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Title 31A Chapter 23a Section 402
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Insurance Code
Insurance Marketing - Licensing Producers, Consultants, and Reinsurance Intermediaries
Section 402
Unfair marketing practices -- Communication -- Unfair discrimination -- Coercion or intimidation -- Restriction on choice.
31A-23a-402. Unfair marketing practices -- Communication -- Unfair discrimination -- Coercion or intimidation -- Restriction on choice.
(1) (a) (i) Any of the following may not make or cause to be made any communication that contains false or misleading information, relating to an insurance product or contract, any insurer, or any licensee under this title, including information that is false or misleading because it is incomplete:
(A) a person who is or should be licensed under this title;
(B) an employee or producer of a person described in Subsection (1)(a)(i)(A);
(C) a person whose primary interest is as a competitor of a person licensed under this title; and
(D) a person on behalf of any of the persons listed in this Subsection (1)(a)(i).
(ii) As used in this Subsection (1), "false or misleading information" includes:
(A) assuring the nonobligatory payment of future dividends or refunds of unused premiums in any specific or approximate amounts, but reporting fully and accurately past experience is not false or misleading information; and
(B) with intent to deceive a person examining it:
(I) filing a report;
(II) making a false entry in a record; or
(III) wilfully refraining from making a proper entry in a record.
(iii) A licensee under this title may not:
(A) use any business name, slogan, emblem, or related device that is misleading or likely to cause the insurer or other licensee to be mistaken for another insurer or other licensee already in business; or
(B) use any advertisement or other insurance promotional material that would cause a reasonable person to mistakenly believe that a state or federal government agency, including the Health Insurance Exchange, also called the "Utah Health Exchange," created in Section 63M-1-2504, the Comprehensive Health Insurance Pool created in Chapter 29, Comprehensive Health Insurance Pool Act, and the Children's Health Insurance Program created in Title 26, Chapter 40, Utah Children's Health Insurance Act:
(I) is responsible for the insurance sales activities of the person;
(II) stands behind the credit of the person;
(III) guarantees any returns on insurance products of or sold by the person; or
(IV) is a source of payment of any insurance obligation of or sold by the person.
(iv) A person who is not an insurer may not assume or use any name that deceptively implies or suggests that person is an insurer.
(v) A person other than persons licensed as health maintenance organizations under Chapter 8 may not use the term "Health Maintenance Organization" or "HMO" in referring to itself.
(b) A licensee's violation creates a rebuttable presumption that the violation was also committed by the insurer if:
(i) the licensee under this title distributes cards or documents, exhibits a sign, or publishes an advertisement that violates Subsection (1)(a), with reference to a particular insurer:
(A) that the licensee represents; or
(B) for whom the licensee processes claims; and
(ii) the cards, documents, signs, or advertisements are supplied or approved by that insurer.
(2) (a) A title insurer, individual title insurance producer, or agency title insurance producer or any officer or employee of the title insurer, individual title insurance producer, or agency title insurance producer may not pay, allow, give, or offer to pay, allow, or give, directly or indirectly, as an inducement to obtaining any title insurance business:
(i) any rebate, reduction, or abatement of any rate or charge made incident to the issuance of the title insurance;
(ii) any special favor or advantage not generally available to others;
(iii) any money or other consideration, except if approved under Section 31A-2-405; or
(iv) material inducement.
(b) "Charge made incident to the issuance of the title insurance" includes escrow charges, and any other services that are prescribed in rule by the Title and Escrow Commission after consultation with the commissioner and subject to Section 31A-2-404.
(c) An insured or any other person connected, directly or indirectly, with the transaction may not knowingly receive or accept, directly or indirectly, any benefit referred to in Subsection (2)(a), including:
(i) a person licensed under Title 61, Chapter 2c, Utah Residential Mortgage Practices and Licensing Act;
(ii) a person licensed under Title 61, Chapter 2f, Real Estate Licensing and Practices Act;
(iii) a builder;
(iv) an attorney; or
(v) an officer, employee, or agent of a person listed in this Subsection (2)(c)(iii).
(3) (a) An insurer may not unfairly discriminate among policyholders by charging different premiums or by offering different terms of coverage, except on the basis of classifications related to the nature and the degree of the risk covered or the expenses involved.
(b) Rates are not unfairly discriminatory if they are averaged broadly among persons insured under a group, blanket, or franchise policy, and the terms of those policies are not unfairly discriminatory merely because they are more favorable than in similar individual policies.
(4) (a) This Subsection (4) applies to:
(i) a person who is or should be licensed under this title;
(ii) an employee of that licensee or person who should be licensed;
(iii) a person whose primary interest is as a competitor of a person licensed under this title; and
(iv) one acting on behalf of any person described in Subsections (4)(a)(i) through (iii).
(b) A person described in Subsection (4)(a) may not commit or enter into any agreement to participate in any act of boycott, coercion, or intimidation that:
(i) tends to produce:
(A) an unreasonable restraint of the business of insurance; or
(B) a monopoly in that business; or
(ii) results in an applicant purchasing or replacing an insurance contract.
(5) (a) (i) Subject to Subsection (5)(a)(ii), a person may not restrict in the choice of an insurer or licensee under this chapter, another person who is required to pay for insurance as a condition for the conclusion of a contract or other transaction or for the exercise of any right under a contract.
(ii) A person requiring coverage may reserve the right to disapprove the insurer or the coverage selected on reasonable grounds.
(b) The form of corporate organization of an insurer authorized to do business in this state is not a reasonable ground for disapproval, and the commissioner may by rule specify additional grounds that are not reasonable. This Subsection (5) does not bar an insurer from declining an application for insurance.
(6) A person may not make any charge other than insurance premiums and premium financing charges for the protection of property or of a security interest in property, as a condition for obtaining, renewing, or continuing the financing of a purchase of the property or the lending of money on the security of an interest in the property.
(7) (a) A licensee under this title may not refuse or fail to return promptly all indicia of agency to the principal on demand.
(b) A licensee whose license is suspended, limited, or revoked under Section 31A-2-308, 31A-23a-111, or 31A-23a-112 may not refuse or fail to return the license to the commissioner on demand.
(8) (a) A person may not engage in an unfair method of competition or any other unfair or deceptive act or practice in the business of insurance, as defined by the commissioner by rule, after a finding that the method of competition, the act, or the practice:
(i) is misleading;
(ii) is deceptive;
(iii) is unfairly discriminatory;
(iv) provides an unfair inducement; or
(v) unreasonably restrains competition.
(b) Notwithstanding Subsection (8)(a), for purpose of the title insurance industry, the Title and Escrow Commission shall make rules, subject to Section 31A-2-404, that define an unfair method of competition or unfair or deceptive act or practice after a finding that the method of competition, the act, or the practice:
(i) is misleading;
(ii) is deceptive;
(iii) is unfairly discriminatory;
(iv) provides an unfair inducement; or
(v) unreasonably restrains competition.
Amended by Chapter 319, 2013 General Session
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Poorvika Mobile World
The services of Poorvika Mobiles were started in 31st march 2004. Kodambakkam was the first place where the first showroom was started with 6 staff members. The basic reason behind purvika mobile to achieve a set target was levied on factors of perfect planning along with customer care services that presents an Excellency. Keeping these aspects in mind, the company moved forward with an attempt to get established and win the trust of customers completely. The aim was not just to make the products available in the market.
Once Poorvika Mobile was confident that it is much capable of expanding its services, it moved ahead with an intention to open various showrooms all across the major areas of Chennai. It has made every single effort in order to reach minds of the Chennai locals and establish completely as franchise brand. The company has also called for number of retail outlets that will assist them in expanding its business. All across the Chennai city the brand is spread producing phones to accessories giving you complete space to download.
Poorvika Mobiles
The showroom of Poorvika mobile world is a multi branded one having collection of world class features. The company is providing you with all major brands that include mobiles of Nokia, Samsung and various other popular ands well known brands. The focus of the owners of Purvika mobile is more towards making the brand apt up to customer's satisfaction. It provide services that are available for all the. With the perfect display of purvika mobile showroom allows the customers to enjoy the view.
Purvika is making a new way of towards enhancing its services and laying back the footprints. At present, purvika mobiles are considered as the real players who are playing with majority attraction from customers. It is also said the purvika mobiles is now considered as the one stop mobile shop for all the visitors as well as competitor companies who are dealing in mobiles and accessories.
Poorvika Mobiles With Price
Poorvika mobile are encouraged is a manner that they finally attain a position of world class service providers in mobile retail chain outlet. Proper care and maintenance is done in order to establish a margin. It makes all possibilities for a person to purchase a mobile phone at a reasonable rate. A person can search for a good handset at an unbelievable price. Moreover, it is having some new models too that can attract people a lot. Poorvika Mobiles with price play business ethics that may satisfy a large number of people.
Poorvika Mobiles In Chennai
Poorvika Mobiles are having their stores in Chennai as well. They are giving more opportunities to the residents of Tamil Nadu to purchase mobiles at a cheaper rate through their stores. In this context, they are having their own website through which people can get big deals on purchasing their favorite handsets. Thus, Poorvika Mobiles are not only serving to a part of state or an area, they are serving in a large area to get maximum satisfaction and to provide cheaper handsets to the people. Moreover, it is providing many mobile accessories too. They are of good quality and of long durability too. The major incentive of the company lies in making the customers realize purvika as one option.

subset: commoncrawl


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Joan Osborne once recalled how "Blues music rescued me when I was in need of rescue." On her newest album, Bring it on Home, Joan returns the favor and it's the blues that gets new life. Drawing from a voice the New York Times called "angelic ecstasy and sexual abandon," Joan Osborne has at long last made an album of vintage blues, R&B and soul songs.
Bring it on Home also includes tracks originally made famous by American blues masters such as Sonny Boy Williamson ("Bring it on Home"), Muddy Waters ("I Want to Be Loved"), as well as recordings originally released by some of the greatest R&B singers ever including Ray Charles ("I Don't Need No Doctor"), Al Green ("Rhymes") and Otis Redding ("Champagne and Wine").
Bring it on Home was produced by Joan and her longtime music director/guitarist Jack Petruzzelli. It was recorded live in the Waterfront Studios in Hudson, NY by engineer Henry Hirsch (Lenny Kravitz), who used an original 24 track Studer tape machine to recreate the warm and organic analogue sound of the era. Guest musicians include Barbecue Bob Pomeroy (harmonica), Allen Toussaint (piano on his own "Shoorah! Shoorah!") and vocalists the Holmes Brothers and Rufus Thomas' daughter, Vaneese Thomas. Jimmy Vivino, Conan O'Brien Show Band musical director, assembled all horn arrangements and also played electric piano on "I Don't Need No Doctor."


