text:
About Us
Boater's Check List
Aluminum Boats
Hot Deals
Contact Us
1. What battery should my boat have?
Dual batteries are recommended:
Jet Skis use a MCA 240 Starting Battery.
0-60HP Engines use a MCA 465 Starting Battery.
61-150HP Engines use a CCA 525 Dual Purpose Battery.
150-750HP Engines use a CCA 625 Dual Purpose Battery.
61-150HP Engines use a CCA 525 Dual Purpose Battery.
150-750HP Engines use a CCA 625 Dual Purpose Battery.
2. What size should my trim tabs be on my boat?
12x9 trim tabs for 15-20 FT boats.
18x9 trim tabs for 18-25 FT boats.
24x12 trim tabs for 23-39 FT boats.
30x12 trim tabs for 27-35 FT boats.
36x9 trim tabs for 28-35 FT boats.
48x12 trim tabs for 35-65 FT boats.
3. What is the oil mixture for my outboard?
50:1 Ratio is 1 pint of TCW3 oil per 6 gallons of gas.
100:1 Ratio is ½ pint of TCW3 oil per 6 gallons of gas.
See owners manual for correct ratio.
4. What size trolling motor can I use on my boat?
8-10 FT boats use 20-25lbs thrust motor.
10-14 FT boats use 20-30lbs thrust motor.
14-16 FT boats use 30-40lbs thrust motor.
16-17 FT boats use 40lbs thrust motor.
17-18 FT boats use 40-50lbs thrust motor.
18-19 FT boats use 50-60lbs thrust motor.
20- plus FT boats use 70lbs thrust motor.
5. How many miles can my VHF Radio Transmit?
Normal usage is approximately 1 mile per watt.
Hand Held VHF Radio is approximately 5 miles.
Fixed Mount VHF Radio is approximately 20-25 miles.
6. What are the different types of transducers?
In-Hull 2part Epoxy to bottom of hull.
Transom Mount Most popular.
7. What are the 3 most important factors when buying a GPS?
Fixed or Handheld.
Waypoints and Routes.
Number of satellites tracked.
8. What size anchor can my boat use?
8-16 FT boats use 3-5lb anchors.
17-22 FT boats use 6-9lb anchors.
23-27 FT boats use 10-13lb anchors.
28-33 FT boats use 14-18lb anchors.
34-41 FT boats use 19-28lb anchors.
42-47 FT boats use 33-50lb anchors.
48-53 FT boats use 50-69lb anchors.
54-62 FT boats use 70-90lb anchors.
63-72 FT boats use 100-170lb anchors.
Sizes will vary depend on style used.
9. How can I stop my batteries from draining on my boat?
It is recommended that you have an automatic charger so that you may maintain your batteries while you do not use your boat.
The answers are for general boat questions and can be used as a guide. The answers
can change
depending on the circumstances involved. More specific questions may be answered by our staff either by email or calling our Mega Store at our Toll Free number 1-877-516-5489.
© 2005
Shipping & Return Information
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text:
An Agreement With a Web Designer: What Should it Look Like?
Whether you're spending a few hundred dollars, or thousands of dollars, on your website, you should have a written agreement with your web designer. Here's what to include.
Bennaco (2004). Articles>Web Design>Contracts
Avoiding the Pitfalls of Independent Contracting
With the decline of employer loyalty to employees and the move to outsource peripheral functions, many technical communicators are exploring the possibility of becoming an independent contractor. Although much emphasis has been given to marketing and negotiation skills, there are pitfalls awaiting the entrepreneur who leaps before looking. Among these pitfalls for former corporate employees are structuring time and dealing with isolation. Success as an independent is measured by how well he/she deals with these intangible issues.
Smith, Gem. STC Proceedings (1997). Careers>Consulting>Contracts
Contracting Experiences From Hell
So you've got a contract. The client seems reasonably well heeled and reliable (or you have an agency that can run interference for you). All you have to do is produce and collect, right? Not necessarily! As the following anecdotes show, having a good contract and having your professional ducks in a row are important at all stages of your client relationship.
Hilp, Robin. STC Williamette Valley (2002). Careers>Freelance>Contracts
In an economy that is constantly changing, many technical writers are (or have thought about being) contractors. Being your own boss certainly does have a certain cachet. But is it for you?
Turner, Gordon. STC Williamette Valley (2002). Careers>Freelance>Contracts
Contracts are the oil that keeps business running smoothly. If you are running your own web design business, you should think of a contract as a business tool that can help you communicate clearly with your clients.
Fine, Scott. Wise-Women (2004). Articles>Collaboration>Contracts
This is a reference library of forms to help protect your work and your visitors. It contains sample forms, contracts, and charts to ease the legal technicalities of running a Web site, such as privacy policies, link agreements, copyright agreements, sweepstakes rules, and cease and desist letters.
TechRepublic (2001). Resources>Legal>Contracts
Contracts: An Introduction to the Skills of Legal Writing and Analysis
Contracts is a computer program designed for first year undergraduates studying Obligations in Glasgow University's School of Law, written by Paul Maharg and Professor Joe Thomson. It aims to improve students' written work.
Does Information Really Have to be Licensed?
Discusses the proposed Article 2B of the Uniform Commercial Code, which will be presented to US state legislatures for enactment. It would 'validate shrinkwrap and other mass-market licenses of information' and establish other electronic commerce rules. Samuelson sees a danger in such licenses, in that consumers are said to have agreed to their provisions by 'token assent' such as clicking 'I agree.'
Samuelson, Pamela. Communications of the ACM (1998). Articles>Intellectual Property>Contracts
Freelance Contracts: Do's And Don'ts
Drafting a contract that covers you, and doesn't just enumerate information, is more than important: it is a must. Freelancers do not have the benefit of a legal department dedicated to protecting their interests with a watertight contract. Nevertheless, a freelancer's contract must be comprehensive, concise and clear. It should outline the scope of the job, scheduling demands, the expectations of both parties and more.
Bowen, Robert. Smashing (2009). Careers>Consulting>Freelance>Contracts
This is an example of a typical agreement used for freelance writing assignments. Not that there is specific limitation of rights granted to the "buyer." In no case do you want to sell blanket rights to your writing. It may be necessary to do it, but make every effort to negotiate a first national rights condition. If the clients wants more, get them to pay more.
The challenge? To resist the temptation to make everything look new. If you work with computers every day and regularly surf the Net, it is easy to lose perspective--though we regularly see some of the best, most exciting design being done today, it is often uncharacteristically modern or ultra-modern. The challenge is to match the presentation to the subject, not to the medium.
Green, Chuck. Ideabook.com (2002). Design>Graphic Design>Contracts
How to Write Your Own Contract
This presentation is designed to help independent contractors write their own contracts. Before attending the presentation think about your current approach to using contracts in your business.
Costanzo, Louis C., Richard H. Weiss and Joanne Smestad Claussen. STC Proceedings (1996). Careers>Freelance>Contracts
How to Write Your Own Contract
This workshop is designed to help independent contractors write their own contracts.
Costanzo, Louis C., Terry S. Dick and Richard H. Weiss. STC Proceedings (1995). Careers>Consulting>Contracts
The Impact of XML on Contract Law and Contract Litigation
It is unclear how adoption of Web services contracting systems based on XML standards will affect the frequency of litigated contract disputes among businesses. During the more than 20 years that business-to-business EDI contracting systems have been in use, there have been no reported cases of litigated contract disputes involving EDI contracts. By contrast, there have been many litigated disputes involving business-to-consumer contracts formed through the use of clickwrap and browsewrap Internet interfaces that have been in use for only a decade. B2B EDI contracts are usually formed between businesses that are already in a long-term trading partner relationship, and the high initial investment required to use EDI may provide additional incentives to resolve disputes informally. Businesses without long-term relationships should be able to use B2B XML contract technologies, and the absence of a relationship of trust may make it more difficult to resolve disputes informally when they arise. B2B XML contracts should still have a lower rate of litigation than B2C Internet contracts, however, because most businesses prefer arbitration to litigation.
Winn, Jane. IDEAlliance (2005). Articles>Legal>Contracts>XML
Legal Consequences of Employer Discharge Procedures
The employment contract is sometimes misunderstood by both employees and employers. Drafters of employee manuals, policies, and procedures should be aware that the nature of the at-will employment relationship can be transformed into a binding employment contract by the words and phrases chosen. Just imagine the following scenario: On his first day as an Otis Accounting firm employee, Eric was provided an employee manual outlining all firm policies and procedures. Eric was not provided a written employment contract. Despite exemplary work performance at Otis Accounting for more than 2 years, Eric was fired because his supervisor, who belonged to one political party, discovered a bumper sticker for a candidate from the opposing party on Eric's car. Devastated by the unexpected dismissal, Eric sued for wrongful termination. To determine its potential liability, Otis Accounting must first ascertain the nature of its employment relationship with Eric.
Joseph, Stephanie. Business Communication Quarterly (2008). Articles>Business Communication>Policies and Procedures>Contracts
Legally Speaking: Does Information Really Want To Be Licensed?
Although Louisiana and Illinois once passed laws to validate software shrinkwrap licenses, neither statute survived closer review. In the Vault v. Quaid decision, federal judges refused to enforce the Louisiana law insofar as license terms interfered with consumer rights under federal copyright law. The Illinois software shrinkwrap license enforcement statute was subsequently repealed due to industry dissatisfaction with it.
Samuelson, Pamela. Communications of the ACM (1998). Articles>Intellectual Property>Contracts
Because clients expect everything to be faster, better, and simpler, web professionals must take an instant, foolproof, paperless, modern approach to how clients approve proposals and sign contracts. Implementing an instantaneous contract agreement helps to get projects off the ground, attract clients on tight timelines, and prevent potential delays. All it takes is a little PHP and some PDF magic.
Enki, Bjørn. List Apart, A (2009). Articles>Web Design>Contracts>Forms
LOA 101: Intro to Letters of Agreement
Answers some common questions about Letters of Agreement, documents used by independent contractors to define the specifics of particular projects.
Frick, Elizabeth A. 'Betsy'. Intercom (2002). Careers>Freelance>Contracts
Online Privacy as Legal Safeguard: The Relationship Among Consumer, Online Portal, and Privacy Policies
Several surveys attest to growing public concerns regarding privacy, aggravated by the diffusion of information technologies. A policy of self-regulation that allows individual companies to implement self-designed privacy statements is prevalent in the United States. These statements rarely provide specific privacy guarantees that personal information will be kept confidential. This study provides a discourse analysis of such privacy statements to determine their overall efficacy as a policy measure. The in-depth analysis of privacy statements revealed that they offer little protection to the consumer, instead serving to authorize business practices which allow companies to profit from consumer data. Using public good theory as a foundation, policy implications are discussed.
Fernback, Jan and Zizi Papacharissi. New Media and Society (2007). Articles>Web Design>Privacy>Contracts
With a freshly inked contract, the client typically wants to begin work immediately. If you're smart, you've sold them on the value of good design. But, they probably haven't engaged a designer just yet. So, starting the requirements gathering process by story carding is a great way to get the ball rolling.
Golick, James. James on Software (2010). Careers>Consulting>Contracts
RoMEO Studies 7: Creation of a Controlled Vocabulary to Analyse Copyright Transfer Agreements
This paper describes the process of creating a controlled vocabulary which can be used to systematically analyse the copyright transfer agreements (CTAs) of journal publishers with regard to self-archiving. The analysis formed the basis of the newly created Copyright Knowledge Bank of publishers' self-archiving policies. Self-archiving terms appearing in publishers' CTAs were identified and classified, then simplified, merged, and discarded to form a definitive list. The controlled vocabulary consists of three categories describing `what' can be self-archived, the `conditions' and the `restrictions' of self-archiving. Condition terms include specifications such as `where' an article can be self-archived; restriction terms include specifications such as `when' the article can be self-archived. Additional information on any of these terms appears in `free-text' fields. Although this controlled vocabulary provides an effective way of analysing CTAs, it will need continual review and updating in light of any major new additions to the terms used in publishers' copyright and self-archiving policies.
Jenkins, Celia, Charls Oppenheim, Steve Probets and Bill Hubbard. Journal of Information Science (2008). Articles>Intellectual Property>Contracts>Controlled Vocabulary
The ASI Recommended Indexing Agreement is intended to be informative and is offered as an example of some of the issues that may be related to the relationship between an indexer and a client. ASI does not warrant, guarantee, or in any other way imply that this Agreement will protect your rights. Laws vary from state to state, and a general Agreement such as this may not be applicable in your state or for your particular situation. We strongly suggest that you consult professional legal counsel to obtain competent advice about any contract you may sign or offer to a client.
American Society of Indexers (2002). Resources>Legal>Contracts
Spec Work Can Damage Your Business
Speculative work, or free pitching, 'spec' for short, is considered unethical among leading graphic design associations around the world.
Airey, David. DavidAirey (2007). Careers>Freelance>Graphic Design>Contracts
Standard Freelance Editorial Agreement
The agreement spells out editorial responsibilities; specifies the agreed fees, reimbursements, and deadlines; and states what terms shall apply if either party terminates the contract before completion. Schedule A clearly defines various editorial activities so that the editor and the client can agree unambiguously on the work to be done. The completed form is a binding legal document.
For practical purposes, we may say that a tender is 'an offer to do work.' This article discusses quotations for work, standard terms and conditions and letters of agreement. The article is written within the context of UK legislation. It originally appeared in Communicator 7:1, Spring 2001.
Unwalla, Mike. TechScribe (2001). Careers>Writing>Business Communication>Contracts

