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No other stock is...just for that reason...QCOM will fall deeply.
why are u still breathing...you are taking up my oxygen and you better stop...lol
You can bet that qcom will die like the rest of them... Extremely speculative overpriced stock.....the markets have no room for speculation now...next stop.... Under20'sville
and ask trappedcrap where that fucking bounce is that was suppose to happen today. Trapped, I know you are here you shit, using different aliases to hide yourself. I guess the shorts aren't taking it in the rear today, are they? I don't care if Qcom goes up or down, I just like seeing you wrong, BAHAHAHAHAHAHAH BAHAHAHAHA. Sorry longs...I just can't stand that jerk. Makes me want to spank Moon, lovlee, and msinvestor ...ok you three, line up:)


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Speakman® Single Element Thermostatic 36 GPM Mixing Valve SE-362
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Color Brass Dimensions 8" W x 9-7/8" H Easy Reorder Eligible Yes Eyewash Accessory Type Mixing Valve Height 9-7/8" Item Type Mixing Valve Manufacturer Name Speakman Manufacturer Part Number SE-362 Material Brass Width 8"
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The PC/MR has advisory or even endorsement powers concerning the proposals from the Board of Directors of the documents such as: the Education and Examination Regulations, the Student Charter and other items that are listed in the Participation Regulations.
Would you like to stay closer to the developments of your faculty? Then there is the possibility for you to be elected in one of the Councils, except the inter-faculties ArtScience (AS) and the School for Young Talent (SvJT), these have no Faculty Councils but are directly represented in the PC.The FC/dMR consults regularly with the management of their faculty. It also has advisory or endorsement powers when it comes to matters which concern them. The FC/dMR gathers on regular basis, usually once a month.
The FC/dMR consist of eight members: four students, two teachers (teaching staff) and two education support staff (non-teaching staff) of the relevant faculties. In the PC/MR ten members can be appointed, two students and two employees (teaching and/or non-teaching staff) per faculty, supplemented by a member elected from the inter-faculty ArtScience (student or teacher) and one member elected from the staff of the inter-faculty SvJT (pupils are not eligible to vote and can not be elected).
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It's a warm afternoon in Brooklyn, N.Y., and Joseph Furey is standing in the empty, five-room apartment that he and his wife, Lillian, shared for more than 40 years. Thousands of tiny heart-shaped cardboard cutouts, seashells, bits of tile, pieces of glass, and painted peas, lima beans and clay birds festoon every wall, door and ceiling. Lillian died in 1981, but Furey, now 83, stayed on alone for another seven years, obsessed with an unusual labor of love and sorrow. "That's how I come to do it," he tells the reporter who has accompanied him on this visit. "I just kept decorating the place, doing it for her and maybe to kill time and forget some of the grief."
Last year Furey left the apartment to live with a son in upstate New York. He had been mugged twice in the old, three-story walk-up after burglars caught him napping. "I didn't hear 'em break in 'cause I had my hearing aid turned off," he says, jabbing the air with a sharp left. "Yeah, I used to be a boxer. But now I guess I'm—what's the word?—an artiste."
Whatever the label, Furey is a folk-art original who has created "an epic work of beauty," says Barbara Head Millstein, an associate curator of the Brooklyn Museum and Furey's principal champion. "And what makes this so wonderful is that he did it because he was insanely in love with his wife."
Often working on scaffolds 12 hours a day, Furey created his swirls, crosses and other patterns with about 90,000 objects. Millstein and others would like to preserve the creation, and Furey says he is flattered. But the prospects are dim because the apartment's landlord wants to gut and renovate the place and turn it into a co-op. "I love the man and his work," says Vincent Kelley of Davis Kelley Associates, owners of the building. "But I've got investors to answer to. I'll have to do something in the next few months."
Furey inspects the fallen plaster and decorative pieces in the bathroom, where a ceiling leak has caused some damage. "This was the first room I did," he says, noting that he started it before Mom, as he calls Lillian, died at 76 of a heart attack. "I wanted to brighten it up, and red hearts were her favorite." He points to the jaunty bow-tie cutouts, put up for an oldtime friend nicknamed Bow-tie George. The clam, mussel and spiral-shaped shells were collected from a local deli and a nearby beach as well as from Venezuela, where Furey spent two years working in the late 1940s. "I wrote Mom every day I was there," he says. "I brought home two bushels of shells to decorate picture frames, end tables and jewelry boxes. I guess that's when all the decorating started."
Furey's own origins were in Camden, N.J., where he came from a family of six. His mother died when he was 2, and his father was an unaffectionate, itinerant dockyard worker. Furey left school in the fifth grade and started work at age 12 as a riveter in a Boston boiler-works factory. Later, in the mid-'20s, he won about 60 boxing matches as a light heavyweight while serving on a Navy cruiser. After his Navy stint, he won three semipro bouts in Boston, then quit the ring and found construction work in New York. It was there that he met and married Lillian in 1933 and began a family of five children, one of whom died in infancy and one from rheumatic fever at 8.
As an ironworker foreman, Furey spent almost 40 years building and repairing skyscrapers, piers and bridges. "It was tough going at times," he says, flexing a tattooed biceps. "But I had good kids and a beaut of a woman by my side. They just don't make 'em like that anymore."
Millstein figures at least $65,000 would be needed to preserve the apartment but admits the Brooklyn Museum has little money for such a project. "I hope they save it," Furey says with a shrug. "But if they don't, well, I can still take a punch. It ain't gonna knock me out."
In Memory of His Wife, Joe Furey Created An Unusual Artwork That May Not Survive
updated 09/04/1989 AT 01:00 AM EDT
•originally published 09/04/1989 AT 01:00 AM EDT


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Understanding the Consequences and Caring for the Survivors
Series in Death, Dying, and Bereavementhere are over 38,000 suicide deaths each year in the United States alone, and the numbers in other countries suggest that suicide is a major public health problem around the world. A suicide leaves behind more victims than just the individual, as family, friends, co-workers, and the community can be impacted in many different and unique ways following a suicide. And yet there are very few
$9.99A basic picture guidebook to recognizing the authenticity of Pre-Columbian burial artifacts. Appraisals are used most often to confirm the authenticity and current value of items. Getting an appraisal can help owners get an idea of how much they should insure items for. Appraisals help both sellers and buyers by providing information on an item's history, origin, and condition and therefore a
Attachment-Informed Grief Therapy
The Clinician's Guide to Foundations and Applications
Series in Death, Dying, and BereavementAttachment-Informed Grief Therapy bridges the fields of attachment studies and thanatology, uniting theory, research, and practice to enrich our understanding of how and why people grieve and how we can help the bereaved. In its pages, clinicians and students will gain a new understanding of the etiology of complicated grief and its treatment and will become better equipped to formulate accurate
Scrapbooking 101- Scrapbooking Techniques and Scrapbooking Ideas for BeginnersToday's scrapbookers are always looking for fresh new ideas to enhance their creativity in their work as memory keepers. With over a dozen years of scrapbooking experience, Autumn Craig presents an indispensable guide to altered book techniques for scrapbooking and scrapbooking mini albums.You'll discover step by step instructions for a variety of techniques which you can apply an infinite number
Trauma and the Body: A Sensorimotor Approach to Psychotherapy (Norton Series on Interpersonal Neurobiology)
Norton Series on Interpersonal Neurobiology (Book 0)The body, for a host of reasons, has been left out of the "talking cure."Psychotherapists who have been trained in models of psychodynamic, psychoanalytic, or cognitive therapeutic approaches are skilled at listening to the language and affect of the client. They track the clients' associations, fantasies, and signs of psychic conflict, distress, and defenses. Yet while the majority of therapists
Exploring Ballpoint Pen Art: Drawing Techniques and Tips"Exploring Ballpoint Pen Art: Drawing Techniques and Tips" is an article, of almost 40 pages, written to encourage readers to unlock the world of drawing with ballpoint pens. Besides sharing drawing techniques and tips, it also includes the history of the ballpoint pen movement and highlights prominent ballpoint pen artists.The article is complete with photos of the author's ballpoint pen drawings
$16.99The future of our society depends on our gifted children—the population in which we'll find our next Isaac Newton, Albert Einstein, or Virginia Woolf. Yet the gifts and talents of some of our most brilliant kids may never be recognized because these children fall into a group known as twice exceptional, or "2e." Twice exceptional kids are both gifted and diagnosed with a disability—often ADHD or
The Beginning Bead Weaver: One Technique to Make Bracelets, Necklaces and RingsThis is a great project for the beginning bead weaver. Not only is the technique easy to master, but this tutorial also shows you how to attach a button for a clasp and tie a knot that won't come undone. You can use the techniques to create a variety of looks and easily change the overall effect with different sizes and colours of beads. This technique is so versatile that one can also use it to
Cognitive-Behavioral Treatment of Borderline Personality Disorder
Diagnosis and Treatment of Mental DisordersThis volume is the authoritative presentation of Dialectical Behavior Therapy (DBT), Linehan's comprehensive, integrated approach to treating individuals with borderline personality disorder. DBT--which has since been adapted for other difficult-to-treat disorders involving emotion dysregulation--combines cognitive and behavioral strategies with elements of psychodynamic, strategic, and other
$6.97Looking for a beautiful way to spice up your look? Nail art can complement your outfit for a special event or add a unique flair to your appearance every day. While very detailed nail art is best left to professionals, there are a number of techniques that you can do in your own home. With a little practice and a lot of patience, you, too, can create beautiful, unique designs to brighten up your
Treating Complex Traumatic Stress Disorders (Adults)
Scientific Foundations and Therapeutic ModelsCombining scientific and clinical perspectives, this volume brings together leading authorities on complex traumatic stress and its treatment in adults. Contributors review the research that supports the conceptualization of complex traumatic stress as distinct from PTSD. They explore the pathways by which chronic trauma can affect psychological development, attachment security, and adult
Eye Movement Desensitization and Reprocessing (EMDR), Second Edition
Basic Principles, Protocols, and ProceduresThis volume provides the definitive guide to Eye Movement Desensitization and Reprocessing (EMDR), the psychotherapeutic approach developed by Francine Shapiro. EMDR is one of the most widely investigated treatments for posttraumatic stress disorder, and many other applications are also being explored. Presenting background on EMDR's development, theoretical constructs, and possible underlying


