text:
Doctor insights on:
Arthritis And Altitude
What is arthritis?
Inflammation: Arthritis is inflammation within a joint. The most common type is osteoarthritis which is a wear and tear arthritis. Another is rheumatoid arthritis which is an autoimmune problem where the body attacks its own tissues. The common syptoms of arthritis is pain, swelling and stiffness in the affected joint. ...Read moreSee 1 more doctor answer
Painful Joints (Definition)
Juvenile rheumatoid arthritis (JRA) is a term used to describe a common type of arthritis in children. It is a long-term (chronic) disease resulting in ...Read more
What is osteo arthritis?
Osteoarthritis (OA): Is a "wear and tear" arthritis, degeneration of one or more joints. It can have many causes such as an injury, biomechanical abnormalities and more which cause progressive joint damage over time. Treatment is largely symptomatic at first, but it is also wise to look into the underlying cause to help treat it effectively. ...Read moreSee 1 more doctor answer
What are some good low impact exercises with arthritis?
Swimming: Swimming is a great exercise for people with arthritis. Make sure to check with your doctor before starting an exercise program to make sure it is safe for you. ...Read moreSee 2 more doctor answers
Which medicine for arthritis is most effective?
Arthitis medicine: The definition of arthritis is deceptively simple: an inflammation that involves one or more joints. More than 100 diseases fit this description, from the simplest inflammation in one joint to complex autoimmune diseases. Most common used madication are:nonsteroidal anti-inflammatory drugs (relafen, voltaren, Mobic and ibuprofen, celebrex, vioxx and Bextra and Aspirin and magnesium salicylatethank. ...Read moreSee 2 more doctor answers
What are the different types of arthritis, ?
Multiple: This requires a book to answer, but: i'll try. In general, there are two types of arthritis: inflammatory and non-inflammatory. Inflammatory involves a systemic condition which is attacking your joints or creating inflammation (rheumatoid, gout, psoriatic, lyme disease, etc.). The non-inflammatory is osteoarthritis (aka degenerative and wear-and-tear). This is the arthritis of wear or aging. ...Read moreSee 2 more doctor answers
Can I get diisability for arthritis?
Hopefully not!: Most patients with arthritis lead quite functional lives. A number may have modest functional damage, but keep working! but I have patients with trivial problems, who want to drop out because of a diagnosis! most are not and will not become disabled! ...Read moreSee 2 more doctor answers
Does food affect arthritis?
Depends on type: 150 types of arthritis. Gout is affected by diet (prot., purines, alcohol); rheumatoid maybe modestly affected by amt and type of fat intake. High fat and omega 6 (land fats) can increase body's chemical mediators of inflammation; lower fat and omega 3 (marine oils) lower them. Flax/walnuts nahclinical effect? Maybe; couldn't hurt. Doesn't take the place of meds. Cherries don't stop gout attacks. ...Read moreSee 1 more doctor answer
What about unflavored jello for pain and arthritis relief ?
We don't know: Gelatin contains collagen, which helps make up our bones. Some people have said that it helps them but we don't have good studies that shows gelatin works for arthritis. ...Read moreSee 1 more doctor answer
Does cracking in your shoulders meen you have arthritis.?
Depends: It really depends on the degree, occasionally popping sounds from any joint is benign. If the shoulders are constantly producing grinding sounds or if you feel a type of clunking sensation in the shoulders, there could be a problem and you should get it checked out. ...Read moreSee 1 more doctor answer
What is the best way to manage arthritis ?
Stay active: Arthritis can be thought of as rust in the joint, and staying active is the best way to keep the joints moving freely. Tylenol can also be helpful, and sometimes injections (depending on the joint) can provide a great deal of relief. ...Read moreSee 1 more doctor answer
Arthritis (Definition)
Arthritis is the progressive ...Read more
- Talk to a doctor live online for free
- Psoriatic arthritis and altitude
- Juvenile rheumatoid arthritis and altitude
- Do frequent sharp pains in fingers and knuckles mean arthritis?
- Ask a doctor a question free online
- Costochondritis and rheumatoid arthritis
- Arthritis vs. bursitis
- Why does my arthritis hurt more in the morning and get better throughout the day?
- Relationship between ulcerative colitis and psoriatic arthritis
- Talk to a rheumatologist online for free


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This is the full research report for 188.8.131.52, which is an IP address.
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Warhammer 40k - Horus Heresy Novel - Vengeful Spirit by Graham McNeill
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My fear is that we have become so proficient in our own ability that we no longer rely on the power of the Holy Spirit. We've become so proficient we can do it without Him. We no longer need Him, we no longer seek Him, we no longer pray.
Any novice Bible student knows that the most important meeting of the New Testament church was the prayer meeting. Unfortunately, today, it's also the least attended meeting.
It's true. Today we have no problem filling the church for fellowships and social events, but where is the prayer? We have no problem gathering people for potlucks and chili cook-offs but where is the call to fast? In the words of David Wilkerson, "We love the supper room, but avoid the upper room." And unfortunately, the church will never penetrate this godless culture and make true converts to Christ unless we fall in love again with prayer.
More than a century ago, Andrew Murray said, "The man who mobilizes the Christian church to pray will make the greatest contribution in history to world evangelization." Likewise, Leonard Ravenhill declared, "The man who can get believers to praying would, under God, usher in the greatest revival that the world has ever known." In the early 20th century, Dr. R. A. Torrey wrote, "The devil is perfectly willing that the Church should multiply its organizations and its deftly contrived machinery for the conquest of the world for Christ, if it will only give up praying." Torrey further wrote, "Satan laughs as he looks at the church of today, and says: 'You can have your Sunday schools, and your children's programs and your Men's Clubs, and your choirs, and your music, and your preachers, and even your revival efforts even—if you do not bring into them the power of Almighty God, sought and obtained by earnest, persistent, believing, mighty prayer.'"
But how does a church become a praying church? How do a people become a praying people? The answer is found in three simple words: A PRAYING LEADER!"


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January 6, 2010
SHAUNA PALMER, PLAINTIFF,v.HOMECOMINGS FINANCIAL, LLC, DEFENDANT.
This lawsuit arises out of a home mortgage loan transaction between Plaintiff Shauna Palmer and Defendant Homecomings Financial LLC ("Homecomings"). Palmer refinanced her existing home mortgage loan in April 2007, and she claims that Homecomings violated various statutes and regulations by, among other things, charging her fees that were unrelated to the work performed in connection with her loan. This Court granted-in-part and denied-in-part Homecomings' motion to dismiss Palmer's Amended Complaint, dismissing three of Palmer's four claims but holding that Palmer stated a claim under the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. § 2601, et seq. See [31] Order (June 25, 2009); [32] Memo. Op. (June 25, 2009). Palmer filed a Third Amended Complaint restating her RESPA claim and asserting a claim under the Equal Credit Opportunity Act ("ECOA"), 15 U.S.C. §§ 1691 et seq. Currently pending before the Court is Homecomings' motion to dismiss the Third Amended Complaint. Homecomings has asserted statute of limitations defenses with respect to both claims and further contends that Palmer has failed to state a claim for relief under the ECOA. For the reasons explained below, the Court shall GRANT Homecomings' Motion to Dismiss Palmer's RESPA claim on statute of limitations grounds and HOLD IN ABEYANCE Homecomings' Motion to Dismiss Palmer's ECOA claim for failure to state a claim upon which relief can be granted.