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alwysbisy, oh my gosh! It's only been 5 months since a bilateral TKR and you've already had TWO(2) manipulations along with your other problems!?! Bless your heart! I would FOR SURE keep up with EVERYTHING that is/has been going on and present ALL of this to all physical therapists & doctors. I didn't have bilateral TKR, but I had my right knee replaced in August of 2012, and my left knee in May of 2013. I am learning that I ALWAYS need to exercise my knees -which I do in my rehab swimming pool 3-5 times/week- or my knees get SO stiff that I can hardly move/walk. BUT, I NEVER had to go thru all that you have. Did you use the CPM machine on both knees 6 hrs. daily for 6 weeks post surgery? I learned to HATE that machine (twice!), but I knew that there would be definite scar tissue build up if I didn't. I don't think that I actually helped you with your post, but I'll still wish you the best of luck with your progress.
I also had "bone-on-bone" on both knees. I went thru the cortisone shots; supartz (similar to synvisc) injections; 1 scope on one knee & 2 scopes on the other . . .and still pain. I got to the point that I couldn't sit, stand, walk, move etc. without awful pain. My orthopedic surgeon told me from the very beginning that I would KNOW when it was time for replacements. In fact, I had to go at least a decade beyond that because of teaching (I'm retired now), and I was the sole caretaker for both of my parents. My Mother passed away in Nov. of 2005, and my Dad in June of 2009. I finally told my self not long after. . . it's (way past) time. In fact, in Nov. after the 1st surgery, I went ahead and set up my 2nd, just so I wouldn't "chicken out" and start putting it off again. My doctor didn't even talk bilateral surgery with me. I can tell you something FOR SURE re: knee replacement. You have to have good family/friends there for you if you plan on doing your rehab at home. I was fortunate in that area. You have to be patient. Recovery will come, but it will take time. As far as pain goes, I suspect different people have different tolerance levels. Also, your doctor will work with you in that area, too. If you have any other questions, just let me know & I will try to respond to the best of my ability. Good luck with your future endeavors.View Thread
I had my first TKR on my right knee 19 months ago, and the 2nd on my left knee almost 10 months ago. Even though they are both still somewhat stiff and sore, I try to exercise in the rehab pool 3-5 times a week. BUT, there is definitely NO pain and NO cracking in either knee. I am SO glad that you are going to see your orthopedist. Please keep us up on your progress. Sending good thoughts & prayers your way.View Thread
I'm 57 and also have OA. I know EXACTLY how you feel. I'm a retired teacher and had SUCH pain daily. I went thru exactly similar circumstances. Everyone would just say, "Oh, you just have to work thru the pain". It was as if OA wasn't REALLY a condition worth mentioning. Within the past year & a half, I've had both knees replaced. I take Meloxicam(prescribed) twice daily for joint pain, but if it DOES help with the pain. . . .I'd hate to know what I'd feel like if I didn't take it. : ( I also have arthritis in my left thumb (being left-handed and a teacher for almost 30 years didn't help that situation). The Dr. who diagnosed it asked if I wanted to have shots in it for the pain. Those didn't work in my knees and were painful, so I passed. Just know there are others out there with similar situations as you, and we're here to talk and listen. I find that it's basically a day-to-day situation. There are good fays and there are bad. I also try to exercise at least 3 days/week. The only exercise that I find that helps me is the warm swimming pool at my local rehab center. I hope you can find some positive insight with any of this. Good luck! : )View Thread
It's me again. I imagine you would like to hear from someone else, but having gone thru it 7 1/2 months ago (and going thru it again in 2 months) - - I still can relate. I'll begin by stating something that my doctor & nurse have said repeatedly: EVERYONE is different, and goes thru it at different paces. Also, it will take an entire YEAR before you start to feel normal again. Are you actually having intense pain in your "new" knee, or is it a great amount of stiffness & sweeling that's causing the pain? The reason I ask is because I had SUCH intense pain in both knees before the first surgery, that now I tell people that there is a big difference between the intense pain in the "old" knee and the swelling & stiffness (pain) in my "new" knee. 5 weeks is still rather "new" for a surgery such as ours. I wasn't sleeping well at night then, either. I found that I couldn't take pain pills too late in the day and sleep at night. I think that I had written before that I took a sleeping pill at night (provided after surgery by my surgeon), used a "knee pillow", and eventually I didn't need either. I started out immediately after surgery going to the rehab center, and will do the same in May. The last few weeks of my rehab I asked to have water therapy, and continue this form of exercise now. The warm water is WONDERFUL! As always, I hope any of my advice/experience will help some. Keep exercising, moving, and above all: ICING. : )View Thread
Just so you won't feel alone, the first couple times that I went back to my doctor, I was asked if I needed my pain meds refilled. I didn't need my pain meds refilled, but I still needed help with my sleep meds. I, too, had a rough time sleeping. Hopefully, you'll be similar to me and eventually your leg will settle down. I bought a couple of "knee pillows" that you can attach around your knee (using velcro) and that REALLY helped. I couldn't lie on my side with my knees touching for a long time. One day at a time. ; )View Thread
A CPM machine - Continuous Passive Motion - was used by myself and other TKR patients immediately after surgery and for the next 3 weeks to not only prevent blood clots but to help (along with physical therapy 3 times a week) with range of motion. It has an attachment that you control by starting off with it actually moving your knee "continuously" for 6 hours per/day. I think I started off with an angle of 60 degrees, and then increased it daily by 5 degrees. Once you hit 100 degees -for me - it really got uncomfortable. BUT. . .and I can't emphasize enough . . you stick with the increments until about 125 degrees (if I remember correctly). Your doctor/therapist will help you along and will give you your own individual directions. I can't imagine myself having the revovery that I have had WITHOUT using the CPM machine. Hope that I could help with my experiences. Good Luck! : )View Thread
I had a TKR on my right knee on August 7th, 2012, and will have the other TKR (left knee) on May 28th, 2013. I used a CPM (Continuous Passive Motion) machine . . .and will again. It was one of the HARDEST part of my after surgery/recovery - - -but what helped me to regain the range of motion in my knee quicker. Believe me, 6 hours EVERY day for 21 CONTINUOUS days immediately after surgery was "rough" to say the least. . . but, for me, it's a must. Hope my experience and suggestions help. : ) Good luck with your recovery. [P.S. Let "patience" and "ice packs" be your friends!> ; DView Thread
I am a 56 year old retired teacher. I had a TKR on my right knee last August 7th, 2012. I'm scheduled to have the left TKR on May 28th of this year, 2013. Both of my knees were also so bad that my surgeon let me decide which to have replaced first. There was no discussion on having both done at once. I can see the benefit of having them both done at once. Even though it's been almost 5 months, I'm having to do all of my exercises in the rehabilitation pool. I can't do anymore "land exercises" because my "bad" knee can't take the pain involved. The water takes alot of the weight off of it. Also, there's a treadmill in the water that I can use, where I could NEVER use one on the land. Even though my "new" knee is still a little stiff and sore, there is a HUGE difference between having a stiff & sore knee that is getting better, and the constant pain in the "bad" knee that is only continually getting worse. At least now I know what to expect in May. Good luck to all!View Thread
I had a total TKR on my right knee almost 2 months ago. I have a TKR scheduled for May 28th, 2013 on my left knee. As janetsg commented in her post, I also put my surgery off for over a decade. I, like you, and most everyone else with severe OA, started out with: (1)cortisone shots; (2) scopes of both knees(the rt. one twice); eventually (3)supartz shots (similar to synvisc);none of the above worked, which finally led to TKR. Both knees were SO bad, that my surgeon let me decide which one to have surgery on first.
To build up my body (and my mental state), I joined a Healthy Steps/Silver Sneakers at my local rehab center. I mostly swim, since I haven't been able to walk, sit, drive, etc. in any kind of normal fashion in YEARS.
Regarding my surgery, I am progressing very well. The main word to keep in mind: patience. You must, must, MUST go religiously to your therapy, and work as hard as you can both there and at home on your own. I'm a retired school teacher, so I don't have to worry about going back to work. There would be a whole new scenario if I thought I had only a small amount of time to recup. My physical therapist told me last week that a TKR attends 3 months of pt 3 times/week. I have land pt twice/week and water therapy once/week.
I think/know that the main reason I feel positive about my entire situation is the fact that I trust and respect ALL of the medical team that is taking care of me. From my much respected, acclaimed, and just a great Christian surgeon(someone that I really wanted in the OR with me); to his staff; to the surgical hospital & staff; all the way to all of the staff at the rehab.
As was also mentioned in a previous post, you start out with a walker, progress to a cane,and then eventually . . .you're walking . . .slowly . . .on your on. Every little advancement is a HUGE milestone (believe me, I felt how a little child feels when I was finally able to pack away my portable potty and use my own bathroom facilities - - -including the shower!) ; D
There is A LOT to take into consideration, and everyone has to choose and make their own decision. I hope that I helped in some way, and if there is anything that I can help with (just from my own experience), let me know.
Good luck and I'll keep you in my prayers.
Paula (also known as pgt1956)View Thread
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Venue Details & Map
- Address
130 Richmond HillRichmond HillRichmond Upon ThamesTW10 6RN
- Telephone:
- +44 (0)20 8948 2329
- Public transport:
- Richmond, Underground
Ive been here twice and both times with kids during the day.
Considering the area it is in its very friendly and laid back . The food is fine. The service is great . We were in here on a Sunday and the roasts were on the menu and male really wanted a steak. The barman checked with the kitchen and they made steak. The park across the road is a beautiful view but inside is a traditional looking...more
This is the closest pub to the hotel I was staying at. And as they say "when in Rome..." so I had to check it out. I had a pint, a meat pie, and some potatoes. All in all a decent, hearty meal. I'm not as much for British food but this was decent.
Funny enough I learn later on their menu is quite similar, if not exactly the same, to some other pubs elsewhere. Now I still haven't figured...more
I LOVE the Roebuck. Situated on top of Richmond Hill with a prime spot overlooking England's only legally-protected view, this is Surrey supping at its finest.
In front of the Roebuck, there is a long line of benches that plays host to a thousand bottoms in the summertime, as people flock to enjoy a nice drink and take in one of the best views in England - a claim that isn't banded around...more
Living in Richmond you sometimes forget how beautiful it can be. So to remind yourself you can't go wrong with taking a walk up the hill to take in the views at The Roebuck.
I can't review the drinks, or the food, or the pub itself because they don't matter. You don't go to this pub for those things. You go for the stunning views across the river Thames, Twickenham Petersham and Ham.
And the...more
The Roebuck has a few, important things going for it, which make it an extremely worthwhile cause to visit this pub.
First of all, the location - it is situated on top of Richmond Hill, away from the hectic crowds of Richmond. To get here by foot from Richmond is a little bit of an uphill trek, but it is worth it. Or, if you are having an afternoon stroll around Richmond Park, this is located...more


