text:
- Report: #576200
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Complaint Review: Straight Talk Wireless
Straight Talk WirelessInternet United States of America
Straight Talk Wireless StraightTalk will take you money and not provide service Internet
*Consumer Comment: SAME THING HAPPENED WITH US
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This report was posted on Ripoff Report on 03/01/2010 02:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/Straight-Talk-Wireless/internet/Straight-Talk-Wireless-StraightTalk-will-take-you-money-and-not-provide-service-Internet-576200. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
AUTHOR: Gayle - (United States of America)
SUBMITTED: Monday, July 19, 2010POSTED: Monday, July 19, 2010
My husband had to buy another one (even though we have another month on both phones) for his work. I refuse to use their crappy service and give them anymore money. I've never seen where they say you cannot load more than one card on your phone for unlimited -- and they are offering now in the store 3 month cards... what's the difference? I bought 4 one month cards....whats the difference?
Very highly upset in Liberty, Texas. I'm taking them to small claims court over it
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Being Self Employed in the USA
Hi guys,
My wife and I will be moving from the UK to the USA within the next few months as we have, at long last, had our Green Cards approved!
In the UK being Self Employed isn't much of a headache... I earn money as an Actor, Photographer, Sound Recordist, Filmmaker and pretty much whatever other casual jobs come my way.
I'm not earning a massive amount, but I get by!
I hope I'm missing something but it seems like this way of life might just be impossible in The States if I want to be able to:
Have Health Insurance,
Run a Car,
Have a Cell Phone,
Are there any self employed chaps on here who could possibly shine some light at the end of my tunnel?
We're making the move because we both work incredibly hard in the creative industries in the UK. But for the past few years over here this work has been considered something you do for free. Unless you are very lucky and very well connected. We're getting better on both fronts but we've thought long and hard, vistited the USA a few times, worked for American companies, made some great contacts, fallen in love with the place and decided that it is where we want to call home...
I'd rather not have to get a job at Mcdonalds though...
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#1. "RE: Being Self Employed in the USA" | In response to Reply # 0dagoldst Nikonian since 02nd Dec 2012Wed 27-Mar-13 10:14 AM
You can work on your own over here and probably do most of what you listed if you live in the right place, but there are a few challenges initially.
The new healthcare act makes insurance available to folks working on their own where you can buy in a larger, hopefully more affordable pool , but I have no idea how it applies to someone from out of the U.S and it is in the process of being implemented. You certainly can buy a policy from a company, but that will be expensive.
Credit is another topic. I have no idea how someone coming into the country will be viewed by the credit agencies, it is something you should check out when it comes to renting a place, getting a car, etc. One thing for sure, unless you have cash, you need credit to live and get anything in this country.
I am curious what state you are headed for - unemployment is highly variable right now, some states much worse than others.
"Extraordinary claims require extraordinary proof " - Carl Sagan
#2. "RE: Being Self Employed in the USA" | In response to Reply # 0benveniste Nikonian since 25th Nov 2002Wed 27-Mar-13 01:02 PM
I'm not self-employed at this time, although I gave substantial thought to it earlier this year.
Approximately 15 million people in the U.S. are self-employed, but it's challenging no matter where you live. You need hustle, social skills, patience, and a bankroll to build up contacts and a client list. Luck helps a lot, but you'd better be prepared to make your own luck.
I suggest you look at the U.S. small business administration website, starting with the advocacy page. You may also wish to contact the Chamber of Commerce for where you plan to move.
Good luck, and if your travels take you to New England drop me a note.
"There is no real magic in photography, just the sloppy intersection of physics and art." — Kirk Tuck
#3. "RE: Being Self Employed in the USA" | In response to Reply # 0mklass Nikonian since 08th Dec 2006Wed 27-Mar-13 02:53 PM
I was self employed for 15 years, and the main thing you need is a good credit rating and a steady income stream. If you can demonstrate those, there is not much that is a problem.
Health insurance for the self employed is really no more expensive than it is for others, it's just that you are covering the entire cost yourself, not just the part not paid by your employer. Belonging to a group, such as a Chamber of Commerce or some professional organization that offers the ability to get into a group health insurance plan is a good idea.
If you a coming here on a shoe-string, you may have some problems. If you are coming here with cash in the bank, some other assets, and existing credit card, you'll not have much difficulty getting started.
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#4. "RE: Being Self Employed in the USA" | In response to Reply # 3Wed 27-Mar-13 06:32 PM
Thanks Guys,
It's reassured me a bit
We've been looking into credit ratings... we both have very good ones in the UK but it doesn't seem easy to transfer them to the USA.
Apparently however, AMEX can help if they like us in the UK, so we've both got new cards with them and are spending like crazy on them (and clearing it each month!). HSBC might be able to help too...
It seems like the health insurance business is going through a bit of a transitional phase at the moment.... maybe it will work out for the better
Oh and.... rather predictably I'm afraid, we're heading for LA....!
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#6. "RE: Being Self Employed in the USA" | In response to Reply # 4Wed 27-Mar-13 09:05 PM
Creditors can get an international credit report. We got them all the time for folks applying for mortgages. Find a CPA who can get you out of the 15.3% self- employment tax by having you incorporate and take a nominal income from the corporation.
Scott Chapin
Powder Springs, GA, USA
Nikonians Team Member
#11. "RE: Being Self Employed in the USA" | In response to Reply # 4kentak Nikonian since 03rd Jul 2010Mon 08-Apr-13 11:52 PM
Oh my. I believe the cost of living is quite high in L.A./CA. I trust you've done some research regarding the biggies like housing, taxes, etc.
I wish you the best of luck if you make the move. That's quite gutsy.
#17. "RE: Being Self Employed in the USA" | In response to Reply # 4grizzly200 Registered since 18th Dec 2011Sun 21-Apr-13 03:00 AM
Get with a good, trustworthy tax advisor who can help you navigate the Federal and California State Self-Employment tax setup. The cost of living here in California is relatively high, but we save money and headaches not dealing with the weather troubles others in the country do.
#25. "RE: Being Self Employed in the USA" | In response to Reply # 17Sun 15-Sep-13 07:58 PM
>Get with a good, trustworthy tax advisor who can help you
>navigate the Federal and California State Self-Employment tax
>setup. The cost of living here in California is relatively
>high, but we save money and headaches not dealing with the
>weather troubles others in the country do.
Provided you're not concerned with earthquakes, landslides, huge forest fires!
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
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#5. "RE: Being Self Employed in the USA" | In response to Reply # 0
I was self-employed for much of my career, and it certainly has it's advantages. As long as you have a source of work or a few clients to generate income, it will not be difficult.
My caution is that we have this thing called an income tax, at both the Federal and State level (in most states). When you're self-employed, the taxing authorities expect you to estimate your taxes and make a payment to them four times a year. They won't send a bill; you're expected to do this voluntarily. If you don't make the quarterly payments and end up owing a lot of tax at the end of the year, you will be assessed penalties that can quickly get to an additional 15% of your tax bill.
The first $18,000 - $19,000 of your earnings should result in zero income tax, but there is also a mandatory self-employment tax (which contributes to the social security retirement benefits and to medicare), and that self-employment tax is currently 15.3%.
This is a fairly complex area, but you can master the basics easily. If you have enough income, none of this will matter much, and if you have little income, there won't be any income tax -- just self-employment tax.
Now you won't be surprised and can plan for this. You can gripe about the taxes, too, like many of us do.
The British I have known all like the US pretty well. Good luck and welcome.
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#7. "RE: Being Self Employed in the USA" | In response to Reply # 5Rotts3 Nikonian since 08th Feb 2013Wed 27-Mar-13 09:16 PM
I was self employed for almost 20 years and for most of that time I was a member of NASE, National Association for the Self Employed. I used them to get health insurance/dental and they even helped with auto insurance at one point.
Google them, they have a web site. I am an employee for a company for the last 2 years so I am not 100% current on this.
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#8. "RE: Being Self Employed in the USA" | In response to Reply # 0
Hello! I am a transplanted Brit (Plymouth) have lived in the USA for 35 years and was self employeed (not in the creative arts tho')for 10. LA is going to be an interesting change from Liverpool:-) but hopefully you have sussed it out. Others have alluded to the benefits of arriving with some capital in hand. Credit rating is super important so take great care never to be late on payments. An odd thing is that the more credit cards you have/use/pay on time the faster, within limits, your rating goes up BUT if you cancel them after a relatively short time that can count against you!
Housing will be expensive in the LA area but probably on a par with large cities in England, at least from what I saw last May on a trip over there. You would be well advised to get yourself a good CPA from the get go who can give you guidance re things others have mentioned. Health care here is much more expensive than there but probably equal to or better than NHS. Deductables for self employed is another area for a good CPA. Unless you are USA equiped don't go the DIY route on that stuff.
Hopefully you already have usable connections in your areas of experise here. I suspect the same is true of England that is unions can be a consideration if not necessary membership. If renting accomadations be prepared for a minimum of 1 year lease requirement with typical "first and last" months rent up front plus a security deposit and if you need furnished that might be more difficult to obtain. Good luck on your adventure and if there is anything else I can help with please shoot me off a private e-mail.
