text:
Pros of Liposuction
There are many advantages to this cosmetic procedure, consisting of:
• Instantly obvious changes. Unlike standard weight-loss, liposuction creates changes that are right away visible in the body. Some distinction is obvious right away, and the desired results are typically achieved in simply a couple of days.
• Proven and safe. This cosmetic treatment has actually been carried out by seasoned cosmetic surgeons all over the world for years and the technique has actually been refined over and again to be safe and efficient.
• Recovery time is typically quickly. The downtime required after having this type of procedure is usually much less than exactly what is needed for other kinds of cosmetic procedures, including tummy tucks, breast reduction, and more. People who have had the treatment can frequently return to work far more quickly than they anticipated and can get back to living a healthy, active way of life.
• Weight reduction can be long-term. With the best upkeep methods, the fat that was eliminated throughout the liposuction procedure will not return.
• Complete control over your physique. With liposuction, an individual can have complete control over how they want to look, beyond what conventional diet plan and exercise can offer. Offering people this power over their bodies enhances self-confidence and aid people feel their best.
While there are numerous benefits to liposuction, there are obviously a few cautions that need to be taken into account prior to making the final decision to progress with the procedure.
Cons of Liposuction
Before having actually liposuction done, it is very important to analyze the prospective downsides of the treatment and determine if the benefits exceed the dangers in your particular case. Your specialist can assist you learn more about the risks associated with the treatment and can assist you decide if moving on is the best thing for you.
• Problems with general anesthesia. Because liposuction is performed under general anesthesia, the procedure carries the very same threats as any other kind of surgery where general anesthesia is used. Underlying medical conditions may enhance these risks.
• Unfavorable responses. Bruising, bleeding, and pain are all to be expected, nevertheless, in uncommon cases can trigger more considerable issues.
• The prospective to gain the weight back. After having actually liposuction done, it is important to keep a healthy diet and workout correctly as recommended by your physician. Failure to do so might cause gaining back the weight that was lost or perhaps much more.
There are dangers associated with liposuction, for lots of individuals, the benefits far outweigh them. Educate yourself about the procedure by having thorough conversations with your surgeon and consider how liposuction has the possible to affect you as an unique person. Just you and your cosmetic surgeon can determine if liposuction will provide you with the results you are trying to find within your expectations.
Laser Liposuction procedure is a new non invasive procedure to loose unwanted bodyfat in Valley View Pennsylvania
Laser liposuction is a newer, minimally intrusive treatment that includes heating the fat cells to melting point and eliminating the melted fat through a little cannula. The procedure is generally done right in your doctor's office and is an outstanding choice for individuals who have less than 500 ml of fat to eliminate from any one location. Laser liposuction can be a safe, complementary treatment to weight-loss in order to shape the body you've constantly desired.
Contact a Surgeon in your Valley View Pennsylvania today.
If you're considering liposuction as a weight loss option, it is essential that you discuss your desires with a qualified plastic surgeon in your location. Your cosmetic surgeon will carry out a complete exam and health history questionnaire to figure out if liposuction can benefit you and help you reach your physical and emotional objectives. Call today for an examination and find out more about how liposuction can assist you accomplish the body of your dreams.


text:
Display Ads
Dir. of Advertisers
Mail: Murky gas price irks Colorado traveler
Groene at the Legislature: Running for chairman of the Education Committee
More opinion
Seats open on Noxious Weed Board
Taxes, ag economy to be focus of annual Farm Bureau convention
More Ag News
The "Dresses for a Cause" prom boutique will be held on Friday and Saturday, Feb. 22-23 at the Platte River Mall, offering new and gently used prom dresses and accessories for $20 and less, organizer Matt Fosket said.
The Prom Boutique is organized each year by the Lincoln County Child Abuse Prevention Council. All proceeds go towards providing free "Stewards of Children Sexual Abuse Prevention Training" to adults in the community.
The prom dress boutique will be open from 5:307:30 p.m. Feb. 22 and from 10 a.m.3 p.m. Feb. 23.
For more information, visit www.lincolncountychildren.com or email firstname.lastname@example.com.
Flatrock Publishing, Inc.
1300 E 4th St., Suite F
North Platte, NE 69101

subset: commoncrawl


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$ 89.99 $ 119.99
Beautifully crafted, modern canvas tote for bringing your precious pup out on the town! Navy blue stripe design, featuring 5 pockets, a zipper mesh window along the top and one side. Inner tether attached to hook onto your dog's harness for security.
The Nautical Stripe Tote measures 17" L x 8" W x 13" H. Please take these measurements into consideration when ordering. Recommended for dogs 15lbs and under.
Please Order this Factory-Direct Item by the Following Date to Arrive by Dec. 25th When Selecting...
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Restaurants & Stores: Driving Directions
How do I get there?
Directions to:
- Cafe Maxsim
- 87 Darlington Street, Wolverhampton, England, WV1 4EX
- 01902428999
Note: Driving directions do not work in all areas of the world.
If this is not working for you, consider going directly to Google.
Please Report Incorrect Markers.


text:
Christmas Season Escape
Played 713 times
Christmas Season Escape game information:
You are locked inside your apartment while you are doing the Christmas decoration. This is the work of the sneaky room mate who loves puzzles and games. So there will be a key somewhere hidden behind the puzzles related to Christmas.
How to play:
Gather the objects in the inventory. Combine them in the inventory panel. Use them to escape.
Add this game to your website or blog!
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- Fireman Kids Western
- Elsa's Cuisine
- Dora Find Flying Castle


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- You are here:
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Nuts are great snacks for dieters as they release their energy slowly keeping hunger at bay. But they're also high in fat, so make sure you only have a golf ball size portion.
Your comments
- How to have a healthy takeaway: The best and worst options on the menu
- Tested: Best and worst sun creams
- What celebrities really eat in a day - revealed!
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text:
'In my 25 years of federal park service, I've participated in many fires, but none of that could have prepared me for this.'
Unlike school buses, ambulances are not regulated by the federal government.
Preppers are ready. It is widely believed that .22-caliber ammunition will become currency in a disaster scenario.
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text: A update on the beloved Touchpad app! . Quote from Touch Podium: If you liked the cool Touchpad application released a couple of weeks ago, you're going to love the next generation Touchpad Pro. This new version is absolutely packed with new features, most of them user requests. For those who are not familiar, Touchpad Pro is an application built on top of VNC that lets you control your main computer or laptop's mouse and keyboard right from your iPhone or iPod Touch. Here's a quick rundown of what you'll find in the new version: - New "Remote" button with cursor control and buttons for enter/escape/tab/backspace/tab and space keys. (Use with your media player!) - Cursor inertia; flick in any direction and the mouse will continue to travel for a distance. - Mouse acceleration. - Portrait and landscape mode support. - Online VNC connection help screen. - Scroll with two-fingered vertical swipes. - Powerpoint slide control with horizontal two-fingered swipes. - Two-finger tap to click right mouse button. - Pinch to zoom images, PDF documents, font size in browser, etc. - Preferences to invert scrolling, add text to the icons, and toggle quit on suspend. for those of you who are wondering, the app is now in the bigboss repo! for more info go to : www.touchpadpro.com


text:
Double Rollover for Friday EuroMillions Players
4th April 2012 10:04 AM
EuroMillions players this Friday 6 April will be able to play for a double rollover jackpot worth around €32 million (around £26 million) after every ticket failed to match all five main numbers and both of the Lucky Star numbers required to win the top prize on Tuesday 3 April. The EuroMillions results which proved so elusive midweek were 01, 08, 18, 25 and 30, and the Lucky Star numbers were 09 and 10.
Three tickets managed to match all five main numbers and one of the Lucky Stars to win a consolation prize of €335,818 (£239,739). Whilst that isn't anything like the €21 million jackpot that was up for grabs, it's still a considerable sum that will no doubt give the three winning ticket-holders plenty to celebrate.
13 tickets won €25,832 (£18,441) each by matching the five main numbers only, and another 33 tickets matched four main numbers plus both Lucky Star numbers to win €5,088 (£3,632) each. 762 tickets won €192 (£137) each by matching four main numbers and one Lucky Star. The total number of EuroMillions prizes won on Tuesday was 1,688,851, and the winning Millionaire Raffle number in the UK (which was worth £1 million to the owner of the matching ticket) was PJT655571.
Fans of our EuroMillions Statistics page (which is a treasure-trove of information for the statistically-minded) will be interested to note that just one number highlighted as being 'most overdue' to make an appearance obliged on Tuesday, and that was the main number 18. Whether any more overdue numbers will show up this Friday – and perhaps even help someone to win the €32 million double rollover jackpot – remains to be seen, but if you want to look out for them the most overdue main numbers are now 35, 49, 40, 21 and 22, whilst the most overdue Lucky Stars are 05 and 01.
Play EuroMillions online today, enjoy the draw on Friday and if you win the €32 million that is up for grabs be sure to let us know about it!
Written by Tim Reynolds
Page Last Updated: 05/06/2014 13:18:23