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By winning a coin toss Tuesday, top-ranked Buford (31-3) will host No. 2 Locust Grove (31-4-1) in the state championship baseball series for Class AAAA, starting with a doubleheader at 1 p.m. Saturday at Gerald McQuaig Field. If needed, Game 3 will be played at 5:55 p.m. Monday in Buford.
Complete confidence in a sophomore pitcher led Gainesville High to win a pivotal Game 2 Monday night after falling in the first, 9-4, to Houston County in the Class AAAAA state semifinals at Ivey-Watson Field.
BUFORD - The Buford Wolves are headed to the Class AAAA baseball state championship with a series sweep 7-3, 6-4 over Eastside on Monday at Gerald McQuiag Field.
Spencer Ralston already experienced his 'this is it' moment a few days ago during his final school day at Gainesville High, so Monday was all about business.
Chestatee High hired Kevin Strickland on Monday as its new boys basketball coach, as announced by War Eagles athletic director Ben Corley in a press release.
As the GHSA is looking to crown its baseball champions, today marks the start of the penultimate round before the trophies are hoisted by the state's best squads.
MACON - The search for a state title goes on for the Johnson High boys soccer team.
The Georgia's high school golf world will converge on the Augusta area on Monday as the GHSA plans to crown its state champions.
The Johnson High boys soccer team is seeking its first state title in program history Saturday afternoon at Mercer University's Five Star Stadium in Macon.
The Flowery Branch boys basketball camp will be held June 6-9 from 9 a.m. to noon.
Flowery Branch High's Jake Shewbert won the Class AAAAA state championship with an all-classification best time of 4:11.64 in the 1600-meter run at the Georgia Olympics on Thursday at Memorial Stadium in Jefferson.
MACON - The plan was for East Hall to attack from the outset of the second half, to pressure Decatur no matter the score.
The East Hall boys soccer team is seeking its first state title in program history Thursday afternoon at Mercer University's Five Star Stadium in Macon.
North Hall's Jackson Davis was selected as the 2016 Region 8-AAAA Boys Tennis Player of the Year.
After eight seasons in charge of the East Hall baseball program, Wesley Crow resigned his position Monday.
Page 6 of 420
East Hall's Minette Maldonado finished with nine kills, four aces, three assists and 14 digs in Lady Vikings' senior night win against Cedar Shoals ...
Tangi Miller totaled a team-high 10 kills and seven digs, while Savannah Roys dished 28 assists with 18 digs to help Gainesville earn a split ...
Chestatee's Rebecca Eddins pitched a complete game with four strikes to help Chestatee clinch a playoff berth with a 4-3 win against White County ...
Lindsey Grater was speaking for the entire Chestatee High cross country program after winning the girls' race in Hall County championship on Tuesday.
Gainesville junior Brody Simmons shot a combined 9-over par, 153 to edge Brent Hamm of Warner Robbins by one stroke and win the Georgia Southern ...
The Gainesville High volleyball program edged North Hall 29-27, 25-23 to claim the Hall County volleyball championship on Saturday in Gainesville.
Buford softball completed play in the Ram Classic tournament with a pair of wins Saturday at Parkview High in Lilburn.
Buford's Chandler Wright pitched three innings, allowed two hits, one run and recorded four strikeouts on senior night in a 16-1 win over Region ...
Rebecca Eddins struck out eight batters in a complete-game performance from inside the pitching circle in Chestatee's 2-1 victory over East Hall on Wednesday.
Starting pitcher Macy Banks recorded seven strikeouts and only surrendered one earned run on three hits to lead the East Hall Lady Vikings to a ...
Elizabeth Eddins drove in the only run for Chestatee (17-5) in a 3-1 loss to Peachtree Ridge on Monday. Eddins pitched 2 1/3 innings ...
Chestatee's Elizabeth Eddins powered the Lady War Eagles to a 16-0 region win in three innings over West Hall Tuesday.
Page 1 of 1
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Welcome to Theatre Coppell
Daddy's Dyin' Who's got the Will?
by Del Shores
A Texas family, complete with drawls and their own take on the world outside the Lone Star State, come together to await the death of their patriarch. Each wants something from the old man's will, but is there enough to go around? And will the relatives survive each other? Buried underneath the uproariously funny situation is a surprise lesson on rebuilding respect, caring, and love.
Performance Dates: October 7 - 23, 2016
Fridays and Saturdays at 8 pm
Sundays at 2:30 pm
Please note our ticket policy does not permit children under 6 years of age.
Season Tickets Now On Sale
Five-show season tickets continue on sale for our 2016 - 2017 season. Note that this package does NOT include our first show, "Deuce." You will have an opportunity to purchase a separate ticket for that show during checkout. Please note that your regular season ticket seat may not be available for that show only. Here's what you'll see this year:
Comedy, drama, family, music. A great lineup.
To purchase season tickets:
As a season ticket holder you get these great benefits:
- Best seats guaranteed
- Exchange privileges: if you can't make your performance, just let us know and we'll switch dates
- No service fees on ticket sales
- Opportunity to buy additional tickets for shows before general public


