text:
00 Kimball Hill Road Hillsborough, NH 03244
Listed by Linda Fish-Brown of Equine Homes Real Estate, Llc
Call Four Seasons Sotheby's International Realty Real Estate for more information.
Lot Size: 20.4 acres
Price/Acre: $7,083
Property Description
High,private,stunning panoramic views;20.4 ac;open fields;woodlands;dead end road;no further division;height restrictions for residence;add'l land availabe;Historic Hillsborough Center locale;unparalled scenery
- Property Type: Land
- Zoning: RURAL
- Acreage: 20.4
- Lot description: Agricultural, Alternative Lots Avail, Country Setting, Farm - Horse/Animal, Field/Pasture, Hilly, Level, Mountain View, Open, Recreational, Secluded, Sloping, View, Wooded
- State: NH
- Street: Kimball Hill Road
- Building Number:
- Development/Subdivision: 0
- Zip Code: 03244
- County: NH-Hillsborough
- Town: Hillsborough
- Area Description: Rural
- Elementary School:
- Junior High:
- High School:
- Water: On-Site Well Needed
- Sewer: On-Site Septic Needed, Soil Test Available
- Electric: None
- Services:
- Land Restrictions: Architecture, Further Subdivision
- Taxes: $0
The New England Real Estate Network provides Multiple Listing Services (MLS) in the States of New Hampshire, Vermont, Massachusetts and Maine.
Copyright© 2016 The New England Real Estate Network. All rights reserved. This information is deemed reliable but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of NEREN. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 12/04/2016.


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Beth Malloy keeps her freezer stocked with sausage and okra so that she can assemble this spicy rice dish whenever she has leftover cooked rice. Use a prepared Cajun spice blend or mix 3/4 to 1 teaspoon cayenne, 1 teaspoon paprika, and 1/2 teaspoon salt.
Makes 4 servings
+ Add To Shopping List
1 tablespoon vegetable oil
8 ounces andouille or other cooked spicy sausage, diced (about 1/4 in.)
1 onion (8 oz.), peeled and chopped
1 teaspoon minced garlic
10 ounce frozen sliced okra, thawed
4 cups cooked long-grain white rice
1 tablespoon Cajun spice blend (see notes)
1. Pour oil into a 12-inch frying pan or a 14-inch wok over medium-high heat. When hot, add sausage and stir often until slightly browned, 1 to 2 minutes. Add onion, garlic, and okra; stir often until onion is limp, about 5 minutes.
2. Gently mix in rice and Cajun spice blend; stir occasionally until the rice is hot and golden and the okra is tender, about 5 minutes. Pour into a serving bowl.
Created date
August 2004
Nutritional Information
Calories 462
Caloriesfromfat 39 %
Protein 14 g
Fat 20 g
Satfat 6.2 g
Carbohydrate 57 g
Fiber 3.7 g
Sodium 1247 mg
Cholesterol 38 mg

subset: commoncrawl


text:
Re: Craft and Relic is slated to turn the Milwaukee County Sports Complex, Milwaukee, Wis. into an upcyling, DIYer's dream, Nov. 14-15, 2015.
Antique Shows
Ohio Country returning to Wilmington Oct. 24
The Ohio Country Antique Show will mark its 11th season of semi-annual sales on Saturday, Oct. 24
NJ show presents four centuries' worth of fine art and design
The room-setting design of the Morristown Armory Antiques Show, Oct. 31-Nov. 1, is sure to create an ideal setting for exploring the fine and decorative art, antique and vintage furniture, and other antiques and collectibles to be displayed by 100 dealers.
NJ village gears up for annual festival
The Mullica Hill Merchants of New Jersey are gearing up for the 46th annual Fall Festival, Oct. 10-11.
National Civil War Show & Sale set for Sept. 19
The National Civil War Show & Sale is back, and it will host more than 200 dealers with a variety of Civil War artifacts Saturday, Sept. 19 at the DuPage County Fairgrounds in Wheaton, Ill.
Junk Bonanza returns to Shakopee, Minn., Sept. 24-26
Junk Bonanza Vintage Market returns to Shakopee, Minn. Sept. 24-26, featuring more than 150 juried vendors and several free, hands-on workshops and presentations.
International Congress of Iron Collectors convening in United States for first time
The International Congress of Iron Collectors will converge on Newton, N.J., Sept. 3-6 for its annual gathering. This marks the first time the group has met in the U.S.
Delaware Coast Show moving into Rehoboth Beach Sept. 11-13
A select group of 35 dealers will participate in the Delaware Coast Antiques Show & Sale, in Rehoboth Beach, Del., Sept. 11-13.
All-Night Flea Market to feature special celebrity guests
What could be better than a flea market with hundreds of dealers and thousands of antiques and collectibles? How about a market held at night that includes the opportunity to meet stars of the iconic Addams Family television show? That's what Bob Zurko and team are preparing for the 39th Annual Zurko's All-Night Flea...
34th Annual Radiofest tunes in July 31-Aug 2
The 34th annual Radiofest will turn things up in July 31-Aug 2, 2015 in Burr Ridge, Ill.


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n Acta Criminologica: Southern African Journal of Criminology - Motives for intra-familial murders within the South African Indian community
|Article Title
|Motives for intra-familial murders within the South African Indian community
|© Publisher:
|Criminological and Victimological Society of Southern Africa (CRIMSA)
|Acta Criminologica: Southern African Journal of Criminology
|1 University of South Africa
|Publication Date
|Jan 2015
|73 - 83
|Special Edition 4
|Domestic violence, Gender-based violence, Indian diaspora and Intra-familial murder
|Persistent Link
This article is motivated by an increase in intra-familial murders and the fact that intra-familial murder within the Indian community has not received much scholarly attention in South Africa compared to sensational journalism. The author notes a gap in the literature on why intra-familial murders are committed within the South African Indian community. The purpose of this study is to analyse the incidents of intra-familial murders committed by people of Indian origin in South Africa, so that motives for the killings may be determined and appropriate social interventions could be found. A focus on the motivating factors is crucial in finding appropriate social interventions to reduce this type of murders in the South African Indian community. The author has, qualitatively, using the case study design obtained data and the views of psychologists and social workers from the media on intra-familial murders in the Indian community. In addition, purposive interviews with criminal investigators and social workers were conducted on the investigation process followed in cases of this nature. All the collected data was descriptively analysed by identifying and categorising the data into themes, categories and storylines. This allowed for an in-depth, open (transparent) and detailed study of categories of information as they emerged from the data. It became clear from the cases reported in the media and the purposive interviews with investigators and social workers that the motives for intra-familial murders within the Indian community include jealousy, greed, revenge, spontaneous aggression and abnormality of mind, arising from existential circumstances such as poor socio-economic conditions, anger and provocation, mental illness, as well as dysfunctional romantic and marital relationships.
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Some of my family do not like kidney beans, so I use refried beans instead. It makes my chili thick and very good.
By Roberta G. from Chesterfield, MI
That is a great idea! I will definitely try it next time I make chili.
Interesting, I am going to try this too!
Add your voice! Click below to comment. ThriftyFun is powered by your wisdom!