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Free Delivery above $55.00
- Description
- Wear on palm to quickly clean brushes
- Adjustable straps to fit any hand size; fits left or right hand
- Suction to sink for hands-free cleaning
- Wash + refine textures clean both face and eye brushes
- Made of high-grade silicone
Say goodbye to dirty makeup brushes! The Palmat™ is a 2-in-1 brush cleaning tool that deep cleans your brushes to keep them just like new. Works great for those with a large brush collection or those with only one makeup brush. Small and portable, perfect for traveling!
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ratings & reviews 10 reviews
Almost bought the Sigma monster of a brush cleaner but found their sister company! Defintely saves a lot of time cleaning brushes if you use the "swirl on hand" method! The suction cups are amazing as well, can just stick to the sink and it also hold a bit of water, so I just put a bit of soap on the mat and swirl maybe 2-4 brushes before it gets too gross.
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worth the money
I love this product so much as it makes washing my makeup brushes way easier. It doesn't ruin the shape of my brushes. it is compact and the size is just nice. the plus point is that you can either wear it on ur palm or you can place it on your sink where there are suction cups (or whatever it's called haha) under for it to hold on to. MUST BUY
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Not really necessary for cleaning but I like it!
I normally wash my brushes by swirling it on the inside of my palm. Although I can say the Palmat isn't really "necessary", it's still rather useful and quite suited for a neat-freak like me. Its good for a quicker, more efficient and generally more sanitary wash. (I finish washing my brushes faster now.) If you have only a handful of brushes, then I say don't bother but to those of you with a LOT of brushes in your collection, then I do recommend it.
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Palmat by Practk. "Omg So Cute" is the first impression when i received it. It cleans my brushes so easily. Definitely love it. All makeup junkie should try this. This beauty gadget is very innovative and totally very useful. Wont regret buying it.
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Afiza jamil
compact & handy
I was looking for compact silicon pad for cleaning my brushes and finally found this. It may fit on your palm or you can stick it to the wash basin. However, it won't stick very well on the basin and moves around when I started cleaning my brushes on it. The good side, it is very compact and dries easily.
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Ng christie
First time bought this brush cleanser with such good price and it did give a good cleaning job for my brushes. Easy to use even with body or hand shampoo then under running waters. Recommended to buy and worth with such price.
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Angeline chin
Compact but there are better designs out there
Love cleaning my brushes and this is my 5th silicon brush cleaning pad so I've had the opportunity to compare them concurrently. Compared to the Sigma travelling version, this does not have enough surface area to work the brushes. There is also no rinse section to agitate the bristles and make sure that your brushes get well rinsed. Because it sits in your palm rather then fingers and finger tips, you can't rotate it between face brush section and small brush section as comfortably. Also doesn't work so well when you stick in on the basin. The suction cups are too small and the whole pad moves around as you swirl your brushes. Good thing about the pad is that it opens flat so easy to travel with and dries faster.
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Irene lim
Was actually aiming for Sigma one but was way too pricy and this is the sister brand of Sigma, turns out to be handy and user friendly, most best of it was the completely clean brush I have again! Affordable and effective.
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Helps to clean my brushes super well with only some body wash, cleans better than using cleaner for brushes. This products is an essential to anyone who do makeup on a everyday basis.
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Lezel asrie
Small but mighty!
I have been using the Sigma brush cleaning mat for a while now and I love using it because of all the different surfaces. However, at times I found it a bit too big if I'm cleaning only 1-2 brushes. The Palm mat is like a much smaller version of that and it is great for washing a few brushes and easy to pop it in your makeup bag if you're travelling. If you love the Sigma mat, I highly recommend this version for travelling.
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There has been a lot of talk lately about gay marriage and it can all get pretty confusing. We'll try to clear it all up with all the facts you need to know!
First of all, exactly how many gay marriages have been performed in the United States? Well, it's hard to say because many of the states that allow gay marriage don't release accurate records for a few years after their marriages, gay and straight, have been performed. But estimates say that over 70,000 gay marriages have been held in the US so far.


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People who bought this also bought...
Rated 4.5 out of 5 by 2 reviewers.
Rated 5 out of 5 by Grandmacarol No creases I have sensitive eyes but thought I'd try this for a change from my usual colour. It is very effective and can be built up as you wish. It glides on, it's not sparkly (too old for that), it's not made my eyes sore, it doesn't drop off everywhere and it doesn't seem to go in the creases and make lines. I'm glad I tried it, it was a considered purchase for me and I'm happy with it. April 8, 2016
Rated 4 out of 5 by Goldivy Perfect nude eyeshadow This is great base eyeshadow. It doesn't contain bismuth oxychloride (well known allergen) so my eyes are happy with it! November 30, 2015
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Italian flag
Supply Vessel – Specified operating area
Passengers Transport Authorization: n. 50 people (including crew)
Dimensions: 30.42 m
Beam: 6.57 m
Draft: 1.60 m (full cargo)
Gross Tonnage: 114 GT
Net Tonnage: 34 NT
Speed: 25 knots
Clear Deck Surface: 14 x 5 m = 70 m²
Deck Cargo: 20 t
Gasoil tank: 16.6 m³
Water tank: 23.9 m³
Engine brand: GM
Engine model: 12V92 TA
Engine power: 3 x 832 Hp
Passenger seats n. 56 (28 on main deck)
N.6 berths
N.2 toilette with hot water
Kitchen and dining room
N.1 bow thruster 67 HP
N.2 gensets 30 kW 120/208 V 60 Hz
N.3 screws
N.2 manoeuvring control positions
Air conditioning
N.1 water pump 15 m³/h at 30 m
N.1 gasoil pump 12 m³/h at 30 m
N.2 stern headlight
Compressed air
Air conditioned
Stern fitted for platform boat landings
N.1 magnetic compass
N.2 radars
N.1 VHF GMDSS radio with DSC function
N.1 radar transponder
N.1 engines control panel
N.1 GSM mobile telephone/fax
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice. 5% plus VAT commission will be charged to the buyer. Mediazione del 5% + IVA a carico del'acquirente.
|Motor Boat
|Sales status:
|Commercial Vessel
|Model:Crew Boat 1
|Year built:
|30 m
NEW BOAT Dimensions Length overall 15, 20 mt Length waterline 13, 20 mt Beam max (Fenders included) 4, 00 ...
German flag Capacity: 16 passengers Dimensions Lenght: 16. 70 m Beam: 4. 68 m Draft: 1. 55 m ...
Swedish flag Arneson Drive Hard top Total refit august 2015-08-05: - Engines and generator service - ...
£ 160,170
VAT Incl. / Paid
Italian flag Launched in 2007 White hull Dimensions Lenght: 13, 80 m Beam: 4, 06 m Displacement: 15330 ...
£ 164,385
VAT Excl. / Not Paid


text:
Two years after accusations were made over Russian doping, the second instalment of the McLaren report was published on Friday.
There's no prizes for guessing what British people talked about most on Facebook this year – it's what we were all talking about in the real world, too.
An investigation for the World Anti-Doping Agency (WADA) claims positive tests were concealed at the London Games, the Sochi Winter Olympics, and the 2013 World Athletics Championships. London 2012 was corrupted by Russian athletes on an "unprecedented scale" , said head of the investigation
* Independent WADA report says there was an institutional conspiracy * More than 1,000 Russian athletes benefited * McLaren says Russia corrupted London Games on unprecedented scale * More than 30 sports, including soccer, were involved (Adds details) By Mitch Phillips LONDON, Dec 9 (Reuters) -


text:
Philips plans to offer the software as a module in its IntelliSpace Genomics platform, which is used for integrating and analyzing genomic and phenotypic data.
The two firms are collaborating on a system to share genotypic, phenotypic, and treatment outcomes data with physicians on a mobile-device network.
ClinGen's cancer somatic working group hopes the adoption of its Minimal Variant Level Data (MVLD) framework will facilitate data exchange between institutions and help with variant interpretation.
Pfizer will become the first firm to customize IBM's Watson for Drug Development, combining its proprietary data with licensed and publicly available data.
The Copenhagen-based firm published the first public demonstration of its InBio Map protein interaction tool in a study released this week in Nature Methods.
Biomedical research projects are generating a ton of data that still needs to be analyzed, NPR reports.
Theranos is retiring some of its board members, including Henry Kissinger and George Shultz, Business Insider reports.
The heads of 29 scientific societies and some 2,300 researchers call on President-elect Donald Trump to rely on and support science in two separate letters.
In Science this week: genetically modified flu virus could be key to new live vaccines, and more.
Privacy Policy. Copyright © 2016 Genomeweb LLC. All Rights Reserved.


text:
Women's Akris Punto Cold Shoulder Body-Con Dress
Cold-shoulder cutouts enhance the modern allure of a body-skimming LBD cut from soft Italian jersey fabric with a touch of stretch. The long-sleeve silhouette is detailed with subtle zip pockets, and the sleek pencil skirt falls just to the knee. Color(s): navy. Brand: AKRIS PUNTO. Style Name:Akris Punto Cold Shoulder ... Learn More


