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Making Class Requests For Next Year.
Started by anasam , Nov 27 2012 08:38 AM
7 replies to this topic
Posted 27 November 2012 - 08:38 AM
DS is aged 7, he is in year 2 this year (NSW) at a Catholic School. For the past week he has been off school with headaches and when the GP asked if he was being bullied at school he said one particular boy was punching him in class and the teacher never sees it.
He is in a class of 31 kids so I am not surprised that the teacher has missed this going on. He is the youngest in his class but is quite shy and wouldn't report something like that.
So I was thinking of asking that he not be placed in the same class as this boy next year but i don't know if this is the done thing.
Has anyone done this before? What was the result?
Also does anyone know of books or websites that I can read to help my son develop his confidence? I am really regretting sending him to school early now (April birthday) as although he is the smartest of my kids and has no trouble keeping up, he lacks self confidence. He doesn't seem to like large groups and will refuse to attend birthday parties because there are too many kids, yet plays well one on one.
Posted 27 November 2012 - 10:49 AM
I would ask and address your concerns with the school. You definitely don't want the bullying to affect his school work.
A lot of people enrol their kids in self defence/martial arts training to help boost self confidence.
Occupational Therapists work with children about developing resilience. Some of these are group therapies, which would help your son in group situations. Some have programs that run over school holidays too.
Edited by ~*MESS*~, 27 November 2012 - 10:49 AM.
Posted 27 November 2012 - 10:51 AM
You can ask. The worst they can say is no.
Our school doesn't like you requesting certain teachers by I know a fellow parent requested her DD not be placed in a class with another girl.
I would speak to the teacher anyway about the bullying so that the they are aware of it and it can be kept an eye on.
He doesn't seem to like large groups and will refuse to attend birthday parties because there are too many kids, yet plays well one on one.
This could simply be his personality and age may not improve it. I have a DH who much prefers smaller or one on one situations. He too doesn't do well in large groups and says he never has.
Posted 27 November 2012 - 11:03 AM
I think you could request this but first I would deal with the bullying allegations etc with the teacher and then request as a part of the solution, he is not in the same class next year.
Posted 27 November 2012 - 11:04 AM
i asked for ds not to be in the same class as a girl next year. The principal had no issues with it and says that he often gets these sort of requests when children are having issues with certain other children.
Posted 27 November 2012 - 11:08 AM
Definitely in this situation I would speak to the principal & request they be in different classes next year & state the reason.
Posted 27 November 2012 - 11:20 AM
You can ask, I have in the past but it got me nowhere. Our school sends out sheets for parents to write any friends they want their children to be with the next year and any concerns they have but honestly they aren't worth the paper they are printed on because what parents write on them never seem to be taken into account. I just put whatever on them now. Our school really doesn't seem to like specific requests.
One year I had a very legitimate concern and it wasn't taken seriously at all.
I hope you have better luck.
Posted 27 November 2012 - 11:27 AM
You need to address the bullying with the teacher in the first place. Just asking for them to be split up may not help the problem, and the bullying may then occur in the playground with less supervision and may escalate. Talk to the teacher.
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Sounds like an oxymoron, doesn't it? After all, who wants romance and tension at the same time? You do. I do. And readers do, too.
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AHF's Hidden Agenda
New Smash VP Wyatt Case
Ink Inks OC, The Rub
National Porn Star Day
Pistol, Ross Talk Condoms
XXX Casting Call
Direct Reps Harper
AJ Applegate Available
Emma Marx: Boundaries ~ Reviewer Rated
Strippers Ready for Baseball
RAW Signs Sasha Bradshaw
Modern Comstockery
Nikki Phoenix Appearance
Deep Vision ThunderRama
Hackin Jack vs Chainsaw Chick
AINews: Skow Among Best
More Phoenix Mainstream
Red Cardinal Wraps Betrothed
Summer Lovers
Yoga for Lovers
Layla Price Stars
Maddy O'Reilly is Slutwoman
Powersville Re-Energized
XRCO Awards Nominations
Summer Brielle Elegant Angel
Damsels in Distress Released
Damsels in Distress Live
Madison Christmas Spectaculars
TSA Explosives Test on Ryder
Bailey Blue is The Animal
LFC/WalMart Deal
Free Vegas Weddings
Wedding Night Porn
Sunny Lane in Feature Movie
Capri Cavanni Releases
Ryder Completes Grease XXX
Love Boat XXX Song
Capri Cavanni in Love Boat XXX
Love Boat XXX Trailer
Love Boat XXX Parody
CineKink in Chicago
Screening - Risky Business
Hollywood Undead Video
A&E Announces Grease XXX Cast
New Alexis Golden DVD
Ryder Directs Grease XXX
Adult Film Industry Documentary Screening
Britney Amber NightMoves Nom
Dana Vespoli NightMoves Noms
Oz XXX Trailer Released
Lea Lexis in New Voracious
Berlusconi Sex Tape Sale
Grindhouse Premieres That's Sexploitation!
Wow! That Cock is Huge!
Gamelink, Elegant Exclusive
Sex in Venice
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Public Sex, Private Lives Premieres
Film News Section Index


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Counsellor (E&C) hands over cheques worth Nu. 622.6 million to GNHC Secretary, for GoI funded PTA projects
« »
Prize distribution ceremony of the painting competition organized by Nehru-Wangchuck Cultural Centre, Embassy of India, Thimphu
Prime Minister Tshering Tobgay was chief guest at the celebration of the 1st International Day of Yoga at Thimphu
Ambassador addresses a Press Conference on 1st International Day of Yoga, at Thimphu
Signing ceremony of BBIN Motor Vehicles Agreement at Thimphu
Prime Minister of Bhutan flanked by Bangladesh, Bhutan, India, Nepal (BBIN) Transport Ministers and Secretaries
BBIN Ministers flagging off the Route Survey of the BBIN Friendship Motor Rally
Road Transport, Highways and Shipping Minister Shri Nitin Gadkari arrives in Thimphu, for the BBIN Transport Minister's Meeting
First International Day of Yoga to be celebrated in Thimphu on 21st June, 2015.