text:
The typical asking rate per listing is in the $20's per square foot per year. The Downtown Bismarck region is experiencing a decrease in rates. In the last 3 months, the median rate fell $2 per sqft per year. That's a 7% decrease in rent.
In the last 90 days, 16 listings have been posted online, which means new availabilities are probably going fast. You'll want to be prepared to make an offer immediately. About 6% of the listings in the Downtown Bismarck are subleases, so you will probably need to consider the implications of signing a direct lease with the building. There aren't many listings below 2,000 square feet available, so finding a space for a small business might be tough.
The standard measurement for office space in this area is around 1,060 sqft. Most buildings in this market are close to 3 floors. Most buildings in this market were built in 1956 and are Class A.
Not much of the real estate is used for commercial space, so it might be hard to find office space. Wholesale trade is the dominant industry in this area. Commute by taxi is the most popular way to get to work amongst Downtown Bismarck occupants. Commuting under 5 minutes a day is the norm for those who opt to reside in this part of town.
Trends and status of the commercial real estate market in Downtown Bismarck.
Market Report
Real time and historical data on commercial real estate listings in Downtown Bismarck.


text:
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March 10, 1941
EPSTEINv.GOLDSTEIN ET AL.
Appeal from the District Court of the United States for the Southern District of New York.
Before SWAN, AUGUSTUS N. HAND, and CHASE, Circuit Judges.
SWAN, Circuit Judge.
The original judgment in this suit was before the court on a prior appeal. We remanded the cause with instructions to modify the judgment in accordance with our opinion, which is reported in 2 Cir., 107 F.2d 755, 758. The present appeal brings up the judgment entered upon our mandate, the appellant contending that in certain respects the mandate has not been obeyed.
Among the transactions which the appellant's suit attacked as fraudulent was a transfer into the name of the bankrupt's wife of a stock brokerage account formerly carried in the bankrupt's own name. Upon the trial the plaintiff prevailed and judgment was entered requiring the bankrupt and his wife to execute instruments authorizing the stockbrokers to transfer to the trustee in bankruptcy all shares of stock standing in the name of the wife. The most valuable item carried in the account was 500 shares of Sears Roebuck stock which Mrs. Goldstein owned and had loaned to her husband for use as collateral. On the prior appeal we reversed the judgment "in so far as it affects the Sears Roebuck stock." While that appeal was pending the parties stipulated that the brokers should sell all the stock carried in the account and should pay over to the trustee in bankruptcy the net proceeds of sale, after deducting the debit balance owing to the brokers, to be held by him until final disposition of the appeal. Such sale produced $42,912.11, of which $35,529.28 was derived from the Sears Roebuck stock and $7,382.83 from other stocks; and after deducting the debit balance owing to them, the brokers paid over $20,855.60 to the trustee in bankruptcy. The judgment entered upon our mandate directs the trustee to pay this sum to Mrs. Goldstein. The appellant contends that he should be allowed to retain $7,382.83, representing the proceeds of the shares owned by the bankrupt. In other words, he maintains that the debt to the brokers should be paid wholly out of the proceeds of the Sears Roebuck stock.
This claim is based on the highly technical argument that the original judgment as modified on appeal, ordered all shares except the Sears Roebuck stock to be transferred to the trustee, and, since the bankrupt's shares have been sold, it follows that the proceeds obtained by their sale must be turned over without deduction, as no lesser sum will satisfy the mandate. But the modified judgment did not purport to affect the brokers' lien upon stock carried in the account, or to determine the source from which they should obtain payment of the debit balance. Hence payment in accordance with settled legal principles cannot be disobedience of our mandate. The husband was operating the brokerage account in his wife's name for his own benefit. As between husband and wife he was the primary debtor; and the wife in depositing collateral to secure his account was a surety. Gahn v. Niemcewicz's Ex'rs, 11 Wend., N.Y., 312; Rutherford Nat. Bank v. Manniello, 240 App.Div. 506, 271 N.Y.S. 69, affirmed 266 N.Y. 568, 195 N.E. 203. As such she had the right to have the husband's shares exhausted for payment of the debt to the brokers before resort could be had to her own. Vartie v. Underwood, 18 Barb., N.Y., 561; Wright v. Austin, 56 Barb., N.Y., 13; Smith v. First National Bank, 151 App.Div. 317, 135 N.Y.S. 985; Miner v. Goodbody, 113 N.J.Eq. 70, 166 A. 99; 37 A.L.R. 1263; see also Thomas v. Taggart, 209 U.S. 385, 389, 28 S. Ct. 519, 52 L. Ed. 845. To require her stock to bear the entire debt would be the same as to appropriate part of her shares for the benefit of her husband's creditor Northeastern, which is just what our prior opinion stated could not be done. There is no error in paragraph 4 of the judgment before us.
The appellant complains also of paragraph 5 of the judgment. This requires an accounting by the bankrupt which is said to be more favorable to him than a corresponding provision in the original judgment as to which no modification was directed on the former appeal. The correction of this error, if it be one, would directly affect the bankrupt. As he is not a party to the appeal, we cannot consider it. This portion of the appeal must be dismissed. Davis v. Mercantile Trust Co., 152 U.S. 590, 14 S. Ct. 693, 38 L. Ed. 563.
Paragraph 4 of the judgment is affirmed; the appeal as to paragraph 5 is dismissed. Appellate costs are awarded to the appellee.
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text:
• Toxic epidermal necrolysis (TEN) is a syndrome that may develop from a number of different stimuli, including drug administration, staphylococcal infection, vaccine administration, and blood dyscrasias. A 29-year-old woman developed TEN from the systemic administration of thiabendazole. Although various cutaneous adverse reactions have been attributed to the administration of this medication, this is the first case to indicate that orally administered thiabendazole may also produce TEN. Although acutely ill at the time of hospitalization, the patient showed a prompt response to treatment with prednisone.
(Arch Dermatol 112:1757-1760, 1976)
Robinson HM, Samorodin CS. Thiabendazole-Induced Toxic Epidermal Necrolysis. Arch Dermatol. 1976;112(12):1757-1760. doi:10.1001/archderm.1976.01630370045011
© 2016


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Details of this Paper
Let me know how much it will cost
Please help with the attached files. Let me know how much it will cost. Thanks!;Attachments Preview;PSY201_r4_Week_Nine_Social_Psychology_Paper_Grading_Guide.doc Download Attachment;Grading Guide: Social Psychology Paper;PSY/201 Version 4;Grading Guide;Social Psychology Paper;This assignment is due in Week Nine.;Content;60 Percent;Points Earned;X/5;Lists the factors that... Show more;PSY201_r4_Week_Nine_Social_Psychology_Paper_Scenario.doc Download Attachment;Social Psychology Paper Scenario;PSY/201 Version 4;University of Phoenix Material;Social Psychology Paper Scenario;Sarah;Sarah is a 15-year-old Caucasian girl who just started her sophomore year... Show more;Additional Requirements;Other Requirements: Must be in APA format. It is an essay, 750-1200 words.
Paper#24498 | Written in 18-Jul-2015Price : $24


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Upside down Christmas tree at SF's Westfield mall becomes...
CIA says Russia favored Trump
Pentagon buries evidence of $125 billion in bureaucratic waste
In the wake of the Ghost Ship fire, examining Oakland's...
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Sneak Peek of My New Book!Tuesday, October 11, 2011
My new book, Speak Now or Forever Hold Your Peace: Marketing Your Wedding Business in Today's World, comes out two weeks from today! You can get a sneak peek and read the introduction and the first chapter for free here.
Thank you from the bottom of my heart to everyone who has already pre-ordered their copy on Amazon. You all rock!


