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Tom Toles by Tom Toles
- November 08, 2013
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Make it so 123 million people won't lose their current healthcare and doctors (if they like them). Make it so premiums and deductibles don't double or triple. Then we might have something.
Ya! We should also have free houses, cars and unicorns too.
Don't understand the "like other countries have" part, eh?
About 12 million Americans are presently on individually-purchased health insurance, and for many of them coverage will be cheaper than before, and for some of them (those who were not on year-by-year policies) their insurance company can continue to offer them their old policies, if the company wants to. (Not the law's fault if the company doesn't want to.)
The 7 to 10 million with substandard annual policies will have to buy new policies. That's true. In some cases, their old doctor will not be on the network of the new company. That's true. Is that their new insurance company's fault, the doctor's fault, or the law's fault? It happened to me before when my employer changed insurance carrier (without my consent) and my doctor was not with my new carrier. Nothing new there.
If you now have to buy insurance than meets the new standard, and you are young, male, and healthy, you will have to pay more than before. If you old, sick, and female you will be paying less than before. ( This is bad because … why? … because young healthy males should not have to pay the same rates as sick, old women, as they have up till now?
The group that is worst effected are those who have done without health insurance, or with only catastrophic coverage, by choice. Who were willing to bet their lives on being able to "tough it out" when they got sick, and risk becoming uninsurable if they came down with some chronic condition. Their gambling is now more expensive for them.
However, the 123 million Americans NOT presently on government health insurance are not ALL directly effected. In fact, it is now harder for employers to stop sponsoring their employees' coverage. And about 110 million of that 123 million currently have employer-sponsored health insurance.
So, go ahead and criticize the ACA. There are things about it to criticize. But PLEASE, criticize what is actually wrong with it, with accurate (rather than made-up) numbers.
It would be possible to build a car that would cost half as much, or a third as much, as any car now on the market. It would fail every safety and inspection standard, of course. But if that's what you were used to driving, and you'd been lucky so far, and suddenly cars were required to be built to the present standards, the situation would be much the same.
The numbers I gave refer to adults only, not their dependent children. Just like to be clear.
We need socialism here. Then everything would be free for everyone.
Won't that be wonderful?
Then you should have supported Obama when he expressed his preference for single-payer. This is a Republican plan, remember? It locks people into the existing insurance companies who are the source of the overpriced healthcare in this country.
You are comparing apples with oranges. The reason auto liability insurance is cheaper is that many accidents do not cause injury and accident-avoidance is now easier (due to onerous job-killing safety regulations). On the health care side, however, the US has the highest rate of bankruptcies for health-related reasons in the world. Something to be proud of.
As a doctor, I fully agree that costs should come down. Perhaps the quarter million in build-out costs and minimum equipment I invested to open my practice should have cost me less, but I had little control over that. Regardless, I can tell you this: I get less money per exam from insurance today than I did when I got out of school in 1979 and people paid me directly. So, part of the problem has been solved: doctors and hospitals have had our pay cut constantly since then, especially indexed to the value of the dollar. If you want to find out why health care costs so much, I'll tell you that part of it is equipment that is now mandated for standard of care, and the other part is the amount of dollars insurance companies feel the need to keep for themselves.
Although I can appreciate your positions, they are not based on the real world of health care. I am not finding fault with you personally; there are many entities who have a vested interest in misinforming the public, so that their unhappiness will be directed anywhere but the true source. It's hard to know what to do when the "facts" that are presented cannot be trusted.
"We need socialism here. Then everything would be free for everyone."
I recommend you learn about socialism before making that statement. Although your statement is funny in a Fox News sort of way, no socialist society has ever offered anything for free. Every economic system requires money to come in for money to go out, regardless of construction, just like your household. Socialism isn't perfect, but neither is capitalism. But I'm pretty sure that your definition of socialism, like that of many posters on this site, is erroneous.
Once in east Texas I was trying to wire some flowers to my spouse, then in Canada. The young lady behind the counter had no idea where Canada was; seriously.
There is no point in talking about "like other countries have" to most Americans, as the majority of Americans have sadly not been outside their own counties. Besides that, they have drunk the kool-aid that other countries, if there are any and wherever they may be, are "soshalist". Ironically, such people are constantly screaming "Freedom", while they have no idea how their health care system robs them of the freedom they pretend to defend.
Until the "Debt Frees" and "ConservaGovs" of America can shed their ignorance, it will continue to be impossible to have a reasonable and universal health care system in the United States, or even a reasonable discussion.
You state:
"Until the "Debt Frees" and "ConservaGovs" of America can shed their ignorance, it will continue to be impossible to have a reasonable and universal health care system in the United States, or even a reasonable discussion."
From reading the posts of such people (and there are many more here) do you actually think that is EVER going to happen???
The reference in the cartoon is that of George Wallace 'blocking the schoolhouse door' at the University of Alabama in June 1963. Wallace was a lifelong Democrat and avowed racist. His late-in-life apology for his actions as governor during the segregation era was wholly insincere but managed to fool some people. It is truly sad how so many historians whitewash his life and rarely ever mention that he was a Democrat until the day he died.
No no no, you misunderstand. They're only against the government providing anything that doesn't directly benefit them or theirs, because only THEY are deserving. "Keep the government's hands off my Medicare", and all that.
Toles race baiting is a bad thing.
I would love to read your logic on how a cartoon based on health insurance is race baiting.
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text:
BROOKLYN - Brooklyn Bridge Park will soon be getting a makeover, but some neighbors say it is not a good plan and are asking the mayor to change his mind.
The city plans on building two new apartment buildings to generate money to maintain the waterfront area. The city and state approved the plan nearly a decade ago.
Residents in the area say they don't want this type of construction because the buildings would cast a shadow, taking away the aesthetics of the park and blocking the waterfront view. They also say the development would create a lot of traffic and congestion, which could put people's safety at risk.
A spokesperson from the mayor's office says the mayor has been a long-standing supporter of the park, and he sees the model as critical to the park's long-term financial stability.
The deadline for developers to make a bid on the buildings is in late July. Residents say they are not giving up and will continue to fight to save the park.