Ambassador inspected the reconstruction of the Wangduephodrang Dzong, a PTA project financed by GoI
Officiating Secretary, Ministry of Economic Affairs & Counsellor (Eco & Com) at the ground breaking ceremony for the Construction of Business Incubation Centre at Changzamtog, Thimphu
Ambassador inaugurates the Photo Exhibition "Buddhist Heritage of India" at the National Assembly of Bhutan
Ambassador addressing the gathering at the Photo Exhibition
Ambassador hands over the Excise Duty Refund cheque for the year 2013
Ambassador with Finance Minister Lyonpo Namgay Dorji
Commerce Secretary Shri Rajeev Kher calls on Prime Minister of Bhutan
Signing of the minutes of the India-Bhutan meeting on bilateral trade and transit in Thimphu
India-Bhutan Bilateral Meeting on Trade and Transit, Thimphu
Ambassador inaugurates 1st India- Bhutan Friendship Tennis Championship 2015
Ambassador inaugurates 1st India- Bhutan Friendship Tennis Championship 2015
Signing of the minutes of the meeting held between the Bhutanese delegation led by Mr. Yonten Namgyel, Director, Department of Revenue and Customs, RGoB and the Indian delegation led by Mr. P. K. Mohanty, DG, DGICCE, Department of Revenue, GoI in Thimphu
Bengal Chamber of Commerce and Industry delegation calls on Prime Minister Tshering Tobgay
Dasho Dzongda & Counsellor (Eco & Com) attend the ground breaking ceremony for the construction of the bridge and approach road to the Bondeyma Industrial Park, Lingmethang, Mongar on 10 May 2015
Familiarization visit of Bhutanese Journalists to India
Prime Minister Tshering Tobgay and Ambassador at the launch of 24 Central Schools. These schools are being funded by the Government of India under School Reform Programme
Minister of Labour and Human Resources, RGoB and Ambassador meet the awardees of Nehru-Wangchuck Scholarship for the year 2015-16
Leadership of Bhutan along with Diplomatic Community light butter lamps for the earthquake victims of Nepal
Ambassador briefs the Media delegation before their departure to India
ICCR sponsored Rock Band Sifar performs at Clock Tower in Thimphu. The performance coincides with DANTAK Open Mountain Bike Race
Ambassador delivers a lecture on "India and Bhutan in the Coming Decades of the 21st Century" at Royal Thimphu College
Delegation led by DG, C-DAC calls on the Prime Minister of Bhutan to discuss the implementation of e-Library project
Delegation led by DG, C-DAC meets Secretary, Ministry of Education, RGoB to discuss the implementation of e-Library project
SAARC Cultural Festival on Folk Dance in Thimphu
Ambassador inspects Tango Buddhist College, a PTA Project financed by Government of India
Counsellor (Eco & Com) at the groundbreaking ceremony for the construction of the Dechencholing bridge funded by GoI in Thimphu. The event was presided over by Hon'ble Prime Minister Tshering Tobgay.
Prime Minister of Bhutan and Ambassador attend Foundation Concreting of Punatsangchhu-II Dam
GoI releases Nu. 6.2 million for Nehru-Wangchuck Scholarship
Ambassador inspects Punatsangchhu I & II Hydroelectric Projects on 30.03.15
Ambassador's interaction with Bhutanese Media at India House
Ambassador attends inauguration of International Medical & Lab Expo 2015 in Thimphu
More than 260 participants took part in the painting competition in two categories organized by Nehru-Wangchuck Cultural Centre on 22 March 2015
GoI releases next tranche for Gyelposhing-Nganglam and Gomphu-Panbang Road Projects
Ambassador addresses Friday Forum at Royal Institute of Governance & Strategic Studies
Nehru-Wangchuck Cultural Centre organizes a Photo Exhibition titled "His Majesty the Fourth Druk Gyalpo of Bhutan and India's Leadership" in Royal Institute of Governance & Strategic Studies, Phuentsholing
14th meeting of the Board of Directors of India-Bhutan Foundation at Thimphu
Embassy organizes a presentation on "Indian Budget (2015-16):Opportunities for Bhutan"
Release of Nu. 6.97 million for Nehru-Wangchuck Scholarship Scheme
Ambassador launches a book "Bhutan- On the Wings of The Peaceful Dragon" by DG Mallikarjuna at the Nehru-Wangchuck Cultural Centre, Thimphu
Nehru-Wangchuck Cultural Centre organizes a Photo Exhibition on "His Majesty the Fourth Druk Gyalpo of Bhutan and India's Leadership" in Druk School, Thimphu
His Majesty the Fourth Druk Gyalpo Jigme Singye Wangchuck grants audience to the Foreign Secretary
His Majesty the King of Bhutan grants audience to the Foreign Secretary
Foreign Secretary with their Majesties the King and the Queen of Bhutan
Foreign Secretary calls on Prime Minister of Bhutan
Foreign Secretary meets Officiating Foreign Secretary of Bhutan
Foreign Secretary arrives in Thimphu
Government of India releases 1st tranche for the 2nd batch of Small Development Projects
Ambassador meets group of Indian Forest Service Probationers
Ground breaking ceremony of the staff quarters of the Fire Service Division, Royal Bhutan Police at Changzamtok, Thimphu on 04.02.15
HRH Princess Kezang Choden Wangchuck and HRH Princess Dechen Yangzom Wangchuck inaugurate Photo Exhibition on "His Majesty the Fourth Druk Gyalpo and India's leadership" at Nehru Wangchuck Cultural Centre
Light Classical Concert by Sh. Ghulam Abbas Khan and Group as part of celebrations of Republic Day of India
Ambassador unfurls the tricolour on the 66th Republic Day
Ambassador reads out President's message on the Republic Day
Representative of His Majesty the King of Bhutan offers Khadar (Ceremonial Scarf) to Ambassador on the occasion of Republic Day
Marchpast on the occasion of Republic Day 2015
Bodhgaya gifts holy tree sapling to Bhutanese Prime Minister
Prime Minister Tshering Tobgay visits remains of ancient Nalanda University
Counsellor (E&C) attends the ground breaking ceremony of Gola Town's Urban Water Supply Scheme
Prime Minister Tshering Tobgay visits the Bodhivrisksha, Kashi Vishwanath temple, Chaukhandi stupa, Dharmarajika stupa, Dhameka stupa and the Mulagandhakuti Vihara temple in Varanasi
Groundbreaking ceremony for Labar-Khengzor farm road construction
External Affairs Minister meeting with Prime Minister of Bhutan, H.E. Mr.Tshering Tobgay in New Delhi
Remarks of Bhutanese PM Tshering Tobgay in the Visitors Book of Amul
During his visit to Gujarat, Lyonchhoen Tshering Tobgay visits Sabarmati Riverfront at Ahmedabad, Global Mission School, the Tata Consultancy Services at Garima Park and the Amul dairy in Anand town.
Lyonchhoen Tshering Tobgay visits the Solar Park at Charanka in Gujarat
Lyonchhoen Tshering Tobgay with Indian PM Narendra Modi and Gujarat's Chief Minister Anandiben Patel at the 7th Vibrant Gujarat Global summit in Ahmedabad, Gujarat.
Bhutanese PM Tshering Tobgay meets Indian PM on the margins of 7th Vibrant Gujarat Global Summit in Ahmedabad, Gujarat on 11 January 2015
Ambassador inaugurates Pantang and Rindeygang Bridges
Minister, Work and Human Settlement, RGoB and Counsellor (E & C), Indian Embassy launch Blacktopping of Martshala GC Road
Performance by 10-member Sattriya Kala Kendra Group during the 5th India-Bhutan Friendship Trade Fair, in Samdrup Jongkhar, Bhutan
Counsellor (E&C) and Mayor of Samdrup Jongkhar inaugurate the 5th India-Bhutan Regional Friendship Trade Fair
Performance by Kashmiri Dance Troupe in Thimphu
Lyonchhen Tshering Tobgay and Ambassador inspect Conservation of Tashigang Dzong Project
Visit of Project Monitoring Team to Gasa Dzong
Training of Health Professionals on de-addiction of alcohol and drug abuse by 2 experts of AIIMS on 10-12 December 2014.
Consecration of GoI funded Mani-Dungdrup Lobdra in Punakha
Ambassador and Lyonpo Jigme Zangpo visit Kurichu HEP
Call on Minister of Labour and Human Resources by EdCIL delegation
Mr. Ngawang Gyeltshen of Mothithang HSS won 1st Prize in the essay competition organized by Embassy of India on the topic "HM the 4th King: Bhutan's Neighbourhood Policy"
Bhutan will receive Nu. 1.756 b as EDR for the year 2013
Lt. Col. Khitu Dukpa won 'India House Golf Tournament 2014'. Total 158 golfers participated in the tournament.
