Box", our family's private and relaxing vacation property. We are located in the quite community of Playa Langosta, Tamarindo. Playa Langosta is an upscale community with a variety of shops and services as well as an amazing beach suitable for family swimming and some of the best surfing in the area. You can beach walk for miles or just relax and enjoy the amazing climate and rustic feel of the area. A short walk, 2 minute drive or taxi takes you into the commercial center of Tamarindo where there are many more shops, clubs and restaurants lining the beach. When not at the beach book an adventure tour, enjoy an afternoon/sunset sailing cruise, go turtle watching, take in a fitness class or just relax and enjoy a frozen Mojito, one of our favorite guilty pleasures while watching the evening sunsets. Or enjoy some delicious Costa Rican coffee at one of the specialty shops close by. You can also attend the Saturday market where local produce and arts and crafts are offered up.
Let us help you get to some of the best Costa Rican attractions, volcano areas or ancient ruins. There are lots to do for whole family. Our property is a wonderful mix of Spanish style architecture combined with a clean and modern interior. Rental rates include taxes, all utilities and cleaning prior to check in and at check out. The property is also cleaned when unoccupied to ensure it is kept in the best possible condition. Floors are tiled and countertops are granite throughout. The tray ceilings and custom cabinets and doors add additional interest to the overall attractive interior. There is plenty of space in the open concept kitchen/living area with room to relax, entertain or socialize with family and friends.
* Very clean, well kept property, upscale furnishings and décor
* Safe lockable ground floor security gate to stairs leading to 2nd floor condo entry door
* security safe
* Fully equipped modern kitchen, including dishwasher, fridge/ice maker, granite, tile, custom cabinets, electric stove and oven, blender, coffee maker, kettle, knife block, rice cooker, toaster, fully equipped utensils, dishes, pots and pans
* Private Gas BBQ on roof terrace
* Clean and comfortable living room furniture, throws, pillows, nicely decorated, custom rosewood tables
* 42" plasma flat screen TV, custom built entertainment wall unit
* Apple TV router for access to your Netflix account or other Apple provided free TV services
* DVD player and movie library approx. 40 DVD's, board games
* 3 meg high speed wireless internet included
* High tray ceilings, custom lighting, A/C and two fans in living room, A/C and fans in both bedrooms, ceiling fan on patio
* Large outdoor covered patio overlooking the pool area, furnished with custom teak furniture, cushioned teak sofa to relax and read on, cast iron Castille raised bar table, ceiling fan and night lighting, shaded during hot daytime hours
* Spacious bedrooms, each with individual walk in closets & ensuites, tiled glass wall showers, no tub, granite counters
* 3rd two piece guest bathroom off the living room area, granite counter, sink, toilet
* All linens, towels, beach towels provided for your use
* Hair dryer and iron provided at the condo
* Clock radios, iPod docks, music in each bedroom and living area
* Private laundry room, washer/dryer & supplies located outside main entry door away from living room and bedrooms
* Large tiled roof top terrace for private relaxing and star gazing at night
* Resident gardener, maintenance and security person on site 24/7
* Smaller development, 9 units total, sharing pool & common areas, ensures a quiet and relaxing stay
* Assigned and gated off street parking
* Owner operated, plus local property manager, 13 years in Tamarindo, many personalized services available, personal check in/out
* Grocery store, sports bar, beach access all 1 - 2 short blocks from condo, easy walk, quiet streets
Please feel free to contact us for additional information on the area or the property itself. We enjoy answering questions and making your decision as easy as possible.
We are a Canadian family who enjoy our second home in Costa Rica and are happy to share it with others when we are not there. Our objective is to provide the most relaxing and enjoyable experience we can in the same manor that we enjoy Tamarindo/Playa Langosta. We stay in close touch with our guests and have a friend and property manager who lives in Tamarindo that will support your stay as well. He can be reached at any time and provides many additional personalized services to the very few properties he manages. As a retired couple we have set the property up as our second home and leave it as we use it for our guests. You will find it very comfortable, clean and well maintained.
"Tamarindo is a great town with a beautiful beach. Great for surfing and swimming. Tamarindo has a full set of services as well as great shopping, world class restaurants and nightlife. There are so many great outdoor activities: canopy tours, catamaran tours, ATV, horse back riding, surfing, scuba diving, volcano day trips, white water rafting to name a few! You will find the property to be very safe and Langosta to be the perfect balance of a relaxing community with easy access to the commercial centre of Tamarindo."
Almost limitless options for shopping, restaurants, tours, activities of all sorts. Tamarindo is well developed but retains a very rustic non commercial feel to it. Beaches are amazing, weather in this spot on the Nicoya Peninsula is some of the driest, nicest weather in all of Central America. It is what attracted so many to this location after the International Airport was opened in Liberia, about 45 minutes from Tamarindo.
Rate Period | Nightly | Weekend Night | Weekly | Monthly | Event | ||||
Jan 5 2015 -
Apr 30 2015
3 night minimum stay
May 1 2015 -
Aug 31 2015
3 night minimum stay
Sep 1 2015 -
Nov 30 2015
3 night minimum stay
Pre Holiday Season
Dec 1 2015 -
Dec 19 2015
3 night minimum stay
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.
25% rental deposit required to reserve, balance due 60 days prior to arrival. $500 security deposit due upon arrival, refunded at check out.
Christmas, New Years, Easter US$ 1,950.00, Thanksgiving US$ 1,500.00, 1 week min.
Inquire for Monthly Rates
Rental rates include taxes, all utilities and cleaning. No additional charges.
US$ 500 security deposit required at sign in time, returned at check out.
"This condo it is so closed to the white sand beach of Langosta, the estuary and ocean breezes, the sea birds, amazing sunsets, a real natural paradise. The Leather Backs turtles (largest in the world) nest in Playa Langosta and howler monkeys are known to visit our terrace from time to time and are always close by! Langosta is Spanish for lobster and they can be caught right off the local shores."


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Regions:Dover/Somersworth -Great Bay - Rochester - Southern Maine | |||
Exeter Greenland Portsmouth New Castle Newington Stratham Rye | |||
Go Mobile: http://mobile.fosters.com Atlantic gymnasts compete at Pilgrim Invitational
Wednesday, November 28, 2012
WORCESTER, Mass. — Level 5 gymnasts from Atlantic Gymnastics Training Center (AGTC) of Portsmouth recently returned home from the Pilgrim Invitational hosted by Giguere Gymnastics and held at South High School in Worcester, Mass. |


