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If you are a Norwich Union (NU) with-profits policyholder who has resisted the temptation to cash in on the prospect of a windfall as the insurer distributes its inherited estate, then you've had two bits of bad news.
First Philip Scott, finance director of NU's parent Aviva, warned last week that collapsing stock markets meant there was a risk that the terms of the distribution could change - and you can bet any amendment would not be in policyholders' favour. Then, as I predicted last week, NU imposed swingeing penalties on anyone cashing in their policies by imposing a market value adjustment, reducing the value of the fund by between 13 and 22 per cent, depending on its vintage. That is a significant deterrent for anyone who has lost patience with the reattribution process - or who simply needs the money or is about to retire.
The markets have certainly been turbulent since Norwich Union announced it had reached an agreement with the advocate acting on behalf of its policyholders, Clare Spottiswoode, to hand out £1bn of assets not fully distributed to generations of its policyholders. The FTSE 100 has fallen by about a quarter, some parts of the corporate bond market have fallen much further and property values are down by around 5 per cent.
But Dominic Lindley, principal policy adviser for financial services at Which? - who has been critical of NU's handling of the negotiation - questions whether it would now be seeking to renegotiate if prices had been going the other way. And he points out that Aviva's directors have been claiming that their hedging strategies have protected the value of all its funds from the ravages of the market.
Perhaps a more pertinent reason for Scott's warning is that investors are starting to worry that financial turmoil, which has already devastated the banks, is spreading to the insurance industry. Aviva's share price fell sharply last week on fears that it could be forced to raise capital through a rights issue. While Scott categorically ruled this out, some investors may be wondering why it is giving away £1bn of precious resources to policyholders who were hardly clamouring for it in the first place.
Insurers are generally in better shape than banks both because of tighter regulation on their capital reserves, imposed following the 2001 stock market crash, and because they are less vulnerable to a wave of panicky withdrawals. But the Financial Services Authority has been closely monitoring the impact of a sharp fall in corporate bonds - which now account for more of insurers' investments than equities do.
The agreement between Spottiswoode and NU was announced at the end of July but it still has to be approved by the courts and voted on by policyholders, so there is plenty of time for markets to settle - or, of course, to get even worse. NU cannot arbitrarily decide to reduce the payment; the whole deal would have to be renegotiated. And Aviva might be reluctant to endure the bad press that any change to the terms would get.
Lindley says this is simply the 'latest in a long line of broken promises' by Aviva. Which? has already complained that the distribution of a £2.1bn surplus uncovered as part of the reattribution negotiations is being paid over three years, rather than all at once. That meant those whose policies matured or were cashed in during the three-year period lost out.
With-profits policies were marketed as safer ways of saving because they smoothed out the volatility of the stock market to offer more predictable growth. Market value adjustments, long lock-ins and on-off reattributions merely underline how wrong that perception is.
Rising stock markets can make the most mediocre fund manager look like a star, but bear markets, like the one we are currently suffering, are real tests of their skills. Judging by some research carried out by fund manager T Bailey, far too many are found wanting.
It has looked at the number of managers of UK funds who have come in the top quartile in both rising and falling markets since 1999, just before the technology crash gave birth to the 2000 bear market. The results are alarming: just five of the 160 funds in the UK All Companies sector were in the top quartile in the bear market that lasted until March 2003, the bull market that followed, and the current bear market that started last July. They are Blackrock UK Special Situations, CF Walker Crips UK Growth, Fidelity Special Situations, M&G Recovery and Marlborough UK Leading Companies. In the popular UK equity income sector, the results are just as bad: just three funds out of 59 - Invesco Perpetual Income, Invesco Perpetual High Income and St James Place UK High Income - managed that feat; all three are run by Neil Woodford.
Elliot Farley, senior analyst at T Bailey, says: 'The chances of an investor picking a fund that will perform in both bull and bear markets through the next decade are low. It means an investor needs to monitor his fund portfolio constantly.'


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1 Bed 1 Bath Apartment
$ 1,344
1835 Woodland Field Crossing Apt #365, Grogan\'s Mill, The Woodlands, TX 77380
This listing was uploaded and marketed by
Ritchie Canady,
The Woodlands Locating Services,
(832) 422-6027.
SMS 'LISTINGINFO 1200317' to 41411 to receive agent contact and listing details direct to your phone.
**2 MONTHS FREE W/ 14+ MONTH LEASE** Our apartments are conveniently located within the master-planned community of Woodmill Creek. With a plethora of restaurants, shops, entertainment venues, recreational areas, and businesses within easy distance of Broadstone Woodmill Creek, you're always just minutes from everywhere you need to be. The fine, modern finishes you want, the conveniences you need, the luxuries you crave. All ready to simplify and enhance your life. Two hundred miles of hike & bike trails. Quick access to employment centers. Famous eateries and chic boutiques. Two public golf courses offering 36 holes of championship play. Plus everything from rock to Bach at Cynthia Woods Mitchell Pavilion. Major employers near The Woodlands Development include The Woodlands Resort, Toyota Center, ExxonMobil, Chevron Phillips Chemical, Halliburton, Memorial Hermann Hospital, Market Street Shops, and more. You'll enjoy being close to places like Buca Di Beppo, Cinemark 17, BBVA Compass Stadium, The Disney Store, and Wal-Mart, among many others. Convenience is key when you're a resident at Broadstone Woodmill Creek! Our community does not accept renters with a felony record or unpaid broken leases. We are also not authorized to accept government housing vouchers. We apologize for any inconvenience. Equal housing opportunity. Our service to you is completely free and we specialize in apartment rentals in this area. Prices and specials are subject to change daily. Photographs in this advertisement may or may not be of the particular unit being advertised. Contact us today to schedule a tour of your new home!
[ Last syndicated 23-Apr-17 / ID 1200317. ]
Ritchie Canady
The Woodlands Locating Services
(832) 422-6027
For more info, contact agent or book a tour text LISTINGINFO 1200317 to 41411 (standard network charges apply)
• Post ID: 52246578 houston

subset: commoncrawl


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Home ⋅ Gift Tags, Custom Stickers, Custom Labels ⋅ Animals ⋅ Cars & Trains ⋅ Favorite Characters
"These great gift tags looked adorable with the loot bags. I would have liked just a little more room to write the guests names on to personalize the loot bag. Overall however just as adorable as the invitations!"
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ED Magedson – Founder
Ripoff Report
Cosmetic Laser Center of Baltimore Dr. William Dando405 Fredrick Rd Suite 200 Catonsville, Maryland United States of America
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A Bit More About Me
I'm a dancer and so I suffer from many things like blisters and clicky joints. I've also got a strained back at the moment, but that's not from dancing.
I suffer from vitiligo (don't know if that's how you spell it), or so the doctor decided yesterday. It's something in your bloodstream which means you lose colour or something? Anyway, I've got a white streak in my hair that sprouts from a patch where the skin is entirely white with no colour at all, and apparently it could quite easily spread or sprout up elsewhere; I could end up with white blotches on my hands or something. It's in the family.
In addition to this, I've got dodgy joints. Well, there's a fancy word for that, and apparently it's linked to the vitiligo, it's not just me being a bit loosely put together. I click a lot and dislocate things. It hurts.
That's enough about my medical history, I think. Let me tell you about ... hmm, my organisational skills.
Not much to say about them, for the simple reason that they don't exist. Well, no, I'm mildly organised. There are three countdowns on the whiteboard on my wall right now.
1) Kelley O'Boyle Open Feis (25th September 2010)
2) NaNoWriMo 2010 (1st November)
3) Lord of the Dance at the O2 arena (3rd November)
That will probably tell you something about me too!