subset: commoncrawl


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Stay away! From used jeep store Hwy 20!!!
Unless you want to deal with the crazy they keep in the back.... Loved the place when I bought my jeep but now that they have the money they are a totally diff place! Anyone else had a rough time with them?
I wish I had read more on them. It all started a week after I got the Jeep....I had a leak from the radiator they told me I must have been flowing a car that was leaking cause mine was not. Ok then why is they antifreeze all over the motor but not on the Jeep. Husband fixed it they was a leak. I have been trying to get my tag but they keep giving me the run around as to way they won't release the title. First they said I did not have proof of insurance....Ok have that...then waiting on paper work. Today I was told they are not going to release my title till they get their "damn" check!
Wow, sounds like they are becoming a shady car lot now. Unfortunate that you're experiencing these issues, hope you get to the bottom of it soon!
I bought my TJ there in 2008. It was a great buying experience. I paid them 80% of the sale price with the understanding that I would pay the rest when I sold my other vehicle. There was no pressure to get them the rest of the money. They signed the title over. Maybe, with the popularity increasing with Jeeps, they're getting greedy. I hope not.
That was from the finance company so why she yelled at me I have no idea :-)
Buying experience was great! We financed they hooked us up with a great rate from the finance company they use. But they should Deff but they should disclose that they keep a crazy locked up in the back and that's who you will be dealing with once you buy. Lol
Yikes, sorry ur dealin with that mess. But aint she fun and totally worth it. ;)
Oh yes. And I probably would go back. Lol. I already know about the crazy they keep caged in the back.
i've found some decent used parts there before pretty cheap. They are usually pretty friendly to me. maybe it was an off day.Sucks that they got an attitude though.
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Release Date
Release Title
28 Mar 16
Dark Days - (7:10) 124 BPM
Synchronized - (6:21) 124 BPM
Betray The Opponent - (6:25) 120 BPM
Eclipse - (6:48) 124 BPM
Played by: OCH
Review: It's not that long since Boris Bunnik dropped his most recent Conforce full-length, but already the man of many pseudonyms is donning the alias again. Predictably, North To South Part 1 is full of the kind of shimmering, melodious, futurist treats that sit somewhere between classic Detroit techno and mid '90s British intelligent techno. All four tracks are superb, making picking highlights somewhat tricky. Today, we're particularly enjoying the icy pulse of the B12-ish "Syncronized" and the classic Transmat flex of "Eclipse", but tomorrow that could change. Opener "Dark Days" - all rich, intergalactic chords, snappy snares and stargazing intent - is arguably the best of the lot.
09 Dec 13
Excess Mortality - (6:19) 115 BPM
Spatiotemporal - (7:28) 157 BPM
Temporary Reversals - (7:09) 123 BPM
Semantic Field - (5:03) 140 BPM
Scientific Trajectory - (6:12) 162 BPM
Underwater Settlers - (6:33) 155 BPM
Formerly Programmed Decisions - (6:08) 152 BPM
Abundance Of Selves - (6:24) 116 BPM
Optimum Pace - (6:30)
Anti-adaptive State - (6:00)
Played by: Shadow Dancer, Marcel Dettmann, Tekseven (Robin Smyth), Jon Gurd
Review: Kinetic Image sees the tireless Dutch producer known as Boris Bunnik offer up third album under the Conforce moniker. If you are starting to feel that Bunnik has dealt a deal with the devil that trades sleep for productivity you are not alone - Kinetic Image is his second album this year following the issue of a Versalife longplayer on Clone West Coast and let's not go into all the various EPs and 12"s Bunnik has put one of his various names to this year. Issued by Delsin, Kinetic Image sees Bunnik draw on the experience of his recent non-dancefloor focused output to deliver an album that moves away from regimented 4/4 beats and into slower, more surreptitious tempos. The subaqueous electro vibe we've come to associate with Bunnik still remains and the Dutchman's loyal fans will love this set.
09 Dec 09
Minimal/Tech House
Truth - (6:45) 120 BPM
Predictable Coincidence - (7:21) 118 BPM
Cruising - (6:36) 123 BPM
Joyless Mind - (7:00) 120 BPM
Played by: Vince Watson, Joel Alter, Vince Watson
08 Sep 14
Depth Over Distance - (7:29) 124 BPM
Plateau - (6:31) 126 BPM
Rendez-Vous - (7:32) 119 BPM
Closer - (8:08) 118 BPM
Played by: Juno Recommends Techno, Resident Advisor, Troy Pierce
Review: Given how prolific he's been across multiple aliases these past few years, you can forgive Boris Bunnik for the lack of output that's characterised his year so far, with just the sole Versalife 12" for Clone's Store Only Series issued. A return to his main creative concern Conforce is most welcome then and the Depth Over Distance EP suggests the Dutchman's production powers are fully recharged. Opening with the title track, Conforce's talent for captivating spacious lines and crisp refreshing drum programming is on full display whilst "Plateau" veers off into abstract territory. Powered by supple arpeggios and powerful kicks, "Rendez-vous" feels like Conforce at his most floor focused whilst "Closer" ends proceedings on a haunting, ambient note.
05 Dec 11
Revolt DX - (7:14) 119 BPM
Escapism - (4:17) 125 BPM
Elude - (4:29)
Lonely Run - (5:20) 110 BPM
Shadows Of The Invisible - (8:51) 124 BPM
Timelapse - (3:45) 123 BPM
Within - (7:02) 123 BPM
Aquinas Control - (7:10) 124 BPM
Ominous - (6:25) 124 BPM
Diversion - (5:22) 118 BPM
Played by: Cottam, Systemic, Sloppy Seconds, Mas Teeveh, Joseph Terruel, Van Bonn, Distortion, Myles Serge
Review: At a time when classic-sounding techno is at a premium, Boris Bunnik aka Conforce is one of its main proponents, right? Wrong. It would be too easy and simplistic to dismiss the Dutch producer as merely revisiting the sounds that were current during the mid-90s, and Escapism, like his other releases for Clone, Rush Hour and Delsin, does much to dispel any pre-conceived notions about him. One of the common themes and sources of inspiration on the album is Bunnik's love of swirling, ambient textures. Spacey melodies unfold all the way through "Aquinas Control" as a dubby, rippling bass takes hold, while on the title track, glassy percussion and shuffling 808s provide the electro backing to Bunnik's atmospheric chords. There are times too when it sounds like Conforce has completely immersed himself in electronic music's reflective, esoteric side and the evoactive, shimmering synths of "Timelapse" could have been part of a long lost sci-fi soundtrack. On other occasions, Escapism sounds earthy, grainy and twitchy, especially on the detuned textures of "Diversion" or "Revolt DX", which sees Bunnik drop a gained, jarring rhythm track. However, the real highlights occur when Bunnik occupies a place where all of these sounds meet, like the ghostly pads and forceful bass of "Elude" or the hushed tones and uplifting synths of "Ominous". It's also where you'll find this year's most eloquent articulation of techno escapism.
18 Feb 13
Nomad - (7:38)
Receiver - (7:54) 126 BPM
Last Anthem - (9:15) 129 BPM
Embrace - (8:35) 120 BPM
Played by: Paul Mac, Juno Recommends Techno, Enclave, Tom Dicicco
Review: Scientists recently discovered that Boris Bunnik can function on just one hours sleep a day, which goes a great deal to explaining how the Dutch producer is so damn prolific! He returns to the Delsin label under his widely regarded Conforce moniker for the four track Time Dilation EP, with the label describing it as "designed for deeper dancefloors". One listen and you'll agree as Bunnik seemingly plunges further down the dub techno wormhole for a more cerebral experience than his lauded Clone Basement 12" last year. There is room for a banger however, with "Last Anthem" combining ethereal ambience alongside prickly staccato stabs and an insistent kick drum that could almost be described as ghetto house-inspired.
13 Mar 12
Grain - (6:45) 129 BPM
Be There At Night - (6:24) 126 BPM
24 (Gesloten Cirkel remix) - (6:02) 119 BPM
24 (original mix) - (6:31) 126 BPM
Played by: Paul Mac, Joachim Spieth (Affin), Alkalino, Juno Recommends Techno, Joseph Terruel, Resident Advisor, Javi Bora, Marko Nastic
Review: After the conceptual nature of Escapism, the recent Delsin album from the perma-brilliant Conforce, Mr Bunnik returns to the Clone Basement Series with the totally essential 24 EP. Recently the focus of a must read feature on the new breed of Dutch techno via our sister site Juno Plus, this release finds Conforce in deadly form approaching the art of the genre from different, equally sharp angles with precision results. Opening with "Grain" Bunnik pounds spectrally charged vocal groans with unrelenting layers of percussive intent and the increasing gurgle of analogue malfunction, whilst "Be There At Night" is looser in feeling, as jacking rhythms threaten to slip out of time amidst the intermittent granite thick rave stabs. On the flip recent Moustache Techno signee Gesloten Cirkel remixes the title track "24" shifting the dubby wormhole shuffle down a gear or two and introducing some delightful string plucked sensuousness.
17 Nov 14
Sonar Conversation - (8:15) 125 BPM
First Impression - (6:13) 123 BPM
Subtraction - (7:04) 120 BPM
Intimidation - (7:17) 123 BPM
Machine Conspiracy - (4:44) 125 BPM
Rare Education - (7:54) 123 BPM
Love Hate - (8:07) 124 BPM
The Land Of The Highway - (5:53) 120 BPM
Stop Hold - (8:32) 160 BPM
Played by: Paul Mac, Shadow Dancer, John Dalagelis, Conforce, Musumeci, Kessell
Review: Originally released back in 2010, Boris Bunnik's debut album as Conforce has stood the test of time. It helps that the type of music and influences that the Dutch producer draws on are timeless, it also has a lot has to do with his flair for production and subtle touch. This combination of skills is audible throughout on the album, but is especially noticeable on the deep electro of "First Impression", where rave whistles appear amid squelchy bass tones or on the acid bleed and warm chords of "Subtraction". Bunnik may be mining well-known tropes and paths, but it is to his credit that he manages to squeeze new shapes and sounds from them, as the ghostly techno groove of "Rare Education" demonstrates.
23 Sep 11
Luminous - (6:04) 112 BPM
Desolate Ground - (4:51) 120 BPM
Lonely Run - (5:20) 110 BPM
Vacuum - (6:21) 124 BPM
Played by: Paul Mac, Semtek, Juno Recommends Techno, Enclave, Joseph Terruel, Van Bonn, Giovanni Pasquariello
06 Apr 11
Spoiled - (6:18) 125 BPM
Vulcan - (7:14) 120 BPM
Spoiled (XDB Reshape 2) - (6:56) 120 BPM
Spoiled (XDB Reshape 1) - (6:33) 125 BPM
Played by: Paul Mac, Shadow Dancer, Deepchild, Juno Recommends Techno, Axer Rouf, Mattias Fridell, Efdemin, Maceo Plex
Review: Clone and Conforce seem like such a perfect fit and the latter's debut on the former's Basement Series does not disappoint, delivering some of his darkest sweatbox rattlers to date! "Spoiled" drips with jerky acid menace, with heavy strains of synthesized horror filling the spaces between dizzying bouts of percussive rain. It's this staccato approach to rhythmic execution that proves utterly thrilling. "Vulcan" twists itself inside out, beginning in stripped down fashion with rasping hi-hats providing the rhythmic thrust which is gradually strangled by the death grip of the raw emotive machine funk narcosis that steadily rises to the fore. Finally XDB comes through with two variants on "Spoiled" with the relentless percussive shower of the first remix a nice contrast with the more guttural acid poise of the second.
25 May 15
Phase 7 - (5:58) 113 BPM
Informatica - (7:24) 120 BPM
Coast To Coast - (7:24) 120 BPM
Zero Five Eight - (6:27) 120 BPM
Review: Given the sheer pace at which Boris Bunnik puts out material across his cavalcade of aliases, there is no small irony in the relaxed manner in which Transcendent, the label he runs with Julius de Wal, operates. Launched back in late 2012 with some material from Bunnik, naturally, under his Hexagon alias, there have been only two subsequent releases on Transcendent. A new year brings the count to five, with the Travelogue EP brandishing four fresh Conforce off cuts from Bunnik's Rotterdam studio. From the off, Transcendent has focussed on deeper, more abstract sonic terrain and it's no different here with cuts such as "Phase 7" little more than analogue pulses transmitted into the ether and met with all manner of delay and phasing. Nobody does it better than Bunnik!
28 Jul 16
22 Nov 07
Our Concern (Evolving mix) - (7:20) 127 BPM
Our Concern (original mix) - (8:05) 126 BPM
Our Concern (dub) - (6:33) 127 BPM
Played by: John Dalagelis
22 Feb 16
29 Feb 16
Minimal/Tech House
29 Jun 15
Glideslope - (5:58) 78 BPM
Realtime - (5:19) 123 BPM
Blue Note - (6:57) 120 BPM
Artefact From A Higher Dimension - (6:48) 62 BPM
Time Space Continuum - (5:36) 115 BPM
Erased Connections With The Past - (6:47) 122 BPM
Motion Sequence - (5:52) 88 BPM
Sequence Of Subcult - (6:37) 112 BPM
Monomorphic - (5:55) 110 BPM
Ocean Lab - (6:10) 129 BPM
Hydrosphere - (7:01) 120 BPM
Predictive Flow - (6:08) 129 BPM
Review: Undoubtedly one of the most prolific Dutch artists currently working in electronic music, Boris Bunnik has put out a staggering amount of records in the eight years since he first surfaced. Presentism is his fourth full length under the familiar Conforce name and flips the script a little. Recorded following his recent move to Rotterdam, it sees the veteran Dutch artist blending glacial electronics, crystal clear melodies and spacey chords with elements of ambient, classic IDM and Detroit techno. As a result, it's a far more picturesque and set than his three previous albums, with an emphasis on mood and melody previously buried beneath industrial textures and razor-sharp rhythms. It could well be his best set to date, and that's saying something.
30 Aug 10
Shade (original mix) - (3:50) 160 BPM
Grace (original mix) - (8:32) 120 BPM
Insecure (original mix) - (8:37) 120 BPM
Played by: Art Of Tones, Shadow Dancer, Subotika Motech Records, Borgie, Glenn keohane(NG415/k)
01 Apr 08
Minimal/Tech House
Played by: Shadow Dancer
01 Sep 08
Minimal/Tech House
16 Sep 13
Mike Dehnert - "Passenger" - (6:06) 126 BPM
Conforce - "Wave Trace" - (7:57) 161 BPM
CiM - "Way Station" - (3:26) 133 BPM
Played by: Paul Mac, Shadow Dancer, Juno Recommends Techno, Resident Advisor
Review: Delsin have chosen a fully established crop of producers for the second 100DSR release, which sees Fachwerk boss Mike Dehnert, alongside Dutch electro revivalist Conforce and '90s British electronica act CiM. Mike Dehnert's return to Delsin comes in the shape of a big room take on his trademark sound with "Passenger", while Delsin regular Conforce delivers "Wave Trace", some dubbier, electro tinged techno similar to his Escapism album. Whereas 100DSR/VAR1 looked to newer names in Gerry Read and Unbroken Dub, Delsin have delved deep into their back catalogue by releasing a new track from Simon Walley's CiM project. It's the first showing of music by CiM since his Noki Bay EP on Ann Aimee released a decade ago, and almost 15 years since he debuted on Delsin with the six-track EP Service Pack.
29 Mar 10
Mohlao - "Luminescent" - (9:51) 115 BPM
Conforce - "Another Walk Around" - (8:08) 120 BPM
Conforce - "Digital Affair" - (5:11) 120 BPM
Played by: Estroe, Shadow Dancer, Jamie Behan, Joseph Terruel
06 Dec 11
Skudge - "Pollution" - (6:48) 128 BPM
Conforce - "When It Appeared" - (6:40) 124 BPM
Cosmin TRG - "Plaisir Interdit" - (5:23) 125 BPM
Sascha Rydell - "Rainy Days" - (7:02) 125 BPM
Played by: Joachim Spieth (Affin), Juno Recommends Techno, Enclave, Tura, Kereni
Review: Here's us waxing lyrical about the third Interia sampler being the best of the lot, and then the fourth one lands on our laps and now we're all confused. Skudge, Conforce, Cosmin TRG and Sascha Rydell all contribute tracks here, with Swedish duo Skudge opening with the sparse rattle of "Pollution", which is ably supported by the twitching minimalism of "When It Appeared" by Conforce. Up next, Cosmin TRG adds to his growing techno oeuvre with "Plaisir Interdit", which, much like his recent material on 50 Weapons, combines restless, swinging hats with bowel-shaking low frequencies. Finally, Sascha Rydell (the only artist on this 12" who hasn't released an album this year) drops "Rainy Days", and rather then being overawed by the esteemed company, he revels in it, turning in a majestic slice of atmospheric, contemplative techno.