On April 26, 2007, Palmer refinanced her existing first mortgage loan on her home in Washington, D.C., with a loan from Homecomings. See Third Am. Compl. ¶ 23. Although her credit score exceeded 700, Palmer was given a loan with an adjustable rate of nearly nine percent, although she believes she qualified for a fixed rate of around six percent. Id. ¶ 24. Palmer paid $19,000 in points and fees in connection with the loan. Id. ¶ 25. Palmer claims that she was not given an opportunity to read the loan documents at closing and was not informed what her broker's total compensation would be prior to the closing. Id. ¶¶ 27-28. Palmer alleges generally that the terms of the loan were unlawful, predatory, and discriminatory. Id. ¶ 29.
Palmer initiated this action on March 13, 2008 when she filed a complaint in the Superior Court for the District of Columbia. After Palmer filed an amended complaint on October 9, 2008, Homecomings removed the case to federal court on October 27, 2008.
The Federal Rules of Civil Procedure require that a complaint contain "'a short and plain statement of the claim showing that the pleader is entitled to relief,' in order to 'give the defendant fair notice of what the . . . claim is and the grounds upon which it rests.'" Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007) (quoting Conley v. Gibson, 355 U.S. 41, 47 (1957)); accord Erickson v. Pardus, 551 U.S. 89, 93 (per curiam). Although "detailed factual allegations" are not necessary to withstand a Rule 12(b)(6) motion to dismiss, to provide the "grounds" of "entitle[ment] to relief," a plaintiff must furnish "more than labels and conclusions" or "a formulaic recitation of the elements of a cause of action." Id. at 1964-65; see also Papasan v. Allain, 478 U.S. 265, 286 (1986). Instead, a complaint must contain sufficient factual matter, accepted as true, to "state a claim to relief that is plausible on its face." Twombly, 550 U.S. at 570. "A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Ashcroft v. Iqbal, ___ U.S. ___, 129 S.Ct. 1937, 1949 (2009) (citing Twombly, 550 U.S. at 556).
In evaluating a Rule 12(b)(6) motion to dismiss for failure to state a claim, the court must construe the complaint in a light most favorable to the plaintiff and must accept as true all reasonable factual inferences drawn from well-pleaded factual allegations. In re United Mine Workers of Am. Employee Benefit Plans Litig., 854 F. Supp. 914, 915 (D.D.C. 1994); see also Schuler v. United States, 617 F.2d 605, 608 (D.C. Cir. 1979) ("The complaint must be 'liberally construed in favor of the plaintiff,' who must be granted the benefit of all inferences that can be derived from the facts alleged."). However, as the Supreme Court recently made clear, a plaintiff must provide more than just "a sheer possibility that a defendant has acted unlawfully." Iqbal, 129 S.Ct. at 1950. Where the well-pleaded facts set forth in the complaint do not permit a court, drawing on its judicial experience and common sense, to infer more than the "mere possibility of misconduct," the complaint has not shown that the pleader is entitled to relief. Id. at 1950.
Palmer's Third Amended Complaint asserts two claims: (1) that Homecomings violated provisions of the Real Estate Settlement Procedures Act by giving kickbacks to Palmer's mortgage broker for the referral of business to Homecomings and giving the broker a split of the settlement charges other than for services actually performed; and (2) that Homecomings violated the Equal Credit Opportunity Act by discriminating against Palmer on the basis of her race and/or sex. Homecomings has moved to dismiss on the ground that each of these claims is barred by the statute of limitations in their respective statutes. Palmer contends that her RESPA and ECOA claims are timely because they relate back to earlier pleadings that were timely filed. Homecomings has also moved to dismiss the ECOA claim on the ground that Palmer has failed to state a claim for relief. The Court shall address each argument in turn.
A. RESPA Statute of Limitations
Palmer's Third Amended Complaint alleges violations of RESPA Section 8, 12 U.S.C. § 2607. Palmer actually alleges two separate violations of the statute: (i) giving kickbacks to mortgage brokers for the referral of business in violation of § 2607(a) and (ii) splitting settlement charges with brokers for services not actually performed in violation of § 2607(b). See Third Am. Compl. ¶¶ 31-32. The statute of limitations for claims under § 2607 is one year. 12 U.S.C. § 2614; Winstead v. EMC Mortgage Corp., 621 F. Supp. 2d 1, 4 (D.D.C. 2009). A cause of action under § 2607 accrues on the date of the closing. See Snow v. First Am. Title Ins. Co., 332 F.3d 356, 359 (5th Cir. 2003) (holding that the "date of the occurrence of the violation" language in § 2614 refers to the closing); Winstead, 621 F. Supp. 2d at 4. Therefore, Palmer's claim accrued in April 2007, the closing date for her refinancing. See Third Am. Compl. ¶ 23. Palmer first stated her RESPA claim in the Amended Complaint filed on October 9, 2008. See [22] Am. Compl. ¶¶ 33-36. Palmer does not dispute that this was more than one year after her claim accrued. Rather, she argues that the RESPA claim in her Amended Complaint relates back to the filing of her original Complaint, which was filed within a year of the closing. See Pls.' Mem. Opp'n to Def.'s Mot. to Dismiss ("Opp'n") at 7.
Palmer's original Complaint, filed pro se, is not a model of clarity. Among the numerous claims it asserts are breach of contract, transacting business without a certificate of authority, misrepresentation, constructive fraud, quasi-contract and unjust enrichment, conversion, gross negligence, and unlawful entry and detainer. See Opp'n, Ex. 1 (Complaint) at 7-10. The crux of its allegations, however, is that the Defendant*fn1 "is not the actual and/or legal holder of the debt [Palmer] owe[s]" and therefore cannot foreclose on the property. See id. at 1, 6; see also id. at 4 ("From the Defendants' own records they have shown that it is impossible for them to currently be the holder of this note."). The Complaint alleges that Defendant sold the mortgage and promissory note to a government sponsored enterprise several months after the closing and therefore no longer owns the debt. Id. at 1-2. It then goes on to state that
Pursuant to the Defendant's Liability for Failure to Comply with any provision of Section 6 RESPA (24 CFR 3500.21) and the terms of the note involving mortgage servicing transfers:
During Discovery, the Plaintiff will request the information including, but not limited to these items below, which will prove that the facts are clear and undisputable in favor of the Plaintiff. . . .
Compl. at 2 (emphasis original). What follows is a list of the information that would be sought during discovery, which includes certified copies of the mortgage and promissory note, the name of the government sponsored enterprise with whom the servicer was contracting, and various public filings. Id. at 2-3. The language quoted above is the only mention of RESPA in the entire Complaint.