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Super quiet, been there done that kind of personality, attention grabber kind of mare. Shown her 2 year old year in a couple local western pleasure classes…SOLD
Smith is an experienced carriage horse that has retired from that 'job' and is looking for something new to excel at. He's very friendly, easy to handle…SOLD
This five year old is ready to work, he's always eager, first to the gate, outstanding temperament, loving, and cuddly. Calm when travelling, loads, baths…SOLD
Bart has been there, done that. He's has worked successfully as a logging horse, has been a team horse in a horse-drawn carriage operation, and has also…SOLD
Jakarta is a very pretty, good looking boy. He has really nice conformation and muscling. He should make a great athletic horse for any discipline. He…SOLD
This guy was raised out on a ranch in the Chilcotin, he grew up out on the range and sure knows how to look after his feet! He comes from a long line of…SOLD
10 quarter horse gelding. 14.3 Has solid pattern, very easy to ride. Running in the 2D times, ready to move up to 1D. Has run goats, poles, roped and…SOLD


text:
How to sleep better at night?
Right before its bedtime, eat a spoonful of honey.When you go to bed, set up a routein like get washed, brush teeth, put on lotion, read, listen to some relaxing music, file nails, stuff that is re...
Read More »
How can i sleep better at night?
Try to concentrate on something good in your life....it helped me!!!!
With a new laptop, when I got to bed, is it better to leave it on all night or put it in "sleep" mode?
Sleep mode is better than "running all of the time" mode.The lifetime of power supplies, especially on laptops, is not forever. Going to sleep saves on this sort of wear and tear.There is no long-...
Read More »
Do you get enough sleep or too much 'Seven hours sleep a night best for health'?
This time of year I'm manic due to long days. I go to bed about 11-12 and get up at 4.In the winter I enter my hibernation mode and go to bed about 10 and get up about 8.This is in a perfect world,...
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Is there anyway i can get to sleep quicker because im up half the night trying to get to sleep lol please help?
You can try taking tylonel pm or benedryl. However, don't do it all the time. It's nice once in awhile, but you don't want your body to rely on it. Make sure that you allow enough sleep if you t...
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Biopics frequently seem to be released in pairs - last year there were rival Steve Jobs movies and this year two premiere at Sundance about Florida news reporter and TV host Christine Chubbuck.
The first is a straight-forward biopic, Christine, which sees Rebecca Hall (The Prestige) play Chubbuck, while the second is more meta, with Kate Plays Christine charting actor Kaye Lyn Sheil's (House of Cards) preparation for playing Christine in an upcoming movie (which does't exist, but the film has still been classed as a documentary).
Chubbuck's story is an obvious choice for an exploration on the big screen, given her intentionally dramatic and even cinematic method of suicide, which inspired the screenplay for 1976 news anchor meltdown movie, Network.
The morning of July 15, 1974
Arriving to work at WXLT Channel 40, a station with a growing tendency to report gruesome news stories (something Christne apparently "detested"), Chubbuck confused her colleagues by starting her Suncoast Digest show with a news bulletin.
She covered three national news stories and a shooting at a local bar. When the film reel for the latter jammed, the camera cut back to Chubbuck, who looked into the lens and said: "In keeping with Channel 40's policy of bringing you the latest in blood and guts and in living colour, you are going to see another first - an attempted suicide."
According to the Sarasota Herald-Tribune, Christine promptly drew a .38 caliber Smith and Wesson revolver from a shopping bag behind her desk and shot herself behind her right ear, falling forward and striking her head on the desk before falling to the floor.
WXLT's technical director quickly faded to black, and a standard public service announcement was broadcast, followed by a movie.
She reportedly said "attempted suicide" to cover herself in case she was not successful, and this was not the only premeditated element to her death.
News director Mike Simmons would later find a complete script for the day's show among her papers, which included a report of her death to be read out by whichever reporter took her seat.
"She had written something like 'TV 40 news personality Christine Chubbuck shot herself in a live broadcast this morning on a Channel 40 talk program. She was rushed to Sarasota Memorial Hospital, where she remains in critical condition,'" he was quoted as saying by The Dallas Morning News, and indeed 'critical' was how her condition was reported at the nearby hospital, where she died in the evening.
Chubbuck, who is thought to have killed herself due to personal rather than professional problems - in spite of her final words - purchased a pistol eight days before the broadcast.
"I asked her why she thought she needed a gun," fellow Channel 40 news reporter Rob Smith explained.
"She replied: 'Well Rob, I had this really nifty idea, I thought I'd bring it to work and blow myself away during my talk show.'"
The broadcast was taped as per Chubbuck's request, according to the Tribune, but the only copy of the tape - a continuing object of fascination among the more morbid parts of the internet - was seized by Sarasota County Sheriff's Office as evidence, before later being passed onto Chubbuck's family.
Chubbuck had been suffering from depression and suicidal tendencies for a long time, with her mother later summarising of her death: "Her suicide was simply because her personal life was not enough".
If you are suffering from depression, get help by calling the Samaritans on 116 123.
- More about:
- Sundance Film Festival