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#9. "RE: Being Self Employed in the USA" | In response to Reply # 0
I have always worked for international companies, and have seen colleagues transferred into the USA from overseas. The credit issue can be a problem. I have seen a few ways to get credit going. 1. if you buy a car, and even if you can buy it all cash, try to at least take a small loan that can be serviced. 2. Your bank should be able to offer you a credit card (visa or mastercard) backed up by a couple of thousand $ on a separate account, 3. Department stores (such as Macy's/Penny's etc) have traditionally been an easy place to get a credit card, even if it only has a small limit (say $500), although I understand this might not be so easy anymore.
Good luck!
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#10. "RE: Being Self Employed in the USA" | In response to Reply # 9Thu 28-Mar-13 09:24 AM
I would use department stores as a last resort though. Cetus Paribus, a credit score built on department store revolving accounts will be lower than those built on bank cards. Also, don't run the balances up to their available balance. Keep the balances below 70% of the limit and preferably less than 50%.
Scott Chapin
Powder Springs, GA, USA
Nikonians Team Member
#13. "RE: Being Self Employed in the USA" | In response to Reply # 0
I grew up around our family business having worked there since I was a kid during holidays and in the summer. When I completed college I ran our business for 10 years. Since then I have worked in the public sector, run a local government health care organization, worked in higher education and now in the non-profit arena. I've been in financial management my whole career. In my 37 years experience I have to say I have never seen a more challenging and difficult business environment as I see today. While I am not talking necessarily about the economic forces at play, although the uncertainties of a slowly recovering or even stagnating national economy has some bearing, I'm talking about the coming nationalization of healthcare here in the United States and increasing pressures coming from Washington and some state governments to address the increasing debt positions of the public sector. This more than anything else is placing a fog of uncertainty on the market making a lot of the private sector players and their capital sit on the sidelines until things become more clear. I can tell you you can expect more government intrusion in small business as the huge bureaucracy of national health care begins to unfold.
I'm not saying that there is no opportunity because a true entrepreneur sees opportunity and seizes it, but you'll certainly have to see things from a fresh perspective in order to make your new venture a success.
Ernesto Santos
esartprints.com Ernesto Santos Photography
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#14. "RE: Being Self Employed in the USA" | In response to Reply # 0
I have been self-employed all my life primarily in the creative fields of recording so have a little different perspective than most.
If you are really well funded in this move, you will find little problem with transition but finding clients unless you already have them is going to be tough. There are a million people trying to find the 10,000 clients with a budget now. That is quite different than decades in the past when specialties were not over populated with people who are hobbyists trying to pose as pros, which muddies the waters and drives prices down for creative services. Any gas station attendant or waiter will tell you they are really a actor or writer or something else in LA, even before they hand you a menu or take your cash for fuel.
A lot of things will be different, for one you have much better health care systems in place where you are, which will be one of your major expenses after moving. The last time I had private insurance in the US, it was $825 a month and the only time I tried to use it, coverage was denied so I had to leave the country to be able to afford a needed hip replacement ($90,000 versus $5700). Keep your national health services status in case of major illness or surgery is needed.
A flight back home is a lot cheaper than a couple visits to a doctor. If you need any medications, stock up before you move, you will NOT like the prices of common pharmaceuticals, which are 4-100 times higher.
Being self employed is really pretty easy in the US. File for a tax payer ID number, get a local business license, get a social security card...all these things are quite and easy to do. My own dealings with the government offices have been quite pleasant and models of efficiency contrary to popular notions.
Unless you are really lucky you will likely find your quality of life drop somewhat or a lot since services, public facilities, local education, access to the arts etc are less than a UK or European is used to. The economy is not good for those already not wealthy, there is not the opportunities to migrate between economic classes like there was in the 50's, 60's and 70's or the boom times in the creative arts fields of the 60's 70's and 80's. For example I never accepted a recording project back then without a $250k production budget but now the norm is $40k which is not enough to have a staff or pay for the equipment. Same with photography, where paying gigs are fast fading away as the line between hobbyist and pro blur into unrecognizability.
I suppose you have a client list already in the US or else it makes little sense to move with all the roadblocks now. The biggest one is the cost of getting established. You will have $20k-40K in start up costs to get a place to live, the needed car(live is not possible in California without a car since the whole society was built around it and spread out over vast areas of low population density), reserves for living expenses before the income level needed to sustain life is achieved, and many costs that you might not have now. I feel sorry for recent grads starting life now in the US where they start with a real deficit that we were not burdened by when I got out of university. It was really easy to get started. My tuition and an apartment was covered by a part time job. Now the same degree would result in $50,000 in debt, and few job prospects. Luckily I was never one to seek a job, and have only worked for myself from 13 years of age on.
I travel the world and have seen a stark change in relative opportunities between countries. The US is not a great option now, it was the best option 30 years ago. I even find more opportunities for creative types here in St Petersburg Russia whether in business start ups, or arts etc. A group of 45 people met last night, mostly foreigners as members of Internations, an international expat club that has monthly social events....this one was a weekly English Tea, (most are large 300+ restaurant or hotel get-togethers with 40-50% of members being young local professionals). This very subject came up about which countries are the best for opportunities and quality of life and options to create a new business. The range of countries topping the lists last night was quite different than it would have been 20 years ago. Number one by agreement was Singapore, followed by a few Central European countries that were nowhere on the list 20 years ago. The main problem with the highly developed countries is stagnation in imagination and sinking quality of life in the last dozen or so years. Overall Europe and Scandinavia still have the best quality of life but they are not progressing and the US has been regressing for a number of years so the middle class is shrinking and underclasses are growing. I think you missed the golden years in the creative fields by 20 years.
There are more opportunities in smaller or regional markets, with some smaller cities bucking the downward quality of life trend. If you have the client base, you might be able to avoid the masses of starving competition but if you do not have an income stream waiting for you to show up in LA, I really suggest visiting many areas for a few weeks each before making the move. Your money will go further in some other parts of the country, and there will be less competition for the clients who are accessible.
One area of relative merit you will like, most items for purchase are cheap, lower than anywhere to buy things, not services but things like cameras, personal electronics, houses and cars. But the downside it that you need to buy much more and incur more bills. Everything has an extra cost or fee except a simple retain purchase. The one pleasant aspect of moving here there are no monthly bills except one unified utility bill for electricity, water, hot water(used for space heating), sewer, maintenance, garbage collection, community antenna, gas and a dozen other items that adds up to $50. If one is low on cash, they can skip the payment and only after a year or two of skipping will there be any questions asked.
In Northern California, where I still have 1 house, there are two dozen monthly bills just for basic services in a home that is empty. When I was living there, my water and electricity was combined to over $1000 a month and we did not even have air conditioning(did not need it on the Pacific Ocean) or have a yard to water. Many services you take for granted in the UK as part of the Commons, is covered by the higher taxes but in the US, everything has a fee but taxes are lower as is fitting since services are lower.
I think you need to visit longer, don't cut ties there for housing or sell your car yet. Go to the US and see if you can become self supporting in a set time span, maybe 6 months. The realities will become more apparent when trying to get started than just visiting or on temporary work assignments.
Good luck. Sorry I have had to be so down on the prospect but I am probably one of the few who has seen a wide range of locales and work from the creative production side.
St Petersburg Russia
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#15. "RE: Being Self Employed in the USA" | In response to Reply # 14Tue 16-Apr-13 09:45 AM
A thorough, thoughtful and thought provoking post. Last post by the OP was on 3/27 when he said they were going to do it so it would be interesting to see what impact all the good advice offered by posters has had on their thinking and plans. OP, update us please and it would be great if from time to time you could come back with status.
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#16. "RE: Being Self Employed in the USA" | In response to Reply # 14bgs Charter MemberTue 16-Apr-13 12:51 PM
Excellent post Stan,
Lots of good advice in your post and in the others. Basically> Do not burn bridges and probably keep at least health insurances intact, check out various locations of the country, beware of the monster competition by the hungry millions and service levels and utility costs should not be under over/under estimated either.
Bo Stahlbrandt - Founder & Administrator. I am mainly located in Bratislava, Slovakia.
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#18. "RE: Being Self Employed in the USA" | In response to Reply # 16Fri 26-Apr-13 08:01 AM
Wow, Stan really shocked me when he said that the quality of life in Russia is higher than here. Never having been there I can't make any direct comparison, but I guess it depends on what is important to you. While LA would not be my first choice of places to live I can tell that the climate there has to be better than Russia (at least for most people.) Lots more people trying to get into the USA than any other country in the world which must tell you something about possibilities here. The ability to move upwards still exists although it has been harder in the last few years. Nevertheless, new millionaires are being created every day. Work hard and you will get ahead.
Back to the OP's questions. I used to be an international banker here in Florida for many years, and I can confirm what others have said about the difficulties in getting credit. And don't think about overdrawing your bank (chequing) account; big no-no. In a city as big as LA there has to be some type of British-American Club, and I would suggest that you search them out. Typically immigrants (of which I am one)tend to congregate together for the first generation. Lots of ex-pats in LA.