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The Executive Director/Deputy Chief Acquisition Officer, Office of Acquisition Operations, oversees operations of a Central Office staff and Office of Acquisition Operations field activities. The Office of Acquisition Operations provides comprehensive, strategic acquisition support for VA's highly complex requirements, including strategic Information Technology and medical systems.
The Executive Director/Deputy Chief Acquisition Officer, Office of Acquisition Operations, also recommends policies, plans, and strategies for VA-wide application on contract administration, acquisition planning, procurement, and contract administration in connection with acquiring supplies, equipment and services required for the provision of benefits and medical care to the nation's Veterans. The Office of Acquisition Operations' primary focus is to provide customers value-added acquisition business solutions.
Major Business Lines:


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What is the best way to obtain tourist visa to Cambodia. I am a US citizen. Thank you.
I´m going to Siem Reap in mid November and I´m, of course, going to see the Temples of Angkor. I will stay in a hotel in Seim Reap.
I don´t like participating in group tours, I prefer to discover new places on my own so I can take my time.
And I´ve read a lot and I would like to discover the temple area on a bicyle. Is it possible to hire a bicyle and do it on my own? Is it safe and easy?
How long time will it take fron Siem Reap to Angkor Wat by bicyle and is it easy to navigate?
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VIDEO: Soldiers welcomed home at ceremony
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VIDEO: Soldiers welcomed home at ceremony
After serving for nine months in Afghanistan, Wappingers Falls resident Master Sgt. Henry Mack said he plans to retire from the military and return to his job as a signal systems supervisor for New
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Teleport from Freedom Harbor
So far one of the only ways we know of to gain coins (the only money traded between players and used to make a guild). You talk to the npc named Meid. You take a quest to turn in game tokens you get from the carnival. You can only turn in once a character, but you get another quest every 5 levels with more game token required and more coins received.
NOTE: I really should put in screenshots to make it less text heavy, I will once i get some
Event 1: The Poison Room
A simple mini-game where you cross a room without dying to the poison filling the room.
Before you start, talk to the npc in the corner close to where you start. This is important so that you take the quest for the event. If you don't, you won't get the exp and game tokens.
How to play:
So the only way to cross the room is staying on and following a blue healing ring that moves on its own. Basically you just follow it as it heals you from the poison damage.
If you lag too much to stay on the circle, you can have a male carry you (embrace option when you right click the selected player's portrait).
After you get to the end, there will be another npc. Talk to this npc to complete the quest and get the exp and game tokens
Event 2: Simon Says Hit The Strawman
This mini-game is a bit weird at first, but once you do it, it's generally simple. There are 6 strawmen placed in the room. Each are numbered 1,2,3. So there are 3 strawmen that you attack and 3 that the npc attacks. So if the npc directs you to attack what he attacks and he attacks strawman #2 on his side. Then you attack strawman #2 on the otherside of the room.
How to play:
First you talk to the npc in the room. The person who talks to the npc is the only one who should be attacking the strawmen. He will tell you to prepare the "skill name". This skill is always your first mp costing attack (i.e. warrior uses bash)
He will then tell you the rule on what to do which could be any of the following:
"Do what I say."
Self explanatory
"Do what I say, and do what I do."
First only do what he does, not what he says. Sometimes he may not do anything so follow what he says then.
"Don't do what I say, but don't do nothing."
Attack any strawman that isn't the same as the one he is attacking
"Don't do what I say or do, but don't do nothing."
Attack any strawman he doesn't attack or say to attack (which means it could only be one strawman to attack)
WARNING: Make sure your first attack is the skill required, otherwise the npc will say you didn't do it right.
So you follow his rule for # times. When it ends, someone else talks to npc to start it again. This continues until 3 people of the party have done it (You can repeat the game with the same person)
- Put away your pets
Make sure you talk to the reward npc before heading to the next game
Event 3: Weighing Goblins: The Game…
Description: There are two colored circles. These are balances need to be the same weight as the npc says. The game consists of 10 successful rounds plus any failed rounds. Players will stand in the circle to add weight, kill goblins to take off weight, or leave it alone to keep the same weight(Players don't always have to be in both circles).
How to play:
- Dwarves weigh 1
- Humans/Elves/Kindreds weigh 2
- Stonemen weigh 3
- Goblins weigh 1
The npc will announce a number and goblins will spawn on both circles. In a limited time, just balance to that number with the players and goblins you have.
- Usually best to have certain people on one side and others on other side so there is less confusion on where to go
- Just have one person kill the goblins on each side so you don't accidently kill goblins you need
Make sure you talk to the reward npc before heading to the next game
Event 4: Collecting Antiques…
Description: You enter a large circular empty room with a npc in the middle. He starts to explain the "game". Basically you have limited time to gather as many antiques as you can. All you do to gather is click on the antique items that spawn randomly around the room and you take time to pick it up. The npc eventually will start chasing players. He is rather slow and only chases one at a time. He will say the name of the player he is chasing in chat. In the beginning and when someone is caught, bug mobs will spawn and automatically attack nearby players. This will interrupt your gathering, but will die in one hit from any attack. Also if he catches you, he can cast different debuffs on you including a slow that lasts around 20 seconds. There is also a root he casts to makes you sit in place for about 5 seconds.
- Its best to spread out so people can have room to grab the closest antiques without running into one another.
- Bring out your pet and place the pet attack on your hotkeys. Spam tab and the hotkey so your pet can do the killing while you continue to gather antiques safetly.
- Even if you are being chased by the npc, you can still grab antiques. You can make sharp turns when he starts heading towards you because the npc tends to go in a straight line to where you were. He then ends up pausing at where you were and he wastes less of your gathering time.
- This where I say to have at least 4 or more members because the less people there are, the less antique spawns. With 3 people there were barely any antiques for all of us