subset: commoncrawl


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Harvard Crimson vs Cornell Big RedSat, October 6, 2012 - TBAHarvard Stadium in Cambridge, MA
We are sorry, the date for this event has already passed. This event took place on 10/6/2012. Click here to view upcoming events for Harvard Crimson.
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Gastroenterology at Pinnacle Hospital
Each year, millions of Americans are diagnosed with digestive disorders ranging from upset stomach to colorectal cancer. They encompass disorders of the gastrointestinal track, as well as the liver, gallbladder and pancreas. Reaching a diagnosis requires a thorough and accurate medical history and examination. Some patients need to undergo more extensive diagnostic evaluations, including lab tests, endoscopic procedures and imaging. Physicians who specialize in the treatment of digestive problems are called gastroenterologists
Patients suffering from stomach pain, cancers, ulcers, heartburn, gallstones have found the help they needed here at Pinnacle Hospital. Our physicians use the most advanced technology and minimally invasive surgical procedures to treat all digestive disorders.
The following procedures performed at Pinnacle Hospital Endoscopy Suite include but not limited to:
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- Endoscopic Ultrasound with fine needle aspiration
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For more information about Gastroenterology and its outstanding physicians, call (219) 796-4114.


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Yesterday, the New York Times published my letter to the editor about evidence standards in college disciplinary proceedings over rape and sexual harassment, titled "Proof and Campus Rape." The letter was too short to provide a detailed discussion of the subject, so I am adding more discussion below for the benefit of readers.
As I noted in the Times,
It is unfortunate that the federal government now seeks to restrict the due process rights of students accused of sexual assault or harassment. As your editorial notes, "the Department of Education recommended that universities use 'preponderance of the evidence' as the standard of proof instead of the higher 'clear and convincing' standard." But that higher standard protected due process.
As a Yale Law Journal article noted in 1987, "Courts, universities and student defendants all seem to agree that the appropriate standard of proof in student disciplinary cases is one of 'clear and convincing' evidence."
The White House Task Force you cite demanded that students "not be allowed to personally cross-examine each other." That contradicts court rulings like Donohue v. Baker (1997), which concluded that cross-examination must be allowed in certain campus disciplinary hearings.
The White House and Education Department argue that despite these facts, the Title IX statute requires a lower burden of proof and limits on cross-examination. But they are wrong, and they misconstrue court rulings to make this argument.
In 2011, the Education Department ordered many colleges to change the burden of proof that they use in disciplinary proceedings over sexual harassment. (Under pressure from the Education Department's Office for Civil Rights, where I used to work, colleges are now routinely expelling or suspending students who are very likely innocent of sexual harassment or assault, see here, here, here, here, here, here, here, here, and here. They are also taking "interim measures" against accused students who have yet to be found guilty of anything, and the Education Department wants them to take such measures even against students who have never been formally charged with anything on campus.)
In doing so, the Education Department illegally legislated through administrative fiat, and undermined due-process safeguards. It also sought to eliminate cross-examination by the accused, which could reduce accuracy in campus adjudications, and could result in discipline based on constitutionally-protected speech in cases where verbal harassment is alleged.
Historically, most colleges used a "clear and convincing" evidence standard in student and faculty discipline cases, to safeguard due process. As James Picozzi noted in 1987 in the Yale Law Journal, "Courts, universities, and student defendants all seem to agree that the appropriate standard of proof in student disciplinary cases is one of 'clear and convincing' evidence." (James M. Picozzi, University Disciplinary Process: What's Fair, What's Due, and What You Don't Get, 96 Yale L. J. 2132, 2159 n. 17 (1987); see also Nicholas Trott Long, The Standard of Proof in Student Disciplinary Cases, 12 J. College & U.L. 71 (1985)). There was no exception for people accused of sexual harassment, who thus received the same due-process protections as everyone else.
But in an April 4, 2011 "Dear Colleague" letter, the Education Department's Office for Civil Rights (OCR) rejected this traditional protection for students accused of harassment. It declared that schools cannot use a clear-and-convincing standard of proof typical in school disciplinary procedures for sexual harassment or sexual assault cases: "A school's grievance procedures must use the preponderance of the evidence standard to resolve complaints of sex discrimination." See Dear Colleague Letter: Sexual Violence Background, Summary and Fast Facts. "Preponderance of the evidence" means that if a school thinks there is as little as a 51 per chance that the accused is guilty, the accused must still be disciplined.
The Education Department's position was based on a misunderstanding of who is subject to Title IX, the federal law banning schools from committing sex discrimination. Title IX's requirements apply to schools, not individual students.
The Education Department's reasoning for imposing a low "preponderance" standard on school disciplinary proceedings was that this "is the standard of proof established for violations of civil-rights laws" in lawsuits brought in federal court. (It cited court rulings under another civil-rights law, Title VII, which also bans discrimination). Therefore, it claimed, preponderance must also be "the appropriate standard for" schools to use in "investigating allegations of sexual harassment or violence.'"
It was completely true, and completely irrelevant, that the preponderance of the evidence standard applies in lawsuits in general, as well as civil-rights cases. But that burden of proof applies to whether the school violated Title IX by behaving inappropriately, not whether students or staff engaged in harassment. Students cannot violate Title IX; only schools can be sued under Title IX, not individuals. (See, e.g., Smith v. Metropolitan School District (1997).) Moreover, Students "are not agents of the school," so their actions don't count as the actions of the school.
The mere existence of harassment by students isn't enough for liability under Title IX. More is required. The school's own actions in response to harassment must be culpable. As the Education Department admitted in its 1997 "Sexual Harassment Guidance," "Title IX does not make a school responsible for the actions of harassing students, but rather for its own discrimination in failing to remedy it once the school has notice." (62 FR 12034 (1997)). So to violate Title IX, an institution's own actions must be proven culpable under a "preponderance" standard — not the mere occurrence of harassment.
Since an institution itself must behave culpably, not just the accused harasser, federal courts have held that there is no violation of the civil rights laws even if harassment occurs, as long as the institution investigates in good faith in response to the allegation of harassment. That's true even if the institution ultimately refuses to discipline a harasser based on the reasonable belief that he is innocent, after applying a firm presumption of innocence.
For example, an appeals court reversed a jury verdict against the Postal Service for sexual harassment, even though harassment by Postal employees did occur, since the Postal Service had, after investigating the sexual harassment complaint, reasonably, but erroneously, failed to credit plaintiff's allegations. As the court explained, "a good faith investigation of alleged harassment may satisfy the 'prompt and appropriate response' standard, even if the investigation turns up no evidence of harassment. . .[and] a jury later concludes that in fact harassment occurred." See Swenson v. Potter, 271 F.3d 1184, 1196 (9th Cir. 2001), quoting Harris v. L & L Wings, 132 F.3d 978, 984 (4th Cir. 1997).
"Such an employer may avoid liability even if a jury later concludes that in fact harassment occurred" (see Harris v. L & L Wings, 132 F.3d 978, 984 (4th Cir. 1997)), and "an employer, in order to avoid liability for the discriminatory conduct of an employee, does not have to necessarily discipline or terminate the offending employee." (See Knabe v. Boury Corp., 114 F.3d 407, 414 (3d Cir. 1997).)
For example, an appeals court held that an employer did not have to discipline an accused employee where the evidence did not convincingly prove the existence of harassment, citing the absence of a corroborating witness. (See Knabe v. Boury Corporation, 114 F.3d 407 (3rd Cir. 1997).) That employer escaped liability despite requiring more than a close case for discipline, as a preponderance of evidence would mandate. A corroborating witness is not needed to show proof under a mere preponderance-of-the-evidence standard.
Similarly, in another case, the appeals court rejected an attempt to hold an employer liable for harassment because it failed to discipline a harasser where it was genuinely unclear at the time whether he was guilty: "It would be unreasonable, and callous toward [the accused harasser's] rights, for the law to require Wal-Mart to discipline [him] for events he denies, of which Wal-Mart could not find evidence." (See Adler v. Wal-Mart, 144 F.3d 664 (10th Cir. 1998).) Thus, it can be perfectly reasonable, and thus legal, to give the accused a firm presumption of innocence, especially where the accused has no previous history of harassment.
Courts had said nothing since those decisions, or the Education Department's 1997 harassment guidance, to suggest that schools violate Title IX just because students themselves are guilty of harassment under a mere preponderance-of-the-evidence standard. Accordingly, the Education Department had no legal basis for its demands.
Indeed, court decisions since the Education Department's 1997 harassment guidance had made it harder to hold schools liable than the Education Department wished: decisions like the Supreme Court's 1998 Gebser decision, which dismissed a Title IX lawsuit for failure to show both a school's knowledge of harassment and its "deliberate indifference" to it. OCR claims that "this deliberate indifference" requirement is irrelevant to its own interpretation of Title IX, and applies only to Title IX lawsuits against schools, in which plaintiffs must show both a Title IX violation and deliberate indifference to get damages for harassment.
But even if that claim by OCR were true, it wouldn't matter. Giving someone a presumption of innocence isn't a "violation" of the civil rights laws in the first place, as the cases discussed above illustrate. Under the Education Department's own 1997 guidance, it's the school, and its action in response to the harassment, that must be culpable to violate the statute, not just the harasser's own conduct. And it's not in any way culpable for a school to give someone a presumption of innocence. No one has a "right" to discipline just because harassment happens: they only have a right to a reasonable response by their school in response to their complaint, which may or may not lead to disciplinary action depending on the evidence.