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New Braunfels Herald Zeitung Newspaper Archives
December 30, 1982
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New Braunfels Herald Zeitung (Newspaper) - December 30, 1982, New Braunfels, Texas Dallas, Texas i'iloroj; Lox , Inc.-et: ii It ch womb Ie x.o. bo* ^$^36 Oft 11 es , ]>xe«t 75 Comp.Latest economic data points to recovery WASHINGTON (AP) - Nearing the year's end on a promising note, the government said today its main forecasting gauge for national economic health rose 0.8 percent in November, the seventh gain in the past eight months. Although many economists say the recession probably was persisting last month, the November gain in the Commerce Department's Index of Leading Indicators appeared to be a new signal that there will be at least moderate recovery early in 1983. Commerce Secretary Malcolm Baldrige said, "The good advance in November's index points to an economy moving toward recovery. Both the size and the breadth of the improvement were favorable." "The leading index has shown a net increase of 5.3 percent since March," he said in a statement. "This is below the average post-war gain of 10.7 percent over comparable periods and probably indicates that the business upturn will be moderate in the early stages." In a separate report today, the Labor Department said Americans' initial claims for unemployment benefits rose from 533,000 to 544,000 in the week ending Dec. 18. But the new claims were still far fewer than the weekly totals that exceeded 600,000 during most of the fall. The leading-indicators index is a compilation of IO separate economic statistics covering a wide variety of areas, including layoffs, inflation, stock prices and orders for factory goods. When most of those components rise, overall business activity is supposed to rise soon thereafter. In November, the report said, seven of the indicators rose, led by a big increase in the nation's money supply. Also showing improvement were an increase in the average work week, a decline in initial unem-ployment-benefits claims and increases in orders for consumer goods, building permits for future housing construction, prices of certain raw materials and stock prices. Indicators showing weaker performance in November included business deliveries, total liquid assets and contracts and orders for new plants and equipment. After declining for ll straight months, the index began a rise that has been interrupted only by a 0.5 percent decline in August. The index rose 0.8 percent in September and 0.3 percent in October. Those three results were revised downward in the new report. They had been reported earlier as a decline of 0.2 percent and gains of 1.1 percent and Q.6 percent, respectively. The new November figure is also subject to later revision when more complete surveys are available. In the past, the national economy has at least begun significant recovery within a few months after See INDICATORS, Page 14 I Ll Ll L *•- MW New New Braunfels, Texas Herald-Zeituno Vol. 91 - No. 254 1 4 Pages THURSDAY December 30, 1982 25 cents (USPS 377-8801 Lawyer's death ruled suicide By DYANNE FRY Staff writer The death of Brownsville attorney Peter Watts Dean has been ruled a suicide by Justice of the Peace K G. Blanchard Blanchard made his pronouncement Wednesday, having just returned from a holiday trip. Investigation into Dean's death, and an autopsy of his remains, were completed before Christmas. The Travis County Medical Examiner determined that cyanide poisoning was the cause of death. Texas Ranger Ray Martinez and Comal County Sheriff's Investigator Rudy Rubio worked on the case "We all felt pretty strongly that it was suicide," Blanchard said Wednesday. "But this guy was involved in so many things, we had to check things out." Dean's body was found on the morning of Dec. 21 in the back of a Chevrolet Blazer parked off Smithsons Valley Road A tumbler of cyanide-laced Coca-Cola was found in the vehicle. Blanchard said Dean had also written a note on a piece of 84x11 paper, asking whoever found him to call his wife, Paulette, or his father-in-law. Paul Siltier of San Antonio. Phone numbers were listed. Siltier owns the property where Dean's Blazer was parked. Another city resident, Mike Crocker, leases the land for cattle ranching. Crocker told authorities he saw Dean there, and spoke w ith him, on the night of Dec. 20. When he came back the next morning, he found the body. A hose was hooked to the Blazer's exhaust pipe, leading to the interior of the vehicle The autopsy showed some carbon monoxide in the attorney's body, but not in lethal concentrations. When the official business was over. Dean's remains were cremated. A memorial service was held Dec. 23 in the Porter luring Funeral Home chapel. Lawrence W Ludka, son of Mr. and Mrs. Chester Ludka of Bulverde. See SUICIDE, Page 14Ring in the new Police set for busy New Year's Eve From staff and wire reports New Year's Eve revelers who drink and drive will risk a visit to jail after their night on the town, thanks to some beefed-up local law enforcement of drunk driving statutes. Department of Public Safety statistics estimate 43 persons will die on Texas highways over the New Year's Eve holiday period DPS stats also predicted 52 traffic-related deaths over Christmas, but only 44 persons died on state highways, according to the San Antonio DPS Office. New Braunfels DPS Trooper Jim Shea said Thursday all available patrol units will be scoping out the roads over the New Year's Eve holiday period, which goes from 6 pm. Thursday to midnight Jan. 2. "Driving while intoxicated will be the main hazard we ll be looking for. Yes, we will be spending most of our time getting drunk drivers off the road," Shea added. New Braunfels Police Patrol Division J. John McEachern echoed Shea's statement. "Our normal shift overlap will give us a double whammy of patrols out on the road, and we are, of course, aware of the above-average alcohol consumption during this period. Getting drunk drivers off the road will be our primary emphasis," McEachern said. "We know what's killing people on the highways. And so does the public." That same public has seemed to lose patience with individuals who drink and drive and endanger the lives of others. Several states have enacted tougher drunken driving laws. In Tennessee, a new state law requires at least 48 hours in jail for convictions, and in New Jersey, the drinking age rises from 19 to 21 when the clock strikes midnight. Three new provisions of California law on drunken drivers take effect Jan. I, tightening rules on blood alcohol tests and license suspension hearings. The California Highway Patrol expects some 1,500 drunken driving arrests statewide over the See NEW YEAR, Page 14 House fire The cause of a house fire at 295 West End Street Wed nesday afternoon is still under in vestigation by New Braunfels Fire Department officials When firefighting units arrived at the house at 5.17 p.m., the back portion was fully engulfed with flames, a NB Fire Department spokesman said Thursday. The flames were extinguished quickly, but the back room of the house was entirely gutted The rest of the house, unoccupied at the time of the fire, sustained smoke and heat damage. The spokesman said three units responded to the fire, and put in over 34 hours in putting out the flames and in clean up work afterwards. Above, Fire Chief Jack Wilson surveys the damage. Right, a firefighter sifts through a pile of the family's belongings. Stat! photos bv Cmdv Rtvhattiso Looking back at '82it was a rough year for the county appraisal district It's been a rough year for the Comal County Appraisal District. Chief Appraiser Glenn Brucks figures things can only get better in 1983. "I would think it would be," he said cautiously. "I can't unagine that it would get worse than it was this year." Brucks and his staff spent 1982 doing something that had never been done before. They took three major tax rolls (plus a handful of minor ones) and consolidated them into one central roll, putting one "fair market value" on each of more than 60,000 parcels of property. They created a master file for the various types of exemptions allowed under the law, and put it all on computer records. The district's board of directors set up a six-member Appraisal Review Board to hear complaints. The board heard more than 200, made value adjustments on ap proximately half of the properties concerned and sent the roll back to Brucks for certification and distribution to Comal County's tax-levying governments. Naturally, a task of that magnitude couldn't come off without a few hitches. General Portland Inc., one of Comal County's largest industries, was not happy with the review board's judgment on its assessed value and filed suit against the appraisal district. Early in 1982, GPI settled out of court on unfair taxation suits filed against Comal County and the Comal Independent School District in 1981. Its tax-roll value, assessed by professional appraisal service T Y. Pickett & Co., went up 20 percent for 1982. The appraisal district is also facing a suit from the Guadalupe Valley Electric Cooperative. Both suits are still unsettled at this time. Texas Industries, which also made trouble over its taxes last year, also complained to the review board. In the end, it filed suit on Comal County, but not on the appraisal district. Production of the tax roll was delayed again and again by a host of difficulties: deed discrepancies, lack of adequate maps, problems with computer entry and sheer volume of records. Brucks had hoped to have preliminary figures available to the various governments by June I or before. When he finally released them at the end of August, officials of Comal County and the Comal Independent School District were chomping at the bit. With all property values being adjusted (some radically), the governments had very little idea what their actual 1982 tax base would be. They needed the figures to plan their budgets.Elected county officials to be sworn in Saturday By JACQUELINE SMITH Staff writer With the beginning of a new year, another chapter in Comal County's governmental history will be w ritten Saturday at the Courthouse. The official changing of the guard in various county offices will take place when 207th District Judge Robert T. Pfeuffer swears in the newly-elected county officials. The ceremony, to which the public is invited, will begin promptly at ll a.m. in the District Courtroom, second floor of the Courthouse. Following