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Superman Man of Steel Favor Set
Superman Favor Set
Hurry, only 6 in stock!
In Stock - 1 business day processing+shipping
Sale Price: $5.59 pkg/48
Was $9.99,
You save 44%
Due to distribution and licensing specifications this product can not be shipped outside USA.
More Details
CHOKING HAZARD - Small parts
Not for children under 3 yrs
Not for children under 3 yrs
Send your guest home with man of steel with our Superman Favor Set.
The Superman Favor Set will let you create a super favor pack for all your superheros. The Superman Favor Set includes:
- 8 - Activity Sheets
- 8 - Flying Discs
- 8 - Stickers
- 8 - Yo-Yo's
- 8 - Bookmarks
- 8 - Temporary Tattoos
Please allow ample time for delivery. Our ship date for this product is noted in your shopping cart. Many items are shipped separately, so please allow extra time for these items to arrive. Shipping charges are based on the value of the merchandise and not the number of shipments. For additional shipping information, contact our Customer Service Department at (firstname.lastname@example.com or 1-800-314-8794).
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Here is mine:
Here is mine:
I have sent those that completed their prize.
If you finish before 5pm Eastern today, I'm sure a prize can still be awarded. I completely understand about things coming up
son got sick at school had to go get him but i thought i would share anyway
Oh man looked for the thread and didn't see it. I could have had a LO done. Oh, well that is what I get for being sick. I fell asleep literally minutes before this SS started.
Kim Goodman
Proudly CTing for Ponytails Designs, Winsor Digi Designs, Queen Bee Scraps, Leaving A Legacy, Arizona Girl, Double Trouble, Scrappiness Designs and Kapiscrap & Art.
Just getting around the board and seeing this...when they pick up my God Daughter I've got 3 speed scraps to work on, before chat at 7cst...I'll be awake all night!


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Horns! Ensemble Concert
Monday, April 14, 2014 from 7:30 pm - 9:00 pm
Howard Hall, Reynolds Recital Hall
Howard Hall, Reynolds Recital Hall
Large and small horn ensembles will present works composed by Beethoven, Ewazen, Vaughan Williams, Basler and the Beach Boys. The twenty-two member ensemble is made up of students and alumni from the MSU School of Music and the community. The ensemble is directed by Sherry Linnerooth. Please join the Horns! Ensemble for this FREE concert.
The cost of this event is: Free and open to the public
For more information go to:
For questions regarding this event, please contact:
School of Music
Sponsored by:
School of Music
Listed as: Colleges Entertainment Arts and Architecture Concerts Academics Audience School of Music Year of Engaged Leadership All Audiences


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A Yosemite National Park housekeeper last week sprayed a bleach mixture on the floor of a ''Signature Tent Cabin'' to kill possible mouse-borne hantavirus, which has killed three visitors and sickened five others.
The interior of one of the 91 ''Signature'' tent cabins in Curry Village at Yosemite National Park in California. An outbreak of mouse-borne hantavirus pulmonary syndrome that has killed two park visitors and sickened four others has been traced to the luxury tents, which have been closed.
Two people have died after contracting a rodent-borne virus after staying in Curry Village in Yosemite National Park in June. Officials say a woman also became seriously ill from hantavirus and officials are investigating a fourth possible case.
The Merced River, which flows thorugh Yosemite National Park, is shallow near the banks in late summer but quickly gets deeper and swifter.


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The withdrawal of foreign forces could leave Afghanistan on the brink of social, political and economic collapse. Is there still time to avoid disaster?
BOSTON — The bad news on Afghanistan just does not stop. With the prospect of significant troop cuts over the next year, analysts on all sides of the debate are warning of ominous developments ahead.
The most common fear is that Afghanistan is heading for a civil war between the Taliban-led insurgency and their foreign backers, on the one hand, and the Afghan government, backed by the Afghan National Security Forces, on the other. Few hope for a positive outcome with such an alignment of forces.
Former Interior Minister Hanif Atmar made the rounds in Washington last week, using his considerable urbane appeal to make the case for continued US involvement in Afghanistan. If the foreign forces leave too soon, warned the UK-educated Atmar, "The state will disintegrate … It is the perfect scenario for a proxy-led civil war," which he said would include Pakistan and Iran.
Atmar, who lost his job last year in the wake of a security incident at the president's Peace Jirga, has just founded a new political party, Right and Justice, and observers say he might be trying to drum up support for his own oppositionist coalition.
More from GlobalPost: Karzai's peace meeting plagued by conflict
But the warning resounded in Washington, which is already nervous about the troop cuts announced for next year by US President Barack Obama.
The World Bank has just issued dire predictions about the Afghan economy, which, it says, could completely implode without the aid money that the foreign intervention has brought into the country.
None of this is startling news to those who follow Afghanistan, or to the millions of Afghans facing an uncertain future. They have been voting with their feet and their wallets for many months now, causing property prices in the capital, Kabul, to fall by more than 40 percent over the past year. Many Afghans are looking for an exit.
But how likely is it that Afghanistan will suffer a repeat of its dark history?
"If the current political process continues, where people lose trust in their government, by 2014 the current government will be unable to take responsibility for Afghanistan either militarily or politically," said Haroon Mir, head of the Center for Research and Policy Studies in Kabul.
But according to Michael Semple, a leading expert on Afghan politics and the Taliban at Harvard University's Carr Center for Human Rights Policy, the worst might still be avoided.
He cautions against "woolly assumptions" that Afghanistan is inevitably headed for a repeat of the 1990s, when the power groups formed to battle the Soviets turned their anger, and their guns, on each other.
"We should not underestimate war fatigue among Afghans," he said. "They are determined to avoid a civil war, even as it is staring them in the face. But it is a very serious prospect."
More from GlobalPost: Kabul attack belies US optimism
One of the main problems, said Semple, is that the promise of 2001 has not been realized. When the Taliban regime collapsed, it was time for Afghans to renegotiate their social contract, to decide just who was going to play which role in the new Afghanistan.
Instead, they were given a system in which the largest ethnic group, the Pashtuns, felt marginalized, in which some of the more nefarious actors from the civil war years were given a large share of power, and where ethnic and regional divisions were allowed to fester.
"I am not sure people have appreciated how dangerous the failure of the political process over the past 10 years has been," Semple said. "In 2001, the task was to establish a functional pluralism in a country where the 'ancient regime' had disappeared in 1978."
Afghanistan has been in conflict since Prime Minister Daud and his family were overthrown and murdered in a communist-led coup in April, 1978. According to Semple, reestablishing a system in which all segments of Afghan society can feel that they have a place is of paramount importance.
But since 2001, when the international forces sent the Taliban packing and installed Karzai as the head of the interim government, things have gone badly awry in Afghanistan.
More from GlobalPost: The Drone Wars
Some would argue that the country is not much better off now than it was before the US-led intervention.