The Supreme Court also noted in its 1999 decision in Davis v. Monroe County Board of Education that Title IX doesn't give complainants a "right" to second-guess a school's reasonable decisions about discipline, noting that there isn't any "Title IX right" to "particular remedial demands" or "particular disciplinary action," just because harassment has occurred:
"We stress that our conclusion here . . . does not mean that recipients can avoid liability only by purging their schools of actionable peer harassment or that administrators must engage in particular disciplinary action. . . the dissent erroneously imagines that victims of peer harassment now have a Title IX right to make particular remedial demands . . .courts should refrain from second guessing the disciplinary decisions made by school administrators," who "must merely respond to known peer harassment in a manner that is not clearly unreasonable."
Many reasonable school officials with expertise in civil-rights law have long supported using a higher burden of proof than a mere preponderance of the evidence, contrary to the Education Department's recent demand. For example, Harvard Law School's "Policy and Guidelines Related to Sexual Harassment," drafted by a committee that included a professor who taught gender-discrimination law, and adopted by Harvard Law's faculty in April 1995, until recently contained the following provision: "Burden of proof: Formal disciplinary sanctions shall be imposed only upon clear and convincing evidence." The Education Department's rule also conflicted with faculty collective bargaining agreements and university regulations mandating a clear-and-convincing standard. In 2011, Inside Higher Education gave one example, citing Ohio State University, "where the OCR began a compliance review in June after students alleged too high a burden of proof when considering whether to discipline those accused of sexual harassment, lowering that standard could require approval from the institution's governing board."
In addition to warning against "second-guessing" of school officials' disciplinary decisions, the Supreme Court in Davis also emphasized that to successfully sue a school district for damages, a complainant alleging sexual harassment must also show that school officials were "deliberately indifferent to sexual harassment, of which they have actual knowledge."
Applying that "deliberate indifference" standard, appellate judges ruled that where a school district does not discipline a harasser because it failed to conclusively determine that harassment occurred, it was not liable even where that failure to find guilt was "flawed," and led to future harassment. (See Doe v. Dallas Independent School District, 220 F.3d 380 (5th Cir. 2000).) Thus, it is clear that giving someone a strong presumption of innocence is not the basis for a Title IX lawsuit, regardless of what the Education Department may think.
Even in the absence of these court rulings, the Education Department's demands would be invalid, because they impose new legal obligations without complying with the Administrative Procedure Act, which requires agencies to publish rules and regulations in proposed form before imposing them on the public, and give the public an opportunity to comment before adopting them. Legal scholars have criticized the Education Department's Dear Colleague letter for that very reason. For example, Cornell law professor Cynthia Bowman argued that Cornell University should not change its procedures in response to the Education Department's demands, because the lower standard of proof mandated by the Department in its letter "has not been subjected to notice and comment." Bowman observed that the Education Department's directive was "not an administrative regulation, has not been subjected to notice and comment, and thus does not have the status of law." "The consequences for someone expelled for sexual assault are enormous and will follow him throughout his life, leading to rejection by other schools, inability to qualify for the bar and a great deal of stigma," Professor Bowman noted. "To impose those consequences on someone requires a rigorous standard of proof and many due process protections to ensure fairness." "Indeed, there is general agreement among faculty at the Law School that the procedures being proposed [by the Education Department] are Orwellian," she added.
Leading law professor Richard Epstein also challenged the legality of the Education Department's demands, declaring that "the Department of Education is on a collision course with the Bill of Rights." The Education Department's position was criticized by lawyers such as former U.S. Civil Rights Commissioner Jennifer C. Braceras; Wendy Kaminer; Robert Smith; former Massachusetts ACLU leader Harvey Silverglate; Ilya Shapiro; and Greg Lukianoff; groups like the American Association of University Professors and the Foundation for Individual Rights in Education; and many civil libertarians and journalists.
As former ACLU board member Wendy Kaminer noted, the Education Department is also discouraging colleges from allowing accused students to cross-examine their accusers: "students accused of harassment should not be allowed to confront (or directly question) their accusers, according to OCR, because cross-examination of a complainant 'may be traumatic or intimidating.'" As OCR puts it, "OCR strongly discourages schools from allowing the parties personally to question or cross-examine each other during the hearing." This is perverse, since the Supreme Court has described cross-examination as the "greatest legal engine ever invented for the discovery of truth." (See Lilly v. Virginia, 527 U.S. 116, 124 (1999)). Moreover, courts themselves invariably permit cross-examination of complainants in sexual harassment lawsuits, so OCR can hardly claim that courts view cross-examination as intrinsically unfair to complainants, much less claim it is illegal. Yet OCR ludicrously claims to be merely restating existing legal obligations under federal court rulings in its "Dear Colleague" letter.
While there is no blanket right to cross-examine in campus disciplinary proceedings, the right to cross-examine was often afforded by education codes, collective bargaining agreements, or other contracts or regulations. Title IX did not require that these be disregarded. As the Supreme Court observed in the Davis case, it is a school is entitled "to refrain from a form of disciplinary action that would expose it to constitutional or statutory claims." Moreover, in a few campus disciplinary cases, such as Donohue v. Baker (1997), judges ruled that cross-examination was constitutionally required on due-process grounds to test the credibility of the accuser.
The Education Department's attack on cross-examination undermines accuracy in disciplinary proceedings. The subjective nature of the legal definition of harassment means that there is no category of cases in which cross-examination is more useful or essential to ensure due process. To legally qualify as sexual harassment under Title IX, or racial harassment under Title VI, speech must be severe and pervasive enough to create a hostile learning environment for the listener, and interfere with the listener's education, both in subjective and objective terms, according to court rulings like the Supreme Court's 1999 Davis decision. Transitory offense is not enough. If the accuser admits on questioning that she did not really view the offensive speech as being a "big deal," or was not shocked or surprised by it, that probably rules out the existence of a subjectively hostile environment. Indeed, a federal appeals court dismissed a racial harassment claim for just that reason in Newman v. Federal Express Corp., 266 F.3d 401 (6th Cir. 2001).
But a wrongly-accused person can't establish that lack of a subjectively-hostile atmosphere without questioning the accuser, and may not be able to show that the accuser wasn't greatly impacted by the speech without cross-examining the accuser about its alleged effect on her and her studies, such as whether she continued to enjoy her college experience after overhearing the allegedly "harassing" remarks.
There is a fine line between protected speech about unpleasant sexual topics and unprotected sexual harassment, and it is crucial that accused people be able to prove that their speech did not amount to sexual harassment. Even sexually vulgar speech on political issues is protected on college campuses, as the Supreme Court's Papish decision illustrates. And perfectly civil, non-vulgar students have been subjected to disciplinary proceedings for sexual and racial harassment, in violation of the First Amendment, merely for expressing commonplace opinions about sexual and racial issues, like criticizing feminism or affirmative action, or discussing racial implications of the death penalty. (See the examples cited in the Amicus brief of Students for Individual Liberty in Davis v. Monroe County Board of Education, available at 1998 WL 847365.)
To fully defend themselves against sexual harassment charges over speech on sexual topics that doesn't really amount to sexual harassment, people who are wrongly accused of sexual harassment will sometimes need to cross-examine their accuser to show that their speech did not really have any sexually harassing effect, and thus did not legally amount to sexual harassment, despite their accuser's attempt to make a mountain out of a molehill.
The Education Department's attack on cross-examination will lead to free speech violations, by resulting in students being convicted of harassment even when their speech did not create a subjectively-hostile environment, much less interfere with the accuser's educational opportunities. If the speech has not created such an environment, it has not caused tangible harm, and cannot be banned merely because a hypothetical listener might have objected to it. One case illustrates this principle. In Meltebeke v. Bureau of Labor and Industries, 903 P.2d 351 (Or. 1995), the Oregon Supreme Court struck down a religious business owner's fine for religious harassment because the state agency's harassment rule violated religious-freedom guarantees. Justice Unis, in his concurrence, noted the rule also violated free speech, and was unconstitutionally overbroad, because it only required that the speech create a hostile environment for a hypothetical reasonable person — not for the actual complainant, who did not need to experience a subjectively-hostile environment.
In another disturbing move, the Education Department's letter also forbids colleges to allow students found guilty to appeal their punishment or finding of guilt, unless the college also allows complainants to appeal findings of innocence, and to challenge supposedly inadequate punishments: "If the school provides for an appeal of the findings or remedy, it must do so for both parties." That conflicted with the practices of many campus disciplinary systems. There is nothing nefarious about allowing only the accused to appeal. Courts generally permit only defendants — not the prosecution or the complainant — to appeal the verdict in a criminal case.
Note: I used to practice education law for a living, including a stint at the Education Department's Office for Civil Rights.
My New York Times letter was posted July 7, 2014, and referred to on the bottom of page A16 of the print edition of the July 8, 2014 New York Times, as follows: "Online: More Letters: Rights of the accused: Hans Bader, a former Education Department lawyer, replies to an editorial, 'New Rules to Address Campus Rape.'"