the swearing-in ceremony, which Pfeuffer said will be "short and sweet." a reception will be held in the rotunda outside the courtroom. In previous years. County Clerk Irene Nuhn has done the swearing-in of new officials, often done at the stroke of midnight New Year's Eve. This year, however, Pfueffer agreed to do the honors for Nuhn, who is retiring this year after serving as county clerk since 1964 Pfeuffer opted for the Saturday morning ceremony as opposed to the midnight swearing-in because he said he felt "it i midnight i was inappropriate for family, friends (of elected officials) and the press." County Judge elect Fred Clark requested that Pfeuffer perform tile swearing-in ritual, Pfeuffer noted All of those county officials elected in the November election are expected to be on hand for Saturday's ceremony, Pfeuffer said iii a telephone interview Thursday. Various out-gomg elected officials, such as County Judge Max Wommack, who is stepping down this year after serving as county judge for 12 years and Nuhn, are also expected to be on hand, Pfeuffer said. Included among those officials which will bo sworn in Saturday for their first term of office are County Clerk elect Rosie Bosenbury; County Court-at-liiw Judge elect Ron Zipp; and Precinct 4 County Commissioner elect Rill George George will be replacing incumbent Commissioner O R Heitkamp, who lost in his attempt to seek re-election in the November election. Bosenbury, a Republican, beat her Democratic opponent Betty Moorhead in the fall election. Zipp ran unopposed. Clark, a Republican, defeated his democratic opponent Chester Pehl in the November election. Although not certain w ho would be making speeches at the swearing-in ceremony. Pfeuffer thought Clark would probably "say a few words." Those outgoing county officials present S^.urday will also be recognized.Inside No one could set a tax rate until the roll was certified, which couldn't be* done until the review board had held hearings on the preliminary values releasd in August. And the law requires a certain waiting period, to give property owners a fair chance to look at their values and decide whether to complain. The final roll wasn't released until the first week ui November. Individuals tax statements for Comal County and the City of Garden Ridge went out just before Christmas. CLS!) got its last ones in the mail just today. The county's customary discount for early payment in October, November and December became a moot point. In the end, it's the property owner that got squeezed. By state law, taxes still must bt* paid by Jan. 31, or be subject to penalties See APPRAISAL, Page 14 Today's Weather Comal County forecast calls for cloudy and cold today, tonight and Friday. Winds will bt* from the northeast near IO mph today, decreasing to 5-10 mph tonight. Probability of rain or drizzle is 30 percent today, 50 percent tonight, and 70 percent Friday. Sunset will be at 5:42 p.m., and sunrise Friday will be at 7:25 a .m.HP Tops Providence The New Braunfels Unicorn girls basketball team came home with a 50-47 victory over Providence Wednesday night. Teresa T' Thomas is on a roll with another high-point game. She tiad 22. Sea Page 6 CLASSIFIED. .....................IO 12 COMICS............................13 CROSSWORD........................13 DEAR ABBY..........................6 DEATHS.............................2 HOROSCOPE.........................2 KALEIDOSCOPE.......................6 OPINIONS............................4 SCRAPBOOK ...................... 5 SPORTS............................7 8 STOCKS.......................... 14 TV LISTINGS.........................13 WEATHER .......................... 2 ;
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ED Magedson – Founder
Ripoff Report
FIA Card Services, N.A.P.O. Box 15026, , 19850-5026 Wilmington, Delaware United States of America
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
I am writing this report to warn all consumers about the FIA credit cards so they do not fall prey to the same abusive business practices of this company.
I had a Platinum card with them for at least three years and did not miss any payments at all. The problem started around the same time that the credit and consumers law was being changed.
Initially they increased my interest rate. About six months ago when I called to negotiate a lower rate, not only did they denied it but sent me a letter several weeks later informing that due to the fact that I had a delinquent payment on my Mortgage they were lowering my balance from 5,000 to 2,000.
I had a letter from the Mortgage bank apologizing for their error and it also indicated that they sent a report to the credit agencies to correct the error so I called to explain. Besides showing total lack of concern, the representative from the credit investigation department just basically indicated that it was their prerogative to make this decision and this was final. I offer to send the letter from the Mortgage company, but that did not matter to him at all.
The next thing I know, is that they now decided to close the account because, in addition to having this delinquency my balance is compromised or near the limit.
I also called them to ask for an explanation, because this was due mainly to their previous action but the representative brushed me off in a similar way than the other representative.
I understand that the company has the prerogative to cancel their accounts, but to say that they have shown complete lack of customer focus is an understatement.
This report was posted on Ripoff Report on 02/01/2010 03:10 PM and is a permanent record located here: http://www.ripoffreport.com/reports/fia-card-services-na/wilmington-delaware-19850-5026/fia-card-services-na-po-box-15026-abusive-credit-practices-wilmington-delaware-563186. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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"The Artist's Channel" is a television channel watched on the computer via the internet that contains more than 100 hours of art instruction videos covering topics ranging from basic to advanced techniques in drawing, watercolor, oils, acrylics, pastels, colored pencils, printmaking and a number of other areas. Currently featured artists include Janet Walsh, Eric Wiegardt, Zoltan Szabo, Ellen Fountain, Johnnie Liliedahl, Jan Kunz, Michael Britton, Tony van Hasselt and many more.
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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
I am renting a room on the top floor of a house. There are two other bedrooms, however they are not being rented at this time. There is no written agreement. When I first spoke with the woman on the first floor, she stated that I have a room and use of the bathroom and a kitchenette area. I have purchased items for standard living purposes. Such as a microwave, toaster oven and griddle for the kitchenette area. I also have my items in the bathroom. Again, I have been the only person on the second floor. The woman on the first floor has someone coming to visit for a brief time and staying in one of the spare rooms. She has started giving me a hard time about items that I have up here and threatened to kick me out. Trying to find out what rights I have. She is not the owner of the house.
You should speak with the owner of the house, who I presume is your landlord, to find out what areas are covered by your tenancy. I don't see how a woman on the first floor of the house -- who doesn't own the house -- would have the power to kick you out. If she's not your landlord, I wouldn't take any threats she makes like that seriously. She just sounds like an annoyed co-tenant. Unfortunately there's no law against being a bad housemate.
In the future, be sure that your rental arrangements are ALWAYS memorialized in a written agreement to prevent exactly this sort of issue.
Douglas Lloyd is licensed to practice law in the Commonwealth of Massachusetts. Answers provided on Avvo are intended for informational purposes only; they are not intended as legal advice and do not create an attorney-client relationship. The material is presented with the understanding and agreement that I am not engaged in rendering legal or other professional services by posting it.Ask a similar question
I disagree with the previous answer. There are good times and good places for use of tenancies-at-will.
As for your "rights", it really depends on the extent of the agreement you had when you moved in. Yes, speak with your landlord. But, also know that with a tenancy-at-will, it is just that. A tenancy that can be severed at the will (albeit with some process and procedure) of either the landlord or tenant.
I am licensed in Massachusetts. Any advice I provide is for informational purposes only and in no way constitutes an attorney/client relationship. If you are in need of legal counsel, you should contact a local attorney.Ask a similar question
You live in a boarding house. If you pay your rent on a weekly basis, you are entitled to 7 day's notice of the landlord's intent to terminate the tenancy. If you pay your rent on a monthly basis, you are entitled to one month's notice. After the notice period is over and you continue to occupy and pay your rent, your landlord must file a complaint in court to start the eviction process.
My answer, above, was meant to help you understand some of the legal issues presented in your summary of the circumstances. It was meant to provide information only. It was not meant to provide you with legal advice or create an attorney client relationship. You should continue to research your situation and take the opportunity to meet with an attorney.Ask a similar question
Thanks. I also found out that the woman who is threatening to kick me out rents from the landlord, but does not have a written lease agreement. She also has not been paying her full rent for quite some time. I pay my rent every month.
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Trust License Positions Northwestern for Wealth Market
August 21, 2000
Northwestern Mutual Life Insurance Company of Milwaukee, Wis. has been given permission by the Treasury Department's Office of Thrift Supervision to establish a trust company that will offer trust services and investment management services to wealthy clients, the company announced.
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Northwestern said that it wants to take advantage of the transfer of $10 trillion in wealth from Baby Boomers to the next generation.