text: About INTA Fact Sheets Types of Protection Print Page Page Image Fact Sheets Home Trade Dress Updated, November 2015 1. What is trade dress? Trade dress is the overall commercial image (look and feel) of a product that indicates or identifies the source of the product and distinguishes it from those of others. It may include the design or shape/configuration of a product; product labeling and packaging; and even the décor or environment in which services are provided. Trade dress can consist of such elements as size, shape, color and texture, to the extent that such elements are not functional. In many countries, trade dress is referred to as "get-up" or "product design." 2. What types of trade dress are protectable? Traditionally, trade dress was viewed as applicable to products, and product packaging trade dress generally is more readily recognized as being distinctive and entitled to protection. The concept of trade dress has been expanded in some countries to include services. In the United States, for example, trade dress protection applies to the "total visual image" where services are concerned. Thus, the U.S. Supreme Court found that a restaurant's décor, menu, layout and style of service were protectable. In other countries, it may be more difficult to establish trade dress rights, as the threshold for distinctiveness often is extremely high. 3. How may trade dress be protected? In the United States, trade dress may be protected via common-law rights (acquired through use in commerce) and/or by registration. In most other countries, some types of trade dress can be protected through registration and through actions for passing off and/or unfair competition. 4. What are the requirements for registration of trade dress? An application to register trade dress with the United States Patent and Trademark Office (USPTO) must include all of the same content as any other trademark application, including a description of the trade dress, identification of the product or service to be covered and payment of the appropriate fee. Substantively, the trade dress must be both distinctive (i.e., recognizable to consumers as identifying the source of the product or service) and nonfunctional (i.e., not be essential to the use or purpose of, and not affect the cost or quality of, the product or service). Functional trade dress is not registrable even if it is distinctive. The requirements for registering trade dress vary widely from country to country. Generally speaking, an application for trade dress must meet the standard requirements for any trademark application. The trade dress must either be inherently distinctive or have acquired distinctiveness. It cannot be functional. 5. How does one prevent others from using similar trade dress? In the United States, trade dress, like a trademark, is protectable under the federal Trademark Act (Lanham Act). If the trade dress is unregistered, the first hurdles that the trade dress owner must clear are articulating which aspects of its product or packaging constitute trade dress and establishing that the trade dress is protectable. The owner must then establish that there is a likelihood of confusion. Similarity would be evaluated by considering the similarity of the respective trade dress designs. All other likelihood-of-confusion factors generally are the same as in a case comparing traditional trademarks or logos. Trade dress rights may be enforced through an action in federal district court or through an opposition or cancellation proceeding before the USPTO's Trademark Trial and Appeal Board. In many other countries, protection arises mostly from filing and distinctiveness and is examined within the registration process. In addition to trademark law actions, actions for unfair competition and passing off provide a basis for enforcement under certain circumstances. Additional INTA Resources Topic Portal: Trade Dress Trade Dress: International Practice and Procedures Searchable database of comprehensive country profiles on trade dress protection and enforcement. INTA Membership required. Trade Dress Image Library Case summaries and images from trade dress infringement decisions in 70 jurisdictions. INTA Membership required. Please give us your feedback on whether this fact sheet was helpful or if you have suggestions for other fact sheet topics.


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ABC Supply CO Inc telephone number is (803) 771-4402.
Telefax: No fax number available
Website: No web address available
Biz owner? Moderate reviews or edit listing.
Search entire category for Roofing Equipment & Supplies
Roofing Equipment are the machinery required for construction, modification & repairing of roofs in Columbia. To ensure safety and protection, a roofer must install 'roof shingles' and 'flashing' in roofs during construction.
NYS Comptroller Thomas DiNapoli Addresses Clean Energy Leadership Task Force
Audits Confirm Savings from Energy Efficiency Improvements at Long Island School Districts (Long Island, NY) On Friday, February 19th, New York State Comptroller Thomas DiNapoli spoke before the Clean Energy Leadership Task Force which is a project directed by the Sustainability Institute at Molloy College located at Republic Airport in Farmingdale NY. Mr. DiNapoli discussed the results of audits..


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Top Definition
A meat-eater (as described by a vegetarian or vegan)
I've got nothing against corpse crunchers, but don't expect me to eat that shit.
von Morrissey Minor 29. Juli 2004
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Can you define these popular missing words?
Die Mails werden von email@example.com versendet. Wir versenden keine Spammails.×


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- Overcast
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Tue, 09/27/2016 - 14:22
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Crescent City
Nate Ambrosini has yet to take to the court for his senior season but the prep basketball star knows where he'll attend college.
In front of family and friends Thursday night at Fortuna High School, Ambrosini signed his letter of intent to play basketball next year at Chico State. The Wildcats are a member of the CCAA conference.
The 6-4 forward averaged 21 points and his numbers in the classroom are also impressive with a 4.3 grade average. Ambrosini was recruited by many schools but said Chico is the place he wants to be.


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Mobile Home Parks for Sale near Zephyrhills, FL. Looking to buy a mobile home park, mobile home community, manufactured home community, multi family housing, land lease community or trailer park? MobileHomeParkStore.com has 18 mobile home parks near Zephyrhills. Click here to list your mobile home park for sale.
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This park is located in the Wesley Chapel/Zephyrhills area. This park features 15 mobile homes with two additional spaces ready and possibl...
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MOBILE / RV PARK 4260 CASTLEWOOD RD SEFFNER, FL 33584 FOR SALE. CALL 813-727-1372- 21 Space Mobile Home Park Tenants own thei...
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Andrewmits, so true! BUT, today I had ANOTHER good sale, this time for $34.50! It was a hospital sign stating "Recovery Room."It happens so rarely.posted in I had a good sale today - $26.40!
Thanks everyone! I might add it was the only aerial shot of Pismo in Dreamstime, other than MY other ones. So try to submit something that's not here yet, and good luck with that! :)posted in I had a good sale today - $26.40!
Just wanted to share some good news. Someone bought my aerial shot of a pier at Pismo Beach and I made $26.40! A good sale does happen once in a while...Now I'm going to see if there are any others similar to mine at Dreamstime.posted in I had a good sale today - $26.40!
Susanne Neal
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with 200 aliases
clearly you are an idiot
ummmm errr it 'fell' up dummy dumb dumb
outside of making new aliases you dipturd.
That word needs to be censored? what a buch of moe rons !!!!!! Lol
You left a big chunk of cash to whoever bought. Ding, dang, #$%$ LOL !!!!!!
Re: that look out below warning given at 10:44 AM Oct 9, 2013 just plain bad advice.
in contention, gregorydandm, birdcatty, ibmwatcher, dumpster900 et.al.
lame idiot shorty pretending to be a long-term buy and hold shareholder, what an idiot.
Do what? Let's not forget you are one pathetic liar and idiot. What it reveals is your bashing from $2.40 is as effective as trying to prove you have average intelligence. Blame your parents, your DNA and/or poor education. All you do is prove you're stupid and I choose to have that proof revealed over and over again.
I suppose I shouldn't be surprised by such a stupid lie. That said, I had no clue you were that pathetically stupid until today.
phony scandals? the man is disgusting
ten bucks? Ok idiot $10
playing dumb or you truly are dumb, which is it? I say the latter.
seems the diminutive near non-functional tissue contained within your skull is prone to repeating what was already posted with you achieving pointlessness. Pretty much like your existence on this planet. ashlyhcrpiattoni you just may be as stupid as cloudy_day_jane.
board trolls love making new IDs
you missed it you idiot
1. be the idiot you are cut out to be
2. create more lame aliases
3. post more lies
4. 1 thru 3 = YOU !!
cloudy brain is the result of eatinb poop daily
spread the word


text:
News Bits
Site Map
Join the Indiana Choral Directors Association group on
The Indiana Choral Directors Association
is a member of the
Alliance for Indiana Music Education
(ACDA) is a non-profit music organization composed of over 18,000 choral musicians representing schools, colleges and universities, industry and institutional organizations, houses of worship, and community and professional choirs. The mission of the American Choral Directors Association is to inspire excellence in choral music through education, performance, composition, and advocacy.
ACDA is divided into seven geographic regions as well as into state chapters, each with its own conferences, newsletters, and programming. Residents of Indiana who join ACDA also become members of the Indiana chapter, the Indiana Choral Directors Association (ICDA). All Indiana members receive copies of
Choral Journal
(the ACDA national magazine),
(the Central Division newsletter) and
(Indiana's newsletter, printed three times a year).
All-State Vocal Jazz
ICDA has just wrapped up another successful summer conference last June. Our headliners, Joe Miller and Ken Fulton, were well-received by conference attendees. Their notes may be found under the "conference" tab, "previous years' presentation and materials." A welcome addition this year was the choral evensong at Trinity Episcopal Church of Indianapolis. And, the All State Jazz Choir gave a fine performance on Tuesday night of the conference, under the able direction of James Spillane.
One of the major events ICDA sponsors each year is the Indiana All State Honor Choir. The 2017 All State Choir will be conducted by Z. Randall Stroope, and will perform at the Indiana Music Educators Association conference in Fort Wayne, January 14, 2017. Dr. Stroope will conduct the premier of one of his own compositions that was commissioned in honor of the 2017 All State Choir.
Auditions for All State Choir will be completed no later than the end of September, 2016. If you have not auditioned yet, you may expect to hear from your Area chairperson soon. Area chairs are in charge of all auditions and rehearsals. The audition song and rehearsal materials are posted on this page. Prospective singers will be required to sight-read at the audition. All State singers have four mandatory, three hour rehearsals that will occur before the performance. Area chairs set the rehearsal schedule. All State Choir is a unique opportunity for your students to work with other strong singers under the direction of an internationally famous conductor.
To join ACDA, simply print and complete the ACDA membership form and follow its mailing instructions or join via the ACDA web site (click the appropriate button below). For ICDA information, click on the Leadership tab on this web page and contact anyone listed there.