His Majesty The King and His Majesty the Fourth Druk Gyalpo with President Pranab Mukherjee at the Tashichhodzong, Thimphu
President launches the East West Highway Project of RGoB
President launches School Reform Programme of RGoB and inaugurates Yelchen Central School
President delivers address on India-Bhutan Relations
Signing of Memorandum of Understanding on the establishment of Nalanda University during President's visit
Cheques worth Nu. 1.289 billion handed over by Ambassador to the RGoB
President inaugurates the Jigme Wangchuck Power Training Institute at Thimphu
Chief of Army Staff Visits Bhutan
Ambassador's visit to Mangdechhu Hydroelectric Project from 08-10 October 2014
Signing of Share Holder Agreement for Kholongchhu HEP
Nehru-Wangchuck Cultural Centre celebrated its 4th anniversary
Launch of 'MAKE IN INDIA' Campaign in Bhutan
ITEC Day 2014
Bhutanese PM & Indian Ambassador light butter lamps for the flood victims of Jammu & Kashmir
His Majesty the King granted audience to the Indian delegation led by the Secretary, Ms. Sujata Mehta
Ambassador meets Women Business Delegation from FICCI Ladies Organization
Ambassador with Hon'ble PM of Bhutan during the launch of the Business Opportunity and Information Centre
Chukha Hydropower Plant: Ambassador's first visit outside Thimphu
Ambassador Gautam Bambawale's Presentation of Credential Ceremony
Prime Minister Narendra Modi addressing National Assembly
Prime Minister meets King Jigme Khesar Namgyel Wangchuck of Bhutan
Prime Minister greets people before his departure from Bhutan
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India Perspectives is the flagship publication of the Ministry of External Affairs. Richly illustrated, this magazine provides our readers with an insight into India's culture and tradition along with elements of contemporary...
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Shri Gautam Bambawale
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|Reviews for The Shapes of Kindness
| tonipanda04 chapter 15 . 12/9/2013
Love this story plz update soon
| Mizuran chapter 14 . 9/23/2013
Please please PLEASE let the next chapter come soon. I'm so on edge waiting to know what happens next between these two! w
| Guest chapter 14 . 9/16/2013
I really like Hawke and Fenris taking it slow. Just seems more in-character for them. These chapters were good. Fenris did sound a little too casual saying some of his lines (using words such as, "alright"). That's about the only critique I could make. The story is sweet and I enjoy your tone. Thanks for sharing your writing!
| Mini-Moffie13 chapter 14 . 9/15/2013
By I loved the chapter, it didn't seem dry to me at all! It was a nice filler for coming events!
| Gidgeygirl chapter 13 . 9/15/2013
D'aww I love seeing the softer side of Ferris, especially directed at Hawke.
| Letha chapter 11 . 9/13/2013
I'm in love with your fic!
| L.Lawliet13 chapter 11 . 9/13/2013
Two fabulous chapters here! Loved them! I love how Fenris opens up to her bit by bit, like a delicate flower he you'll excuse the amusing and un-Fenris like description XD
| L.Lawliet13 chapter 9 . 9/13/2013
Haha! This was brilliant! And I totally understand about the deep roads, I never want to have to write about them haha!
| Violet Enigma chapter 13 . 9/14/2013
Oh man, my mind is totally going wild with the morning after already...haha, I'm a dirty girl.
Great chapter, I enjoyed, keep up the great work.
| AikoRose chapter 13 . 9/14/2013
XD Thank you Isabela! Without her evil plotting, I wouldn't have had reason to fangirl over the amazing that this chapter was. Seriously. Amazing. Update again soon! :D
| Mini-Moffie13 chapter 13 . 9/14/2013
Aw that was so nice! A sweet yet faintly sultry chapter written to perfection!
| Caitlynn552 chapter 9 . 9/13/2013
I'm glad to see I'm not the only one who has these sorts of conversations with myself. Whew, now I can put off that doctor's visit.
| AikoRose chapter 12 . 9/13/2013
I will admit, this story has had me squealing and flailing in happiness more than a few times. XD I love your story, and the little authors note/mental conversation you did that explained you skipping the Deep Roads was fun to read also. Keep up the amazing work. :)
| Mini-Moffie13 chapter 12 . 9/13/2013
I LOVED this chapter! It was beautiful and perfect!
| mordantmonkey69 chapter 9 . 9/13/2013
I love the you published this. I think it's frigging brilliant.


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"Bank of America "
- Work/Life Balance
- Culture & Values
- Career Opportunities
- Comp & Benefits
- Senior Management
I worked at Bank of America full-time (More than a year)
Big player, lots of opportunities.
Big corporate planners. Plans may not be effective at all branches.
- Any Location
- Any Job Title
- Any Status
I worked at Bank of America full-time (More than 5 years)
Good company to move up in "corporate ladder, "easy to transfer to "close to home "if you work in the retail branch.
They make you cross sell products that customer don't really need so that you can hit your goals, making employees feel like every customer they come in contact with has to walk away with a product.
Advice to Management
Lighten up on the sales goals.
"I learned a lot, but could not advance my career outside of the banking center "
- Work/Life Balance
- Culture & Values
- Career Opportunities
- Comp & Benefits
- Senior Management
I worked at Bank of America full-time (More than 5 years)Doesn't RecommendNegative OutlookNo opinion of CEODoesn't RecommendNegative OutlookNo opinion of CEO
The experience of working in a banking center was priceless for my current career. Learned a lot of helpful banking information for my personal use as well.
Career advancement was not a focus of the company as a whole. The organization is just too large in my opinion. I gained all of my knowledge here, and then ended up having to take that knowledge to another company that actually appreciated it. The pay at BofA is far too low for the amount of stress the employees are put under.
Advice to Management
I was lucky enough to have a manager at my last banking center who was very pro career advancement, but that was very rare to find at BofA. She listened to my wishes and career goals, and actually helped me connect with another department within BofA where I would be a great fit. I was able to job shadow there a couple of times, but there were not any job opportunities. My manager actually recommended I look at a different company, which I did, and I got the job. I am very happy in my career now & I owe a ton of that to her. BofA as a whole should focus on the employees who show a lot of potential and do more to help them spend their career with the company, rather than losing great employees to competitors.


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The Rock and Roll Hall of Fame's Secret Oral-History Project
The Hall's interview series goes deep with artists from Chuck Berry to Chuck D
The Hall's interview series goes deep with artists from Chuck Berry to Chuck D
Every speech and superjam from the 2015 Rock and Roll Hall of Fame induction ceremony will air on May 30th
"It was kind of like being at your own wedding and your own funeral," singer-guitarist says in an exclusive Q&A
See what group managed to top Yes, Electric Light Orchestra, the Smiths and Cheap Trick
Cast your vote in our weekly poll
The singer talks Pussy Riot and the power of music backstage at the 2015 induction ceremony
Backstage in Cleveland, the guitarist admits that he didn't realize the Rock and Roll Hall of Fame "was such a big thing"
Backstage, Patrick Stump, Pete Wentz and Joe Trohman explain why Green Day are their "reference point for everything"
Jimmie Vaughan explains why he emphasized the Double Trouble frontman's personal side in acceptance speech
Fred Tanner recalls the days when stars like Ben E. King would visit his house to ask about his brothers' band
Backstage in Cleveland, the soul legend explained what baseball player Dizzy Dean had to do with his joyous induction
"I look at them as some of my biggest influences and people whose footsteps I'm trying to walk in," the singer says of soul legends like Withers and Stevie...