Relation back is governed by Federal Rule of Civil Procedure 15(c), which states in pertinent part that "[a]n amendment to a pleading relates back to the date of the original pleading when . . . the amendment asserts a claim or defense that arose out of the conduct, transaction, or occurrence set out-or attempted to be set out-in the original pleading." Fed. R. Civ. Proc. 15(c)(1). "[A]n amendment that 'attempts to introduce a new legal theory based on facts different from those underlying the timely claims' does not relate back." Jones v. Bernanke, 557 F.3d 670, 674 (D.C. Cir. 2009) (quoting United States v. Hicks, 283 F.3d 380, 388 (D.C. Cir. 2002)). Nor does an amended claim that has some elements and facts in common with the original claim relate back if the "whole thrust of the amendments is to fault [the defendants] . . . for conduct different from that identified in the original complaint." Meijer, Inc. v. Biovail Corp., 533 F.3d 857, 866 (D.C. Cir. 2008). The Supreme Court has recently clarified that relation back is improper when the amended claim "asserts a new ground for relief supported by facts that differ in both time and type from those the original pleading set forth." Mayle v. Felix, 545 U.S. 644, 650 (2005). The key question is whether the defendant had reasonable notice of the new claim based on the original pleading. La. Wholesale Drug Co. v. Biovail Corp., 437 F. Supp. 2d 79, 87 (D.D.C. 2006).
Palmer argues that relation back is appropriate because her original Complaint stated a RESPA claim and the Amended Complaint merely elaborated upon that claim. See Opp'n at 7. On its face, the original Complaint does not appear to actually assert a RESPA claim. However, the Court must liberally construe the allegations in favor of Palmer because her Complaint was filed pro se. Brown v. District of Columbia, 514 F.3d 1279, 1283 (D.C. Cir. 2008). Under that liberal standard, the suggestion on page 2 of the Complaint that Homecomings had "liability for Failure to Comply with any provision of Section 6 RESPA (24 CFR 3500.21)" is sufficient to state a claim for a RESPA violation. However, the claim asserted is a violation of RESPA Section 6, 12 U.S.C. § 2605, relating to the servicing of mortgage loans, not a violation of RESPA Section 8, as asserted in the Amended Complaint. RESPA Section 6 requires mortgage lenders to disclose to loan applicants whether the servicing of the loan may be assigned, sold, or transferred to any other person at any time while the loan is outstanding and imposes specific notice requirements when such a transfer occurs. See 12 U.S.C. § 2605. Palmer's original Complaint therefore appears to charge that Homecomings failed to disclose to her either that her loan could be transferred or that it subsequently was transferred.
Careful scrutiny of the original Complaint reveals, however, that Palmer did not include any allegations pertaining to excessive fees or the arrangement between Homecomings and any mortgage broker. Indeed, the only statements that could plausibly be interpreted as pertaining to misrepresentations made at the closing are conclusory allegations embedded in the counts for the other listed causes of action. For example, in the "Breach of Contract" count, Palmer claims that "[t]he Bank had a legal obligation to the Owner to disclose information that may affect the Owner" and that "[t]he Bank breached that obligation by hiding critical information about the contracted transaction." Compl. at 8. In the "Constructive Fraud" count, Palmer claims that "[t]he Bank made a false representation(s) of material fact . . . ." Id. at 9. However, these allegations can only be logically interpreted as relating to the central thrust of the original Complaint-that Homecomings is not the legal owner of the debt and therefore cannot foreclose on it.
The "conduct, transaction, or occurrence" language of Rule 15(c) cannot be interpreted so broadly as to apply to all of the parties' actions regarding the refinancing agreement. See Mayle v. Felix, 545 U.S. at 660-64 (rejecting the view that an entire criminal trial could constitute a transaction or occurrence for the relation back of a habeas petition amendment). The RESPA claim asserted in the Amended Complaint "differs in both time and type" from the claims set forth in the original Complaint because it focuses on alleged agreements between Homecomings and the mortgage broker and fees that were imposed at the closing. The original Complaint focuses on a different set of facts and a different set of claims pertaining to the transfer of ownership of the loan after the closing. Homecomings could not have reasonably anticipated that a RESPA claim based on dealings with mortgage brokers would become part of the litigation based on the facts Palmer alleged in the Complaint. Accordingly, Palmer's RESPA claim does not relate back to the filing of her original Complaint and is time-barred. The Court shall therefore grant Homecomings' motion to dismiss Palmer's RESPA claim.
B. ECOA Statute of Limitations
Palmer's Third Amended Complaint raises, for the first time, a claim under the Equal Credit Opportunity Act. See Third Am. Compl. ¶¶ 35-46. The statute of limitations for claims under the ECOA is two years from the date of the occurrence of the violation. 15 U.S.C. § 1691e(f); Stovall v. Veneman, 394 F. Supp. 2d 21, 25 (D.D.C. 2005). Palmer alleges that Homecomings violated the ECOA by discriminating against her in the terms of the loan that she was offered. See Third Am. Compl. ¶¶ 37-46. Therefore, her cause of action under the ECOA accrued no later than April 2007, when she signed the loan documents. See Mills v. Equicredit Corp., 294 F. Supp. 2d 903, 909 (E.D. Mich. 2003) ("Any violation of the [ECOA] occurred on the dates that the Plaintiffs signed the loan agreements."). Palmer filed her Third Amended Complaint on July 9, 2009, more than two years after she obtained the loan.
Palmer contends that her ECOA claim is timely because it relates back to the filing of her Amended Complaint. See Opp'n at 4. As this Court noted in its June 25, 2009 Memorandum Opinion, the Amended Complaint states that Palmer brought her case pursuant to various statutes, including the ECOA. See Am. Compl. ¶ 2. However, Palmer failed to actually articulate any ECOA claim in the Amended Complaint. Accordingly, this Court required Palmer to clarify whether she actually intended to assert such a claim in her Amended Complaint. See [32] Memo. Op. at 14; [31] Order (June 25, 2009). Palmer subsequently filed a [34] Notice of Clarification indicating that Palmer intended to pursue her ECOA claim, and shortly thereafter filed her Third Amended Complaint explicitly containing that claim.
As with the RESPA claim, Homecomings contends that Palmer's ECOA claim does not relate back because it is not based on the same conduct, transaction, or occurrence as that alleged in the earlier pleading. See Def.'s Reply at 4. Unlike the original Complaint, however, the Amended Complaint filed in October 2008 states claims directly related to the refinancing transaction that underlies Palmer's ECOA claim. Specifically, the factual allegations in the Amended Complaint include the following:
24. Although [Palmer's] Credit Score was in excess of 700, she was given a loan with an interest rate in excess of 8.00 percent. This is well in excess of the normal rate for borrowers with her credit history.
25. In addition, Ms. Palmer was charged excessive fees for obtaining the loan.
31. As a result of the refinance transaction, Ms. Palmer went from having a reasonable mortgage payment to undertaking to pay an excessive amount.
32. GMAC and Homecomings Financial engaged in fraudulent or deceptive conduct in their dealings with Ms. Palmer, including, but not limited to . . . [f]unding the loan at an excessive lending rate.
Am. Compl. ¶¶ 24-25, 31-32. In addition, the Amended Complaint stated claims under RESPA, the Home Ownership and Equity Protection Act of 1994 ("HOEPA"), 15 U.S.C. §§ 1602 et seq., the Truth in Lending Act ("TILA"), 15 U.S.C. §§ 1601 et seq., and the Home Loan Protection Act of 2002, D.C. Code § 26-1151 et seq. The RESPA and HOEPA claims in particular focus on the conduct of Homecomings in negotiating the terms of the loan.