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When you are considering filing bankruptcy, you undoubtedly have many questions. Most people wonder what property, if any, will they be able to keep when they file. Books, furniture, jewelry, tools, musical instruments, vehicles and other items most people think of as essentials of life are subject to being taken by the Trustee in Bankruptcy and sold with the proceeds being used to pay some of your creditors. Depending upon where you live, you have the right to keep certain kinds of property because the law considers it to be exempt, or not subject to seizure by the Trustee. This is known as exempt property and what is or is not exempt varies from State to State. The idea is that if you lose everything you own in Bankruptcy, starting over will be next to impossible and essentials will be too costly to replace. There is one piece of property, however, that many people feel could never be replaced. The decision to file or not to file often hinges upon understanding what will happen to their home.
It would be an understatement to say that making this decision is something you must carefully consider and discuss with your attorney. Making the wrong decision could result in the loss of your property, and in some instances a foreclosure and responsibility for repayment of tens of thousands of dollars to the Mortgage company if the property is not properly included in your Bankruptcy and lost in foreclosure. There are many technical issues involved and each case is unique. Obviously, your case is the most important one to you. Be sure to choose wisely and with the advice of counsel.
Because the issues involved in keeping your home in Bankruptcy are complex, we are going to split this discussion into two blog entries. This week will concentrate on the different kinds of mortgages, some basic definitions and a discussion of factors the Court will consider when determining if you will be able to keep your home.
In order to understand what might happen to your home, you have to first understand why it is treated differently than other kinds of property under the Bankruptcy law. Most of the property you own is not subject to a lender's security interest, or a lien, that gives them the exclusive right to payment of a debt. Car loans and mortgages are the two biggest exceptions. This right, or "security interest," means that they can be paid to the extent that the property is worth at sale toward the amount of the debt owed. If they are not paid, they have the right to repossess the property, as in the case of a vehicle, or foreclose on a home. In order to retain a home when you file Bankruptcy several factors need to be considered.
A.How Much Is Your Home Worth?
In order for the Court to determine whether or not you may be able to keep your home, you will need to have a market estimate of what the home is worth. This can be done by comparing the home to other similar homes in the area.
B.How Much Do You Owe On Your Home?
The second, and probably more important factor to consider is how much you owe on your home. This is the amount you owe on your mortgage, but could be increased by other debts such as property taxes, tax liens, judgments, second mortgages that create additional mortgages or liens on your home. While all of these kinds of liens may have an effect on how the Court treats your home in Bankruptcy, the most important one to consider is your mortgage.
C.Are You Current On Your Mortgage?
If you are current on your mortgage, you may be able to simply continue to make payments and not put your home at risk in a Bankruptcy. If you are behind, you have some options available to you that may help you to catch up on the amount in arrears over time and still keep your home. If you are current, you may be able to file Bankruptcy without putting your house at risk at all. There are other factors which will determine if this is possible. We will discuss those later.
D.If You Have Equity, How Much Of It Can You Keep?
As discussed earlier, the amount of equity you have in your home is determined by subtracting the amount of mortgages and liens from the amount you owe. While in many cases there is no equity, often there is a sizeable amount. Since the purpose of Bankruptcy is to give someone a new start, most states allow you to keep a certain amount of that equity in an attempt to either help you to retain your home, or keep some of the proceeds if you sell your home or if it is taken by the Trustee. This is known as an Homestead Exemption. The amount of this exemption varies from a few thousand dollars to an unlimited amount if you meet certain requirements. Some states utilize the rules of the Federal Law, and yet others give you a choice of which one is best for you. This is something you would need to discuss with your attorney. He or she knows what is best for your specific situation.
A.Filling The Case
The first step in filing a Bankruptcy is completing a Petition. This is a fairly simple document that tells the Court that you are asking for protection from your creditors and also tells the Court under what chapter of the Bankruptcy law you wish to proceed. Along with the Petition, you must file proof that you took a required Counseling Course and some other procedural documents. When these are filed with the Court, you are given a case number and a date for you to return to the Court for a meeting with your creditors.
There are additional documents required to complete a Bankruptcy filing. These are lists of debts, lists of property, financial records, tax records and other information required by the Court. In most cases, all of the documentation is filed with the Petition. If there are documents missing, the Court Clerk will give you a list of what you need to file and will give you a deadline for filing them. If you fail to complete the filing you risk the chance that the Court will dismiss your case.
When you file your Bankruptcy, a Trustee, a person appointed by the Court, takes over all of your property. It is the Trustee's job to determine what property you can retain, what can be sold to satisfy creditors, and what payments, if any, you should have to make toward outstanding debt. In theory, the Trustee is an unbiased person who makes these decisions based upon Federal Bankruptcy Law and the rules of the particular Court involved.¬ (These are known as local rules.)
B.The Automatic Stay If Execution
Once your case is filed, you are protected from any action from creditors, including but not limited to debt collection, repossession, and foreclosure. This protection, known as a "Stay of Execution" remains in place during the time the case is pending, though some of those protections may be removed if the Creditor asks the Court for "relief" from the stay. This is of particular interest to you if you have a mortgage. We will discuss this in detail in next week's blog.
C.Chapter 7 and Chapter 13
While there are several other kinds of Bankruptcy, the most commonly utilized are Chapter 7 or Chapter 13 cases. At the end of the case, the debtor is no longer responsible for repayment of debts listed in the Bankruptcy. This is known as a "discharge" of debt. How the debtor gets to the end of each kind of case is much different and you and your attorney will have to discuss which case is the right one for you. It is important to understand that how your home is treated by the Court under the two may be different.
A Chapter 7 is also known as a "no asset" case. In this kind of filing, the debtor is essentially saying that they have no assets, or that their liabilities are greater than their assets, and that they can no longer pay their debts. The Trustee reviews the information given and determines what debts may be discharged and what property, if any, may be taken and sold to satisfy outstanding debt. In order to qualify for a Chapter 7 Bankruptcy, however, you must meet some minimum requirements with respect to the amount of money you earn. The Court applies a "means test" to determine if you should be required to pay back some or all of your debt over a period of years. If you made too much money over the most recent 6 month period, you will not be able to file this kind of Bankruptcy. The amount is different from state to state. If you make less, you may file a Chapter 7 Bankruptcy and have your debt discharged in a relatively short amount of time.
If you do not qualify for a Chapter 7, you will have to file a Chapter 13 or "wage -earner's" case. In this kind of Bankruptcy, your lawyer will prepare a repayment plan and present it to the Court. Under this plan, you will be required to pay a portion of your income to the Court over a period of 3 to 5 years. When you complete the plan, your remaining debt will be discharged. However, it is important to realize that arrearages on your mortgage will have to be brought current during that time, and you must keep making the regular mortgage payment and keep it current.
This week's blog is just to give you some of the basics of filing a Bankruptcy. Next week, we will discuss how filing a Bankruptcy could affect your home ownership, and some of the strategies you and your attorney can consider when determining whether you should file a Bankruptcy and under which Chapter you should proceed. Specifically we will look at how filing under the different Chapters works and what you can do to retain your home outside of Bankruptcy. Often, keeping your home is as simple as negotiating terms with your lender after you file. Sometimes, you need to take more technical steps to keep it. And sometimes it simply is not possible to hold onto it. Bankruptcy Laws give you several ways to get a fresh start and to keep the property you call home. We will discuss some of them in detail next week.
DISCLAIMER: This article is not intended to be legal advice and does not create an attorney/client relationship. There is no substitute for consulting with an attorney to determine if Bankruptcy is right for you, or if some other course of action will be more beneficial. While it is possible for you to file a Bankruptcy without an attorney, it is important to know that the procedure is complex and mistakes can be very costly. Even if you decide to proceed on your own, it is highly recommended that you speak with an attorney before you make that decision.
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Filing a Bankruptcy is intimidating. There is no question about that. Most people don't want to file but are in such a desperate financial crisis that they feel that there is no choice. There may or may not be options available to you when you are thinking about filing, and this is something you should discuss with your attorney before you make the decision. But even with the best advice you can get, you will undoubtedly have some questions about Bankruptcy.
1. Do you have the right to file a bankruptcy?
While most people think the only rights granted in the Constitution are in the Bill of Rights, the fact is that in the "Articles" of the Constitution, there are more rights granted to the people and more powers to the Federal Government than you might realize. One of the powers granted to Congress is to provide a uniform system for people to utilize in filing a Bankruptcy. (Article 1 Section 8 Clause 4)
2. What will my family and friends think?
There really is no way to predict how family and friends will react if you file. Some people might have a negative opinion of people who file Bankruptcy. In truth, most people will never know you filed unless you tell them or there is some need for them to know. While it is true that some people abuse the Bankruptcy system, the fact is that most who file Bankruptcy are just like you. Their finances spiraled out of control for reasons like losing a job, medical expenses, or loss of income, pensions and home value because of the crash of 2007-2008. For most, filing a Bankruptcy is a necessity, not abuse of "the system."
3. Will filing hurt the economy?
Not at all. Banks and other lenders realize that Bankruptcy is a necessary part of our economy because the person who files receives a fresh start. People who are buried in debt are not contributing to the economy. In countries that do not allow Bankruptcy, these people become part of an underground economy. They work "under the table." They do not have bank accounts, mortgages, or credit cards because they realize that they can be sued, have their wages or other assets garnished or levied and lose what little else they have. When someone gets the chance to start over, they become an active member of society and actually help the economy grow.
4. Is it true I'll never be able to get credit again?
This is one of the biggest misconceptions people have about Bankruptcy and is what we are going to discuss today. A Bankruptcy can stay on your credit for up to 10 yearss and it is understandable that you would not want to ruin your credit for that long. The fact is, however, that if you are contemplating filing a Bankruptcy, chances are your credit score is very low and unacceptable to most lenders.
You can wait for negative entries to "fall off" your credit profile, but that can take 7-10 years to happen. During that time, you may be sued, have judgments against you, have your wages garnished and extend the amount of time negative entries will remain on your credit. A judgment can stay as an active debt on your credit for decades in some states.
Another fact is that filing a Bankruptcy may actually increase your credit score.
You read that correctly. Filing a Bankruptcy may increase your score and a lot sooner than you may think. And that's what we are going to discuss in some detail today.
Your credit score is made up of many factors, such as number of accounts, balances, debt ratio, and of course payment history. Each factor is weighed differently when the score is computed. The most important factor and the one that counts the most is your payment history. But other things are almost as important. For instance, a "new" late payment might count more than late payments that are a year old. If your bank lowers your credit limit, your credit score could go down even though you are paying on time every month. Surprisingly, if you pay off your credit card in full every month, you could damage your credit. If you have $25,000 of total limit on your credit card and maintain a high balance but pay on time, your score will be lower than if you have a lower balance and pay on time. In other words, the "system" is convoluted and generally most people can't keep track of all the factors and how to control them. In short, the way your score is computed remains a mystery, even to the "experts" who work in the field. Now, back to how your Bankruptcy can help your score.
Several important things can help your credit score when you file.
1. You are no longer in debt.
When you file a Bankruptcy, all or most of your debt is wiped out after discharge. At that point, the debt is gone from your credit history. So an account with a $6,000.00 balance now shows a 0 balance. The lower your outstanding balances, the better your score. This kind of improvement can be almost immediate.
2. Your debt ratio improves.
If you have $10,000.00 in available credit, and you utilizing $9,000.00, you have a high debt ratio that can significantly decrease your score. When you wipe out the debt, your debt ratio may improve. This is a double edged sword in some ways because you also lose the available credit. Overall, the effect is positive.
3. Negative entries are changed.
The third positive effect is the removal of most of the negative payment history and other information that lowers your score from your credit profile. All of those references to how long it's been since you made a payment are removed or modified. Most of the history will show a zero balance, included in Bankruptcy. Removing the age of the delinquency and the amount due may improve your score.
4. You are compared to people like you.
The most surprising factor in determining post Bankruptcy credit scores is the way credit reporting agencies characterize you when you file. It's a little known fact that in order to more accurately predict someone's creditworthiness, Fair Isaac (FICO) has developed a "score card" system that puts consumers in 10 different categories. This is so you are not being compared with people who have 780 credit scores. You are being compared to people who are in a similar situation. You will therefore be compared to people who have more in common with your financial situation, including filing a Bankruptcy.
While the exact criteria for each category are not disclosed, this reclassification almost universally results in an increased credit score. How much it increases depends upon this and more factors which are not usually defined. In many ways it resembles the way someone who handicaps horses determines if the horse they want can win. If the horse is put into a lower racing class, it may perform better in a "weaker" field and have a better chance at winning. That's the way being put into this category works for most people.
5. Rebuilding does not take 10 years.
While it is true that a Bankruptcy can stay on your credit history for 7 to 10 years, the fact is that it will not stop you from borrowing at a competitive rate for that long. Most lenders will extend credit to you after as little as two years have passed since you filed for Bankruptcy. Lenders are in the business of lending. The sooner they are able to extend credit to you and other people who have filed, the sooner they generate income from lending to you.
Many people who file qualify for mortgages, car loans and other forms of credit in a very short time. You can take some basic steps to speed up this process and we will discuss some of these strategies in the next blog.
Remember, filing a Bankruptcy is a life changing event. Your credit score is only one factor to consider and there is no guarantee that your score will improve immediately after filing. For some people, filing is a last resort. For others, it is the only resort. The best way to find out if filing a Bankruptcy is right for you is to discuss your options with an attorney. Most reputable attorneys will provide an initial consultation at no charge. An attorney can evaluate your situation and help you to decide whether or not you should file, and what effect it will have on your future.
DISCLAIMER: This article is not intended to be legal advice or to create an attorney/client relationship with readers.
Posted in: Bankruptcy