Beatle talks about his friend's honor ("It's about fucking time!") and return to the charts ("It's cool!")
The funniest speeches, most punk-rock performances and unlikeliest team-ups
Lou Reed, Joan Jett and Bill Withers also receive special inductions
"It's been an incredible journey for me with these three guys," Beatles drummer says in enthusiastic remarks
"Lou's genuinely proud of what he'd done and could really appreciate his own work," legend's widow says
Artists performed selections from singer's celebrated 'Transformer' LP
McCartney remembers "the beginning of the Beatles" with heartfelt speech in Cleveland
Legendary pop-punks perform "American Idiot," "When I Come Around" and "Basket Case"
"His consciousness infiltrated and illuminated our cultural voice," Smith says of Reed


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Hollywood keeps us on the edge of our seats with action movies, from James Bond to Jason Bourne.
About StumbleDNA StumbleDNA
Crow9WH15's Interests
From boycotts to strikes, activism drives social, political and environmental change around the world.
Who spiked the punch? Vodka or rum, mixed drinks or shots, get recipe ideas for your next party.
Traditional medicine isn't for everyone. Explore holistic remedies for mental and physical health care.
Independent and edgy, get a different spin from alternative news that's far from mainstream.
Obsessed with Radiohead? Play Nirvana on repeat? Alternative rock music is awesome. Check out more.
Like a virtual Smithsonian, explore American history from the Declaration of Independence to today.
Explore the classics of American literature, from Twain to Hemingway to Poe.
Last Tuesday might feel like ancient history, but the Greeks and Romans knew better. Check it out.
From baby animals to wild creatures to exotic pets, discover cute pictures and more about animals.
From Disney to Flash, the art of animation has brought our favorite cartoons to the screen.
From Osamu Tezuka to Pokemon, explore the world of anime (minus the expensive flight to Japan).
Like an online museum of the visual arts, from cave paintings to Rodin sculptures to Warhol prints.
Flex your creativity by exploring performing arts, literature, music, visual arts and more.
When you're not recording your newborn's first steps, explore baby names, toys, parenting advice and more.
No such thing as a free lunch? Well, there IS such thing as a great deal, if you can find a bargain!
We all need a little pampering sometimes. Explore makeup trends, hairstyles, skincare and more.
Quench your thirst by Stumbling through the best recipes for refreshing drinks and beverages.
Think ordinary is boring? Explore the weird, the strange, the obscure, and the downright freaky.
Do you love the 12-bar blues? Explore the best blues festivals, songs and more, from Chicago to Memphis.


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Fri, 3 Jul 2015
1 Attending
The Dolphin
Thu, 9 Jul 2015
Fri, 10 Jul 2015
4 Attending
Hacienda Lounge
Sat, 11 Jul 2015
14 Attending
Hot Mass
The Barbary
Thu, 16 Jul 2015
Sat, 18 Jul 2015
Thu 02/Jul 2015
3 Attending
2 Attending
Fri 03/Jul 2015
Tue 07/Jul 2015
Here are our ten favourites happening in August.
We present a flavour of this year's festival with video performances from Run The Jewels, QT, Awesome Tapes From Africa, Bok Bok, Hailu Mergia and Shanti Celeste.
Mike Grant bowed out of Detroit just as the city's techno scene was about to take off. Jordan Rothlein found out how his label put together one of the city's best discographies anyway.
In our latest film in collaboration with SONOS, we hear about the difficult questions over race and identity that have shaped one of Paris's brightest new stars.
The low-key New Yorker behind some of the most mind-bending electronic music of recent years gives a rare interview to Andrew Ryce.


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2005 Lexus ES330 Q&A
2005 Lexus ES330 Question: CAN BRAKE PADS BE INSPECTED WITHOUT REMOVING TIRES???
Our Lexus has 85k miles and my wife recently took it for an oil change and was told that the pads on the front & rear were low. It was recommended that we get them done and the estimate was a total of $300 for front & back. We normally trust the service shop we go to but when we realized that the wheels have lug locks and were never removed. Which made us wonder if the "recommendation" was truthful or just an attempt to drum up business during the slow season. We also have not detected any braking problems or squeals. But on the same token we've had no brake work done. - NYPTBLUE
Answer 1
Yes, all you have to do is to look through the spokes in the wheels. On most higher end import cars, you don't really need to remove the wheels to get a good look at the brake pads and rotors, your Lexus falls in that category. If the pad thickness is near the same thickness as the backing metal, then they are due. I would not let the brakes go until you hear something, that can be unsafe. Have the shop SHOW you, it is not that hard to do. That is what I do in the shop where I work. - dandd
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"India is always for a democratic and prosperous Maldives," he said.
He expressed hope that there would be free and fair presidential polls in the Maldives in September.
The Indian high commission in the Maldives' capital Male recently gave shelter to the country's former president Mohamed Nasheed, creating tension between the two countries.


text:
Russian ramps up pressure on coach CapelloRussia's sport minister Vitaly Mutko has further increased the pressure on national football coach Fabio Capello by saying it would be a "disaster" if the side failed to qualify for Euro 2016. "If we do not do it, it would be a catastrophe," Mutko ... Nine MSN, 6 days ago
108 images for vitaly mutko
Russia Slashes $556 Million From 2018 World Cup Budget
World Russia's Sports Minister Vitaly Mutko (L), President Vladimir Putin (C) and FIFA President Sepp Blatter (2nd R) listens to Moscow's Mayor Sergei Sobyanin at the Luzhniki Stadium, which is under construction, in Moscow, October 28, 2014.MSNBC Newsweek, 1 week ago Russia Orders $560-Million Cuts on World Cup 2018 Spending Moscow Times, 1 week ago Blatter to attend World Cup draw in Russia, says sports minister Malay Mail, 1 week ago Sports Minister Mutko says chances high of taking helm in Russian Football Union Itar Tass, 2 weeks ago
Russia sees no threat to World Cup, Valcke says plans on track
3 minutes ago SAMARA, Russia, June 10 (Reuters) - Russian Sports Minister Vitaly Mutko said on Wednesday he saw no threat to Russia hosting the World Cup in 2018 and that its successful bid to host the tournament was in line with the law. FIFA ...Yahoo! UK and Ireland Eurosport, 3 weeks ago Russia sees no threat to World Cup China Daily Asia, 3 weeks ago Football - Russia sees no threat to World Cup, Valcke says plans on track Yahoo! UK and Ireland Eurosport, 3 weeks ago REUTERS - Russia sees no threat to World Cup, Valcke says plans on track Namibia Press Agency, 3 weeks ago
Russian Sports Minister: We will host 2018 World Cup
Russian Sports Minister Vitaly Mutko says there was no risk of Russia losing the 2018 soccer World Cup finals after the United States said it was investigating the bidding process. "There is no risk to Russia hosting the World Cup," Mutko was quoted ...ITV.com, 4 weeks ago Russian sports minister says "no risk" of Russia losing 2018 World Cup - RIA Capital Bay, 4 weeks ago Qatar is secretly preparing to host the 2018 world Cup RIN.ru, 3 weeks ago