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Julia Cameron's BLESSINGS Gratitude Cards
January 10, 2013 by TarcherPerigee
Filed under Author Spotlight, Creativity, Julia Cameron Works.
For more than two decades, readers have enjoyed the inspiring words of Julia Cameron, author of The Artist's Way. Last year, she took that classic instructional book on honing your creativity and created a card deck containing 64 cards distilling much of the wisdom of the book called The Artist's Way Creativity Cards. Now, Julia has created a new card deck–BLESSINGS Gratitude Cards.
Taken from Cameron's BLESSINGS—a heartwarming book of prayers—the BLESSINGS Gratitude Cards are a daily reminders to the reader of the many ways they can change frustrating circumstances by adopting the spirit of gratitude. These 64 full-color cards will provide the reader with uplifting and inspirational support for their day-to-day lives.
The pursuit of dreams can be a daunting endeavor, one that often forces us to question whether we are capable of achieving a goal we deeply cherish. In BLESSINGS, Julia Cameron illuminates for her readers that focusing on gratitude enables them to recognize the gifts they have already been blessed with. By changing the way we think and embracing an outlook of gratitude, Cameron gives readers the tools they need to reconnect with their creative spirit and explains how she surrenders to the "deeper flow of life rather than willfully forcing artificial solutions."
Examine some of the beautifully vibrant cards from this deck HERE.
You can purchase BLESSINGS Gratitude Cards from Amazon, Barnes & Noble and IndieBound.
This has been a busy month for Julia Cameron, her latest programming book, THE PROSPEROUS HEART: Creating a Life of "Enough", just came out in paperback.
One of the most-asked questions Cameron hears from the students she teaches is, "How can I live the creative life but still pay my mortgage?"
Now, Cameron addresses the financial issue, one of the primary blocks to creativity in THE PROSPEROUS HEART: Creating a Life of "Enough."
Prosperity isn't a fiscal bottom line, Cameron asserts. Rather, "prospering is something we can do, right now, today, no matter how much money we have." To aid us cultivating a prosperous heart, Cameron outlines a 12-week program, offering concrete tools and practices to help us. She explains important steps in the process, including determining spending habits, dismantling negativity, de-cluttering our lives, and figuring out what "enough" means for us.
Read an excerpt from The Prosperous Heart: HERE.
You can purchase The Prosperous Heart at Amazon, Barnes & Noble, and IndieBound.


text: Hotel HG Cala Llonga Quick Specs View Large Interactive Map Address Urbanizacion Cala LlongaMahon, Menorca Island, Balearic Islands, Spain 07700 Web http://www.hg-calallonga.com Phone + 34 971-353800 Fax + 34 971-351593 Toll-free Email OverviewMeeting Specs Description Hotel HG Cala Llonga Meeting Rooms & Events Hoteliers! Is your listing up to date? With over 130,000 hotels in our database, no other source compares to our depth of information. Click here to review and be sure the travel professional knows your hotel's latest details.


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The Best Trait an Entrepreneur Can Have
It takes courage, grit and determination to start a successful business. It also takes a bit of blind confidence…if not a touch of madness.
Given these most common traits of entrepreneurs, they may have the tendency to develop blind spots. In short, business owners often don't know what they don't know.
If you're an entrepreneur, how can you protect yourself from these blind spots?
Find out in my new 3 minute video.
Action Steps:
- Listen. When you talk, you're depriving yourself of the opportunity to learn from others. Make it a point to be quiet and listen to what other people have to say.
- Create systems to collect employee feedback.
- Find a business coach. Your favorite team doesn't go without a coach. Neither should your business.
- Make time for quiet time at least once a day.
- Please share your thoughts in the comments section on this page.
- Listening and quiet time are closely related. When you let other people talk, you will find they have things to teach you. When you make time for quiet time, you'll find the quiet has things to teach you, too.
- Your employees know your blind spots. They know all about your "unknown unknowns." Listening to them will keep you from getting broadsided by the things you don't know you don't know.
- Coach > Accountability Partner. An accountability partner will default to being your friend when things get tough. A coach will get tough with you when things get tough. It's the extra push that makes all the difference.
6 Responses to "The Best Trait an Entrepreneur Can Have"
I was at a conference when the speaker said something like "the master always says thank you for the review." I think that comment is aligned with your first step of listen. Great Info as always.
"the master always says thank you for the review." I love this quote and concept. Thank you for sharing, Angy.
As a true believer in the art of humility, and being an entrepreneur for over 25 years this struck such a cord in me I had to comment. For I normally leave bantering to others on the net but this time this tape deserves recognition for the straight to the point the message, it delivers. I do NOT see others like myself who display humility in front of their staff. I always have from the get go.I may own the company I made have discovered the niche in the market it is my money and lively-hood this business depends but it is my staff who I relay on to help me guide the company growth properly.Maybe because I am a woman I take to the philosophy of "it takes a village to raise a child". But how does that really differ from the growth of a company? It takes a village to do so and the fact I am still in business after 25 years is testament to what I have heard from clients and staff. It is them I serve and why I own a service business. When I have made mistakes and I mean big ones I do not waste sleepless nights pondering or crying over the split milk I examine the intricacies of the event and thus see where at what point things went astray and learn to never repeat the same. But I want you to know that at this time the person caught up in the chaos is the person I deliver a home made apple pie to , to say "please humbly accept my apology. It works every time.Why? Because who amongst us has not made a mistake acknowledge it immediately and make restitution to the problem, regardless. I often write notes that say I humbly ask I humbly respect, there is nothing wrong with humility as so many think today. I consider it a strength for my survival and after 25 years I have just heard for the first time someone else who agrees. Way to go ! And thank you for reminding me I and not rolling over just evolving in today's market place.
Thank you for allowing me to express my opinion in this format and I sincerely appreciate the chance.
Thank you for the thoughtful and detailed reply, Suzette. Humility is an attribute that deserves more attention and praise in small business training.
Congrats on making it through 25+ years! That's a major milestone too few business owners reach!
Excellent message and so true. Thanks for sharing it.
You're welcome, Lisa.