Bankruptcy is very often a time-sensitive process and pre-bankruptcy planning can be critical in protecting assets. Chapter 7, in particular, the trustee's responsibility is to "look back" at the actions the debtor has taken to insure that there hasn't been a fraudulent conveyance of assets, a non-allowed preference payment to creditors or other actions that might leave assets exposed. It's critical, if you are considering bankruptcy, to consider taking the following steps to insure a successful filing:
1. Consult with an attorney.
The bankruptcy laws have become so complex that consumers should not attempt to file by themselves. It's a very risky process to try to do on your own. Since 2005, there is a complicated "Means Test" required, government-approved credit counseling, as well as other changes which made the filing of Bankruptcy much more complicated. Even if you eventually file pro-se (representing yourself) consult an attorney and ask questions about whether bankruptcy is the right alternative for you.
You want an attorney that's there to solve your problems and sees bankruptcy as one of the alternatives. This is particularly critical if you have assets (Home, Car, Cash) that have to be considered and your debts are substantial and varied. If the attorney's recommendation is still to file for bankruptcy, ask what the benefits are and the costs.
2. Get Your Paperwork in Order
When I meet with clients, it is often the case that their paperwork, be it bills, taxes, etc. are not organized in any good manner. This makes it much more difficult and time consuming to evaluate a client's case. Therefore, it is a very strong suggestion to collect all statements from bill collectors. Go online and get complete addresses of creditors who may have stopped billing you. Check the balances at financial institutions where you bank. Look at your recent tax returns to provide your gross income over the past three years. Basically, get to know your assets and liabilities and have them written out and organized for your lawyer to prepare your case.
The more complete you can be in providing a list of your creditors, the less problems or headaches you will have from creditors after your bankruptcy case is over. Once you know that you are going to file, start to save all correspondence that arrives from creditors, collection agencies or others who are trying to collect on a debt. The disclosure requirements have become more stringent so you want to make sure that your have forwarded all of your creditor information to your attorney. If you are unsure of exactly who you may owe, you may want to consider acquiring a copy of your most recent credit reports. Each year you may request a free copy of your credit reports from the three major credit bureaus reporting companies. Those are TransUnion, Equifax and Experian and they can be obtained by going to www.annualcreditreport.com. Even if you are unaware of the creditors listed on your reports, provide those to your attorney anyway. When you seek credit after your filing for a mortgage, auto loan, or personal loan, you want to be able to show that all of the items on your credit report were listed and discharged in your bankruptcy case. The rule to remember is that everyone who is owed is listed on your bankruptcy petition and schedules.
3. Stop Using Your credit cards or incurring more debt.
Once you have decided to file a bankruptcy you should stop using credit cards or borrowing money immediately. If you continue to incur new debt prior to filing, it could prompt an objection from the creditor and you may be forced to repay the money. Any recent purchases or advances can be held still due and owing after you file bankruptcy. The rational is that you never intended to pay those debts back and is tantamount to fraud. If you're seeking a fresh start, do your best to insure that you will in fact receive that fresh start. The credit card issuers are very aware of attempts to run-up the charges on credit cards. This also applied to cash advances. If you take a cash advance s too close to filing bankruptcy, you are likely to see an objection from the credit card issuers. The objection comes in the form of an adversarial complaint. If the creditor is successful in their objection, the amount of the recent advance(s) will be held due and owing after your bankruptcy case.
4. File your taxes
You must file your most recent year's taxes to qualify for Chapter 7 bankruptcy relief. Although this seems like a simple requirement, you would be amazed at the number of individuals who have not filed their most recent taxes. A copy of the return will be forwarded to your assigned bankruptcy trustee after your case is filed. You must also provide your most recent tax return to any creditor who requests it. Please be prepared to produce the last 2 years returns, both state and Federal.
5. Provide your most recent pay advices
You must provide the most recent 60 days worth of paycheck stubs at the time your case is filed. These will be forwarded to your assigned bankruptcy trustee or may be filed with the clerk of the bankruptcy court. This measure is in place to make sure that the amount listed on the petition for monthly income is in fact accurate. If a person receives income from a source other than employment, evidence of that income must be provided just as if a paycheck stub. Once you are aware that you are likely going to file bankruptcy, keep copies all of your paycheck stubs in an organized manner.
6. Don't sell, give away or transfer ownership of anything prior to filing your bankruptcy case without first discussing it with your lawyer, including money owed to family members.
Doing so could allow a bankruptcy trustee to go after the property. Money paid to family members and friends within one year prior to your bankruptcy can be recovered by the bankruptcy trustee. If the amount paid is small, the bankruptcy trustee probably will not care, but it is wise to be cautious. Transferring ownership of property to pay a debt owed to someone could allow the bankruptcy trustee to get the property back as a "preference" payment. Remember, a key concept in bankruptcy is that all of your creditors are entitled to your non-exempt assets equally, this applies to money owed to friends or family members as well.
7. Don't leave assets off your bankruptcy forms, including lawsuits or claims you may have.
The only way to exempt an asset and protect it from the bankruptcy trustee is to list it and exempt in under the applicable New York exemption law, federal exemption law, or other state exemption laws if you have not lived in New York long enough. Intentionally leaving out an asset is a federal crime. The much better choice is to candidly talk about all of your property with your lawyer, through proper pre-bankruptcy planning much can be done to protect assets. If this is not possible perhaps a chapter 13 bankruptcy could solve the problem. Also, if you do not list your claim or lawsuit you may never be able to bring that suit in the future!
8. Don't take money out of retirement plans, IRA's or 401K's.
Under almost all circumstances, money in a retirement account is protected from the trustee when you file bankruptcy. However, if you withdraw money from the retirement account, it most likely loses its exempt status and the money may no longer be protected. Talk with your lawyer about this if you really need to withdraw some money. Be particularly careful of taking a loan on a retirement account, as they are almost never dischargeable in bankruptcy.
9. Be careful filing bankruptcy if you are expecting a large tax refund.
An income tax refund is considered "cash" under the Bankruptcy Code and a bankruptcy trustee can take most if not all of your refund, if not careful. The better choice is to postpone your bankruptcy if you can, receive the refund, then talk with your lawyer about where to spend the money that will not get you in trouble. This will take some planning and may delay the filing, but pre-filing strategy can be critical.
10. Be Careful putting your name on any Asset.
Don't put your money into someone else's bank account or put your name on someone else's account. A lot of people put their name on their elderly parent's account "just in case." This is usually a bad idea. If you want to be able to help mom or dad in case of disability or illness, a power of attorney is probably a better choice. Remember: any asset with your name on it is YOURS, even if you never use it (Car title) or contribute to it (bank account).
Make sure to be fully candid with your bankruptcy lawyer. Your lawyer cannot give you good advice if he or she doesn't know all the facts.
Tags: Bankruptcy, Bankruptcy Attorney, Bankruptcy Lawyer
Do you know someone who's at the brink of a bankruptcy and don't know what to do with the situation? Or perhaps, you are in the same ship trying to cope with your situation but don't know what to do, you don't even know there's professional help waiting for you. Yes! You can file for Bankruptcy by engaging the services of a bankruptcy lawyer. When you know that you cannot pay your loans to the bank anymore you need to consider filing for bankruptcy and they are the people to help you.
· Do you think that your home or car are at risk of being taken away from you?
· Is debt affecting you so much personally?
· Are your debt collectors keep on calling you?
· Have you been sued by a creditor?
If your answer to any of the above questions is yes, then you may be a good candidate for filing bankruptcy.
Why should you file for bankruptcy? Because bankruptcy is the one legal tool to protect you from your creditors and at the same time, eliminate your debt swiftly. It's the fastest way you can get back on track financially and have more of your time to spend with your family. In short, filing for bankruptcy can give you and your family a fresh start.
How important is the service of a bankruptcy lawyer? He or she will help you in the process of filing bankruptcy until you legally erase your debts. Why take the risk of a long, expensive process when you can work directly through a bankruptcy attorney? Imagine the headaches, the stress and nightmares of going to court, the long hours of waiting for your name to be called. So once you find yourself in that same situation you need a bankruptcy lawyer.
Some of these specialists are expensive with regards to their services but I assure you that the link below that I'm going to give you can provide good service at a very reasonable and manageable price. In this site, you can receive a top notch attorney at a reasonable price and quickly rid yourself of debt through bankruptcy. What you will receive is the customer support and hand holding that you truly deserve during these very difficult times. They will also never have your questions go unanswered. There is a responsive case management team that is eager to help you every step of the way.
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Dr. Mark Simpson practices family practice at Memorial Healthcare System in Chattanooga Tennessee.
Dr. Mark Simpson has been compared 114 times. Details of Dr. Simpson's practice are available on your free doctor report.
Mark Simpson is affiliated with Memorial Healthcare System, located in Chattanooga, Tennessee.
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City of Moraine (OH) FIREFIGHTER / PARAMEDIC
The City of Moraine (OH) is accepting applications for FULL TIME FIREFIGHTER/PARAMEDIC Until Aug. 29, 2016 Salary $49,212.80. – $66,881.57 Annually
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Futsal Laws Test #93
Free Futsal FIFA Laws of the Game Quiz and Tests for Referee's, Coaches, Players and Fans
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BEWARE: This page is the Futsal TESTS and is NOT the SOCCER(FOOTBALL) TESTS!!!!
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1 of 4
If the goalkeeper taking the goal clearance does not release the ball from within his penalty area, the referees….
(a) order the goal clearance to be taken again.
(b)continue the four second count when the goalkeeper is ready to take the kick again...
(c)allow play to continue.
Answers a and b are correct.
Reference: Law 16 - The Goal Clearance
2 of 4
A defending player is standing on his goal line between the posts and he clears the ball with his hands.The ball goes to a rival who immediately scores a goal. What action should the referees take?
(a)Send him off for denying a goal by deliberately handling the ball, and restart the match with a penalty kick.
Apply the advantage, award the goal and caution him for unsporting behavior.
(c) Apply the advantage, award the goal and send him off for attempting to deny a goal by deliberately handling the ball.
(d) Apply the advantage, award the goal, without taking any disciplinary measures.
Reference: Law 12 - Fouls and Misconduct
3 of 4
According to the Futsal Laws of the Game, what is the minimum number of players required for each team in order for a match to start?
(d)Those stipulated in the competition rules.
Reference: Law 3 - The Number of Players
4 of 4
The formulation of Law 7 is:
(a)The beginning and restart of play.
(b)Dropped ball and offside.
The duration of the match.
(d)The assistant referees.
Reference: Law 7 - The Duration of the Match ; Law 8 - The Start and Restart of Play
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Wealth Management Risk Professional
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- Hangzhou, Zhejiang Sheng, China
- Permanent, Full time
- Hudson China
- 09 Sep 16
My client is one of the top-tier domestic Payment Services company.
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StartUpHire is the place to find jobs at Madison startups. Review the list of Madison career opportunities to the left. These Madison, PA jobs at startups represent some of the most rewarding careers available.
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Location:Pittsburgh, PA Job Code:229 # of Openings:1 Description Field Service Engineer Pittsburgh, Pa Position: The Field Service Engineer will serve as a primary point of contact for Aquion Energy?s customers and partners. They are focused on maintaining customer9/29/2016 Pittsburgh, PA Save This Job
Location:Pittsburgh, PA Job Code:230 # of Openings:1 Description Field Service Technician Pittsburgh, Pa Position: The Field Service Technician will serve as the primary diagnostic, troubleshooting, preventive and corrective maintenance services for Aquion Energy?s9/29/2016 Pittsburgh, PA Save This Job
Bridgeville, Pennsylvania Job Description All Covered , IT services from Konica Minolta, is focused on enabling the success of small and medium-sized businesses through the effective use and management of technology. The company is the US industry leader in the provision of IT9/23/2016 Bridgeville, PA Save This Job
If you are tired of recruiting for people as if they are a commodity and want the challenge of finding extraordinarily talented individuals, this could be your opportunity. Grant Street Group is looking for someone who has the capability to learn about our business, products,9/14/2016 Pittsburgh, PA Save This Job
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Foundation Radiology Group is currently seeking a board-certified Plain Film/Xray Reader. Full-time and part-time positions available. This is a work from home position. Qualifications: Board Certified in Diagnostic Radiology Pennsylvania Medical License What we9/14/2016 Pittsburgh, PA Save This Job
To support our rapid growth, we are seeking an Accountant to be an integral part of the Finance Team. The primary role of the Staff Accountant is to provide support to the Finance Department. Reporting to the Accounting Manager and working with the Senior Accountant, this9/14/2016 Pittsburgh, PA Save This Job
The Client Services Supervisor is responsible for managing the client services team. This position provides direction and oversight to the employees, processes and workflow associated with the client services teams. This position also develops and maintains effective client9/14/2016 Pittsburgh, PA Save This Job
The Radiology Support Specialist is a unique position for candidates who have good word processing skills, are familiar with medical terminology and/or medical anatomy, and have experience as a Radiology Technician. The primary role of this position is to partner with the9/14/2016 Pittsburgh, PA Save This Job
PITTSBURGH, PAENGINEERINGFULL-TIME APPLY FOR THIS JOB Help our engineering team develop the next-generation education technology. RESPONSIBILITIES: Lead and mentor engineering teams at Duolingo Attract and hire top-notch engineers and data scientists Help develop and revise the9/7/2016 Pittsburgh, PA Save This Job
PITTSBURGH, PAENGINEERINGFULL-TIME APPLY FOR THIS JOB A Tester excited to help Duolingo grow faster and deliver high quality products. Duolingo is changing the way that millions of people are learning. People from all over the world are learning new and different languages9/7/2016 Pittsburgh, PA Save This Job
PITTSBURGH, PAPRODUCTFULL-TIME APPLY FOR THIS JOB A gaming champion to make education fun. Duolingo is the world?s most popular way to learn languages. We believe the way to make learning effective, and to turn it into a habit, is to make it fun. We?re looking for an experienced9/7/2016 Pittsburgh, PA Save This Job
PITTSBURGH, PA OR REMOTELY (U.S. PREFERRED)TEACHINGFULL-TIME APPLY FOR THIS JOB Use your language expertise to help Duolingo users learn German with our new chat feature. Duolingo is looking for a native-level German speaker to help us improve the way we teach German to our9/7/2016 Pittsburgh, PA Save This Job
Telecommuter About the Job We are currently seeking a project engineer to join our Utility Services group based in the Pittsburgh, PA area. The successful candidates must have a strong understanding of industrial processes specific to the chemical and primary metals9/1/2016 Pittsburgh, PA Save This Job
Job Description: Position Reports to CEO ?Lead a team of outstanding service professionals in the healthcare automation space to drive hospital customers to highest level of financial and operational performance. ?Drive customer satisfaction scores and value seen by customer in8/31/2016 Pittsburgh, PA Saved Job
Job Description: Reports to: Chief Executive Officer, Pittsburgh, PA Experience: 10+ years marketing, 3+ years managing Marketing team. Atleast 5 years experience of marketing in the hospital industry. Job purpose: To plan and carry out direct marketing and public relations8/31/2016 Pittsburgh, PA Save This Job
Job Description: Experience: 10+ years selling capital sales to executives. Atleast 5 years experience of selling to hospitals. Reports to: Head of Sales We are also looking for below regions. ?Southwest: Texas, Oklahoma, Arkansas, Mississippi, Louisiana ?Southeast: Tennessee,8/31/2016 Pittsburgh, PA Save This Job