Russia Needs Own Staff in Order Not to Pay for Foreign Coaches - Minister
Russian Sports Minister Vitaly Mutko said that Russia needs to prepare own staff instead of invited foreign coaches. MOSCOW (Sputnik) Russia needs toprepare its own staff so asnot tospend so much onforeign coaches, Russian Sports Minister Vitaly ...Sputnik, 1 month ago
Russia says it has 'nothing to hide' after FIFA bid probe
nal proceedings today into FIFA's awarding of the 2018 and 2022 World Cups, Russian Sports Minister Vitaly Mutko said "we've got nothing to hide." Mutko, who is also a FIFA executive committee member and is in Zurich for the governing body's congress and ...Business Standard, 1 month ago
FIFA arrests not linked to Russia's World Cup bid; TASS cites Russian minister Vitaly Mutko
Vitaly Mutko said that the arrests of officials from FIFA were not linked to Russia's successful bid for the 2018 World Cup. MOSCOW: Russia's Sports MinisterVitaly Mutko said on Wednesday that the arrests of officials from soccer's world governing body FIFA ...Economic Times, 1 month ago
Russia cuts spending on World Cup amid economic crisis
Sports Minister Vitaly Mutko says most of the cuts will be in the number of hotels built. — Reuters file pic MOSCOW, June 22 — The Russian government ordered 30 billion roubles (RM2.1 billion) in cuts in spending on the 2018 World Cup today but ...Malay Mail, 1 week ago Russia cuts 2018 World Cup budget by £340m among cost-cutting measures The Protector NewsListOnline, 1 week ago Russia cuts World Cup spending amid economic crisis Gnom.es, 1 week ago Russia orders cuts in World Cup spending Zawya.com, 1 week ago
Blatter resignation ends crazy week in football
Unbelievable, was the reaction of one FIFA executive member who requested anonymity. Russia's Sports Minister Vitaly Mutko, also an executive member, said the decision was a complete surprise. The 6:00 am raid, by police acting on a request by US ...Business World, 1 month ago Crazy week in football ends with Blatter resignation Malay Mail, 1 month ago Sepp Blatter's resignation ends crazy week in football Firstpost.com, 1 month ago (FIFA graft) Blatter resignation ends crazy week in football Hong Kong Standard, 1 month ago
Russia: Fifa scandal will not affect 2018 World Cup video
published less than 1 hour ago Sport minister Vitaly Mutko says Russia is not worried about allegations of corruption rocking Fifa and expects the 2018 World Cup to go ahead as planned. Mutko, speaking on Wednesday, says preparations for the ...NewsOnFeeds.com, 1 month ago
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JOAN N. FEENEY, Bankruptcy Judge.
The matter before the court is the Complaint filed by Catherine Bauer ("Bauer" or the "Plaintiff") through which she seeks an exception to the discharge of a certain debt owed by Marie Colokathis ("Colokathis"
The issue presented is whether Bauer sustained her burden of establishing that the amount of the Agreement for Judgment is excepted from discharge under 11 U.S.C. § 523(a). The Court conducted a trial on June 17, 2009 during which eight exhibits were introduced into evidence and two witnesses testified, namely Bauer and the Debtor.
Based upon the testimony, exhibits, and memoranda submitted by the parties, including the transcript of the sentencing hearing before the Honorable Steven J. McAuliffe, United States District Judge for the District of New Hampshire, and the Agreement for Judgment entered in the civil action between the parties in the Concord District Court, the Court now makes the following findings of fact and rulings of law pursuant to Fed. R. Bankr.P. 7052.
The material facts of the case necessary to resolve the issue are not in serious dispute. Rather, the inferences and conclusions of law to be drawn from the facts are at the center of this adversary proceeding.
Bauer became aware of fraudulent activity with respect to her name and identity in 1999 when several credit card companies contacted her about applications for credit which she did not prepare or submit to them. (Tr. 12). In 2002, Bauer also received a collection notice from Keyspan Energy, which reflected that she owed $900.00 for an account in her name at an unknown address. (Tr. 12). In 2004, she discovered a number of accounts on her credit report which had been fraudulently opened in her name and which prevented her from refinancing her home. The fraudulent activity relating to the misuse of Bauer's name and social security number began when the Debtor's daughter, Kelly Marino, found Bauer's driver's license on the ground in a parking lot.
On November 8, 2004, Bauer's attorney submitted a written complaint to the Newburyport Police Department about the theft of Bauer's identity. (Plaintiff's Exhibit 5 "Affidavit in Support of Search Warrant" ¶ 2). On December 1, 2004, the investigating officer, Brian D. Brunault ("Brunault"), prepared an affidavit in support of a search warrant for the Debtor's residence. (Id.). In his affidavit, Brunault summarized his investigation, reporting that Bauer's Equifax file established that someone living at 11 Russell Terrace, Newburyport, Massachusetts was using her personal information to obtain credit and had successfully obtained two Discover credit cards with the Newburyport mailing address in Bauer's name. (Id. at ¶ 9). The credit cards were used for purchases
On December 2, 2004, the Newburyport Police Department executed a search warrant it obtained for 11 Russell Terrace, the home which the Debtor and her daughter, Kelly Marino, shared. (Id.). The police seized multiple items, including mail and credit cards in Bauer's name and in the name of Brianna Onasis. (Plaintiffs Exhibit 5 "Narrative for Inspector Brian D. Brunault"). At booking, the Debtor admitted to being involved in identity theft. (Id.).
Following her arrest, the United States Attorney brought charges against Colokathis in the United States District Court for the District of New Hampshire (the "criminal action"). After a jury trial, she was found guilty of 1) Wire Fraud and Attempted Wire Fraud; Aiding and Abetting Wire Fraud, 2) Attempted Use and Use of Unauthorized Access Devices Affecting Interstate or Foreign Commerce; Aiding and Abetting Such Uses, 3) Conspiracy to Use Unauthorized Access Devices Affecting Interstate of [sic] Foreign Commerce, and 4) Aggravated Identity Theft, see 18 U.S.C. §§ 2; 1028A(a)(1)(B) and (c)(4);
(Defendant's Exhibit 1 at 64).
Bauer subsequently filed a complaint in the Massachusetts Trial Court, Concord District Court for damages, costs and attorney's fees, citing Mass. Gen. Laws ch. 266, § 37E
The Debtor filed a Chapter 13 petition on July 25, 2008. Bauer filed the Complaint now before the Court on November 7, 2008. Approximately three weeks later, Colokathis converted her Chapter 13 case to a case under Chapter 7, and, pursuant to Fed. R. Bankr.P. 1019(2), a new deadline
In her Complaint, Bauer alleged that the Concord District Court complaint was based upon the Debtor's "false pretenses, false representations and actual fraud in using Plaintiff's identity to obtain valuable goods and/or services;" that Defendant's liability under said suit was also based on "Defendant's willful and malicious injury to Plaintiff by using Plaintiffs Social Security Number, date of birth, etc. in obtaining credit and running up debts in Plaintiffs name on Plaintiffs credit;" and that "Plaintiff believes and further alleges that Defendant's obligation to her is nondishargeable under FRBP [sic] 7001(6) on other grounds."