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Political objections to South Africa's apartheid policies, including a potential boycott of the 1986 Commonwealth Games and state of emergency in South Africa at the time, lay behind this decision. Managed by Clive Rowlands and coached by Mick Doyle the Lions squad of 21 players was the nearest thing to an official 1986 Lions team. Jonathan Davies and Bleddyn Bowen, both Wales, pulled out of the Lions squad due to injury and were replaced by Malcolm Dacey and John Rutherford.
The players were issued with Lions' blazers and ties and considered to be official British & Irish Lions. Rowlands and Doyle were joined on the selection panel by John Finlan (England), Iain MacGregor (Scotland, Willie John McBride (Ireland) and Arthur Lewis (Wales). The game was played at the National Ground, Cardiff Arms Park, on Wednesday, 16 April, 1986, and the Rest of the World XV was managed by Australia's Bob Templeton and coached by New Zealand's Brian Lochore.
Gavin Hastings (Scotland); Trevor Ringland (Ireland), Brendan Mullin (Ireland), John Devereux (Wales), Rory Underwood (England); John Rutherford (Scotland), Rob Jones (Wales); Jeff Whitefoot (Wales), Colin Deans (Scotland, captain), Des Fitzgerald (Ireland), Wade Dooley (England), Donal Lenihan (Ireland), John Jeffrey (Scotland), Nigel Carr (Ireland), John Beattie (Scotland)
Replacements Used: Iain Paxton (Scotland) for Dooley 30 mins; Malcolm Dacey (Wales) for Rutherford 38 mins
Replacements Unused: Michael Kiernan (Ireland), Richard Hill (England), Iain Milne (Scotland), Steve Brain (England)
Try: John Beattie
Pen: Gavin Hastings
Serge Blanco (France); Patrick Estève (France), Andy Slack (Australia, captain), Michael Lynagh (Australia), John Kirwan (New Zealand); Wayne Smith (New Zealand), Nick Farr-Jones (Australia); Topo Rodriguez (Australia), Tom Lawton (Australia), Gary Knight (New Zealand), Steve Cutler (Australia), Schalk Burger (South Africa), Murray Shaw ( New Zealand), Simon Poidevin ( Australia), Murray Mexted ( New Zealand)
Tries: Nick Farr-Jones, Simon Poidevin;
Cons: Michael Lynagh 2;
Pen: Michael Lynagh
R C Francis (New Zealand)


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New Employee at NPC
Jill Johnson
Director of Community Relations
November 6, 2013
The Board of Trustees at National Park Community College recently approved employment of the following:
Robert Chastain filled the position of Emergency Medical Services faculty and Program Director. He earned a Bachelor of Science Degree with a minor in History from Henderson State University. Mr. Chastain currently holds Instructor and Training Center Faculty certifications in EMT and Paramedic; American Heart Association Basic Life Support; Advanced Cardiac Life Support; Pediatric Advanced Life Support; Basic Trauma Life Support, Prehosptial Trauma Life Support; Pediatric Emergencies for Prehospital Providers; and Basic and Advanced Disaster Life Support. In addition, he maintains a Hazardous Materials Technician certification.
Mr. Chastain's previous work experience includes working with the Arkansas Fire Training Academy in the EMS Coordinator position, the AirEvac Lifeteam as Program Director/Flight Medic AE84, the Arkansas State University at Mountain Home as the EMS Technology Program Director, the Baxter Regional Medical Center as Paramedic, Training Center Faculty, and the Baptist Health Medical Center in Arkadelphia as Paramedic/Ambulance.
Robert Chastain


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We're delighted to announce that Worth1000 is joining DesignCrowd. DesignCrowd is a marketplace which connects individuals and businesses seeking design with the most creative people on the planet.Welcome aboard!
Don't know about Roombas? Take a look. And please view full for less compression nastiness.
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THePETEBOX creating Honda South Africa's music for their new Brand ad, an exciting collaboration with ThePeteBox and New Zealand based Animator, Ned Wenlock.
Animator: Ned Wenlock
Executive Creative Directors: Matt Ross, Grant Jacobsen
Creative Director: Sean Harrison
Copywriter: Matthew Berge
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I have tried a few of the Resynthesizers posted in the Plug-In Registry and have not had luck.
Which Resynthesizer works best with Windows 32bit and Gimp 2.6.11?
I got one version almost working (window popped up asking for parameters) before it crashed my system.
the version with Windows installer is apparently missing a .dll
Using Gimp 2.6.11 and Windows Vista 32bit.
I assumed that libintl-8.dll was already in the GIMP-2.6\bin\ folder. Maybe it is not there in some distributions. So you can put a copy of this dll into the folder.
I think I already made an Inno Setup installer for a plugin with a conditional install of this dll (in order not to delete the original one if present - for G'mic? not sure). I will look for my source and maybe update the Resynthesizer installer with a conditional install of this dll.
Done. I upload the new version. I added the line:
Source: bin\libintl-8.dll; DestDir: {pf}\GIMP-2.0\bin\; flags: onlyifdoesntexist
Should work. Enjoy.


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It's been a while since we've had a recipe-style article here, so today let's go over one of my favorites: how to make homemade yogurt. Yogurt is a great food- it gives you the same protein, calcium and magnesium that other sources of dairy do, but is more versatile and, in my opinion, better tasting than those. So let's get started! Estimated Time: 1 hour active, 7-12 inactive.
1) 1 Liter of milk. Any kind will do 2) Some plain yogurt
1) A basic kitchen, including an oven and refrigerator 2) A double boiler, to avoid burning the milk (these are easy to make, you can learn how to here) 3) A thermometer that goes to at least 200 F 4) A container larger than 1 Liter with a tight lid (several smaller containers will work as well). 5) A large wooden spoon for stirring
1) Put the double boiler onto a stove top element. Put the milk into the inner pot. 2) Using the thermometer to measure, heat the milk to 185 F. At this temperature the milk will begin to froth. 3) Turn off the heat, and allow the milk to cool to 110 F. Stir frequently to ensure uniform cooling. 4) Add 2 tablespoons of yogurt to the milk to serve as a starter. Stir thoroughly or use a blender to mix them together. This will help distribute bacteria throughout the milk. 5) Put the contents into the container and close the lid tightly. This begins the incubation phase, where the bacteria from the starter yogurt turns the milk. 6) Put the container into the oven with the pilot light on, keeping it as close to 100 F as possible. This is the ideal temperature range for bacteria growth. 7) Let the contents sit in the oven for 7-12 hrs. The longer it sits for, the thicker the texture and the tangier the taste the yogurt will have. 8) Store the yogurt in the fridge overnight before serving. It should be good for a few weeks. Use some of the yogurt as starter and begin the process again.
Yogurt tastes great when combined with sweet foods. Some ideas:
- Berries: blueberries, raspberries, strawberries and black berries all taste gooooood.
- Other fruit: Apples, peaches, bananas, oranges, etc.
- Chocolate
- Maple syrup (Mmmm!!!!)
- Honey
Yogurt is easy to make, and tastes great. I hope you enjoy! FOR RELATED ARTICLES, CHECK OUT: HOW TO MAKE HOMEMADE COTTAGE CHEESE HOW TO MAKE CHEDDAR CHEESE HOW TO MAKE FETA CHEESE HOW TO MAKE MOZZERELLA HOW TO MAKE GOAT CHEESE
HOW TO MAKE BUTTER Good luck and stay prepared!


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Pet Friendly Hotels in Seaside
Displaying 2 Hotels in Seaside
More IHG Pet Friendly Hotels in Seaside, Oregon, United States
Holiday Inn Express & Suites Seaside-Convention Center
You can relax and stay connected at our affordable Seaside, OR hotel. We pride ourselves on providing exemplary service and welcoming decor to ensure a stress-free stay that feels just like home
4.2 /5 (285 reviews)
34 North Holladay Drive, Seaside, OR 97138, United States
Hotel Reservations : 1 877 424 2449 | Hotel Front Desk : 1-503-7178000
Holiday Inn Express & Suites Astoria
Experience historic Astoria and the grand Columbia River's majestic beauty while staying at our hotel. In Astoria, Oregon guests love our panoramic waterfront views, free Wi-Fi access and indoor pool.
4.9 /5 (504 reviews)
204 West Marine Drive, Astoria, OR 97103, United States
Hotel Reservations : 1 877 424 2449 | Hotel Front Desk : 1-503-3256222


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Viewing convention Program information from 2006
Session Details
Thursday, 28 December
161. The Lives of the Poets
10:15–11:30 a.m., Grand Ballroom Salon J, Philadelphia Marriott
A special session
Presiding: Langdon Hammer, Yale Univ.
1. "A Turtle without a Shell: Artfulness and Allusion in Robert Lowell's Letters," Saskia Hamilton, Barnard Coll.
2. "Amy Clampitt's Baptism by Light," Willard L. Spiegelman, Southern Methodist Univ.
3. "James Merrill: The Biographical Container," Langdon Hammer
4. "The Footprint in the Dust: A. R. Ammons and Elbert," Roger Gilbert, Cornell Univ.
No comments have been posted for this session.
|© 2015 Modern Language Association.