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Hayden Fuchs is high functioning autistic teenager that will be 18 in 3 days. He was back living with me (Mom) in Arizona for the last few years going to Pinnacle High School where they have a Disablity area for academics with his electives and lunch interacted with the rest of Pinnacle Peers. Hayden doesnt take medication when l Hayden also has a Best Friend Lang and a bunch of friends, Best Buddies Program, DDD Services, and an extended 4 yr program for Daily Life Skills with Academics included after Graduating with his Class of 2014. Most of all Arizona is where he is Happiest ! His Father took that away over a week ago, asking to enforce visitation and dismissing from his agreement we signed over 2 years ago. Somehow in a blink without Father informing me, Hayden was taken from School put on the plane and I have not heard or seen him since 2 Mondays ago. I never thought someone could be so cold hearted and selfish. Unfortunatley this is total abuse and needs to be stopped. Hayden, Haley, Sage and August all need to be returned home and the Fathers need to stop manipulating the system and think of the Children. Please help me help my kids today and together we will stop the nonsense for the children in the future. Reminding Parents that Kids Are People Too.
Problem on this page? Briefly let us know what isn't working for you and we'll try to make it right!


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Registration is under way for the High School All-Skills Exposure Camp (July 9-12) and the High School Pitcher/Catcher/Infield Camp (July 12-14). The two sessions are designed to enhance the skill level of baseball athletes from grades 7-12.
This summer's camp offerings, directed by MSU Baseball Camps Coordinator Jake Wells, conclude with a pair of Youth Day Camp sessions (July 15-18 and July 22-25). These sessions are geared toward baseball athletes in grades 1-8 and provide a wide array of baseball training and competition during each day's session and Dudy Noble Field and the nearby Palmeiro Center.
For additional camp details or to register online, visit www.hailstate.com/baseball camps or call the MSU Baseball Office at 662-325-3597.


text: I was just thinking about my relationship with Nuclear Power. I think we need to apply it at a much larger scale if we are to practically hit reasonable climate and energy targets, but i still have that irrational fear that says that I'd prefer to get there without it. I resolved this by thinking about my relationship with sharks when I go surfing or kitesurfing or windsurfing. The risk associated with shark attack is much much smaller than the risk of a car accident getting to the beach, yet some days that risk scares the willies out of me. I still do go surfing, of course, but I can't take all those sharp little teeth off my mind. Most of the time I'm really comfortable with the idea of nuclear power, and it's inherent risks (very low), yet there are some days where I am just spooked by the consequence of all those little particles and rays. Life is about risks. Given climate change versus the managable risk of nuclear energy, I'll take nuclear energy.


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State officials are accepting applications from agricultural producers, nonprofit organizations, government entities, for-profit companies, and educational institutions for projects promoting or enhancing the production of and access to Delaware specialty crops.
The Specialty Crop Block Grant program, funded through the federal Farm Bill, covers products including fruits, vegetables, tree nuts, dried fruits, horticulture, and nursery crops, including floriculture. A review team will rank applications for a final decision. All applicants must reside in Delaware or have a business or educational affiliation in the state.
Applications are available at de.gov/scbg2013, or from marketing specialist JoAnn Walston at (302) 698-4592 or email@example.com. Applications are due by 4:30 p.m. on June 10.
Location, ST | website.com


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Particular conditions of your respective physique may possibly allow it to be straightforward to have illnesses like antibiotics and diabetes. You detergents may be aggravating your infection, along with perfumes and deodorants. You wish to stop feeding the yeast. Candida albicans are a standard reason for vaginitis. If taken orally , it'll provide a lot of health benefits instead of merely treating disease.
It also could potentially cause endocrine disorders such as hypothyroidism or hypoparathyroidism. Providing solid research on topics such as symptoms of candidiasis, candida saliva test, intestinal candida symptoms, causes of a vaginal yeast infection, candida foods to avoid, the symptoms, tests, treatment plus more. The infection home remedy honey treatment can surely increase the risk for place and ones body in the mess.
Whilst drug manufacturers are facing an ever-mounting market, you will find nevertheless plenty of unanswered questions on over-the-counter yeast infection treatments. This drug lowers the Candida antigen in a really short time. While these areas could not itch, they might be really painful. It's when these defenses have been weakened that you just suffer from candidiasis, And thats when the external symptoms such as burning and itching start. Candida, often known as Candida Albicans, is in reality a good sort of bacteria that lives inside colon.
The best way to prevent a penile candida albicans is to practice safe sex. Based on her experience she suggested some yummy tips for a Candida diet and Recipes. Altering your diet is not only a easy task but it is one of the most effective actions. What is Candidiasis?
Before we get this to diagnosis, various other diseases would firstly be eliminated like infection and uti. The best candida albicans cure is natural. Make sure you dry the genitals thoroughly using super absorbent paper. However, treating it with diet as well as a natural treatment for yeast infection protocol is the greatest way to go. Unfortunately for you, these are just the conditions that the Candida fungus just loves! It can be rarely a critical condition but can be really miserable.
That is bought over-the-counter inside drug store. Nearly all women could have at least one yeast infection in their lifetime which can happen as a result of many reasons including health issues, use of antibiotics, bacterial infection, dietary issues and sexually transmitted infections nevertheless the first time you utilize an over the counter yeast infection treatment like Monistat or Nystatin should only happen after proper diagnosis by a physician. Consult a health care provider before following detoxification process to get on the safe side as a lot of people suffer from withdrawals. Fortunately it really is easy to treat an epidermis yeast infection. In the end know exercise is something that can help fight candida knowning that being sedentary will help them thrive, you might be wondering about yeast and swimming and specifically swimming in a public or chlorinated pool. Candida Albicans is also thought to contribute to an individual's alcoholism, autism, ADD or attention deficit disorder, lupus, rheumatoid arthritis, and more. Diabetes is a root cause of infection. Getting more details about the natural candidiasis cure allows you to identify the very best, 100% natural cares on the market.
The last two stages of this illness would be the most complicated. Women with diabetes will also be more prone to an overgrowth in yeast and a lot likely to have recurrent yeast infections. It is also a fantastic cure for candida albicans.
An overgrowth of candida are able to cause the infection to invade the vagina, which can be when the the signs of a candida infection will often be noticed. This disorder happens to be so straightforward to permanently fix having a small amount of time along with a few straightforward components. Utilizing also is a highly effective homeopathic treatment which is known to kill yeast right then. When this happens, you'll experience a variety of candida overgrowth symptoms which will need to be managed. Meanwhile, the case is different in oral yeast infection on men. Why some organic and natural treatments you aren't safe or effective. With that in mind, there is a natural remedy will not compromise your well-being. Using apple-cider vinegar is also an effective yeast infection treatment method.
Around 50% of these will have it over and over again. Sandy and Phil are a regular Mom and Dad. So, be patient and keep to the Candida Diet Chart given it may drag to even months. The harder you should learn t overcome your food intake in case you are diabetic. The ways that candidiasis can effect one's body is too many to count.In case you are like me and wish long termyeast infection reliefthat will last you your entire life not just a few short weeks. Most typical areas affected will be the underarms, under dentures, the abdomen and under breasts and nail beds. Yoghurt and probiotics are recognized to play an important role in controlling the expansion of yeast inside our bodies. Gain understanding of the art of meditation.
If youre looking for a healthy bread to increase your candida diet, consider Ezekiel 4:9 bread. In lieu of opt for another does of prescription cream or ointment, some people turn to alternate homeopathic remedies to see if their bodies respond better. Get enough sleep. In fact it is a normal function of the body for it yeast.


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Jun 13, 2014 10:04 AM
We promise, when you use Goldies Vinegar Hair Rinse ($18), your locks won't retain that pungent acidic scent that's indicative of apple cider vinegar. We tried it with a little bit of apprehension, and when you run it through your hair in the shower, it does have a vinegar-y smell to it, but by the time your hair is dry and primped for the day, it'll fade away completely. The smell will disappear, but left behind will be soft, full hairs, shiny and totally touchable!
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Chocoholics Rejoice! The Chocoholic Bar at The Sutton Place Vancouver
After finishing a five million dollar renovation of the guest rooms, The Sutton Place Hotel in Vancouver (again a recipient of the AAA Five Diamond Award in 2006) has added a sweet touch to its tradition of elegance with the unique Chocoholic Bar. The Bar is the city's only all-you-can-eat chocolate buffet.
Famous with local Vancouverites, the Chocoholic Buffet provides delectable offerings including an array of home made luscious cakes, pastries and pies, exquisite sorbets and ice creams, topped only by the Bar's own renowned Brittany crepes, a house specialty made right before your eyes. Join The Sutton Place Hotel's Master Chocolatier and Pastry Chef Wolfgang Dauke for an evening of sinful delights.
This chocolate-lover's dream come true, the Chocoholic Bar, is offered in two seatings, from 6:00 p.m. to 8:30 p.m. and 8:30 to 10:00 p.m. on Thursdays, Fridays and Saturdays at the Fleuri Restaurant, located on the lobby level.The buffet is $23.00 per person and is also available for banquet or catering functions outside the hotel.
Is it possible to overdose on chocolate?
The Sutton Place Hotel Vancouver, Official Site
The Sutton Place Hotel Vancouver, Five Star Alliance
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The E.ON group throws the sponge. After eighteen months of an uphill battle, German energy giant has finally agreed to withdraw its offer on the first Spanish electrician, Endesa. While the latter theoretically ran until tonight, the Group of Düsseldorf went clearly: to the ambitions of its rivals, the Italian Enel and Acciona Spanish ally, which are already provided to 46 of the shares of Endesa, he understood that it did not successfully take control of the Madrid company. A ceasefire was therefore signed yesterday evening between the two camps. He led E.ON to abandon the party, leaving the field open to duo Enel and Acciona, ready to launch as soon as possible its own OPA on Endesa, 41 euros by title. A price valuing the company at more than 43 billion euros.
Last week, the Spanish authority in the financial markets imposed them within six months prior to the filing of a new offer. The compromise reached with E.ON is likely to accelerate the timetable: since yesterday evening, a door-
Word of Acciona ensured that the OPA in preparation would be launched "soon". To convince their opponent to withdraw, Enel and Acciona have proposed to cede a number of assets. And not least... In Spain, the German energy company will not lost everything, because he will inherit Viesgo, the local subsidiary of Enel, which owns more than 2,300 megawatts of production capacity and over 600,000 clients electricity supplies in the North of the country. Elsewhere, E.ON will retrieve more interests held by Endesa in France, Italy, Turkey and Poland. In total, the value of the assets in question amounted to approximately 10 billion.
Gateway to France
With regard to the France, the news is anything but anecdotal. This means that the first European energy company will become, at term, the owner of the WOMEN'SNET, third French producer of electricity. An almost unhoped-for gateway for E.ON, who was until then, never managed to take foot in a meaningful way on the French market. At three months of full opening of electricity and gas markets to competition, his arrival dramatically changes the deal in France for "historical" actors of EDF, gas of France and Suez.
In the immediate future, E.ON is savings and a new stock market battle. The news of his barely known withdrawal, his title was awarded more than 2 yesterday evening at the New York Stock Exchange. A little earlier, the action had closed up 0.31, to 102,10 euros on the Frankfurt Stock Exchange. Investors were worried for months of mad one-upmanship that had led the German group to three times the price to the shareholders of Endesa. Between the launch of the first OPA, in February 2006 and the last adjustment of the offer, last week, the amount of the transaction flew 57, reaching EUR 42.3 billion.
In the end, E.ON should therefore pay only a quarter of that sum. But to its main competitors, the result will be the same, and it is heavy with threats: in the North of England South of the Pyrenees, the first European energy group will expand its influence on the old Continent.