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Terraria online anti griefing mechanism
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Well me and my friend wanted to make a house on Terraria online but then i got kicked for spamming tiles? I thought to myself, "Oh it's probably nothing some bug perhaps, but then the same thing happened again after placing about 30-40 blocks in a short time. I think this is a very stupid way to get rid of griefers and spammers and think it should go in the next update. Can anyone give me some information as to if it is going in the next update or you can atleast modify the number of things being spammed?
Ashley Berry 11:25, June 19, 2011 (UTC)


text: Deadline : 5 Dec 2016 Director of Finance & IT – WaterAid Australia Executive opportunity with this high profile international NGO Based in East Melbourne with excellent public transport facilities Attractive remuneration, plus generous salary packaging WaterAid is an international NGO providing safe water, sanitation and hygiene to the world's poorest people. We have set a 2030 target for everyone, everywhere to have safe water, sanitation and hygiene, but to achieve this, we need you to help. We are currently seeking a Director of Finance & IT to play a vital role in our mission to transform lives of the world's poorest people. Reporting to the Chief Executive and being a vital part of WaterAid's senior leadership, you will lead a small and highly capable team across finance and IT to develop and implement a strategy for financial sustainability. As a key executive you will work to deliver on our ambitions as an organisation and also contribute to WaterAid's Global Strategy. With oversight of the risk management systems and policies and procedures you will also lead all compliance work including supporting the Finance, Audit & Risk Management Committee of the Board in the role of Company Secretary. Highly regarded as a values driven leader you have a proven track record in managing finance and support functions of an organisation and ideally hold a formal qualification such as CPA or CA. You consider your key strengths to be your relationship management and influencing skills and aren't afraid to work at both strategic and operational levels. Prior Company Secretary experience will be looked upon favourably as well as any experience with SUN systems and QuickBooks, but not essential. This is a great opportunity to help transform the lives of the world's poorest and most marginalised people by improving their access to safe water, sanitation and hygiene. WaterAid supports staff by providing flexible working arrangements, additional time off over the Christmas holidays, access to an Employee Assistance Program, travel recovery days, purchase leave options and most importantly a great team environment with supportive leadership. How to Apply: Please respond to the key selection criteria outlined in the position description. For any other information or to apply, please contact Zita McKenzie at firstname.lastname@example.com Applications close 5th December 2016. Please note: Due to the volume of applications that we receive, only shortlisted candidates will be contacted. WaterAid is a child safe organization. All employees are required to undergo a National Police Check, a Working with Children Check where necessary, and sign our Child Protection Policy. To be eligible for this role you need to have working rights in Australia.


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$ 110.00
In pop culture it was a time like no other. Ronald Reagan was in the White House The Terminator was in the box office and RunD.M.C. was in certified gold. It was also the time when Oakley created oneofakind sunglasses called Frogskins. We resurrected the original tooling from the early 80's giving you a chance to own a piece of history.
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text:
Miami Chicken Legs
Total Time
Prep 10 mins
Cook 30 mins
I got this one of my mom's old recipe books called Great American Recipes. It's simple and delicious.
Ingredients Nutrition
- 2 lbs chicken legs
- 1⁄2 cup ketchup
- 1⁄4 cup cider vinegar
- 3 tablespoons oil
- 2 tablespoons brown sugar
- 2 tablespoons Dijon mustard
- 2 tablespoons lemon juice
- 1 teaspoon dried basil
- 1 dash salt & pepper
- 2 minced garlic cloves
- Wash and dry chicken.
- Prepare marinade-basting sauce by combining all the ingredients.
- Place chicken in a bowl and pour marinade over it. Marinade at room temperature for at least 1 hour.
- Remove chicken from marinade and reserve for use as basting sauce.
- Place chicken on preheated grill or broiler. Baste with sauce on all sides.
- Grill chicken, basting and turning every 10 min for about 30 min or until chicken is done and juices run clear when pierced with fork.
- Good served with hot rolls, salad, or grilled tomatoes.
Most Helpful
Actually, I would bring reserved marinade to a full, rolling boil for several minutes and THEN using it as a basting sauce towards the end of the cooking process. A fully cooked marinade on cooked meat should not cause any problem.
My only problem with this recipe is the suggested reuse of the marinade as a basting sauce. You should never, NEVER, use a marinade used with poultry over as a basting sauce. Because of cross contamination. I would suggest making double of the sauce and then you would have sauce for the marinade and basting.
This came out very much like BBQ chicken. I used boneless breasts (what I had) and added a few extra cloves of minced garlic along with about 1/4 cup of chopped red onion. I halved the marinade (minus the onion) and used the reserved to baste the chicken as it baked adjusting the baking time accordingly. (4)


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Junior Design Engineer
jobsDB Ref. JTH300003001256578
Location of working : Kabinburi Industrial Estate, Prachinburi
Main tasks:
- Responsible for the transfer of the drawings and bill of material from the head quarter to branch company in Thailand for the relevant product.
- Evaluation of technical specifications in case of inquiries as basis for offers.
- Handling of drawings and bill of material for transactions to be translated.
- Close cooperation and coordination of design matters with engineers of the head quarter.
- Responsible for preparation of drawings with the CAD-system.
- Preparation of manufacturing drawings.
- Preparation of bill of material and, if necessary, part lists (e.g. packing lists).
- Cooperation on design matters in special cases (small adaptations etc.) in coordination with the customer and the head quarter design department.
- Assistance to the quality department and/or the production departments on matters of non- conformity, which touch the design.
- Set up and updating of all master records of all designed parts (material codes) for all fields where engineering is responsible and handle the setup of all data, where other department are responsible – except purchased items, raw materials and consumables.
- Assistance on the design and layout of quality check documents.
- Assistance to purchasing on preparation of the purchases of technical critical materials (to check the descriptions or to join the negotiations).
- Preparation of documentations.
- Assistance in the preparation of offers.
- Close cooperation with the technicians of the head quarter
- Responsible for CAD System.
- Technical support for Customer in engineering questions.
- Sketches and drawings for devices and other internal requirements.
- Technical support for maintenance, e.g. workout of maintenance plans and so on.
- Support from a technical point of view in case of investments.
- Design of special items regarding to the head quarter needs.
Professional requirement (hard skills):
- University graduated mechanical engineer or similar
- Practice in a design department is an advantage
- Basic knowledge in electronics and hydraulics is an advantage
- Knowledge of at least one CAD system (preferably unigraphics 2D, 3D, Siemens NX)
- Knowledge of MS office (Word, Excel, Powerpoint)
- Spoken and written English (German skills are an advantage)
- Knowledge of design- engineering and basic knowledge
- Technical understanding
- Basic knowledge in production
- Knowledge of an Enterprise resource planning system (ERP) is an advantage
- Knowledge of IT system and basic troubleshooting is an advantage
Individual requirement (soft skills):
- Reliable
- Work focused and committed to reach defined goals
- Flexible and enthusiastic
- Social Skills
- Team player
- Ability to work independently
How to apply
- Click APPLY NOW to submit your application.
Keywords: mechanical engineer Design engineer Engineer