Palmer's ECOA claim in her Third Amended Complaint also incorporates additional allegations not found in the earlier Amended Complaint, namely that Homecomings' actions and policies were discriminatory on the basis of race and/or sex. But Palmer has essentially ascribed a different motive to the same set of facts. The facts essential to the ECOA claim are that Palmer, an African-American female, was charged a disproportionately high amount for a loan given her credit worthiness. Palmer's failure to plead that she is an African-American woman in her Amended Complaint does not change the transaction on which her ECOA claim is based. Unlike the original Complaint filed by Palmer, the Amended Complaint is based on Homecomings' conduct in negotiating the refinancing transaction, and Palmer's ECOA claim is also based on this conduct and transaction. Accordingly, it relates back under the standard set forth in Rule 15(c). Homecomings cannot plausibly claim it lacked notice of the ECOA claim given Palmer's explicit inclusion of the sentence-intentional or otherwise-stating that Palmer brought her case under several statutes including the Equal Credit Opportunity Act. Am. Compl. ¶ 2. Therefore, the ECOA claim alleged in the Third Amended Complaint relates back to the Amended Complaint and is not barred by the two-year statute of limitations.
C. Failure to State an ECOA Claim
Homecomings contends that Palmer's ECOA claim must be dismissed because the allegations in her Third Amended Complaint do not state a claim for relief under the statute and are too conclusory to show that her claim is plausible. See Def.'s Mem. at 6-8. Palmer disputes this and argues that she has properly pled a disparate impact claim under the ECOA.*fn2 See Opp'n at 5. The ECOA bars discrimination by creditors against any credit applicant "with respect to any aspect of a credit transaction . . . on the basis of race, color, religion, national origin, sex or marital status." 15 U.S.C. § 1691(a). There appears to be agreement among the federal courts that disparate impact claims are permissible under the ECOA. See Barrett v. H & R Block, Inc., Civ. Action No.08-10157-RWZ, 2009 WL 2476526, at *2 (D. Mass. Feb. 6, 2009) ("Although the First Circuit has not decided whether disparate impact claims are permissible under the ECOA, the circuit courts and many district courts that have decided the issue have uniformly concluded that they are."); see also A.B. & S. Auto Serv., Inc. v. S. Shore Bank of Chicago, 962 F. Supp. 1056, 1060 (N.D. Ill. 1997) ("A credit applicant can prove discrimination under the ECOA by using any one of the following three different approaches used in the employment discrimination context: 1) direct evidence of discrimination; 2) disparate impact analysis, also called the 'effects' test; or 3) disparate treatment analysis.") The D.C. Circuit has not yet expressed an opinion on this question, but it has assumed without deciding that disparate impact claims are cognizable under the ECOA. See Garcia v. Johanns, 444 F.3d 625, 633 & n.9 (D.C. Cir. 2006).
In Garcia, the D.C. Circuit said that a disparate impact claim "would require a plaintiff to 'identify a specific policy or practice which the defendant has used to discriminate and must also demonstrate with statistical evidence that the practice or policy has an adverse effect on the protected group.'" Id. at 633 (quoting Powell v. Am. Gen. Fin., Inc., 310 F. Supp. 2d 481, 487 (N.D.N.Y. 2004)). A plaintiff need not plead every element of a prima facie case of discrimination in order to survive a motion to dismiss. Howard v. Gutierrez, 571 F. Supp. 2d 145, 159 (D.D.C. 2008). However, the plaintiff must allege facts that, if true, would establish the elements of each claim. Id.
Palmer's disparate impact claim is first identified in paragraph 42 of her Third Amended Complaint:
Homecomings designed, disseminated, controlled, implemented and profited from the discriminatory policy and practice alleged herein (the discretionary pricing policy adopted by Defendant and clearly delineated above) which has had a disparate economic impact on an African American female homeowner compared to similarly-situated males and/or Caucasians.
Third Am. Compl. ¶ 42. Palmer goes on to allege that "[a]s a result of Homecomings['] discretionary pricing policy, Homecomings has collected disproportionately more in finance charges from an American American female homeowner than from similarly-situated male and/or Caucasian persons for reasons totally unrelated to credit risk." Id. ¶ 44. Although Palmer claims that the "discretionary pricing policy adopted by Defendant" is "clearly delineated above," it is not overwhelmingly clear what Palmer is referring to as the "discretionary pricing policy." Initially, Palmer's ECOA claim appears to focus on the fact that Palmer was charged "inflated fees" that she believes were the direct result of discrimination in the origination and servicing of the loan. See id. ¶¶ 37-40. Those allegations, however, do not specifically identify any policy or practice as the source of the discriminatory impact. However, Palmer does claim in paragraph 18 of her Third Amended Complaint that "Homecomings also has a policy or practice of not limiting or restricting the amount of the brokers' fees, and of not requiring that the brokers' fees bear any reasonable relationship to services provided to the consumer." Id. ¶ 18. Although Palmer's description of the policy is not very elaborate, it is sufficient at this stage in the proceedings to survive a motion to dismiss.*fn3
However, Palmer's disparate impact claim is deficient because it does not sufficiently plead a connection between the discretionary pricing policy and a disparate impact on a protected group. Most significantly, Palmer only alleges a disparate impact on herself. See Third Am. Compl. ¶¶ 42, 44. She does not actually allege that Homecomings' policies have had a discriminatory impact on a whole protected class, nor does she allege any facts relating to the discriminatory impact of such policies. At least one court in this District has dismissed a disparate impact claimwhere the plaintiff failed to allege any sort of statistical disparity. See Brady v. Livingood, 360 F. Supp. 2d 94, 100 (D.D.C. 2004) ("Common sense and fairness . . . dictate that a plaintiff, at a minimum, allege some statistical disparity, however elementary, in order for the defense to have any sense of the nature and scope of the allegation the plaintiff is seeking to prove.") Palmer's allegations simply do not amount to a claim of disparate impact under the ECOA.*fn4
Because it appears that the deficiency in Palmer's Third Amended Complaint may be technical, i.e., she failed to allege that other African-American females were adversely affected by the allegedly discriminatory policy, the Court shall afford Palmer an opportunity to cure the defect. Rather than immediately dismiss Palmer's ECOA claim, the Court shall hold in abeyance its ruling and allow Palmer to amend her pleadings to state a proper disparate impact claim under the ECOA if she has a good faith basis for doing so. The Court shall only grant leave for Palmer to amend her pleadings for this limited purpose, and this shall be Palmer's final opportunity to state her ECOA claim.
For the foregoing reasons, the Court shall GRANT IN PART Defendant's [38] Motion to Dismiss Plaintiff's Third Amended Complaint with respect to Plaintiff's RESPA claim and HOLD IN ABEYANCE IN PART its ruling with respect to Plaintiff's ECOA claim. The Court shall grant leave for Plaintiff to amend her pleadings to state a claim for disparate impact under the ECOA, and if Palmer fails to do so within the time set by the Court, the Court shall grant Defendant's motion to dismiss the ECOA claim. An appropriate Order accompanies this Memorandum Opinion.