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David Cairns
This is my first attempt at putting together a book for blurb.com. It is a photo essay I did of my mother's immediate family for just prior to Christmas 2008.
I hope you enjoy.
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The Sacred Image
Published May 17, 2009
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"We all hunger
for moments of spontaneous interaction, authentic intimacy
and unquestioned love; that connectedness that makes us feel
whole. We hunger because these experiences are too few and
far between in our relationships….all of them….at
home, at work, in the community and around the world."
Joanne Black, SVP
When we relate to each other
as partners…we establish a new premise from which to
interact. It shifts our view of the other person and gives
us a new understanding of their value in our lives. We stop
settling for a truce, disharmony, abandonment or outright
attack in our divisive commitment to being right. We are called
on to open our minds and our hearts to include their perspective,
their feelings and their concerns so that all
of our relationships can flourish.
These symptoms of our estrangement
and distrust will continue until we:
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Our programs are for single
people, married and unmarried couples and even just one of
a couple. Everyone deserves the practices that have been missing
in our world. And the world needs as many people as possible
to be using and living these practices.
Participants consistently
report that the practices dramatically alter the way they
relate: starting with a more loving relationship with themselves,
attracting new relationships, breaking through barriers to
intimacy, deepening existing bonds, fortifying their ability
to strengthen their union and finding the joy and satisfaction
they only dreamed about.
(see testimonials)
You Are Loved, Practices for Partnership
fully expresses the 10 practices, based on 18+ years of working
with thousands of people. They are:
1. Trusting You Are
2. Listening with Compassion
3. Authentic Apology
4. Forgiveness
5. Speaking From Your Heart
6. Creating Safety
7. Creating Intimacy
8. Handling Upsets Responsibly
9. Expressing Appreciation
10. Honoring Your Commitment
1. Trusting You Are
2. Listening with Compassion
3. Authentic Apology
4. Forgiveness
5. Speaking From Your Heart
6. Creating Safety
7. Creating Intimacy
8. Handling Upsets Responsibly
9. Expressing Appreciation
10. Honoring Your Commitment
Book Order Info...
I: Trusting
You Are Loved
You Are Loved offers
the "practices for partnership" in a 2 ½
day format. This course not only brings the book to life but
also is an experiential journey into the realm of partnership…an
opportunity to let your mind go on vacation and spend a weekend
in your heart.
We define partnership as: The
conscious and deliberate way of relating that provides the
safety for and validation of another so that the unique gifts
of each person are realized, expressed and contributed.
This way of operating in all of our relationships
calls on us to use our hearts, along with our heads, to communicate
well, to establish trust or to accomplish any goal together.
It may mean that we have to employ unseen aspects of ourselves
to have our relationships thrive and flourish, because we
have only used these gifts "unconsciously" in
the past. As we embark on this journey we find our own inherent
strengths and gifts in relating.
Course Schedule
Course I: Trusting You Are Loved A Special Workshop For Men
A man will do to himself in 10 seconds what he wouldnt let another do to him in 10 years. Want to stop that??
Trusting You Are Loved is a powerful weekend of healing, where you will discover:
You are not alone in life
What it truly means to be a man
How to forgive yourself for everything
How to balance your head and your heart
How to access your power without domination
How to deal with feeling like youre never enough
II: Your Self in Partnership
Self in Partnership
is a powerful, two-day program designed to take the distinction
of Trusting You Are Loved to a deeper and more practical
level. It is the opportunity to discover a most precious treasure
– our Core Values. Our Core Values influence the most
fundamental choices we make in life, shaping who we are and
who we are destined to become.
Once you have completed the Trusting
You Are Loved course you may want to
more fully engage in the distinction of Trusting You Are
Loved, in order to discover more about yourself and what's
possible in your relationships when living from your own magnificence.
You can then participate in this program for TYAL graduates
COURSE I - Trusting
You Are Loved
"This brilliant course takes you
deep into the heart of your relationships. It sidesteps the
familiar psychological discussions about relating, of man-woman
distinctions, and allows our direct, visceral experience to
teach us. Trusting You Are Loved is more than the
name of this course--- it is an active, courageous step into
the power within that nurtures and guides us in life. It has
had a sustainable and transforming effect: it hit me right
where I really live--- not in my head, but gently, firmly
in my heart.
In this course I re-experienced a joy
and willingness to trust my relationships, without suspicion,
judgment or fear. It reaffirmed my truth that I am in charge
of the quality of my relationships.
The practices offered in this course
are powerful in their simplicity and provide a fluid blueprint
for creating and sustaining love in my day-to-day relating.
The course gave me clear, necessary practices to dissolve
the hard knots of communication, as well as effective ways
to resolve upsets
The course itself just loves you into
it. It is brilliantly led by two loving, seasoned relationship
divas, Francine Epstein and Rita Reneaux.
I really loved this course, and it loved
me back. What a wonderful life-affirming experience. The deep
place where I experience relationship continues to transform,
because I am more willing to trust the inherent value and
goodness of my relationships.
More than ever before, I am willing to
trust that I am loved, and to trust the love others have for
me. The course cracked some hard places of fear, resistance
and distrust in me, and now, several days later, my experience
of loving acceptance---and trusting I am loved---gathers strength.
I have no reservation in recommending
this course to everyone. It has deeply altered my capacity
for accepting love from my spouse, my family, indeed everyone
I meet!"
MH, Advertising Consultant
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"This course was simply the
best thing we have ever done for our relationship.
I now realize that what I wanted from every course or workshop
related to life & relationships is what I got from this
one. My wife & I were in the workshop together and after
27 years, we rediscovered what it is to feel like newly-weds
once again.
This course reached into my soul. It
is the roadmap to living successfully as a human being.
JC, Executive Coach
"While I have participated in many
"personal growth" events, this course is by far
and away the most nurturing, loving and immediately applicable.
It is deeply profound and lasting. My husband and I did the
course together and have discovered (rediscovered?) a new
way to be ourselves and to be in communication with another
when things are working and when things are not working. We
have found the course work applicable to really listening
and communicating in relationship with our daughter, our friends,
our family and our business partners and potential partners.
I invite each of you to explore with either Rita or Francine
the possibilities this course may hold for you. It is by far,
the best gift you could give yourself. "
KE, Journalist
"The Trusting You Are Loved course
has made a huge difference in the quality of my relationships.
The practices I learned in the TYAL are practical, not theoretical.
I use them regularly, both in my primary relationship, and
in family and friend relationships. Misunderstandings and
miscommunications are infrequent and easily resolved. Disappointments
don't build up; they are handled and released. I remember
to give my partner the benefit of the doubt when I am upset,
and often find out my automatic assumptions were incorrect
after all. Since the TYAL, my relationships are more satisfying
and peaceful as a result of learning and using these practices."
KM, Business Owner
"Gentleness, when skillfully applied,
can penetrate to the core of a person, much like water through
stone. Francine and Rita have created a safe and powerful
container in TYAL so that each person can explore the very
foundation on which they stand. The realizations are profound
and life changing. The pilot light of passion went on in this
course. The results continue to contribute to my life and
to others. Thank you for your abilities to restore, create
and inspire people at a level often thought of as impossible.
TR, Trainer
Back to Top
"TYAL has given me everything
I need to nurture and maintain the quality of relationships
I always knew was possible. Not only did I get insight and
tools for relating with others, I now have the ability to
trust that I am loved, a boundary that provides safety for
me as well as others. The impact TYAL has made in my life
sustains me on a daily basis, and I highly recommend it to
anyone who is seeking satisfying, fulfilling relationships."
NBG, Sales Manager
II - Your
Self in Partnership
"During this course, I was able
to identify and eliminate the obstacles I had to Trusting
I am loved. Now I feel free to have true partnership in my
M.L., Film Production
"Doing the Core Value work
had me feel like I had come home. I realized what my friends
and family had been telling me for years – I am a good
man. I was better able to value myself."
T.H., Advertising VP
"I can now remind my husband,
in case he forgets, to listen for the core value behind my
communication and when he does, his automatic defense system
disappears and voila! I feel valued, I feel known, I feel
loved, I feel heard, I feel honored."
J.R., Event Manager
Back to Top
"I feel that I understand people
better in general. I really see the person that I am looking
at and I'm in touch with who they are instead of a judgment
about them. This happens without thinking about it. I would
say that the course has made me a better human being."
B.W., Image Consultant
"The Your Self In Partnership
provided a powerful setting for me to discover what is core
to my heart and soul. This has allowed me a very safe and
centered space from which to express myself".
G.R., Financial Advisor
"The greatest thing I got,
which I believe will have a lasting impact on my life, was
the conversation about core values. HOT ... RIGHT ON THE MONEY!
Truly, from what I can tell, it's the source of upsets,
miscommunications, etc. I thought it was outstanding! This
topic of core values makes SO MUCH SENSE to me -- it's a matter
of interpretation!!!! And the exercise associated with it
was the BEST! I LOVED the course! And I'm thrilled I was in
R.W., Legal Secretary
"Francine and Rita are extraordinary
listeners, and when they work with couples,
they manage to mix clarity with compassion in their communications.
Their work
has made a big difference in our relationship. We have more
skills at working out
disagreements, but more importantly, we can now speak and
listen to each other from a place of love and compassion,
instead of upset. We are very grateful for the time we spent
with Francine and Rita. Thanks!"
SC & SJ, Austin /
Dallas, TX
"We accomplished more for
our relationship in one 2 hour coaching session
with Francine and Rita than we did in a whole year of marriage
We were on the verge of divorce and now, instead, we are a
reunited family. We are eternally grateful."
KC & LC, Mill
Valley, CA
"There have been times when we
have not been able to work things out
for ourselves and our well intentioned endeavors have led
to increased upset and separation for us both. That's
when couples coaching has provided a compassionate space of
listening in which we can both experience being heard and
loved. This calms our emotional static and enables each of
us to listen more clearly and brings us to an understanding
of what's truly going on, setting us back on track for returning
to our loving and committed relationship."
LS & MS, London, England
"Without couples coaching and the
TYAL, we wouldn't be together today. The coaching pulled
us back from the brink two years ago and since then has supported
us through some truly desperate moments. With their loving
presence, skill, wisdom and ineffable "magic",
they create a safe harbor where hurts and conflicts can be
transformed into understanding and partnership."
LM & DG, El Dorado
Hills, CA
"The TYAL work was very
healing for me although sometimes I felt that my husband was
not hearing me. So afterwards, allowing ourselves to be coached
by Francine and Rita was a heartfelt experience, which gave
us the capacity to see what our true potential was as a couple.
We discovered how to embrace each other fully. For me, it
was an awakening of myself, which allowed for embracing my
beloved with an open heart. Thank you for the experience,
one that we will always treasure."
PB & BB, San
Francisco, CA
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College Hockey:Mallen Resigns at UMass-Boston
BOSTON — Joe Mallen has resigned as head coach at UMass-Boston to accept a job as head hockey coach at Middlesex School in Concord, Mass., where he will also work full-time in the admissions office.
Last season, the Beacons were 4-18-3 season, including 3-14-2 in the ECAC East.
That followed a 4-17-3 record last season, Mallen's first, which was a large dropoff from 1999-2000 when UMass-Boston went 13-12-0.
"It was strictly a family decision," Mallen said. "I've spent 24 years in college hockey. It was a great run and I have some wonderful memories, but this decision wasn't based on wins and losses.
"It's the perfect move at the perfect time for my family."
Mallen has three children, ages 13, 11, 5. Benefits of the position include free tuition for any of his children who attend the grade 9-12 school.
There are plans to build a new rink, according to Mallen.
Mallen, 46, returned to UMass-Boston, the place where his head coaching career began, after being fired from his job at UMass-Amherst following the 1999-2000 season. Mallen was UMass-Amherst's first coach upon return to Division I play in 1992-93, and went 77-144-18 in seven seasons.
Mallen is the winningest coach at UMass-Boston, and was 80-46-2 there during his first five-year stint. He won an ECAC Division III championship in 1981-82 when he led UMass Boston to a 24-3 record. The Beacons made the transition to Division II in 1982-83, and advanced to the ECAC Division II playoffs the following season.
In between his head coaching stints, Mallen was an assistant at U.S. International, and an assistant at Boston College for seven seasons.
The following is a self-policing forum for discussing views on this story. Comments that are derogatory, make personal attacks, are abusive, or contain profanity or racism will be removed at our discretion. USCHO.com is not responsible for comments posted by users. Please report any inappropriate or offensive comments by clicking the "Flag" link next to that comment in order to alert the moderator.
Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