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Check in from 16h / Check out prior to 10h
Green Hill B&B Rome: Find photos, reviews, information, amenities and compare prices for 1 stars hotels in Rome, Italy.
Boasting a Jacuzzi, Green Hill B&B Rome is located in Rome and offers comfortable accommodation. It also features a laundry service and parking.
Hotel description
The bed & breakfast has 2 lively rooms that are filled with all the essentials to ensure a comfortable stay.
Green Hill B&B Rome offers breakfast every morning that guests can enjoy before venturing out to explore the surrounding region.
Situated in the Latium Wine Region, the bed & breakfast is a convenient base for those interested in sampling the area's specialties. Rome Ciampino Airport is within a 15-minute drive.
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"The only reason an organization has dead wood is that management either hired dead wood or it hired live wood and killed it." ~ Deming
Please stop writing "As a User, I want to log in…" No user ever WANTS to log in.
Please stop referring to poor coding practices as "technical debt".
People generally want to make things better. When they find they can't, they're prone to disengage, to protect their sanity.
"In dysfunctional orgs, signalling that work is being done [is] a better strategy for career advancement than actually doing work." ~ Thiel


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Featured property
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Featured property
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Great sized family home! **asking price 195,000** move into this lovely family home, with a fantastic sized enclosed rear garden. offering excellent potential in a popular residential…
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Spectacular Waterfront Townhome - Oyster Pond #25
From $5,250 / week
Description from the owner
Description from the owner
Bedrooms: 4/
Bathrooms: 5/
Sleeps: 10/
Type: House
Book this 4 bedroom, 5 bathroom house in Chatham today! A total of 10 people can sleep here comfortably.
Guests can enjoy a pool, deck, and outdoor grill among other amenities offered by this rental.
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The beginning of the Christmas spotlights!
The closest thing to a DC Talk reunion…Michael and Kevin join TobyMac on "Love Feels Like"!
Check out this song by Jeremy Camp for the new movie "I'm Not Ashamed"
Another awesome song from For King & Country!!!
Rend Collective sings "Live Alive"
The newest video by Love & The Outcome!
The heart behind the song "Open Hands"…with Laura Story
Casting Crowns sings "One Step Away"
Another AMAZING song from Unspoken!!!
Jason Grey singing "The Wound Is Where the Light Gets In"
Another awesome song by Finding Favour…"Tiny Town"!
Danny Gokey shares the story behind "Tell Your Heart To Beat Again".
Chris Tomlin has released a new video!!!
The latest video by Tenth Ave North!!!
The newest video by Unspoken!
For all us boys at heart…Crowder in a car chase with the Devil!
Check out this acoustic brilliance from NEEDTOBREATHE!
The latest hit from SWITCHFOOT!!!
Brand new video from Brandon Heath!!!
Sidewalk Prophets: LIVE at Winter Jam 2016…Something Different
Steven Curtis Chapman…One True God: The Story and the Song


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The Event Photos
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Sep 17, 2013 9:07 PM EDT
Cast & Details See all »
- Premiered: September 20, 2010
- Rating: TV-14
- Premise: An ordinary man's probe into his girlfriend's disappearance leads him to uncover a conspiracy of untold dimensions, inadvertently affecting the newly elected U.S. president, the leader of a group of mysterious detainees and the detainee leader's father. (more)
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The Walking Dead: 3 Things That Have to Happen In the Midseason Finale
This is what The Walking Dead has to do to send us into the break the right way
The Milestones of Rock & Roll: The Events that Changed the History of Music
By White Star PublishersBuy New: $19.95
The X-Files: Complete Series Collector's Set + The Event Bundle [Blu-ray]
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Arch Guest House Reading: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Reading, United Kingdom.
Arch Guest House Reading is a comfortable base when in Reading and is close to everything the area has to offer.
Hotel description
The guest house offers comfortable rooms, equipped to fit the needs of any traveller.
Guests can sit down to breakfast served each morning at the guest house.
The area surrounding Arch Guest House Reading is well-known for its vibrant nightlife, with plenty of places to go for a drink or dance. Guests can also easily visit the Museum of English Rural Life and the Progress Theatre.
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Users who viewed Arch Guest House Reading also viewed these 3 stars Reading hotels:
Bow Guest House
25 Russell Street, Reading
25 Russell Street, Reading
Great Expectations Hotel & Bar Reading
33 London Street, Reading
33 London Street, Reading
Eldon Lodge
196-200 Kings Rd, Reading
196-200 Kings Rd, Reading
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- Hillingdon Prince Hotel
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- New Reading Hotel
397 m
- Deep Blue City Gate Apartments
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Audi Repair in WalworthEdit search
RepairPal Certified Shops (2)
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Advanced Auto Clinic LLC
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1101 Ann Streeet
Delavan, WI 53115
Delavan, WI 53115
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"We have consistently received excellent service from Advanced Auto Clinic."
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Mark's Motor Mechanics
490 Madison StWalworth, WI 53184
Audi repair in Walworth
Williams Bay Automotive
65 Stark StreetWilliams Bay, WI 53191
Audi repair 4.6 mi from Walworth
Dave's Cadillac Service Inc.
10318 N Alden RdHarvard, IL 60033
Audi repair 5.2 mi from Walworth
Petes Automotive
5311 Route 14Harvard, IL 60033
Audi repair 6.0 mi from Walworth
Miller Auto & Transmission
7417 N Us Highway 14Harvard, IL 60033
Audi repair 6.7 mi from Walworth
Adams Collision Ctr
1520 N Division St Unit 1Harvard, IL 60033
Audi repair 6.9 mi from Walworth
Hunters Auto Service
235 S 7th StDelavan, WI 53115
Audi repair 7.2 mi from Walworth
All-tech Auto Service
48 W Beloit StDarien, WI 53114
Audi repair 7.3 mi from Walworth
Mike's Auto Repair
1812 Hobbs DriveDelavan, WI 53115
Audi repair 7.4 mi from Walworth
Delavan Automotive & Tire Ctr
5576 St Rd 50 Unit 17Delavan, WI 53115
Audi repair 7.4 mi from Walworth
De Craene's Service Center Inc
600 N DivisionHarvard, IL 60033
Audi repair 7.5 mi from Walworth
Bill's Repair
10 S. JeffersonHarvard, IL 60033
Audi repair 7.9 mi from Walworth
Schultz's Pit Stop
524 West MadisonDarien, WI 53114
Audi repair 8.0 mi from Walworth
Bond's Auto Care
106 E Walworth AveDelevan, WI 53115
Audi repair 8.1 mi from Walworth
Harvard Automotive
805 West Brink StreetHarvard, IL 60033
Audi repair 8.1 mi from Walworth
Countryside Classics and Storage
4520 Hwy F North Unit CElkhorn, WI 53121
Audi repair 8.5 mi from Walworth
Harvard Ford
5250 S US Highway 14, Harvard, IL 60033Harvard, IL 60033
Audi repair 8.7 mi from Walworth
Quality Auto Service and Tires
1275 La Salle StLake Geneva, WI 53147
Audi repair 9.3 mi from Walworth
Mike's Auto Repair
1237 LasalleLake Geneva, WI 53147
Audi repair 9.4 mi from Walworth
Auto Clinic Inc
500 Broad StreetLake Geneva, WI 53147
Audi repair 9.5 mi from Walworth
Lake Geneva Chevrolet Buick GMC
715 Wells StLake Geneva, WI 53147
Audi repair 9.5 mi from Walworth
Hi-Tech Automotive
415 Getzen StreetElkhorn, WI 53121
Audi repair 9.9 mi from Walworth
Wedige Automotive
224 S Wisconsin StElkhorn, WI 53121