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Bosnia and Herzegovina [1][print]
Last edited: December 2005
Summary and Analysis
The UN Convention on the Rights of the Child (CRC) is directly included in the Bosnian-Herzegovinian Constitution. It entered into force 6/03/92. The Bosnian Constitution states that the rights and freedoms set forth in the European Convention for the Protection of Human Rights and Fundamental Freedoms and its Protocols shall apply directly in Bosnia and Herzegovina. These shall have priority over all other law. Annex II to the Constitution adds other international agreements to apply directly and includes the CRC among this group.
In other recent Bosnia-Herzegovinian laws, the child has a right to express his or her opinion, and to ask for the protection of his or her rights in front of public bodies. In child protection cases, the child has a right to a special guardian in cases mentioned in this law, and that this guardian is named by the guardianship authority or the court. The guardian should consult the child in his or her care regarding any matter that the child is capable of understanding, though the law appears unclear in defining this duty. Bosnia's child protection laws are currently in development, the most recentthe Family Law 2005being passed into effect 12/21/2005. The Law on Protection from Family Violence was also passed in 2005.
When the guardianship over a child ceases (for reasons of adulthood, marriage, etc.) the guardianship authority continues to give social and other kinds of protection to the individual.
Much of the Bosnian child protective system revolves around an organ starateljstva or Guardianship Body, which in Bosnia is known as the Centre for Social Work. It is responsible for a range of protective services, including initiation of removal and termination of parental rights. In proceedings related to custody over a child, the Centre for Social Work is required to protect the interests of the child in the proceedings, and, at the request of the court, provide all important information related to making a custody decision. The Centre for Social Work also has the power to appoint and dismiss guardians.
Sources of Law (In Order of Authority)
Original Text
International Law[2]
Ustav Bosne i Hercegovine (1995)
Članak II: Ljudska prava i temeljne slobode[3]
2. Međunarodni standardi
U Bosni i Hercegovini izravno se primjenjuju prava i slobode garantirani Europskom konvencijom za zatitu ljudskih prava i temeljnih sloboda kao i njezinim protokolima. Ovi akti imaju prioritet nad svim drugim zakonima.
6. Provedba
Bosna i Hercegovina, i svi sudovi, uredi, dravni organi, i tijela kojima posredno rukovode entiteti ili koja djeluju unutar entiteta, primjenjivat će i potivati ljudska prava i temeljne slobode navedene u stavku 2.
Aneks I; Dodatni sporazumi o ljudskim pravima koji će se primjenjivati u Bosni i Hercegovini[4]
12. Konvencija o pravima djeteta (1989)
Zakon o zastiti od nasilja u porodici[5]
Član 18.
Podnoenje zahtjeva za izricanje zatitnih mjera. Zatitne mjere mogu se izreći na zahtjev osobe izloene nasilju, odnosno njezinog opunomoćnika, ili na zahtjev policije, tuilatva, organa starateljstva, vladinih i nevladinih organizacija ili po slubenoj dunosti.
Prodicni Zakon: Federacije Bosne i Hercegovina[6]
Clan. 125
(1) Dijete ima pravo na izraanje i uvaavanje vlastitoga misljenja u skladu sa njegovim.
(2) Pravo je djeteta da trai zatitu svojih prava pred nadlenim organom.
(3) Dijete ima pravo na posebnog straratelja u slucajevima odredenim ovim Zakanom.
Posebnog straratelja imenuje organ stratereljstva. U slucajevima u kojima je za zatitu prava dijeta nadlean oran strareljstva, posebnog straratelja imenuje sud.
International Law
United Nations Convention on the Rights of the Child.
Article 12.
1. States Parties shall assure to the child who is capable of forming his or her own views the right to express those views freely in all matters affecting the child, the views of the child being given due weight in accordance with the age and maturity of the child.
For this purpose, the child shall in particular be provided the opportunity to be heard in any judicial and administrative proceedings affecting the child, either directly, or through a representative or an appropriate body, in a manner consistent with the procedural rules of national law.
The Constitution of Bosnia and Herzegovina[8] (1995)
Article II: Human Rights and Fundamental Freedoms.
Paragraph 2:
International Standards. The rights and freedoms set forth in the European Convention for the Protection of Human Rights and Fundamental Freedoms and its Protocols shall apply directly in Bosnia and Herzegovina. These shall have priority over all other law.
Paragraph 6:
Implementation. Bosnia and Herzegovina, and all courts, agencies, governmental organs, and instrumentalities operated by or within the Entities, shall apply and conform to the human rights and fundamental freedoms referred to in paragraph 2 above.
Annex I: Additional Human Rights Agreements To Be Applied In Bosnia And Herzegovina[9]
1989 Convention on the Rights of the Child
Law on Protection from Family Violence (2/2/05)[10]
Article 18. Submission of a demand for protective measures (regarding abuse within the family)
Protective measures may be ordered at the demand of the person exposed to violence, or their legal representative, or at the demand of the police, the prosecution, the organ of care (guardianship authority), governmental or non-governmental organizations or according to official duty.
Family Law of the Bosnian Federation (3/5/05)[11]
Article 125. The child has a right to express its opinion, to ask for the protection of his/her rights in front of public bodies, has a right to a special guardian in cases mentioned in this law, and that this guardian is named by the organ of care (guardianship authority) or the court.
Local Contact Information
Ms. Madeleine Rees
Chief of Mission
High Commission for Human Rights of Bosnia Herzegovina
OHCHR BiH
Kolodvorska 6
71000 Sarajevo
Tel: (387) 33 230 107 & 108
Fax: (387) 33 230 109
Additional Resources and Links
Bosnian Child-Related NGOs
CRC 1999 State Report
CRC NGO Report
[1] This page is available here, and also as .pdf Document, and also as Word Document.
[2]Despite our efforts, we were unable to locate the text of Article 12 of the UN Convention on the Rights of the Child in Bosnian; it appears to be unavailable.
[3]BiH Constitution (1995), Article II. available at http://www.ustavnisud.ba/hrv/article.php?pid=531&kat=418&pkat=400 and also as .pdf Document.
[4]BiH Constitution (1995), Annex 1. available at: http://www.ustavnisud.ba/hrv/article.php?pid=553&kat=418&pkat=400, and also as .pdf Document.
[5]Law on Protection from Family Violence, available here, and also as .pdf Document, and also as Word Document.
[6]Family Law, available as .pdf Document.
[7]Unofficial translation by Ratko Jovic and Nebojsa Milanovic
[8]An unoffical translation similar to the one used below can be found at: http://www.fuhem.es/portal/areas/paz/mediterraneo/constituciones4/Bosnia-Herz.htm
[9]Bosnia and Herzegovina Constitution Article II: (unofficial translation: Nebojsa Milanovic), available here, and also as .pdf Document, and also as Word Document; official version available at http://www.ustavnisud.ba/eng/p_stream.php?kat=518, and also as .pdf Document.
[10]Law on Protection from Family Violence. (Unofficial Translation: Ratko Jovic).
[11]Family Law of the Bosnian Federation. (Unofficial Translation: Ratko Jovic), available here, and also as .pdf Document, and also as Word Document.
Representing Children Worldwide | Copyright 2005 Yale Law School |All Rights Reserved


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Semi-Obligatory 9/11 Post
If you came here to check in, just let me say, "Hey, I'm great." Aside from having a cold, that is. I had a great time on this year's vacation in Alaska.
I learned something about myself, too.
As I was sitting on a ridge watching and photographing a sunset that would last for the next couple of hours, I thought to myself how fortunate that I was that I had a job that would allow me the freedom to enjoy moments like this every now and again.
Anchors like jobs don't "allow freedom." Jobs give you an opportunity to make money, which you can exchange for goods and services.
Can you say "Stockholm Syndrome?"
Freedom is what you sacrifice to take a job.
This is something I'm contemplating today, when I hear a lot of hollow talk about "the price of freedom" that we pay as citizens, or that we ask of others to pay on our behalf.
And I can't get around the idea that freedom and security are at self-devouring ends of a bitter cycle.


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At the end of a game in the summer of 2005, Mike Wallace — known in the Washington Nationals clubhouse he manages, then and now, only as "Wally" — would finish the duties that faced him every night, laundry and the like. He would return to his office deep underneath RFK Stadium. There, finally, he would climb onto an inflatable mattress, and go to bed.
"That was life," Wallace said. "That's what made sense then, because we didn't know what was going to happen."


