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July 31, 2009
NAGEEB KASSEM, ET AL., PLAINTIFFS,v.JANET NAPOLITANO, ET AL., DEFENDANTS.
(Document #77)
On July 30, 2009, Plaintiffs filed an eight-page objection to this court's July 29, 2009 order, which pursuant to L. R. 78-230 (h)*fn1 vacated an oral argument hearing on Defendants' motion to dismiss that was set for August 3, 2009. Plaintiffs request that this court reset the oral argument hearing or in the alternative grant Plaintiffs the right to file a sur-reply. Plaintiffs argue that the court's decision to take this matter under submission without oral argument constitutes a violation of Plaintiffs' due process rights under the Fifth Amendment.
The court has reviewed Plaintiffs' objections and does not find that oral argument is a requisite element of due process or that Plaintiffs' due process rights have been violated. In fact, Plaintiffs' counsel, himself, acknowledges that the Supreme Court has held that oral argument is not required as an element of due process. See Plaintiffs' objections at page 6. Plaintiffs do not cite to any Ninth Circuit case law that holds oral argument to be a necessary requirement of due process. Rather, Plaintiffs rely on a 1964 Ninth Circuit case for the proposition that: "the opportunity to be heard orally on questions of law is not an inherent element of procedural due process."*fn2 See Plaintiffs' objections at page 7. This court agrees. Accordingly, the court denies Plaintiffs' request for the court to reset the matter for oral argument.
Moreover, in support of Plaintiffs' due process argument, Plaintiffs' counsel, Bruce Leichty, represents that he has appeared in a number of civil cases assigned to Judge Ishii in the past several years, and that in each case, Judge Ishii has dropped the hearings from the calendar and ruled against him. See Plaintiffs' objections at page 3. Mr. Leichty further asserts that "in each of those cases, (including the last time in this case when a hearing was dropped from calendar), [Mr. Leichty] has identified errors of fact or law in the subsequent decision of the court issued without benefit of oral argument, which [Mr. Leichty] believes could have been prevented by oral argument." Id. Furthermore, Plaintiffs' counsel explains that he is "a graduate of a distinguished law school (Boalt Hall at UC Berkeley) and admitted to practice before several courts of appeal and the U.S. Supreme Court, and a former extern at the 9th Circuit Court of Appeals, is an astute and principled litigator, and does not accept that he is simply always wrong, but he does allow for the possibility that judges do not always become fully engaged on a given matter." See Plaintiffs' objections at pages 3-4.*fn3 The court, however, notes that an attorney's introspective self-assessment of their astuteness and abilities plays no role in the court's decision in whether to take a matter under submission without oral argument. Moreover, where an attorney went to law school does not factor into the court's decision.
Plaintiffs' counsel seeks permission to file a sur-reply as alternative relief. Pursuant to the Local Rules, parties are not entitled to sur-replies. See L.R. 78-230. Additionally, it is not apparent to the court how helpful a sur-reply would be in this case given the extensive briefing and in light of the fact that the court has had the opportunity to familiarize itself with the facts and law of this case by reviewing four amended complaints and one complete round of motions to dismiss. Nonetheless, the court will permit Plaintiff to file a sur-reply for purposes of responding to new arguments, if any, that arose in Defendants' replies and for which Plaintiff has not had the opportunity to address.
Accordingly, IT IS HEREBY ORDERED that Plaintiffs' request for oral argument is DENIED and Plaintiffs' request to file a sur-reply is GRANTED. Plaintiff may file a sur-reply on or by August 17, 2009.
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LRC, Inc. About Us


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Lewis recommended Selenium. 7 months ago
Dan recommended Intern. a year ago
Dan added the Option Intern. a year ago
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subset: commoncrawl


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Special report
Banks are gearing up for a wave of regulatory change – from Basel III and its liquidity and leverage ratios and credit value adjustment capital charge, to the Dodd-Frank Wall Street Reform and Consumer Protection Act and its focus on central clearing and posting of initial margin. Unsurprisingly, technology vendors are doing likewise to cater to the new demands that will be placed on their systems by banks. This year's software survey gives a snapshot of some of the changes made across a selection...
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islandjudy Review
Great Pillow
Love this pillow! The embroidery is dense, the color is rich and the pillow fabric is nice. It looks like a very expensive accent pillow and was really quite a bargain!!
- How did the color on site compare with the actual product? Perfectly
- Please tell us about the quality of the product. Even nicer than anticipated
- How accurate was the on site description of the product? Very accurate
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Nemme Appetitvækkere Thanksgiving
Quick and easy Salami & Cream Cheese Bites ~ a classic crowd-pleaser you can whip up in minutes.
Cranberry-Cream Cheese Crescent Bites: These one-bite cranberry and jalapeño-cream cheese crescent appetizers are easy to make and sure to be a "wow" with your guests.
Thanksgiving: Course 1 - Easy Thanksgiving Appetizers - Page 2 of 2 - Princess Pinky Girl
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This delicious Slow Cooker Spinach and Artichoke Dip recipe is easy and cheesy! A hot dip, but doesn't have to be cooked in the oven. Great for potlucks!
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ABSTRACT: During postharvest handling of red curly chili, transportation and temporary storage are critical step due to high losses. The objcctives of this study were to analyze the effect of packaging material and low temperature storage on the quality changes of fresh red curly chili and to determine the optimum combination of packaging material and temperature storage. After being harvested, samples of red curly chili were sorted and packed in differents packaging material of 3 kg and transported to the laboratory within 5 hours at ambient temperature condition. During storage period, the visual appearance, change in respiration rate, weight loss, firmness and color were measured. Waring, plastic sack and polipropilene plastic were selected as packaging materials, temperature of 10, 15OC and ambient temperature were set as storage temperature. The results show that packaging material and temperature storage influenced the respiration rate, weight loss and firmness of red curly chili. Lightness (L*) correlated only with packaging material. The interaction between packaging material and temperature storage has only correlation with weight loss. The highest losses of 21.06±0.4 was resulted for the combination of waring packaging at room temperature. The lowest losses of 0.12%±0.1 was found for the combination of polipropoline plastic packaging at 10OC. The longest storage period up to 29 days was found for those red curly chili stored at combination of polipropilene plastic packaging at 10OC.
Penulis: Asmeri Lamona, Y. Aris Purwanto, Sutrisno
Kode Jurnal: jppertaniandd150358


text:
B'Saari II
48,496pages onAdd New Page
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B'Saari II was a planet, the second planet in orbit of the B'Saari star system, located somewhere in the galaxy's Alpha or Beta Quadrants. B'Saari II was the homeworld of the B'Saari civilization.
In the year 2157, Romulan Admiral Dagarth obtained a mutagenic virus from scientists on B'Saari II. (ENT - The Romulan War novel: To Brave the Storm)
External linkEdit
- B'Saari II article at Memory Alpha, the wiki for canon Star Trek.


text:
Grilled Squash and Zucchini
Total Time
Prep 4 mins
Cook 5 mins
This is yummy and can be served with almost any meat.
Ingredients Nutrition
- Slice zucchini and squash into 1/2' slices.
- Grill for 3-5 minutes.
- (I like to use my George Foreman Grill).
- Sprinkle with Mrs. Dash.
Most Helpful
I use my Foreman grill for everything from onions to mushrooms. This works great with squash. If you like fajitas this is great to add with the meat and rice. Just don't overcook, I like the squash to be a little firm.