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6 posts tagged with capitolhill.
Displaying 1 through 6 of 6. Subscribe:
The Wheaton of the West
Jeff Sharlet writes about Westmont College and it's deep ties to The Fellowship. previously: C-Street, The Family, and Capitol Hill.
There's plenty of blue chip hill rats 'round here ready to jump ship
The unexpected death of U.S. Representative Edgar Englewright (VA-14) launches the beginning of a whirlwind morning for Chief of Staff, Elliott Clarice, and his
happy band of misfits. [more inside]
Who works for congress?
Although much has been said about the demographic composition of the United States Congress, much less has been said about the thousands of staffers who work behind the scenes, drafting legislation, interacting with constituents, and advising their congressperson. The National Journal has created two infographics that attempt to describe this silent, but influential workforce.
I am convinced that the Congressional offices are full of dealers and hos.
The sensationally sordid Staff Ass sex scandal. Young DC congressional staff assistant starts juicy blog. (edited cache). Blog describes carryings on with many men, including a married Bush appointee who pays her for sex. Washington's most amusing and best read new blogger, Wonkette, links to it, picking out choice quotes. Within hours, the blog is gone, the girl is fired. Now another blogger outs the girl's boss as a Republican Senator. Fun!
first the plame affair - now stolen confidential memos from democratic senators servers ... business as usual on capitol hill?
first the plame affair - now stolen confidential memos from democratic senators servers ... business as usual on capitol hill?
Capitol Hill Staffers
They are the weak, the maligned, the oppressed. They are...the Capitol Hill staffers. (One of the many entertaining features of Hill Zoo, a site that brings a little humanity back to Washington.)
Page: 1


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I'm just testing something out for work… don't mind me. Wheeeee!!!!! As my thanks for reading this, here's some food porn.
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DropboxOne of my favorite online services is Dropbox. This service allows me to seamlessly synchronize files between computers with 2 GB of online storage. And the beauty of all this... is that it's FREE! Click the link below to get started (and to get an extra 250 MB of online storage). Dropbox
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The Bumper Book of London Everything You Need to Know About London and More...
Written by Becky Jones, Clare Lewis
Lovereading4kids Price £7.99
£9.99 saving £2.00 (20%)
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A fact-packed introduction to all aspects of London. There is a wealth of well-expressed information about history, geography, culture, animals, food and much, much more. Everything is clearly introduced which makes browsing easy. Additionally, there's an excellent index for looking up something specific. Most valuable of all, there are incredibly useful lists of Best Things including 'Best Hidden Gardens in London', 'Best things You Can Climb in London' and 'Best Toy Shops'.
The perfect book to provide all the information needed by any visitor to London for the Olympics – or at any other time. Living up to its claim, this book is crammed full of fascinating information about every aspect of life in the capital today and how it links to the great city of the past. Understanding the origins of famous events such as the Lord Mayor's Show or getting to grips with the history of London during World War Two and the amazing bravery of its citizens will all serve to make any visit to London more worthwhile!
The Bumper Book of London Everything You Need to Know About London and More... by Becky Jones, Clare Lewis
A child-centred book that includes every fact, figure, statistic and hidden secret of London life that will be of interest to children. By the team who produced the popular Adventure Walks for Families in and around London and London Adventure Walks.
This entertaining and informative book includes every fact, figure, statistic and hidden secret of London that will be of interest to children. Mixing history with literature, listings with trivia, it opens windows on all areas of London's rich past and present. Here children will learn about London's art and architecture, landmarks, hidden places, ghosts, pearly kings and queens, festivals, street names, games, traditions, markets, football teams, and much, much more. Discover the oldest, the tallest, the silliest, the scariest and the smallest things in London. Shop till you drop at the Queen's favourite stores. Delve into London's murky past, see where notorious criminals were hanged, drawn and quartered, pirates were strung out to rot, heads were mounted on spikes and prisoners were tortured. Peer down London's oldest loo, chant with the crowds at London's first football club, and walk under the River Thames without getting wet. The Bumper Book of London will satisfy every child's appetite for facts and figures - as well as providing fodder for desperate parents who have run out of answers.
'The book is great – full of random stuff that your teachers don't teach you. I loved the funny street names, the London lingo and the modern skyline.' - Tom Smeeton (aged 13)
'I love this book because it tells kids lots of facts about London without them realising. It's got a very good sense of humour. The authors really know what kids are interested in. I would give it 5 stars.' - Elliott (7 years and 22 days old)
About the Author
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280 pages
Becky Jones, Clare Lewis
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Frances Lincoln Publishers Ltd
Publication date
2nd July 2015
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Play: Shopping Doll Dress Up
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Description: Megan is a cute and trendy girl. She loves fashion and everything which involves the latest trends. Megan is exited because today she will go to the shopping center to buy clothes. She wants to buy clothes for the summer. There are a lot of shops and so many choices to make. Megan can't decide what to buy. She needs your help! Help Megan by choosing her dress, shoes, hairstyle and accessories. With your help Megan will start the summer in a trendy and fashionable way. Good luck!
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Until recently the literature has sadly neglected the commonest disorders of old age which, lacking a demonstrable organic basis, have tended to be called 'functional'. Professor Chiu and Dr Ames provide us with the first comprehensive text to deal with all the non-dementing psychiatric disorders in a practical guide and exhaustive reference. Interfacing psychiatry and somatic medicine, and confronting the issues of co-morbidity, this text clearly outlines our core knowledge about clinical problems, discussing appropriate treatments and highlighting areas for future research. Along with case histories which bring much of the detail into lively focus, chapters are neatly cross-referenced and are rich in practical advice for multidisciplinary management strategies. A unique group of contributors of international renown includes members of a number of allied health disciplines relevant to old-age psychiatry. This text is sure to be of widespread interest to all professionals concerned with the health of older people.In the ICD9 (World Health Organization, 1978) panic and generalized anxiety are grouped together as anxiety states. ... Commonly described symptoms include dyspnoea, palpitations, chest pain or discomfort, shortness of breath oranbsp;...
|Functional Psychiatric Disorders of the Elderly
|Edmond Chiu, David Ames, Tom Arie
|Cambridge University Press - 2006-11-02


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Trusts: Back to Basics
Published on 30 Mar 2007 | Took place at The Chifley on Lennons, Brisbane , QLD
Trusts are an essential tool in every tax advisor's toolbox. They offer flexibility, potential tax advantages over other structures and may also provide the added benefit of asset protection. These seminar materials provide practitioners with a fundamental understanding of the way in which trust law operates and will look at the ways that their clients may benefit from their trust arrangements.
To ensure your clients obtain the best tax advantages, including small business concessions, asset protection and divisibility of income between beneficiaries, you require a good knowledge of taxation laws as they relate to trusts. The starting point to develop these skills is a good understanding of the nature of trusts and an overall "big picture" of the taxation issues.
Get a 20% discount when you buy all the items from this event.
Individual sessions
Taxation of trusts
Author(s): Mark REYNOLDS This paper covers:
Materials from this session:
This paper covers:
Trust law basics
Author(s): Chris DAVIS This presentation covers:
Materials from this session:
This presentation covers:


