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IBM has appointed Virginia Rometty as its first female chief executive in its 100-year history, Daniel Hadlow writes.
© The Financial Times Ltd 2017 FT and 'Financial Times' are trademarks of The Financial Times Ltd.
IBM has appointed Virginia Rometty as its first female chief executive in its 100-year history, Daniel Hadlow writes.
Meg Whitman, who was appointed chief executive of Hewlett-Packard on 22 September 2011, last week announced that she would be drawing a salary of only $1. Her severance package, meanwhile, is just $1.50. Contrast this with outgoing boss Leo Apotheker's severance package, which is estimated at $13.5m. This is a man who has presided over a fall of 46 per cent – worth about $40bn – in his company's share value during his 11-month tenure.
It is official: Hewlett-Packard is once again the biggest Fortune 500 company led by a woman.
After the close of the stock market on Thursday, HP, the world's largest computer maker by revenue, announced that Meg Whitman, the former head of Ebay, would replace Léo Apotheker as chief executive.
Meg Whitman and Carly Fiorina's failures to win seats in the US midterm elections have been widely reported with a that'll-teach-them self-righteousness that I think is misplaced. The takeaway from this is not that the former chief executives of eBay and Hewlett-Packard threw millions of greenbacks into the ring and lost: it's that they did it at all.
This blog is no longer updated but it remains open as an archive.
The 'Women at the Top' blog is part of a series of online and print publications that focuses on women's achievements in business. With up-to-date news and incisive analysis, the blog will provoke discussion on the role of the world's most prominent businesswomen. www.ft.com/womenblog
For more Women at the Top news, video interviews and other features, visit www.ft.com/womenatthetop

subset: commoncrawl


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The stock has increased six-fold in a couple of months while there is absolutely nothing in the business development that even remotely warrants this. For starters, ponder over the following statement from their latest 10-Q SEC filing:
As of September 30, 2011, we had an accumulated deficit of approximately $1.2 billion.
However, let's first look at some fundamentals. BroadVision (NASDAQ:BVSN) is a company that develops so called business portal software for businesses:
BroadVision, Inc. develops, markets, and supports enterprise portal applications. The company's applications enable companies to unify their e-business infrastructure and conduct interactions and transactions with employees, partners, and customers through a personalized self-service model.
This is software that provides each user with a customized view of the company, (supposedly) all the info that his 'role' needs to know in order to function well. Although useful, this is pretty old hat and the sales are declining.
Two years ago, they developed Clearvale, a business social media platform, but in the two years since, this hasn't gotten much traction either (see below).
Some metrics (Yahoo):
- Market capitalization of $230M on 4.52M shares outstanding
- Revenue $17.55M
- Cash $54.41M with zero debt
- While they have a lot of cash (3x revenue, no less), cash flow from operations has been negative all year
Now, our attention was simply attracted by the chart. In December, this was an $8 stock, it has increased six-fold in just over two months. It is now a 50+ stock. Really remarkable, as there hasn't been a single positive morsel of info from the business side, quite the contrary.
Is this six-fold rise in the share price warranted?
We're afraid we have to answer that question with a rather emphatic no. When revenue is shrinking and losses are increasing, we can't see any reason to warrant this dramatic rise in price. Absolutely nothing. In fact, insofar there is news out it's all bad.
- Revenues have been shrinking from $50M in 2007 to $17.5M last year
- The company has two consecutive losses (52 cents and $1.08 per share in 2010 and 2011)
In fact, in the last 10 years, the stock is down 98% and revenues have shrunk from $416M in 2000 to $17.5M last year. Sealing the deal is the fact that even CEO Chen seems at a loss to explain the sudden dramatic change in the fortunes of the stock price:
The Company noted that, during the past few weeks, there has been an unusually large amount of trading activity and price movement in its stock. The Company is not aware of any corporate developments that it believes would explain this unusual activity. ... Looking ahead at 2012, we will continue to execute our two-prong go-to-market strategy of focusing on channel partners via our Clearvale PaasPort program and on driving adoption via our Clearvale Social Enterprise Transformation (SET) program.
Maintenance revenue on existing software deals are declining fast:
And this isn't made up by new license sales, rather the contrary:
So their business is bad. Very bad. While their revenues are plunging, they're eating up their cash. Their new software platform, Clearvale (a business social enterprise platform) has been around since April 2009. It is supposed to provide new impetus, but after two years it obviously hasn't been close to being able to turn things around. Quite the contrary.
It gained one notable win with Softbank in November 2010 (not such a surprise, considering CEO Chen sits on the board), but that hasn't made any financial, nor market impact.
This isn't a surprise because entry barriers to the social enterprise system software are low and there are many better placed competitors, like Jive, and Lithium. One can find detailed analysis of how Clearvale unfavorably compares to the competition elsewhere on the web. Unlike Broadvision, the competition is growing strongly. Revenues at Jive, for instance, were up 67% for the year, not down.