A. Procedural Issues
Because Bauer filed the instant adversary proceeding against the Debtor while her case was a case under Chapter 13, this Court must consider the issues posed by the subsequent conversion of the Debtor's case to a case under Chapter 7. Section 1328(a) does not except from the Chapter 13 discharge debts of the kind set forth in 11 U.S.C. § 523(a)(6) "for willful and malicious injury by the debtor to another entity or to the property of another entity." Section 1328, however, does except from discharge debts of the kind set forth in section 523(a)(2) and (a)(4), as well as debts "for restitution, or damages, awarded in a civil action against the debtor as a result of willful or malicious injury by the debtor that caused personal injury to an individual or the death of an individual." See 11 U.S.C § 1328(a)(2) and (a)(4). Although Bauer did not specifically cite 11 U.S.C. § 523(a)(2)(A), (a)(4) or (a)(6), the Court shall treat her Complaint as amended to conform to the evidence to state causes of action under sections 523(a)(2)(a), (a)(4) and (a)(6). See Douglas v. Kosinski (In re Kosinski), No. 06-1400, 2009 WL 261538 at *9 (Bankr.D.Mass. Feb.4, 2009). Moreover, because Colokathis did not object to Bauer's failure to file another complaint under 11 U.S.C. § 523(a) after the conversion of her case to Chapter 7 or raise any issue as to the timeliness of the Complaint, particularly as to section 523(a)(6), the Court shall deem the Complaint to be timely filed in the Chapter 7 case. Cf. Kontrick v. Ryan, 540 U.S. 443, 124 S.Ct. 906, 157 L.Ed.2d 867 (2004). Colokathis forfeited her right to raise any issues as to timeliness of Bauer's Complaint, which was not refiled after the conversion of the case to a case under Chapter 7.
B. Section 523(a)(6)
A debt incurred through "willful and malicious injury by the debtor to another entity or to the property of another entity" is excepted from discharge under 11 U.S.C. § 523(a)(6). The Court finds that Bauer's claim against the Debtor arose as a direct result of the Debtor's theft of Bauer's identity and use of that identity to obtain credit and services. The Debtor was convicted of multiple crimes in the United States District Court for the District Of New Hampshire arising out of the theft of Bauer's personal information. She thereafter entered into an Agreement for Judgment in the civil action in which Bauer alleged that she suffered emotional distress as a result of Colokathis' "negligent wilful [sic] wanton and reckless and intentional conduct." (Plaintiff's Exhibit 4). Notably, the underlying complaint filed in the Concord District Court is predicated upon and makes reference to the Debtor's conviction for multiple felonies involving identity theft in the United States District Court for the District of
In Archer v. Warner, 538 U.S. 314, 123 S.Ct. 1462, 155 L.Ed.2d 454 (2003), the United States Supreme Court considered the question of whether a debt arising under a settlement agreement resulting from a state court action for fraud could be found nondischargeable under 11 U.S.C. § 523(a)(2)(A). The bankruptcy court had found that the debt was dischargeable, and both the District Court and the United States Court of Appeals for the Fourth Circuit affirmed the bankruptcy court decision. The Supreme Court, recognizing a split among the circuits on the issue of whether debts arising out of the settlement of fraud claims are nondischargeable, granted certiorari. The Court determined that a settlement agreement or agreement for judgment does not convert a debt arising out of fraud to a dischargeable debt arising out of breach of contract. 538 U.S. at 322, 123 S.Ct. 1462. The Court, relying upon its earlier decision in Brown v. Felsen, 442 U.S. 127, 99 S.Ct. 2205, 60 L.Ed.2d 767 (1979), in which it held that res judicata did not prevent a bankruptcy court from reviewing the judgment and record in a prior state-court proceeding and looking beyond them when considering the dischargeability of a debt, id. at 138-39, 99 S.Ct. 2205, determined that the existence of a stipulation "did not bar the [creditors] from showing that the settlement debt arose out of ... fraud." Archer
Since the decision in Warner, numerous courts have applied the Supreme Court's holding to other categories of nondischargeability actions under section 523(a). See Giaimo v. DeTrano (In re DeTrano), 326 F.3d 319, 322 (2nd Cir.2003)("if the tort claims against [the debtor] would have created a nondischargeable debt [...] had those claims been litigated to judgment in [the creditor's] favor, then it is no defense for [the debtor] to state that he has replaced that possible liability with a dischargeable contractual obligation through the settlement agreement").
Because the Supreme Court in Archer v. Warner indicated that the facts of the case from which the agreement arose will determine whether the elements of section 523 are satisfied, this Court need only look to the underlying civil action in order to determine whether Bauer's claim is nondischargeable under section 523(a)(6). 538 U.S. at 320, 123 S.Ct. 1462. Therefore, the question before the Court is whether the underlying complaint and the allegations contained in it satisfy section 523(a)(6)'s requirement that the debt be for "willful and malicious injury" to Bauer.
In Kawaauhau v. Geiger, 523 U.S. 57, 118 S.Ct. 974, 140 L.Ed.2d 90 (1998), the Supreme Court analyzed the elements of the exception to discharge under section 523(a)(6). The Court determined that "[t]he word `willful' in § 523(a)(6) modifies the word `injury,' indicating that exception to discharge requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury." 523 U.S. at 61, 118 S.Ct. 974. As a result of the Supreme Court's decision, actions of the debtor which simply cause injury, but which are not deliberately undertaken, are not excepted from discharge. Because the Court found that the defendant's actions did not rise to the level of willful injury, the Court did not reach the question of what the term "malicious" added to the analysis. Id.
The United States Court of Appeals for the First Circuit in Printy v. Dean Witter Reynolds, Inc., 110 F.3d 853 (1st Cir.1997), held that the element of malice in section 523(a)(6) requires that the creditor show that the injury was caused without justification or excuse. Id. at 859. The Printy formulation is followed by courts in this circuit. See, e.g., Caci v. Brink (In re Brink), 333 B.R. 560, 567 (Bankr.D.Mass. 2005); Gomes v. Limieux (In re Limieux), 306 B.R. 433, 440 (Bankr.D.Mass.2004); McAlister v. Slosberg (In re Slosberg), 225 B.R. 9, 21 (Bankr.D.Maine 1998).
Construing Geiger and Printy together this Court concludes that, for an exception to discharge under 11 U.S.C. § 523(a)(6) to apply, the creditor has the burden of showing by a preponderance of the evidence, see Grogan v. Garner, 498 U.S. 279, 111 S.Ct. 654, 112 L.Ed.2d 755 (1991), that 1) the creditor suffered injury; 2) the debtor intended to cause the injury or that there was substantial certainty that the injury would occur; and 3) the debtor had no justification or excuse for the action resulting in injury. This is consistent with the Slosberg court's view that although "the terms [willful and malicious] might share elements, i.e., they both require that the act itself be intentional, they must
First, Bauer has the burden of showing that the theft of her personal information by the Debtor caused her to suffer injury. Geiger, 523 U.S. 57, 118 S.Ct. 974. Bauer testified that she lived, and continues to live, in fear of the moment when "the next shoe would drop". (Tr. 14). She testified that, as a professional psychiatrist, she would categorize her symptoms as post-traumatic stress syndrome. (Tr. 16) Bauer further testified that fraudulent activity appearing on her credit report has made it difficult for her to refinance her mortgage and that it continues to affect her creditworthiness. (Tr. 17). The Court finds that the Debtor's theft injured Bauer personally because she has suffered emotional distress, and it injured her credit score and credit reports.