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I am excited about owning my own house and I look forward to building a strong relationship with you as a lender. You seem to have the ability to cover the delinquent accounts and are current on the rest. Whatever your past credit problem may have been, it is important sample letter to lender explaining delinquent debt to have a plan for correcting it in the future. The most common explanations for a defined period of late payments are divorce, illness, personal tragedy, job loss. That amount was removed from my bill the following month.
Your second and third letters should be composed with firm, demanding language reminding the credit bureau of your loss if this matter is not resolved. With an unsecured line of credit, your money unsecured line of credit is easily accessible when you need. I should have balanced my payments sample letter to lender explaining delinquent debt so that nothing else suffered. An A credit loan is a loan with a good credit rating.
A charged off account is a loan that has been determined by the credit grantor to be uncollectible. Negotiate with creditors and gain their cooperation. He's not a friend or family member who you want to help out; he's an unfamiliar person with whom you are potentially getting into a serious business deal.
Speedy cash payday loan store speedy cash payday loans don t wait till it s too late. Since the bankruptcy discharges debt, the credit reporting company cannot show the payment history on the credit report for the loans that were discharged. The best credit explanation will provide the underwriter with the confidence to believe that the situation was beyond your control. Real Property-Land and anything permanently affixed to the land, such as fences, buildings, and those things attached to the buildings, such as light fixtures or plumbing. It looks like collection account No.1 is getting pretty old. I tried to help him meet some of those expenses, and missed one or my own as a result.
At this time I moved in with a friend at 123 Hamilton Ave. The major collection debt (over $1,000) we have is anywhere from 5 years to 6 years old and combines old medical bills and credit card bills. The credit bureaus convict without proof; but when pressed, they will exonerate without proof. You have probably seen the TV and newspaper ads for mortgage companies claiming that they can approve your loan "no matter" what type of credit you have. Bear in mind that you don't know his background.
Any time a borrower has had a foreclosure, the underwriter will closely examine the reason, the borrower's ability to pay his rent, the amount of the mortgage payment in comparison to the rent, and the time between the foreclosure and the purchase of a home. Often, it is easier to make contact with a customer service representative who is willing to listen to the situation causing the late payments. I am writing under the provisions of the Fair Credit Reporting Act 15 USC Section 1681 to dispute the following information in my file. Fannie Mae, Freddie Mac, FHA, and VA require a minimum of 2 years of clear credit from the date that the bankruptcy is discharged before a new mortgage can be approved. I brought my account up to date shortly thereafter and have paid this bill on time each month ever since. A written request for certification of loan or copies of canceled checks for the previous 12 months can also serve as proof of payment history.
In 2005 I received a note from a former roommate at Lock Haven that contained unopened mail that she kept for me. Keep a copy of the letter from the creditor for future reference. These are duplicate items on the credit report. If you are making plans to apply for a mortgage loan, the first item of business will be to get a copy of your credit report. Frequently confused with the date that the person filed for bankruptcy, "discharge" actually refers to the date the creditor was absolved of liabilities listed on the bankruptcy. Each of the payments I made in the following months was logged as 30 days late.
In January 2002 there was a charge that appeared on my credit card bill that I did not authorize. I know that paying my bills is important for my future and for the future of my family. Do so and your goal of buying a home with a decent mortgage is a real possibility. Real estate buyer agents can offer proactive help with this process. Proof can be in the form of canceled checks, receipts, statements, etc. It is important that you take the time to document this information in a well written letter which should be reviewed by your loan officer.
I can help you develop a sensible plan to reach your goal of home ownership. Results of find condos for sale in west palm beach. The Fair Credit Reporting Act stipulates that this type of negative data will drop off a credit report after seven years from either the date of last payment or the date the account went into default, whichever happened first. Mortgage centre provides ontario mortgages for single mothers ontario canada mortgage broker services.
Yes, the lender will be looking at other factors, too, such as your income and length of employment, but those delinquent debts have got to go. Perhaps a vehicle has been repossessed by the lender because of lack of payment. So if you incur a debt, such as a student texas divorce and student loans loan, while you re single, and then get. Mortgage loans can be approved for certain borrowers who have not yet reached the 2-year mark.
Your letter should clearly identify your complete name, current address, social security number, and the items on your credit report which you wish to dispute. In some cases you will not have the time to contact the credit bureau to have the item on your credit report corrected or deleted. Iv whether a person should be required sample advance payment letter aggrement for lot under section to pay the. I assume that you meant getting those FICO numbers up, not down, as higher credit scores indicate less risk to the lender. When diving into my credit report, my Realtor mentioned that collection accounts on my records would prevent me from getting a loan.
Chapter 11-A Chapter 11proceeding is a form of reorganization of debts. In a judgment there is no credit record of a late or sloppy payment history. In this current economic environment, most financial institutions are looking for borrowers to have scores that are at least in the 700 range.
If you have otherwise been a responsible bill-payer, you should let prospective creditors know the circumstances leading to your bankruptcy. As for credit counseling, know that opinions vary about how debt repayment plans are perceived. Erica previously was affiliated with Consumer Credit Counseling Service and was KRON-TV's on-air credit expert. Your letter should state the facts of your dispute and sample letter to lender explaining delinquent debt request the deletion or correction of the items.
Send the letter via certified mail, just to be safe, because we all know that sometimes mail gets lost. Working directly with the mortgage credit reporting service is more personal than typical disputes with the credit bureau or creditor. Having the creditor agree to remove the delinquency, in writing, is the best way to permanently remove the item. Credit bureaus will delay your appeal if you fail to include identification with your letter. They did not agree and in the end I paid the $325 bill to restore my credit and then I cancelled my account with them. May can i see a sample letter to lender explaining delinquent debt.
US LEC was charging me for services associated sample letter to lender explaining delinquent debt with my web services that I did not use. By knowing your rights, you can turn the unfairness sample letter to lender explaining delinquent debt of the credit reporting system against itself. Issue a 100-word statement to each credit bureau to be included in your file showing. Insperity s expensable solution makes tracking business expense reports and reporting expenses easier. So, since you say you're likely a couple of years away from purchasing a home, that debt would probably be deleted from your reports and not factored into your credit scores by that time anyway, whether you pay it or not. Although there are many reasons a borrower may not have established credit, the most prevalent is the young person or newlywed.
Most of these lenders are known as equity lenders. You will have to be willing to spend time to resolve the credit issues that will affect your loan application. In the end, though, it doesn't look like you need it.
They solicit business from mortgage companies and have a vested interest in providing excellent service to the mortgage company and their borrowers. The credit report will only list the name of the creditors who were included in the bankruptcy. Another term for these lenders is "B, C, D lenders," referring to the credit rating of the borrower.
As you are beginning to think about your letter of explanation, you should put together a chronology of events which occurred at the time of any credit problem. From a period of March through May 2003 I made large payments to bring my student loan up to date (see above) and I was short of funds as a result. Be sure they report the loan (card) to the credit bureau for your record.
A borrower has a good chance for approval if at least 12 months have passed since the repossession and a good explanation can be provided. I caught up as soon as it was brought to my attention. Bank of america offers the facts about 2.5 fixed refinance mortgage refinance so you can make. So, Mike, by taking care of those collection accounts, whittling other balances down and maintaining a perfect payment pattern, your credit scores and history will be far more attractive to banks than they are today.
Sure, he may have experienced some medical issues that resulted in high and unpayable hospital bills, but all you can see are a couple of unsatisfied balances. The important thing to remember is that the judgment must be paid in full before a loan can be approved. If the bankrupt borrower has not reestablished credit after the bankruptcy, it will be necessary sample letter to lender explaining delinquent debt to use alternative forms of credit which can be noted under the "No Credit" heading. The borrower should exhibit the ability to manage finances for the past 12 to 24 months.
The concern is only for explaining the reasons for the judgment. You will need to reference the return receipt when contacting the credit bureau concerning their timeliness in correcting items.
Credit and Finance
Russ Wermers
University of Maryland
I immediately sent them $1,000 and additional monies in the following months.
Charge off and collection accounts must be paid in full to a zero balance prior to approval for a mortgage loan. The bank keeps the money so that there is no risk. Also, it is important to show that the person has exhibited the ability to maintain good credit with the exception of this period of time. Open a savings account then ask the bank for a secured credit card loan against the money. Send a letter to the collection agency stating what you are going to do and that you expect them to update sample letter to lender explaining delinquent debt your credit files with the accurate "zero balance due" in their next reporting period. It is best if there are no blemishes in the most recent 12 months; although, exceptions can be made. It is easier to explain a judgment than to explain multiple late payments.
Having items corrected and removed from your credit report requires the consumer to be persistent in challenging the credit bureaus to document their information. Our policy has been to maintain a very aggressive view of credit and most importantly to listen to the borrowers explanation of credit problems so that we are in a better position to assist in getting the loan. How to get the one thats actually free, Know your rights. For some lenders, its a nonissue, but others take a more pessimistic stance.
I appreciate the opportunity to share information about the circumstances leading to some entries on my credit report. The key to this type of bad credit lies in showing the underwriter that the situation was beyond the borrowers control and the event was isolated. It is easier to provide the mortgage company or their mortgage credit reporting service with the proof that the items appearing on your credit report are not accurate. You should consider both personal and business aspects of your life when compiling your chronology. These charges were attached to legitimate charges and when I became aware of the fact that I had already paid for these services for two years I tried to persuade them that it was unfair to charge me for services I did not use.
If you pay it off now, your scores would increase, as a satisfied balance is always better than a delinquent one.
When I moved in September 2002 I inadvertently missed a payment on my student loan. Discipline yourself to make cutbacks to develop a realistic budget; and most importantly, stick to it. And based on his reports, he didnt repay his loans -- not just once, but at least twice.
An underwriter will view a repossession and a judgment with the same severity. This letter is a very important part of your file. Create two lists-monthly income and monthly expenses. I will explain the problems which can be corrected and the ones which cant.
Be sure that he includes the following components for each entry and issue the following advice. Credit bureaus and creditors are very sloppy at verifying their information and often will prefer to restore the credit rather than to prove its bad.
Be sure to include with your dispute letter some form of identification-a copy of a bill or a copy of your drivers license. For the past few months, I have been focusing on getting my score down. It is important that your loan officer has experience in dealing with credit problems.