Finally, you will quickly learn that we speak a different language here and everyone has a strange accent. People will think that your "accent" is cute even though you know that you don't have an accent
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
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#19. "RE: Being Self Employed in the USA" | In response to Reply # 18Fri 26-Apr-13 09:59 AM
Don't worry about the accent. The British accent is beautiful. Down here in Atlanta, everyone says I talk like a Yankee. When I go home to the shores of Lake Erie, my relatives/kin folk say I sound like a "Suthnr". So I'm am ex pat wherever I go!
Scott Chapin
Powder Springs, GA, USA
Nikonians Team Member
#20. "RE: Being Self Employed in the USA" | In response to Reply # 19Fri 26-Apr-13 10:07 AM
Ah, but in Atlanta there aren't any true "Suthnrs". Most people there come from out of state. Now, get up to Cummin, GA and that's a whole different story.
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
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#21. "RE: Being Self Employed in the USA" | In response to Reply # 20Tue 30-Apr-13 10:54 AM
Hello Chaps,
Sorry for not being on here recently and thank you all, especially you Stan, for your input!
As things stand we HAVE to be Stateside before September 11th (hopefully that's not a bad omen...), for our Green Cards to be valid. Apparently the time restriction is because the (very thorough, I can tell you) medical exam we both had to have is only valid for 6 months. I believe we should expect one more grilling from Border Control at the point of entry and then, once or Visa's are stamped, our actual Green Cards will be delivered and we will be obliged to make the USA our permanent place of residence....Yikes!
I really do need to check out what our status with the UK NHS will be once we've left... I have an Australian friend who is now a New York resident, who returned to Oz when she developed colon cancer because she could be treated for free still there. Hopefully it would be the same for us. She is an actress but she also works part time for a Gym as a personal instructor - this gives her access to good, affordable health insurance. So I think we may look for something similar on the side. I have worked a lot for Madame Tussauds all over the world and they have an attraction in Hollywood so that might be a possibility.
One of the beauties of the Green Card is that we are free to look for any work. Originally we had planned to apply for '01 Entertainments work Visas'. But we have a few friends who went this route and could only survive for 6 months to a year, as well as hearing many other horror stories of people who made the move on the 01 visa and had to come home early after spending all their savings because they couldn't find any work in the Ents' field and weren't legally allowed to do anything else. Apparently a lot of big employers and studios don't like to take on 01 Visa's, probably because there's been such an influx of them (mostly from the UK :-/). I know there are some pretty unscrupulous companies producing fabricated resume's and press packs to bump up an actors profile so they can get a visa easier and I think the clampdown is due to this.
So we're very pleased to have a Green Card!
Stan please don't worry about painting a picture of doom and gloom. It's best to be prepared for the worst. I'm under no illusions that the streets of LA are paved with gold and we are bracing ourselves for a rough time at first. But I really can't imagine the situation being worse than the UK is now. Actors and Photographers I have spoken to in the USA all say how tough it is to get work at the moment. But when I tell them what it's like here now...how most of the work is done for free or on the promise of future 'profit share' or 'career enhancement' other than for the very few established or well connected who never stop working (poor loves!). They do concede that there is SOME work and it does pay at least a little.
I think the common assumption here is that life in America is cheaper and better. But as you say things are never that easy. I think costs maybe balance out over time. For example, you can buy, tax and insure a very good used car in the UK for under $1600...I don't think that's possible in the USA. The trouble is you can't afford to drive anywhere because petrol (gas!) costs are RIDICULOUS. And if you do drive you will just sit in traffic because there are TOO MANY PEOPLE IN THIS COUNTRY Haha. We get free healthcare...but actually it's not free because we get taxed so much and paid so little... Swings and roundabouts!
I watched a Creativelive (Brilliant site, love it!) workshop recently hosted by British fashion photographer Lara Jade. She was asked why she'd moved to NY from London, when she'd been doing so well in the UK. She basically said (in the most messed-up accent ever!) it was because she'd like to be paid for her work....!
One thing that does seem to be easier in the UK is our film production work...and for precisely the same reasons I've just been whinging about!
Our first feature film (www.longtails.co.uk and shot on D800's + Atomos Ninja2's!) had a budget of just over £100k.... but because we didn't pay anyone upfront, it cost us £20k. I really don't think this would have been possible in The States?
We really didn't feel good about not paying upfront so we've been very generous with back end payments in our contracts. We were absolutely inundated with people wanting to work on our 'Free' film. And it's not like they were fresh out of film or drama school, they were mostly established industry guys...working for FREE.
As a side note, the rough cut trailer we've had cut has whetted the appetites of a few distribution companies and we are quietly confident we'll be able to pay everyone and turn a nice little profit to boot. so hopefully the gamble (with all of our USA savings!) will pay off...
So the plan is to come back to the UK once a year to produce a movie until we're properly established over the pond
Wow this has turned into quite a post, sorry! Haha
I'm still very excited and nervous about the move though. And there's still so much to get sorted... I'll try and keep this thread updated from now on (maybe with less lengthy and whingey posts...!)
Thanks again all
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#22. "RE: Being Self Employed in the USA" | In response to Reply # 21Tue 30-Apr-13 11:43 AM | edited Tue 30-Apr-13 11:46 AM by limeyzen
Good to hear from you and that your plans are progressing. I am also a green card holder so a couple of things to remember. Carry it with you most if not all of the time especially when travelling out of the USA (required for reentry). I once got held up at the Canadian border, when returning, for a whole day 'cause I forgot to take it with me. And it will need to be reissued/renewed every 10 years. I don't know what the NHS rules are today (I relocated 35 years ago) but back then there was a time limit on how long one could be out of the country before entitlements ceased. I suspect that if you are returning once a year and can show some portion of your income as generated in th UK that might suffice. Check it out. Finally re your comment on making the USA your permanent residence as far as I know that is only a matter of your postal address and if you remain UK citizens you can still maintain an address in the UK if that is advantageous. And remember that the USA and UK have reciprocal tax agreements so, for instance, if I returned to England all of my USA Social Security and IRA benefits would be tax free in the USA but taxed in UK (I have this crazy idea of going back ) However, in order to get that I would have to formally renounce my USA residency and thus give up my green card. In your case the reverse can apply so you may want to check out what happens to any UK generated income as far as USA vs UK taxation goes. Stay in touch and let us know if we can help.
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#23. "RE: Being Self Employed in the USA" | In response to Reply # 22Sun 15-Sep-13 07:18 PM
Quick Update time!
My wife and I (we got married on August 25th!) arrived in San Francisco on August 30th... It's taken a few weeks to get sorted with things like bank accounts, cell phones (expensive compared to UK)' a car (VERY expensive compared to UK!).
We're getting settled with some of my wife's relatives in a beautiful little town called Alameda. It's all a bit strange really, everything is kind of the same but different (can't get my head around some things like parking restrictions which don't make sense to my English brain!)
In a week we're packing up the Saab ("Oh....you bought a European car....?!" Is a common, confused reaction!) and heading down to LA. We've got a nice beach cottage lined up in Huntington for a month while we try and find an apartment.
It's all a big adventure
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#24. "RE: Being Self Employed in the USA" | In response to Reply # 23Sun 15-Sep-13 07:55 PM
Welcome to the USA and America's left coast. I'm not too surprised that your car was more expensive in California. It's one of the most expensive states to live in. Gasoline (petrol) is cheaper here than in the UK but, in California, it is significantly higher than the other states except for Alaska and Hawaii. BTW, if you hear the term "lower 48" or "CONUS" it is referring to the 48 contiguous states or continental States.
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
Visit my Nikonians gallery.
#26. "RE: Being Self Employed in the USA" | In response to Reply # 24Sun 15-Sep-13 08:14 PM
Thanks Graham!
There's so much to learn....
Gas prices are an interesting one. I originally wanted to buy a Range Rover or Jeep with a V8 (childhood fantasy!). Because even if the gas prices here were twice the price, it would still be less than we're used to paying back in the UK!
Looking for apartments we kept coming across the phrase:
'420 Friendly'... That was a bit of an eye opener!
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#27. "RE: Being Self Employed in the USA" | In response to Reply # 26Sun 15-Sep-13 08:18 PM
I have no idea what 420 friendly means. Then again you are in California where some people say they are on a different planet. After all Gov. Jerry Brown is called Governor Moonbeam!
And if you buy a V8 you will be on the wrong side of the "greens".
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
Visit my Nikonians gallery.
#32. "RE: Being Self Employed in the USA" | In response to Reply # 27Tue 17-Sep-13 12:43 AM
It means you can smoke pot on the premises. Google is a wonderful thing.
Scott Chapin
Powder Springs, GA, USA
Nikonians Team Member
#33. "RE: Being Self Employed in the USA" | In response to Reply # 32Tue 17-Sep-13 12:46 AM
>It means you can smoke pot on the premises. Google is a
>wonderful thing.
Okey Dokey then!
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
Visit my Nikonians gallery.
#28. "RE: Being Self Employed in the USA" | In response to Reply # 26Mon 16-Sep-13 12:06 AM
I drive a Jeep, you'll love it. BTW, Jeeps come with V6's not V8's.