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Participating Establishments 2016 Posted: Aug 23, 2016
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2016 Food Safety Course List and Registration Form Posted: Aug 03, 2016
Fall 2016 Elective Course Calgary Schedule Workplace Health & Safety Posted: Jul 06, 2016
Independent, federally inspected bakery founded in 1962. High speed bread and bun line, as well as specialty bread and pastry products, and the only producer of English Muffins on the Prairies. We service (direct delivery) the South Central Alberta market, and partner with other groups for distribution of products throughout western Canada.
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Love it, hate it, good story, bad story... the media are going to keep reporting on ME/CFS no matter what. But isn't it time that we saw that coverage as an opportunity?
Discuss the article on the Forums.
Homeopathy for mental fatigue: lessons from a randomized, triple blind, placebo-controlled cross-ove
Discussion in 'Other Health News and Research' started by WillowJ, Jun 9, 2013.


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stage musical Poppins. Lawson's book is receiving a new wave of attention in paperback form as a result of Mr. Banks, in theaters now. Here's an edited transcript of our chat. Q: Your book was published a number of years ago, but now with the movie coming out, you must be getting a lot of interview requests. A: Yes,
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whenever the firm's stock value rises, according to the report. "It seems evident that individual CEOs are not responsible for this broad improvement in profits in the past few years, but they clearly are benefiting from it," the report said. with the largest revenue each year, and includes stock options exercised in a given year. "The reason to focus on the
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1 language school in Uruguay offering School Trips / Groups courses from for a 1 week Spanish course including accommodation.
School trips abroad to attend a language course. Ideal as end of course trips combining language learning and optional packages of activities.
All prices for group courses listed below include:
- accommodation for students and 2 supervisors
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Airport transfer - Carrasco International (MVD) (65 US$)
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* Exhibitor Previews! Read more about innovations & product launches to discover at the show! *
The Energy Silk Road initiative is a significant infrastructure investment covering land and marine connections between China and 65 other countries from Europe's ARA region through to Russia, Turkey, China and South East Asia. This will be a key influence in continuing Asia's growth in storage capacity, currently up 5%, supported by an increase in terminal investments across the region.
Asia is expected to add an additional 45 million m3 of crude oil storage capacity between 2015 and 2017, and with the economy growing faster than the rest of the world, there couldn't be a better time to visit.
Online visitor registration is now closed. If you wish to attend the event, you can register for free onsite.
Tuesday, 27 September 2016 - 10am - 6pm
Wednesday, 28 September 2016 - 10am - 5pm
Tuesday, 27 September 2016 - 9am - 5pm
Wednesday, 28 September 2016 - 9am - 4pm
Each year Tank Storage Asia hosts an expert line up of speakers to inspire and inform. Have a look at the 2016 programme here.
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Pressure the U.S. Army Corps of Engineers to help with a river cleanup project
We often spend our weekends cleaning plastic debris out of the beautiful Monongahela River in West Virginia. One weekend
We often spend our weekends cleaning plastic debris out of the beautiful Monongahela River in West Virginia. One weekend
Wolf hunting is not needed in Michigan! With less than 700 wolves across the span of 96,720 sq miles, how could anyone
Living GREEN Network is currently raising funds to support 3 priorities after the devastating floods that hit Colorado.
Earthworks (earthworksaction.org) is dedicated to protecting communities and the environment from the impacts of
Solicitamos a la SEMARNAT y la SEDATU asegurar la conservación y uso sustentable de los recursos en el área protegida
One of Africa's most beautiful remaining wilderness areas is about to be ripped apart by an open-cast copper mine
Todos los dominicanos debemos de firmar esta petición y así llamar la atención y pedirle al Presidente Danilo Medina
I would like to implore people to do more to save our planet Earth and provide a cleaner, safer and better environment
México D.F a 19 de Febrero del 2013 Los Zoológicos de la Ciudad de México Fallan Para la Conservación del Lobo Mexicano
I pledge to take action to end the killing of loggerhead sea turtles in Baja, Mexico's gillnets. Click here to sign