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Discussion in 'iPod touch Firmware 1.1.3 Discussions' started by alexttlyrocks, Jan 30, 2008.
so, I did everything the video david posted and the wiggle feature wont work...any ideas?
you need the app pack
so either buy it for 20 bucks on itunes
or download them from the applerepo.com source or the ipodtouchmaster source
once again..I did everything david said to do in the video (he told me to download the app pack in the video) and the wiggle feature wont work. any ideas?
do the apps appear on your springboard?
what do u mean?
if ur asking if the apps show up on my home screen then yes they do and they work..everything works except for the wiggle feature
Yeah, I am having the same issue too, I added in IPTM's repo, however no wiggle effect... anyone can help?
u sure u on 1.1.3? lol strange...
Okay, I found the answer, yo alexttlyrocks, you can find it here..
PHEW! Basically u hold down an icon for 2 secs and it begins to wiggle, then u can move it around and re-arrange your icons. To exit, simply press the Home button. Hope that hopes. Please Register or Log in to view images
Please Register or Log in to view images
Weird. I just installer ipodtouchmaster's apps and it worked.
Separate names with a comma.


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Year: 0, Make: Ford, Model: Five hundred


text:
MAPLEWOOD - Police have identified the suspects in a Maplewood murder that occurred last month.
Cops say Victoria Carmen White, 28, was shot and killed early in the morning on Sept. 12 at 159 Jacoby St.
Police now say they are looking for Marquise L. Foster, 25, of North Plainfield, and Alrashim N. Chambers, 23, of Newark. The Essex County Prosecutor's Office says the suspects met White at an Irvington nightclub before going to an apartment in Maplewood to continue partying.
White was transgendered and it is suspected that played a factor in her death.
As a result, the investigation has been handed over to the bias crime unit.The gay rights group, Garden State Equality, is offering a $2,000 reward for information leading to the arrest of the suspects.
Family of Maplewood woman claim murder was hate crime


text:
Talagrand's concentration inequality
|This article provides insufficient context for those unfamiliar with the subject. Learn how and when to remove this template message) (September 2011) (
In probability theory, Talagrand's concentration inequality is an isoperimetric-type inequality for product probability spaces.[1][2] It was first proved by the French mathematician Michel Talagrand.[3] The inequality is one of the manifestations of the concentration of measure phenomenon.[2]
The inequality states that if is a product space endowed with a product probability measure and is a subset in this space, then for any
where is the complement of At where this is defined by
and where is Talagrand's convex distance defined as
where , are -dimensional vectors with entries respectively and is the -norm. That is,
Probability deals with uncertainty. The inference of a future event or process requires the identification of key variables related to it. Certain assumptions about the nature of those variables (random variables) and their functional relationship can be drawn. Yet there are cases where the functional relationships of such variables are not directly available. But in spite of such difficulty Talagrand's concentration inequality helps us to describe some properties (in probabilistic terms) related to the variables and their functional representation. The authors [4] clearly describe what Talagrand's concentration inequality implies under certain assumptions-"..if a function of many independent random variables does not depend too much on any of the variables then it is concentrated in the sense that with high probability, it is close to its expected value..."- and by such implication, we can for example (under many other possible applications), quantify the empirical risk of the model we are using to forecast some future event.
- ^ Alon, Noga; Spencer, Joel H. (2000). The Probabilistic Method (2nd ed.). John Wiley & Sons, Inc. ISBN 0-471-37046-0.
- ^ a b Ledoux, Michel (2001). The Concentration of Measure Phenomenon. American Mathematical Society. ISBN 0-8218-2864-9.
- ^ Talagrand, Michel (1995). Concentration of measure and isoperimetric inequalities in product spaces. Publications Mathématiques de L'IHÉS. Springer-Verlag. doi:10.1007/BF02699376. ISSN 0073-8301.
- ^ Boucheron, Stephanie;Lugosi,Gábor;jMassart,Pascal (2013).Concentration Inequalities: A Nonasymptotic Theory of Independence.OUP Oxford.ASIN: B00BPS6QQI.
|This probability-related article is a stub. You can help Wikipedia by expanding it.


text:
The business was established in early 2014 as South Austin Brewery with the goal of creating Austin speciality beers that pay homage to the Austin music scene and culture. All of our can designs highlight the South Austin guitar and the canned six packs each contain a music grade pick.
We are a local brewery specializing in classic Austin speciality beers such as KolBeer (Kolsch Style), TPA (Texas Pale Ale - IPA), Crossroads Coffee Stout, Six String Saison and our new All-American Blonde Style Ale - Evel Ale!


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Khloe Breaks Kardashian-Silence on Kim Post-Robbery: 'She's not Doing That Well'
Khloe told Ellen her sister is in a rough place following a 'traumatic' incident during Paris Fashion Week
Khloe told Ellen her sister is in a rough place following a 'traumatic' incident during Paris Fashion Week
"This scared everyone," a source reportedly told PEOPLE. "They're not taking chances."
With the help of Kim Kardashian, Chrissy and John celebrating their soon-to-be-born bundle of joy.
Kanye's been going in on Twitter lately. Here's a roundup of his best tweets.
Kanye West and Kim Kardashian announce the birth of their baby boy early Saturday morning.
From Miley Cyrus, to Ariana Grande, to Nicki Minaj, we take a look at our favorite 2015 celebrity Halloween costumes.
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Kim Kardashian subscribes to the idea that the best way to silence criticism is to post a naked selfie, and so she did.
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Taylor Swift, Kim Kardashian, Kanye West and more made TIME magazine's list of 100 Most Influential People.
One Los Angeles street artist has no interest in keeping up with the Kardashians. In fact, he's posted numerous signs that read "No Kardashian Parking Anytime."