Date: January 6, 2009
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|This is a discussion on Putting opponents on a range within the online poker forums, in the Cash Games section; This is one area I'm having a lot of trouble with. At the moment, when I have a tough decision, I can come to some kind
Putting opponents on a range
This is one area I'm having a lot of trouble with.
At the moment, when I have a tough decision, I can come to some kind of logical conclusion to whether I am behind or not by saying things like 'he wouldn't have bet there if he was holding *insert specific card here*'.
I never put an opponent on a range and feel this would be very beneficial to calculate equity against an entire range as oppose to the very black and white nature that I think in at the moment.
I've read many articles and books, but would love something really in depth to help me out, so any guidance would be appreciated.
To people on here that are good at putting people on ranges, what tips do you have?
I use a HUD and pokerstove, so a per flop range is simple enough, I am struggling with cutting ranges down following certain actions.
Thanks in advance!
always analyze hands, even if u r not involved. When you muck keep watching an try to guess what everyone has. Also figuring someones range is what it is, a range,so start eliminating what you know they do not have rather than pin pointing there exact hand. If you can start eliminating you can get a better cluster of possible hand your opponent has, then from there start deciding what you think your opponent will do in a particular spot with a particular hand. always analyze.
It is really all just deduction. Remember that tight regs are likely to have their stats match the ranges you apply in simulators, but other players will not fit readily into a mold. Always respect aggression unless you have a powerful hand, even if you think "they could have some bluffs, semi bluffs and marginal hands in their range." Your opponent will have a strong hand more often than seems likely if they betting. Example - last night I raised a limper with QQ in late position (we were both about 100bb). He flat called. The flop was ragged, bu may have contained a gut shot straight draw - I bet pot, he called, the turn looked safe, I bet pot, he called, the river looked safe as well - he shoved all in for a little over pot. Up until the river I thought he had a hand like top pair, a draw or a combination pair/ draw. His river shove left me with five possibillities - over pair, 2 pair, set, top pair, or bustd draw. - Overpairs are possible, especially KK or AA. Set is possible, but I suspect a raise on the flop or turn would be more likely. Top pair is unlikely because I think a check fold or check call is more likely with that hand. Busted draw? - maybe but I am not willing to stack off on a slim chance. So I think my opponents most likely hands are AA, KK, or a rivered 2 pair. I would fold to any of these hands, but the 2 pair seems the most likely to me. I could talk myself into thinking there are other weaker hands than QQ in his range but I would be lying to myself.
re: Poker & Putting opponents on a range
Betting patterns and notes are the best way to put villians on hands. Pay attention to how they bet certain hands and especially ones that are shown down.
The regs will play hands in different ways so you cant always put them on a specific range, but the good regs who mix their play are rare at lower limits.
Against weak opponents, we are sometimes forced to play our own hands as fish are often unpredictable and will play hands differently all the time. So in these cases we can often just look at our relative strenght and bet it accordingly or fold, check etc.
For example, some fish will simply call down with Aces and never raise at any point in the hand. when they showdown a set of Aces, were like "WTF"
you dont want to completely throw out ranges when dealing with random fish, but in my opinoin its more difficult to put them on hands sometimes as they play hands much different than normal.
As another has said in here, try to put your opponents on hands when not involved. Hand reading is a skill that can be learned whihc is good. With alittle practice you will get better. But most important take notes!
i habe to say that i learned quiet a lot watsching live training on intellipoker, but also by playing a lot of hands....normally i write down every hand i loose and try to find out if it was bad beat or if i could have seen his cards in his play before


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Stoya on the Pitfalls of Heteronormativity and Monogamy
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Originally Posted by
Totally agree. I don't believe I told you to do or not do anything. If I came across like that it was unintentional.
Glad to hear it. There are a few people on this forum who have taken the stance that no one should ever get married because it's patriarchal and unethical. I tend to lump those attitudes together, and I apologize for reading more into your post than you intended.
Maybe marriage is done differently in your part of the world. In the UK where I live, it's usual (there may be exceptions sometimes) for the father of the bride to 'give the bride away.' Sometimes another male relative performs the role if the father isn't available. I have been at at least one wedding where the bride walked up the aisle herself and 'gave herself away.' This is what I refer to.
Well my dad walked me down the aisle, but he didn't have any other role in the ceremony. I didn't think of it as him giving me away, I'd been an independent adult for 9 years by then. Again, I think it's all about perspective.
My vows also included having me his taxes done every year by April 15th, and him not feeling too imasculated when I got my PhD and started making more money than him. That part will probably never happen. Turns out I'm more academic and it's pretty hard to get that good of a job in Academia... he, meanwhile, is extremely successful in his career. But I digress.
Both parties usually (although I know there are exceptions) also pretend to make a commitment to each other that will last until one of them dies. It, of course, is pretense too. What they mean is that they will stay together unless one or both of them change their minds.
To me, commitment means that as long as we still love each other, we will do everything we can to work out any problems that arise. You can even help falling out of love, but like any aspect, it takes work.
But I can honestly stay I've never stopped loving anyone. There have been relationships that weren't worth saving so I let them go, but the feelings didn't just dissolve. There have also been times where I mistook infatuation for love, and that doesn't count. I'm reasonably certain that we're well past the infatuation stage...
The difficulty I have is that the pretense tends not to be stated explicitly. It kind of becomes like lying. People know it isn't true and that they don't mean it but they say it anyway because it's tradition/it's what everybody else does/it's part of the game (there are probably a ton of other reasons too).
Our province actually governs the exact wording of the vows, and you're not allowed to change them. You can add extra parts where you make your little speech, but if you want to get married in the province, you have to say the prescribed words.
I guess there's two kinds of pretense. There's pretense to the world, and pretense to each other. We discussed our relationship boundaries very extensively, and we knew exactly which parts of the pre-written government ceremony we agreed with and which parts we were just saying for convenience.
In my head, I snickered as I said that whole "you and only you" bit. We know what the boundaries were of our relationship, and we didn't feel the need to make a big hooplah about it.
To me, the commitment and promises are about what we say to one another every day and reinforce with our actions. The wedding is not the marriage. Standing up in front of our friends and family and repeating some words does not a marriage make, it just puts it down on paper. I have two good friends with what I would describe as the "perfect marriage," in that they communicate, cooperate, all that... they've both been previously married, so they know full well that marriage isn't permanent and doesn't really mean a thing if you don't put your money where your mouth is.
I'm not comfortable with making large promises that I don't mean and I'm not at all comfortable that other people are either - I don't feel that making promises while lying is generally a good way to treat each other. I suspect that generally it does more harm than good (although there are I'd guess a ton of exceptions).
I can understand what you're saying, but I think there's a difference between making a promise and saying some words. If both of you know you're just going through a speech for official purposes, then there's no pretense or lying. Lying means you actually intend the other person to believe your falsehoods. We consciously chose to view it as nothing but protocol. Our commitments to each other had been made long before, and the ceremony was just making them official.