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Special Pricing for Couples
Recommended by the CDC
Payment Plans Available
Sexually Transmitted Diseases
STDs are diseases that are spread by having sex with someone who has an STD. You can get a sexually transmitted disease from sexual activity that involves the mouth, anus, vagina, or penis.
According to the American Social Health Organization, approximately 18.9 million new cases of STDs, not including HIV, occur each year in the U.S. More than half of all people will be infected with an STD in their lifetime.
STDs are serious illnesses that require treatment. Some STDs, like AIDS, cannot be cured and are deadly.
What Are the Symptoms of STDs? Frequently, there are no symptoms. If symptoms are present, they may include one or more of the following:
• Bumps, sores or warts near the mouth, anus, penis or vagina. • Swelling or redness near the penis or vagina. • Skin rash. • Painful urination. • Weight loss, loose stools, night sweats. • Aches, pains, fever, and chills. • Yellowing of the skin (jaundice). • Discharge from the penis or vagina • Bleeding from the vagina other than during a monthly period. • Vaginal odor. • Painful sex. • Severe itching near the penis or vagina.
Because most STDs can be symptom free, do not assume that you or your partner are not infected just because you do not have any symptoms. STDs can be present for years before they become symptomatic, so the only way to know for sure if you or your partner has an STD is to get tested.
Test Offered
Hepatitis B Surface Antibody Test This antibody appears approximately 4 weeks after the disappearance of the surface antigen and signifies the end of the acute infection phase. HBsAb also signifies immunity to subsequent infections.
Hepatitis C Core Antibody Test This antibody appears approximately 1 month after infection with HBsAg and declines over several years. HBcAb is also present in people with chronic hepatitis.
Both a urinalysis and a complete blood count provides an excellent indication of a person's overall health. It is very rare that something can be going on in the body and it does not show up in the blood or the urine.
Urinalysis Urinalysis Testing Total Urinary Analysis (UA) involves multiple routine tests on a urine specimen. A UA will routinely include color, appearance, and odor; pH; and presence of proteins, glucose, ketones, and blood. It is also examined microscopically for RBCs, WBCs, casts, crystals, and bacteria.
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text: A new report shows a record number of children died of abuse last year. Gov. Jan Brewer has launched a task force to find out how we can prevent that from happening again. Clarence Carter, head of the Arizona Department of Economic Security, and Maricopa Bill Montgomery are on that panel and talk with Frank Camacho about what is being discussed.


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The United States Attorney's Office for the Middle District of Pennsylvania announced today that an Information has been filed charging a Summit Hill man with failing to register as a sex offender in Pennsylvania.
The defendant, Robert Connors, III, age 30, is designated as a sexual offender as a result of a conviction in 2006 for possession of child pornography under the Uniform Code of Military Justice. It is alleged in the Information that Connors knowingly failed to register and update information as he was required to do pursuant to the provisions of the Adam Walsh Act.
The charge is the result of a joint investigation involving the Pennsylvania State Police and the United States Marshals Service. It carries a penalty of a maximum term of 10 years' incarceration and fines in the amount of $250,000.
Prosecution is assigned to Assistant United States Attorney Michelle Olshefski.
An Indictment or Information is not evidence of guilt but simply a description of the charge made by the Grand Jury and/or United States Attorney against a defendant. A charged Defendant is presumed innocent until a jury returns a unanimous finding that the United States has proven the defendant's guilt beyond a reasonable doubt or until the defendant has pled guilty to the charges.


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BATON ROUGE, LA (FOX44) - "My one vote, that's all I can cast, if could cast 100 I would," said Exie Wilkes, a voter in Baton Rouge.
Exie Wilkes is just one of many red stick residents who made their way out to the polls Saturday to cast their vote.
"I wanted to try to change things, the way they are, i think we need someone new in that white house," she said.
Saturday was the primaries.
That means that even though you couldn't choose our next leader today, those who voted will choose your choices.
Voters like Lee Shipp say they want a stake in the whole election.
"I think it's important that we're involved in the whole process and not just the election," said Shipp.
Shipp says these primaries really help you get a feel for the best candidate.
"I think that when we have several candidates running, it's important to support the candidate that best represents us," he said.
But.. Voters like William Currier say if you don't vote, then you have no say in the candidates, and no say in the choices you'll have come November.
"A lot of people complain about the government, we complain about things we don't like, and this is our opportunity to change it," Currier said.
Currier says he'd rather make a choice he can live with today, instead of letting someone say who he chooses tomorrow.
"People don't really think about it, they don't really think about how much it'll affect them, everything about this nation, a lot of it's changing, it's important," he said.


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Drugs A - Z
Thiamine Mononitrate (Vitamin B1) Oral tablet
It is added to a healthy diet to prevent or to treat low vitamin B1 levels
Generic Name: thiamine
Brand Names: Thiamine Hydrochloride
What is this medicine?
THIAMINE (THAHY uh min) is a vitamin B1. It is added to a healthy diet to prevent or to treat low vitamin B1 levels.This vitamin may be used for other purposes; ask your health care provider or pharmacist if you have questions.
What should I tell my health care provider before I take this medicine?
They need to know if you have any of the following conditions:- Wernicke's disease
- an unusual or allergic reaction to B vitamins, other medicines, foods, dyes, or preservatives
- pregnant or trying to get pregnant
- breast-feeding
How should I use this medicine?
Take this medicine by mouth with a glass of water. Follow the directions on the package or prescription label. For best results take this medicine with food. Take your medicine at regular intervals. Do not take your medicine more often than directed.Talk to your pediatrician regarding the use of this medicine in children. While this medicine may be prescribed for selected conditions, precautions do apply.
What if I miss a dose?
If you miss a dose, take it as soon as you can. If it is almost time for your next dose, take only that dose. Do not take double or extra doses.What may interact with this medicine?
Interactions are not expected.What should I watch for while using this medicine?
Follow a healthy diet. Taking a vitamin supplement does not replace the need for a balanced diet. Some foods that have this vitamin naturally are yeast, beans, peas, nuts, pork, and beef. Limit alcohol, smoking and stress.Too much of this vitamin can be unsafe. Talk to your doctor or health care provider about how much is right for you.
What side effects may I notice from receiving this medicine?
Side effects that you should report to your doctor or health care professional as soon as possible:- allergic reactions like skin rash, itching or hives, swelling of the face, lips, or tongue
- chest tightness
- fast, irregular heartbeat
- irritable, restless
- nausea, vomiting
- sweating
- unusually bleeding or bruising
Side effects that usually do not require medical attention (report to your doctor or health care professional if they continue or are bothersome):
- sneezing
Where should I keep my medicine?
Keep out of the reach of children.Store at room temperature between 15 and 30 degrees C (59 and 85 degrees F). Protect from heat and light. Throw away any unused medicine after the expiration date.
Remember, keep this and all other medicines out of the reach of children, never share your medicines with others, and use this medication only for the indication prescribed.
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and other material contained on the Healthline Site ("Content"), its services, and any information or material
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5 Financial Stocks Hedge Funds Love
BALTIMORE ( Stockpickr) -- What's the smart money buying this summer? Financial stocks, for one thing. So far, just shy of a hundred hedge funds have reported their second-quarter holdings to the SEC, and these fund managers have been piling on the financial sector, adding onto a small number of names.
"13F season" is officially starting to get red hot, and the early holdings being reported by hedge funds are telling -- especially because they're subject to less lag right now.
And since we're looking at fund holdings in the aggregate, they're less impacted by the fact that some funds might not have filed yet. Consider it a sampling of the trillions of dollars managed by hedge funds: a sneak peak.
>>5 Stocks Set to Soar on Earnings
It's clear already, though, that hedgies are buying financial stocks. And not just any financial stocks. With anxiety still prevalent in the market this quarter, hedge funds focused on buying staid, large names in the financial sector, looking to snap up bargains in a group that's underperformed the S&P 500 in 2012 without turning to the risks of big banks. To peek at hedge fund holdings, we're turning to a new set of 13F filings that are hitting the SEC's mailbox right now. >>5 Stocks Poised for Breakouts Institutional investors with more than $100 million in assets are required to file a 13F - a form that breaks down their stock positions for public consumption. From hedge funds to mutual funds to insurance companies, any professional investors who manage more than that $100 million watermark are required to file a 13F. And by comparing one quarter's filing to another, we can see how any single fund manager is moving their portfolio around. Without further ado, here's a look at 5 financial stocks hedge funds love.Check Out Our Best Services for Investors
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Sponsored by: Brakes Plus
May 14, 2010 9:33 AM by Bea Karnes, News First 5
Forty years and $1 trillion later, the U.S. drug czar says the war on drugs hasn't been successful.
Gil Kerlikowske says that, if anything, the concern about drugs and drug problems has "magnified, intensified."
President Barack Obama this week announced a new policy to treat drug use as a public health issue. But his administration has also increased spending on interdiction and law enforcement.
Kerlikowske says "nothing happens overnight" and that it will take time for the spending to achieve its goals.
Former czar John Walters says judging the drug war is complicated -- marijuana and prescription drug abuse are climbing, while cocaine use is way down. Seizures are up, but so is availability.
2 months ago