Injury alone is not enough to make the debt nondischargeable under section 523(a)(6), however. Bauer also had the burden of showing that the Debtor either subjectively intended to cause the injury or that, objectively, she knew that her actions would be "substantially certain to cause injury." Slosberg, 225 B.R. at 18. While the Debtor testified that she did not mean to harm Bauer, her testimony is incredible in view of her admitted criminal background and the findings of District Court Judge McAuliffe at the sentencing hearing. The Debtor opened and used credit card and service accounts in Bauer's name for years, and she used Bauer's social security number to obtain credit under the name of Brianna Qnassis. She fraudulently established these accounts using a name and social security number from a driver's license Bauer lost. The Court discredits any suggestion that because the Debtor did not know Bauer personally she did not know or intend her actions to harm Bauer. Her actions could have no other consequence and cannot be attributed to negligence as was the case in Geiger. There was a substantial certainty that opening accounts and using fraudulently obtained credit cards with stolen information, coupled with charging large numbers of transactions to those cards, would result in harm, including a demand on Bauer to pay debts she never incurred and damage to Bauer's creditworthiness. Bauer's creditworthiness is intangible property, which was harmed as a result of the Debtor's actions.
With regard to damages to the person or property of an individual unknown to the debtor, the decision in Van Vuurren v. Berrien (In re Berrien), 368 B.R. 85, 2007 WL 1701679 (10th Cir. BAP 2007), aff'd, 280 Fed.Appx. 762 (10th Cir.2008), is instructive. In that case, the debtor fraudulently accused an 18 year-old girl of a hit and run collision in a parking lot. 2007 WL 1701679 at *2. After watching a young woman drive through the parking lot, the debtor fabricated a story that the young woman struck his wife and fled the scene. Prior to bankruptcy, the parents of the driver sued the debtor for, among other things, conspiracy to defraud. The debtor filed for Chapter 7 relief on the eve of a state court trial. The driver and her parents filed a complaint in the debtor's bankruptcy case seeking exception to discharge for the claims arising out of the debtor's fraudulent conduct under section 523(a)(6). The bankruptcy court awarded the plaintiffs $96,000 in nondischargeable damages.
On appeal to the United States Bankruptcy Appellate Panel for the Tenth Circuit, the debtor argued that since he directed all of his conduct exclusively at the driver, the bankruptcy court could not properly have determined that any resulting injury to the parents was "willful and
Id. The Panel upheld the bankruptcy court's award of money damages, finding that the debt was properly excepted from discharge. The court stated: "[t]he fact that Debtor neither knew nor cared who ultimately became the `victim' of his fraud does not insulate his conduct from applicability of § 523(a)(6)." Id. at *4. The Panel also reiterated the view expressed by the Tenth Circuit that although an intentional tortfeasor is liable for the consequences of his acts, "it does not follow that everything that happens to the victim following the commission of the tort was intended by the tortfeasor." Id. at n. 16. The Panel added, however, that "`§ 523(a)(6) may be satisfied by debtor's belief that the conduct is substantially certain to cause the injury." Id. (Citing Panalis v. Moore (In re Moore), 357 F.3d 1125, 1129 (10th Cir. 2004)). In excepting the debt from discharge under section 523(a)(6), the Panel concluded that the debtor knew his false accusations were substantially certain to result in financial harm. 2007 WL 1701679 at *3 n. 16. Similarly, in this adversary proceeding, the Debtor knew that opening and using credit cards and service accounts would cause financial harm to the individual whose personal information was used. Indeed, the Debtor had been found guilty of misuse of credit cards in Massachusetts and was aware of the resulting impact on the finances, credit history and reputation of her victims. Therefore, the first prong of the Geiger test, proof of deliberate or intentional injury, is satisfied.
The final issue under section 523(a)(6) that must be addressed is whether the Debtor had just cause or excuse to perpetrate the identity theft. The lack of just cause or excuse makes the act malicious. See Slosberg, 225 B.R. at 22. See also Printy, 110 F.3d at 859 (defining malice as "wrongful and without just cause or excuse, even in the absence of personal hatred, spite or ill will."). This standard for malice, pronounced by the Supreme Court in Tinker v. Colwell, 193 U.S. 473, 24 S.Ct. 505, 48 L.Ed. 754 (1904), was left undisturbed by the Geiger analysis of dischargeability. Therefore, a debt may be dischargeable when it was incurred through willful conduct, even when injury was reasonably certain to occur, if there was duress or some other element which made the act justifiable. See, e.g. Federal Deposit Ins. Corp. v. Cerar (In re Cerar), 97 B.R. 447, 452 (C.D.Ill.1989)(discussing whether debtor was under duress when forging notes to avoid foreclosure).
The Court finds that the identity theft, and the Debtor's conviction of numerous federal crimes, underlying the Agreement for Judgment and the state court complaint, were committed without justification or excuse. There is no element of duress or other justification in the record which would clear a path for the Debtor to steal another's identity. See Slosberg, 225 B.R. at 22. Accordingly, the Court finds that the debt arose from the Debtor's willful and malicious injury to the Plaintiff, and the debt resulting from these acts is nondischargeable under 11 U.S.C. § 523(a)(6).
C. Sections 523(a)(2)(A) and (a)(4)
Alternatively, the Court concludes that the debt owed Bauer is nondischargeable under section 523(a)(2)(A) and
335 B.R. at 12. See also Evergreen Marine Corp. v. Six Consignments of Frozen Scallops, 4 F.3d 90, 95 (1st Cir.1993).
Alternatively, the Debtor's conduct would satisfy the definition of actual fraud under 11 U.S.C § 523(a)(2)(A) adopted by the United States Court of Appeals for the Seventh Circuit in McClellan v. Cantrell, 217 F.3d 890 (7th Cir. 2000). In that case, the Seventh Circuit expanded the scope of section 523(a)(2)(A)'s exception to discharge beyond the common law tort of misrepresentation. It observed that fraud is not limited to misrepresentations and misleading omissions, 217 F.3d at 893, adding "`[f]raud is a generic term, which embraces all the multifarious means which human ingenuity can devise and which are resorted to by one individual to gain an advantage over another by false suggestions or by the suppression of truth. No definite and invariable rule can be laid down as a general proposition defining fraud, and it includes all surprise, trick, cunnining, dissembling, and any unfair way by which another is cheated.'" Id. (quoting Stapleton v. Holt, 207 Okla. 443, 250 P.2d 451, 453-54 (Okla.1952)). The United States Court of Appeals for the First Circuit in McCrory v. Spigel (In re Spigel), 260 F.3d 27 (1st Cir.2001), did not adopt the McClellan approach, but it did not reject it either. It stated: "McClellan is consistent with our existing precedent in that it also requires a direct link between the alleged fraud and the creation of the debt." 217 F.3d at 32 n. 7. That link is satisfied in this case. Were the First Circuit to adopt McClellan, this Court concludes that the Debtor's conduct would fall neatly within its ambit.
In view of the amount of the Agreement for Judgment for $12,000.00 which accrues at the rate of 12% per year, which runs from the date of judgment until the Debtor's petition date, the Court shall enter a judgment in favor of Bauer and against the Debtor, and shall require Bauer to submit a proposed form of judgment for the amount of $12,000 plus interest at the federal judgment rate from the date of the filing of the adversary complaint to the date of the judgment. Interest at the federal rate shall continue to accrue on the judgment until satisfied.