text:
- Worldwide Rank #24,517,723
- Follower/Following Ratio 1.04
- Daily New Followers 0
種本 杏奈 Twitter Stats
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19332591 - LT4 Accessory Drive System A/C Add-on Kit
This product may require vehicle validation(s) for proper fitment. Please contact us to confirm correct vehicle fitment and usage.
Pricing: $427.50
Components needed to add A/C to your LS4-equipped vehicle.
Intended to be used in conjunction with 19332590 CPP kit for non-A/C applications. Not verified to work with any non-GM Front End Accessory Drive kit.
Kit includes:
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Application List
- 19332591
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April 22, 2010
ANTWAN RAMSEY, PETITIONER,v.UNITED STATES OF AMERICA, RESPONDENT.
Before this Court is a motion filed by Petitioner Antwan Ramsey ("Ramsey") to correct his sentence pursuant to 28 U.S.C. § 2255. For the following reasons, the motion is DENIED.
On October 25, 2006, Ramsey was indicted and charged with (1) conspiring to possess with the intent to distribute in excess of 50 grams of mixtures containing cocaine base in the form of crack cocaine, in violation of 21 U.S.C. § 846, and (2) distributing in excess of 5 grams of mixtures containing cocaine base in the form of crack cocaine, in violation of 21 U.S.C. § 841(a)(1). On October 4, 2007, Ramsey entered a guilty plea to the distribution charge pursuant to a written plea agreement. The charge carried a mandatory minimum sentence of 5 years' imprisonment. On March 19, 2008, the court sentenced Ramsey to 92 months' imprisonment and a term of supervised release of 5 years.
After Ramsey appealed his sentence, his counsel filed an Anders brief, seeking to withdraw because he was unable to identify any non-frivolous arguments to pursue. Defendant responded to counsel's brief. On November 18, 2008, the Court of Appeals granted defense counsel's motion to withdraw and dismissed defendant's appeal.
Under 28 U.S.C. § 2255, federal prisoners can challenge the imposition or length of their detention if their conviction or their sentence is based on an error that is "jurisdictional, constitutional, or is a fundamental defect which inherently results in a complete miscarriage of justice." Oliver v. United States, 961 F.2d 1339, 1341 (7th Cir. 1995) (internal quotations and citations omitted). If the reviewing court determines that any such defect exists in the judgment or sentence, it "shall vacate and set the judgment aside and shall discharge the prisoner or resentence him or grant a new trial or correct the sentence as may appear appropriate." 28 U.S.C. § 2255.
In addition, after reviewing the Petitioner's motion, the government's response, and any record of prior court proceedings, the court will determine whether an evidentiary hearing is required. See Rule 8(a) of the Rules Governing Section 2255 Proceedings. "If it plainly appears from the face of the motion and any annexed exhibits and the prior proceedings in the case that the movant is not entitled to relief in the district court, the [court] shall make an order of summary dismissal." See Rule 4(b) of the Rules Governing Section 2255 Proceedings; Liss v. United States, 915 F.2d 287, 290 (7th Cir. 1990).
Ramsey requests a resentencing on two grounds: (1) this Court sentenced him without the benefit of recent Supreme Court jurisprudence and Department of Justice ("DOJ") policy changes relating to the crack/powder disparity in the Sentencing Guidelines,*fn1 and (2) Ramsey's lawyer was ineffective for cutting off contact before the submission of his Anders brief.
In Ramsey's first claim, he suggests that the Court did not know it had discretion to vary from the Guidelines in the manner authorized by Spears v. United States, 129 S.Ct. 840 (2009), which issued after the Seventh Circuit affirmed his sentence. Ramsey notes that the Court failed to explicitly comment on whether it categorically disagreed with the 100:1 crack to powder ratio, as permitted by Spears. Ramsey ultimately requests a resentencing in light of a DOJ policy statement, Spears, and other recent jurisprudence.
The Supreme Court may have decided Spears after Ramsey's sentencing and appeal, but the advisory nature of the Guidelines, including the crack/cocaine Guidelines, was well established by the time Ramsey received his sentence. See United States v. Booker, 543 U.S. 220, 244 (2005), Kimbrough v. U.S., 552 U.S. 85, 91 (2007). Spears merely clarified that district courts, in rejecting the Guidelines, were permitted to adopt "replacement ratios" in addition to making "individualized determinations." Spears, 129 S.Ct. at 843-44. The case in no way effects Ramsey's sentence. Whether the Court could vary from the Guidelines by way of a replacement ratio, on the one hand, or an individualized determination, on the other, was irrelevant to the Court's calculations. The Court, fully aware of its discretion, declined to depart from the Guidelines at all; it sentenced Ramsey within the Guidelines range. After reciting the record of Ramsey's extensive prior recidivism, the Court explained:
Yes, I do have discretion to take into account the differential in sentencing between powder and crack cocaine.... But I cannot say in this case, in this case, given the facts... that this is a proper case for further reduction.... I don't have any confidence whatsoever that you won't go out and continue to do exactly what you've done in the past. The other convictions didn't stop you. There's no reason to believe that this sentence will stop you either. So I think that the guidelines capture where the sentence ought to be. (June 6, 2008 Tr. 19:5-24.) Ramsey complains that the Court never expressly opined on the 100:1 ratio. But implicit in the Court's ruling was an admission that, in some cases, the crack/powder ratio suggested by the Guidelines is inappropriate. Ramsey's was simply not one of those cases.
At heart, Ramsey's claim derives from the Court's alleged misapplication of the Sentencing Guidelines. The Seventh Circuit already addressed and rejected this contention on direct appeal. The circumstances have not changed since then; neither Spears nor DOJ policy have recognized a constitutional right to be sentenced at odds with the Guidelines, nor have they instituted any changes to the Guidelines themselves. Consequently, the Court will not reconsider the issue. See Olmstead v. United States, 55 F.3d 316, 319 (7th Cir. 1995) (where there are no changed circumstances in fact or law, courts entertaining § 2255 motions may refuse to address issues already decided on direct appeal).
To the extent that Ramsey seeks to advance claims marginally different from the one he raised on appeal, he is prohibited from doing so. A § 2255 motion may not raise non-constitutional issues that could have been, but were not, raised on direct appeal. Belford v. United States, 975 F.2d 310, 313 (7th Cir.1992) (footnote omitted) (emphasis in original), overruled on other grounds by Castellanos v. United States, 26 F.3d 717 (7th Cir. 1994). On whatever grounds, Ramsey alleges that the Court misapplied the advisory Sentencing Guidelines.
Such claims are not constitutional in nature and can be brought on appeal. See, e.g., U.S. v. Harris, 567 F.3d 846, 853 (7th Cir. 2009) (remanding for resentencing to ensure that the district court understood that it could vary from the crack/powder ratio set forth in the guidelines). Any claims to that effect not raised on appeal are waived. See Barnickel v. United States, 113 F.3d 704, 706 (7th Cir. 1997) ("Non-constitutional claims like this one, which could have been raised on direct appeal but were not, are deemed waived even without taking cause and prejudice into account."). Despite his efforts, Ramsey's first claim is barred.
Ramsey's second claim alleges ineffective assistance of counsel for cutting off all contact after filing a notice of appeal. In doing so, Ramsey claims that he was denied the opportunity to consult with his attorney on important decisions, specifically, arguments Ramsey wished to raise on appeal. Ramsey's counsel instead submitted a motion to withdraw and a brief pursuant to Anders v. California, 386 U.S. 738 (1967).
To prevail on an ineffective assistance of counsel claim, a petitioner must show both that his counsel was deficient and that this deficiency prejudiced the petitioner. Strickland v. Washington, 466 U.S. 668, 687 (1984).An Anders brief "serves the valuable purpose of assisting the court in determining both that counsel in fact conducted the required detailed review of the case and that the appeal is indeed so frivolous that it may be decided without adversary presentation." Penson v. Ohio, 488 U.S. 75, 81-82 (1988) (footnote omitted). The Seventh Circuit has held that an appellate counsel satisfies the requisites of constitutionally adequate assistance when he or she follows the proper procedures for filing such a brief. See United States ex rel. Russo v. Attorney Gen. of Ill., 780 F.2d 712, 715 (7th Cir. 1986). That is, counsel need only conduct a conscientious examination of the case, file a brief referring to anything arguably appealable on record, forward a copy to the defendant, and inform him of his right to present other issues of potential merit to the court. Id. Moreover, "although actual consultation with the defendant prior to the filing of the request to withdraw and accompanying Anders brief is highly desirable, it is not constitutionally required." Id. (citation omitted).
Having found Ramsey's appeal frivolous, Ramsey's counsel filed a brief outlining potential grounds for appeal. Ramsey received copies of the brief, notice of his rights, and 30 days to respond. He complied, challenging the 100:1 crack to powder ratio, among other things. The Court acknowledges that counsel should ideally have consulted with Ramsey prior to filing his Anders brief. However, Ramsey's counsel was not constitutionally required to do so. See id. Given that Ramsey's counsel complied with all the procedures constitutionally required for withdrawal, Ramsey cannot claim that he was deprived of effective assistance for cutting off communications.