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The size of layoffs in the first quarter of 2005
May 20, 2005
In the first quarter of 2005, 989 mass layoff actions were taken by employers that resulted in the separation of 156,252 workers from their jobs for at least 31 days.
The layoff events were concentrated at the lower end of the size spectrum, but the number of separations was more evenly distributed. Layoffs in the smallest category, 50 to 99 workers, accounted for more than 40 percent of events, but only about 20 percent of workers laid off. Layoffs involving fewer than 150 workers made up 70 percent of layoff events and only 39 percent of all separations.
On the other end of the layoff-size spectrum, separations involving 500 or more workers accounted for about 4 percent of layoff events; however, these layoffs accounted for nearly 23 percent of all separations. In the largest category, 1,000 or more workers, less than 1 percent of layoff events accounted for more than 8 percent of workers separated from their jobs.
These data are from the BLS Mass Layoff Statistics program. More statistics on layoffs and workers separated from their jobs can be found in "Extended Mass Layoffs in the First Quarter of 2005" (PDF) (TXT), news release USDL 05-873. The quarterly series on extended mass layoffs cover layoffs of at least 31 days' duration that involve 50 or more individuals from a single workplace filing initial claims for unemployment insurance during a consecutive 5-week period. These data are preliminary and subject to revision.
Bureau of Labor Statistics, U.S. Department of Labor, The Economics Daily, The size of layoffs in the first quarter of 2005 on the Internet at http://www.bls.gov/opub/ted/2005/may/wk3/art05.htm (visited June 26, 2016).
Recent editions of Spotlight on Statistics
Employment and Wages in Healthcare Occupations
Healthcare occupations are a significant percentage of U.S. employment. Some of the largest and highest paying occupations are in healthcare. This Spotlight examines employment and wages for healthcare occupations.
Fifty years of looking at changes in peoples lives
Longitudinal surveys help us understand long-term changes, such as how events that happened when a person was in high school affect labor market success as an adult.
- A look at pay at the top, the bottom, and in between
The Spotlight examines how earnings and wages have changed over time and how they differ within a geographic area, industry, or occupation.


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Robin Wright suffered a wardrobe malfunction caught on camera on Jan. 12 during the Golden Globes 2014. Her nipple was nearly on display, but just in case she encountered a slippage problem due to her skimpily cut gown, Robin had covered this part of her breast with a pasty. The pasty apparently came in handy and seemed to remain in place as her frock fell away from her breast during her acceptance speech in front of her peers at the Beverly Hilton Hotel.
According to Hollywood Life, this happened when Robin made a quick turn toward backstage as she was addressing her recent award for best actress for a television series.
Robin Wright, who stars in "House of Cards," seemed to remain nonplussed about the situation, as she continued to talk.
Meanwhile, the former wife to Sean Penn was in attendance at the Globes with her new fiancé, Ben Foster, with whom she gave a kiss before mounting the stage at the legendary hotel operating on the outskirts of Beverly Hills.
The offending dress Wright was wearing came from the fashion house of Reem Acra. It's from the designer's fall 2014 collection, and made the star look like a golden statue for her golden moment at the Golden Globes. (Insert snarky joke here).
That said, as Robin Wright suffered a wardrobe malfunction, her nipple cover was on display but her actual nipple was not. And isn't that the upside of the situation as far as this actress is concerned? For sure, it is.


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A pair of travelers journey down the Mississippi River for a slew of adventures in the seventh annual summer youth musical.
"Big River: The Adventures of Huckleberry Finn," is presented by Civic Amarillo and Amarillo Opera.
How to go
what: "Big River: The Adventures of Huckleberry Finn," presented by Civic Amarillo and Amarillo Opera
when: 7:30 p.m. Thursday to Saturday; 2 p.m. July 12
where: Globe-News Center for the Performing Arts, 500 S. Buchanan St.
how much: $23
information: 806-378-3096, www.panhandletickets.com"This show is toe-tapping, big-time, rollicking good fun."
- Linda Hughes, director of "Big River: The Adventures of Huckleberry Finn"
"This show is toe-tapping, big-time, rollicking good fun," said director Linda Hughes.
The musical stages at 7:30 p.m. Thursday to Saturday and 2 p.m. July 12 at the Globe-News Center for the Performing Arts, 500 S. Buchanan St.
Set in the early 1800s, "Big River," by Roger Miller, is based on Mark Twain's classic novel about Huck Finn and his journey down the Mississippi River with a runaway slave, Jim.
The characters make seven stops along the way, and each location involves its own wild escapade.
"As they go, they experience a lot of adventures, and Huck learns a lot about life," said Ryce Garren, 15, of Amarillo, who plays Huck on Thursday and Saturday.
"Overall, it's a great story line," he said.
"You laugh at some points, and at other times you want to cry. It's a feel-good show."
Ryan Sustaita performs as Huck on Friday and July 12.
The musical includes a cast of 53 and a student orchestra of 11.
The performers and musicians, all between ages 11 and 18, are from schools throughout the Panhandle.
More than 20 songs - gospel, bluegrass, country and other genres - are performed throughout the show.
"These students are masters at this music," Hughes said. "At some points, they are singing four-part harmonies. It's amazing."
Hughes said audiences will be treated to a scenic spectacle.
Set pieces include a stage-wide wharf, a massive river backdrop and a movable raft, among other eye-catching props, she said.
The show, which is narrated by Huck, has a steady pace, with seamless transitions from scene to scene, the director said.
"Audiences don't have to wait for set changes," Hughes said.
"The flow of the show is smooth and there's something to be watching the entire time."
The production, which has a G rating, runs for about two hours.
"This show will be a fun night for all," said Theresa Rowley, 17, who plays Mary Jane Wilkes, a character Huck meets along the way.
"There are some deep themes - like the pursuit of freedom and friendship - but humor is mixed in all throughout," she said.
"Big River," by Roger Miller, won multiple Tony Awards in 1985, including Best Musical.
The show was revived in 2003.
Tickets to the summer youth musical presentation are $23.
For information or to reserve seats, call 806-378-3096 or visit www.panhandle tickets.com.
Amarillo Globe-News © 2016. All Rights Reserved. Terms of Service | Privacy Policy / About Our Ads