The wedding was all about us. That some people heard me say some stuff that I didn't mean doesn't concern me. I didn't marry them. I married my husband, and he knows what I truly meant. I think that's what counts.
As I am sure any cat owner will be able to tell you,
someone else putting you in a box is
entirely different
from getting into a box yourself.
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NOTABLE GAMES: [what is this?]
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Get an overview of this hotelFengxian hotel in Zhelin
Located in Zhelin, this hotel is 15.7 mi (25.3 km) from Jinshan Beach and within 32 mi (52 km) of French Concession and Xintiandi. Shanghai Jiao Tong University and Dino Beach are also within 32 mi (52 km).
Hotel Features
This hotel has 7 floors.
Room Amenities
This hotel has 276 rooms.Information missing or incorrect? Tell us!Opens in a new window
Palm Beach Resort Shanghai
Hotel Amenities
Hotel Amenities
- Total number of rooms - 276
- Number of floors - 7
Hotel Policies
Check-in time starts at 14:00:00
Check-out time is 12:00:00
Payment types
Children and extra beds
- Children are welcome.
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Hotel Name
- Palm Beach Resort Shanghai
- Palm Beach Resort Shanghai Fengxian
- Palm Beach Shanghai
- Palm Beach Shanghai Fengxian


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A thin, light construction permits a no-nonsense, no-headache frame to keep you going from dawn til dusk. Featuring a slightly horned temple, keyhole bridge, and rounded silhouette, the Saint Malo ensure a relaxed fit and laid back demeanor. Now featuring a Sun lens from Optics By Carl Zeiss, this ultralight frame is a perfect addition to your Raen collection.


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kattt123 Review
Small desk
Bought this for my son in college. His space was limited to one room & this desk was perfect! He now has his own apartment & he still uses this desk :-)
- How did the color on site compare with the actual product? Perfect
- Please tell us about the quality of the product. Perfect
- How accurate was the on site description of the product? Perfect
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News By Tag
* Dance Show Miami
* Miami Ballroom Dance
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Industry News
Arabian Nights - Miami begins the series of shows by local dance organization My Ballroom Lessons
Ballroom Dancing school, My Ballroom Lessons Inc announced the start of the Dance Show series in Miami, FL with the theme "Arabian Nights" inspired by percussion and romantic dances
For video promo visit http://www.youtube.com/
The Mission
Founder and professional Ballroom Dancer, Eugenia Spotar stated "The goal of our dance shows is to encourage more dancing and quality entertainment the everyone, no matter the dance experience" For the most part, this show will highlight a series of dance styles commonly know to ballroom aficionados as "Rumba", "Cha, cha, cha" "Swing", and "Fox trot". Dancers gathered for this event are professional performers who regularly headline in several national shows with respected dance organizations. Ms. Spotar, originally from Russia, also mentions that this show includes the participation of aspiring dancers, amateurs. "We want everybody to get on the dance floor, no matter how old you are or how much dancing you know. We can teach you" states Ms. Spotar explaining the purpose of the company's activities are design to be inclusive rather than exclusive to the common individual
The Show will take place at 6:30 pm on Sunday, February 23rd at Best of Times Dance Studio located on 6255 SW 8th Street Miami, Florida 33144. Tickets are sold online at discount and at the door at regular price. For additional details visit the company's website or call 305-814-6851.
My Ballroom Lessons Inc, is a dance instruction company composed of a team of dancers in association with several dance studios and dance talent in covering Dade County, Broward and the keys. The company offers ballroom dance lessons for all levels including the option for dance showcases as well competition training for amateurs and professionals. Founded by Eugenia Spotar in 2010, My Ballroom Lessons also offers Wedding dance, Quinceañera (Sweet Sixteen) choreography and special event performances. Described as a "mobile" dance company, dance instructors teach at multiple studios as well a student's residences upon request.
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James Martin
486 Ridgedale Ln Deatsville, Alabama 36022(334) 290-2049
Print | Save | Directions
AboutJames Martin is located at the address 486 Ridgedale Ln in Deatsville, Alabama 36022. They can be contacted via phone at (334) 290-2049 for pricing, hours and directions.
James Martin has an annual sales volume of 501K - 999,999. .
For maps and directions to James Martin view the map to the right. For reviews of James Martin see below.
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December 8, 2011
LAWRENCE CYPRIAN, PLAINTIFF,v.DERRICK GIVENS, ET AL., DEFENDANTS.
Plaintiff is a state prisoner proceeding pro se with a civil rights action pursuant to 42 U.S.C. § 1983. Plaintiff has filed a motion for reconsideration of this court's July 22, 2011 order adopting in full findings and recommendations filed by the magistrate judge on June 8, 2011 and granting defendant Newman's December 7, 2010 motion for summary judgment.
The court granted defendant Newman's motion for summary judgment on the grounds that (1) defendant Newman was a private attorney appointed to represent plaintiff in state criminal proceedings and there was no evidence that defendant Newman conspired with any state actor to deprive plaintiff of his constitutional rights; and (2) the jury at plaintiff's criminal trial deadlocked 9-3 in favor of acquittal and the charges were subsequently dismissed. Plaintiff seeks reconsideration on the ground that he should have been given an opportunity to conduct discovery principally to uncover evidence of a possible conspiracy between defendant Newman and other state actors. Plaintiff also raises arguments concerning defendant Newman's decision not to have a second handwriting expert examine a note that led to the discovery of the weapon and the criminal charges against plaintiff, which plaintiff contends was written by defendant Givens.
As noted above, the charges against plaintiff were dismissed after the jury deadlocked 9-3 in favor of acquittal. Plaintiff did not suffer any cognizable harm as a result of any act or omission by defendant Newman, and he has not shown any basis for reconsideration of the grant of summary judgment in defendant Newman's favor. Cf. Fed. R. Civ. P. 60(b); Local Rule 230(j) (E.D.Cal.).
For the foregoing reasons, IT IS HEREBY ORDERED that plaintiff's August 11, 2011 motion for reconsideration is denied.
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Airshow Oosrwold, with 20.000 visitors, 39 planes in action in the north of Netherland.
Later afternoon in May, a wide sliver of the horizon of the Southern edge of town.
There is some controversy about committing more land to this use; baynature.org/articles/tesla-offroad-expansion-park-or-both /
A popular destination for off road vehicle use. ohv.parks.ca.gov/?page_id=1172
An existing off road vehicle park called Carnegie had the State purchase 3,000 acres for expansion. Some of the land is best suited for a pedestrian park and many would like to see the land protected for that use; baynature.org/articles/tesla-offroad-expansion-park-or-both / This photo shows ORV impacts in s...
Sant Feliu de Llobregat, Spain (Aire Restaurant) www.airerestaurant.com /
Manually taken - handheld camera, no mono/tripod The Fossar de les Moreres (Catalan pronunciation: [fuˈsa ðə ɫəz muˈɾeɾəs]) is a memorial square in Barcelona (Catalonia, Spain), adjacent to the basilica of Santa Maria del Mar. The plaza was built over a cemetery where defenders of the city were buried follo...