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Soil & Nutrition Conference
December 4-6, 2016
Kripalu Center in Stockbridge, MA
Register today!
Cost: $225 general admission
$200 for BFA members**
and supporting BFA
Unsure of your membership status?
The 6th Annual Soil & Nutrition Conference explores how the intersection of farm and human ecosystems holds the key to environmental sustainability, quality food and overall well-being.
Bringing together the collective knowledge of the food movement from the perspectives of successful farmers, cutting-edge researchers, enlightening health practitioners, and pioneers of food quality, this conference is a nexus of information and networking for all interested in delving deeper into the connections and importance of soil and nutrition.
Integrating these diverse viewpoints, this year's program engages growers and gardeners with principles, practices and innovations for ecologically and financially sound farming, and presents the health-conscious consumer and medical professional valuable skills to effectively advocate and select for quality in their local region and food supply.
Conference Topics
- Successful applications of biological (ecological) management, from garden to wholesale scale
- Improving public health through agriculture, education and local capacity building
- Effectively using nutrition to mitigate disease across the landscape
- Regenerating ecological systems to provide environmental stability and weather climate change
- Flavor as a focal point in the food quality conversation
- Implementation and development of techniques for grower success including seed establishment, emergence and in season monitoring solutions
- Growing and marketing your farm business with an eye to quality
- Improving human health through conscientious food production and cultivation of soil health
Conference Speakers
The BFA is proud to announce that grass-farmer, author and lecturer Joel Salatin will be the keynote speaker at its 6th Annual Conference. His family's Polyface Farm in Virginia's Shenandoah Valley is a multi-generational, pasture-based and "beyond organic" enterprise. At Polyface, Salatin follows the guiding principles of transparency, grass-based agriculture, individuality, valuing community, following nature's template, and embracing earthworms. Featured in Michael Pollan's book, "The Omnivore's Dilemma," Salatin is widely-known throughout the alternative and sustainable farming world for promoting ecologically friendly and economically viable farming strategies and methods. He is the author of numerous works, including: "Everything I Want to Do Is Illegal: War stories from the local food front", "Folks, This Ain't Normal: A farmer's advice for happier hens, healthier people, and a better world", and "The Sheer Ecstasy of Being a Lunatic Farmer". Not to be missed!
With over 30 additional speakers currently scheduled to present at this year's conference, all widely considered experts in their respective fields, choosing between which sessions to attend will be a wonderful problem to have!
View our featured speakers.
Conference Format
Distinctively themed, each of eight sessions will offer a combination of practical presentations and lectures given by different speakers expert in their field. Scheduled across the beautiful Kripalu venue, participants are encouraged to attend presentations of their interest within and across sessions.
Sessions: Day 1
Principles and Practices, Biological Farming and the Thriving Farm Ecosystem, Part I
The Seed as Foundation, from the Inside Out
Food Flavor as a Nexus for Food Quality Improvement
Healthy Soil, Healthy Food, Healthy You
Sessions: Day 2
Principles and Practices, Biological Farming and the Thriving Farm Ecosystem, Part II
Monitoring Ecosystem Health for Food Quality, from Observation to Measurement
Sound Body, Sound Mind: Perspectives of Food Production and Diet through Mindful Living
Innovative Approaches to Soil Quality Improvement
Conference Registration & Details
Join us for the one-of-a-kind gathering of farmers, soil experts, agronomists, and nutritionists.
Mon & Tues, Dec 5 & 6, 2016
Kripalu Center
|BFA Member*
|General Admission
|Full Conference
|Day Rate
*Become a member — support BFA and receive benefits, including discounts on conferences and workshops!
Not sure about your membership status?
Final Registration Deadline: December 1, 2016
Cancellation Policy: 50% of registration fee refunded until November 30
No refunds starting December 1, 2016
Scholarship Opportunities
Kripalu Center has a scholarship fund that they offer those in need of assistance. More information and an application can be found on their website: https://kripalu.org/about/kripalu/scholarships/scholarship-applications. Scholarships typically cover 20 to 50 percent of tuition and housing and are considered on a case-by-case basis. Scholarships are awarded toward dormitory-style housing. Note: We recommend sending your scholarship application as soon as possible, as Kripalu is not able to accept applications received less than two months from the program's start date due to lack of time for the scholarship review process to be completed. As such, the application deadline for the conference is October 4, 2016.
If you have any questions about the Soil & Nutrition Conference, please don't hesitate to contact Nicole, the Conference Coordinator: firstname.lastname@example.com.