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Tue Sep 20, 2016 9:44 pm by Adrienne Reynolds
Hello! If your students need to be aged up, please post their Full name and the year they need to be in for the coming school year.
For example, Apollo Zabini was a fifth year in the spring, but he is going to be a Sixth Year, so I would put down "Apollo Zabini, Sixth Year."
You should post all of your student characters' information in one post so we can keep track and make sure we got everybody. We'll reply like we do in claims after you've been updated so you'll know we think we've done them all. Please correct us if we miss someone, though.
Comments: 12
Log In Problems?
Fri Aug 26, 2016 6:36 pm by Khaat Lupin
Hey, Guys!
I know some of you have been having an issue w/ log in problems, and you're getting an ad covering the log in box.
So, here's what I think I know.
First, most of you are getting this with the mobile version, yes? Anybody getting this on their laptops?
And--yes, i've been speaking with Forumotion on this, and we're not the only Forumotion site with this issue. So, yes, they know, and yes, they will be addressing it.
And--yes, we have recently upgraded PA to be ad free for members. In other words, adblocker or not, once you log in, your board should then be ad free.
Hope it helps!
But, if you find that you have that weird log in thing going on, give me a shout. I need to know what sort of device you're using---iphone, android, laptop, tablet, yada, yada.....What …
[ Full reading ]
Comments: 5
If your character is at Ilvermorny, read this
Sun Sep 04, 2016 11:23 pm by Selwyn Thorfinn
Hello PA!
If you have a character at Ilvermorny, I need you to go post in this thread here and tell us about them.
If you choose not to post there, we won't really be able to help you get the most out of the plot.
Comments: 0
Latest topics
Who is online?In total there are 28 users online :: 5 Registered, 0 Hidden and 23 Guests
Adrienne Reynolds, Maddie McKillon, Percy Weasley, Selwyn Thorfinn, Senona Brânduşa
Most users ever online was 143 on Sun Feb 27, 2011 3:16 am