Manually taken - handheld camera, no mono/tripod Santa Maria del Mar (Catalan pronunciation: [ˈsantə məˈɾi.ə ðəɫ ˈmar]) is an imposing church in the Ribera district of Barcelona, Spain, built between 1329 and 1383 at the height of Catalonia's maritime and mercantile preeminence. It is an outstanding exampl...


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Platinum engagement ring with a 1.69 center old European cut diamond SI1 clarity H color and ten side old European/Mine cut diamonds at 0.20 carat total weight SI1 clarity H color, circa 1920-30. Size 6. Appraised at $19,342.
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Super machine
By Justs
from Undisclosed
Comments about Dyson Animal Canister Vacuum:
I have had this machine for about a month and I love how easy it is to maneuver around objects . It gets under most furniture that my upright can't reach. I highly recommend this machine!
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
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By RJH33414
this is my favorite one ,this easy to maneuver and very powerful. When I have to help my Wife this is my choose.
Best Darn Vacuum EVER!
By TJgibby
I love the Animal, for one she picks up every cat hair ever & works on hardwood, carpet and tile without issue. The color is awesome, never have a problem locating the animal, look for the purple cat hair eating machine. Great suction power and always starts right up without problems. Moves gracefully across the floor & the cord retractor still holds enough power to reel in even the most stubborn cords! Great machine, not too loud, but just right
By unsatisified15
I hate this vacuum. It does not move easily. I feel like I'm yanking on it constantly in order to move around the room. The hose is not long at all so you can't even vacuum the stairs without holding the canister, which is heavy. The suction is pretty good, so good you can barely move the vacuum forward and backward. I have some stone flooring and the plastic on the bottom of the head can't handle the different levels and just gets scratched. I have hardwoods throughout with low-pile rugs and it still can't do the job well. Just an awful design overall.
Bottom Line No, I would not recommend this to a friend
Thanks, Mr. Dyson
By only1
Everything from the operating instructions to the ease of emptying the bin and the way it just follows you around. What a great little machine. I actually enjoy cleaning the house now and I can get things so much cleaner and get into previously hard-to-get-at places. Thanks for going to all the trouble of inventing it, Mr. Dyson. I appreciate it so much.
I LOVE this vacuum!
By CTMum
This is my first Dyson and I will never buy another brand! The experience of opening the packaging and putting the unit together was simple, elegant and fun. It's light, has an intuative design and cleans my floors like no other vacuum I've ever owned before. Well worth the money!
Excellent vacuum and top customer service
By RussellyMcRussellFace
This vacuum really sucks. In a great way. Has lasted a couple of years already with nothing breaking or reducing in function but recently a catch on the bowl snapped off. After contacting customer support, they was a very quick and uncomplicated process before a replacement part was sent out to me. It is this level of exceptional customer service that will encourage me to buy from Dyson again and again.
This machine has been ...
By 2SamoyedsClean
This machine has been pulling Samoyed hairs out of my carpet now for 5 years. We bought it to replace a Dyson upright, and were very happy with the results. It has been a reliable machine, working just as well today as it did the day we bought it. Pros: easy to pull around behind you, can be used by children and adults alike with an easy adjustment to the length of the handle, and does a good job at picking up fur. Cons: will tip over going around corners or turning around quickly and must be righted, can be messy when emptying the canister (nothing a dustpan can't handle), and does collect a lot of fur in the bristles of the vacuum head (nothing consistent cleaning can't handle). If you're looking for a vacuum that handles pet hair for years... this one does it.
Great vacuum...wouldn't own a dog without it!
By madre
Love this machine! No complaints.
Love it
By Dawndmm125sx
I love this machine i have others and every 2 yrs i would have to buy a new vacume. This machine is powerful never have a problem with loss of suction, the whole machine comes apart so you can wash it. Never have top buy filters, and replacement parts are inexpensive. There is a great product
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Kidsville at the Parthenon Volunteer
36.145588, -86.81128)
Cause Areas
WhenIt's flexible! We'll work with your schedule.
Where2500 West End AvenueNashville, TN 37203
Musicians Corner and The Conservancy for the Parthenon and Centennial Park are expanding their Kidsville offerings. There is now Kidsville programming every Saturday from 11 AM - 11:45 PM inside the Parthenon in Centennial Park. Kidsville volunteers will guide children through various crafts and activities on each date. Every Saturday volunteers will be needed from 9:15 AM - 12:30 PM. Volunteers wil receive payment for their time upon submitting an invoice.
- Child Development
- Drawing
- Child Care
- Painting
- Visual Arts
- Music Arts
Good Match For
Requirements & Commitment
- Must be at least 14
- Sat: 9:15AM-12:30PM


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Friday, December 02, 2016AVI-SPL Acquires Anderson Audio VisualPSW Staff 12/02/16 01:49 PM,AVI-SPL announces the acquisition of Anderson Audio Visual ("Anderson"). Anderson's regional capabilities will strengthen AVI-SPL's presence in high growth markets and expand AVI-SPL's global support and services platform to current and prospective customers. Headquartered in San Diego, CA, Anderson has six locations (four in California, one in Texas, and one in North Carolina). Ranked as the industry's 17th largest revenue generator in 2015, Anderson has earned the trust of some of today's marquee organizations, including several highly recognized technology companies.… View this post
Filed in: AV • News • AV • Business
SIR Audio Tools Releases SpectrumAnalyzerPSW Staff 12/02/16 01:21 PM,SIR Audio Tools announces the release of SpectrumAnalyzer, a spectrum analyzer plugin which displays the spectral content of your audio material, helping you create a better mix. SpectrumAnalyzer comes in two editions, a free and a full version. SpectrumAnalyzer is available for 32- and 64-bit Mac OS X and Windows in Audio Unit, AAX, VST and VST3 plugin formats. It has a FFT (Fast-Fourier-Transform) and an analog-style (parallel band-pass IIR filter) engine, both of which can run simultaneously. Intelligent peak-detection… View this post
Filed in: AV • News • Product • AV • Digital • Digital Audio Workstations • Software • Sound Reinforcement • Stage • Studio
SoundGirls.org Hosting Upcoming Slate Of Workshops At Rat Sound In December & JanuaryPSW Staff 12/02/16 12:45 PM,SoundGirls.Org has announced a series of educational workshops to be held this month (December) and next (January 2017) at Rat Sound Systems in Camarillo, CA. All workshops will be led by top A-1 engineer/systems tech Ivan Ortiz of Rat Sound. First up, on Saturday, December 10, is Best Practices For "Throw & Go" FOH And MON. Topics to be covered include: —Venue limitations (stage dims, proximity effect, house gear)—Priority in dialing in a mix—Foldback mixing—Microphone selection and placement—File storage—Digital console… View this post
Filed in: Live Sound • Church Sound • News • Training • AV • Education • Engineer • Monitoring • Sound Reinforcement • Technician • Wireless
Connect Corner: In & OutPat Brown 12/02/16 11:12 AM,It's all about inputs and outputs (I/O). How do I get an audio signal from one to the other? The ongoing evolution of professional audio has produced a number of viable digital interfaces to complement legacy analog I/O practices. The choices may seem confusing at first, but when you break them down the strengths and weakness of each become apparent. In this overview, I will start with analog since it is familiar to most readers and serves as a… View this post
Filed in: AV • Feature • Study Hall • Training • Analog • AV • Digital • Education • Engineer • Ethernet • Installation • Interconnect • Measurement • Processor • Signal • System • Technician