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practice areas
honors + affiliations
Recipient, Consultant of the Year, Philadelphia Business Journal Innovation Awards (2013)
Listed, Legal Media Group's Life Sciences "Life Sciences Star" – Transactional (2012–2014)
Former Member, University of Pennsylvania Institutional Review Board
bar admissions
- Pennsylvania
- Michigan
- New York
- Massachusetts
Court Admissions
- U.S. Supreme Court
- Philadelphia
1701 Market St.
Philadelphia, PA 19103-2921
United States
Phone: +1.215.963.5372
Fax: +1.215.963.5001
- Boston
One Federal Street
Boston, MA 02110-1726
United States
Phone: +1.617.341.7744
Fax: +1.617.341.7701
Fahd M.T. Riaz is a partner in Morgan Lewis's Business and Finance Practice and a member of the Life Sciences Transactions Practice. Mr. Riaz has served as lead counsel for pharmaceutical, biotech, and device companies in a number of large life sciences industry transactions. In addition to providing general corporate and transactional advice, Mr. Riaz's practice focuses particularly on fulfilling the special business and legal needs of public and private life sciences companies as they seek to form joint ventures, partnerships, and other complex collaborations; acquire venture capital financing; and execute mergers, acquisitions, divestitures, and licensing agreements.
Mr. Riaz's clients range from early-stage biotechnology startups to global pharmaceutical companies, as well as medical device and other technology companies. Drawing upon his technical background as a molecular biologist, he advises and provides an assortment of services for these clients in support of a variety of mission-critical undertakings, including the negotiation and structuring of both development and commercial transactions, the facilitation of equity investments, and the navigation of other matters that often accompany such transactions. Related matters include the negotiation and drafting of technical contractual arrangements related to the conducting and outsourcing of drug discovery, development (both clinical and nonclinical; including clinical trial agreements), manufacturing and supply, and marketing. Mr. Riaz serves as outside general counsel for clients and advises boards of directors on disclosure issues, corporate communications policies, and fiduciary duty matters.
Mr. Riaz is admitted to practice in Pennsylvania, Michigan, New York, and Massachusetts and before the U.S. Supreme Court.
Selected Representations
- Eisai in its collaboration with CRO, Quintiles, to co-develop six cancer compounds
- Pierrel's purchase of Encorium's U.S. clinical trial business
- Antares Pharma in its license and asset purchase agreement with Ferring
- Profectus BioSciences in the worldwide transfer of Wyeth's therapeutic and prophylatic DNA and vectored vaccine programs for HIV, including NIH contracts providing multimillion dollar funding, as well as HCV, HPV, HSV, and malaria
- Shire Pharmaceuticals in its up to $440 million collaboration with Amicus Therapeutics for the development and commercialization of three therapies for genetic disorders
- EUSA in its acquisition of Collatamp G. Implant product and license of two other products in development
- Solstice in its development and commercialization of Neurobloc in Europe providing €41 million in upfront and milestone payments and development partner
- Velcera in its global licensing agreement with Novartis for its oral mucosal canine promist formulation
- Summers Laboratories in its divestiture of its Lice Asphyxiation Product to Sciele Pharma
- Prism in raising up to $68 million through equity and royalty/revenue monetization
- Solstice in raising $85 million in equity and debt financing
- SANKYO in its up to $320 million collaboration and development with KAI Pharmaceuticals for its delta protein kinase C inhibitor, KAI-9803
- Boston University School of Law, 2002, J.D., Cum Laude
- State University of New York at Buffalo, 1997, B.S., Cum Laude


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quote:goes in the chili grind pile
quote:worst part of sausage making is rinsing the hog gut casing and checking for holes prior to stuffing.
quote:then i realized that i much prefered pork sausage so i quit.
quote:and checking for holes prior to stuffing.
quote:Do you all that make your own use some type of cure, and if so which one.


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FINRA Ombudsman
The FINRA Office of the Ombudsman provides a forum for member firms and their associated persons, public investors, and FINRA staff members to voice their concerns of unfair practices or disparate treatment. The objective of the Ombudsman's Office, as an independent, neutral, and confidential source of assistance, is to receive and address concerns and complaints from any source concerning the operations, enforcement, or other activities of FINRA or any of its staff members. Where established procedures exist currently regarding the application of rules, policies, procedures, or interpretations, the Ombudsman will direct the matter to the appropriate office, department, or company. The function of the Ombudsman's Office is not intended to be an appeals forum for unpopular decisions made in other forums, or an arbitrary alternative to a program that already exists.
The Ombudsman will always attempt to assist you in identifying the appropriate method of resolving your problem or complaint, even if the Office does not become directly involved in the matter.
The Ombudsman's Office functions independently from all other FINRA business line functions; as such, it reports directly to the Audit Committee of FINRA's Board of Governors. The Office of the Ombudsman serves as an alternative channel of communication—complementing, but not replacing, FINRA's comprehensive program of formal resolution channels that include adjudication and dispute resolution. It has unrestricted access to all company functions, records and personnel. The Ombudsman's Office does not have direct authority over FINRA personnel or the departments it reviews.
The Office of the Ombudsman is a department staffed with several Ombudsmen who are trained and have experience in handling a variety of matters. The Ombudsman, as a designated neutral party, has the responsibility of maintaining strict confidentiality concerning matters that are brought to his/her attention unless given explicit permission to do otherwise, or unless (a) there appears to be imminent risk of serious harm; (b) in response to binding legal or judicial process; or (c) in response to a request from the SEC. In addition, notice to the Office shall be deemed notice to FINRA in those instances where FINRA is required by law to take corrective or other action upon being put on notice of specific facts or allegations. In such instances where confidential information is required to be disclosed or corporate action is required, the Office shall take reasonable steps to maintain confidentiality as to the identity of the provider of the information where possible. The Ombudsman will take all reasonable steps to protect any records or files pertaining to confidential discussion from inspection by all other persons, including management.
For more information, contact the FINRA Ombudsman's Office at:
FINRA Ombudsman
9509 Key West Avenue
Rockville, MD 20850
Phone: (240) 386-6270
Facsimile: (240) 386-6271
Toll-Free Number: (888) 700-0028
Email: FINRA Office of the Ombudsman


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Strangely I just went through a 15 minute "suggestive session" with my credit card company who advised not to sign my Visa after my card was imaged and recreated as per their investigation.
I am reading all over the Internet that you should sign the card, but apparently that is not the case. From a common sense standpoint, the number can be replaced, but a signature cannot.