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Proteasome inhibition is a promising strategy for treating cancers. Herein, we report the discovery of novel drug-like inhibitors of mammalian proteasome 20S using a multistep structure-based virtual ligand screening strategy. Sulfone- or piperazine-containing hits essentially belong to the under-represented class of noncovalent and nonpeptidic proteasome inhibitors. Several of our compounds act in the micromolar range […]Read More
Novel organic proteasome inhibitors identified by virtual and in vitro screening
0 comments. Click here to read/write comments.Topics:


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The decline in housing prices over the past few years has had an impact on a number of different sectors. The weakness in construction and retail stocks are talked about on a daily basis. There is however another sector that has experienced a major decline since home values have plummeted, and that is the home improvement area. Home improvement stocks have suffered as consumers have reduced their spending and trips to these stores. As a result, Lowe's (NYSE:LOW) and Home Depot (NYSE:HD) have seen little growth in their stock prices; they appear stuck in a trading range.
Analysts have been writing off this sector as a number of major investment houses have cut their outlook for the industry. Goldman Sachs and JP Morgan Chase have both cut their ratings on the home improvement sector recently. These brokerages may be missing out on one aspect that the two largest companies in the space are offering: Both Home Depot and Lowe's are moving into the range of good income plays.
Home Depot
The largest homebuilder in the world, Home Depot is quietly becoming a decent dividend play as well with a 2.9% yield and its $1.00 dividend. Home Depot has been able to do a much better job than Lowe's at handling the economic downturn. The company has been able to increase profitability despite facing no top line growth in revenue. Home Depot recently upped its earnings estimates for the full year to $2.24 pr share. This is a clear sign of the impressive job that management is doing of cost management at its store.
Management has also done an effective job at improving margins. Gross margins were up 80 basis points improving to 8.5%. Sales were up 2.5% and same store sales were down 0.6%.. Those are good numbers in an incredibly challenging retail environment.
Unlike Home Depot, Lowe's blamed its poor results on every single area of the economy. Lowe's saw a 1.6% decline in total sales and a drop in same store sales of 3.3%. Lowe's blamed its meek sales number on lower home prices, high unemployment, and rising oil prices. While these factors did contribute to its operating performance, the company will have to learn how to deal with these issues going forward. The problem is that Lowe's is forecasting strong results in sales next quarter as analysts are looking for 4% overall sales growth and 2% same store sale growth.
Lowe's (LOW) did have some good news, with the company recently increasing its dividend 21% to 56 cents per share. The stock is currently yielding 2.4% and looking more and more like a decent dividend play.
Based on the recent earnings reports I have much more confidence in buying Home Depot's stock than Lowe's right now. Home Depot appears to have found the right formula for producing positive results in a weak housing market. Lowe's will likely miss its projected targets next quarter thus giving investors a better opportunity to buy shares at a lower price point.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.


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Let's face it, relationships are hard; especially if you're a teen. I frequently get questions from teens seeking advice about relationships. So, I thought that I would share one of the questions and my response (see below). Many teens struggle with these tough decisions and the answer isn't so clear cut; especially from an emotional angle. When teens face these dilemmas they are having to separate out what they know they should do from what they need to do and oftentimes that's no easy feat!
Dear Ms. Lohmann,
" I like my best friend's ex, what should I do?"
Dear J-----,
Sounds like a difficult situation you're in. When you have a "best friend" it means this person is special above all others. This is a person that you have a lot in common with, shared your secrets with, and probably one of the first people you want to hang out with. Not to mention, in order to get best friend status, you've probably known this person for a long time. Sure, you may have had ups and downs in your friendship, but ultimately you've learned this is a person that "gets you" and more importantly, is someone you can trust.
I know it's hard when you are infatuated with someone to not let your emotions drive your actions, but in this situation it would be wise to put the brakes on your feelings. Take a step back and ask these questions before proceeding to date your best friend's ex.:
Friendship is built on trust. Trust is an interesting thing. For one, it's one of the strongest intangibles, along with love, that exists. That being said, it is also easily broken. Unfortunately, broken trust can take a long time to mend.
In life, we often take for granted the people that mean the most to us. There is a saying "If you can count your true friends on one hand consider yourself a lucky person." It basically means that true friends are hard to come by. Treasure them when you have them.
If you have any additional advice for this lovestruck teen feel free to add it into the comment section.


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|Quoting CHRISBA777ER (Reply 7):
Aeromexico - best livery out there IMHO.
|Quoting Ghost77 (Reply 15):
|Quoting EddieDude (Reply 17):
How many seats will the 738W's have? 148 (12 J's and the rest Y's)?
|Quoting EddieDude (Reply 17):
Are the 83's going to have new interiors as well?
|Quoting EddieDude (Reply 17):
So, what should we expect as MD-87 replacement in 2009?
|Quoting PanAm_DC10 (Reply 18):
If approved by CINTRA will the 3rd 772ER be via ILFC?
Thanks for a great update Ghost77
|Quoting Ghost77 (Reply 20):
24J and 132Y for 156
|Quoting Ghost77 (Reply 20):
don't see the B738s as 757 replacement or flying MEX-LIM or JFK!!
|Quoting EddieDude (Reply 21):
am surprised that AM will have so many J seats in the 738's.
|Quoting EddieDude (Reply 21):
By the way, will the 738's have blended winglets too?
|Quoting Mexicana757 (Reply 23):
I think AM is a good candidate for the 737-900ER.
|Quoting Ghost77 (Reply 15):
there's an unknown status of the B767 fleet
|Quoting Juventus (Reply 16):
It will be different seeing Aeromexico without the MDs
|Quoting AM001 (Reply 26):
"El B777-200ER tiene pantallas individuales de 6 pulgadas en la Clase Turista para ver películas y videojuegos"
|Quoting AM001 (Reply 26):
|Quoting EddieDude (Reply 21):
If AM keeps its current 767ER fleet once the 772ER's start to arrive, perhaps AM could send the 763ER to JFK!


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|10 stories
|20 Sep 2016
|Half Year Results 2016/17
|18 Aug 2016
|Q2 trading update
|16 Aug 2016
|Screwfix LIVE is back for 2016 with the chance to meet football legend Chris Kamara
|20 Jul 2016
|Bricklayer from Tillicoultry is crowned the best in the UK
|08 Jul 2016
|Rt. Hon. Theresa May MP visits new Maidenhead Screwfix store
|07 Jul 2016
|Screwfix partners with Scottish Minister for Employability and Training to help tradespeople hire apprentices
|31 May 2016
|B&Q's Rachel Bradley named Guardian Sustainable Business "Unsung Hero of the Year 2016"
|24 May 2016
|Q1 trading update
|23 Mar 2016
|Final results 2015/16
|21 Mar 2016
|Kingfisher welcomes outcome of European Commission review of the EU Timber Regulation