NSCA Now Accepting Applications For Excellence In Business AwardsPSW Staff 12/02/16 09:38 AM,Systems integrators are encouraged to apply for NSCA's 2017 Excellence in Business Awards. Submissions will be accepted through Jan. 20, 2017. Winners will receive reduced admission to NSCA's 19th annual Business & Leadership Conference ($999 as opposed to $1,499), as well as recognition throughout the year in various NSCA and industry publications. Companies with solid business sense and creative tactics continually beat their competitors to the finish line – whether it's through successful strategies in fiscal responsibility, marketing, training, or… View this post
Filed in: AV • News • AV • Business
Thursday, December 01, 2016Shure Adds VHF Frequency Bands ULX-D And QLX-D Digital Wireless SystemsPSW Staff 12/01/16 03:27 PM,Shure has announced that its ULX-D digital wireless system and related accessories in the VHF frequency band are available now, with the QLX-D digital wireless system following early next year. These VHF options provide users with 42 MHz of tuning bandwidth in spectrum that is as predictable and as usable as today's UHF TV band. As the spectrum landscape evolves, Shure continues to serve as an industry advocate and information resource, and aims to provide users with new options that… View this post
Filed in: AV • News • Product • AV • Digital • Installation • Manufacturer • Microphone • Networking • Sound Reinforcement • Stage • Wireless
Cairo Jazz Club Equipped With L-AcousticsPSW Staff 12/01/16 01:11 PM,For over a decade, Cairo Jazz Club has been attracting artists, both home-grown and international, and helping to launch new talent. As such, it has been instrumental in the evolution of Cairo's independent music scene. In July this year, it closed its doors for its annual renovations, re-opening with a fresh look and brand new L-Acoustics loudspeakers. The new system, which comprises a combination of L-Acoustics ARCS Wide and X Series loudspeakers, was designed and installed by Heliopolis-based Audio Technology,… View this post
Filed in: AV • News • AV • Business • Installation • Line Array • Loudspeaker • Sound Reinforcement • Stage • Subwoofer
API Appoints Budee Distributor For ChinaPSW Staff 12/01/16 09:56 AM,API announces their partnership with Chinese distributor Beijing Pacific Budee Technology Development effective November 1, 2016. Budee was established in 2002 as an audio and video solutions company. The business focuses on music performances, AV integration, audio production, radio, television, fixed installation, consumer electronics, musical instruments and equipment and more. Budee's product line will now include the analog sound of API. "API has a fantastic reputation for building high end consoles and other audio products," says Budee director of Strategic… View this post
Filed in: AV • News • AV • Business
Taiga Beirut Opens With K-arrayPSW Staff 12/01/16 09:15 AM,Taiga Beirut recently opened its doors in Sodeco, Beirut at the end of Summer 2016. Known for its unique blend of Arabic and English pop music, live solo performances and a lineup of DJs, the nightclub is set to entertain the crowds who have followed its success since its opening its first location in Batroun in 2000. Taiga Beirut approached Prolites for the supply of its light, audio and video systems. They turned to K-array and used the Italian manufacturer's… View this post
Filed in: AV • News • AV • Installation • Line Array • Loudspeaker • Sound Reinforcement • Stage • Subwoofer
Spotlight: An Eye On DICraig Leerman 12/01/16 08:05 AM,In its most basic form, a DI – also known as a direct box and short for "direct injection" and/or "direct insert" – takes an unbalanced high-impedance signal (i.e., from an electric guitar or keyboard) and converts it to a balanced low-impedance signal. This process is needed when running high-impedance signal at long distances, such as down a snake to a front of house console. Unconverted, the unbalanced signal can pick up noise; also, sending high-impedance signal at longer distances… View this post
Filed in: AV • Feature • Product • AV • Interconnect • Signal • Sound Reinforcement • Stage • Studio


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Mace Graduate Development Programme
At Mace you have the opportunity to join our adventure and make a positive difference for future generations. Whatever direction you choose - whether you're a project manager in our health team delivering critical hospital care units, a cost consultant in our education team delivering schools to inspire our future leaders, a construction manager as part of our mixed-use development team delivering iconic stadiums or an engineer working on infrastructure that help get cities moving – we have an opportunity that will bring out a new you!
The programme
The Mace two-year graduate development programme offers you the chance to specialise in a specific role within the company. Through structured training and working relationships with colleagues you will also have the opportunity to learn about our work across a variety of disciplines that cross the entire property life cycle.
Graduates that join our programme gain exposure to the variety of services offered to our clients and take on responsibility in real, live project environments. You will work alongside industry leading professionals at Mace and many prestigious and high-profile clients. Our comprehensive two-year development programme includes:
- A two-day formal induction
- Classroom and virtual sessions covering technical skills in the construction life cycle and key business skills including presentation and leadership skills.
- Interactive group projects using live case studies
- Guidance and support in order to progress towards professional chartership status with industry bodies. Our development programme is recognised by the following industry bodies: the Chartered Institute of Building (CIOB), Institute of Civil Engineers (ICE) and Royal Institution of Chartered Surveyors (RICS). Support towards CIBSE, IChemE and BIFM is also supported.
- Networking opportunities with senior managers and peers
- One-to-one support from line managers, mentors, recent graduates and chartership advisors.
Our expectation is that graduates achieve a promotion within their first two years. Promotions and discretionary bonuses are earned on merit in relation to how graduates perform in their operational role and their engagement with the core programme of training and development. Graduates who apply themselves across all areas to a high standard are recognised and rewarded.
We are currently recruiting for:
- Construction Management – London & South of England
- Design Management – London & South of England
- Project Management Consultancy – Nationwide
- Biopharm - Project Management Consultancy – Nationwide
- Quantity Surveying (Commercial Management) – London
- Quantity Surveying (Cost Consultancy) – Nationwide
- Facilities Management – Nationwide
- Civil Engineering for Project Management – Highways – Nationwide
Entry Requirements
- Obtained/predicted 2.1 or higher in a construction related degree.
- 240 UCAS points achieved from 3 A Levels (excluding general studies)
- Grade C or above for Maths and English GCSE
- Evidence of having undertaken challenging work experience and/or substantial extra-curricular activity
How to apply
Apply via our website below.
Offers are being made on a rolling basis and we will close applications when the vacancies are filled. We would encourage you to apply by early November to be considered for our early interviews and assessment centres which take place before the busy exam period.
Application Deadline: Friday 16th December 2016
Remember to mention TARGETjobs when contacting employers!


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Zoom in on images of the latest designer watches and luxury jewellery, plus unique wedding bands, unusual engagement rings, celebrities and more.
The small Duoplan movement and later the Calibre 101 allowed Jaeger-LeCoultre to develop a wide range of women's watches in the first quarter of the 20th century such as these 'tuille' or roof tile watches popular in the 1930's.
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• Grindle plaid flannel shirt. Taffeta interior back yoke. Chest pockets with flaps. Dish buttons. Good Luck pin on collar. LMC woven label branding. 100% cotton
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