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Portable Laptop Cooling Table at Rs.524
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Deal Details
Get Portable Laptop Cooling Table at Rs.524. Cash on delivery is available.
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This deal is valid till 28-Jun-2013.
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I love gifts
And Renee, for sending me these awesome gifts and a lovely note in the mail.
And Aaron Pfenning, for making these awesome gifts, and just being awesome.
Hooray for getting things in the mail!
Pdreamy, you better get yourself over to the west coast in 2011. I mean, seriously man.
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Taken on November 9, 2010


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Are you watching the Winter Olympics? Or are you boycotting them like the morally righteous US, UK and French leaders, who are disgusted that Putin won't promote pedophilia?
Will the most expensive Olympic Games ever be a triumph for Russian peace over Western war, or will a CIA/Saudi-directed terror attack attempt to poke the Bear into a violent reaction before the world's watching media?
What's really happening next door in Ukraine? Will the people there soon be liberated from the 'yolk of Putinism' and be free to join the glorious future envisioned by the EU? Or is it too just another CIA-led revolution? And what about the real revolution in France, why is no one reporting on that?
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Bumpass News
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Louisa County HS Employee Charged with Solicitation of Minor Granted Bond
Oct 17, 2016 | NBC29 | Comment?
Teacher charged with student sex crimes denied bond
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Retailers' holiday ad spending falls
Retailers shift their ad spending from TV, radio and print ads to digital ads.
Retailers' holiday ad spending falls
Retailers shift their ad spending from TV, radio and print ads to digital ads.
Retailers rack up big holiday gains on online marketplaces
Sellers say they are faring particularly well on the marketplaces of Amazon and Wal-Mart so far this holiday season.
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Vente-Privee has bought two rival flash-sale e-retailers, Privalia Group of Spain and EBoutic.ch of Switzerland.
Posted 04/15/2016Matt LindnerPost a comment
Bradford Shellhammer's second try at e-commerce, the design-focused Bezar, ends after a year.
Posted 02/02/2016Bloomberg NewsPost a comment
The flash-sale site will combine with Hudson's Bay's Saks Off 5th unit to add online shopping options.
Posted 01/07/2016Bloomberg NewsPost a comment
Related Content:Gilt | Gilt Groupe | Hudson's Bay
If it pays $250 million for Gilt, the Canadian department store giant may seek to replicate Nordstrom's success with its 2011 HauteLook acquisition.
Posted 12/15/2015Stefany ZarobanPost a comment
Related Content:Gilt Groupe | Gilt
Showroomprive, the members-only fashion site seeks $424 million to expand internationally, with Showroomprive shares trading in Paris.
Posted 10/19/2015Bloomberg NewsPost a comment
Related Content:Otto Group
Sally Scott spent six years as director of marketing for U.K. department store chain Selfridges.
Posted 02/12/2015Katie EvansPost a comment
Investors are buying 89% of the shares in the apparel retailer, which launched in 1998.
Posted 05/23/2013Kevin WoodwardPost a comment
35% of sales are mobile, and virtually every mobile shopper is on an Apple device.
Posted 11/29/2012Bill SiwickiPost a comment
The web retailer, which caters to moms, also released an iPad app today.
Posted 11/16/2012Amy DustoPost a comment
Related Content:Flash Sale Sites
Amazon takes on such established flash-sale players as Gilt and HauteLook.
Posted 05/03/2011Zak StamborPost a comment


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We had another great turnout for a beautification event, this one taking place in Rampart Village over the weekend.
More than two dozen volunteers from the community turned out to plant Bird of Paradise and white roses in three rounders on Occidental Blvd between Beverly Blvd and Third Street.
These circular medians that line the boulevard have been a litter magnet and have sat empty, devoid of landscaping, for far too long.
This section of our district has so much potential -- and with just a little bit of love and elbow grease we spruced up the area.
My office partnered with the Department of Recreation and Parks, Rampart Village Neighborhood Council, and community stakeholders to make this flower planting project possible. This was just the first phase - the next phase will take shape in the near future.
Improving Pedestrian Safety in Historic Filipinotown


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Does this attraction provide visitors with a taste of the local culture?
Does this attraction require above average amounts of physical activity (long walks, climbs, stairs or hikes)?
Does this attraction have good sunset views?
Does this attraction have good scenic or skyline views?
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Thanks for helping!
A great day trip from anywhere in El Slavador. We drove from Santa Ana by recommendation of a local in the town. What a beautiful surprise it was; we sat at the lookout for hours...
read more
A great day trip from anywhere in El Slavador. We drove from Santa Ana by recommendation of a local in the town. What a beautiful surprise it was; we sat at the lookout for hours before going to the lake. Mostly locals and very amable. You will need a 4x4, but then that's normal for something so unique.
Beautiful view, great people, food, and fun. The only bad part is the access. You need a vehicle 4x4, preferably.
Local government needs to invest on better roads.
Cheap but great entertainment, you can tour the lake in a covered boat for 8 people for $25, eat for less than $10 per person, ride water jet ski for $6.
Driving down the mountain you can spot the lake through the tree branches and plants roadside. After deciding we'd rather ride on the lake rather than eat, we drove further down bouncing on unpaved, rocky roads to our destination. We took a boat ride to see the blue water up-close and gaze at the private homes with docks, and rolling...
Arriving at the lake took us by surprise because we didn't realise that we would drive up the Volcano to get there, so our first sight was a wow moment. It is a stunning sight and you can't take your eyes off of it. We sat and had lunch there so the sun was at it's highest, but I can...
Deep blue waters, many restaurants and water sports hubs around, surrounded by high hills and Santa Ana volcano on one side, this is a very scenic lake to spend a day trip. Very close to San Salvador, can be covered in a day along with nearby Maya sites and Volcano reserves.
Just 10 mins off the highway. Great little roadside restaurants to sit and enjoy the view of the lake.
This by far was the best view I have seen in El Salvador. I viewed the lake from the road and from Cerro Verde. There is a snake landmark viewpoint that gives you the best alignment and view of the lake. There are plenty of places to enjoy the view from above while drinking a beer and eating local food....
The lake itself is fantastic, but once you get down, there is not much to do. Lots of private properties so you do not even get close to the water and you dont even see the lake. You have to visit one of the restaurants and you will probably be ignored as we were (we tried two of them and...
The view from top (if you take the road to the right only) is so breathtaking, there's a few restaurants on the way down for sightseeing. However, if you want to go all the way down to the lake, take the tourist road, to your left hand side of the sign, its a short drive to the bottom of the...
The view of the lake was absolutely breathtaking! We had lunch at a restaurant overlooking the lake and the view was simply gorgeous.
What is the cheapest way to get here and back for a day visit, from san salvador
Hello. How did you book your tour to the lake? How far is it from downtown San Salvador? How much did it cost? Thank you!
How do I find a place to stay at Lake Coatepeque?
See all questions


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Jerez is a Denominación de Origen in southwestern Spain. It has a Mediterranean climate with wet, mild winters and dry, hot summers. Sherry - an Anglicized word for 'Jerez' - is the most famous fortified wine from this region, made mostly from the Palomino grape. Pedro Ximénez (PX) accounts for about 10% of the Sherry made. After fermentation, a mixture called 'mitad y mitad' is added, which is a mix of high proof alcohol and old wine. This mixture varies from house to house. There are two major types of Sherry made: Fino and Oloroso.
Sherry has been a popular wine in England since the Tudor era.