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Could Applying A Tumeric Alternative Be Beneficial While Roasting
Could Applying A Tumeric Alternative Be Beneficial While Roasting
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Supreme Hearings Live on Court TV9/08/2005 5:31 AM Eastern
Court TV News will air live coverage of the Supreme Court nomination hearings of John Roberts Jr., scheduled to begin Monday.
Chief anchor and managing editor Fred Graham will cover the proceedings from Washington, D.C., joined by Alan Dershowitz, defense attorney, Harvard Law professor and author; and Ken Starr, Pepperdine University Law School dean and former independent counsel in the Whitewater investigation and President Clinton impeachment hearings.
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Articles from category: Student News
Community Invited to Join BC Choir
Aug 13, 2015
Bluefield College's Masterworks Chorale will begin rehearsals in preparation for its fall 2015 concert and, as always, community residents are invited to be a part of the college/community choir.
Online Degree Info Sessions
Jul 16, 2015
Bluefield College will host a series of open house events in cities across Virginia in July for the purpose of sharing the latest opportunities available in its Online Degree Program.
ESS Students Get On the Job Training
Jul 16, 2015
Students at Bluefield College are serving valuable roles in the community, fulfilling callings and living passions, even before earning their college degree.
Education Students Learning First-hand
Jul 16, 2015
When students in Bluefield College's Teacher Education Program completed their studies and graduated this past spring, they did so with more than just knowledge obtained from books and lectures.
Spring '15 President's and Dean's Lists
Jul 6, 2015
Bluefield College has released its President's and Dean's Lists for the spring 2015 academic semester.
BC Confers First Ever Master's Degrees
May 21, 2015
One hundred thirty-seven seniors accepted diplomas during Bluefield College's 93rd Annual Spring Commencement, May 9, 2015. Some graduated cum laude, magna cum laude, even summa cum laude. Others graduated from the Honors Program. But, none were more notable or more historic than the four from ...
Info Sessions for Master's in Nursing
May 20, 2015
Bluefield College's Board of Trustees recently approved the creation of a new master's degree program in nursing, and during the months of May and June, the school will host a series of Town Hall Meetings to introduce the new program to the community.
BC Grads Urged to Pursue their Passion
May 18, 2015
One hundred thirty-seven Bluefield College seniors accepted diplomas, Saturday, May 9, during the school's 93rd Annual Spring Commencement, which also featured the conferring of the school's first ever master's degrees and the presentation of an Honorary Doctorate degree.
Students Celebrate 37th Mud Pig Day
May 14, 2015
It's a tradition like none other -- one that has endured the tests of time for decades and with its embellished memories of origin and antics has become near legendary.
Students Earn Academic Honors (2015)
May 7, 2015
Bluefield College recognized dozens of outstanding students for academic excellence during its year-end Honors Convocation, April 22.
Netflix of Bible Studies Offered to BC
May 5, 2015
Bluefield College Partners with RightNow Media to Bring the BC Family the Netflix of Video Bible Studies
BC to Celebrate 37th Annual Mud Pig Day
Apr 21, 2015
It's a tradition like none other -- one that has endured the tests of time for decades and with its embellished memories of origin and antics has become near legendary.
Missionaries Share Life with BC Students
Apr 20, 2015
Dwight and Mara Williams have a deep inclination for missions, having served in the field for more than 20 years, the majority in Spain, assisting with efforts to grow the Christian church and plant seeds of faith.
Four BC Ensembles in Spring Choral Gala
Apr 17, 2015
The Bluefield College Department of Music will present its traditional Spring Choral Gala, Sunday, April 26 at 3 p.m. in Harman Chapel, featuring four of the school's voice ensembles.
BC to Make History at Spring Commencement
Apr 9, 2015
Bluefield College will celebrate a significant chapter of its history during Spring Commencement, May 9, 2015: the awarding of its first-ever masters' degrees.
Students Style Soles for Needy Kids
Apr 8, 2015
It wasn't your typical student activity at Bluefield College, not even the usual BC community outreach program. But, that's what students have come accustomed to when they gather each spring to "style soles" for needy kids.
Student Art Show Slated for Appalachia Celebration
Apr 7, 2015
Two art shows are among the events featured in Bluefield College's month-long Celebration of Appalachia, including a mixed media Christian art exhibit featuring the works of visual artist Sandra Bowden, now through April 11, and a student art show featuring the works of Bluefield College students ...
Students Unveil 22nd Bluestone Review
Apr 6, 2015
Bluefield College will unveil the 22nd edition of its Bluestone Review during a public reading and reception, Thursday, April 16 at 7 p.m.
Writing Contest Honors BC Librarian
Mar 31, 2015
As part of its month-long Celebration of Appalachia, Bluefield College is hosting the Nora Lockett Memorial Appalachian Writing Contest, dedicated to a longtime Bluefield College librarian, the late Nora Lockett.
BC Theatre Presents Cotton Patch Gospel
Mar 27, 2015
Bluefield College Theatre will present the inspirational musical Cotton Patch Gospel, Thursday through Sunday, April 9-12, as part of the school's month-long Celebration of Appalachia.
Music Students Get Performing Arts Lab
Feb 27, 2015
Bluefield College is bringing cutting-edge technology to its fine arts program in the form of a new state-of-the-art Performing Arts Technology Lab.
BC Students Lobby for Tuition Assistance
Feb 18, 2015
Bluefield College students joined students from 18 other private colleges in Virginia for a day of lobbying for more state financial aid at the Virginia State Capitol in Richmond, January 26.
Submit Creative Works to BC's Bluestone Review (2015)
Feb 12, 2015
Bluefield College is encouraging all students and the local community to get creative and submit their works to the 20th edition of The Bluestone Review.
Chinese Students Visit Bluefield College 02-15
Feb 12, 2015
Bluefield College students are learning about China without even leaving the country and sharing lessons about America with Chinese students from the confines of the BC campus.
Students Named to President's, Dean's Lists
Feb 12, 2015
Bluefield College has released its President's and Dean's Lists for the fall 2014 academic semester. One hundred thirty-two BC students were named to the President's List for earning a grade point average (GPA) between 3.9 and 4.0, while 133 students were named to the Dean's List for ...
Today's BC Students: Tomorrow's Teachers (Fall '14)
Feb 11, 2015
At the beginning of the fall 2014 semester, five Bluefield College students began their final year of training in BC's Teacher Education Program. Their previous years of study included gaining knowledge through textbooks and lectures, but the fall 2014 semester featured training and the ...
Students Inducted into Honor Society
Jan 27, 2015
Twenty-six Bluefield College students were recognized for academic excellence and exemplary character during a recent induction ceremony for the Alpha Chi National College Honor Society.
Students Honor MLK with Service (2015)
Jan 23, 2015
Service: it's a way of life at Bluefield College, a time-honored core value, a part of the school's mission statement, and integrated heavily into students' overall academic experience.
120 Seniors Celebrate Commencement
Jan 9, 2015
One hundred twenty Bluefield College seniors accepted diplomas during the school's 23rd Annual Winter Commencement, Saturday, December 13, in a program that featured a keynote address from David Henry, chief executive officer of Bluefield Regional Medical Center.
BC to Host Winter Worship Weekend
Jan 6, 2015
What do skiing, snowboarding, tubing, rock-climbing, dodge-ball, concerts, worship, and life on a Christian college campus all have in common?
Students to Show Art in Fall Exhibit
Nov 5, 2014
The works of Bluefield College art and graphic communication students will be on display during a Fall Student Art Show on campus, November 17 through December 5.
Want to Study Web, Mobile Programming?
Nov 4, 2014
In response to demand and the growing fascination with web and mobile technology, Bluefield College has developed a new academic program for students: web and mobile programming.
Students Crown 2014 Homecoming Court
Oct 22, 2014
Bluefield College students crowned the school's 2014 Homecoming Queen, King and Court during Homecoming festivities on campus, September 26.
Take Part in Hispanic Awareness Week
Oct 17, 2014
Bluefield College will host its annual Hispanic Awareness Week, October 22-26, featuring films, an open house, and other activities designed to increase awareness of the Latino culture.
Chinese Classes Open to Students, Friends
Oct 13, 2014
The cultural exchange program between Bluefield College and the Jiangsu Second Normal University in China is back for the fifth year in a row, offering lectures and discussions on Chinese history and culture for both BC students and the community.
Honor Guard Piper Plays for Students
Oct 13, 2014
Bluefield College criminal justice students are learning first-hand about the history and significance of the bagpipe in law enforcement, thanks to a recent guest lecture and presentation by Trooper Gavin Scott of the Virginia State Police Honor Guard.
26 Professions during Duremdes Week
Oct 8, 2014
Twenty-six students made professions of faith during Bluefield College's 23rd Annual Duremdes Christian Emphasis Week, September 24-26.
BC Student Studies Leadership in Prague
Sep 25, 2014
If you were offered a once in a lifetime trip, would you go? Bluefield College student Gabriele Morgan did. As part of the college's Global Education Program and its mission to develop transformational servant leaders, Morgan took part in a trip abroad this past summer to the beautiful city of ...
BC Students Remember 9-11 with Service (2014)
Sep 23, 2014
Bluefield College students honored the memory of the victims of the tragic September 11, 2001 terrorist attacks on the United States and paid tribute to the heroes who served the wounded that day by participating in a National Day of Service and Remembrance, September 11, 2014.
Richter to Lead Christian Emphasis Week
Sep 17, 2014
Bluefield College will host its 23rd Annual Duremdes Christian Emphasis Week, September 24-26, featuring three morning sessions of praise, worship and discourse led by Tom Richter, pastor of New Hope Christian Church in Queens, New York.
Homecoming 2014: Something for All
Sep 17, 2014
Special reunions, music, dancing, theatre, worship, a memorial run, a live auction, football, tailgating, and distinguished awards. All are a part of Bluefield College's Homecoming 2014, September 26-28, designed to bring together not just former students, but also current students and the ...
Students Make Memories in China
Aug 29, 2014
Bluefield College students are learning about China, but not in a classroom on campus. Instead, the students are learning firsthand through trips to the Far East country.
BC Students Share God's Love in Spain
Aug 1, 2014
Bluefield College students took advantage of their Spring Break in March to take a trip abroad. But, this BC student trip was not your typical college spring fling. This trip was designed to spread the Gospel and grow the church in Madrid, Spain.
Students Earn Academic Awards (2014)
Jul 2, 2014
Bluefield College recognized dozens of outstanding students for academic excellence during its year-end Honors Convocation.
Open House Events for Online Degrees
Jun 18, 2014
Bluefield College will host a series of open house events in cities across Virginia in July for the purpose of sharing the latest opportunities available in its Online degree Program.
Students Named to President's, Dean's Lists (Spring '14)
Jun 13, 2014
Bluefield College has released its President's and Dean's Lists for the spring 2014 academic semester.
Education Students Hands-on Training
Jun 13, 2014
When students in Bluefield College's Teacher Education Program completed their studies and graduated this past spring, they did so with more than just knowledge obtained from books and lectures.
125 Seniors Receive Diplomas
May 13, 2014
One hundred twenty-five Bluefield College seniors accepted diplomas, Saturday, May 3, during the school's 92nd Annual Spring Commencement, which also featured the presentation of a Student Leadership Award, a Distinguished Faculty Award, and an Honorary Doctorate.
Students Celebrate 36th Mud Pig Day
May 1, 2014
It's a tradition like none other -- one that has endured the tests of time for decades and with its embellished memories of origin and antics has become near legendary.
BC Students Unveil 21st Bluestone Review
Apr 29, 2014
Bluefield College unveiled the 21st edition of its Bluestone Review during a public reading and reception, Thursday, April 10.