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A leak of some 11 mln documents from a law firm in the Central American nation has kicked off a global offshore tax hunt. Iceland's prime minister is already under fire and other world leaders could be damaged. The impact may be limited, however, in the least democratic regimes.
UK flunks Uncle Sam's class-action lawsuit lessons
Suing en masse is now allowed in Britain so long as losers pay winners' fees. That and other rules may limit the perceived excesses of U.S.-style group suits, but could also make worthy cases too costly to file. If outsiders bankroll them, that risks conflicts and other problems.
Dewey leaders may skate but law firms on thin ice
Jurors couldn't decide whether the defunct legal shop's bosses cheated lenders with dodgy accounting. Prosecutors blew it, but the case highlights the bloat, greed and intransigence at many big firms. Only the nimble and tech-savvy will escape a harsh verdict from clients.
French reform bill more talk than walk
Economy Minister Emmanuel Macron wants to show Europe that France is finally getting serious about reform. But his limited plan to deregulate some services faces fierce opposition from within the ruling socialist camp. What Macron is demonstrating is how tough his job is.
Private equity discord is best collusion defense
Blackstone, KKR and TPG are paying $325 mln to resolve allegations that they conspired to limit buyout prices. Three other firms previously settled for less. Carlyle is holding out for now. Legally, there's safety in numbers. Yet they can't even agree on how to resolve the case.
Anadarko's $5.1 bln settlement adds up in market
The U.S. oil driller's pollution payment is at the low end of a court-defined range, which had a midpoint of around $10 bln. The 15 pct gain in Anadarko's market cap equals that gap plus a small bonus for relief. And it brings the stock's 12-month rise back in line with the S&P.
Citi risk measurement scheme warrants closer look
CEO Vikram Pandit is touting a plan for financial firms to disclose regularly how risk scenarios play out for a standard, hypothetical portfolio, as well as their own assets. Such a comparative tool might have raised red flags about MF Global -one reason it deserves attention.
U.S. patent law mission creep needs to be reversed
The system is supposed to reward inventors but not stifle innovation. Fuzzy concepts like the interpretation of data aren't protected. Yet one firm says it owns a way to read medical tests. The U.S. Supreme Court has a chance to serve the law's original intent by disagreeing.
"No harm, no foul" legal concept worth preserving
The U.S. Supreme Court is due to hear arguments on Monday over a consumer's right to sue despite suffering no obvious injury. That only encourages dubious litigation against corporate America and upends constitutional logic. The high court now has a chance to squelch such cases.
P&G may need to pop a plan B for Pringles
Diamond Foods, agreed buyer of the consumer giant's chips brand, keeps losing sparkle. Buried news about its internal audit investigation, rising payments to walnut-growing directors and other inconsistencies don't seem to augur well for the probe - or P&G's deal.
Columnists & Contributors
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Vicki find out about Briana's health; Alexis gets her nose cast removed; Tamra, Gretchen and Heather do a ``Mud Run'' for charity.
Alexis gets surgery on her nose; Briana's surgery goes worse than expected; Gretchen gets nervous preparing for her Las Vegas debut.
Eddie stands by Tamra through her surgery; Jim wants Alexis to be a stay-at-home mom again; Heather invites the girls to a bowling party.


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Off to the shops? Looks like these ladies, young and slightly older, have been busy already in "Shoe Zone" and other stores doing some shoe shopping. Mum looks a bit stressed, but daughter is off in her own world and probably enjoying the day!
This image was taken moments before I shot The hat and the smoke. Same car in the background, and you can see the subject of the previous photo just coming into the frame on the left!
It's so wonderful to see small little daisies growing up all on their own surrounded by grass everywhere. When the sun is shining and there is nothing to do except eat a nice picnic and stroll by the beach I'm in heaven.
I shot these bright little daisies down in Garrettstown, Co. Cork a few months ago.
It's strange how you can be stuck in your own little world and not be aware of anything around you.
All around this boy were couples, either hand in hand, walking together or even framing him in the middle of the image, but I'm struck by his solitary movement through the street. He look lost in thought.
Link love:
Sometimes on a cloudy and dark day something unexpected can brighten your day. These sexy red boots had that effect and I quickly grabbed this shot!
I can't imagine the pain of walking in shoes with such high heels however. *shudder*
A smile brightens up anyone's day. When it's a child smiling it's extra special.
This was shot on St. Patrick's Bridge, Cork just after the St. Patrick's Day Parade on March 17th. The crowds opened up for a few seconds and I briefly saw father and son.
Cork City as seen from the top of the carpark on the Grand Parade. The big ugly white building is the tax office on O'Sullivan's Quay, the church is a disused one nearby. I'm not sure of the name off the top of my head, anyone?
1. Use two layers, one over and the other underexposed and join at the horizon using a gradient layer mask. Erase and fill in where necessary using the mask.
2. Use an overlay layer to create the nice vignette effect at the top of the image.
The image needs to be slightly rotated I think, I spent so much time getting the horizon correct I didn't notice how crooked things were!
It was February. The sun was trying to shine but it was a little nippy out. You need to wrap up against the cold breeze!
Man and daughter or maybe granddaughter pictured on Patrick's Street in Cork.
A young lady checked her bag just outside Paul Street Shopping Centre in Cork. Wide angle lens makes for weird contortions but I like it!
His and hers bikes locked up against a pole in Daunt Square, Cork last February. Looking at this with fresh eyes, I was lucky to catch the people behind the bikes without at least one of them standing behind the pole!
I love the expressions of the two girls closest to the bikes. I wonder if they're sisters?
I have to get out and take more street shots soon. I can't remember the last time I "shot from the hip" and Cork City needs recording!
Link love: Thailand: What's love got to do with it?, Spring Lamb (Thanks Markr), Great blogs of our time, Part One (thanks for the link Niall!), A Collection of Inconvenient Facts, When Your Agent is Not Your Friend – read if you sell to a microstock site, My Top Five Wedding Photography Tips For Point-And-Shoot Digital Users, Crop This! (via), Trash the dress (via)


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$0.99Set in the early 22nd century, this story gives the reader an idea of what life on Mars was like a century after first being settled. Andrew Smither's life spanned that century and as he recalled it, we get a feel for the new society that was created. Youth restoring treatments, wingless flying machines, sprawling mining towns and plural marriages were just some of the features on the landscape of
$0.99Set in the next decade, this story details the eight year long robotic construction of a settlement on Mars and the preparations leading up to the mission to occupy the colony. Grand in scope, the action of the story takes us from Tucson Arizona to Laredo, Texas to Washington, DC to Baikonur, Kazakhstan to Earth orbit and, of course, to Mars.Dr. Helen Meers, retired astronaut, Bill Mayfield,
$3.49Second of the Alien Artifact books, this novel is set in the 2070's, on the same past and future time track as The Man Who Conquered Mars and Titus Andronicus Scott. This story transports the reader billions of miles across the Solar System, from Earth, to Mars, to Callisto and to Luna. With Augie Rodriguez, Boy Scout, Mars Colonist, mutineer, inventor, reluctant diplomat, chess player and math
$3.49The Mars Corporation is establishing a permanent colony on Mars. Hector Rodriguez along with Helen Meers are tasked with constructing the human habitats and support facilities from Earth-using robots. Mars colony will be up and running before Hector and forty-nine other intrepid pioneers arrive at their new home. And home it will be: because this is a one-way trip!Rocky and Augie passed their
$3.49Mars Colonist, Ana Konstantinova and her friends must solve the mystery of who built a recently discovered alien structure and who left a human artifact there a hundred years before. As the object of the affections of her two young male friends, Ana must also resolve the problem posed by a romantic triangle. The reader may be surprised by her solution and will enjoy the action, adventure, and
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Zachary Dixon: Officer ApprenticeFinding himself surrounded by cadets he feels are more capable, Zack works hard and proves himself to his instructors and fellows. After six months training, Zack and his fellow cadet, Marnie, are assigned as officer apprentices on, Lodestar, the flagship of the fleet.For the next year, Zack and Marnie learn their profession while traveling to a dozen star systems. During the course of his travels
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Mitochondrial Dysfunction in Neurodegenerative DisordersAs age related diseases increase in prevalence and impact more significantly on medical resources it is imperative to understand these diseases and the mechanisms behind their progression. New research has stimulated a growing interest in mitochondrial involvement in neurodegenerative disorders such as Parkinson's disease, Alzheimer's disease and multiple sclerosis and the mechanisms which lead
$0.99An immigrant boy quickly learns that his new home on Mars is a long way from Kolkata. Kumar Sharma is not a happy camper when he discovers that he has lost his Scout ranking and is a Tenderfoot again.Experience life on Mars as it might be in the Mid-21st Century through the eyes of a young man new to the place. At the time of the story, Kumar, his scientist father, and his older sister are
$3.49Stand by for four exciting tales from the Martian past and future! Two Andy Andersen novellas as well as a short story and novella on the Alien Artifact timeline make up this collection of science fiction by the author of The Man Who Conquered Mars, Jupiter IV, Footprints in Red, and Zachary Dixon: Officer Apprentice. Open this book and experience these unusual and thought provoking stories!Ribbon
$0.99Visit the world as it might exist a century in the future. A world where high speed maglev trains travel between cities, rocket-liners carry passengers from San Francisco to London in an hour ,giant ion powered space ships travel between planets and civilization has spread throughout the solar system. This is the setting for a story that takes the reader from a sleepy college town in northern