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6275 Grand Lake Road E, Presque Isle 49777
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Watch The Majestic Freighters Move Silently On Lake Huron As You Sip Your Morning Coffee On The Expansive Deck. This Luxury Resort Home In Presque Isle Harbor Bay Is Offered At An Exceptional Price! Boasting 4,290 Sq.ft. And Sitting On Two Sizable Private Lots, This Extensively Landscaped Home Offers 166' Of Shore Line. Bring Your Small Boat To Launch Right Into Private Creek With Ramp. With A Three-car Garage, You'll Even Be Able To Pull In Your Boat Or Jet Ski From A Lake Side Door.
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- Presque Isle
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- Presque Isle
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- Bedroom3:
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- Bedroom4:
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United States District Court, N.D. Illinois
January 23, 2004.
ERIC QUINN and MARIA SOTET.O, Plaintiffs,
AMERIQUEST MORTGAGE COMPANY; ESTATE TITLE GROUP, L.I.C.; PRIME INVESTMENT MORTGAGE CORPORATION; LAURA C. DANTUMA; and DOES MO, Defendants
Plaintiffs Eric Quinn and Maria Sotelo filed a three-count complaint
against defendants Ameriquest Mortgage Company, Estate Title Group,
L.L.C., Prime Investment Mortgage Corporation, Laura C. Dantuma, and Does
1-10 (collectively "defendants").*fn1 The complaint charges violations
of the Truth in Lending Act, 15 U.S.C. § 1601 el seq.
("TlLA")and the Illinois Consumer Fraud Act, 815 Ill, Comp, Stat, 505/2
("TCFA"), The defendants filed three separate motions to dismiss,*fn2
For the following reasons, we grant all three of the motions and order
the dismissal of Counts I and Ill of the plaintiffs'
Page 2
complaint.*fn3 Because we dismiss the portions of the plaintiffs'
complaint which purport to state a claim on behalf of a class,
plaintiffs' motion for class certification, filed on August 15, 2003, is
also denied.
For the purpose of a motion to dismiss, we accept all well-pled
allegations as true. MCM Partners, Inc. v. Andrews-Bartlett &
Assoc., Inc., 62 F.3d 967, 972 (7th Cir. 1995). We therefore recite
the facts as the plaintiffs present them in their complaint.
In December 2002, Plaintiff Eric Quinn obtained a $128,700 mortgage
loan from Defendant Ameriquest Mortgage Company ("Ameriquest") that he
used for "personal, family or household purposes," (Compl. ¶ 11-12.)
Quinn used Defendant Prime Investment Mortgage Corporation ("Prime
Investment") as his mortgage broker. (Compl. ¶ 18.) He was assessed a
finance charge of $211,962.12 in relation to his loan. He also purchased
title insurance from Defendant Estate Title Group ("ETC") at a price of
$890. (Compl. ¶ 16.) Quinn alleges that the $890 charged by ETG for
the title insurance was substantially greater than the $539.44 quoted by
Chicago Title, "a much larger and more substantial company" for similar
coverage, (Compl. ¶ 17.)
Plaintiff Maria Sotelo's claims are similar to those of Quinn.
Specifically, she claims that around December 2002, she contacted Prime
Investment to obtain money to pay for home improvements. (Compl, ¶¶
19-20.) Prime Investment arranged financing through Ameriquest in the
amount of $112,786.68 and was assessed a finance charge of $215,090.82,
(Compl. ¶ 23.) Like Quinn, Sotelo paid $890 for title insurance that
she purchased from ETG. Sotelo claims that the amount that she paid to
Page 3
ETG for title insurance was "nearly twice the basic amount" of
$527.80 quoted by Chicago Title for similar coverage. (Compl. ¶ 26.)
In their complaint, Quinn and Sotelo allege that ETG is an entity under
common ownership*fn4 with the mortgage broker, Prime Investment and that
Prime Investment engaged in the practice of obtaining title insurance
from ETG. (Comp!. ¶¶ 18, 32.) The plaintiffs further claim that the
defendants intentionally colluded to overcharge their customers
(including the plaintiffs) on title insurance. The purpose of this scheme
was to impose upon the plaintiffs a hidden finance charge without having
to disclose the amount of the finance charge to consumers under the TILA,
In Count I, brought by Quinn on behalf of a class against Ameriquest,
plaintiffs claim that the practice of artificially deflating the finance
charges by concealing part of those charges in the cost of title
insurance violated the TILA's requirement that lenders disclose the exact
amount of finance charges imposed on a loan. 15 U.S.C. § 1637. Quinn
requests, inter alia, a declaration on behalf of the class that
class members may rescind their transactions with Ameriquest. (Compl.
¶ 47.) In Count II, brought individually by Quinn and Sotelo against
Ameriquest, the defendants claim that they have a right to rescind their
loan agreements with Ameriquest. In Count III, brought by Quinn and
Sotelo on behalf of a class against all of the defendants, the plaintiffs
claim that the practice of overcharging for title insurance violated
§ 2 of the Illinois Consumer Fraud Act, 815 Ill, Comp. Stat. 505/2.
We are presented here with a motion to dismiss pursuant to
Rule 12(b)(6) of the Federal Rules of Civil Procedure. "The purpose of a
motion to dismiss is to test the sufficiency of the complaint, not to
decide the merits." Gibson v. City of Chicago,
910 F.2d 1510, 1520 (7th Cir. 1990)
Page 4
(quoting Triad Assocs., Inc. v. Chicago Hous. Auth.,
892 F.2d 583, 586 (7th Cir. 1989)), In considering a motion to dismiss, we
must accept all well-pled allegations in the complaint as true and draw
all reasonable inferences in the plaintiffs' favor, See id. at
1520-21; MCM Partners, Inc. v. Andrews-Bartlett & Assoc.,
Inc., 62 F.3d 967, 972 (7th Cir. 1995), aff'd 161 F.3d 443
(7th Cir. 1998), cert. denied 528 U.S. 810 (1999). Therefore, a
complaint should not be dismissed "unless it appears beyond all doubt
that the plaintiff can prove no set of facts in support of his claim
which would entitle him to relief," Conley v. Gibson,
355 U.S. 41, 45-46, 78 S.Ct. 99, 102, 2 L.Ed.2d 80 (1957).
As noted above, plaintiffs have raised two claims under the Truth in
Lending Act and one claim under the Illinois Consumer Fraud Act.
Compliance with the TILA is a complete defense under Illinois law to any
claim brought under the ICFA. Jackson v. South Holland Dodge,
Inc., 755 N.E.2d 462, 467-68 (Ill, 2001). Thus, the threshold
question that we must consider in assessing all of the motions to dismiss
is whether the plaintiffs have slated a cause of action under the TILA.
Congress enacted the TILA to "assure a meaningful disclosure of credit
terms so that the consumer will be able to compare more readily the
various credit terms available to him and avoid the uninformed use of
credit, and to protect the consumer against inaccurate and unfair credit
billing and credit card practices." 15 U.S.C. § 1601 (a); see
also Mourning v. Family Publications Service, Inc., 411 U.S. 356,
363-68 (1973) (discussing the purpose and history of the TILA). Congress
was particularly concerned about the practice engaged in by many lenders
of advertising low credit rates to attract customers but then burying the
cost of those lower credit rates by increasing the price of goods sold.
Mourning, 411 U.S. at 365. Here, plaintiffs claim that the
defendants did just that by advertising low credit rates but then later
recouped the cost of those rates by charging more for title insurance,
Page 5
To preclude lenders from engaging in the type of scheme alleged by the
plaintiffs, the TILA mandates strict disclosure requirements with regard
to finance charges. Specifically, before a creditor may enter a
transaction with a consumer, he must disclose to the consumer the method
by which the creditor determines the principal balance on the loan, the
amount of the finance charge imposed on the loan, the applicable
financing rates, and any other charges which may be imposed in addition