Ernesto Santos
esartprints.com Ernesto Santos Photography
Get my new e-Book "Churches of Texas"
#29. "RE: Being Self Employed in the USA" | In response to Reply # 28Mon 16-Sep-13 01:00 AM
>I drive a Jeep, you'll love it. BTW, Jeeps come with V6's not
Pretty sure the 2001 Grand Cherokee's I was looking at had either the Straight 6 or the 4.7 liter V8!
I ended up going for a Saab 9-5 Aero with a nice 'little' 250bhp 2.3liter turbo. Tasty!
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#30. "RE: Being Self Employed in the USA" | In response to Reply # 29Mon 16-Sep-13 01:26 AM
I thought that Saab had gone out of business.
From St. Augustine, FL. "I like photographers, you don't ask questions." Ronald Reagan to White House Press Photogs
Visit my Nikonians gallery.
#34. "RE: Being Self Employed in the USA" | In response to Reply # 30Tue 17-Sep-13 02:35 AM
>I thought that Saab had gone out of business.
I believe so... Although there was talk of Spyker resurrecting them. With our budget of $5000 to buy a car though it doesn't really affect us!
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#35. "RE: Being Self Employed in the USA" | In response to Reply # 34km6xz Nikonian since 22nd Jan 2009Sat 21-Sep-13 06:11 PM
Good to see you made it to San Francisco. The fall is usually pretty nice for weather. I will probably be back there for a week or two towards the end of the year. The one feature of going back is getting to drive since I do not have or need a car here. I get my only car i did not give away in the two weeks ib which I gave everything away before abruptly moving here 10 years ago. It is the last of my collection of classic 60's and 70's Italian GTs 13 Maserati's. This one is a Bora. The north coast and Sierra mountains are great "drivers" area, few people and tight twisties for 100 miles at a stretch. I see a lot more super cars here than back in the states where collectors tend to keep them garaged. Now I spend my time socializing and with cuktural events and even work in a few photo
St Petersburg Russia
Visit my Nikonians gallery.
#31. "RE: Being Self Employed in the USA" | In response to Reply # 29Mon 16-Sep-13 12:35 PM
Okay, yes, you may be right. I was thinking about the Wranglers (the traditional models based on the old Army Willys).
Ernesto Santos
esartprints.com Ernesto Santos Photography
Get my new e-Book "Churches of Texas"

subset: commoncrawl


text:
Malignaggi: I Would Knock Hatton Out in a Rematch!
By Ryan Burton
A very fired up Paulie Malignaggi joined us on the most recent edition of BoxingScene's official audio show, The Boxing Lab. The Italian-American fighter spoke on a variety of topics including a potential future rematch against Ricky Hatton.
Malignaggi would like nothing more than a chance to avenge his 2008 TKO loss to Hatton. Not only is he confident of coming away with the victory but he feels that he would stop The Hitman.
"There is no doubt in my mind that I beat Ricky Hatton in a rematch. I am more confident than I was in the Juan Diaz rematch. I guarantee that I won't lose one second of one round against Hatton in a rematch and I will knock him out."
Malignaggi was trained by Buddy McGirt for their first encounter and said that the trainer was a bad fit for his style. He thinks that he would stop Hatton at any point in his career where McGirt wasn't in his corner.
If the Hatton rematch comes to fruition, he doesn't want Hatton's three and a half year layoff to be an excuse should he lose.
"(Knocking Hatton out) has nothing to do with the layoff. He could have fought me in 2005, 2006 or in 2012 and I would have knocked him out. My only regret is that I didn't have this team around me earlier in my career when I was in my prime," Malignaggi explained.
Malignaggi wants nothing more than a Hatton rematch but said that he isn't going to let the Brit dictate all of the terms of the fight. The first fight took place in Las Vegas where Hatton routinely drew thousands of fans. Malignaggi said that he will have a say in where the rematch takes place.
"Ricky is not the only option. I'm the world champion. I have a say in that. There are other fight fights that interest me. Devon Alexander interests me and so does an Amir Khan rematch," Malignaggi revealed.
You can listen to the interview in its entirety by clicking here: http://tobtr.com/s/3740637
Send questions or comments to [email protected] Follow Ryan on Twitter @ringsidewriter and tune in to The Boxing Lab, BoxingScene's official audio on Tuesdays. The show is hosted by Ernie Gabion, Luis Sandoval and Ryan Burton
this is one thing i like paulie, he always speak like a clown...his biggest punch cannot even down ivan calderon...Comment by DiegoFuego on 10-11-2012
Sometimes I think Malignaggi suffered brain damage in the Cotto fightComment by daggum on 10-11-2012
[QUOTE=Corelone;12596335]I'm going to give credit where it's due and then ... [B]Paulie did not cherry pick anything. He fought with real contenders. [/B]Even with an ABC championship, he earned it in the ring. That being said, he took some real…Comment by Corelone on 10-11-2012
I'm going to give credit where it's due and then ... Paulie did not cherry pick anything. He fought with real contenders. Even with an ABC championship, he earned it in the ring. That being said, he took some real…Comment by daggum on 10-11-2012
the malignaggi guide to becoming a "star" step 1. fight a bunch of bums step 2. cherry pick the easiest belt holder who sucks step 3. run your mouth in order to land a big fight step 4. get beat…Post a Comment - View More User Comments (24)


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Neck Lift Q&A
Submental + Neck Lift
What is the Cost of a Direct or Isolated Submentoplasty?
I am thin, do not have a lot of hanging skin on my neck, just directly under my chin I have some loose skin that I can only see in certain lights and... READ MORE
Submental Lipectomy. Pros Vs Cons? Can you help me understand what risks I am taking?
Submental Lipectomy. Pros Vs Cons? Can you help me understand what risks I am taking. I am a 33 year old male. Approximately 5-9 and 195lbs. I have a... READ MORE
Can an over Tight Platysmal Transection Be Released?
I had a platysma transection done five years ago, which I never asked for, and have lived with extreme tightness and choking sensations around the... READ MORE
My PS Recommends a "Submental Lipectomy with Plicatio of Platysma" for my Neck Waddle. Is This Successful Without Removing Skin?
I can find no mention of these procedures being done without also tightening the skin over them. 1. I am concerned that skin will sag if no skin is... READ MORE
5 days post Neck Lift, Platysmaplasty, Submental Liposuction, I'm starting to have swelling & pain on both sides of neck. photo
Below the ear I'm thinking in the lymph node area. Is this normal or should I contact my doctor? It hurts to turn head far left or right it's kinda in... READ MORE
In a Neck Lift, can you help me understand how skin is lifted & removed using incisions under the chin and behind the ear only?
I am trying to visualise how skin is tightened/removed without using incisions in front of the ear. If a submental incision and post-auricular... READ MORE
Does anyone have an opinion on a submental excision?
Googling (+ DR who suggested) tell me a submental excision is very rare, but recommended . Another DR suggested ultherapy. I had ultherapy once, 18... READ MORE
How to fix fat deficiency in submental triangle? (Photo)
I had FL/NL done in May 2014. I was left with a fat deficiency in the submental triangle which my surgeon tried to fix with FT in Dec. 2014. It is now... READ MORE
Is an isolated platysmaplasty an option??
I have a small amount of submental fat and a vertical band. There is some skin laxity but I think part of the bulk is due to platysmal banding but... READ MORE
Is it normal to have a raised, ropy, vertical cord under the skin from Adam's Apple to submental scar after platysmaplasty?
Corset platysmaplasty was performed as part of full facelift (also incisions in front and behind ears). A year later could still feel hard, ropy,... READ MORE
I am getting a procedure for neck lift w/submental application; how long will it take to recover?
Neck defatting and platysma how long for recovery READ MORE


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Skip to comments.Massachusetts' Plan to Ban, Confiscate Firearms, Ammunition
Posted on 01/25/2013 1:30:57 PM PST by pabianice
Our Second Amendment Right to Keep and Bear Arms is under attack on many fronts.
Governor Deval Patrick, Representative David Linsky (D) Natick, and many others are in the process of, or already have filed new legislation which will severely restrict our second amendment rights while doing NOTHING to solve any real issues.
Once again our state legislators are committing "Blame and Punishment" of Massachusetts gun owners.
Among the many things our legislators are proposing:
10 round magazines loaded with more than 7 rounds, punishable by more than two years in jail.
Magazines containing more than 10 rounds, punishable by up to 10 years in jail.
Potential confiscation of lawfully purchased long guns and high capacity magazines (greater than 10 round capacity).
A complete ban on semi-automatic rifles with certain cosmetic features. (AR type rifles)
Up to 2 ½ years in jail for receiving more than 1 gun or magazine in a 30-day period.
Mandatory large capacity guns storage at gun clubs instead of in home.
Lawful private sales recorded on FA-10 forms will no longer be allowed.
Ban "high power" ammunition. (there's been no definition provided as to what that is)
Expanding local licensing authorities discretion to deny or restrict licenses to all guns including FID cards.
Mandatory insurance for all firearms owners. (see link for more info)
New proposed sales tax aimed at firearms/ammo purchase. (this has not been clarified)
Mental and physical health waivers to be signed upon applying for a gun license
Creating new crimes of assault with a firearm that requires no physical action by the lawful possessor
In recent weeks we have been deluged with legislative proposals attacking our Second Amendment Civil Rights in the wake of the horrific murders in Connecticut. One such proposal has been mandatory liability insurance for anyone lawfully owning any type of gun. Lawful gun owners rightfully consider this to be simply another way to tax gun ownership. They are of course correct on that assumption, but this proposal goes much deeper and is much more insidious!