Nor can Ramsey show that his counsel's conduct prejudiced him. The arguments Ramsey sought to raise would not have altered the outcome of his appeal, as they are without merit. Due to his lawyer's absenteeism, Ramsey was allegedly denied the opportunity to argue that the Court failed to state its position on the 100:1 ratio, and that, if the Court disagreed with the Guidelines as a matter of policy, it should have adopted a replacement ratio before considering § 3553(a) sentencing factors. As examined above, the replacement ratio discussion is irrelevant because the Court, after admitting that it had the discretion to close the crack/powder differential, declined to vary from the Guidelines in Ramsey's case. Ramsey was sentenced at the lowest end of the applicable Guideline range. The Seventh Circuit acknowledged the Court's decision not to depart from the Guidelines, as permitted by Kimbrough,when finding this sentence reasonable. U.S. v. Ramsey, No. 08-1917, Order at 2 (Oct. 21, 2008).
Under Rule 11 of the Rules Governing § 2255 Proceedings, the Court must consider whether it should issue a Certificate of Appealability when entering a final order adverse to a petitioner. A district court may issue a Certificate only if "the applicant has made a substantial showing of the denial of a constitutional right." 28 U.S.C. § 2253(c)(2). The standard for making a "substantial showing" is whether "reasonable jurists would find the district court's assessment of the constitutional claims debatable or wrong." Slack v. McDaniel, 529 U.S. 473, 484 (2000). If a court denies a petition on procedural grounds, a petitioner must show that both the procedural ruling and the underlying constitutional claim are debatable. Id. at 484.
No conceivable constitutional violation arises out of the Court's decision against adopting a replacement crack to powder ratio in Ramsey's case. It is also not debatable among reasonable jurists that Ramsey's counsel provided him with constitutionally adequate assistance. Because Ramsey failed to make a substantial showing of the denial of a constitutional right, he is not entitled to a Certificate of Appealability.
For the foregoing reasons, Ramsey's Petition for motion for a sentence correction pursuant to 28 U.S.C. § 2255 is DENIED. The Court declines to issue a Certificate of Appealability.
David H. Coar United States District Judge
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February 28, 1972
Samuel MANEVICH, Plaintiff,
Francis I. duPONT et al., Defendants
Pollack, District Judge.
POLLACK, District Judge.
The plaintiff sues herein to recover losses sustained in margin trading in securities. The defendants are the stock brokers, members of the New York Stock Exchange, through whom the transactions were effected, and their registered representative who handled plaintiff's account. The case was tried to the Court without a jury on agreed upon findings of fact and on the oral and deposition testimony of employees of the brokerage firm. The plaintiff did not testify although he was present throughout the trial.
The sole claim tried is that the defendants permitted the plaintiff to purchase securities on margin in violation of the margin requirements imposed by Regulation T of the Federal Reserve System, 12 C.F.R. § 220, promulgated pursuant to Section 7 of the Securities Exchange Act of 1934, 15 U.S.C. § 78g.
The background is as follows.
Plaintiff was a margin trader in securities prior to 1969 and was the holder of a considerable number of speculative issues. On or about January 6, 1969, plaintiff opened a new margin account with the defendant brokerage firm through the individual defendant, one of its registered representatives, and instructed the transfer of his entire margin account maintained with other brokers to the defendant firm. The transferred account contained 8,757 shares of the stock of 26 different companies held as collateral security for an indebtedness to the former brokers of $36,713.64 which the defendant firm paid to the transferor on plaintiff's behalf.
In connection with opening the new account, plaintiff signed the defendants' usual customer's margin trading agreement, by which he undertook at all times to maintain margin in his account as required by the brokers from time to time. During the period that plaintiff maintained his account with defendants, the maintenance requirement set by the defendants called for a margin of 30% of the market value of the securities carried in a customer's account. This house rule required a higher margin than the 25% minimum which the Rules of the New York Stock Exchange required its members to prescribe as maintenance margin. Rule 431, New York Stock Exchange Guide, P2431 (1957).
Following the opening of his account, the plaintiff bought and sold securities therein, deposited cash as additional collateral, received dividends in the account from securities on hand, was debited with the cost of securities purchased and charged interest on the money balances owing to the brokers. He regularly received monthly statements of all transactions.
During 1969, plaintiff made 19 stock purchases on which he claims to have sustained an actual or paper loss in 1969 through 1971. He seeks to shift this loss to the brokers in this suit. These purchases involved 2,900 shares of the securities of 16 different corporations. In August, 1970, plaintiff's account fell below the 30% minimum margin which he was obligated to maintain. Sales of securities in the account were effected, resulting in the credit to the account of proceeds which were less than the cost to the plaintiff of the securities sold. By this suit plaintiff seeks also to recover this difference from the brokers.
This suit was commenced on December 23, 1970.
Regardless of the motivation of a customer who sues his agent for trading losses derived from unlucky speculation, it has been held that the customer has a right to seek damages resulting from purchases made in violation of Regulation T. Pearlstein v. Scudder & German, 429 F.2d 1136 (2d Cir. 1970). Such holdings are deemed to be required as a means of protecting the public from margin violations by brokers and dealers. Idem 1140. Consequently, a detailed analysis must be made to determine whether plaintiff's "buying power" in his accounts used to effect each of the purchases equalled the minimum initial margin requirement of 80% imposed in 1969 by Regulation T. A detailed scrutiny of the margin situation in plaintiff's accounts at the time of each purchase shows that there were free funds on hand with the brokers sufficient to meet the 80% initial margin requirement in every instance. Plaintiff's contentions to the contrary lack merit.
Plaintiff attempted to show that each of the transactions in issue was undermargined in violation of Regulation T, by use of the stipulated figures describing a) the value of the collateral in plaintiff's account and b) the debit balance due the brokers on the days of each purchase. He concluded two things from these two figures: 1) that the extent of margin legally available to make a purchase was 20% of the value of the collateral in his account; and 2) that since the existing indebtedness to the brokers in plaintiff's account was in excess of 20% of the aggregate market value of the collateral in the account, there was no "buying power" to meet initial margin requirements for the new purchases.
However, the source for satisfying Regulation T was not the securities existing in the account but a Special Miscellaneous Account, a type of memorandum account employed not only by these brokers for each of their customers but by virtually all other brokerage firms as well.
The Special Miscellaneous Account, or SMA as it is popularly known, is an account which contains and from which is drawn, by an accounting transfer, the margin needed to comply with Regulation T whenever a purchase of securities is made partly on credit. The available credit balance in the SMA consists of cash deposited by the customer, dividends on securities held by the broker for the customer's account, any available portion of the sales proceeds of securities sold in the margin account by the customer,
and any appreciation in market value of the securities held in the account over the price at which they were purchased.
Table I of the Appendix hereto, sets out, pursuant to stipulation, the history of plaintiff's SMA from just before the first transaction in question, dated March 11, 1969,
through the last transaction on December 11, 1969. Table I indicates that credit in the SMA was available (column 5) and did provide (column 3) the 80% initial margin required for each of the transactions in question. This table also indicates the extent of the credits to the SMA during this period and their sources, i.e. cash dividends, cash deposits, and proceeds available on sales of securities.
The issue briefed by the parties concerns the propriety of the use which the brokers made of the SMA in handling the plaintiff's accounts. The legal arguments of both parties center on the question of how the Special Accounts provision of Regulation.T applies to this case, particularly the subsection entitled Special miscellaneous account, 12 C.F.R. § 220.4(f). The plaintiff contends that this subsection precludes the brokers from applying SMA credits to achieve the initial margin required under Regulation T for each transaction. The defendants contend to the contrary.
Plaintiff asserts that the practice in question is covered by 12 C.F.R. § 220.4(f)(8), and he concludes that the practice is illegal because the credit in the SMA is used for the purpose of "purchasing or carrying or trading securities."
In the alternative, apparently, plaintiff contends that the practice is covered by 12 C.F.R. § 220.4(f)(6), but is illegal under that subsection because the credit in the account is extended as a loan and not as an outright payment.
Defendants respond with the assertion that "Plaintiff's reliance on 220.4(f)(6) and (8) is unfounded as these provisions apply to non-purpose loan accounts -- that is where the customer withdraws money for purposes other than the purchase of securities".