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- Home
- Community
- Around Town
- Senior Center
- Clubs & Leagues
Clubs & Leagues
Are you interested in joining a Card Club or a Golf League? Do you want to watch a movie with friends? The Fridley Senior Center offers all these and more!
Cards & Fun
We have weekly card groups including Bridge, 500, Cribbage, monthly Cribbage tournaments and Hand n' Foot. It's a great way to meet new friends and have fun.
Book Club
4th Tuesday 10:00 a.m.
A reading and discussion group meets on the fourth Tuesday of each month at 10:00 a.m. Members meet on a monthly basis to discuss current books and authors. Group makes book selections based on interests. Participants are not required to read all selections to participate.
Wood Carvers
Mondays at 9:00 a.m.
Video Theater
Tuesdays 1:00 p.m.
Join us for a movie on Tuesday afternoons. We will show classic films as well as new releases. A schedule will appear in the monthly Senior Newsletter.
Hardanger Club
Wednesdays 9:00 - 11:00 a.m.
Group meets each Wednesday morning at the Community Center. Participants stitch together sharing patterns, ideas and stitch techniques. Participants need a basic knowledge of Hardanger skills.
Campaign of Cheer
Mondays 8:30 a.m.
The Campaign of Cheer meets every Monday at FCC. This volunteer group makes wheelchair/walker caddies, lap robes, and blankets for children at the Ronald McDonald House, nursing homes and Veterans Homes & Hospital, plus caps, scarves and mittens . New members are always welcome.
Quilters Club
Fridays 9:00 - 11:00 a.m.
Come stitch, share patterns, friendship and good conversation. Some educational workshops are also being discussed, as well as field trips to local quilt shows, workshops, and shopping sprees. Group meets each Friday morning at the Fridley Community Center.
Casino Trips
The Fridley Senior Program sponsors a casino trip on the first Wednesday of each month. We offer a pick-up at Banfil Crossing and Norwood Square - as well as the Fridley Community Center. There is a $5 fee; however, participants will receive $5 "free play" credit on their players card at the casino. Registrations can be made by stopping by the Senior Program office.
Great Decisions
3rd Tuesday 9:30 a.m., Fee is $5.00
In 2006, the Fridley Senior Program and Fridley Community Ed, partnered with the MN International Center and the Foreign Policy Association to bring the Great Decisions Program to area seniors. The mission of the Great Decisions Program is to engage citizens in learning about the world. Great Decisions features impartial, thought-provoking analyses on eight issues of concern to U.S. policymakers today and represent our foreign policy challenges of tomorrow.
Thursdays 12:00 p.m. - 3:00 p.m.
"Jammas Are My Speciality" ... They make pajamas, t-shirts and sweatpants for children in our community in need. Most of the articles are made from donated material. They are always looking for sewers.
Card Bingo
Fridays 9:30 - 10:30 a.m., Fee is $3
Come join in on this fun adaptation of Bingo! There is plenty of laughter AND a winner at every table!
Coffee, Cards & Conversation
All young-at-heart adults (55+) are invited to participate in any of our weekly card parties. No need to pre-register, just show up and join the fun!
Play begins at 1:00 p.m. (Tuesdays at 9:30 a.m.)


text:
Pinterest でおしゃれアイデアをまとめましょう!
OKAMURA Kichiemon "Butterfly" 1979, Japan
Sake Vessel (Heishi) with Butterflies, 15th century. Muromachi period (1392–1573). Japan. The Metropolitan Museum of Art, New York. Mary Griggs Burke Collection, Gift of the Mary and Jackson Burke Foundation, 2015(2015.300.295) | This work is exhibited in the "Celebrating the Arts of Japan: The Mary Griggs Burke Collection" exhibition, on view through January 22, 2017.#AsianArt100
mozneko, Japan
Berman, Eugene (1899-1972) - 1951 Portrait of Woman with Butterflies (Christie's New York, 2004)
Suisei Club


text:
DramaYou.Com – The Prime Minister and I Episode 1 Eng Sub
Synopsis :
Prime Minister Kwon Yool (Lee Beom-Soo) works well at his office, but he struggles to raise his three children alone. Nam Nam Da-Jung (Yoona) is a reporter full of enthusiasm at work, but she always ends up missing big scoops. Nam Da-Jung comes to Kwon Yool and his three kids like a Christmas present.
Details of this drama :
Title : The Prime Minister and I / 총리와 나
a.k.a : Prime Minister Is Dating
Broadcast network : KBS2
Episodes : 17
Genre : Romance, comedy, fantasy
Air time : Monday and Tuesday 22:00
Broadcast period : 2013-December-09 to 2014-February-04
Watch The Prime Minister and I Episode 1 Eng Sub
English subtitle is available
How to watch the videos : Please select the Tab you want to watch. For example : select Eng Sub Full Tab if you want to watch Eng Sub Full video. To watch Eng Sub Part 1 – 4, use the same instructions.
Tips for mobile device users : Please, rotate your mobile device to the horizontal mode if you didn't find the Start Video / Close Ad / play button on the Eng Sub video or use your pc / laptop to watch the Eng Sub. Thank you.
TNMS (Nationwide) : 5.4
TNMS (Seoul) : 5.8
AGB (Nationwide) : 5.9
AGB (Seoul) : 6.5
Sources : TNmS Media Korea and AGB Nielsen Korea


text:
Krishna's Universal Form, one of the requirements for any genuine appearance or incarnation of God.
Mahabharatham - The Great Indian Epic...
This is an amazing picture of the universal form that Krishna showed to Arjuna
Therefore the doubts which have arisen in your heart out of ignorance should be slashed with the weapon of knowledge. Armed with yoga, O Arjuna, stand and fight. B.G. 2.42
Bhagavad Gita. Krishna and Arjuna on the battlefield.Bg 7.19 — After many births and deaths, he who is actually in knowledge surrenders unto Me, knowing Me to be the cause of all causes and all that is. Such a great soul is very rare.
Krushit Kalaria
A truly epic moment in the Mahabharat - a war between the Pandavs and Kauravs, that has a lot of spiritual significance and explores the battle that takes place in our own minds on a daily basis.
Arjuna with Krishna - Vishnu in the background - Krishna is an avatar of Vishnu


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Mon, 04/02/2013 - 12:11
Edward Boyle has joined American Century Investments as vice president and co-portfolio manager of non-US fixed income (international bond) and global fixed income (global bond) strategies.
"Ed brings a wealth of experience to his role, particularly in the currencies and futures markets, with strong quantitative expertise and knowledge across a variety of asset classes," says senior vice president and senior portfolio manager John Lovito. "We are delighted to add someone of his calibre to our talented team."
Boyle (pictured) joins American Century from FX Concepts, where he managed a portfolio of currencies and futures. Prior to that, he was a member of the global macro trading and research team at Brevan Howard, where he managed trading of currencies and futures across various asset classes. Previously, Boyle was a quantitative researcher and trader for Escher Capital.
Prior to his career in the investment management industry, Boyle was a founder and managing partner of Magnum Design. He spent five years in the US Army, attaining the rank of Captain, while serving in South Korea, Turkey and Europe.
Fri 09/12/2016 - 10:50
Fri 09/12/2016 - 10:11
Thu 08/12/2016 - 14:49
Thu 08/12/2016 - 09:07
Fri 09/12/2016 - 13:38
Fri 09/12/2016 - 10:50
Fri 09/12/2016 - 10:11
Fri 09/12/2016 - 10:07
Fri, 09/Dec/2016 - 10:50
Fri, 09/Dec/2016 - 10:11
Fri, 09/Dec/2016 - 10:04
Fri, 09/Dec/2016 - 09:00
Fri, 09/Dec/2016 - 08:58
Fri, 09/Dec/2016 - 08:52


text:
Investec Wealth exit19 Feb 2015
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- Breaking industry news & commentary
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Research analyst quits Investec Wealth for Peel Hunt
Anthony Leatham, a fund research specialist at Investec Wealth & Investment, will leave the wealth manager at the beginning of April to join broker Peel Hunt as an investment trust analyst.
Leatham, who joined Investec Bank as a compliance officer 10 years ago, has been part of IWI's research team since 2007.