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Bonus: just below, I've added another all-time favorite, that helped me when young to remember that sadness is not only okay, it's essential to our empathy, to our vision of creating an entlightened society…and that the fruition of all this meditation practice and study, of the power and the vision, of our genuine sadness and empathy for suffering, but…the fruition is simply right here, right now, in our present actions: like how we drink our tea.
"Hold the sadness and pain of samsara in your heart and at the same time the power and vision of the Great Eastern Sun.
Then the warrior can make a proper cup of tea." ~ Pema Chodron
With notes: "Hold the sadness and pain of samsara [suffering, confusion] in your heart and at the same time the power and vision of the Great Eastern Sun [fundamental awake human nature]. Then the warrior [brave enough to look at & work with reality] can make a proper cup of tea." ~ Pema Chodron
Since everything is but an apparition,
perfect in being what it is,
having nothing to do with good or bad,
acceptance or rejection,
one may well burst out in laughter.
~ Longchenpa
Spirituality, meditation, enlightenment isn't serious stuff. If you're overly serious about it, you have much work left to do. For many years, this beautifully-calligraphed quote hung in Marpa House. Not sure where it hangs, now. ~ ed.
Best Quote from the Dalai Lama Ever.
My Favorite Buddhist Quote By Someone I'll Bet You Never Realized Was Buddhist.
Bonus! Once you've made your cup of tea and burst out in laughter, wake your mind up to the present moment:
This is all Buddhists want:
hot on elephant
The story behind the Elephant-headed God. 380 shares Visual Yoga Blog: Refresh your Eyes the Yoga Way. 167 shares Boomers vs. Millennials: Will We stay the Course or Change It? 385 shares Instead of Sabotaging another Relationship, here's how to Run into your Fear. 995 shares Join: Elephant's Winter 2017 Academy. 9 shares The Benching Mind-F*ck: Worse than Ghosting. 1,751 share The Fourth Kind of Love. 2,165 shares October Energy Forecast: Prepare for Limitless, Unconditional Love. 5,012 shares What Teens need from their Parents. (Hint: It's not Grounding & Punishment.) 1,681 share How Open-Hearted Men can Show Up for Strong, Independent Women. 2,662 shares


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Visit our other Wisconsin Historical Society websites!
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Date: 1915 ca.
Description: Hotel Stoddard, "built by a company of wealthy citizens in response to a popular demand for a first-class hotel. It cost $240,000 and is one of the finest...
Date: date unknown
Description: The railroad bridge over the Rock River.
Description: View from across the street with pedestrians walking on the sidewalk in front.
Date: 1905 ca.
Description: Albion College campus.
Description: Photographic postcard of two images: the one on the left of three men holding the fish they caught, with a dog sitting at their feet. The one on the right...
Date: 1892
Description: Chromolithograph card of an Italian woman in "native" Florentine costume, posing next to a Singer sewing machine. Part of a "Costumes of All Nations," set...
Description: Elevated view of industrial sector from the cotton mill tower. Two churches are in the background.
Description: The hole for the new silo on the William Fiebelkorn farm. A pole marks the center. There is a barn on the left with a stone foundation. In the background a...
Date: 1940 ca.
Description: View of the Grotto of Our Lady of Lourdes at the Saint Clara Academy.
Date: 1912-06-12
Description: View of Aloha Beach on Lake Winnebago near Appleton. View of the shaded boardwalk along the shoreline and sailboats on the lake.
Description: Postcard entitled The Finished Product, depicting two bottles of Pabst beer, one partially poured into a glass, and a plate of oysters with a lemon served...
Description: Looking down Washington Street.
Description: Colorized postcard of the arches and rocks comprising the Devil's Kitchen, a geological formation on Presque Isle or Stockton Island, part of the Apostle I...
Date: 1940
Description: Campaign card promoting Carl Zeidler for the office of Mayor of Milwaukee.
Date: 1920 ca.
Description: View looking west from the Wisconsin State Capitol dome.
Date: 1904 after
Description: West from Ninth Street. Elevated view taken from on top of a building. Churches and trees line the road, which has a strip of land with monuments in the...
Date: 1910 ca.
Description: Bird's-eye view of Madison and the four lakes region.
Description: Winnebago Indian Mission School of the Evangelical and Reformed Church. This boarding school for Indian children was established in 1917 near Black River F...
Description: Large, red building with steep roof. First level has awnings above windows. Behind the building is a grassy area, and trees are on the right and left of th...
Description: Photographic postcard of view from road of a building. Signs indicate that the Post Office and Fire Marshall can be found within. Two automobiles are parke...
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