The suggestion is offered on defendants' behalf that 12 C.F.R. § 220.4(f)(1) supplies the basis for transfers of credit from the SMA to cover the margin purchases. That regulation authorizes use of credit in the SMA "to meet the emergency need of any creditor." Self-evidently, however, there is no emergency to a practice maintained by brokers on a day-to-day or transaction-to-transaction basis. Consequently, we may not look to § 220.4(f)(1) as the basis for an accounting transfer to make up the initial margin requirements on purchases.
The regulation which does ground the use of SMA credit for purposes of complying with Regulation T in margin purchases is § 220.4(f)(6). This, in pertinent part, reads as follows:
In a special miscellaneous account, a creditor may: (6) . . . [ Pay ] out or deliver to or for any customer, any money or securities. (Emphasis supplied.)
If a broker can "pay out" to a customer "any money" the customer has in his SMA, then the broker can "pay out" that value to any other account of the customer, including a margin account, instead of simply handing over the cash. Thus the analogy to a bank account, pressed by the brokers, is fairly accurate.
The plaintiff is in no position to protest surprise in view of the following notice on every page of every monthly statement received by plaintiff:
If this is a margin account this is a combined statement of your General Account and of a Special Miscellaneous Account maintained for you under Section 4(f)(6) of Regulation T issued by the Board of Governors of the Federal Reserve System. The permanent record of the Separate Account as required by Regulation T is available for your inspection upon request.
Funds represented by any free credit balance in your account . . . are not segregated and may be used in the operation of the business of F.I. duPont, Glore Forgan & Co., in any type of account. However, such funds are payable to you on your demand.
The technical issue of whether the SMA can be used as a repository of customer's "buying power" obscures, however, the central issue of whether the credit in the SMA constitutes "buying power" employable without violation of initial margin requirements. There can be no question that credit for dividends and cash advanced by the customer represents valid buying power. In this case, only two further questions remain. One concerns the validity of crediting to the SMA part of the proceeds from the sale of margined securities. The other involves the problem of substituting margined securities by purchase and sale on the same day.
The retention provision of Regulation T in effect at the time of the transactions in question required that 70% of the proceeds of a sale of a security, where that sale would result in an excess of the adjusted debit balance over the (30%) loan value of the securities held in the account, be retained in the account and not applied to the purchase of new securities. 12 C.F.R. § 220.8(e)(1) (Revised as of January 1, 1969). This, however, freed 30% of the proceeds of the sale to the customer's use. The use of that value in margin purchases was valid and consistent with Regulation T. See 2 L. Loss, Securities Regulation 1250, n. 37 (1961, Supp. 1969).
The analysis of the SMA set out in Table I shows certain same-day purchases and sales of margined securities. Where a purchase and a sale of securities have been made on the same day by a customer, then those two transactions will be cleared under the Exchange rules, that is settlement will be made, on the same day, five business days after the purchase and sale. The net effect is that the account of the customer is credited or debited by the amount of the difference between the buy and the sell. Thus, the margin requirement, when there are purchases and sales on the same day, is a requirement that the difference between the buy and the sell be margined at the appropriate percentage, in this case 80%.
2 L. Loss, Securities Regulation, supra.
Plaintiff bases his contention that a pay-out from the SMA is an illegal loan on the fact that whenever the SMA is credited (as a result of a cash deposit, for example), the customer's debit balance is also reduced by that amount.
Plaintiff asserts that these uses of credits in effect provide two dollars for margin trading purposes for every dollar supplied by the customer and moreover, that the "extra" dollar so used constitutes an illegal loan. These contentions are a tissue of confusion.
Underlying the plaintiff's confusion is the failure to give effect to the distinction between initial margin requirements under Regulation T and maintenance margin requirements which stem from the credit terms on which a margin account will be carried by a brokerage house pursuant to its own house rules, or alternatively, the Exchange's minimum requirement of margin. The amount of the customer's permissible debit balance is related to the question of compliance with maintenance requirements, not to initial margin requirements. In this case, in addition to showing the sufficiency of initial margin for the purchases in question, the brokerage firm's figures comparing the value of the securities long in the account with the customer's debit balance, from time to time, demonstrated that the maintenance margin requirements were also met in plaintiff's account.
The proof unequivocally demonstrates that each of the 19 purchases in question met the requirements of and did not violate Regulation T. Accordingly, the complaint is dismissed, with costs.
The foregoing, together with the footnotes and Appendix hereto and the agreed findings of the parties, shall constitute the findings and conclusions required to be set forth by F.R. Civ. P. 52(a).
So ordered.
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COLUMBUS, Ohio - After getting through its toughest stretch of the season, Ohio State is back at No. 1.
For Statesboro, the party was over before the fun ever started.
MARANA, Ariz. - J.B. Holmes and Bubba Watson are in the quarterfinals of the Match Play Championship, and it's not hard to figure out how they got there.
MARANA, Ariz. - In a Match Play Championship with a youthful complexion, Rickie Fowler was dressed in matching pink shoes and shirt when he walked onto the driving range and past his opponent, Phil Mickelson, who looked him up and down and smiled.
WASHINGTON - The NFL wants all 50 states and the District of Columbia to pass legislation that could help cut down on concussions suffered by young football players.
Georgia's turkey hunting season opens March 26 and runs through May 15 this year. With that date only about a month away it's time to talk about some things that could help you bag one of these wily critters of our woodlands.
WASHINGTON - After negotiating through the long holiday weekend, NFL and the players' union kept going Tuesday, undeterred by a blanket of snow and ice that slowed down the usual bustle of the nation's capital.
UConn coach Jim Calhoun was suspended by the NCAA for three games next season for recruiting violations committed under his watch, though the program dodged a major sanction when it was spared a postseason ban.
GREENBURGH, N.Y. - Amare Stoudemire says the Knicks will be "hard to guard" with Carmelo Anthony joining him in New York.
Tiger Woods is the talk of the Match Play Championship again.
Bulloch County is going to be a busy place when the Georgia High School Association state basketball playoffs begin this week.
or me, it has been a long, cold winter.
LOS ANGELES - Fred Couples was starting to show his age Saturday at Riviera.
LOS ANGELES - Kobe Bryant needed only a quick survey of the All-Star rosters for the names to jump out at him.
DES MOINES, Iowa - An Iowa high school wrestler who was one of the favorites to win his weight class defaulted on his first-round state tournament match rather than facing one of the first girls to ever qualify for the event.
STATESBORO – The Georgia Southern men's soccer team sent its three seniors out in fine fashion Saturday night as the Eagles defeated long-time rival Appalachian ...
KANSAS CITY, Mo. - Tennessee Tech is picked to finish second in its division of the Ohio Valley Conference, and coach Steve Payne is hopeful that ...
Georgia Southern entered the season with high hopes, but now instead of fighting for a conference championship it is battling to earn a bowl berth.
Coming off a 34-10 loss to Appalachian State and a loser in four of its last five games Georgia Southern is a frustrated football team.
LAS VEGAS - Rod Pampling followed an opening 11-under 60 with a 68 on Friday to keep the lead in the Shriners Hospitals for Children Open.
CHICAGO - November blazed like dazzling springtime in Chicago during a massive parade and rally Friday to honor the Cubs' first World Series title in 108 ...
FORT WORTH, Texas - Austin Dillon is on the pole for the NASCAR Sprint Cup race at Texas two weeks after a heartbreaking finish knocked him ...
FLOWERY BRANCH, Ga. - A short work week couldn't slow the Atlanta Falcons' high-scoring offense.
CHAPEL HILL, N.C. (AP) - It's always tough for North Carolina to stop Georgia Tech's intricate triple-option offense.
LEXINGTON, Ky. (AP) - Kentucky looks to reach what has been an elusive plateau when the Wildcats host a Georgia squad desperate to halt a stunning ...
Grab a cup of coffee and spend some time re-living the Georgia Southern Eagles sweeping the Sun Belt Conference through the eyes of Herald Staff ...
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text: #9 @thejennabee by Hardly Twittarded published on 2013-06-07T02:57:27Z Jennabee and a call from Anneschief Genre comedy Comment by Def_not_Sirrruh I think this is the part where Sirrruh finds satellite photos of Jenna's house and begins making plans to stalk her. 2013/06/13 14:41:31 +0000 Comment by Hardly Twittarded @anne-marie-schiefer: It's been a friend for a while but won't do what I fucking need it to do. ha 2013/06/07 20:32:35 +0000 Comment by Anne-Marie Schiefer OMFG, it's so loud in my house. 2013/06/07 18:29:52 +0000 Comment by Anne-Marie Schiefer Skype can go get drowned in cat piss 2013/06/07 16:29:20 +0000 Comment by Def_not_Sirrruh I hate Skype. 2013/06/07 14:13:42 +0000