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Reno, Nev. - The University of Nevada baseball team will begin practice in preparation for the 2007 season on Thursday at Peccole Park. The Wolf Pack open the season at St. Mary's College on Friday, January 26 at 2 p.m. The 2007 season marks the 25th at Nevada for Wolf Pack head coach Gary Powers.
Coach Powers and his staff will welcome 37 players to the first practice on Thursday. Of the 37, 22 will be playing for the Pack for the first time this season. The Pack return 11 letterwinners from last seasons squad that went 26-28 overall and 11-12 in Western Athletic Conference play. Five position starters return in catcher Baker Krukow, first baseman Daniel Eastham, second baseman David Ciarlo, third baseman Matt Bowman, and left fielder Matt Suleski. Also returning is second-team All-WAC designated hitter Terry Walsh. The lone returning starting pitcher is senior right-hander Ryan Rodriguez who topped the team with seven wins in 2006.
Nevada opens the season with 12 road games before returning home to host St. Mary's College on Tuesday, Feb. 20 at 2 p.m. The SMC game is start of a four-game homestand and a stretch of the Pack playing seven of eight games at Peccole Park.


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The Dome Beach Hotel is just a few minutes' drive away there are rural churches, Monastery, Marine life museum, Amusement park, mini-golf & bowling, football grounds. Bitter Lemons Hall is offering the very best for banquets and conferences. It is fully equipped with all the latest facili...
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Latest Stories
Dying Light, Minecraft Dominate PlayStation Store Sales in February0 Comments
March 12, 2015
Hyperdimension Neptunia U Listed by ESRB for PC0 Comments
February 24, 2015
About This Game
- Summary
- Features
- Game Editions
Gamindustri: One of many parallel universes protected by four goddesses known as CPUs. Long ago, these four CPUs engaged in a war for supremacy known as the War of the Guardians. However, this war weakened their protective hold on the world inhabited by their people, and in turn it was flooded by monsters under the influence of an individual known as Arfoire. During the War of the Guardians, one of the CPUs—Neptune—was defeated by the others and hurled down to the world's surface from the heavens. The drop caused Neptune to lose her memories, as learned by Compa and IF, who happen upon the fallen girl. A mysterious book containing knowledge of all Gamindustri's history suddenly speaks out to Neptune, Compa, and IF. With the assistance of this sentient book, the trio embark on an extraordinary journey across four different nations on a quest to save the entire world!
Hyperdimension Neptunia Re:Birth 1 is a remake of Hyperdimension Neptunia, which was previously released in 2011. Renewed event conversations, graphics, and newly added game mechanics will entertain fans who have already played the PlayStation3 version of Hyperdimension Neptunia as well as newcomers to the series.
- An overhauled battle system! Hyperdimension Neptunia Re;Birth1 takes the original game and equips it with the battle system of Hyperdimension Neptunia Victory! This gives the player a more in-depth gaming experience!
- New scenario, new ending! The main story and event scenes are renewed from the PlayStation3 version. The core storyline will remain mostly the same, but the conversations between characters are all new! A new ending has been added as well! This will allow players returning from the PlayStation 3 version to enjoy the game anew!
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Hyperdimension Neptunia Re:Birth 1Publisher: Idea FactoryRelease Date: August 27, 2014MSRP:
Neptune Re:Birth 1Publisher: Compile HeartRelease Date: TBA
Hyperdimension Neptunia Re:Birth 1Publisher: Idea FactoryRelease Date: August 27, 2014MSRP:
Hyperdimension Neptunia Re:Birth 1Publisher: Idea FactoryRelease Date: August 26, 2014MSRP: USD


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The feeling of dread spread around my body and almost paralysed me as I forced myself to move forward. I was terrified beyond all sense after witnessing what had just happened. But I stared blankly into the face of the officer. I stood at my full height and I barely reached his chest. I glowered at him, glaring at the useless adornment on his chest. I was intoxicated by a mix of blinding fury and terror. The officer simply flicked his finger to the left, barely looking at me.
I made my way to the back of the group. There stood the two sobbing children and I grabbed their hands.
"Cisza, hush," I hissed at them.
Gradually, their heaving sobs eased into soft whimpers. As I felt the girls' grips tighten around my hands almost simultaneously, it struck me that the lives here are worth nothing. Nothing. We are all just numbers. They tore apart what remained of thatbabcia'slife when they took her away from her grandchildren. They rip apart lives with a similar ease as that of ripping paper.
But just because these ignorant soldiers cannot see it, we are still people. I am Katya. As long as I live, not even live, but exist, I win. I beat the heartless brutes that would shoot their own grandmother without hesitation.
Those two girls are long dead. I had to carry both their tiny, starved bodies to the pit where the corpses are stacked. As I placed their bodies next to the towering pile, I couldn't help but notice the peace had been returned to them. The fact that they couldn't be hurt anymore, these two innocent girls, returned a sense of peace to me. A feeling that I thought was long lost. Knowing that these girls were spared with a swift death, that let them escape the prolonged suffering of everyone else here, reminded me that there was hope. Grim hope. But it is hope all the same.


text: Udemy - Create Foliage and Trees for Games or Film using SpeedTree MP4 | Video: 1280x720 | 57 kbps | 48 KHz | Duration: 3 Hours | 1.41 GB Genre: eLearning | Language: English Learn to create amazing grass, trees, bushes and more for your games or films using this powerful software! In this course, instructor Emiel Sleegers is going to walk us through the process of learning the SpeedTree-to-CryEngine pipeline while utilizing Maya as the middle-man 3d package for exporting. Here, he will be covering some basics such as bark, bush, and grass texture creation using Photoshop and nDo2, and from there jump right into using SpeedTree where he will teach us the basics of creating and generating different forms of foliage. Once that is complete, he will then cover the pipeline from bring out asset out of SpeedTree and into Maya, and then export out the meshes for use within the CryEngine where he will take those meshes, setup their materials, and finally demonstrate some quick examples of painting landscape meshes onto to terrain geometry. (Students - please look under Section 1 / Lecture 1 downloads for the source files associated with the lesson.) More about the Instructor: Emiel Sleegers is a self-taught 3d artist currently residing in the Netherlands. He's been teaching himself 3D art for the past 3-4 years, and has worked as a freelance artist on numerous unannounced projects. He's a lover of all things 3d and enjoys sharing the knowledge he has obtained with others eager to learn. What are the requirements? SpeedTree CryEngine is demonstrated, but the lesson is applicaable to any pertinent game engine Maya is demonstrated, but can be used with any of the major 3d softwares What am I going to get from this course? Over 14 lectures and 2 hours of content! Create stunning foliage using SpeedTree Learn the basics of texturing grass, trees, bushes, and more as you learn how 3d foliage is made Learn to work with Maya and CryEngine as you setup the foliage in a game engine for a practical application What is the target audience? Intermediate-to-Advanced users who want to expedite the creation process of foliage for games and film Anyone new to SpeedTree looking to add it to their pipeline Buy Premium From My Links To Get Resumable Support,Max Speed & Support Me Code: Download ( NitroFlare ) http://www.nitroflare.com/view/2194A626998BA8F/qlgc7...Create.Foliage.and.Trees.for.Games.or.Film.using.SpeedTree.part1.rar http://www.nitroflare.com/view/0A1CD308EFA229E/qlgc7...Create.Foliage.and.Trees.for.Games.or.Film.using.SpeedTree.part2.rar http://www.nitroflare.com/view/30D97392D55CE85/qlgc7...Create.Foliage.and.Trees.for.Games.or.Film.using.SpeedTree.part3.rar


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Have you ever played the based on real life game of Monopoly? If so, do you have a favourite pewter token that you almost always play with? I do! Mine is the boot. Most of us could do a decent job to describe the game of Monopoly in general terms. This is because this game is everywhere with different versions, and themes like SpongeBob, Star Wars, and Lord of the Rings, but the main concept remains unchanged.
Monopoly was inducted into the US National Toy Hall of Fame in 1998. The Strong which is where the Toy Hall is housed, and its Curator, Nicolas Ricketts, published a story about its acquisition of a historic 1933 "tie-box" Monopoly set in 2010. Known as the Heap Folk Art Monopoly, this version predates the accepted Monopoly "inventor" Charles Darrow's published version by about 20 years.
It is now accepted that conceptual versions of Monopoly with local landmarks existed as early as 1910. Better called "homemade Monopoly boards" represented the local users area landmarks, such as John Heap's Altoona, PA (USA) version which he made for his son, Roy. Roy's memories of playing his father's version from 1910 – 1917 helped Professor Ralph Anspach win his version called Anti-Monopoly in 1975. The toy company General Mills which owned the games' rights, sued Anspach for use of the Monopoly name, but the US Supreme Court supported claims that pre-Darrow versions of the came existed.
If we were to go back even further, we will find that a 1903 version of Monopoly was first born, effectively being designed as an educational tool to explain the theory of a single tax. Her game was called "The Landlord's Game" which she published in 1906. Similar to today's version, her game play involved owning, developing and selling land.
At the heart of the game of Monopoly is an economic concept in which the goal is to have sole control of the market. Players use their turns to buy, trade and develop land through ownership of houses and hotels. Players collect rent and dominate land to bankrupt opponents. It is important to remember that even if the bank runs out of physical cash, the game goes on.
A well liked feature of the game is the "Jail" portion where if a player is sent to jail, direct play puts said player in jail. To be released, player must pay $50, roll a double, or possess a "get out of jail" card. This is different for "visiting jail", where the player has NOT been sent to jail.
Many versions of this well liked game exist. The US versions held mainly colour changes, flat $200 Tax, and altered wording references (like poor tax to speeding fine). This version's properties reference Atlantic City, New Jersey. A note of interest in the standard US version is that in 1995, Parker Brothers acknowledged the misspelling of the now Marven Gardens, and acknowledgement of the four railroads that served Atlantic City in the 1930s.
As for the UK version, the interesting part of its beginning is that in the 1930s John Waddington Ltd sent a card game they developed and called Lexicon to Parker Brothers to entice the US counterparts to publish the Lexicon. Parker Brothers also sent over their copy of Monopoly to the Waddingtons in early 1935 in the same spirit. A transatlantic call ensued when Victor Watson of Waddingtons called Parker Brothers. He believed that for the game to be accepted in the UK, locale names had to be replaced. A trip to London with this secretary took place for this purpose. In countries in the Commonwealth with Canada as exception, the standard British version was used.
More recently, modernized US and UK versions were made to include a "mega", "here and now" and digital editions. There have been token additions and retirements, currencies additions and cost changes, die variations, just to name a few, but a basic monopoly set includes cards, deeds, dice, houses, hotels, money, tokens, and rules.
Official rules specify the parts of the game that make this a truly spectacular entertainment worthy of its game length. Chance and Community Chest, Jail, Properties, Mortgaging, Bankruptcy, House rules, and at this very central the Bank are all vital parts of Monopoly.