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Published on
United States Bankruptcy Court
Judge Jaroslovsky
Memorandum of Decision Re: Alleged Nondischargeability
> Content
Memorandum of Decision Re: Alleged Nondischargeability
Printer-friendly version
FOR THE NORTHERN DISTRICT OF CALIFORNIA In re ROBERT R. HENKELL, No. 1-82-01223 Debtor. __________________________/ SHIRLEY BURDON, Plaintiff, v. A.P. No. 1-84-0196 ROBERT L. HENKELL, Defendant. ____________________________/
Memorandum of Decision
Plaintiff Shirley Burden is a sixty-three-year-old widow. Her husband, a physician, died in 1979. In addition to some outstanding receivables from his medical practice, he left plaintiff $85,000.00 in a trust administered by a church. Plaintiff met debtor and defendant Robert Henkell, who was then a real estate salesman, at an Amway presentation in his home in 1979. Plaintiff complained to Henkell about her money being tied up in the trust, and Henkell assisted plaintiff by drafting a letter to the church demanding that the trust be terminated and all trust funds be turned over to her. As a result of the letter, the church sent plaintiff all of the trust funds. Plaintiff was fairly unknowledgeable in financial matters, not even having balanced a checkbook since her marriage in 1946. Henkell agreed to advise her in financial matters and make sure that she made "safe and secure" investments. Although Henkell claims that he agreed to do this as a "friend," he did subsequently hold himself out to the public as a financial counselor and plaintiff gave him one payment of $2,000.00 for his services. At Henkell's direction, plaintiff made three real estate investments in February and March, 1980. These investments panned out well for plaintiff and were cashed out within a few months. Plaintiff and Henkell, at some time during the spring of 1980, discussed plaintiff's desire for an investment with a high rate of return and liquidity upon demand. Henkell got the idea to create a "loan fund" whereby plaintiff and a third party would invest their funds with him. Henkell promised them 18% interest and withdrawals on demand, in return for use of their money as he saw fit. Plaintiff was not sophisticated in financial matters and did not fully realize that in essence she was making an unsecured loan to Henkell. Henkell did not fully explain this to her. From April, 1980, to September, 1982, when Henkell filed his bankruptcy petition, plaintiff invested $94,190.00 in the "loan fund." During this time she withdrew $73,000.00. She claims that the balance of $21,190.00 is nondischargeable due to fraud and defalcation in a fiduciary capacity pursuant to sections 523(a)(2) and 523(a)(4) of the Bankruptcy Code. The record does not support a finding of an affirmative misrepresentation. Although plaintiff testified that Henkell told her that her investments would always be secured, he denied this and claims that he told plaintiff that the money was a loan to him. Henkell's version is given some credibility due to the facts that plaintiff knowingly signed over her funds directly to him and that he gave her monthly statements of her account. In addition, even someone totally naive in financial matters (which plaintiff was not) could not seriously believe that an investment in real estate could be completely secure, entirely liquid, and produce a high rate of return. Also, plaintiff was an employee of Henkell during this time and could have easily determined all of the facts had she desired to know them. In any event, the Court must resolve the issue in favor of Henkell, lacking clear and convincing evidence to support plaintiff's version of the facts. The failure to disclose relevant information with fraudulent intent may render a debt nondischargeable, especially where a special relationship between the parties exists.
In re Haddad
(9th Cir.B.A.P.1982) 21 B.R. 421, 423, aff'd 703 F.2d 575. When Henkell undertook to assist a widow in the withdrawal and reinvestment of her life's savings, he certainly created a relationship sufficient to render him liable for his failure to disclose the risks involved in an unsecured loan to him. While the Court is very close to finding nondischargeable conduct on this basis, in the final analysis it cannot do so. In order to render a debt nondischargeable, the court must find actual intent to defraud; constructive or implied fraud will not do. 3
Collier on Bankruptcy
, sec. 523.08[4]. While the Court had no trouble finding actual fraud as to persons who were induced to give Henkell money later in his career as an investment counselor, plaintiff was one of the first persons he counseled. For a brief time in the early 1980's it was possible to pay 18% interest and make a profit on one's investments. This fact, together with plaintiff's withdrawal of $73,000.00 of her funds from Henkell over the few years of their relationship and Henkell's careful keeping of plaintiff's account show that Henkell reasonably intended to pay her as promised when he obtained her funds. Henkell had, of course, created a Ponzi scheme which required a continuous influx of new investment funds to honor prior commitments; the Court has already found nondischargeable debts to subsequent investors based on Henkell's express written misrepresentations and nondisclosures which the Court found had been made with the intent to part the investors from their money. However, the Court cannot find such intent here. There is no evidence that Henkell intended to create a Ponzi scheme or that he understood what was bound to happen as inflation slowed and interest rates dropped. In any event, a Ponzi scheme is generally fraudulent as to late comers, not initial investors, and stupidity is not a ground for finding a debt nondischargeable. The Court easily finds that by helping plaintiff get her funds out of the church trust and undertaking to direct her investments, a fiduciary relationship was created between the plaintiff and Henkell. Such a relationship is created where one party comes under the influence of another and is justified in assuming that the other is acting in the first party's best interests. 80 C.J.S., Trusts, sec. 151;
Ogier v. Pacific Oil & Gas Dev. Corp.
(1955) 132 Cal.App.2d 496. However, a breach of the fiduciary duty in such cases gives rise to a
trust. 60
, Trusts, sec. 293. Section 523(a)(4) of the Bankruptcy Code applies only to express trusts, not constructive trusts.
In re Pedrazzini
(9th Cir.1981) 644 F.2d 756, 758-59. Therefore, this breach of fiduciary duty cannot be the basis for a finding of nondischargeabilty. Any claim based upon Henkell's status as a real estate licensee fails for the same reason.
In re Bernardelli
(Bkrtcy.D.Nev.1981) 13 B.R. 656. Although it is a close question, the Court must resolve any doubt in favor of Henkell. Accordingly, plaintiff can take nothing by her complaint and Henkell's debt to her must be determined to have been discharged. Each party shall bear his or her own costs. Counsel for Henkell shall submit an appropriate form of judgment within ten days. This memorandum constitutes the Court's findings and conclusions pursuant to FRCP 52(a) and Bankruptcy Rule 7052.
Dated: January 11, 1987 _______________________ ALAN JAROSLOVSKY U.S. BANKRUPTCY
Source URL (retrieved on
03/04/2015 - 04:42
[1] http://www.canb.uscourts.gov/print/1473