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From the Archives: Jolie Holland - Springtime Can Kill You
Posted at 4:00pm, 4/1/2011
Jeremy from Fingertips joins us each month as he scours the betterPropaganda archives, highlighting gems buried a few years back in our database.
This month we bring you "Springtime Can Kill You" from Jolie Holland.
Rather than killing you I believe that spring is the perfect time of year for, among other things, a song this ripe and unhinged. Sounding like a lounge-based, accent-free Björk, Holland skates, slides, and flutters through the tune, all but deconstructing its wonderful melody--and making it all the Tom Waits-ishly more wonderful in the process. Holland by the way is actually making the opposite point her title implies, itself a neat songwriting trick: "If you don't go get what you need/Something's going to break on the inside"; springtime kills the part of you that needs to be killed, in other words; in other words, the blossoms and colors and scents and breezes force you to be as alive as you actually are all the time without realizing it, or at least try. The song, the title track on her 2006 CD on Anti Records features an upright bass, baritone horn, and Holland's fun-house whistle, and it's all crazy perfect. "So get out get out of your house," she purrs. So saying, I will.
[ play ] | [ download mp3 ] Jolie Holland - Springtime Can Kill You
- Jeremy Schlosberg


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Omuta Eid Al Fitr Gifts
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signed Hardcover
by Henry, Marguerite
Rand Mcnally & Company, 1956. Hardcover. Very Good/Very Good. Dennis, Wesley. Signed by Author. New York: Rand McNally & Company, 1956. 1956 Edition. Hardcover. 223 pp. Very good, in a very good price clipped jacket. Corners bumped. Jacket has light edge wear and a bit of sun to the spine. Small closed tear at the top of the front panel with a half-inch chip at the bottom. Signed by author, Marguerite Henry, on the half-title page. (Inventory #: 042867)