The anti-civil rights movement would gladly add taxes to our ability to lawfully possess guns, but the real purpose for mandatory insurance is to avoid the legislative and regulatory process altogether. The real purpose for insurance is to bring the power of the insurance companies against the Second Amendment. What does that mean? Our opposition has crafted a new way to attack us through the potential policies of private insurance companies who make up their own rules as to whom they insure and under what circumstances. Here are some possible examples of how these attacks could happen:
Mandatory storage laws currently exist in Massachusetts. An insurance company as a condition of coverage could mandate an inspection of how you are complying with those laws. They could easily mandate the most expensive safes or even where those safes are kept.
If you keep a loaded gun in the home for defensive measures, insurance premiums could be drastically increased or simply not provided.
As so-called new technologies are proposed for firearms such as GPS locators insurance companies could mandate that all of our guns are updated as a condition of insurance.
These companies could use bogus statistics from groups like the Violence Policy Center as a means of raising premiums for the ownership of certain firearms or deny coverage outright.
If you have children in your home or perhaps an aging parent or spouse, companies can mandate certain conditions or again deny coverage.
They could insist that ballistic information about your firearms be submitted to them and in return the government. The excuse used would be to defend a claim by using such info.
Insurance companies would also be able to go after the industry as well. Federal legislation was passed years ago to prevent the firearms industry to be bankrupted from bogus lawsuits. However, the insurance companies would not bring lawsuits, but instead more insurance policies about what can be sold to their customers and how they should be manufactured.
In the case that an insurance company chooses not to cover people for any reason, the mandatory insurance would then be provided by the government. This would further regulate how you obtain your insurance policy.
These are just a few examples of the real purpose behind mandatory insurance so dont be fooled that it will simply be an affordable and reasonable component to responsible gun ownership.
God Bless Texas. Come on down!
And Guns N' Roses will be considered assault music.
you get what you vote for Massachusetts. Enjoy it. Personally, I'd take the loss and move if I lived in that shiite hole of a commie state.
Just the current band.
All pre-1991 music will be grandfathered.
Oh, thank God.
Dear Gov. Patrick, please get very sick and die.
Dear Gov. Patrick, please get very sick and die.
Smoke 'em if you got 'em.
"Dear Gov. Patrick, please get very sick and die."
Ditto !
This is now getting exposure here and I have been trying to get newspapers and tv to cover it. Talk radio is already on it. I think it has little chance to pass but we are vigilant.
Yeah, why would anyone want to live on the east or west coast???? Give me fly over country where I can go out in my back yard and shoot my guns and not have to worry. Or better yet, your neighbor comes down on his 4 wheeler, looks at what you're shooting and say's "come on down and let me show you how to reload that brass"....midwest living is priceless :)
Just remember that post-'91 GNR is now contraband.
[I'm sorry...that was SO bad]
For those in MA having trouble getting ammo: you can order ammo mail order and have it delivered to a friend out of state. Under the Gun owners Protection Act it is perfectly legal for you to go pick it up and bring it back to MA. Make sure it's secured in your trunk. make sure you have your FID on you.
Ironic for a state that celebrates the battles of Lexington and Concord on the third Monday in April - Patriot's Day.
tough to say you represent a people and have no idea about their roots
It's just like you say in rural parts of eastern Washington and Oregon, although people think of us as 'left coast'.
So, what the Brits tried to do in 1775 today's Mass government hopes to succeed?
Remember when Gen Gage called for the people of BOSTON to turn in their arms....THEY DID!
Following the first shots of the American Revolution at Lexington and Concord on April 19, 1775, on April 27, the military governor of the Province of Massachusetts Bay and commander-in-chief of all British forces in North America, General Thomas Gage, ordered all firearms owned by the Boston citizenry stored in Faneuil Hall.
On April 27, 1778 fire arms, 634 pistols, 973 bayonets and 38 blunderbusses were received, properly labeled with the names of the owners, and sorted for storage at Faneuil Hall. Gage promised the weapons would be returned to their owners at a suitable time.
Gage feared an attack on Boston was imminent and feared the civilian populace would join in the resistance, confronting him with an inner and outer enemy.
Anyone out there detected any "lines in the sand" yet?
No? Didn't think so. Sorry to interrupt the posting.
As they continue to destroy this country, they are begging for a Civil War.
I am a peaceful guy and I believe that most conservatives are, but there is a breaking point and it could be around the next bend.
No insurance company is going to offer insurance. That means that this is equivalent to confiscation.
Notice how they are quick to create new crimes. Notice how eager they are to put innocent people in jail for what is not now a "crime."
Notice how they don't give one flying $h!i+ about taking guns from violent criminals.
Deval Patrick=a feral black in a suit.
I guess some people like high taxes and oppressive leftist governments. I have been up and down both coasts and to all points in between. Massachusetts would be the last coastal state I would want to end up in. Similarly, California is beautiful but it just isn't worth it. I would take southwestern deserts over Massachusetts beaches every time.
I would side with Guns N Roses.
I'm sure the criminals that actually commit genuine gun crimes will comply.
You know, they've complied all along with the mountains of gun laws already passed.
this is just disarmament under the guise of 'safety' or 'regulation'.
"No insurance company is going to offer insurance. That means that this is equivalent to confiscation."
I agree. But what Linsky and Patrick know is that this amounts to a poll tax. In order for you to exercise your rights they would require you to pay a tax in the form of an insurance policy that would be unfair if no one could pay it. If I required an insurance policy for every person who would say or write something in a public forum, I would also be violating the constitution under the first amendment.
Whether or not a person chooses to exercise a right or not is up to that person. But a government that charges a fee or has some litmus test for a person to exercise their right, whether or not they choose to do so, is violating the law.
Patrick and Linsky know this and what they are doing is simply shameless political theatrics that are going to cost a lot of people a lot of money.
This should get interesting.
So many healthcare jobs in the metroplex area, and housing looks wonderfully affordable to us.
A book I just ordered, but the quote keeps coming to mind lately.
And to think that the militia in Lexington, Mass once fought the government for trying to seize their guns.
They should move the celebration to the first of the month, since they no longer take freedom seriously.
L.A. Guns?
Velvet Revolver?
I DO mean that! And come on into the Metroplex (or Metromess as we call it). The only people who don't have a job are those who don't want one.
Personally, Id take the loss and move...
Been there, Done that...
For me, it was the Gay Marriage thang.
Plus, the LifeTime FID Card, which suddenly became a "Renewable" FID Card.
You can't even "TOUCH" a pistol at a gun store without a CCW, which is arbitrarily issued by the Chief of Police of your town...
Bump for later
Oh it is worse, they have an old Flint Lock hanging on the wall way up high @ the State House. The Ship Dits putt a bleeping trigger lock on it. You have no idea of the Socialist Minds in Mass...
The birthplace of liberty indeed.
And if the libs really want to rub it in, they can have Deval Patrick sign the law at the Old North Bridge in Concord.
Your posters are consistently thought provoking.
I do want to visit Washington and Oregon, but have no desire to CA my hard earned money. Hopefully you aren't too left coast.
I think that there is some reasonable chance that this gun will be confiscated.
I'd just as soon those yankees stay up there and deal with what they voted for.
Good for you. I hope you got out in the black at least.
I've got a very strong hunch that those who are pro 2nd Amendment and posters on FR did not vote for the current law makers in Mass. We need this type to keep Texas from going blue. What with Dallas, Austin, & El Paso as our blue cancers in Texas, we need to encourage some to "Come on Down"!
Gotta love Texas!
Of course, this is only a feelgooders cosmetic bandaid rather than a real solution.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Currently, Courtney Meaker is a writer in residence at Seattle Repertory as part of their Writers Group program.