text:
- Home
- Our Team
- Login/Register
- 1 The Short Sale Legal Jungle
- 2 Fiduciary Duty of Agents
- 4 Our Value Proposition
- 5 Agent Compensation
- 6 Case Study of Agent Partners Role
- Short Sale Success-Client Testimonials
- 7 Understanding Florida 501.1377
- 8 New Standardized Short Sale Guidelines
- 9 Property Acquisition and Process
- 10 Pre-Qualifying the Seller and Property
- 11 Educating the Seller
- 12 Meeting with the Distressed Seller
- 13 The Positive Results Conversation
- 14 Understanding the Documents
- 15 Marketing the Property
- 16 Preparing for the BPO
- 17 Our Exit Strategies
- 18 FAQ for Brokers and Agents
- 19- Marketing Tips for Our Agent Partners
- Sellers
- Testimonials
- Pre-Foreclosure / Short Sales
- The Top Seven Financial Pitfalls Of Foreclosure
- Special Report #1- Imminent Default? You do Have Options!
- Special Report #2 – What is a Short Sale?
- Special Report #3 -What to Expect During a Short Sale
- Special Report #4-Tax Ramifications Resulting From A Short Sale
- Special Report #5 -Short Sale Scam Artists
- Special Report #6 -Working with Well Informed Agents
- Special Report #7 -Bankruptcy Vs. Foreclosure?
- Special Report #8 Options for Selling without a Short Sale!
- Special Report #9 Responsding to a Notice of Default
- Seller FAQ
- Buyers
- Blog
- Industry News
- Contact Us
- Mastermind
- Forum
Daytona Beach Foreclosure Solutions
Real Estate Liquidators Inc. has been providing providing Private Market Solutions to help solve the nations housing crisis since 2007. We have helped dozens of homeowners who were desperately in search of a solution to their problem properties when facing some of their most difficult financial challenges.
As a proud member of the "Distressed Property Coalition" a DC Lobbying effort that was formed to represent the interests of Real Estate Brokers, Agents, Investors, buyers and sellers in order to provide Private Market Solutions to the nation's housing recovery. Douglas Heise has pledged to operate with complete honesty, integrity and fairly in an open and honest manner.
Real Estate Liquidators has developed proprietary solutions that have a proven track record of working and getting results while operating in the interest of "Full and Complete Disclosure" to all parties involved. With a long history of helping struggling homeowners and real estate agents understand the complex nature of short sales. Douglas Heise has established himself as the go to person when it comes to providing private market solutions to the local housing crisis.
Visit our About Us page to learn more.
Facing a Foreclosure in Daytona Beach, Florida?
Need to do Short Sale? Not Sure?
If you are currently behind on payments and possibly facing a foreclosure and you need answers now.
Please take a moment to visit our seller page for information regarding our short sale programs.
Looking to Buy a Great Property in Daytona Beach, Florida
We have wholesale properties and pre-approved short sales that represent a great value. Please visit our Buyers Page to learn how you can be placed on our buyers list and be the first to be notified when we have new properties as the become available. Please visit our buyers page here.
Investment Opportunities
"Be Fearful When Others Are Greedy
Greedy When Others Are Fearful"
– Warren Buffett
There has never been a better time to get involved in the real estate investment business. Regardless if you are looking to complete a full blown rehab yourself or you are looking for passive investment opportunities on great cash flowing properties. We have the right property for you.
Please take a moment and visit our Investments page.
Approved Short Sales in Florida
Providing Private Market Solutions Get's Results Since 2007!
Luna Bella New Smyrna Beach, Florida
$235k Total Debt / Bank Approved for $210k
Full Release / No Deficiency / No Seller Contributions
Repairs $10,000 +
Sunny Road Ormond Beach, Florida
After after falling behind in my mortgage payments due to the bad economy affecting my job/income. I spent several years of trying unsuccessfully to negotiate with my mortgage company to keep my home. I had finally decided to let it go into foreclosure.
I was always a day late and dollar short for all the so called "helpful" programs offered by the mortgage company and/or government. The mortgage company was difficult to deal with, never providing helpful information despite their masked attempts to do so.
The legal firms I researched wanted money up front from me with no guarantee of the outcome. Online reviews indicated others had poor experiences with paying money and then not being able to get answers on how their case was progressing.
I also dealt with a non profit assistance group which required the same massive paperwork I had been handling myself with the same negative outcome so why did I need them to play middleman – taking a day off work to drive to their seminar 100 miles away with a "guaranteed answer in the same day" resulted in me losing a day of pay, spending money on gas, and not receiving the negative answer until four months later. This company required that I have an appointment to talk to someone but when the call was accidently disconnected I was unable to reach my person immediately after and had to schedule a new appointment. All of these attempts were affecting my health with the stress.
Then I received a postcard from Douglas at Real Estate Liquidators Group LLC which said they would purchase my house in "AS IS" condition. This appealed to me as all other short sale offers required "broom clean" and I had not been taking as good of care of the house as I should have knowing I was probably going to lose it.
Doug's team including Lise Forte/Ocean Luxury Realty and Jack Morris of Preico Home Solutions (my negotiator) were great to work with. They dealt with the mortgage company on my behalf and I no longer had the stress I had endured for years.
Doug's team knew the legalities and lingo to motivate the mortgage company. Not only did they pressure the mortgage company to finally close the deal after months of delays, they negotiated a tidy sum for me of almost $10,000 in moving assistance.
Working with Doug, Lise, and Jack was the best decision I could have made –
I only wish I had learned of them earlier.
Original Mortgage owed to Wachovia was in the amount of $289,000.00
Settled for $83,000.00
Back taxes owed for a period of two years in the amount of $8,000.00
Solar Pool Lien owed in the amount of $5,300.00
Total Debt Owed on the Property = $302,300.00
By working with Real Estate Liquidators Inc all liens and mortgages were negotiated down $202,000.00 and the lender agreed to a settlement of $100,0000.00 and avoided the costs of pursuing a foreclosure. The seller received a full release with no promissory note, seller contributions or worries about a deficiency judgment. She salvaged her credit and received a fresh new start in life!
The original Approval Letter issued by Wachovia included the lenders right to pursue a "Deficiency Judgment" at some point in the future.
This was unacceptable to both us and the seller so we continued working the file.
Because the seller was working with an experienced investor,
we were able to reach a settlement that included a full release.
(The Seller was a Real Estate Agent)
Thanks so much for the great job you did short selling my house. Even in this terrible market, you managed to get my house sold in a really short time and I didn't have to do anything. Between you and my realtor, everything went really smoothly.
I had heard some really horrible stories about short sales but not with you & my sale! I recommend you highly, just tell them to call me!!
Thanks again,
Karen H
Ormond Beach Florida - Freed from Foreclosure!
Agent made over 16k on this Transaction
Doug, I must say, as a Realtor® and CDPE (Certified Distressed Property Expert), I am impressed with your short sale Program. I've been specializing in short sales for over 2 years now and know the ins and outs as well as the time and skill necessary to bring a short sale to a successful close.
I've been approached several times by other so-called "investors" who have been attempting to facilitate a version of the program you are successfully working.
It is obvious to me that you have done your homework and have taken great care and diligence in setting up your program and implementing the process. As you know I was more than skeptical at first, however, now that we have completed our first sale together, I can honestly say I am extremely pleased with the entire program/process.
I found everything to be very well planned and researched, completely above-board and legitimate, which is often an issue with many of the "copy cat" short sale programs currently out there.
Having come from a legal real estate background, I was pleased to see full disclosure in every aspect of the program and the true letter and spirit of the law regarding short sales and the Foreclosure Recovery Act being followed.
I am happy to refer you to my short sale clients and to have the opportunity to work with you on many more transactions!
Original Mortgage owed to Bank of America was in the amount of $395,000.00
Reduced and Paid in Full by Real Estate Liquidators Inc.
Original First Mortgage owed to Suntrust was in the amount of $150,000.00
A Second Mortgage existed to Citimortgage for $27,000.00
This property carried a second lien that was already charged off and in collections.
Both were successfully negotiated and the seller received a full release.
First Mortgage to Sun Trust in the Amount of $284,000.00
Settled for $120,0006.24
Second Mortgage in the amount of $80,000.00
Settled for $3,000.00
Both paid in full by Real Estate Liquidators LLC
To whom it may concern,
After a very difficult divorce, my martial home was ordered short-sold by the court as the best possible option considering the debt incurred during the marriage. The market value of the property was approximately $170,000 after purchasing the home 5 years prior for $330,000. An additional $30,000 was invested for a pool and home improvements. After I had moved out the pool was left in an unusable condition by my ex and the house was a mess. The total amount owed on the house was $330,000 which after subtracting the market value left a deficiency of $160,000. Faced with a pending foreclosure I hired a local agent to handle the short-sale. She brought in Doug Heise of Real Estate Liquidators to assist in the effort. Having moved to Houston for work, my ex never told me about the foreclosure summon she was served with until a week before the auction. Doug and his team were able to stay the foreclosure and successfully close the short-sale a few months later with no deficiency judgment and no land tax liability. The tax liability on the 1099 income in the amount forgiven by the bank will also be waived by the IRS as part of the Mortgage forgiveness Debt Relief Act of 2007. The end result was a new start and no money owed. They did an outstanding job and drastically reduced the stress associated with this very difficult situation. I would highly recommend their services.
Additional Approval Letters
Available Upon Request
If you would like immediate assistance please complete the form below and we will contact you!
You may also visit our seller page for additional info.
|Property Copy Address
|Zip Code:
|Owner Information
|Name 1:
|Name 2:
|Zip Code:
|Contact Information
|Home Phone:
|Work Phone:
|Mobile Phone:
|E-mail Address:
|Receive SMS Notifications:
Property Information
|Property Type:
|Square Feet:
|Year Built:
|# Bedrooms:
|# Bathrooms:
|# Stories:
|Current Value:
|Value Method:
|Are you in foreclosure?
|Date foreclosure was filed:
|Auction Date:
|Would you sell the property for what you owe?
|What would be the least you would accept if we could close within the next 7 days or a date of your preference?
|Lot Size:
|Property Listed:
|For How Long:
|List Price:
|List Of Repairs:
|Reason For Selling:
|Ideal Close Date:
|How Did You Hear About Us?
|Promo Code:
Mortgage Information
|1st Mortgage
|Loan Balance:
|Interest Rate:
Monthly Payment:Age of Loan (Yrs):Payments Current:Amount In Arrears: Other Liens/PaymentsHOA Fees:Condo Assoc Fees:Special Assessments:Property Taxes:Current Rent:1sts Lien Name:1st Lien Amount:2nd Lien Name:2nd Lien Amount:
|2nd Mortgage/HELOC
|Loan Balance:
|Interest Rate:
Monthly Payment:Age of Loan (Yrs):Payments Current:Amount In Arrears:
|3rd Mortgage/HELOC
|Loan Balance:
|Interest Rate:
Monthly Payment:Age of Loan (Yrs):Payments Current:Amount In Arrears:
Real Estate Liquidators was established in 2007 to help assist homeowners get a fresh new start in life. Please take a moment to review our process and read our seller testimonials. Many sellers are now getting $3,000 to $30,000 for incentives to complete a sale. Give us a call for more information at 386-235-7464.