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LTC William Lamont Abbott
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Dec. 31, 1915
DuPage County
Illinois, USA
Jan. 21, 2009
Rowan County
North Carolina, USA
William Lamont Abbott
SALISBURY - William Lamont Abbott, (retired Lt. Col., U.S. Army), 93, of Salisbury, passed away Wednesday, Jan. 21, 2009, at Rowan Regional Medical Center.
Mr. Abbott was born the eldest son of Arthur W. and Helen Abbott on Dec. 31, 1915, in Lisle Township, DuPage County, Ill. He received a BA degree from North Central College and DVM from Ohio State University.
He retired from the U.S. Army Veterinary Corps in November 1961 following 21 years of continuous service, including World War II and Korea. He also performed various duty assignments stateside, overseas in Alaska, the Far East and Europe.
Following retirement from the U.S. Army, he was employed for five years with North Carolina Department of Agriculture as Assistant State Supervisor in the state meat and poultry inspection program.
In 1967, Mr. Abbott moved to Wisconsin Department of Agriculture as Assistant Administrator of the Meat Inspection Division, which at that time was establishing a new state meat inspection program, and continued in that position until retirement in March 1981.
He was a life-member of The Retired Officers Association, which became Military Officers Association of America (MOOA) on Jan. 1, 2003; Veterans of Foreign Wars; Disabled American Veterans; BPOE Elks; Wisconsin Veterinary Medical Association; Madison Firing Squad; and Rowan County Honor Guard.
Mr. Abbott was preceded in death by his wife, Grace P. Abbott, on Feb. 8, 2002.
Survivors include his daughters, Katherine G. Jones of Salisbury, Dorothy Glasgow and Linda G. Dupree, both of Raleigh, and Helen A. Rife of Tallahassee, Fla.; and sister, Ruthanne A. Baird of Elmhurst, Ill.
Graveside Service: 2 p.m. Friday, Jan. 30 at Salisbury National Cemetery. Military graveside rites will be conducted by Ft. Bragg Honor Guard.
Memorials: In lieu of flowers, memorials may be made to Lutheran Home at Trinity Oaks, Alzheimer's Unit, 820 Klumac Road, Salisbury, NC 28144.
Lyerly Funeral Home is assisting the Abbott family.
Published in Salisbury Post on January 25, 2009
Family links:
Grace P. Abbott (1916 - 2002)
Salisbury National Cemetery Annex
Rowan County
North Carolina, USA
Plot: Section 8 Site 146
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Record added: Jun 11, 2010
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Remembering all veterans this Memorial Day Weekend. Rest in Peace.
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Renée is an experienced west coast trial attorney who focuses her practice on business and intellectual property disputes. Her cases include trademark, patent and copyright infringement, licensing disputes, partnership and breach of contract disputes, unfair competition and noncompetition agreements. Renée is tenacious in the courtroom and represents her clients with confidence and determination.
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(65) stories found containing 'steve bullock'
Sorted by date Results 1 - 25 of 65
Governor's AIS Rapid Response Team Comes to Glasgow
Governor Steve Bullock issued an executive order declaring a statewide natural resource emergency for Montana bodies of water, due to the detection of the larvae of invasive aquatic mussels at Tiber Reservoir and suspected detections at Canyon Ferry... Full story
Victories for Trump, Zinke and Bullock Projected as Polls Close
In addition to the State of Montana's three electoral votes going to Donald J. Trump, who at press time was projected the likely winner of the overall 2016 presidential race, statewide and local races were still in play. Representative Ryan Zinke... Full story
Gianforte and Robinson Stop in Glasgow
Bozeman businessman and tech entrepreneur Greg Gianforte and running mate, rancher and Phillips County Commissioner Lesley Robinson visited Glasgow Nov. 1 as part of their final whistle stop tour before election day. During their tour, they'll... Full story
Helland Named to List of Judicial Appointees
Governor Steve Bullock is currently considering four candidates for appointment to serve as judge on Montana's 17th Judicial District. The position is currently being held by the embattled Judge John... Full story
Greg's Top Ten
When I first came to Montana more than 40 years ago, I fell in love with the natural beauty and the people. I knew, back then, that I wanted to make a life in Montana. When my wife and I founded a technology company in our home in Bozeman nearly two... Full story
HLRC Adds, Replaces Board Members in Malta
Following a nearly two and half-hour meeting with over 20 members of the public, The Hi-Line Retirement Board of Directors replaced three current members of the board and voted in a new member to fill a vacant spot during a private, executive... Full story
Bullock Unwilling to Debate in Northeast Montana
Governor Steve Bullock has declined an invitation from The Courier to debate in Northeast Montana, following a successful congressional debate between Congressman Ryan Zinke and challenger Denise Juneau held in nearby Frazer on Aug. 29. Bullock... Full story
Let's Protect Our Public Schools
Whenever I visit rural Montana and see the public schools at the center of each town, I am immediately reminded of Montana's strong public education system and how important it is to the success and livelihoods of our rural communities. I strongly... Full story
Valley County Primary Roundup
Montana's election primary was held last week on June 7. For the Democrats, Valley County voted 344-337 for Hillary Clinton, while Bernie Sanders won at the state level. On the Republican side of things, Donald J. Trump took landslide victories at...
Election Information
Montana's primary election is set for Tuesday June 7, and Valley County voters have a lot of opportunity to do their civic duty and make their voices heard. Polling places will be open for voters as follows: Precinct 1, Fort Peck (Fort Peck... Full story
Valley County Primary Election Results, June 8, 2016
VALLEY COUNTY PRIMARY RESULTS (Posted at 8:30 a.m.) President – Dem Primary Hillary Clinton 344 Bernie Sanders 337 No preference 56 President – Rep Jeb Bush 42 Ted Cruz 161 John Kasich 96 Marco Rubio 58 Donald Trump 1,250 No preference 99... Full story
Clinton vs. Sanders Race Rolling Toward Montana
As the race for the Democratic presidential nomination heads deeper into spring, some Montana Democrats are wondering if lightning will strike twice. That's because for the second time in eight years their party may not have a clear-cut...
Medicine Crow an Advocate for American Values
As was widely reported, Joseph Medicine Crow, a chief of the Montana Crow Tribe of Montana and a Native American historian, died in a hospice in Billings on April 3 at the age of 102. Medicine Crow was raised on a Crow reservation near Lodge Grass, M...
Bullock Appoints Local Attorney
Nick Murnion, Valley County attorney, has been appointed by Governor Steve Bullock to serve the 16th Judicial District. Prior to serving Valley County, he was the county attorney in Garfield County and a private practice attorney. The 16th District... Full story
Montana's Bison Burden
Montana has a rising wave of conservationists from near and far choking the interests of our state's historical and economical foundation. Squeezing slowly, our governor, the American Prairie Reserve and Bureau of Land Management have tightened... Full story
Ruth Ann Hutcheson Recognized by Governor
Governor Steve Bullock, First Lady Lisa Bullock, and the Governor's Office of Community Service recognized RuthAnn Hutcheson of Glasgow on Friday, February 12 at the state capitol for her outstanding...
Nominations Sought For Montana Outdoor Hall Of Fame
A group of Montana state agencies and conservation organizations is seeking nominations for the second round of inductees to the Montana Outdoor Hall of Fame. The MOHOF honors individuals who have contributed to the restoration and conservation of...
No National I.D., Thanks
Recently the Department of Homeland Security (DHS) granted Montana an extension of time to conform to the "REAL ID" law passed by Congress in 2005. In a nutshell the REAL ID law demanded that state driver license and identification cards conform...
Governor, Canadian Consul Honor Nashua's Shirley Ball
Recently, Montana's Gov. Steve Bullock joined with Canadian Consul General Marcy Grossman in welcoming guests to a retirement reception in honor of Honorary Consul Shirley Ball of Nashua. The...
It's Time to Free Barry Beach
"It [is] more a duty [of an Attorney General] to save an innocent than to convict a guilty man." We know we do not live in a perfect world where only the guilty are convicted and the wrongly accused go free, but prosecutors can sometimes seem...
Governor Steve Bullock Signs Bill Making Scobey Soil Official State Soil of Montana
Governor Steve Bullock was joined by Sen. J.P. Pomnichowski, former Governor and soil scientist Brian Schweitzer, and students from Longfellow Elementary School, as he hosted a ceremonial signing of SB 176, making the Scobey Soil the official state... Full story
Bison Bill Gets The Boot, APR Requests Change In Grazing
After a lot of work on a bill that passed both through the Montana Senate and House, Sen. John Brenden-R was disappointed yesterday as his bill SB 284 was vetoed. The bill would allow county...
Public Pre-K Problems
It was a very well thought out argument at the last Glasgow School Board Meeting on Thursday, April 16. Glasgow Head Start Coordinator Pam Ost spoke out to the trustees about thinking about saving a part of the old Irle School building, to be used...
Senate Injects Money Into Budget Bill
A Montana Senate panel put about $50 million into the state budget bill last week, after Democratic Gov. Steve Bullock said the budget crafted by House Republicans was unacceptable. The panel added about $25 million in amendments to House Bill 2,...
Talking Energy, Sage Grouse Not Easy
A chicken-sized bird has gotten energy industry advocates and conservationists, Republicans and Democrats working together to prevent it from becoming the next native Montana species listed as endangered or threatened: the sage grouse. "This...