The Lost Girls – Upcoming in Fall of 2016
Annex Theatre, Dir. Kaytlin McIntyre, October 2016
Workshop with Seattle Repertory Theater, Dir. Kaytlin McIntyre, February 2016
That'swhatshesaid full length version
Gay City Performance Venue, Dir. HATLO, performer Erin Pike, February 2016
Open Eye Figure Theater in Minneapolis, Dir. HATLO, performer Erin Pike, August 2015
Made of These
Reading at Seattle Repertory part of the Seattle Rep Writers Group,Dir. Emily Penick June 2015
Chaos Theory
Full production at Annex Theatre, Dir. Pamala Mijatov, Seattle, WA 2014
Full production at Macha Monkey Productions Dir. Peggy Gannon, Seattle, WA 2013
Dir. Theresa Thuman, Infinity Box Theater Projects, Seattle, WA October 2015
After It Ends
Dir. Dayana Anderson, Annex Theater part of Zig Zag Festival, Seattle, WA August 2015
Dir. Katherine Karaus On the Boards Northwest New Works Festival, Seattle, WA 2014
Apocalypse Soon
Ghost Light Theatricals, Seattle, WA 2012
Seance Dir. Doug Staley, Schmee Gala, Theatre Schmeater, Seattle, WA 2014
The Uprising Dir. Anthony Winkler 14/48 The World's Quickest Theatre Festival, Seattle, WA 2014
Shorty Says Goodbye Dir. Stan Shields 14/48 The World's Quickest Theatre Festival, Seattle, WA 2014
The Inevitable End of Christmas Present Dir. Rachel Delmar Playing in Progress, Seattle, WA 2013
Snow Globes and Pocket Watches Dir. Catherine Blake Smith Spin the Bottle, Seattle, WA 2013
*denotes upcoming production
WRECKED Writer Season Two, Honey Toad Studios, dir. Nathaniel Buechler, Seattle, WA 2013
Vengeance at Sundown Dir. Beth Raas-Bergquist Ghost Light Theatricals, Seattle, WA 2011
The Skriker Dir. Beth Raas-Bergquist Ghost Light Theatricals, Seattle, WA 2011
Sweet Nothing
Assistant to Dir. Laurel Garcia at Macha Monkey Productions, Seattle, WA 2012
The Skriker
Assistant to Dir. Beth Raas-Bergquist at Ghost Light Theatricals, Seattle, WA 2011
Co-Directed with Prof. Elizabeth Carlin-Metz at Knox College, Galesburg, IL 2008
Vinegar Tom at Knox College, Galesburg, IL 2007
Colette in Love at Knox College, Galesburg, IL 2006
Seattle Shakespeare Company, Seattle, WA 2013 to present
Cornish Playhouse, Seattle, WA 2013 to present
Book-It Repertory, Seattle, WA 2013
Intiman Theatre Festivle, Seattle, WA 2012, 2013
Intiman Theatre, Seattle, WA 2010 Season
Macha Monkey Productions Marketing Director, since 2012
Literary Managers and Dramaturgs Association (LMDA), since 2011
Playwrighting with Stephanie Timm
Dramaturgy with Neil Blackadder
Directing with Elizabeth Carlin-Metz
Scenic Design with Craig Choma
Movement and Voice Conservatory with Jen Smith & Elizabeth Carlin-Metz
Bachelor of Arts in Theatre and Creative Writing, Knox College, Galesburg, IL 2008
London Arts Alive – Study Abroad program 2007
Thesis: "Countless Highways: Aesthetics Study in Creative Writing and Theatre" 2008
- WRECKED Season Two Nominated for Best Writing Comedy Series by Indie Series Awards, 2014
- "Etymology" short story finalist for Naked Girls Reading Literary Award, 2012
- Linda Elizabeth Karger Award for demonstrated exceptional theatre ability awarded by Theatre Faculty of Knox College, 2008
- Pacemaker Award for editing Catch, Knox College's Literary Magazine, Spring 2008
- Published short fiction "Etymology", Catch, Knox College's Literary Magazine, Fall 2007


text:
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Review: Proporta TurboCharger 5000 – External Emergency Charger Battery Pack
Aaron unboxes the Sprint Vital, a ZTE smartphone that brings a decent feature set to the nation's third largest wireless carrier. Featuring a 1.5 GHz dual-core CPU, the Vital has a 5-inch 720p HD display, 13-megapixel camera with 1080p HD recording, a 2,500 mAh battery, and Android 4.1 Jelly Bean. It's a mostly stock version of Android, with some minor ZTE/Sprint tweaks here and there. It's available now at Sprint's website for free after mail-in rebates, making it $100 cheaper than the HTC One and $150 cheaper than the Samsung Galaxy S 4. It's a solid smartphone with some decent specifications, but is it worth saving the cash up front to go with a non-branded smartphone?View video here
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text:
Schools holding fast with graduation ... so far
February 5, 2014 With the extreme weather continuing, area school districts are having to make additional plans to make up days, but districts say graduation will not be affected at this point. more »»
Art exhibit inspired by MLK's dream
January 29, 2014 It has been 50 years since the Rev. Dr. Martin Luther King Jr.'s speech and the 1963 March on Washington. more »»
Casino revenue trickles to schools
January 29, 2014 The Ohio Department of Taxation issued its casino tax revenue reports for school districts last week, and districts are using the money for their general funds. more »»
'Art is Forever'
December 1, 2013 Forty-three pieces of art are going on display from Columbian High School juniors and seniors during their annual art exhibition, to be on the Tiffin University campus Saturday. more »»
Board suspends charters for two Columbus schools
October 31, 2013 During a special meeting Wednesday, the Governing Board of the North Central Ohio Educational Service Center passed a resolution to suspend two charter schools in Columbus indefinitely. more »»
Forecast spooks trick-or-treat plans
October 31, 2013 Several local communities have changed their trick-or-treat due to the inclement weather forecast for today. The new times are: Kansas and Fostoria, 6-7:30 p.m. Saturday; Carey, 2-3:30 p.m. more »»
Building savings added to H-L fund
October 31, 2013 BASCOM — A small group of residents attended the State of the School meeting Wednesday night in the Hopewell-Loudon auditeria. Treasurer Veronica Reinhart began by reviewing the district's financials. more »»
Tiffin company donates equipment to Terra State
October 30, 2013 FREMONT — Toledo Mold and Die recently donated three robots and a variety of manufacturing equipment to Terra State Community College. more »»
School to celebrate McPherson birth
October 30, 2013 CLYDE — Clyde-Green Springs Board of Education learned of an upcoming special occasion Monday evening. Gen. more »»
Board to screen 7 picks for supt.
October 29, 2013 Tiffin City Board of Education met Monday to review resumes for candidates for the superintendent position. The board met in executive session Monday; no action was taken. more »»
In service
October 28, 2013 more »»
Sentinel, H-L deal with death of student
October 19, 2013 The buildings of Hopewell-Loudon Schools and Sentinel Career and Technology Center were in a somber mood Friday due to the unexpected death of a loved student. Cameron Joseph St. more »»
Juniata College inaugurates Troha as 12th president
October 19, 2013 HUNTINGDON, PA. —James Troha, former vice president for institutional advancement and university relations at Heidelberg University, was inaugurated Friday as Juniata College's 12th president. more »»
Student contacts Freedom From Religion Foundation concerning teacher, principal
October 19, 2013 A Tiffin Columbian student contacted the Freedom From Religion Foundation after a "See You At The Pole" event. The event was conducted the morning of Sept. more »»
'Berg, TU add students
October 12, 2013 Tiffin and Heidelberg universities are seeing increases in their enrollment for the 2013-14 year, while Terra State Community College sees a decrease. more »»
At its core, an ongoing debate
October 12, 2013 While Common Core State Standards remain a debated topic, 48 states have adopted the standards — including Ohio in June 2010. more »»
Hopewell-Loudon board dicusses athletics, New York trip schedule
October 12, 2013 BASCOM –– The Hopewell-Loudon Board of Education had a lengthy discussion Wednesday evening about selling advertising at the athletic venues. more »»
Area schools take measures to keep up with food allergies
October 2, 2013 Schools do their best to make sure children have a safe environment to learn in, especially when it comes to food. more »»
Seneca East Homecoming King and Queen
October 2, 2013 Owen Best, the son of Richard and Angie Best, is Seneca East's homecoming king. Kristen Bowerman, the daughter of Tim and Denise Bowerman, is Seneca East's homecoming queen. more »»
Upper Sandusky Homecoming King and Queen
October 2, 2013 Ross Dible, the son of Lyle Dible and Jandee and Brian Gottfried, is Upper Sandusky's homecoming king. Justeen Searfoss, the daughter of John and Wendy Searfoss, is Upper Sandusky's homecoming queen. more »»


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Salem News Editorial: Big hurdle for pols is public's lack of trust
June 25, 2011
Transparency is no substitute for integrity.
Politicians of both parties spend lots of time talking about giving voters online access to government documents, budgets, even checkbooks. Yet those good intentions cannot blunt the public's disgust with those who misuse taxpayer funds.
The latest scandal involves the Billerica-based Merrimack Special Education Collaborative (which operates a high-school program at 248 Boston St. in Topsfield). Spending by its executive director, John Barranco, that allegedly included trips to the Kentucky Derby and renovations to vacation homes in New Hampshire and Florida, has drawn the attention of the Inspector General and state Auditor's offices. Alarmingly, Suzanne Bump, the Democratic auditor elected last November with a mandate to root out corruption, told a group of North Shore business people Wednesday that Merrimack is not the only special education collaborative under scrutiny.
Boston Globe: Auditor looking at Merrimack case
June 23, 2011
State Auditor Suzanne M. Bump is investigating whether the extravagant salaries, Kentucky Derby trips, and other alleged financial abuses found at the Merrimack Special Education Collaborative are part of a larger problem in the patchwork of agencies that help educate special needs students in Massachusetts.
Bump said her office is in the final stages of auditing the books of the Merrimack collaborative, as well as two other collaboratives, one representing cities and towns on the South Shore and the other in Southeastern Massachusetts.
Bump said this week's findings about the Billerica-based collaborative by Inspector General Gregory W. Sullivan have identified "some clear criminal wrongdoing, but what we're endeavoring to do is determine whether we have a total system failure."