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Official citation and/or docket number and footnotes (if any) for this case available with purchase.
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United States District Court, E.D. Pennsylvania
June 16, 2015
SONYA HOFFMAN, Plaintiff,v.WELLS FARGO BANK, N.A., PHELAN HALLINAN & SCHMIEG, LLP, and COURTENAY R. DUNN, ESQ., Defendants.
Gerald Austin McHugh United States District Court Judge
Defendant Wells Fargo has renewed a prior Motion to Dismiss Plaintiff's remaining Unfair Trade Practices and Consumer Protection Law (UTPCPL) claim. Additionally, Defendants Phelan Hallinan, LLP and Courtenay R. Dunn have filed a Motion for Reconsideration pertaining to this Court's previous denial of their Motion for Judgment on the Pleadings. I address both pending Motions in this Memorandum.
I. Facts
A. Initial Mortgage Transaction
Sonya Hoffman purchased real property in Darby, PA, on August 14, 1998. On the same date, Hoffman obtained a loan from Avstar Mortgage Corporation for $39, 784. Accordingly, Hoffman executed a promissory note to Avstar, its successors and assigns, to evidence her obligation to repay the loan. Hoffman also executed a purchase money mortgage to Avstar, its successors and assigns to secure her obligations under the note, granting Avstar a lien and security interest in the property. The deed and mortgage were recorded in Delaware County on August 17, 2008.
B. The Assignments
Wells Fargo would eventually bring a foreclosure action during which it produced three recorded assignments. The first recorded assignment, dated August 14, 1998, shows Avstar assigning the mortgage to Principal Residential Mortgage, Inc. That assignment was recorded August 17, 1998. The second recorded assignment, dated November 2, 1999, shows Principal Residential Mortgage assigning the mortgage to Fleet Mortgage Corp. That assignment was recorded November 15, 1999. Finally, the mortgage was assigned to Wells Fargo on April 6, 2011, from "the Federal Deposit Insurance Corporation as receiver of Washington Mutual Bank F/K/A Washington Mutual Bank, FA successor in interest to Washington Mutual Home Loans, Inc. successor by merger to Fleet Mortgage Corp." Fleet had merged with Washington Mutual at some point in the past. Thus the recorded assignments evidence a complete and unbroken chain leading to Wells Fargo.
Hoffman has produced the two unrecorded assignments that were present in the file that Wells Fargo brought to the foreclosure proceeding. The first unrecorded assignment was executed September 1, 1998, and shows Principal Residential Mortgage assigning the mortgage to Government National Mortgage Association (Ginnie Mae). The assignment is signed and notarized. September 1, 1998 is after the date in which Principal Residential Mortage was assigned the mortgage by recorded assignment and before the date in which it assigned away the mortgage via recorded assignment. The second unrecorded assignment was executed on November 2, 1999 and shows Fleet Mortgage Corp. assigning the mortgage again to Ginnie Mae. The assignment is signed and notarized. This assignment took place on the same date that Fleet is shown to have received assignment of the mortgage from Principal Residential Mortgage. While the two unrecorded assignments are feasible in that the entity purported to have assigned the mortgage did indeed have possession of the mortgage at the time, the unrecorded assignments also conflict with each other. Fleet could not have assigned the mortgage in the second unrecorded assignment if Principal had assigned the mortgage in the first unrecorded assignment.
C. Foreclosure Trial and Decision
In February of 2012, Wells Fargo commenced a foreclosure action against Hoffman in the Delaware County Court of Common Pleas, alleging that Hoffman was in default under the Note and the Mortgage. After preliminary objections by Hoffman challenging Wells Fargo's standing, Wells Fargo filed an amended complaint on May 10, 2012. Wells Fargo alleged that it was the holder of the Mortgage entitled to enforce it, and in support thereof attached copies of the Note, the Mortgage, and the recorded assignments of the Mortgage. Additionally, Wells Fargo alleged that the endorsements to the Note reflect the transfer of ownership of the Note and Mortgage from Avstar to Principal, and then from Principal to Fleet. At that point, Wells Fargo alleged that Fleet endorsed the note "in blank, " thereby converting the Note to a "bearer instrument" enforceable by the holder. Wells Fargo filed a motion for summary judgment relying on both the recorded assignments and its status as holder in possession of the blank endorsed Note. The Court of Common Pleas denied that motion for summary judgment without issuing an opinion.
A bench trial was held on September 18, 2013 before Judge G. Michael Green of the Delaware County Court of Common Pleas. Wells Fargo had been represented by Courtenay Dunn of Phelan Hallinan at all times, and Hoffman had been represented by David E. Pearson. Pearson continues to be Hoffman's attorney in this present action based on the foreclosure action. At trial, Dunn had the original Note and Mortgage present. At the outset of the trial, Dunn handed the origination file to Pearson for inspection. Pearson noted that there were documents in the file that were not produced in discovery. Those documents were the two unrecorded assignments at issue in this case.
After Dunn and Wells Fargo had rested their case, Pearson objected to the admission of a copy of the Note. The Judge ruled that Hoffman's answers to the complaint admitted that Hoffman had executed the note on the date indicated, but also found that Hoffman's answers explicitly denied that the Note was endorsed in blank. The Judge found that no evidence had been offered as to whether the Note was endorsed in blank, and as such, he would not treat it as having been so endorsed. Transcript at 37-38. Similarly, Pearson objected to the admission of the three recorded assignments on the basis of hearsay. Transcript at 39-44. The Judge determined that there was no hearsay exception that would permit the assignments into evidence, and they were excluded.
Pearson, in making his case, pointed out that the Note was "not endorsed to [Wells Fargo] and it's not endorsed in blank. They have no basis to enforce the Note." Transcript at 50. Furthermore, Pearson argued that there was no chain of assignment because the recorded assignments were not admitted. Id. An exchange took place over the unrecorded assignments that were not produced, with Pearson insinuating that they may have been concealed and suggesting sanctions. Transcript at 51. However, in trying to admit the unrecorded assignments, the Judge determined that they could not be admitted for the same reason the three recorded assignments could not be admitted. Transcript at 64-70.
In closing, Dunn argued that, whether the endorsements were admitted or not, possession of the Note entitled Wells Fargo to proceed in the action. Transcript at 75. Pearson disputed this assertion, saying possession in the UCC does not mean merely physical possession. Transcript at 97-98, 101-102. The Judge concluded by requesting briefing from the parties on two topics: (1) standing and (2) the court's authority in granting an in rem judgment on the facts as proven. Transcript at 103.
The Court of Common Pleas issued its decision on December 18, 2013. Under findings of fact, the Court noted that: (1) none of the assignments were admitted into evidence; (2) the Amended Complaint, Note, and Mortgage were admitted into evidence; (3) the Note was admitted into evidence but not accepted as a document endorsed in blank. The Court also concluded that 13 Pa. C.S.A. § 3301 provides that "person entitled to enforce" an instrument is "the holder of the instrument." A "holder" is defined as the person in possession of a negotiable instrument that is payable either to the bearer or to an identified person that is the person in possession. This appears to have been the Court's rejection of Dunn's argument that physical possession of the note is enough to support standing to foreclose, though Wells Fargo claims in its motion to dismiss that the state court failed to consider whether Wells Fargo's possession of the original note at the time of trial conferred standing to enforce the note and mortgage as a "nonholder in possession of the instrument with the rights of a holder." Motion to Dismiss at 9 (citing 13 Pa. C.S.A. § 3301(2)). The Court held that Wells Fargo failed to establish by credible evidence that it was the holder of the note at issue, and thus the Court found in favor of Hoffman.
D. Current Posture of the Suit
Hoffman commenced this action against Wells Fargo, Phelan Hallinan, and Courtenay Dunn on October 2, 2013. This date was after the bench trial, but before the decision in the foreclosure action was rendered. The complaint asserted claims under the Fair Debt Collections Practices Act, 15 U.S.C. §§ 1692-1692p (FDCPA), Pennsylvania's Fair Credit Extension Uniformity Act, 73 P.S. §§ 2270.1-2270.6 (FCEUA), and the Unfair Trade Practices and Consumer Protection Law, 73 P.S. §§ 201-1 to 201-9.3 (UTPCPL). The present complaint alleges that the foreclosure complaint claimed the right to foreclose based on the chain of recorded assignments. Additionally, the complaint claims that the Defendants relied on the recorded assignments in moving for summary judgment and in its supplemental responses provided to Hoffman in that action. However, Defendants did not disclose or produce the unrecorded assignments until the bench trial in the foreclosure action was already underway. The present complaint further alleges that the unrecorded assignments precluded the validity of the recorded assignments. As a result, Hoffman claims to have sustained injuries including mental anguish, emotional distress, damage to credit and reputation, and costs and attorney's fees to defend against the foreclosure action.
PH filed a motion to dismiss under Younger abstention due to the pending foreclosure action that was still ongoing. Additionally, Wells Fargo filed a motion to dismiss on January 6, 2014. On February 21, 2014, Judge Dalzell, who was previously assigned to this case, granted Wells Fargo's motion with regard to the FDCPA claim and dismissed Count I of the complaint as to Wells Fargo. However, since Hoffman's FDCPA claim remained against PH, Judge Dalzell denied Wells Fargo's motion with respect to the FCEUA and UTPCPL claims with permission to reassert after the court had determined whether the FDCPA claim would remain against PH, since Wells Fargo had urged that the Court should decline to exercise supplemental jurisdiction over the state law claims if the FDCPA claim was dismissed.
On March 5, 2014, Plaintiff advised the Court that she would no longer be pursuing the FCEUA claims against any of the Defendants, and Judge Dalzell issued an order dismissing Count II of the complaint in its entirety, but also instructing PH to respond to the complaint. At this point, the claim remaining against Wells Fargo was the UTPCPL claim, and the claims remaining against PH were the FDCPA and UTPCPL claims.
PH filed its answer on March 17, 2014, and a pre-trial conference was held before Judge Dalzell on March 25, 2014. After PH informed Judge Dalzell that it would be filing a motion for judgment on the pleadings, Judge Dalzell advised Wells Fargo that it could wait to respond to the complaint or file a renewed motion to dismiss until the Court had decided whether the FDCPA claim against PH would remain, as it would affect the Court's subject matter jurisdiction.
PH filed its motion for judgment on the pleadings on April 11, 2014. In the interim, the case was reassigned to this Court. By Memorandum and Order entered on December 4, 2014, the Court denied the motion. Wells Fargo has renewed its motion to dismiss the remaining UTPCPL claim. PH has also filed a motion for reconsideration of the Court's order denying its motion for judgment on the pleadings.
II. Wells Fargo's Motion to Dismiss
The only claim that remains against Wells Fargo is Hoffman's UTPCPL claim. "To bring a private cause of action under the UTPCPL, a plaintiff must show that he justifiably relied on the defendant's wrongful conduct or representation and that he suffered harm as a result." Yocca v. Pittsburgh Steelers Sports, Inc., 578 Pa. 479, 501, 854 A.2d 425, 438 (2004); see also Ries v. Curtis, No. 13-1400, 2014 WL 5364972, at *9 (E.D. Pa. Oct. 22, 2014). "[T]he UTPCPL is to be liberally construed to effectuate its objective of protecting the consumers of this Commonwealth from fraud and unfair or deceptive business practices." Ash v. Cont'l Ins. Co., 593 Pa. 523, 530, 932 A.2d 877, 881 (2007); see also Fazio v. Guardian Life Ins. Co. of Am., 62 A.3d 396, 405 (Pa. Super. Ct. 2012).
While Hoffman's Complaint alleges that reliance on the recorded assignments of the mortgage was a fraudulent misrepresentation, Wells Fargo asserts that, even if the recorded mortgage assignments were invalidated, it was proceeding with the foreclosure in reliance upon the original Note endorsed in blank as well. There is no dispute here that Wells Fargo possessed the original Note at trial. "Under the Pennsylvania Uniform Commercial Code (PUCC), the note securing a mortgage is a negotiable instrument. A note endorsed in blank is a 'bearer note, ' payable to anyone on demand regardless of who previously held the note." Bank of Am., N.A. v. Gibson, 102 A.3d 462, 466 (Pa. Super. Ct. 2014) (citing J.P. Morgan Chase Bank, N.A. v. Murray, 63 A.3d 1258 (Pa. Super. Ct. 2013); 13 Pa.C.S.A. §§ 3109(a), 3301). However, at trial in the underlying foreclosure litigation, Wells Fargo had no witness to authenticate the note. The judge presiding determined that despite being in possession of the original note, Wells Fargo did not meet its evidentiary burden to establish the Note was endorsed in blank. In short, the note was a valid basis for seeking foreclosure, but Wells Fargo failed in its proof.
Wells Fargo also attempted to foreclose on a second basis, the chain of recorded assignments. Wells Fargo argues that, even if the recorded assignments were invalidated, the existence of a separate valid basis for foreclosure made any potential misrepresentation of the recorded assignments immaterial. With respect to the UTPCPL, this misses the point. Once the foreclosure court found insufficient evidence to support the theory that the Note was endorsed in blank, it was necessarily tasked with assessing the second purported basis upon which Wells Fargo was attempting to foreclose-the chain of title established by the recorded assignments. Even though the foreclosure court ultimately refused to consider any of the assignments, I cannot say that any undisclosed defects in the recorded assignments were immaterial.[1]
Nonetheless, I find that Hoffman has not adequately pleaded a UTPCPL claim against Wells Fargo. To establish causation, a plaintiff must show that "knowledge of deceptive conduct 'would have changed [Plaintiff's] conduct.'" Ries v. Curtis, No. 13-1400, 2014 WL 5364972, at *9 (E.D. Pa. Oct. 22, 2014), Id. (citing Hunt v. U.S. Tobacco Co., 538 F.3d 217, 224 (3d Cir. 2008)). Here, the facts as pleaded in the complaint do not suffice to demonstrate that Hoffman justifiably relied on the potentially invalidated assignments or that Hoffman suffered harm as a result. In defending against the foreclosure action, Hoffman had to contend with the valid theory of a Note endorsed in blank in the possession of Wells Fargo. Under Plaintiff's own version of the facts, she was unaware of the unrecorded assignments until trial, and they were excluded from evidence as was the allegedly invalidated chain of recorded assignments. Even if the chain of assignments was a misrepresentation, her defense of the action did not rely on the invalidity of the assignments. The Complaint does not allege that harm was suffered as a result of nondisclosure of additional assignments to GNMA. Thus, knowledge of the purported deceptive conduct would not have changed Hoffman's conduct, since Hoffman would have had to defend the action in the same manner given the Note endorsed in blank. Ries, 2014 WL 5364972, at *9.
There is a difference between losing a case and engaging in wrongful conduct. Plaintiff's remaining UTPCPL claim against Defendant Wells Fargo will be dismissed.
III. Motion For Reconsideration by Defendants Phelan Hallinan & Schmieg and Dunn
A. Standard of Review
"[A] judgment may be altered or amended if the party seeking reconsideration shows at least one of the following grounds: (1) an intervening change in the controlling law; (2) the availability of new evidence that was not available when the court granted the motion for summary judgment; or (3) the need to correct a clear error of law or fact or to prevent manifest injustice." Max's Seafood Cafe ex rel. Lou-Ann, Inc. v. Quinteros, 176 F.3d 669, 677 (3d Cir. 1999). Defendant PH asserts that the memorandum and order issued by this Court in denying its Motion to Dismiss contain clear errors which require correction in order to prevent such manifest injustice. "Where evidence is not newly discovered, a party may not submit that evidence in support of a motion for reconsideration." Harsco Corp. v. Zlotnicki, 779 F.2d 906, 909 (3d Cir. 1985). Applying that standard here, the Motion is denied with respect to the FDCPA claim.
B. PH's Motion for Reconsideration
1. Summary of Previous Decision with Regard to Plaintiff's FDCPA Claim With respect to the FDCPA claim, pursuant to 15 U.S.C. § 1692e, "a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt." Plaintiff claims that the Defendants, by proffering the invalid assignments in support of their foreclosure action, "falsely represented the character and/or legal status of a debt in violation of [§ 1692e(2)(A)], threatened to take an action that could not legally be taken, in violation of [§ 1692e(5)], and used a false representation or deceptive means to attempt to collect a debt, in violation of [§ 1692e(10)]." Compl. ¶ 30.