to the finance charge. 15 U.S.C, § 1637. The question thus becomes
whether the defendants have violated the TILA by tailing to disclose
finance charges, as they arc required to do under § 1637. In order to
answer this question, we must first consider what constitutes a finance
charge for purposes of the TILA.
The Federal Reserve Board, charged by Congress with implementing the
TILA, defined the term "finance charge" as the "cost of consumer credit
as a dollar amount." 12 C.F.R. § 226.4(a) (2002) (hereinafter
"Regulation Z"). Regulation Z includes a list of charges that are
specifically excluded from the definition of "finance charge,"
12 C.F.R. § 226.4(c). Among those fees excluded are any fees for title
insurance, as long as those fees are "bona fide and reasonable in
amount," 12 C.F.R. § 226.4(e)(7)(i). Plaintiffs claim that the title
insurance that they purchased from ETG does not fall under the title
insurance exception because it was not "bona fide and reasonable in
amount," Plaintiffs thus argue that the defendants should have disclosed
the amount charged for title insurance as a finance charge,
A plaintiff may bring a cause of action under the TILA to rescind a
loan contract where a lender has failed to fully disclose or has
otherwise bidden finance charges from a borrower. 15 U.S.C § 1640. To
stem the tide of litigants bringing such claims where the hidden finance
charges arc de minimus, however, Congress amended the TILA in
1995 to provide that lenders would not be liable under the Act as long as
their disclosed finance charges were within a certain permissible range
of tolerance for accuracy. See Smith v. Highland Bank,
108 F.3d 1325, 1327 n.4 (11th Cir. 1997) (discussing the
Page 6
legislative history and purpose behind the 1995 amendments to the
TILA). Specifically, in 15 U.S.C. § 1605(f), Congress slated that
finance charges "shall be treated as being accurate for purposes of [the
TILA's rescission provision]" as long as "the amount disclosed as the
finance charge does not vary from the actual finance charge by more than
an amount equal to one-half of one percent of the total amount of credit
extended." See also 12 C.F.R. § 226.23(g) (allowing a
tolerance of one half of one percent).
Thus, the issue of whether plaintiffs have stated a claim for relief
under the TILA (and, by extension, under the TCP A) for failure to
include the overcharge on insurance in its finance rate boils down to a
simple mathematical calculation. We must determine whether the amount
allegedly overcharged for insurance by the defendants was greater or less
than 0.5% of the total amount borrowed by the plaintiffs. The total
amount borrowed by Quinn was $128,700, One half of one percent of that
amount is $643.50. The amount charged for title insurance was $890. Quinn
claims that a reasonable price for title insurance would have been
$539.44,*fn5 The amount overcharged is thus $890 minus $539,44, or
$350.56. Because $350.56 is less than 0.5% of the amount borrowed by
Quinn (or $539.44), he may not state a claim for relief under the TILA.
The same calculation presents similar results for Sotelo. Sotelo
borrowed $112,786.68. One half of one percent of that amount is $563.93.
The amount charged for title insurance was $890. Sotelo
Page 7
claims that a reasonable price for title insurance would have been
$527.80. The difference between the amount charged and the amount that
would have been reasonable is thus $362.20, much less than 0.5% of the
total amount borrowed by Sotelo (or $563.93), Thus, Sotelo also may not
state a claim for relief under the TILA.
The plaintiffs believe that we should conduct our calculations
differently. Specifically, they argue that, in determining the difference
between the amount disclosed by the defendants as the finance charge and
the actual finance charge, we should compare the entire $890 paid by the
defendants for title insurance with 0.5% of the total amount borrowed
rather than first subtracting from the $890 the amount that plaintiffs
allege that a reasonable title insurance company would charge. We cannot
agree with the plaintiffs' contention as a matter of common sense.
Plaintiffs claim that the defendants folded a hidden finance charge into
cost of their title insurance. They do not contend that the
entire cost of the title insurance constituted a finance charge.
Thus, we must discern how much of the total cost of the title insurance
was made up of a finance charge. In order to do so, we must subtract from
the amount charged a reasonable rate for title insurance. To do otherwise
would be to penalize the defendants for the portion of the entire title
insurance cost that actually went to providing the plaintiffs with title
Although only two other cases have dealt with this question,*fn6 the
courts in both of those cases have reached the same conclusion. See
Guise v. BWM Mortgage, L.L.C., No. 03-C-4123, 2003 WL 22019346 (N.D.
111. Aug. 26, 2003); Walker v. Gateway Financial Corp., No.
03-C-4263, 2003 WL 2231 8843 (N.P. Ill, Oct 7, 2003), Moreover, the plain
language of § 1605(f) suggests that the plaintiffs' proposed formula
is untenable. As stated above, the tolerance for accuracy provision
provides that a
Page 8
creditor will not be liable for a violation of the TILA where "the
amount disclosed as the finance charge does not vary from the
actual finance charge by more than an amount equal to one-half of one
percent of the total amount of credit extended." 15U.S.C. § 1605(1)
(emphasis added). The phrase "does not vary from" instructs us to look at
the difference between what was actually disclosed as the finance charge
and what the finance charge would have been if the defendants had not
overcharged for insurance. The result of this calculation would simply be
inaccurate if plaintiffs were allowed to insert the entire amount charged
for insurance rather than the amount that the plaintiffs claim was
unreasonable. Thus, we cannot find that the plaintiffs have stated a
cause of action under the TILA.*fn7
For the foregoing reasons, we grant the defendants' motions to dismiss
with regard to Counts 1 and III, We also grant Ameriquest's motion to
strike paragraphs 15-18, 24-34 and 35 of the complaint. Because we
dismiss the portions of the plaintiffs' complaint which purport to state
a claim on behalf of a class, plaintiffs' motion for class certification
is also denied. It is so ordered.
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From now until 29 Feb 2016
Usher in the Chinese New Year with a festive getaway. Unwind with a pampering couple spa treatment or indulge in an exquisite 8 course dining experience. Take part in exhilarating on activities A memorable getaway to the ultimate Sanctuary for the Senses awaits.
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Out'n About for Outlook Client Version 4.0
Its an exciting time here at Intelligent Concepts, makers of the Out'n About line of Status board software. We've…read more
02 Mar
Benefits of an Electronic In/out Board Software
Are you still using the same analogue "in/out status board" in order to keep track of the location of…read more


text: Alexander Paul Morris is a trader, investor, and entrepreneur who has been involved in the markets for over 15 years trading stocks, forex, options, and futures. He is the designer, creator, and programmer of the tymoraPRO trading platform, which received exceptional reviews in both Active Trader and Technical Analysis of Stocks & Commodities Magazines, and was designed to empower traders with a real-time trading edge. He is also a viral media producer and co-founder of the vlogolution network, where he shares his perspectives and calls B.S. where he sees it. vlogolution currently has nearly 90,000 subscribers and over 57 million video views on YouTube alone (http://www.youtube.com/vlogolution). twitter: @alexpmorris twitter: @tymorapro for sample real-time trading alerts facebook: http://vlogolution.com/fbalex