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January 25, 2011
U.S. Secretary of Education Arne Duncan issued the following statement on The Nation's Report Card: Science 2009, National Assessment of Educational Progress (NAEP) at Grades 4, 8, and 12:
January 24, 2011
Education Secretary Arne Duncan Will Make Educational Opportunities for Military Families a Priority as Part of Presidential Initiative
As part of the Obama administration initiative to support military families, the U.S. Department of Education will focus on providing educational opportunities for children of military families, especially when a parent is deployed and during times of transition between schools. The Department will also simplify the financial aid application process for members of the military.
January 24, 2011
January 24, 2011
Today the Department of Education announced that it has selected 150 school districts from among the 245 applications it received to participate in its upcoming conference on labor-management collaboration Feb 15-16 in Denver, Colo.
January 20, 2011
U.S. Labor and Education Departments Encourage Applications for Trade Adjustment Assistance Community College and Career Training Grant Program
The U.S. Department of Labor today announced a solicitation for grant applications under the Trade Adjustment Assistance Community College and Career Training Grant Program. The Labor Department will award approximately $500 million this year through the program and a total of $2 billion over the next four years.
January 19, 2011
U.S. Secretary of Education Arne Duncan today issued the following statement on House legislation that would repeal the Affordable Care Act, the historic health care reform law approved last year by Congress.
January 18, 2011
Today the White House Initiative on Asian Americans and Pacific Islanders Interagency Working Group (IWG) released the first set of agency plans to increase Asian American and Pacific Islanders (AAPI) access to the federal government.
January 10, 2011
Following is a statement by U.S. Secretary of Education Arne Duncan on the tragic shootings in Tucson this past weekend.
January 3, 2011
School districts and labor leaders from across the country have been invited to attend a federally sponsored conference in Denver on Feb. 15 and 16 to identify ways that collaborative labor-management relationships, policies and agreements can more directly drive student achievement.
December 23, 2010
U.S. Department of Education Awards $50,000 to Help Shannon County School District Recover from Multiple Student Suicides
The U.S. Department of Education's Office of Safe and Drug-Free Schools has awarded Shannon County School District in southwest South Dakota a $50,000 Project School Emergency Response to Violence (SERV) grant to assist with ongoing recovery efforts following the suicide deaths of nine students during the 2009-2010 school year.


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Group Urges Republican Candidates to Defund Planned Parenthood
Adelaide Oval to host Mundine v Green bout
Adelaide Oval is the venue for the highly anticipated re-match between bitter boxing rivals Anthony Mundine and Danny Green.
Stevie J played role in Giants move: Deledio
GWS recruit Brett Deledio has revealed that triple premiership winner Steve Johnson played a major role in convincing him to leave Richmond for the Giants.
Australia advantaged by training at St Georges Park - Scott
Matt Scott says the Kangaroos have the edge on their Four Nations opponents by training at a multi-million dollar football facility.
Matt Scott threatens to ruffle teammates head up
Teammates and Premiership winners at club level, enemies in the international arena. Matt Scott has sent a warning to Scotland's Lachlan Coote and Kane Linnett.
Why Storm won't play World Club Series - Smith
Cameron Smith was worried about his side's ability to back up from playing in England as the club decides to opt out of the World Club Series.
Costly confrontation at WSOP
William Kassouf's trash talking got the best of him after a heated confrontation forced him and his opponent to go all-in with the stakes unbelievably high. Source: YouTube.
Today's sport stories - October 25
Today top sport stories include Wayne Bennett denying he wants the Kangaroos job, Kuznetsova cuts her hair mid match, the Parramatta Eels reveal an $11 million loss, and Danny Green versus Anthony …
I am 100% behind Des - Graham
James Graham responds to criticism of Des Hasler and maintains the playing group is behind the under-fire coach.
Analyst: World Series Tix Most Expensive Ever
Chicago Cubs fans are paying upwards of six thousand dollars to sit in the cheap seats at Wrigley Field for the team's first World Series since 1945. Jesse Lawrence of TicketIQ says the prices are …
Josh Mansour will be jealous of me - Inglis
As Greg Inglis arrived at Anfield, die hard Liverpool fan, Josh Mansour, was stuck at Kangaroos base camp.


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Publications : Browse
Browse PATH publications
Subject: Maternal and child health > Miscellaneous
- The Peer Family Experience
This is one of a series of fact sheets that describe PATH's current and past work in Kenya. The fact sheets focus on specific projects as well as unique approaches that cut across projects. This fact sheet describes work of the Peer Family Program, one of the most unique and successful interventions of AMKENI, a project aimed at increasing use of integrated HIV and AIDS, family planning, reproductive health, and child survival services in Western and Coast provinces.
Publication date: June 2006
Region: Africa
- Using Culture to Change Behavior
This fact sheet describes how the Culture and Health Program (CHAPS) uses a small grants program to catalyze local action.
Publication date: June 2006
Region: Africa
- Needs of HIV-Positive Women in Ukraine
This poster presentation describes the research conducted using four focus group discussions to analyze information about the needs of HIV-positive pregnant women and mothers in Ukraine. The focus groups consisted of a total of 27 HIV-positive mothers who delivered babies in the previous two years in Sevastopol and Mykolayiv, Ukraine. This poster was presented at the XVI AIDS conference in Toronto, August 13-18, 2006.
Author: Okromeshko S; Zaika N; Mogilevkina I; Bishop A; Stekhin K
Publication date: 2006
Region: Eastern Europe
- Citra Diri Training for ASUH Midwives
Description of Citra Diri Training in Indonesia.
Publication date: 2003
Region: Asia
- Clinical Training for ASUH Midwives
Description of clinical training provided to midwives in Indonesia.
Publication date: 2003
Region: Asia
- Empowering Communities through ASUH
Description of how ASUH helped communities in Indonesia.
Publication date: 2003
Region: Asia
- Working with District Health Offices in ASUH
Description of the work carried out with district health offices in Indonesia.
Publication date: 2003
Region: Asia
- A Qualitative Assessment of the Ethno-Medical Perspectives on Intestinal Parasite Infections in Vietnam
Infection with intestinal parasites is very common in rural Vietnam, with rates of Ascariasis approaching 100 percent amongst children aged two years and older. Trichuris and hookworm infections also highly prevalent. This document reports on research that was conducted at four communes of Ba Thuoc and Hau Loc districts, Thanh Hoa Province, Vietnam. It provides a comprehensive overview of awareness as well as behaviors and practices of local people in health and intestinal parasite infection management and control.
Publication date: 2002
Region: Asia
- Immunization and Child Health Materials Development Guide
Author: Younger E; Wittet S; Hooks C; Lasher H
Publication date: 2001
Region: Global