text: India A short journey Narasimha Reddy Red Indians, West Indians…. • So many different Indians!! • Columbus went looking for India –Why? • Found America – Birth of Modern America linked to India!!! • About 2.5 million Indians now in USA – We have to prove Columbus Right!! Some Facts • Largest Democracy – 1.1 Billion people – more than 70% rural • Diverse population – 25 States and 10 Union Territories – Many Languages • 22 officially recognized • Unofficially in hundreds – Many Religions • Hinduism (82%), Islam(12%), Christianity(2%), Sikhism(2%), Buddhism(1%), Jainism(0.4%) – As diverse as Europe Marathi Oriya Hindi Kannada Telugu Tamil Diversity • Prime Minister: Manmohan Singh (A sikh) • Leader of the largest political party: Sonia Gandhi (An Italian born Catholic) • President: A woman • Chief Minister of Andhra Pradesh: Rajasekhar Reddy (A converted Christian) Some Facts • Multi-party Parliamentary Democracy – About 50 political parties • Three branches – Parliament • Lower House –popular vote, every 5 years • Upper House –elected by lower house and State Legislators, elected for 6 years, with 1/3 elected every 2 years – President • Elected by Parliament and State Legislators – Judiciary • Lower courts presided by judges (no jury system) Indian Flag • • • • Saffron: Piety and Patriotism White: Purity and Peace Green: Prosperity Wheel: Progress • • • • Emblem on Indian currency From the period of Ashoka Stands for 24 hour justice Protection in 4 directions India: A brief History • Indus Civilization: one of the oldest civilizations – 5000 BC and before • Didn't invade other countries • Many Invaders, most settled and mixed • Muslims from Middle East – Moghul Dynasty • British Colony – Came as Traders (East India Company) • Independent since 15th August, 1947 India: Contributions • Zero, Early Algebra, Decimal system, Early Trigonometry,Yoga, Chess • Gave birth to four religions: Hinduism, Buddhism, Sikhism, Jainism • Secular long before the West – Jews have been living in India longer than in Europe • Non-violence, Peaceful means – Gandhi inspired many leaders elsewhere including Martin Luther King, Nelson Mandela (South Africa) • First University in Takshila in 700BC • Sanskrit –considered the mother of all European languages India: Economic Liberalization • Started in early 1990s under severe economic crunch – $3 billion foreign currency reserves • Economy is now resurgent – About $300 billion in reserves now • Economy largely driven by domestic consumption India: Economy numbers • 5th Largest in Dollar-exchange terms at $1.5 trillion, 4th Largest in Purchasing parity terms $5.21 trillion – Per capita $1,089 or $4,542 • 4 in the top 25 richest people in the world: – Lakshmi Mittal (Steel), Ambani brothers (Telecom, Petrochemicals & others), Azim Premji (Software) • Poverty rate: about 20% • Growing Wealth, growing disparity India: Other measures • Life Expectancy: 64 (male), 67 (female) • Population Density: 324 per sq.km – Roughly 10 times that of USA – Slightly lower than Japan • Per-capita power consumption: 631 Kwh – Roughly 1/20th of USA • Grain consumption – Roughly 1/5th of USA • Meat consumption – About 1/20th of USA India/USA: Wealth Comparison India and TAMU link • In early 70s, food shortages • Green Revolution – Norman Borlag, now at TAMU – Won Nobel Peace Prize • Self-sufficient and exports food now India in Images: Rich Culture India: Architecture India: Art India in Images: Spanning many centuries at once India in Images: Rapidly Modernizing India in Images: Changing Social Practices India in Images: Traditional/Western attire Bollywood Facts • Produces twice as many movies as Hollywood • Popular in many parts of the World – Asia, Africa, Middle East – Europe and USA (Non Resident Indians -NRI) • Movies now made with both Indian and NRI themes Non Resident Indians • About 20 million worldwide – USA: 2.5M, Canada: 800K, Middle East: 4.5M, UK:1.5M, Africa:3M, Malaysia:2.5M • USA NRIs concentrated in few areas – Own 35-40% of hotels/motels – Roughly 1/3 of engineers in Silicon Valley – Doctors • NRIs send back roughly $25 billion to India every year India • • • • • A vibrant democracy Resurgent economy Secular with many religions Diverse cultures and languages Rapidly modernizing


text:
Sunday Driver
Word that West had been hired on at Under Locke & Quiche spread through the town faster than Tina Pope's cold had the previous spring. Business didn't immediately pick up though; it took a few brave souls to go in to confirm that he wasn't serving up flavoured poison and come out, not only alive, but praising his cooking like he was the second coming of Julia Child.
"I don't know what he puts in that salad dressing but he could pour me a glass and I'd drink it right up!"
"Yes, Mama – you're still the best cook in town. It's just that my chicken burger was like really good. Maybe you could ask him for the recipe?"
"Damn, woman! Why doesn't your soup taste like this?"
Within a week the restaurant was near capacity every night and most lunch hours. A few days after that Will and Leah began to consider setting up a reservation system, which would have made it the first in the town. They ended up discarding the idea as they didn't want the older clientele thinking the place had grown too upscale but they were still damn pleased by the sudden increase in profits.
Through all of this West remained a solitary figure outside of work – some might have said inside the restaurant as well, if they were certain he wasn't within a mile of the conversation. He did not attempt to make any friends and he was rarely seen anywhere besides the kitchen and his apartment. Except on Sundays, the one day of the week the Quiche was closed.
Every holy day, as the faithful were gathering to be preached at by Father Nigel, West would be seen driving his convertible down Main Street as he headed out of town. He would return around sundown and seemed to bring nothing back with him. No one knew where he went on his road trips and no one dared to ask. Which, of course, only led to more speculation about Locke's newest arrival and what sort of evil deeds he got up to instead of attending church.
"This is getting ridiculous," Will told Leah over dinner one Sunday night. They were eating on the sun-battered picnic table they'd rescued from the dump and had erected in the backyard. "Did you hear Doug Mather tell Terry Givens that he should check West's odometer before he leaves and after he comes back to see how far he's going?"
"Everybody just wants to be the one to solve the mystery that is West," Leah replied as she reached for her glass of lemonade. She pressed it to her forehead, the ice cubes clicking gently against each other, and added, "They don't mean any harm by it, you know that. As soon as they figure him out they'll accept him as one of their own and leave him be."
"You really believe that? I think he's too different to be accepted by anyone here. Maybe by anyone anywhere. Maybe that's why he keeps us at a distance, so that he can keep moving from place to place without anything tying him down."
"Give me five minutes alone with him," Leah said with a mischievous sparkle in her eyes, "and I'll have him tied down no problem."
"Somehow," Will replied with an amused shake of his head, "I doubt that."
"Hey, just because you don't think I'm attractive doesn't mean the rest of the men on this planet agree with you."
"Don't start that again," Will said with a roll of his eyes. "I know you're just fishing for compliments."
"Guilty as charged," she said with a slight shrug. "So, getting back to Inky."
"I'm allowed to have a pet name for my prey, alright? Anyway. I think we should make more of an effort to include him in things. If we wait around for him to come to us we might as well expect fish to jump out of the ocean, walk to our kitchen, and flop into the ovens."
"Maybe not getting mixed up in his affairs is for the best," he countered, skewering a cube of roasted squash with his fork before bringing it to his mouth. "He may be a great chef but that doesn't mean he's not dangerous. The man obviously has a history."
"Don't talk with your mouth full," Leah said as she looked away in disgust. "And who are we to judge a man by his past, especially when we don't even know what that past is! You're being as ridiculous as all the old gossips at church."
"So what do you propose?" Will asked without enthusiasm.
"Let's have a staff party next Sunday afternoon," Leah said, resting her elbows on the table as she leaned toward her business partner. "We can celebrate this crazy upswing in business and everybody can get to know each other a little bit. Maybe we can play some of those stupid team building games they taught you in university!"
"I don't know," Will said slowly, "I don't want to drag people into the restaurant on their one day off…"
"That's why we won't do it at the Quiche," Leah said with a triumphant smile. Will knew what was coming next but felt powerless to stop it. "We'll host it here!"
"Well we can suggest it tomorrow," Will said, recognizing defeat when he saw it. "But if nobody is interested don't say I didn't warn you. Especially West."
But when Leah announced the event the next day just before the front doors were unlocked to welcome the lunch hour rush, West surprised everyone by not only being the first to agree to come, but by volunteering to bring appetizers as well.
The rest of the staff, after a brief moment of shock, rushed to add their names to the attendee list before the meeting was adjourned. Will suspected that they did so more out of fear of offending their chef rather than a real desire to give up their Sunday afternoon but kept that to himself.
"See?" Leah asked him with a knowing smile after everyone had departed to their posts. "He was just waiting for an invitation – maybe he's really shy and insecure under all that muscle and ink. This is going to be such a great get together!"
Will didn't think that West was the kind of man that needed an invite before making himself at home but he tried to be an optimist. After all, he thought bleakly, what was the worst that could happen?