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Now that the decorations are down and stored away (not an easy job!!!) we are looking forward to warmer weather... http://t.co/fMUslK4hAb
Merry Christmas to our wonderful guests and friends from The Cotton Palace Bed and Breakfast. I love thinking of... http://t.co/Lwv1dNkYEL
On this Thanksgiving Day we are so grateful to all our wonderful Cotton Palace guests who have become part of our... http://t.co/FRHfJdj2XK


text: 10/29/2002 5:01:27 PM, "Rui Ferreira" <ruifmferreira at hotmail.com> wrote: >From: "Lawrence O'Sullivan" <lawrence.osullivan at 141.com> >To: <lfs-support at linuxfromscratch.org> >Sent: Tuesday, October 29, 2002 9:51 PM >Subject: unable to open an initial console > > >> Hi! >> >> I could use some help with my LFS system. Everything was finished and >seemed to compile corrctly, but the new LFS >> system doesn't run. Iget the following error: >> > >There's something else, but I also doubt it is the problem, >from the book: >l0:0:wait:/etc/rc.d/init.d/rc 0 >l1:S1:wait:/etc/rc.d/init.d/rc 1 >l2:2:wait:/etc/rc.d/init.d/rc 2 >l3:3:wait:/etc/rc.d/init.d/rc 3 >l4:4:wait:/etc/rc.d/init.d/rc 4 >l5:5:wait:/etc/rc.d/init.d/rc 5 >l6:6:wait:/etc/rc.d/init.d/rc 6 >A >|=> These are L's letter L > >You have: >10:0:wait:/etc/rc.d/init.d/rc 0 >11:S1:wait:/etc/rc.d/init.d/rc 1 >12:2:wait:/etc/rc.d/init.d/rc 2 >13:3:wait:/etc/rc.d/init.d/rc 3 >14:4:wait:/etc/rc.d/init.d/rc 4 >15:5:wait:/etc/rc.d/init.d/rc 5 >16:6:wait:/etc/rc.d/init.d/rc 6 >A >|=> 1's One >-- Thanks for that catch. I changed those. As you suspected, it didn't affect this problem. -- Unsubscribe: send email to listar at linuxfromscratch.org and put 'unsubscribe lfs-support' in the subject header of the message


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Research Scholars Program
The Family Owned Business Institute (FOBI) at Grand Valley State University exists to promote, preserve, influence, and impact family businesses through quality academic research, curriculum, and information services. As part of its research mission, FOBI created the Research Scholars Program. |
Purpose: The purpose of the Research Scholars Program is to encourage faculty to conduct new, high quality research with an emphasis on family business dimensions. Research is the key to uncovering the truth underlying these discussions. The Research Scholars Program further facilitates this rigorous inquiry. Program: FOBI Research Scholars are required to disseminate the results of their research. viable methods include meetings, seminars, publications, and the classroom. Research may involve a broad range of issues and methodologies including theoretical, empirical, and case studies. In addition, scholars are expected to convert the research into a publishable, referred journal article with appropriate reference to FOBI for its support. Process: Applications are reviewed by the FOBI Review Board and leading scholars within the family business field. Together, the Dean of the Seidman College of Business and the Director of the Family Owned Business Institute will appoint the Research Scholars. Scholars receive a one year appointment beginning May 15th. Four to six grants are awarded each year. This year the number will be less and a new category has been created. The winning proposals each receive a stipend of $5000. To view past FOBI Scholars, please follow this link. Applications for the 2014 Research Scholars Program will open December 1, 2014. The application deadline for the 2015 Research Scholars Program is March 28, 2015. If you have additional questions, please refer to the FAQ section. |
Page last modified March 3, 2015