Mass. Gen. Laws ch. 266, § 37E.
Id. at 101-02. Additionally, "individuals whose identifying information is used to construct synthetic identities may not suffer direct financial losses as a result of the crime. However, victims of synthetic identity theft may suffer non-monetary losses For instance, a debt collector attempting to recover funds associated with the synthetic identity's account may, in searching for the debtor, attribute the account to the real owner of the SSN. Such contacts from debt collectors may cause reputational harm and emotional distress, in addition to wasting the victim's time and resources." Id. at 102-03. It is clear that the Debtor used Bauer's information in both of the foregoing ways.
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1993 Oldsmobile Achieva Q&A
1993 Oldsmobile Achieva Question: Tail light is solid...
My drivers side rear blinker is solid when turned on. The Hazards work fine and so does the right turn signal. I went to take the bulb out and switch it with the right to see if it was a bulb problem and the bulbs look like they are glued into the housing. What could be the problem with the light? - gshaw37768
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Battle: Twelve O'Clock High
|Normal Mode
|5 Torgue Tokens
|True Vault Hunter
|5 Torgue Tokens
Continue forward past the Battle board after Mr. Torgue gives you the instructions to kill Flyboy's Buzzard armada. Doing so, he will invite you to his lair so he can kill you.
This mission is simple and straightforward. Make sure you keep to cover when you need to and use a corrosive weapon if you've got it.
Your objective here is to shoot and kill all escort Buzzards and steal the bling that falls from them. They're the ones that have crates attached to them. The escort buzzards don't really defend themselves. The real threat here are all the normal Buzzards that fly around and shoot rockets at you.
Collect 5 of Flyboy's bling and the mission is over, turn it in at the battle board in which you started this mission and initial Chapter 13: Kickstart My Heart.
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If your holiday videos and TV recordings are fillng up your home computer, burn them onto a DVD with Kmediafactory.
You don't need to be an expert to put your holiday videos and TV recordings on a DVD. A simple DVD tool for Linux is KDE's Kmediafac tory [1]. Kmediafactory, which was au thored by Finnish developer Petri Dam sten, let's you create a video DVD in just three simple steps. Installation Although it is quite simple to install Kmediafactory, you need to make sure that a number of multimedia dependen cies are addressed (Xine, Dvdauthor, Mjpegtools, Libdvdread, Dvd-slide show). It is a good idea to use an online repository as the installation source. After adding the repository as a YaST in stallation source, or adding the reposi tory in Apt/ Smart, you can install Kme diafactory along with the required multi media packages.
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Main News Page
Monday, March 7, 2011
More items for
Coating Materials
The billion-dollar-plus boom in nanocoating technology will be getting a closer look as several federally funded studies undertake to study the risks of nanomaterials.
The U.S. Environmental Protection Agency has awarded $5.5 million to three consortia to support research on nanotechnology. The grants will help researchers determine whether certain nanomaterials can leach out of coatings, paints, plastics, and fabrics and other products during use or disposal and whether they could become toxic to people and the environment.
Ohio-based MesoCoat Inc.is one of several companiesleading the nanocoatingscharge in protective andmarine applications.
EPA and the UK's Natural Environment Research Council are leading a scientific research effort "to better understand the potential risks to people's health and the environment," EPA said. The scientific information developed from the research can help guide EPA and other agencies in decisions about the safety of new materials and products that are made using nanotechnology.
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Nanostructured coatings are likely to replace traditional coatings in the medium- to long term in protective, marine and transportation coatings; industrial manufacturing and packaging; and other end-use segments, a new report predicts.
The global market for nanostructured coatings was $1.3 billion in 2010 and should top $3.5 billion by 2015, according to "The World Market for Nanostructured Coatings," recently published by researchandmarkets.com.
Growth is expected across all sectors for the next five to 10 years, led by anti-corrosion coatings for military applications and for oil and gas pipelines.
Properties such as corrosion resistance, flame retardancy, UV stability, gloss retention and chemical and mechanical properties are improved significantly using nanostructured materials, the report notes.
Main end user markets for nanostructured coatings in 2010 included construction and exterior protection (mainly in anti-weathering coatings), military and defense (anti-corrosion coatings for military vehicles and protective textiles for soldiers), and automotive (anti-corrosion, thermal barrier and hydrophobic coatings).
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"The World Market for Abrasion, Wear and Corrosion Resistant Nanocoatings" totaled $352.4 million in 2010 and is expected to exceed $879.2 million by 2015, according to a second recent study by researchandmarkets.com.
Main markets for these coatings are—and will continue to be—in marine, military, energy (oil and gas pipelines and drilling), aerospace and automotive sectors, where the effects of abrasion, wear and corrosion have a massive financial and safety impact.
Nanostructured coatings provide improved scratch and abrasion resistance, superhardness that rivals diamond in performance, improved wear resistance and toughness properties and comprehensive corrosion inhibition as well as meeting stringent regulatory and safety requirements, the report notes.
'Responsible Development'
Nanotechnology is the science of very small matter called nanomaterials, which are structured in size between 1 to 100 nanometers. A nanometer is 100,000 times thinner than a strand of hair. At extremely small sizes, the laws of physics change and nanomaterials can exhibit unique properties different than the same chemical substances in a larger size. This opens up new opportunities for the development of innovative products and services.
"The responsible development of nanotechnology can play a major role in sustaining a positive, healthy environment; a vibrant and growing economy; and a high standard of living," said Paul Anastas, assistant administrator for EPA's Office of Research and Development.
"Understanding the risks posed by engineered nanomaterials is a global challenge that is best met through international collaboration, drawing on the combined expertise of researchers from diverse backgrounds."
In addition to EPA's $5.5 million, the Consumer Product Safety Commission (CPSC) has contributed $500,000 through a new research partnership between the two agencies. Grant awards were made to three consortia consisting of researchers from the U.S. and the U.K. Each U.S. team of researchers received $2 million from EPA and CPSC for a total of $6 million. Each U.K. team also receives $2 million from the U.K. agencies, resulting in a grand total of $12 million to conduct the research.
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Into this den of intrigue enters Chen Zhen, once played by Bruce Lee in FIST OF FURY and Jet Li in FIST OF LEGEND. Chen Zhen (Donnie Yen), has returned to China after fighting alongside the Allied forces in Europe, bringing some dark secrets from his past along with him. During the day, he's known as "Ku", and appears to be just another wealthy playboy. But at night, he takes to the street as a masked warrior, determined to subvert the Japanese invasion while becoming entangled with the sultry Kiki (Shu Qi), who has a dangerous secret of her own. When his past catches up to him, Zhen is faced with near impossible odds- but his skills are formidable, and he's up to the challenge.
Combining the best of today's martial arts and superhero action with the classic spy thrillers of the past (and a healthy dose of film noir on top), LEGEND OF THE FIST is the rare action film that truly gives the audience something they've never seen before.
Bonus Features
Behind The Scenes
Cast and Crew Interviews
Optional English Dub
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This movie it's ok, the story it's ok, but i do like the martial art fighting a lot.Published 1 month ago by Alyas Boy Bato
Very well done movie. Lots of action. Great acting. Beautiful scenery and costumesPublished 3 months ago by nightnook
I went into this with a bit of reservation since some of the reviews on here weren't too favorable & I gotta say, im sorry I put off watching it for so long. Read morePublished 4 months ago by Nightwing