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- Note: Shipping restrictions may apply based on location and product size.


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idli sambar are usually served with every tiffin in hotel. the sambar served along with dosa / idli are different than the one served along with rice.
ennegayi | stuffed brinjal | bharli vangi | bharwa baingan recipe - http://hebbarskitchen.com/ennegayi-recipe-stuffed-brinjal-bharli-vangi-bharwa-baingan/
Mysore Pak - The ever famous Indian sweet made with besan flour (chickpea flour) and ghee. The perfect melt in your mouth texture you would go crazy for.
dahi sandwich
bisi bele bath masala powder - http://hebbarskitchen.com/bisi-bele-bath-masala-powder/


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The Graduate Certificate in Software Design & Development (GCSDD) admits for Autumn Quarter only. The application deadline is July 1st. All application materials must be received by this date.
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The Graduate Certificate in Software Design and Development does not meet the minimum enrollment requirements for students studying in the United States on an F1 Visa. There may be some exceptions to this restriction; please contact the Center for International Education at email@example.com for further information.
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Premium Flat World Map Necklace (Available In 3 Different Colors) - FREE SHIPPING WORLDWIDE
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Miriam W.
Nice necklace, all friends like it
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Expedient shipping and the item is exactly as promised! Love it!
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From Spain, we are in love with Wanderlustique!!
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I really love it!
Sarah R.
Exactly what I wanted! Even more beautiful in person!
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Customer Service was great. Received an instant reply to my message. Thanks
Melissa C.
Couldn't have been more happy about the quality of this necklace!! Strong chain, and the weight of the necklace itself. Truly worth the price!!
Betty W.
Nice piece of jewellery
Rachel R.
nice necklace, perfect x-mas gift for wanderlustiquers
Lindsay S.
This necklace is really cute. I get comments on it constantly. I thought it was a bit smaller but I still like it
Annie S.
I got my product and it was what I ordered! I'm happy!
Patricia D.
This necklace is everything I hoped it would be. Very sturdy with a durable chain. As a world traveler, when I have it on it is a reminder of the places I've been. But it also keeps me reminded of my 'bucket list' and all that is yet to explore. I also gave one to my sister-in-law, who is such a great travel partner with me. We are now both 'in the club' and it suggests that we need to plan our next adventure!! Thank you for such a unique piece of jewelry!
Gail L.
Bought for my map loving 4 year old grand daughter. She loves it.
Michael C.
This is a product I have never seen before = my wife will enjoy it for years to come.
Celia D.
great customer service! such fun products!
Macarena O.
I thought it was smaller and more delicate but still I wear a lot and think its really original and creative :)
Leandra C.
looks really nice
Sheila Z.
Beautiful necklace. Everyone loves it as well!
Malvina B.
I loved it! Is beautiful and perfect size =) Thanks a lot! My friends want one and I recomended you =)
Tristian S.
I purchased two rose gold flat map necklaces, one for me and the other a gift for a friend. They came within the time frame I was given, and at a good price. I've already gotten many compliments on the necklace and I've had it less than a month. Love it.
Tal C.
the necklace itself has a more "pinky" color than I expected (got the gold-pink). it has a really nice look and it adds a nice touch :) I only wore it once and it got a little bit tangled.. I mean it moves on the little rings that connect the continents. but it's really cool so I don't really mind :) and it shipped pretty fast so over all it was really good and I'm happy
Keelah J.
My necklace is fantastic! I am well pleased.
Rashida B.
Took a while to get it, but definitely worth the wait! Exactly as it appears in the pictures. Love the rose gold and the regular gold looks great too.
Sharina Z.
Very beautiful!!
lorraine r.
So great, am going to wear it everywhere.
Kathi W.
Perfect gifts for my daughter that is a flight attendent
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It was a gift, and the reaction on her face was amazing, everything she expected and the necklas was better looking in person, thank you for the amazing website will order more items in the future!
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Love at first sight <3
Terry B.
This necklace is for my daughter-in-law who is very "mission-minded". It's one of her Christmas gifts and I know she'll love it!
Veerle T.
Phillip G.
My item came on time and it looked great!
Serina C.
Product came as shown. Necklace chain a bit short but otherwise it was as expected.
Sarah S.
like it
Camille P.
Awesome necklace, shipping faster than expected!
Kristina L.
Love my world map necklace! I get tones of complements. Bought another one for a gift!
Heather M.
Seems to be good quality. Thank you!
Aria D.
Heather B.
I love this necklace! It reminds me to pray for my friends living around the world and brings to mind many memories from the places I've visited. Great adjustable length, so it works with many different outfits. Thanks, Wanderlustique!
Loicq C.
I buy il for m'y girl friend se lives in brazil si i cant send fotos but il is verry Nice
Sonya W.
I was very pleased with how the world necklace looked and felt. It does not look cheap or poorly made. I've gotten many compliments on it already!
Laura H.
Love my necklace from Wanderlust! Every time I wear it I get tons of compliments!
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Just in the first day of wearing my world necklace I got so many compliments. This could be due to the fact that I rarely wear jewelry, however the necklace was amazing. I have worn it at least 1 day each week since I got it.
Jenn H.
Unique! Have had many compliments on it already.
Vanessa V.
I gave it to my best friend as a Christmas present. She's an avid traveler & absolutely loved it!
Amorion R.
It was worth waiting <3
Valentina R.
I love the world necklace and now I have it! Thank you!
Francesca D.
I personally love to travel so my friends love that I have a world map close to my heart...literally :-) Lightweight, goes with everything (dress down or dress it up). Definitely suggest it for any wanderlust lovers and the explorers in your group!
Aoife C.
The necklace is beautifully made and makes any outift look funky!
Charla P.
Bought this necklace for my best friend. I was very happy to see the quality of the piece. I would feel comfortable ordering something else after receiving her gift
Kristina L.
It's so pretty! I love it. Only issue is the side against your skin is a bit ruff, and irritates my chest a little. Otherwise an amazing necklace!
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It's very nice. Shipped quickly.
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It looks just like the picture - ordered a rose gold and the dark silver and had no surprises. Happy with the purchase!
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I absolutely love this necklace! It's extremely comfortable and so, so pretty. I wear it almost every day and I get complimented every time I wear it out. It even matched my Supergirl costume this year for Halloween. Definitely worth it!
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Love it!
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A lovely addition to my necklaces :)
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Very nice product, easy website to maneuver, and fast shipping.
Siara L.
Its a very pretty necklace
Henna R.
I bought two, one for me and one for my best friend and we're both in love with the necklaces! I was a bit hesitate of the color rose gold but now I'm more than happy to had chosen it ^^ looks really nice
Virginia M.
This necklace is just what I expected from the pictures. It is well made and the gold looks very good.
Mellisa T.
Honestly it's such a cute necklace! Very happy with this purchase. :) it's just as cute, if not more than the photos online! I haven't taken it off since I received it!
Karen O.
Mariapia B.
I love travelling... and everything about it! I do love this necklace, I bought two in rose gold colour, the other one is for a friend of mine who is travel addicted too :) It took more than a month to get it (I live in UK) and I'd prefer if the chain was a bit nicer, but I noticed it before making my order, so I can say that the necklace is really lovely and I'm so happy to wear it!
Marta R.
When I saw it I loved it! The only thing is I thought it was smaller and I would have prefered it. However, I still like it.
Took a while to arrive in Germany but I'd a wonderful necklace
Ana M.
I was so excited to get it I had to wear the day after! It suits me great and I got a lot of compliments about it! Good job!
Violeta S.
I am so happy i bought this necklace!
Szymon P.
it looks beautifull!!!
Lori C.
I bought this necklace for my daughter for Christmas it's in rose gold it's beautiful and worth the wait !!
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Super Eagles captain John Obi Mikel will, according to team's sources, donate part of his share of the $390,000 awarded to the bronze winning Nigeria U-23 team at thae Rio 2016 Olympic Games.
Katsuya Takasu, a Japanese surgeon made good his promise to reward the team for their bravery in Rio after they beat Honduras 3-2 for the bronze medal.
The Nigeria Football Federation and the Sports Ministry made their observations known by insisting that the money must be from a credible sources, but according to feelers from the camp of the Olympics Eagles, the NFF were only seeking for means of getting their hands on the money.
However, Takasu issued two Citibank cheques $200,000 in the name of coach Samson Siasia and $190,000 in the name of Mikel.
One of the team's officials disclosed to Africafootball.com that the team vowed not to hand over the money to the NFF.
"Mikel has insisted all of us will get our share of the money. That we should not mind what the people in the NFF are saying.
"He will make available this cash when he comes for next month's AFCON qualifier against Tanzania in Uyo."
A team meeting has already resolved that both players and officials will receive equal amount of the cash with Mikel himself agreeing to give part of his own share for the chief coach (Siasia) to get more than the rest of the squad.
It was further gathered that the sharing formula agreed was a flat rate for the 22 players (18 accredited players and four alternate players) and 10 officials.
Mikel donates Japanese largesse to Siasia on Vanguard News.