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1st tests of the Vertex 2 / SandForce SSD
has been able to get its hands on a pre-version of the Vertex 2 Pro SSD, an early vintage of the collaboration between OCZ and SandForce announced last November. This SSD wont be commercially available before March. The first surprise is that SandForce doesnt use any external DRAM but just the cache built onto the controller. The SSD has a large 90mF capacitor designed to make sure no buffered data is lost should there be a power out.
Performances in practice are very high with the Pro version, using the highest end controller, reaching sequential reads of 265 MB/s and sequential writes of 252 MB/s. For random reads of 4 KB blocks were at 51.3 MB/s (as against 38 MB/s with Indilinx and 64 MB/s with Postville) and writes at 50.9 MB/s (compared to 13.6 MB/s with Indilinx and 39.1 MB/s with Intel). In PC Mark Vantage this Vertex 2 Pro is 11, 18 and 46% faster than the Postville 80 GB and 160 GB and the Indilinx 128 GB.
To achieve such results, SandForce has developed DuraWrite technology which will lower write amplification under 1x! Remember, the write amplification is the ratio between the volume of data written on the flash memory (flash write) and the volume of data to write requested by the system (host write). Intel has highlighted the fact that it kept write amplification on its SSDs down to 1.1x. SandForce has announced 0.5x and says, for example, that installation of Vista and Office requires a total of 25 GB (host writes), but that in practice only 11 GB are written in Flash (a write amplification of 0.44x).
How is this possible? Obviously this isnt bit-for-bit data storage and SandForce must have implemented compression and deduplication algorithms within the controller. Of course this technology will work less well with compressed data and write speeds for compressed data will drop to 145.9 MB/s according to AnandTechs tests, which is in any case not bad.
Reducing flash writes is of course beneficial both in terms of write speeds and reliability as the number of write cycles is critical in terms of how long flash memory lasts. So as to limit wear on the flash, SandForce also includes additional extra internal information similar to RAID5 (without going into more detail) and makes it a point of honour to have a lot of additional flash: the first SSDs will be the 50, 100, 200 and 400 GB versions but they will actually have 64, 128, 256 and 512 GB of flash memory. These are the enterprise versions, with the standard versions having less additional space.
All in all a very promising controller then, although we would have liked to see SATA 6 Gbits/s support.
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New Zealand
Concierge.com's insider take:
The Southern Alps, which run down the middle of the South Island like a spine, are too remote, dangerous, and just plain high (there are 27 peaks over 9,000 feet) for most visitors to even contemplate visiting on foot. And since there are no roads in the high country, the only way to get the A-plus views over ice fields, sheer cliffs, and waterfalls is to fly over them. Depending on your sense of adventure and how much you want to shell out, you can choose to "flight-see" via small fixed-wing plane or helicopter. Wanaka Flightseeing operates five- passenger Cessnas out of Wanaka, 44 miles northeast of Queenstown; passengers can choose one- to two-hour flights over the fjords of Fiordland, the 9,932-foot Mount Aspiring, or the majestic Mount Cook (New Zealand's highest peak at 12,316 feet). Prices start at $135 per person (64-3-443-8787; www.flightseeing.co.nz). A trip with Over the Top Helicopters, based in Queenstown, covers much of the same territory—but helicopters can zoom and swoop even closer to the landscapes, and you can even arrange to land on a glacier for photo ops and a picnic lunch. Two-hour trips start at $500 per person (64-3-442 2233; www.flynz.co.nz).
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osso_abook_contact_chooser_select_contacts() usage with Qt
I'm developing a Qt program for the N900. It needs to select more than one contact at a time. I want to present a list of contacts with some contacts pre-selected. I can't figure out how to show this in an OssoABookContactChooser. Can you help, please? Perhaps there is a better way than the one that I have chosen.
I started with the useful example at How to user native Maemo5 contacts dialogs [wiki.forum.nokia.com]. I changed it to permit multiple selections. I use osso_abook_contact_chooser_select_contacts() to tell it which ones I want selected when I show the dialog. When I show the dialog, there are no contacts already selected.
Here is a fragment of the code that I am using:
- // list of QString representations of contact UIDs
- // This is already populated for me and I can prove that the
- // strings in it represent valid contact UIDs.
- GList *g = 0;
- GtkWidget* contactChooser = osso_abook_contact_chooser_new_with_capabilities (NULL, qPrintable(windowTitle), caps, order);
- osso_abook_contact_chooser_set_minimum_selection(OSSO_ABOOK_CONTACT_CHOOSER(contactChooser), lower_limit);
- osso_abook_contact_chooser_set_maximum_selection(OSSO_ABOOK_CONTACT_CHOOSER(contactChooser), upper_limit);
- if (0 != selectedContacts) {
- QString contact;
- foreach (contact, *selectedContacts) {
- qDebug() << "Looking up " << contact;
- OssoABookContact *c = QOssoABookDialog::lookup(contact);
- if (0 != c) {
- qDebug() << "Found "
- << osso_abook_contact_get_uid(c)
- << " "
- << osso_abook_contact_get_display_name(c);
- g= g_list_prepend(g, c);
- } else qDebug() << "Did not find " << contact;
- }
- osso_abook_contact_chooser_select_contacts(OSSO_ABOOK_CONTACT_CHOOSER(contactChooser), g);
- }
- //Shows a modal dialog.
- GList* contacts; // Do not free
- if (gtk_dialog_run(GTK_DIALOG(contactChooser)) == GTK_RESPONSE_OK){
- ...
- }
4 replies
I think you will have more luck with this question on the Maemo forum: While it is possible to mix Gtk and Qt widgets it is nothing most people here have much experience with.
If you can not get the information you need from QtMobility (which has a contacts API IIRC), then you are better of with pure Gtk code in my opinion: Your application will be Maemo specific anyway, so why bother with the added complexity of mixing Gtk and Qt?
As far as I can tell, QtMobility doesn't provide a way to select contacts in a finger-friendly way. It only provides a way to manipulate contacts.
I am writing my application using Qt 4.7 because that's what comes with QtCreator. This is my first foray into Qt programming and programming for the N900 phone.
If I want finger-friendly selection, I must either use the older Maemo functions or make my own out of raw Qt. I guess I could do the latter but I'd rather use the former for the time being because it should mean that I have to write much less code. Eventually, I will throw away the Maemo-specific things.
I thank the two of you, Tobias Hunger and Benjamin Poulain, for your advice. I am seeking an answer on the Maemo forum.
There is an end to this story. I wrote my own finger-friendly Qt implementation of Maemo5's native contact chooser. As far as I can tell, no Maemo5 developer ever used the native one in the way I want to use it. I'll go so far as to say that the native one is broken.
Writing my own was harder than I expected but not impossible. I had some help from some Trolls at Qt Developer Days in San Francisco. I'm grateful for their eager, friendly help. Thanks to Martin, Benedikte, and Pierre.
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Article Distribution
In: Business
26 Jun 2013You have suddenly realized that you need a small team of garage door repair contractors to join your start-up garage door repair company. You need people who are available for continuous daily work. Where do you start to look for contractors who can commit to a long-term ongoing project and follow through? Here are some ways to identify the most reliable contractors.
A way to determine if a garage door repair contractor is professional can be apparent as soon as they answer the phone. You want a contractor who will show you respect in every situation. If they are unable to do that in a phone call, they might be unable to do it in a more stressful situation.
Most projects require a garage door repair contractor to have a license. This is because the contractor has the broad task of overseeing many aspects and people. He/she may not have time to talk with you long while on the work site.
You will not need to worry about taxes when dealing with your garage door repair contractor, nor will you need to provide them with the benefits that are typically found in other professions. They are work-for-hire and do not require you to pay their medical and insurance needs.
Your garage door repair contractor must be insurance covered and bonded and covered. This means that you will not have expenses should any unwanted incident happens during the project. A contractor who satisfies these requirements will be much more likely to offer you with sufficient results
Spell out all requirements and expectations in the contract that you sign with your garage door repair contractor. Just because a contractor usually takes responsibility for certain tasks, does not mean your contractor will and without these stipulations in the contract, you will not be able to hold them to these responsibilities.
Make sure to receive several bids before accepting one in order to ensure that you are getting the best deal possible. Choosing the first bid that arrives will not give you any room to negotiate and you will pay more than you need to on the project.
Always ask around for recommendations on a garage door repair contractor. More than likely somebody you've come in contact with knows about a reputable contractor. This can help you slim down your candidate list, but always do your research before you hire anybody.
Search for information about it in the internet. Look up the garage door repair contractor's name and the garage door repair company name to see what others are saying is true. Alerts from facebook can also tell you a great fact about who will be working in your home.
If you are searching for additional tips created by professionals, please go to your best browser and search for garage doors lynchburg. You'll find some useful ideas related to garage doors.