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Contact & Support
- (+65) 6273 6644
- Fax: (+65) 6272 1763
Edmund Optics Inc. http://www.edmundoptics.com Norman W. Edmund 1942
101 East Gloucester Pike Barrington NJ 08007-1380 USA1-800-363-1992 1-856-573-6295
We continuously listen to and incorporate customer feedback and suggestions to improve the EO website. Is there something you liked or disliked? Please take a minute and let us know! If you leave contact information, we'll be sure to respond.
Are you looking for technical support or have a sales-related question? Use any of our fast and friendly services to meet your needs: email sales or technical support, contact our regional offices, or chat live with us.
The Flat Top Laser Beam Shaper is the perfect solution for generating a high resolution, uniform power distribution from a Gaussian laser source. Designed for Nd:YAG laser sources of up to 6.0mm in diameter, and CO2 laser sources of up to 12mm in diameter, the Flat Top Laser Beam Shaper has both a high damage threshold and high efficiency anti-reflection (AR) coating to guarantee maximum throughput and durability. The Flat Top Laser Beam Shaper features an easy to use external focus adjustment and mounting configuration.
Laser beams with a flat top intensity profile are important in many applications requiring homogenous illumination and high resolution, including microlithography, material processing, and medical treatment. The Flat Top Laser Beam Shaper utilizes refractive optics to turn a Gaussian laser input into a flat top collimated output.
Copyright year, Edmund Optics Inc.
18 Woodlands Loop #04-00, Singapore 738100


text:
1985 Buick Riviera
- Location:
- Clio, MI 48420
- Price:
- $10,500
- Status:
- Expired
1952 Buick Super Riviera-Land Speed Race Car "Bombshell Betty" Gas Competition Coupe vintage engine class speed record This one-of-a-kind car has six Bonneville Salt Flats Land... More
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Despite the majority of the team being newcomers the Tigers were able to operate smoothly on offense and defense thanks to the head start they got on the season when they won a pair of exhibition games in The Bahamas.
Senior Allen Payne noted it was no surprise that the Tigers looked like they knew what they were doing on Saturday. "Scrimmaging is something we have been doing a lot this summer," said Payne, who was on-target with his three-point shots from the wing at Saturday's session.
"We are really trying to set a tone about building our identity as a good defensive team that plays with toughness," Payne said.
Allen Payne is up 15 pounds from his junior to his senior season.
The 2013-14 squad looks like it will feature more good shooters than Barbee's previous Auburn teams, all which included Payne on the roster. "We have more talent than we have had since I have been here and it is showing on the floor," said Payne, a six-foot-six, 220-pound forward. "We are playing with a lot more confidence.
Freshman seven-footer Benas Griciunas was effective scoring inside and beyond the three-point line in the scrimmage. Six-foot-seven junior college transfer Chris Griffin, who was a good scorer for the Tigers in their exhibition games, looks like he will be a threat to attack defenses both inside and outside.
Freshman forward Benas Griciunas makes a move to score inside against senior center Asahun Dixon-Tatum in Saturday's scrimmage.
Freshman point guard Tahj Shamsid-Deen did a good job of feeding the big men, particularly senior center Asahun Dixon-Tatum, who threw down slam dunks while also scoring on turn-around jumpers.
Payne noted that he has higher expectations for his senior season's team and Barbee said he does, too, although the coach said the first day of practice was just "decent" on Saturday.
"This is a hungry bunch, a different bunch," Barbee said of his team that has been forecast to be at or near the bottom of the SEC this year.
"We have competitors, guys who are competing and want to win at a high level," he said. "They are doing it together so what the other people think about you, I have never thought that mattered. It is what you think about yourself, what you believe about yourself and what you can accomplish. This group believes, as a whole, we can accomplish something special this year."
Coach Tony Barbee (left) talks with former Auburn guard John Mengelt, an All-American for the Tigers.
Barbee pointed out that the Tigers opened preseason practice with a solid understanding of what they are doing both offensively and defensively thanks to the summer exhibition games, which he noted were "huge"?for his team.
"Because we have so many new guys, the learning curve was sped up because of all of the opportunities we had to practice this summer," the coach said. "Playing the games was invaluable, but more importantly with the 10 days of practice we had for all the new guys we are so far ahead of the curve right now. It's good to be in that position."
Shamsid-Deen, a lefty point guard, looks like he is a threat to earn a starting spot as a freshman while sharing playing time with junior Malcolm Canada, who is also a newcomer.
"The first practice was okay," Shamsid-Deen said. "I think it went pretty well, but we will definitely pick up the intensity as we go along."
Barbee pointed out that he likes what he is seeing from the freshman, who led his team to three state titles as a high school star at Columbia High School in Decatur, Ga. "He sees the floor like a point guard should," the coach said.
News and Notes: The Tigers opened practice with a healthy roster. The only player on the sideline was seven-foot freshman center Ronald Delph. Barbee noted that it is still to be determined if the signee out of IMG Academy in Bradenton, Fla., will be academically eligible to play this season. Delph is expected to redshirt this season.
Former NBA All-Star and two-time Olympic gold medal Charles Barkley attended Saturday's practice.
Charles Barkley, the most famous basketball player in Auburn history, was at the practice. He was town to participate in Barbee's golf tournament fundraiser for charity. Among the other Auburn standouts at the scrimmage were Marquis Daniels, John Mengelt Gerald White and Chris Morris and pro golf star Jason Dufner. Former Auburn head coach Sonny Smith and one of his former assistants, Tevester Anderson, were at the practice...Auburn will play an exhibition game on Oct. 28th vs. Victory University...The Tigers will go on public display on Friday at 7 p.m. at their Jungle Jam Madness practice that will feature Grammy Award winner Ludacris and comedic actor Mike Epps. Doors open at 6 p.m. for that event at Auburn Arena...The Tigers will open the regular season on Nov. 8th with a home game vs. Nicholls State.


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Bree modelling Model
yazza j-photographyPhotographer Female Lutterworth, England, United Kingdom
My Website: facebookMy MM URL: http://www.modelmayhem.com/yazza-j
Mayhem # 2376708
About MeI am an amateur Photographer just starting out in the world of modelling shoots. I have done a few with pleasing results for both me and my clients and am looking to take the photoshoots further and increase my abilities to produce excellent pictures for my clients
i would love to work with models new to this word like i am but would also like to work with exsperienced models. most of my work has been for portfolios and i love this kind of work but would like to get into magazine/web based work.
i dont have a style of molde or a style of shoot i do almost everything BUT models that i work with must be 18 or over or if under age accompanied by a adult with a signed consent form from that adult.
my goals in the photography world is to be a well known glamor/fashion photographer.
if your new to modelling or even if your not and fancy trying somthing new please feel free to contact me.
thanks yazmin - yazza j-photography
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