text:
you interested in this topic.Then mail to us immediately to get the full report.
:- email@example.com
Types of Smart Antenna Systems:
Switched beam- a finite number of fixed, predefined patterns or combining strategies (sectors).
Smart Antennas for TDMA:
In a convetional time division multiple access (TDMA) or frequency division multiple access (FDMA) cellular system, carrier frequencies that are used in one cell cannot be reused in the neighboring cells, because the resulting co-channel interference would be too strong. Rather, those frequencies are reused at a greater distance. The distance (related to cell radius) between two base stations which use the same carrier frequency is named reuse distance D/R. The number of cells that have to use different carrier frequencies is called cluster size N or reuse factor. Typically, a signal-to-noise-and-interferenfe ratio (SNIR) of lODb is required for each user, resulting in a cluster size of 3 or more (N.=3) for sector cells.
Smart Antennas for TDMA (2): The increase in capacity can now be accomplished in different ways. One possibility is so-called spatial filtering for interference reduction (SFIR). Thereby, we can put base stations with the same carrier frequencies closer
It is assumed here that a smart antenna is only employed at the base station and not at the handset or subscriber unit. Such remote radio terminals transmit using omnidriectional antennas, leaving it to the base station to selectively separate the desired signals from interference selectively. Typically the received signal from the sparially distributed antenna elements is multiplied by a weight, a complex adjustment of an amplitude and a phase. These signals are combined to yield the array output. An adaptive algorithm controls the weights according to predefined objectives. For a switched beam system, this may be primarily maximum gain; for and adaptive array system, other factors may receive equal consideration. These dynamic calculations enable the system to change its radiation pattern for optimized signal reception.
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© 2006 V2 Computers E-mail


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COLUMBUS, Ohio -- May 23, 2003 -- The board of directors of State Auto Financial Corporation (Nasdaq:STFC) today declared a quarterly cash dividend of $0.035 per share, payable June 30, 2003, to shareholders of record at the close of business on June 13, 2003. This is the 48th consecutive cash dividend declared by the company's board since STFC had its initial public offering of common stock on June 28, 1991.
State Auto Financial Corporation is a regional property and casualty insurance holding company engaged primarily in writing personal and commercial automobile, homeowners, commercial multi-peril, general liability, workers' compensation and fire insurance. The company currently markets its products through more than 22,000 independent agents associated with approximately 3,500 agencies in 26 states and the District of Columbia. Products are marketed primarily in the central and eastern United States, excluding New York, New Jersey and the New England states.
Kyle Anderson
AVP, Director of Corporate Communications
(614) 917-5497
Tara Shull
Investor Relations and Finance Director
(614) 917-4478


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The store is out of what you need, creativity is running low and dinner hour is looming. What do you do? Turn to the beautiful basics.
Tonight, and many nights, it is roast chicken breasts. Start by searing them on the stovetop until golden brown, then finish by oven roasting. Easy, foolproof, and almost no recipe required. Success is guaranteed. It's restaurant trick. Sear and roast chicken breasts, bone-in for flavor.
Basic Roast Chicken Breasts
The store was out of boneless, skinless chicken breasts and there was but one package of bone-in breasts left. Amongst many shoppers, I quickly nabbed the last package to roast for dinner. I've never cooked roast chicken breast that my husband did not devour.
Go For Bone-In
Bone-in chicken breasts are an excellent choice at the market. The bone helps preserve flavor and moisture, and they are about half the price of boneless, skinless breasts. All of this, and you can have them on the table in about 35 minutes. An added benefit is part of the time is hands off; you can make some vegetables, toss a salad and finish the rest of the meal.
Even without sauce, roast chicken breasts taste great when well seasoned, seared and finished in the oven. Once you do this you won't need a recipe. It's all about technique. Roasting chicken breasts will become one of your basic go-to solutions for getting dinner on the table.
How to Prep Chicken Breasts
Start by trimming off the rib bones and any extra skin or fat with a cleaver or sharp heavy knife. This gets rid of extra little bones many people don't like dealing with and makes for a much nicer, cleaner presentation.
After trimming, season well with kosher or sea salt, black pepper and granulated garlic. Heat a stainless steel sauté pan, or fry pan over medium heat for a minute or two. Add 2 teaspoons of olive oil. The oil is hot when it moves around freely in the pan and liquifies. Don't let it smoke, which is the sign it's too hot.
Sear and Oven Finish
Place the chicken breasts in the pan top side (skin side) down. The chicken should sizzle when it hits the pan. Allow a golden crust to form, then turn breasts over and add wine (or broth). Allow liquid to cook down for one minute, then place chicken breasts on the rimmed baking sheet and pour liquid over the top and finish roasting in the oven.
Roast chicken breasts until a digital thermometer (I use a Thermapen) reads 160 degrees in the thickest part without touching the bone (you'll get an inaccurate reading). The temperature will rise to 165 degrees upon standing for a few minutes before serving. Use the juices like a sauce when it's done if desired.
If you have chicken breasts of different sizes, the smaller ones will roast faster. Test them first ( at about 20 minutes depending on size) and remove from the oven. Cover with foil and set aside to stay warm, or place in a 200 degree second oven or a warming drawer.
Simple Technique-Make Extra for Leftovers
Try this simple technique for roasting chicken breasts and add it to your repertoire for getting a good dinner on the table. Extra chicken makes wonderful chicken salad for lunch the next day, so have no fear of leftovers or buying more than you think you need. I always plan for leftovers.


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District 5 Commissioner Cecilia Jones announces that Chat Holly Road in Santa Rosa Beach is going to be re-paved after years of deterioration and temporary fixes to the surface.
The 3-mile road project is mostly being funded through a grant from the Florida Department of Transportation. Any remaining funds needed to complete the project will be considered by the Walton County Public Works Division.
Chat Holly Road runs parallel to Highway 98 in south Walton County and is used by many local drivers going to work at hotels, resorts, restaurants and other businesses.
"Resurfacing Chat Holly Road has been one of the biggest citizen requests in my district," says District 5 Commissioner Cecilia Jones. "Chat Holly has been a popular road for local drivers, and it has deteriorated so much throughout the years. Our Public Works team has done a great job patching the road and keeping it open with limited funds, but it's now time to improve the overall driving situation along this heavily-used route," she says. "I'm very proud to see the county receive this grant, and I'm grateful to the Florida Department of Transportation, our county grants department and Public Works team in making this project finally come to fruition in my district."
County Public Works officials say they are scheduling the resurfacing project to begin by the end of the year.
Officials expect the project to last about a year, which includes the replacement of two bridges along the roadway in addition to resurfacing the entire length of Chat Holly.
For further information, contact Commissioner Cecilia Jones at 231-2978 or the Walton County Public Works Division at 892-8108.


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We absolutely adore Ben and Linsey's California e-sesh. Norman Rockwell meets rustic-vintage with a modern twist. With multiple setting and clothing changes, their engagement photos are chocked full of interesting colors and textures. LOVE! Are you looking for unique engagement photo ideas? This session has a ton of creative colors, poses and places to stir your imagination i.e a greenhouse, in front of an old trailer, a vintage gas station, a red barn, and a blue picket fence. Oh, add in a field, a couple of horses, a tractor, and a stellar sunset. Need we say more?
Congrats Linsey & Ben!
Can you imagine Linsey and Ben trying to choose just one photo for their save the date? With as many photos as fabulous as these, we'd recommend going with a multiple photo save the date to paint a bigger picture from such a fabulous day.
Photo Credit
Photographer: Ian Andrew Photography
Submitted via Two Bright Lights


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UTHealth contracts with University Accounting Service (UAS) to offer convenient repayment methods for loans administered by UTHealth or, in other words, institutional loans. Contact your lender regarding payment options for Stafford and other loans you've received that are not listed on the Loans at a Glance page. Students, graduates and alumni have the option to pay institutional loans using electronic check (ECHO) or by U.S. mail. UAS also provides loan services to UTHealth students. Contact the Office of Student Financial Services (SFS) for detailed information. Student loan payments are typically due on the 1st of each month.
Pay Online:
Login to your account to view your payment history
Complete the UAS Automated Clearing House (ACH) form to to have your payment debited from your bank account automatically using electronic checks and eliminate the worry that comes with making payments on-time. To use the automatic bill-pay option offered by your bank, please contact UAS for instructions; 1-800-999-6227.
Mail Payments:
Make your check payable to University of Texas Health Science Center at Houston. Please include the remittance portion of your billing statement. If you do not have the remittance portion, please write your account number on your check.
Available if:
In order to setup a temporary repayment plan, it is required that borrowers submit an application to their loan service provider. If you obtained a institutional loan from UTHealth, you must complete the Financial Arrangement Form. For Stafford loans, please contact your loan service provider for details.