This Court determined that "For the purposes of this motion, the fact that Plaintiff pleaded that [the recorded assignments] had been invalidated is enough, though evidence will need to be provided later. If, however, the recorded assignments remained valid, then clearly no FDCPA claim may lie." Relying on the logic Judge Dalzell's opinion in Yentin v. Michaels, Louis & Assocs., Inc., No. 11-0088, 2011 WL 4104675, at *12 (E.D. Pa. Sept. 15, 2011), finding that the FDCPA applied to legal pleadings, this Court determined that the use of recorded assignments as the basis to foreclose, as well as endorsements of the validity of those assignments, could be properly considered in FDCPA claims. Dec. 4, 2014 Memorandum at 4. Further, this Court held that false representations prohibited by § 1692e need not be intentional where a debt collector has not exercised due care to avoid them. Id. at 4-5. At this point, this Court stated that Plaintiff had adequately pleaded a claim under § 1692e. Id. at 5.
Nevertheless, the Defendants had also urged the Court to dismiss on the theory that any false representation with regard to the validity of the assignments had no material effect on the outcome of the foreclosure action. As this Court stated, the Third Circuit has not yet imputed a materiality component into the FDCPA claims arising from communications made in the course of litigation, Kaymark v. Bank of America, N.A., No. 13-0419, 2014 WL 1316120, at *17 (W.D. Pa. Mar. 31, 2014), but several other circuits have read such a requirement into the statute. Dec. 4, 2014 Memorandum at 5. However, this Court disagreed with the Defendants' characterization of such a materiality requirement. As stated, this Court determined that a materiality requirement focuses on weeding out mere technical falsehoods that mislead no one, while covering "genuinely misleading statements that frustrate a consumer's ability to intelligently choose his or her response." Donohue v. Quick Collect, Inc., 592 F.3d 1027, 1033 (9th Cir. 2010). On this basis, whether or not materiality is a requirement in this Circuit, I decided that alleged misrepresentation here was sufficiently material.
2. Arguments Motion for Reconsideration
Defendant PH first asserts that the memorandum and order this Court issued denying its motion to dismiss improperly treated Plaintiff's conclusion of law as a conclusion of fact to be accepted as true for the purposes of the motion to dismiss. Specifically, when determining whether or not the two recorded assignments upon which the Defendants relied in launching their foreclosure action were invalidated by the undisclosed, unrecorded assignments that they had in their possession, the order stated that "for the purposes of this motion, the fact that Plaintiff pleaded that they had been invalidated is enough, though evidence will need to be provided later." Memorandum at 4. PH argues that, as a matter of law, the unrecorded assignments at issue here cannot invalidate recorded assignments, and therefore the Court was incorrect in accepting Hoffman's assertion as fact for the purposes of this motion. PH submits that the Court should: (1) reconsider the order; (2) treat Plaintiff's conclusion as a legal conclusion entitled to no weight or presumption of truth; (3) determine as a matter of law that the unrecorded assignments did not detract from the validity of the recorded assignments; and (4) grant PH's motion to dismiss with prejudice.
PH's position relies on the claim that an unrecorded mortgage assignment can never invalidate a recorded mortgage assignment. In support of this position, PH cites to only one case, that of Booth v. Wolff Process Leather Co., 224 Pa. 583, 73 A. 959 (1909). In that case, the nonpayment of taxes caused the whole of the principal of the debt to come due according to a provision in the mortgage. One defense asserted was that the mortgage had been assigned before the suit was brought by the plaintiff, an allegation based on the fact that an unrecorded mortgage assignment was produced along with other papers by the plaintiff. However, the plaintiff's answer asserted that the assignment had been executed in contemplation of completing an agreement, but the agreement was abandoned, with the assignment having never been delivered. The court refused to find that a prior assignment had taken place.
Contrary to PH's assertion, Booth does not appear to stand for the proposition that a prior unrecorded assignment can never invalidate a recorded assignment. Rather, Booth holds that the mere existence of an unrecorded assignment cannot invalidate a recorded assignment where that assignment was never delivered and the transaction never completed. With a motion for judgment on the pleadings, the Court is focused on the complaint, and the complaint leads to the inference that the transactions relating to the unrecorded assignments were completed. Booth says nothing about the power of unrecorded assignments to invalidate recorded assignments generally, but the Court agrees that Booth stands for the proposition that evidence of that such transactions never took place would mean that the unrecorded assignments could not have invalidated the recorded assignments.
In the absence of guidance from PH, this Court notes that with respect to title in Pennsylvania, "[a]n unrecorded deed is quite valid as against . . . a subsequent grantee to whom the property is conveyed without consideration. It is also valid and retains its priority against subsequent grantees and mortgagees, even though they give a valuable consideration, if they had notice of the prior conveyance. Ladner Pennsylvania Real Estate Law, §19.03 (6th ed. 2013); Jennings v. Bloomfield, 199 Pa. 638, 49 A. 135 (1901). Ladner explains:
In order to make recording effective protection against frauds, the law must visit some disadvantage upon those who do not record their deeds and mortgages. This has been done by the various recording acts and their amendments from 1775 on, which provide that if a deed is not recorded, it shall be void as against "any subsequent bona fide purchaser or mortgagee or holder of any judgment, duly entered in the prothonotary's office of the county in which the lands, tenements or hereditaments are situate, without actual or constructive notice." Note that the failure to record a deed does not make it totally void, but void only as to the parties mentioned in the statutes. Thus, if A executes and delivers a deed to B who fails to record it, and A thereafter makes and delivers to C, for valuable payment, another deed for the same land, B's deed is still good as against A; but as to C, B's deed is void unless B can prove that C gave no value for C's deed or actually knew or should have known of the earlier deed to B. In this way, the law protects the innocent purchaser without enabling the grantor to derive any benefit from B's failure to record his deed. The law desires not so much to punish B as to protect C.
Ladner Pennsylvania Real Estate Law, § 19.04 (6th ed. 2013). Furthermore, "Pennsylvania clings to the common law premise that a mortgage is an actual conveyance of title to the property from the mortgagor to the mortgagee." Id. at § 22.01. As Ladner points out, "Pennsylvania has consistently recognized that it is well settled in Pennsylvania that a mortgage . . . in form is a conveyance of title." Id. (citing Pines v. Farrell, 577 Pa. 564, 848 A.2d 94 (2004); Winthrop v. Arthur W. Binns, Inc., 50 A.2d 718, 719 (Pa. Super. 1947); Hahneman Medical College & Hospital v. Commonwealth, 52 Pa. Cmwlth. 558, 416 A.2d 604, 607 (1980)).
Mortgages must be recorded within six months, 21 P.S. § 621, but no such requirement exists for the assignment of that mortgage thereafter. Also, mortgage priority is determined from by the time it is recorded, not from its date of delivery, unlike a deed. 42 Pa. C.S. §§ 8141, 8142; Ladner Pennsylvania Real Estate, §23.05(a) (6th ed. 2013). However, assignments deal with the transfer of the same mortgage, rather than new individual mortgages, and in that respect are more like deeds conveying title, where title is to the mortgage rather than the land. As Ladner puts it, "[a]n assignment of mortgage is the transfer of the mortgagee's rights under the promissory note and accompanying security instrument from one party to another. After the assignment, the mortgagor is bound to the new mortgagee, the assignee of the mortgage." Id. at § 26.01.
While this concept deals with deeds and, by approximation, mortgages, this Court has found no authority explaining why it should not apply to assignments of mortgages as well. Parties are invited to brief the issue on summary judgment, should such a motion arise. However, none of the sparse authority cited in the Parties' briefing both on motion to dismiss and now on reconsideration has suggested that the same concept should not apply. To elaborate on this concept, it appears to this Court that where an unrecorded assignment is made before a recorded assignment, the recorded assignment could be invalid if Wells Fargo had prior notice of the unrecorded assignments.
On this basis, it is clear that Hoffman has pleaded enough facts to maintain her claim. She has alleged that prior unrecorded assignments existed and were in the Defendants possession when the claim was brought. Since these assignments were in the origination file with all of the other documents pertaining to the mortgage, this Court can infer, for the purposes of a motion to dismiss, that Defendants were aware of the prior assignments. Clearly, Hoffman will be required to provide evidence of, among other things, (1) the completed transactions involving the unrecorded assignments, (2) Wells Fargo's knowledge of the prior assignments at the time it received its assignment, and (3) PH's prior knowledge of the existence of those unrecorded assignments. Nevertheless, the Court finds no clear error in its determination that Hoffman has sufficiently stated a claim.
PH further argues that there were independent legal grounds for bringing the foreclosure action beyond the chain of assignments. PH specifically points to the theory that the Note was endorsed in blank, enabling the holder-Wells Fargo-to enforce it. PH asserts that, on this basis, the assignments were not material. Indeed, I addressed materiality with regard to the UTPCPL claim against Wells Fargo earlier in this memorandum. Nonetheless, materiality with regard to UTPCPL is different than materiality with regard to the FDCPA, as demonstrated by the case law surrounding materiality under the FDCPA. The Court has already stated its pronunciation of materiality, to the extent it is a requirement in this Circuit. The materiality requirement focuses on weeding out mere technical falsehoods that mislead no one, while covering "genuinely misleading statements that frustrate a consumer's ability to intelligently choose his or her response." Donohue v. Quick Collect, Inc., 592 F.3d 1027, 1033 (9th Cir. 2010). In other words, the measure of materiality is not the misrepresentation's effect on the outcome, but rather whether it would mislead an unsophisticated consumer.
As stated in the memorandum underlying this motion, under 15 U.S.C. § 1692e, "a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a debt." The fact that this allegedly false, deceptive, and misleading representation of the mortgage assignments was accompanied by another theory that was potentially plausible does not diminish the falsity, deceptiveness, or ability to mislead of the misrepresentation made regarding the mortgage assignments. Unlike the UTPCPL claim, there is no justifiable reliance or ascertainable loss requirement attached to the FDCPA.
While I will deny the motion for reconsideration with respect to the FDCPA claim, I recognize that the parties have submitted information bearing on the nature of Ginnie Mae, the entity to which the unrecorded assignments are directed. While this information sheds great light on what probably occurred and on the validity of the recorded assignments, it is most appropriately considered in the context of a motion for summary judgment.
PH also asserts that Hoffman does not have standing to challenge the validity of the assignments. This issue was not raised by PH in the underlying motion for judgment on the pleadings. A motion for reconsideration is not an appropriate vehicle to raise the issue of standing for the first time.
3. Reconsideration of UTPCPL Claim Against PH
The same analysis set forth with regard to the UTPCPL claim against Wells Fargo applies with equal force to PH, and I will grant the motion for reconsideration with regard to the UTPCPL claim against PH. While I initially denied the Motion for Judgment on the Pleadings with regard to this claim, I recognize that I did not consider the impact of the valid theory of a Note endorsed in blank that was also a basis for the foreclosure action. When this alternative basis is considered, the complaint does not adequately allege justifiable reliance or ascertainable loss with regard to the chain of recorded assignments.
IV. Conclusion
Defendant Wells Fargo's Motion to Dismiss will be granted. Defendants Phelan Hallinan, LLP and Courtenay R. Dunn's Motion for Reconsideration will be granted with respect to the UTPCPL claim and denied with respect to the FDCPA claim.
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Activities: Biking, Fishing, Hiking, Horseback Riding Services: Limited Parking
We took the yellow trail to the cave trail back to the yellow and then the Indian mill trail to make a loop. There was construction happening at the entrance and a lot of habitat restoration happening in the park. This cut off a lot of access to the river. The cave and fireplace were neat. but beyond that I felt like it lacked interesting views.
Decent hike of moderate difficulty I would say 4/10. Very annoying that people don't follow a leash law there. Sucks for the alpha dogs. Owners of unleashed dogs be warned that this is at your own risk and you face potential problems.
Almost no one follows the leash rule here. It made it extremely stressfull for my alpha dog and I to enjoy a hike as I had to stop every quarter mile and hold his muzzle shut and his body between my knees while other dogs were allowed to sniff him as he was trying to fight them. Even after I loudly announced from at least 20-50ft away "my dog is not dog friendly". People if a trail is busy......have some respect so everyone and every furbaby can enjoy
For more info about this 400-acre forest and river park, and a trailmap, go to: http://friendsofmianusriverpark.org/
Actually part of this park is in Stamford, part in Greenwich and part belongs to the CT DEEP.
Dogs are required to be on leash, with fines about $100 for an unleashed dog. Hopefully, the culture will change, but for many years, visitors walked their dogs off-leash. So if you're afraid of dogs, be forewarned.
4 trails, all with the name Road (such as Main Road Trail) were formerly carriage roads, when the property was private. These are very popular and often crowded... but if you're willing to explore the lesser-used trails, it won't be crowded.. weekdays you might encounter commercial dog-walkers with up to a dozen dogs, some off-leash.
Weekends are crowded, and parking areas often full... much better on weekdays.
Very nice easy hike. If you like to share the woods, talk with people, then this is the place for you. Very scenic and expect to see a handful of fly fisherman on your hike.
Great trails, really scenic views! Markings were a little off though, making it difficult to navigate at times.
Trails not great for road bikes but managed. Great trails, clean, clearly defined and marked. Didn't like the idea of all the dogs off their leashes. Had to dodge a few. Will go again but will be hiking it!!!
Very crowded and lots of noisy people. Not really where you want to go to get back to nature and tranquility. Hard to park as well.
The path running along the river is really pleasant and peaceful. A few fishermen were out with their fly rods. Lots of dog walkers and a few mountain bikers, so not exactly the most tranquil of environments, but it's easy to see why it's so popular.
This is a great hiking area although some areas are poorly marked and you can easily end up on other trails.
Bring a map with you and watch those trail intersections.
Overall this is a good place to hike with kids and dogs. Highly recommended.
Nicole T. on Mianus Maze Trail
Another family friendly hiking location . Also perfect for mountain biking and fishing
step by step instructions for a nice 2 1/2 hr hike covering most of the Park
Beginning on Cognewaugh Rd on the Greenwich side.
Main Road (on Cognewaugh Rd entrance)
LEFT Oak Trail
LEFT Deer Trail
Stay RIGHT on Deer Trail (at Tree House intersection)
LEFT Second Loop Trail
At Poplar, continue on Second Loop
Cross wooden bridge
LEFT on Fisherman's Loop
LEFT at Cabin Trail
Straight thru Stone Wall follow river
Pass purple home
At End LEFT on Second Loop Trail
RIGHT on Pine Hill Road
LEFT on New Trail
At "Y" stay LEFT , follow river
At River Rd-Field Trail intersection, straight on River Road
Arrive Park Entrance information (Stamford Entrance)
Continue River Rd, go thru gates on paved street 100 yds
Right on River Walk (Treetops sign)
LEFT on Indian Rock Trail
At END LEFT on Indian Mill Trail
In 10 yds, RIGHT on Laurel Trail
LEFT on Swamp Trail
At Water Camp intersection, keep on Swamp Trail
At END, LEFT on Main Rd
LEFT on Dam Road
At END LEFT on Main Road back to the Car
This was a perfect beginning hike for my kids who are 6 and 8 years old. The orienteering aspect of using the compass and map to navigate the maze of trails was very fun. The cave is a treat.
In case you have terrible finding it, the entrance on the Stamford side is at the end of Merriebrook Lane.
Excellent for intense mountain biking. There are many different paths for a great workout and an exciting ride. Can be dangerous so you'll need a helmet. The main trail loops and it's far more casual.