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Tuesday Links
Top iPhone and Technology Related Stories from across the web
Strong sales of the iPhone 4S are putting renewed pressure on Android to innovate. Ubuntu for Android could give the platform a key capability iPhone is still missing. Android's new ally against the iPhone: Ubuntu
Apple's forthcoming iPhone version is making headlines long before it is launched or even before a formal launch schedule. iPhone 5 expected with NFC capability, A5X CPU
Top 10 free and paid apps for the iPhone and iPad in Canada for the week ending April 29. 'Angry Birds Space' top paid iPhone app in Canada
Frommer's, the market leader in travel guides, and Inkling, the creator of the standard for interactive digital publishing, announced immediate availability of the first-ever truly interactive guides for iPhone and iPad. Frommer's for iPad and iPhone Marries Trusted Expertise with Ultraportable Convenience
In today's world of touchscreens, each generation has gotten better but they all seem to be magnets for fingerprints and smudges. iPhone tools get fingerprints, get loud and get you charged up
With iPhone 5 on the way the critics are in overdrive, but they can say what they like about Apple and its so-called 'walled garden', those who live there feel they're getting properly looked after, which is why so many race to grab each new Apple product. Satisfaction: Why happy Apple users will buy the iPhone 5
A video making its way around the Web shows an imagined security measure against someone stealing your iPhone: Siri just blows it up. What if Siri just blew up your iPhone?
A new photography app for iPhone, iPad and iPod touch has launched, with the aim of revolutionising time-lapse photography on your DSLR camera. New iPhone app triggers your DSLR camera, enhances time-lapse skills
I'm all for an app that does away with those pesky passwords so I was quick to shell out 99 cents to put the newly released FaceVault facial recognition app on my iPhone. Face-recognition photo lock for your iPhone
The iPhone 4S has arguably the best camera fitted on a smartphone in the market right now. And with the App Store boasting a plethora of high quality apps with amazing filters, there is no question why the iPhone ranks among the top cameras used on photo-sharing website Flickr. iPhone 4S Camera Shoots 60fps At 720p Thanks To New App!
Categorized as: Daily Links


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A Bicycle Built for 16. {Video}
"The most fun you can have while pretending to exercise."
Tandems are so last year, the HandleBar is where it's at!
This 16 person party bike designed in the bike loving country of Holland has made its way to Colorado, and this Friday we're taking this baby for a spin through downtown Boulder.
One person steers the craft, while the rest of the team stomps the pedals.
It's eco-friendly, it community building and most of all, it's smile inducing for everyone involved.
Like elephant adventure on Facebook.
Incorrect source, offensive, or found a typo? Email us (please put title in subject bar of email so we'll be able to fix). Or do you want to write for Elephant?
{Waylon H. Lewis C Enterprises 2015: Use Rights in perpetuity. Ownership remains with author.}


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|Have You Played Atari Today?
|Home My Account View Cart
We're attending the Portland Retro Gaming Expo the weekend of October 17th and 18th, and as a result, any orders placed at this time will be delayed until our return. Please keep this in mind if you have an urgent need for some new homebrew games! Orders will not start shipping again until the week of October 25th.
If you're in the Portland area, stop by the show and visit the AtariAge booth! We're releasing several new games, all of which will be available in the store after the show.
We've added boxes for several 2600 and 7800 games to the store! For each of these games, you can add the box as an option when ordering the game. These boxes are professionally printed and include a cardboard cartridge holder to keep the cartridge in place. They look great sitting on a shelf with your other boxed homebrew games, or alongside games from the classic Atari library. We only have a limited number of boxes for each game, and there is no guarantee they will become available again once our supplies are exhausted.
Box upgrades are available for the following games:
Everybody's favorite fabled frosty firefighter is back! But so are those pesky fireballs and they're hotter than ever! This year they've kidnapped Santa and some of his helpers, so it's up to you to put out the fireballs and rescue your friends from their fiery fate. Your first frosty adventure was just a warm-up - now there are all new levels to conquer and challenges to face! Fortunately, you've found some new magic in that old silk hat of yours. Can you stay frostier, fight your way to the fireballs' frigid fortress and freeze those fiendish flames?
After a seven year hiatus, the AtariAge Holiday Greeting Cart returns! We're proud to introduce Stay Frosty 2 as the 2014 AtariAge Holiday Cart. Stay Frosty 2 is arguably the most advanced platform game to ever grace the Atari 2600, taking advantage of our Melody cartridge platform to push the Atari 2600 to its limits. Stay Frosty 2 is the sequel to Stay Frosty, which appeared in Stella's Stocking, the 2007 AtariAge Holiday Cart. Stay Frosty 2 features 32 unique levels (and a total of 128 levels), new enemies and dangers, new power-ups, and many surprises!
In addition to Stay Frosty 2, we have a SECOND holiday-themed game this year! We're also introducing The Byte Before Christmas, a collection of four Christmas-themed games in one cartridge: Santa's Scabs, Christmas Adventure, Bell Hopper, and Naughty List. Do you have what it takes to save Christmas?
Also in the new lineup is THREE·S, an Atari 2600 conversion of the popular Threes! mobile puzzle game, written by veteran Atari 2600 programmer Thomas Jentzsch. THREE·S is an addictive tile-based puzzle game, and a must have on the 2600 if you enjoy games of this nature! The iOS version of THREES was just awarded Apple's 2014 Game of the Year.
For Atari 7800 fans, we have two new games: K.C. Munchkin, a port of the Odyssey 2 game that resulted in a lawsuit against Magnavox by Atari, and Astro Blaster, a port of the arcade game of the same name. Both of these new titles were programmed by Bob DeCreszenzo, who has a remarkable track record in producing games on the 7800.
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text: At the recent International CES in Las Vegas, Gaming Illustrated met with the folks from NVIDIA to discuss the upcoming new Tegra 4 chipset. If you aren't familiar with the technology the Tegra 3 is the much heralded chipset made popular in many Android-powered devices, such as the Google Nexus. We met up with Doug MacMillan, the Director of Marketing for Tegra, to discuss this powerful new chipset and if it really is a gamechanger in the world of mobile gaming.


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Adventures in Adulthood: Beginners' Ballet
For whatever reason, my parents didn't force me into activities when I was a kid. Of course, I'm happy they didn't because the entire concept seems miserable. Nonetheless, from time to time, I still get that "well what if I'd started playing piano when I was 5?" or "what if I had to read one book a week or no dessert?" feeling. Those are awful examples but like I said, I was never forced to do anything so I don't have any actual incidents to draw from, okay? If I ever have kids, by the way, they're going to be great.
So now, as an adult with a full time job, car insurance and health benefits (which I was VERY excited about), I've decided to try some of the things that I've "what if"-ed about throughout the years. Adventure #1 was learning ballet.
In preparation, I went through the process of finding a suitable dance studio – DanceColab in Burbank, CA (which is awesome!) and tracking down a place to buy a leotard and shoes. I was happy to see that there were other adults in the store before I realized that they all had small children with them. Small children who were just starting to take ballet classes. After a brief consideration of 'fight or flight', I decided to fight and/or stay there and shop for a leotard and shoes amongst girls who were probably seventeen or so years younger than me, give or take a year.
Obviously, this did not do much to deter suspicions that I might end up walking into a class where all of the girls were also seventeen years younger than me. Frankly, shopping around them is one thing, being an educational equal with them is another. Sorry, (tiny) ladies.
Luckily, the class ended up consisting of me, a wonderful teacher and four other adult women, one of whom was also a beginner. They welcomed me in with open – and perfectly posed – arms, and I've been going to class once a week for about four months now. And I don't want to brag but I'm not awful at it! Pretty good for someone who can barely get through a day without spilling something.


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Closet Design Del Mar
A Closet Design Del Mar Filled With Possibilities
Now, have your home and enjoy it too with a closet as your primary organizing tool. A storage solution essentially built around the things you need to put away, we will work with you to help create a Del Mar closet design that is functional but also complementary to your personal and life style.
Things, Meet Your Home
If you have "stuff anxiety", you are not alone. Many of our customers have so many beautiful things but no place to put them. With a Del Mar closet design, you'll have a place to put all your clothes, shoes, accessories, and more. With a number of different utilities for your various items, such as hanger space, bins, or shelves, we make sure that your closet suits precisely the needs of your items. Your things will be treated like royalty with a closet customized to fit their entire conglomerate.
Style Meets Functionality
The great thing about Del Mar closet design is that it is completely designed by you. With a huge number of different design schemes, color choices, layouts, and other options, you will be able to create a closet which fits precisely within your definition of style. When style meets functionality, you can't go wrong!
Welcome Home with Del Mar Closet Design
If you are ready to get your house in order, refresh your connection to the comfort of living, and making your house welcome again, then call today and we will get started creating your Del Mar closet design.


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Chia Recipes
Chia Green Smoothie
Prep time
10 minutes
Total Time
10 minutes
2 large or 4 small glasses
This delicious smoothie is packed with the nutritional goodness of Chia seeds, fruits and veggies.
1½ cup milk
½ cup pineapple or mango (chopped)
¼ cup yoghurt
1 – 2 tbsp honey
1 banana (chopped)
50g spinach and/or kale
2 tbsp green powder
1 tbsp black Chia seeds
1 tbsp Chia Oil (optional)
1 tbsp Chia Bran (optional)
Place all ingredients in a blender and blend on high for 1 – 2 minutes until well combined. To sweeten, add honey. Checks if more liquid is required and blend again. Serve immediately and sprinkle with Chia seeds. You can also refrigerate as needed, for up to 24 hours. Tip: Ice cubes may also be added and blended in with other ingredients.