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realmagick.com The shrine of knowledge.
Bulacan History
A selection of articles related to bulacan history.
Original articles from our library related to the Bulacan History. See Table of Contents for further available material (downloadable resources) on Bulacan History.
- Indian History Rewritten
- The Indian civilisation, considered to be the product of clash and subsequent inter mixture of the white-skinned civilised invaders and the dark savages native to India, has been rightly questioned in recent years, and the mischievously fabricated history of...
History & Anthropology >> Indic / Vedic
- The Truth Behind the History of the Necronomicon
- I don't think there are many people out there who haven't heard of the Necronomicon and the dreadful things connected with it. We've all heard the theories about how it is a Satanist tool; actual copies of the book are bound in human skin and how you risk...
Deities & Heros >> Chthulu
- History of the Egyptian Religion, part I: Early Dynastic Period
- I - Predynastic - Early Dynastic Period. The temples were in essence the *Home of the God* and thus a place where only Pharaoh as the Son of God and those he appointed as his deputies, could meet with the god. This goes all the way back to Archaic and...
Religions >> Egyptian
- History of the Egyptian Religion, part II: The Old Kingdom
- II - The Old Kingdom ca 2686-2181 BC During the Old Kingdom the Egyptian society moved from tribal communities to a fully developed theocratic system, where the power of the king was absolute. The great pyramids of Dynasty 4 was made possible by technological...
Religions >> Egyptian
- History of the Egyptian Religion, part IV: Middle Kingdom
- First Intermediate - Middle Kingdom (ca 2181 -1786 bc.) The powers that built the solar temples of the 5th dynasty and the pyramids of the 6th dynasty weakened towards the end of the Old Kingdom, perhaps as a result of eroding economics, leaving the King less...
Religions >> Egyptian
Bulacan History is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Bulacan History books and related discussion.
Suggested News Resources
- Grace, Chiz form legal team
- Presidential candidate Grace Poe visits Muzon in San Jose del Monte, Bulacan, on Sunday. Jay Morales. "We are now going to the second and ...
- 'Singkaban' Bulacan's way of celebrating history, art
- CITY OF MALOLOS—The weeklong Singkaban Festival opened here on Tuesday to highlight the history, culture and tradition of the 437-year-old province of Bulacan. Gov. Wilhelmino Sy-Alvarado said the annual celebration has been promoting the province ...
- Nothing set in stone on Mt. Manalmon
- Past rivers, past rocks. The trail to the peak of Mt. Manalmon in San Miguel, Bulacan was an easy one.
- Poe, Binay tied in latest poll
- I think history [will repeat itself]," Binay told reporters in Bulacan province, where he was campaigning on Friday. READ: 'History repeats itself': Confident Binay sees victory in presidential polls.
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.
Bulacan History Topics
Related searchesstonehenge myths and legends
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denis leary emerson college
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Festivals Around the World in June
06/20/2013 • Flight Centre have put together this festival guide to spotlight what is going on around the world in June. via
Cool Information Graphics
06/20/2013 • Flight Centre have put together this festival guide to spotlight what is going on around the world in June. via
06/20/2013 • Legal plans reduce stress, so taking care of all of your legal issues can make you healthier. Check out this... more
06/20/2013 • Take a minute to learn about America's favorite past time. Here are some interesting baseball fun facts. via Nationwide Insurance
05/23/2013 • OxyContin is a prescription drug that is highly addictive due to its high levels of oxycodone, an opiate. Opiates are... more
05/23/2013 • We all show up for work late sometimes and feel that guilt of coming in late. But don't worry because... more
05/23/2013 • Moving abroad to a faraway land has been, and is, a dream for many, particularly so for those originating from... more
05/23/2013 • If you've ever wanted to know how many football pitches would fit into Disney World or the size of Orlando's... more
05/23/2013 • 5 surefire tips on how to manage caregiver stress. Breathe deeply and relax Divide the problem into manageable pieces Be physically active Keep your... more
05/20/2013 • Take a look at what the average UK household is spending money on each year. See what the most common... more
05/20/2013 • APIA understands the over-50 crowd of today is nothing like previous generations. Retirees and boomers right now are far more... more
05/01/2013 • While there can be no denying the heavy importance of early education for a child, this education infographic delves much... more


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With a stay at Urban Hotel Kusatsu, you'll be centrally located in Kusatsu, walking distance from Kusatsujuku Honjin and close to Tatiki Shrine. This hotel is within close proximity of Yabasekihan Island Park and Zenryuji Temple.
Make yourself at home in one of the 113 air-conditioned rooms featuring refrigerators and LCD televisions. Complimentary wired and wireless Internet access keeps you connected, and pay movies provides entertainment. Private bathrooms with shower/tub combinations feature complimentary toiletries and hair dryers. Conveniences include phones and desks.
Enjoy a satisfying meal at a restaurant serving guests of Urban Hotel Kusatsu. Quench your thirst with your favorite drink at a bar/lounge.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, dry cleaning/laundry services, and a 24-hour front desk.


text:
Honda Civic CRX Questions Any type
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Do You Know Anyone In The Little Rock, Arkansas Area That Will Work On My 1...
I have a 1991 Honda CRX that need some work done - A/C, tune-up maybe, diagnose and fix minor problems such as engine revving, etc. and I need to find a good mechanic who can diagnose and work on it. ...
My 91 Honda Crx Si Dies And Won't Start
So exiting the freeway she stalled, then I started her back up, and she sputtered and was making lil backfire noise not loud but almost, so I rev'ed it up good and she ran about 3 blocks, Then idl...
Honda Crx Motor Swap
I have a motor that origanly came from a 1999 lancer 1.8L I had it in a 1999 mirage. Now i want to put it in a 1991 honda crx. Is it possible with out re-positioning motor mounts?
Can My Skunk2 Alpha Header Be Paired With My Srs Full T-304 Stainless Steel...
How Mich Is A Honda Crx 89 Worth Woth 55000 Miles Orginal Engine
I have a Honda crx if with only 55000 miles ORIGINAL ENGINE that runs perfect but has side door damage that can be replaced . how much should I sell it for?
Car Overheats And Wont Start
it acted like the fuel pump going out now it wont start now
Can I Install A Backseat Into My 1991 Honda Crx Hf?
Recently Bought A Vehicle With A Sound System Hooked Up In It To 12 And A 2...
Even with the radio fully taken out and remote wire removed from everything besides the amp my amp stays on does my amp have a blown fuse I also have a capastor it cuts off tho
I Recently Bought A Vehicle With A Sound System Hooked Up In It To 12 And A...
with radio completely takiin out the app still stays on
So My 89 Crx Is Losing Power To The Battery I Figured Out It Is My Sound Sy...
My 89 Crx Si The Battery Won't Stay Charged It Stays Charged For 3 Days The...
-fuses -alternator Any ideas
1989 Crx Si And For The Past 2 Days The Car Has Started I Went To Crank It...
Radio and all still cut on but as I turn the key the car wount even make a noise
90-91 Crx Intake Manifold Swap
can the intake from a hf work on a dx engine
What Other Honda's Door Glass Is Interchangeable With My 91 Crx
Is A Honda Civic The Same Thing As A Honda Civic Crx?
Transmission Or Clutch?
Driving home one day, all of a sudden heard a bang closer to where the engine is. Started the car and now i hear a grinding/crackling sound while in neutral and only goes away when i press clutch pe...
My 1990 Crx Will Not Start. I've Fixed Some Things In It And It Was Running...
We tried to turn it back on and it wouldn't start. So we went and got our other car and tried to jump it and still nothing. It's not the battery either. What could this be ?
My Crx Is Still Ovderheatin
change the ratiator waterpump the hole tretment
What Year Honda Civics Or Hatchback Are Most Compatible With My 91 Crx Part...
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Burgundy Dark Red Satin Sweetheart Bow Formal Size:med Dress Dress
Shipping Included Shipping & packaging provided by seller. Learn More
Pay with Credit Card, PayPal, or Affirm.
This item has original tags and shows no visible signs of wear.
Satin Sweetheart Bow Cocktail Formal Dress. COLOR: Burgundy Dark Red; TAG SIZE: Medium; MEASUREMENTS: bust 34-36 inches, waist 28 inches, hip 40 inches, length (armpit to hem) 27 inches. ** I can also have this dress style made in other measurements and other colors if you are interested - just ask :) Thanks for looking!
Item #:
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Satin, 100% polyester
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Generational Change, One Child at a Time.
We select the highest-risk children from Harlem and the South Bronx and commit to working with those children from kindergarten to graduation.
In FY15 97% of our youth were promoted to the next grade.
In FY15 99% of our youth avoided the juvenile justice system.
Although 38% have parents who have been incarcerated.
In FY15 99% of our youth avoided early parenting.
Although 25% were born to a teen parent.


text: Academic Services In 'Academic Services' Academic ServicesAcademic Services DirectorateRegistryCentre for Learning and Academic Development and Learning SpacesCareers NetworkLibrary ServicesSpecial CollectionsStudent ServicesBirmingham Foundation Academy Back to 'Professional Services' Academic Services is at the heart of education and research endeavour at the University. We inform and influence the development and delivery of a range of activities throughout the staff and student lifecycles and provide support and advice to all staff and to students, enabling them to undertake their responsibilities effectively. Additionally, we seek to deliver on a range of transformational projects across the University; we also ensure that the activities of the University are conducted in accordance with the University's own procedures and regulations and in compliance with external legislative requirements. Academic Services divisions Academic Services Directorate Birmingham Foundation Academy Centre for Learning and Academic Development (CLAD) and Learning Spaces Careers Network Library Services Registry Special Collections Student Services Key People Ben BaileyInterim Director of Academic Services PA to the Director of Academic Services Alice McMurtrieE: email@example.com: +44 (0)121 414 3807