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September 6th, 2016
Episode 771 of 864 episodes
Location, location, location. We always hear that in reference to attracting customers, but what about the effect of location on you and your team? Today we discuss choosing the right environment for your business, and how the office space itself can be a source of motivation or a drag on productivity. Take your business to […] The post MBA738 Choosing The Right Office Space appeared first on The $100 MBA.
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BRIDGEPORT - Now that winter is officially here and temperatures continue to dip, animal advocates want to remind residents to bring their pets inside.
Officer Jimmy Gonzalez heads up the Bridgeport Animal Control office, the biggest municipal shelter in the state.
He says every winter people forget to bring their furry friends indoors at night when temperatures dip below freezing.
Gonzales says if you do leave your dog outside for security reasons be sure it has a proper dog house that's insulated and a heated water bowl.


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Small & medium-sized businesses need to combat the wide range of email threats. What should they look for in a solution?
Email threats can be particularly harmful to SMBs, but many SMBs simply do not have the dedicated internal IT resources to manage, update, and maintain email threat protection on a full-time basis. SMBs should look for a solution that is affordable and easy to deploy & use, yet powerful.
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George creates a vending machine; George's new scarf.
Steve needs an A to pass his history class and his model papyrus boat should help him get one; George helps him test the boat in Endless Park's pond, but a sudden rainstorm sweeps it down the sewer grate.
When George proudly finishes planting his rooftop garden, he discovers that Compass and his friends have eaten all the seeds; George spots a windmill and learns how the wind can power just about anything.