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English Works explores what you can do with an English degree and how to tailor your skills and experiences to fit different job descriptions. This student-run organization has facilitated career fairs and job-search panels. This year it will help students master job-search skills (e.g., networking, interviewing) and explore the kinds of applied experiences valued by employers. For more information, please contact the faculty advisor: firstname.lastname@example.com or English Works president: Kerry Brooks
Upcoming Events
Join us for a speaker from the CDO describing internship opportunities and other resources.
Hope to see you there!
Stay tuned for more events and meetings!
Email English Advisor: email@example.com


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Dr. Fitzgerald is awesome! A lump in my breast was discovered and eventually removed by him. He was very friendly and calm throughout the entire process. He didn't even charge me for any follow-up appointments afterwards. I would recommend him to anyone!
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I got Dr. Fitzgerald by default in the emergency room. Hi attitude was impatient and arrogant. He was unwilling to discuss his planned method for removing my gallbladder other than the one word Laparoscopic. I was in a pinch, so had really no other choice but to take a leap of faith. Less than 3 months later I developed an incisional hernia. I called his office and was told that this was a separate issue and I would be charged another consultation fee. Less than THREE months later his work came apart and he would not even look at it or talk to me without more money?! Obviously this man cares more about the almighty dollar than his patient's well being. I am now paying someone else to repair it.
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He is the greatest and best id highly recommend him to anyone..
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Doctor and his staff were very helpful, knowledgeable and friendly. It was first surgery of any kind and was a good experience as possible.
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My consultation with this doctor in autumn 2007 was highly unsatisfctory, mainly because of what I consider to be his limited patient communication skills. His manner was condescending and arrogant, and while I have no way of assessing how knowledgeable he is in his field, he was unable or unwilling to provide the explanations I was seeking, and I therefore otained advice elsewhere. (Since I am required to check a rating for "Knowledge" I arbitrarily chose "3", although my limited experience with this doctor does not qualify me to make an assessment.)
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Veterans Job Fair Today
November 29, 2012 6:31 AM
(Las Vegas, NV) — A job fair is being held today for veterans and military spouses.
The U.S. Chamber of Commerce is co-sponsoring the event at the Las Vegas Motor Speedway from 11:00 AM until 3:00 PM.
Over two-dozen employers are expected to be on hand for the event.
You can get more details and register at www.recruitmilitary.com.


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Search text must be between 2 and 255 characters.
Jane Austen
During the month of June it is learned that Jane will stay two more months with the Bateses, and George grows to dislike Frank even more. In fact, Frank is on many minds: "While so many were devoting him to Emma, and Emma herself making him over to Harriet, Mr. Knightley began to suspect him of some inclination to trifle with Jane Fairfax." George has seen certain looks pass between Frank and Jane, and one evening during a group meeting at Hartfield Frank mentions news of Mr. Perry which Mrs. Weston says she did not write him because she did not know it until this very moment. Frank says he must have dreamed it, but it turns out that Miss Bates has known it as a secret. The "dream," however, is dropped as the group goes indoors and begins a word game, which George carefully observes. He notes that Frank puts before Jane a puzzle that leads to the word blunder and that another which spells Dixon so displeases her that she turns to Miss Bates for them to go. George remains behind with the idea of "trying to preserve" Emma, but Emma states emphatically that there is nothing between Frank and Jane, that "I can answer for its being so on his" side. "She spoke with a confidence which staggered, with a satisfaction which silenced, Mr. Knightley," who soon afterward takes a hasty leave.
Both the mystery of Frank and Jane and the observant sensibility of George are intensified in this chapter. The chapter is devoted almost entirely to plot action, but a parallel ironic development is worth noting: Just as the verbal irony of generalization in the preceding chapter has misled Emma, here her emphatic generalization about Frank misleads George. In both instances it is Emma's wording that causes misunderstanding, the damaging vagueness resulting from the conflict between the urge to communicate and the need for polite restraint.
Chapter IV
Chapter VI
Pop Quiz!


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Boston's No. 13 prospect struck out nine over six shutout innings -- extending his career-starting scoreless streak to 16 frames -- in the Class A Greenville Drive's 4-2 victory Wednesday afternoon over the host Lexington Legends.
"I was able to establish my fastball early and my curveball was good again, but the key was my changeup," said Barnes, who fanned two of his final three batters and estimated he threw 65 or 66 total pitches. "I hadn't used it much the last outings, and it's a pitch I'm going to need down the road. I wanted to implement it today to see how hitters were reacting to it."
Barnes (2-0) yielded three hits -- Matt Duffy's single in the second, Justin Gominsky's double in the fourth and Tyler Burnett's single in the fifth -- and plunked one batter, but the 19th overall draftee last June picked off one of the base runners and also induced two double plays.
"Everything," Barnes said, "has been working."
As a result, major success in the Minors is quickly becoming old hat for the former University of Connecticut standout. Barnes, the reigning South Atlantic League Pitcher of the Week, struck out nine Lakewood batters over five two-hit, scoreless frames in his pro debut on April 8. He followed that up with five one-hit, scoreless innings and seven K's in a no-decision opposite West Virginia on Friday.
One factor in his success: catcher and Draft classmate Blake Swihart, who has caught the starter's last two outings. Swihart, who is relatively new to full-time catching, was behind the plate for all nine innings and caught a runner attempting to steal to end the second.
"I hadn't thrown back-to-back curveballs all game and I didn't want to go fastball, so I got [Burnett] looking on a curveball, and Swihart stood up and made a great throw," Barnes said of his batterymate, who was selected seven spots after him, at 26th overall, last June. "I live with him on the road and at home, so we spend a lot of time together. He understands what I'm trying to do really well. I haven't seen him do one thing wrong behind the plate."
At the plate, Swihart kick-started the Drive's three-run rally against relievers Nathan Pettus (0-2) and Dayan Diaz in the top of the sixth. Lexington pitchers Jonas Dufek and Pettus had combined for five no-hit innings to match Barnes zero for zero, but Boston's No. 11 prospect started the sixth with a leadoff double to end the no-no and scored three batters later on Henry Ramos' line-drive, two-run single. Keury De La Cruz also produced an RBI single.
Swihart also singled and walked in five plate appearances, raising his batting average to .227 through 11 games.
"He's definitely made strides," Barnes said. "Pro ball is different than high school ball, but he's swinging well, and I'm excited to see where it takes him the rest of this season."
Greenville added its fourth run in the ninth, when David Renfroe lifted a leadoff homer. Renfroe, a right-handed hitting first baseman, now has three longballs in his first 11 games.
Lexington scored twice in the bottom of the ninth against reliever Jason Garcia to nullify a potential shutout: Zachary Johnson singled with two outs and scored on Duffy's two-run dinger.
Garcia, who pitched the game's final three innings, earned his second save.
Today on MiLB.com
Top Stories on MiLB.com
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- Podcast: Breaking down 2015 MiLBYs nominees
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Studies And Melodious Etudes For Alto Clarinet Level IItem #: WB.BIC00112
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Composed by Neal Porter, Robert Lowry.
Instrumental-Methods/Supplements. Grade/Level: LEVEL 1, ELEMENTARY. 36 pages. Published by Warner Brothers. (WB.BIC00112)
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Studies and Melodious Etudes Part One is a supplementary technic book of the Belwin STUDENT INSTRUMENTAL COURSE. Although planned as a companion and correlating book to the method book, The Alto Clarinet Student, it can be used effectively with most elementary alto clarinet instruction books. It provides for extended and additional treatment in technical areas, which are limited in the basic method because of lack of space. Emphasis is on developing musicianship through scales, warm-ups and technical drills, musicianship studies, and interesting melody-like etudes.


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Kendra Wilkinson: Baby Hank Is "Talkin Sh**"
Hank Baskett IV sure is a big bundle of joy!
The first son to Kendra Wilksinson and hubby Hank Baskett was born Dec. 11, weighing a healthy 9 lbs 5 oz.
Check out Kendra and Hank's wedding album
Less than a month later, his Mommy reports that he's growing up fast. "Hank is such a BIG kid," she Tweeted Wednesday, presumably while shooting her E! reality series Kendra. "he stole the producers walkie talkie n talkin sh** to the crew lol."
See Kendra's best baby bump moments!
Earlier in the day, the new mom, 24, marveled at Hank's precociousness in, ahem, another area. "lil man just had an atomic poo. lol," Wilkinson wrote. "how can something so small let out so much poop."
See snaps from Kendra's baby shower
She adds to anyone put off by the baby-poop talk, "the saying "TMI" SUCKKKSSS sooo bad! hahahahaa"


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A new effort is under way to ensure that more Indiana babies are blowing out a candle on their first birthday.
Local News
Ensuring More Ind. Children Celebrate 1st Birthdays
Sunman Has New Clerk-Treasurer
Former longtime treasurer Kristina Schneider resigned last month following her conviction on a misdemeanor charge of Public Official Misconduct.
Lawmakers At Chamber's Pre-Legislative Luncheon
The Dearborn County Chamber of Commerce is hosting area state lawmakers and lobbyists for its annual pre-legislative luncheon.
Lawrenceburg Home Destroyed By Fire
The cause of a Tuesday morning house fire remains under investigation by the Lawrenceburg Fire Department.
Commissioners Call Job Fair A Big Success
Dearborn County Commissioner Kevin Lynch thanks Indiana 6th District Congressman Luke Messer (R-Shelbyville) for organizing a job fair in Lawrenceburg this past October.
Woman Jailed For Causing Crash While High
A Guilford woman is being charged for causing an intoxicated driving crash that put a man in a wheelchair.
SEI American Red Cross Sending Cards To Soldiers
UPDATE: John Ryle, executive director of the Southeastern Indiana Chapter of the American Red Cross says that cards for the Holiday Cards for Heroes program are also being accepted at the Lawrenceburg office
Sen. Nugent Ready To "Pass The Torch"
A longtime state lawmaker officially announced that he is ready to call it a career after representing a portion of southeast Indiana at the statehouse in Indianapolis for the past 36 years.
2nd Suspect Sentenced For Meth Lab At Day Care
A man who helped run a meth lab at an Aurora residence that served as an in-home daycare has been sentenced.
Police Car Theft Suspect Identified, In Hospital
Police in Boone County have identified a man who allegedly stole a police cruiser before getting into a standoff with a SWAT team.