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Natural Shampoo Alternatives from the Kitchen. Maybe I should use natural shampoo?
{cc photo courtesy of on Artbandito Flickr} The human body accomplishes some pretty amazing feats. Among them, the ability to cleans itself of impurities. While we have come to rely on shampoo for cleaning away dirt and oil, the body only needs a little help accomplishing this task on own. Here are some shampoo alternatives (or no poo method, as some call it) readily found in the kitchen or at least inexpensively purchased. Uses of Baking Soda for Skin, Hair and Teeth Care.
Baking soda can also do wonders for your face. Exfoliating: Make a paste of 3 parts baking soda to 1 part water, and use as a gentle, exfoliating facial scrub after washing with soap and water. Rinse your face clean.
Fashion. Out of the ordinary Beauty Tips that work. Use toothpaste on yellow nails.
This usually happens when you let nail polish stay on your nails for very long and when you've used cheap nail polish. Whiten them all up by rubbing toothpaste to remove the stains. You can also add a few drops of lemon for extra whitening, it's a natural bleaching agent. See other uses of lemon with this POST. How to Make Your Own Beauty Products from Scratch - Health - GOOD - StumbleUpon. Let's keep things simple this week.
When it comes to personal-care products, we are big believers in streamlining what you use—see "Eight Products You Think You Need But Don't" for a refresher—buying less in general, and getting creative. We have both always loved experimenting in our kitchens and our bathrooms, checking ingredients in products we love, isolating the main ones, and then trying them on their own. Sometimes it works: A favorite hair leave-in contained aloe, for example, so one day we tried aloe alone and found that, lo and behold, it worked just fine on its own. And sometimes it didn't.
Soap Making Recipes and Tutorials. Your Dress.... Makeup. Hair. Fantastic Easy Hairstyle for the DIY Bride/Bridesmaid {Sunday Beauty School} I know I talked hair last week BUT I just have to share this with you!
Being a straight and rather flat haired girl myself, I have tried every which way to bring a little bit of curl into my life with limited success. I've bought heated round brushes, velcro rollers, curling tongs in various shapes and sizes, those foam bendy things, rags (Victorian chic don't you know) and heated rollers. But none have given me the curls I crave and most of them have damaged my hair. Solid Shea Butter Sugar Scrub Cube Recipe. Solid Sugar Scrub Cubes have become the new trend and are now taking the place of traditional sugar scrubs.
One of the main reasons is that these scrubs are in a solid form so there's no separation and less mess. It also means it's less likely that you will transfer water into your sugar scrub during usage since you are simply removing one or two cubes at a time for use and then resealing the container before use. While there are a handful of recipes for solid sugar scrubs floating around, I came up with my own recipe that I'd like to share with you. It's not greasy when applied and easy to make.


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Lexus Announces 2013 GS 350 F Sport Package
As Lexus vies to place its 2013 Lexus GS 350 on the same plane as the BMW 5 Series and Audi A6 with midsize sports luxury car buyers, it comes as no surprise that the luxury brand has prepared a showy sport accessory package.
The F-Sport Package here works similarly as the one found on the 2012 Lexus CT 200h. There's no added horsepower; instead, what you get is new exterior ground effects and other aesthetic changes, as well as a sport-tuned suspension. The old 2011 Lexus GS had F-Sport accessories, too — like 19-inch forged alloy wheels and Bilstein shock absorbers — but it didn't have an all-encompassing sport package, like this one.
The model will be available in two unique exterior colors — Riviera Red and Liquid Platinum — and three other colors will also be available on the regular GS 350.
In the cabin, the F-Sport Package will get aluminum trim, unique perforated leather upholstery, a black headliner and aluminum pedals. Unique red-colored upholstered leather will be an exclusive option on the F-Sport Package, Lexus says. A 16-way powered front seat comes standard, too.
Pricing hasn't been announced for the F-Sport Package, nor has it been announced for any 2013 Lexus GS, either. The 2013 GS 350 goes on sale early next year.
2013 Lexus GS 350: First Look
Lexus Reveals 2013 Lexus GS 450h at 2011 Frankfurt Motor Show


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If the crushing of hope were a renewable resource, then this Congress would be on the cutting edge of the clean energy revolution. As it is, though, we have a red alert. Congressional leadership is dropping the ball on renewable energy, and we need your help to get back on track.
On Thursday morning, Senator Reid and Speaker Pelosi decided to drop the renewable energy standard out of the energy bill and drop the tax title. No tax title means no extension of the investment tax credit for solar, and no extenstion of the production tax credit for wind.
Got that? Congressional leadership is moving an energy bill with nothing in it for renewable energy. Dropping the biggest pro-solar provision this country has ever seen, just when the industry is gaining momentum and making an impact.
We've got maybe 24 hours to turn this around. We suggest calling until the Capitol switchboard melts. Can you ask your representative to pass the renwable energy message to Senator Reid and Speaker Pelosi? A suggested script might go like this:
"Hi. My name is__. I, and 90% of America, would like more renewable energy. It's not a tough call, since it's pretty clear that the future of the world depends on it. So, please tell Senator Reid and Speaker Pelosi to include a 8-year extension for the solar investment tax credits in the energy bill. Thank you."
You can find your representative's contact information here. Call the Washington office.
Additional talking points include:
Imported from external blog


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Destiny Leadership Institute (DLI) is committed to providing access to top quality ministry and leadership training at very affordable tuition rates. Our tuition averages less than $200 per course, which is a fraction of the cost at similar institutions. This is made possible as a result of our management strategy and the generosity of our covenant partners who subsidize the cost of operation to help keep tuition rates low.
Tuition costs:
2 Year Ministry Diploma: $1,000 per year.
Advanced Certificate Programs: $750 per certificate.
We recognize that our students have careers, family, and ministry obligations. Therefore, our program is designed to fit well into even the most demanding lifestyle and schedule. It is built to be flexible, while at the same time, structured enough to keep students on track. In this way students can balance their study schedules with other responsibilities as they integrate systematic learning into their daily lives.
The DLI courses are not merely self-guided, correspondence classes. Students regularly collaborate and communicate with students and instructors from here in the US and around the world, while they serve and apply what they are learning through DLI in their local church or ministry settings. Each course is divided into bi-weekly units, so that every two weeks a new section of course materials opens for students to read, study, contemplate, and complete their various assigned tasks. All units incorporate a variety of interactive elements, such as class chats, threaded discussions, and video lectures.
At Destiny Leadership Institute our philosophy is to merge quality academics with real world ministry experience. We believe that the impact of this type of education in the life of the student can be extraordinary. Our curriculum is designed to provide students an overview of Bible, theology, and leadership coupled with a clear understanding of servant leadership and the challenges and opportunities associated with real world ministry situations. Well-respected and knowledgeable instructors, who are experts in their fields, guide students through the course materials. Students are also given the opportunity, through mission trips and educational travel, to study abroad in places like Africa, Asia, Central and South America and the Middle East.
DLI is designed so that our students gain practical training in the field of ministry service and leadership in conjunction with their academic studies. As students study through DLI, they also serve the local church or ministry where they live, under the supervision of local leadership. Their service is then evaluated through self-evaluation forms, papers synthesizing ministry experience with course material, internship-themed discussion boards, and feedback from students' pastors and leaders who provide oversight.
DLI Students can earn up to 36 transfer college credit hours towards a Bachelors of Christian Leadership Degree from Ecclesia College, our strategic educational partner. And upon completion of Core 1 and Core 2, they also become eligible to apply for licensure and ordination through the Destiny Church and Minister's Network. DLI students can work towards fully accredited degree programs from the comfort and convenience of their own homes and computers, through our innovative online learning environment that is designed for collaboration and interaction.
"My DLI experience was great! I have a family, a job and feel called to the ministry. Going away to Bible College just was not an option. Through DLI I earned a Ministry Diploma while I served at my local church. I loved the way DLI uses the latest technology to make learning flexible and convenient."
"DLI has helped strengthen my confidence in leading as Campus/Senior pastor of Covenant Church Moses Lake. My meditation and study of the word of God has improved immensely. It was so interesting to see God continue to grow my ministry as He does so well, and provide for me a way to receive this education while already being a pastor. Thanks to DLI, I now have a new level of confidence when speaking with friends and other pastors, as well as speaking from the pulpit in Moses Lake, and wherever else He would use me."