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Visit the local County Agricultural Commissioner for private applicator certificate information.
Visit the Structural Pest Control Board for structural pest control licensing information.
Visit the California Department of Public Health for vector control technician certification information.
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Milltown upgrades capacity at electrical substation in aftermath of power emergency
There are 2 comments on the MyCentralJersey.com story from Jul 13, 2010, titled Milltown upgrades capacity at electrical substation in aftermath of power emergency. In it, MyCentralJersey.com reports that:
The borough's power transformers have been upgraded and generating capacity has been increased following a electrical outage that lasted up to 20 hours for some residents and prompted officials to declare a power emergency.
Join the discussion below, or Read more at MyCentralJersey.com.
#1 Jul 14, 2010
Great the increase in rates should be coming next. Now the town is really ready for someone to come in and make money developing Ford Ave. without the added expenses of upgrading the transformers to handle the extra needs. Well planned once again!
#2 Jul 21, 2010
Look back on the history of Milltown council members who come in, make bad decisions, then move out of town.
Who, in their right mind, can honesty think that increasing Milltown's population by 15% is a good thing?
You can't get out of town NOW at 8:30am. How is it going to be when there are another 300-400 cars trying to exit Ford Avenue?
I have yet to see the most important study - what will be the impact as far as needing extra utilities, personnel (fire, police, sanitation, administrative, etc), busing additional students, and the tax burden to the residents to support it all?
Don't be fooled by the way this project is being disguised as housing for seniors.
It is nothing less than an attempt to make money by destroying a beautiful small town.
This is why no one has seriously proposed making that property into a park for all of us to enjoy.
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Sales Consultant - Wireless - Sioux Falls, SD
AT&T authorized retailer - Pro Cellular - Sioux Falls, SD
Wireless experience preferred. Consultants average $15 - $20 and higher. Interact with customers to identify sales opportunities....
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Accenture - United States
Penetration Testing (e.g., internal, external, wireless, physical, social, etc.). They progress through required promotion into market-facing roles that have a...
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Best Buy - Sioux Falls, SD
What does a Best Buy Mobile Sales Consultant do? Best Buy Sales Consultants excel at selling products and services, working closely with other members of the...
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We currently need a full-time Sales Consultant. When a customer enters an A Wireless retail outlet, they are greeted by a friendly, knowledgeable Sales...
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Wireless experience preferred. Interact with customers to identify sales opportunities. Meet and Exceed Sales Goals in various categories....
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Wireless connectivity, and telecommunications services. Achieve or exceed defined sales goals. Participate in capital projects and coordinate the sales team's...
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Provide hands on coaching to Wireless Consultants. This provides the opportunity to save sales, survey/enhance customer experiences and coach the sales team on...


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Does this restaurant offer outdoor seating?
Is this restaurant good for breakfast?
Is this restaurant good for lunch?
Is this restaurant wheelchair accessible?
Are the prices at this restaurant mid-range / moderate?
Is this restaurant good for dinner?
Does this restaurant offer highchairs for toddlers?
Does this restaurant serve alcohol?
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Is this restaurant good for local cuisine?
Thanks for helping!
go early as they do sell out quickly. Stop on your way to Algonquin to pick up lunch or snacks the tour we were one provided lunch from here and we were happy
This is a popular local bakery in Dwight, midway between Huntsville and Algonquin Park. Make sure to stop and pick up some delicious bakery goods such as sausage rolls, bread for sandwiches, or pastries for your picnic in the park.
I cannot say enough good things about Henrietta's Pine Bakery. I have been visiting every year for the past 4 years and it is always a highlight. The pastries are unbelievable and the closest thing to homemade Croatian strudel I have seen. The bacon cheese bowties aren't for the light of heart, but taste so damn good.
On top of...
We now make it a point to stop here and get pastries every time We're in the area. No matter what We try, it's always delicious!!
We are actually are getting married next summer in Dwight and have asked them to do our wedding cake and sandwiches for lunch. I cannot wait!!
Very reasonably priced too! HIGHLY recommend!
Not sure what they are called but the sticky buns up by the cash, have one!
The Muskoka clouds are awesome as well
This place is fantastic. They have the best baked goods I have ever had. There is a good reason for the line being out the door! Definitely recommend you go early, or you will have to wait awhile (but it's worth it!)
On our way home from Algonquin Park we stopped for a sweet treat and a few meat pies for dinner that night. The meat pies were the best I have ever had. They were full of fresh flavourful meat with tasty sauce and homemade crust. I wish I had bought a few dozen to freeze. Next year I will try...
Excellent baked good. Spinach feta croissants. Many different pies. Definetely could make a meal to go here. The only drawback was no gluten free breads.
Lovely people and yes..the foffe is great
Every year we go to a friend's cottage about 10 mins from Henrietta's. We always stop there to get some baked treats for after dinner and with coffee. I love the Chinese Chew and their variety of squares and pastries is fantastic! You can also get gourmet sandwiches and meat or vegetable pasties (like an empanada sort of) if you...
love this place. Great coffee ,Amazing deserts ,best meat pies hands down. Tasty soups. This place is a hidden gem . They are in a league of their own . Check it out you won't be sorry
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.
On their website they say they have expanded to Huntsville. Does anyone know if either location is open around New Year's?
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David LaChapelle's Former Agent Counter Sues for $75 Million
Posted by David Walker on Friday March 29, 2013 | Business, Fine Art
Posted by David Walker on Friday March 29, 2013 | Business, Fine Art
In what appears to be a tit for tat legal action in a messy business divorce, celebrity and pop art photographer David LaChapelle has been hit with a $75 million lawsuit by the former manager he sued last year for about $3.5 million.
Fred Torres, who managed LaChapelle's relationships with clients, galleries and museums until last fall, alleges that the photographer breached their photographer/agent agreement, stole Torres's customer lists, and is refusing to pay millions of dollars in expenses and commissions due to Torres.
Torres filed his lawsuit March 27 in state supreme court in Manhattan.
He alleges that LaChapelle fired him without notice, destroying Torres's reputation and business in the process. Torres claims that he's owed more than $5 million in expenses for printing LaChapelle's work for exhibitions and print sales, and upwards of $20 million in past and future commissions for exhibition contracts and print sales that he brokered.
Torres also claims that LaChapelle surreptitiously hired away Torres's employees in order to help him (LaChapelle) steal Torres customers lists and other proprietary data. Torres values the stolen information at $40-50 million.
"In or about mid-2012, the photographer defendants created a plan to try to steal [Torres's] extensive share of proceeds and steal its business," Torres says in the lawsuit.
In addition to naming LaChapelle as a defendant, Torres also names the Paul Kasmin Gallery, which is LaChapelle's new exclusive agent, and the former employees who allegedly conspired with LaChapele to steal customers lists and stored prints.
Torres is seeking $55 million in damages from the Paul Kasmin Gallery.
The damage claims include punitive damage, because the alleged actions of the defendants were "the product of malice, ill will, and spite," Torres says in court papers.
Torres says in his lawsuit that he dated LaChapelle in the 1990s, after which they continued a business relationship. In 2008, when Torres opened a gallery and began representing works by other photographers, too, he and LaChapelle signed a brief written agreement to formalize their business relationship.
LaChapelle claimed in his lawsuit against Torres late last year that Torres was withholding $2.8 million owed to LaChapelle for sales of his prints. He also alleged that Torres owed him $755,000 worth of personal loans, and that Torres was refusing to return 800 exhibitions prints that were stashed in storage facilities around the world.
LaChapelle's claim against Torres is still pending, and the photographer has not yet responded to Torres's counter-claim.
David LaChapelle Sues Former Manager
David LaChapelle Sued for $3 Million by Former Gallerist
Rihanna Settles Copyright Lawsuit with David LaChapelle
PPE 2012: David LaChapelle Gets Personal
Posted by Sponsors on Tuesday October 4, 2016 | Business, Social Media/Web
(Sponsored by Workbook) The Launch of the new Workbook.com Combines the Best User Experience and Access to the Best Talent. As the creative industry has rapidly evolved over the past several years, Workbook and its contributors have continued to keep pace with the latest trends. More photographers now direct live action, illustrators increasingly explore animation,... More ›
Posted by David Walker on Friday August 19, 2016 | Business
California-based Brooks Institute and Massachusetts-based Hallmark Institute of Photography have cancelled classes for the fall and announced plans to close down. The two schools, both private for-profit visual arts colleges, have struggled over the past decade with declining enrollments, financial stress, and management shake-ups. Administrators are also blaming new regulations regarding for-profit schools. "[R]ecent changes... More ›
Posted by Conor Risch on Thursday August 11, 2016 | Business, Copyright/Legal
When we were researching our story "What Lawyers See When They Look at Editorial Photography Contracts," which appeared in the June issue of PDN, we asked photographers to tell us about editorial contracts they feel are unfair to photographers. We received a copy of a Condé Nast contract sent to a photographer in 2013 as... More ›