Auditor Bump meets with North Shore Chamber of Commerce
June 22, 2011
Auditor Suzanne Bump meets with board members of the North Shore Chamber of Commerce in Danvers to discuss the changing role of the Auditor's Office and the reforms she is implementing to improve oversight of state agencies and contractors.
Auditor Bump Lauds Six Public Housing Authorities on Clean Audits
June 14, 2011
State Auditor Suzanne M. Bump today congratulated housing authorities in six communities for effectively managing operations, tenant selection and keeping rental units safe and sanitary during audits the Office conducted over a 33 to 24 month period last year in Billerica, Dartmouth, Maynard, Norfolk, Sandwich and Wayland.
"Housing Authorities across the state are facing difficult challenges with aging rental units and limited maintenance budgets," said Auditor Bump. "Yet, we found that these public housing authorities were able to maintain adequate site inspections and turn units around for re-renting within the state-mandated 21 days."
Press Release: Auditor Lauds Six Public Housing Authorities on Clean Audits
Audit Report: Billerica Housing Authority
Audit Report: Dartmouth Housing Authority
Audit Report: Maynard Housing Authority
Audit Report: Norfolk Housing Authority
Audit Report: Sandwich Housing Authority
Audit Report: Wayland Housing Authority
Boston Globe Editorial: Deploy auditor to identify programs that don't work
June 14, 2011
With A few more years of tight budgets looming, Beacon Hill policy-makers are taking a commendable interest in better management and increased accountability. But for this long-overdue effort to succeed, it's not enough to push all state agencies to run more efficiently. The Commonwealth also needs better mechanisms for weeding out programs that don't deliver much bang for the buck.
In his budget, Governor Patrick proposed spending $650,000 to create an office of performance, accountability, and transparency. That bureau, which would be part of the Executive Office of Administration and Finance, would work with state agencies to develop measurable goals and strategies for meeting them. It would also coordinate efforts to secure federal grants, collect information about possible waste or abuse, and put more budgetary information online in a convenient format.
Boston Herald: $103G scam among $1.2M in health-care fraud
June 10, 2011
For four years, Susanne Jordin faithfully filed reimbursement forms with the state's Medicaid office so Bruce Fields, the man she said was her personal care attendant, could get paid.
Now both Jordin and Fields are accused of ripping off $103,000 in payments from the state, according to Auditor Suzanne Bump's office.
Fraud examiners found out that Fields was locked behind bars while he was reportedly caring for Jordin, officials said.
In March, Jordin, a former North Attleboro resident, pleaded guilty to the scheme and was sentenced to two years in the House of Correction, but the Bristol County judge suspended her sentence for five years, as he determines how much she'll have to repay the state.
Springfield Republican Editorial: Auditor Suzanne Bump, Attorney General Martha Coakley a dynamic duo
June 9, 2011
The efforts of newly elected State Auditor Suzanne Bump and recently re-elected Attorney General Martha M. Coakley, for example, offer cases in point that some state officials have our backs.
For her part, Bump, the former secretary of the executive office of labor and workforce development, has undertaken sweeping reforms of the Auditor's office following an independent review. After a review of the office's audit polices and procedures from July 1, 2009 through Dec. 31, 2010, a team of professional state auditors from across the country issued a rare adverse report, finding that the office's system of quality control did not conform to government auditing standards. The report cites deficiencies in audit planning, staff competence, audit documentation and audit reporting.
Auditing and Higher Education
June 9, 2011
Auditor Suzanne Bump met with the 15 Community College Presidents in at Endicott College in Beverly to discuss the audit process.
State Auditor Investigations of Public Assistance Fraud ID $1.2 Million for Recovery
June 9, 2011
In a quarterly progress report issued today, State Auditor Suzanne M. Bump said examiners with the office's Bureau of Special Investigations (BSI) found evidence of $1.2 million in fraudulently obtained public assistance benefits and services.
Auditor Bump said BSI examiners closed 610 investigations, identifying 121 cases of illegal activity in MassHealth and Department of Transitional Assistance programs during the first three months of the year.
"Our examiners serve one of the most important functions of the State Auditor's Office to protect public assistance programs from fraud and recover taxpayer dollars from wrongful claimants," said Auditor Bump. "BSI oversight identifies millions of dollars in fraud every year that can be targeted for recovery."
Press Release: State Auditor Investigations of Public Assistance Fraud ID $1.2 Million for Recovery
BSI Report: Bureau of Special Investigations Third Quarter Report – FY2011
Higher Education Legislation: Adds protections for students of occupational schools
June 8, 2011
Tom Meagher, OSA's Administrator of Private Occupational School Audits, appears before the Joint Committee on Higher Education in support of a measure that would eliminate the cap on bonds private occupational schools must hold so students are protected if a school goes out of business. There are growing calls for greater oversight into the industry because of unprecedented growth and dependence on federal financial aid.
Testimony: Testimony of Thomas Meagher in Support of House Bill No.6
Auditor Bump Cites Grafton Housing Authority for Rental Delays
June 8, 2011
State Auditor Suzanne M. Bump today released the findings of an audit which showed the Grafton Housing Authority was not able to improve turn-over rates of rental units under prior administrators.
The GHA's Board of Directors requested the audit following a change in executive management of the Authority.
Press Release: Auditor Bump Cites Grafton Housing Authority for Rental Delays
Audit Report: Grafton Housing Authority


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Developing bring-your-own-device programs for a global workforce
With careful planning and understanding of local laws, multinational employers can help to achieve the "win-win" value proposition of BYOD for both employer and employees.
Turning risk to advantage
The 15th annual SuperConference kicked off in Chicago this week with the Global Lawyer Forum, a day dedicated to thought leaders discussing matters relevant to multinational corporate counsel.
Lessons counsel should learn from the GM ignition switch failure
Whether your company's issue is safety or compliance with a federal or state regulation, create the right culture. Make sure one individual within your legal department takes ownership of that issue.
Legal landscape for cybersecurity risk is changing as federal government and SEC take action
In 2014, many of the most recognizable companies in America fell prey to cyber attacks. In the face of the clear threat posed by these attacks, the federal government has taken steps to respond.
Dow backs CEO over spending allegations
Dow has come down squarely on the side of Andrew Liveris, stating that the company had investigated these matters and settled them years ago.
SEC whistleblower program faces delays
83 percent of whistleblowers who have applied for awards since 2011 have not yet received any decision from the SEC.
China's anti-corruption crackdown: How company policies should deal with employees who break the law
Too often, companies do not spend the time, cost and effort to ensure they have company policies in place in their subsidiaries in China that are tailored for the China market.
This just in: Technology has won
The legal department has to get out to talk to business-side colleagues, figure out how they do their jobs, and suss out why things can go wrong and how to fix things when they do.
The future of compliance
These days, organizations in diverse sectors are recognizing that technology solutions can improve compliance functions and reduce overall risk.
Gift-giving in Brazil and corruption risks: Compliance steps to consider
With so many overlapping and sometimes conflicting jurisdictional rules, how can corporate policies on gift-giving to government officials or entities be consistent with all the various regulations in Brazil?


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Product Description
This beginning construction toy allows children to explore their imagination with freeform creations and unlimited possibilities! The three shapes and wheels have slots and plug joints that lock together to build 3D structures that are colorful, lots of fun, and simple yet challenging!
Product Information
Year: 2014
Ages: 4 - 15
Weight: 1,124 grams
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Perch Grove Service Apartments Gurgaon
10% OFF on daily online booking
Price Range : INR 6300 - INR 7200
Address : C-80, Greenwood City, Block C, Sector 45 , Gurgaon(Gurugram), Haryana-122002India
Phone No. : +91-124-4370742
Aggregate Ratings : 4.6 out of 5 ( 20 reviews )
Grove has spacious 3 and 2 BHK furnished apartments for rent in Gurgaon catering to families & groups. Each furnished apartments is equipped with it an in-apartment kitchen,fridge,microwave,cutlery & washing machine.
Centrally located in the peaceful, green up-market Greenwood city ,The Grove is a 2 minute drive from the HUDA city metro station, Unitech Cyber Park and Medanata Medicity Hospital. The Grove is an ideal choice when looking for a furnished apartment in Gurgaon for rent or for a hotel near Fortis hospital. Our resident and managerial staff is at hand to help out with any request that you may have.
Perch Grove Service Apartments
"Would definately stay again!!!"
4 of 5 stars Reviewed 27 February 2015
Very happy with our overall stay, we had a party of 12 people and booked the 3 lovely Grove apartments. The apartments were comfortable, clean, quiet and safe, security guard 24/7 with very helpful staff, with wifi and breakfast made for very accommodating and happy stay.
"Comfortable with excellent personal service"
4 of 5 stars Reviewed 26 March 2015
I was at Perch Grove C-80 with two families for medical treatment of a relative at Medanta hospital.We needed three bed room apartment with kitchen and a common living area. Referred by a friend this apartment 4km away from Medanta was just perfect to our needs. The service is basic and personal. Amenities were as per our needs. Breakfast and food on order was very homely and tasty.Staff was well mannered and responsive.clean and green area was well maintained. Wifi and TV in rooms were soothing value addition. Well connected to major malls in vicinity. By all means value for money. Will recommend for extended family stay and peaceful time.