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Welcome to NCI
With over 52 combined years of experience in the telecommunications industry, the NCI team specializes in turnkey broadband services that include engineering, CAD design, materials management, construction and reconciliation.
NCI's skilled in-house construction crews and established relationships with key contracting partners work together to handle fiber and coax projects of all sizes, ranging from small maintenance projects and plant extensions, to engineering and construction of new network fiber rings.
NCI is uniquely prepared to deliver quality results while providing cable and phone services to your company.


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ERIC Number: ED181666
Record Type: RIE
Publication Date: 1979-Apr-27
Pages: 34
Abstractor: N/A
Reference Count: 0
Measures of Student Diversity and Individualized Instruction in Classrooms.
Cantrell, Mary Lynn; And Others
The paper describes pilot work in seven classes with mainstreamed physically handicapped students and four special classes on two measures (Classroom Index of Student Needs and Classroom Index of Individualized Instruction) to describe degrees of student diversity in the classroom and of the individualized educational service provided there. The Classroom Index of Student Needs was formed by combining scores on selected teacher questionnaire items and the sum score on the Permanent Product Information form (an analysis of eight factors, including math and reading achievement test scores, absences, retentions, support services, and outside agencies involved). The Classroom Index of Individualized Instruction was formed by combining teacher questionnaire scores, ratings on the teacher movement observation measure, and ratings on the teacher contact observation measures. Among results were significantly more individualization of instruction and greater student needs in special classes than regular classes. Findings suggested the possibility of using the indexes to measure (1) the number and severity of student needs without identifying individual children as exceptional; and (2) the degree to which the classroom teacher individualizes instruction. (CL)
Publication Type: Reports - Research; Speeches/Meeting Papers
Education Level: N/A
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: N/A
Identifiers: Classroom Index of Individualized Instruction; Classroom Index of Student Needs
Note: Paper presented at the Annual International Convention of the Council for Exceptional Children (57th, Dallas, TX, April, 1979). Print is marginal and may not reproduce well in hard copy.


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Liberduck: "I'm in a New York state of mind."
By 2g1c2 girls 1 cup
His quack could be heard for miles! I took this picture one day whilst out running around town. It quacked me up….an oversized rubber duck just kicking it on top of a business that sells hot tubs in a strip mall. Ha!
Once upon a time I lived in Las Vegas. Just down the street from my house was this sign. Coincidence?
It's been a about a week into January…..and we've all made our resolutions….do you have all your ducks in a row?
Sensei says: "Give a man a fish and you feed him for a day; teach him to use the internet and he won't bother you for weeks."
Today is National Bird Day! Here's to all the birds out there big and small!
Cheese Duck: "A-well-a, everybody's heard about the bird….Bird, bird, bird, b-bird's the word!"
Fitness Duck: "It's been a while since my last work out. I have to stretch and warm up before I stretch and warm up!"
Muscle Duck: "I lift things up and put them down."
A while back Duckshow entered the Three Cubed Film Festival out here in NYC. It was the second time for Duckshow to participate with the stop motion rubber duck film "A Duck Walks Into a Watering Hole." You can view it on the front page now in the video section (just in case you missed it The awards Gala was held last Thursday evening and I am proud to announce that although the film didn't receive any awards, "A Duck Walks Into a Watering Hole" received nominations for best cinematography, best costume, best director, best screenplay, best music score, and best film!! Way to go rubber duckie!
Diva Duck (who plays Gretta Vanderbeak in the film): "I'd like to thank the Academy, my agent, my stylist, my hair people, my fans, my make-up crew, my publicist, my manager.."….cue the music
The resemblance to the Guns and Roses guitarist is uncanny! You can get this duck for yourself or a musician friend at Only Ducks.
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Quick Look
Property brokered by
Get more listing details on brokerage site
Presented By:
Joanne Bunte
(949) 874-1832
Email Agent
Joanne Bunte
(949) 874-1832
Email Agent
Property DetailsThis single level light and bright Golf Villa is located in the beautiful Guard Gated Community of Marbella. The stunning floor plan includes 2 bedrooms, 2 baths , study or 3rd bedroom and additional hallway closet.The open living space and formal dining complete with stone fireplace, French Doors, and patio are the perfect place to entertain guests or just relax and enjoy.The kitchen open to the dining and great room enjoys lots of light and the perfect balcony for barbecuing. The master suite features a fireplace, plantation shutters, and master bath with dual sinks, separate shower, spa tub and walk in closet. The 2 car garage is just steps away and has lots of built in storage. Conveniently located to Guest Parking and walking distance to Club House. Take advantage of a Marbella Country Club membership offering golf, tennis, pool, fitness center, and private dining in the club house all just a short walk away. Located close to shopping, freeway access, Doheny State Beach, and ...
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Additional Property InformationThis condo listing located at 55 Plaza Brisas, San Juan Capistrano, CA has three bedrooms and two bathrooms. A mediterranean style property, it is presently selling at $655,000.
This property is presented by Joanne Bunte of First Team Real Estate headquartered in California.


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When Blake Shelton shared some wisdom on his Twitter page, a lot of people listened.
Blake Shelton is one of the most active country music stars on Twitter. His hilarious personality and tendency to speak his mind no matter what has helped drive 12.1 million people to follow the singer on Twitter.
SEE ALSO: The Best of Blake Shelton on Twitter
On May 11, Shelton took to the site to give out a seemingly random stream of sage advice for his followers that created over 5,000 retweets and 15,000 likes from readers.
First, he gave out some advice to his younger fans about thinking for yourself.
Next, he reminded everyone to choose your heroes carefully, and to not underestimate your own opinions.
He then shared his thoughts on what makes a statement important or worth listening to.
He also shares his thoughts on keeping an open mind and open ears when it comes to news.
Shelton then naturally wraps things up with a little bit of humor.
No one is quite sure what caused this sudden influx of reflection by Shelton, but he's never been one to shy away from speaking his opinion in real life or on Twitter. All in all, Shelton's tweets are sage advice for anyone, young or old.


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- Overcast
- Temperature: 41 °F
Tue, 12/06/2016 - 06:53
- Overcast
- Temperature: 37 °F
Tue, 12/06/2016 - 07:35
Crescent City
- Broken clouds
- Temperature: 44 °F
Tue, 12/06/2016 - 07:04
Crescent City
SAMOA- The U.S. Coast Guard along with the Humboldt County Sheriff's Office are on scene of a water rescue at Samoa Beach. According to law enforcement, just before 5 p.m. Thursday two men went swimming but one didn't return. The victim is on shore and is en route by ambulance to the hospital. We'll have updates as they become available.


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US$136 Avg. price/night
Stannum Boutique Hotel
Edificio Multicine Piso, City Center, La Paz 2631, Bolivia
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Stannum Boutique Hotel Hotel Details
- Airconditioning
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Check-in: 14:00:00
Check-out: 12:00:00
Our contemporary design and amazing views are the perfect combination for the first boutique hotel in La Paz. Stannum Boutique Hotel overlooks this beautiful city from the 12th floor of the Multicine Mall where you are just an elevator ride away from enjoying the movie theatre, all types of restaurants, stores and a gym.
Edificio Multicine Piso City Center, La Paz 2631, Bolivia