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Lent and Easter Wisdom From St. Benedict
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Product Information
|Format: Paperback
Number of Pages: 128
Vendor: Liguori Publications
Publication Date: 2010
|Dimensions: 8.30 X 5.50 (inches)
Availability: In Stock
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Publisher's Description
For over 1,500 years, believers from all Christian traditions have looked to St. Benedict, the patriarch of Western monasticism, for spiritual wisdom. And rightly so: his rule has shown how one may experience a simple, holy, and common sense life, despite the increasingly busy pace of our daily existence.
The latest addition to Liguori's popular series of seasonal meditation books provides not only Scripture readings for the seasons of Lent and Easter, but pairs them with a daily selection from the cherished writings of St. Benedict. This book encourages the reader to set aside time each day to reflect upon a specific Scripture passage while providing a suggested activity for Christian living during the Lenten season.
In the Lent/Easter seasons when we focus on Christ's great sacrifice for our salvation, we can renew our alertness to the many ways in which our own lives can model his and be other-centered. And like St. Benedict we can come to know God's spirit through the habit of prayer and meditation.
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Lover of ChristNew YorkAge: 55-65Gender: female5 Stars Out Of 5Lenten JourneyMarch 9, 2012Lover of ChristNew YorkAge: 55-65Gender: femaleQuality: 5Value: 5Meets Expectations: 5Very appropriate to read & mediate upon during the lenten journey. Helping me greatly.


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MNI news
April - Parkinson's Month
Parkinson's is a disease that attacks certain nerve cells in the brain which play a role in movement. Approximately 100, 000 Canadians have Parkinson's disease.
Purple Day for Epilepsy
A project to automate lesion detection in drug resistant therapy may lead to improved treatment for people with epilepsy. Approximately one-third of epilepsy patients suffer from seizures that do not respond to drug treatments, making surgery the only effective treatment for these individuals.
Getting turned on
Scientists have identified a mechanism that switches on an extremely important process for the proper functioning and survival of our body's cells. Specifically, the fast-track transportation pathway of 'cargo' to and from the surface of the cell.
Know Your Brain: Montreal universities, institutes and research centres team up for Brain Awareness Week (BAW)
Explore your brain with the experts. Montreal neuroscientists join forces to shed light on the greyest of matters -our grey matter- during the upcoming Brain Awareness Week (March 15-21).
Neuro Movie Nights: a different take on a night at the movies
A new free movie series, Neuro Movie Nights, starting February 18 provides Montrealers with a unique opportunity to enjoy an alternative cinematic experience and to gain new perspectives on the mysteries and workings of the brain.
2010 Brain Bee – Montreal gets brainier
Montreal's collective IQ will surge tomorrow (February 12, 2010) as high-school students from across the city meet to compete in the 2010 Montreal regional Brain Bee competition. This exciting challenge tests for knowledge of the brain and neuroscience. The Montreal Neurological Institute and Hospital – The Neuro, McGill University hosts the competition and graduate students from the institute ha
Communication breakdown: what happens to nerve cells in Parkinson's disease
A new study from The Montreal Neurological Institute and Hospital – The Neuro - at McGill University is the first to discover a molecular link between Parkinson's disease and defects in the ability of nerve cells to communicate. The study, published in the prestigious journal Molecular Cell and selected as Editor's Choice in the prominent journal Science, provides new insight into the mechanisms u
Double agent: glial cells can protect or kill neurons, vision
Scientists have identified a double agent in the eye that, once triggered, can morph from neuron protector to neuron killer. The discovery has significant health implications since the neurons killed through this process results in vision loss and blindness.
20 McGill research projects get CFI boost
McGill University welcomed today the Canada Foundation for Innovation's (CFI) investment of $3,911,390 earmarked to support 20 outstanding research initiatives.
- Rosalind and Morris Goodman Cancer Centre
- Health and medicine
- Research news
- McGill University Health Centre (MUHC)
- Macdonald Campus (agriculture and environment)
- Alumni
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- Faculty of Engineering
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- School of Computer Science
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- VP (Research and International Relations)
Helping Nerve Cells Find Their Way
The ability of our nervous system to function properly relies on elaborate and precise connections between nerve cells and their targets. In a new study, researchers at The Neuro - The Montreal Neurological Institute and Hospital, McGill University identify a receptor capable of directing and controlling a set of nerve cell projections to their specific target.
Celebrating 75 years of excellence
The Montreal Neurological Institute and Hospital - The Neuro - a world class Canadian academic medical centre, marks its 75th Anniversary today.
Brenda Milner to receive award in New York
Dr. Brenda Milner, an active researcher at the age of 91 at the Montreal Neurological Institute, McGill University, is widely recognized as the founder of cognitive neuroscience–the field that brings together brain and behavior and helps explain key aspects of mental illness. Today, Dr. Milner is being awarded the Goldman-Rakic Prize for Outstanding Achievement in Cognitive Neuroscience by NARSAD,
International clinical trial for patients with brain tumours, co-ordinated at The Neuro
The biopharmaceutical company Antisense Pharma GmbH has announced today that it has received the approval by Health Canada for its pivotal Phase III clinical trial SAPPHIRE in patients with recurrent or refractory anaplastic astrocytoma.
One small step for neurons, one giant leap for nerve cell repair
The repair of damaged nerve cells is a major problem in medicine today. A new study by researchers at the Montreal NeurologicaI Institute and Hospital (The Neuro) and McGill University, is a significant advance towards a solution for neuronal repair.
Why one way of learning is better than another
A new study from the Montreal Neurological Institute and Hospital (The Neuro) of McGill University reveals that different patterns of training and learning lead to different types of memory formation.


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Durable swivel lets holder twist and turn to reach hard-to-get-at places. Orange plastic holder features special grippers that hold pads firmly in place and provide for easy attachment and changing of pads.
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Hi. I have my site up and want to change wp theme to my sites them. I realize we have to upload styles.css , index.php, wp-layout.css, and comments.php to the themese folder in wp1.5.
However, I dont know anything about styles.css etc and was wondering what I need or dont need with least effort in styles.css to not mess up the look and feel. All I want in a regular white table is the basic wp-blog info neseccary to keep the blog. I dont want it to mess up tables sizes, etc on my site.
What do I need to do? Please be as specific as possible, I m a total newbie to styles.css.
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Capital gains on BTL to be taxed as income
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The spreadsheet analyses the cost of doing nothing vs the costs and benefits of incorporation. It isn't easy to find an accountant who is completely up to date with all the applicable legislation affecting the taxation of property investors. Even if you are lucky enough to have such an accountant, the cost of a full analysis… Read more
For those new to buy to let and considering the letting of their current home, in order to buy another for themselves (usually at a higher price) there is a way to avoid the 3% SDLT surcharge on the more expensive property by following this strategy. Create a new limited company and sell your current… Read more
The ability for landlords trading as partnerships to avoid CGT and SDLT at the point of incorporation is clearly written in legislation. You just need to know where to look to find the information and to employ the services of an experienced tax adviser to claim the various allowances for your business. Details of incorporation relief, which can… Read more
Budget 2016 has put massive pressure on landlords who have been considering incorporation following George Osborne's announcements in the Summer 2015 Budget which restricts finance cost relief for individual landlords. My message to all landlords who have been considering incorporation is a crude one – it's time to piss or get off the potty! If… Read more
There was a piece on the BBC News channel last Sunday, 28 February, concerning the tax changes for landlords: http://www.bbc.com/news/business-35681874 It was shown at 07.28 and at 14.16, and presumably throughout the day. It propagated misinformation about the tax change, was biased against BTL landlords, and promoted a commercial alternative. My detailed complaints follow. The… Read more
Beneficial Interest Company Trusts enable landlords to incorporate their rental property businesses without the need to transfer legal ownership to the company, hence there is no requirement to disturb existing mortgage and financing facilities. What is the purpose of this strategy? To optimise the tax position of your rental property business in respect of retained… Read more
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Ahead of the Spring 2016 budget, Cotswold Barristers have reported a huge increase in the number of enquiries regarding the use of Beneficial Interest Company Trusts to avoid the need to rearrange mortgage finance when incorporating residential rental property businesses. The rules regarding Stamp Duty Land Tax changes are still not clear but one thing is for… Read more
Many of the landlords I have spoken to about incorporation (to avoid the effects of the new tax changes) have also spoken to their accountants. By using section 162 incorporation relief, many now realise they are in a position to avoid the implications associated with Capital Gains Tax. A generally misconstrued perception of most tax advisers is… Read more
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Galadriel entered took one look around, shooed everyone but Valedhelgwath out of the room. When she had curbed her temper, she grabbed him by the ear, looked him in the eye, and asked him quietly but firmly not to play any more of these nasty tricks again. "And you will be lucky if Elrond doesn't take you out behind the woodshed for a little corporeal punishment," she added. Then she helped him clean up the mess.
When they had finished, they went in to their luncheon, all except Allyssa whose tummy was still a little queasy even though she now knew Val's stunt had been pulled using stage props. She wasn't ready for food until later in the evening when she accepted a little chicken broth, toasted bread, and chamomile tea sweetened with honey.
"She has a very delicate disposition," quoth Galadriel to any who would listen, "and it was quite a shock she suffered this morning.