There was an announcement by Chief Marketing Officer Giovanni Rodriguez to 'relaunch' Clearvale, also on November 9 2010, but apparently nothing has come of that and Rodriguez is long gone from the company.
The hard conclusion is that we couldn't detect anything remotely in the development of the business that would warrant any rise in the share price (and plenty that warrants a falling one). Instead, it has increased six-fold in a couple of months. So what's going on?
Enter the promo people
We don't have to look far for a reason to explain the sudden rise. With the low float (2.4 out of 4.5M shares) and the possibility for making all kinds of fantastic claims on the basis of vague similarities to business models like Facebook (NASDAQ:FB) and Jive (NASDAQ:JIVE), there is plenty of room to attract the gullible. And this is what seems to have been happening, as the 'National Inflation Association' (NIA) has been promoting the stock rather heavily with a barrage of daily emails.
And it looks like they are sitting on huge profits, which can trigger selling at any time, the disclaimer from their promotional article:
NIA currently owns 148,400 shares of BVSN. NIA intends to sell these shares and can sell them at any time. NIA may also choose to buy more shares of BVSN and add to its position at any time. NIA's co-founders have also been referred business in the past from somebody who has filed as a large BVSN shareholder. Past performance is not an indicator of future returns.
In that article, the NIA article simply compares BroadVision to Jive, but that is basically saying nothing. Unlike BroadVision, which has falling revenues, Jive's revenues are growing at 70%+ a year. It's comparing apples an pears.
BroadVision might have an impressive client list, at least according to the NIA. The BroadVision website mentions only a few of these but it just could be that the website is out of date. But even if they did have an impressive client list, this should cause alarm. If they can't grow or make a profit with such good clients, perhaps their products aren't that good. Jive's client list is a lot better, by the way, and so is that of Lithium, another competitor with which the NIA likes to compare BroadVision.
Apart from comparing BroadVision favorably to its competitors (which is entirely unwarranted), the promotion is extremely light on facts or any remote appreciation of the risks. One will also look in vain for any revenue or profit guidance (and considering the track record of the company, there seems to be a good reason for that) or any valuation calculation.
Analysts aren't likely to help either, as the last one gave up in 2005 (a pretty bad sign in itself), which gives the field entirely to touters like NIA.
If one really uses a lot of imagination, one could argue that their shift from perpetual licenses and related maintenance contracts (their present business model) to a cloud based SaaS (software as a service) model might offer the opportunity for somewhat higher margins. However, from the latest 10-Q filing:
BroadVision does not have significant prior experience in operating Cloud hosting. We may be unable to timely provide adequate computing capacity to keep up with business growth and performance requirements. Our hosted operation may fail due to hardware problems, software problems, power problems, network problems, scalability problems, human errors, hacker attacks, disasters, third-party data center problems and other reasons. The failures may cause us to compromise security, lose customer data or identity, endure prolonged downtime, etc., all of which will harm our business and limit our growth. BroadVision does not have significant prior experience in estimating the costs of Cloud hosting. If we underestimate the costs or under-charge customers, we may not have adequate margins to sustain the Cloud hosting operation. Clearvale offers customers to use basic functions for free, a business practice gaining popularity in our industry. If we do not have enough customers upgrading to for-fee premium packages, we may be unable to sustain our Cloud hosting operation economically.
To some extent this is the usual filing blurb, but it nevertheless inspires little confidence. We simply can't see any reason why this company should be valued substantially above cash per share, unless they manage to turn their business around anytime soon. In fact, there is every reason to value them below cash per share, as they're bleeding cash without an end in sight.
And there is nothing indicating that they will be able to pull that off. Once again, the latest 10-Q:
The market for our products is intensely competitive. We expect competition in this market to persist and increase in the future.
The last company interested to take over BroadVision was Vector Capital (in July 2005):
Vector will pay shareholders 84 cents a share in cash, a 36 percent discount from Monday's closing price of $1.32.
Yes, that is indeed a steep discount to the market price.
Fun and games
The NIA wrote this article in December when the stock was at just over $8. Look at the volume increase since. Could the start of the stock promotion have something to do with that volume increase? If not, what else? Basically, there isn't any other explanation available.
They have been trading the stock themselves though:
- On January 12, the NIA had 150,000 shares, 122,000 was their initial position (for which a lock-up expired at February 12). They had added 28,000, for which no lock-up applies (according to the disclaimer to their email that day)
- On January 22, their position had increased to 188,700 (again according to their email), so by then, they had bought 66,700 shares
- On January 26, their position had shrunk to 135,000 shares On March 2, they held 160,100 shares, which they can sell at any moment
You might want to check what the stock price did between January 22 and January 26. From a high of $44.75 on January 24, the price slumped to a close of $22.03 just two days later (and when we're writing this on Monday, there is another $9 plunge in minutes, followed by a Phoenix like rise to close above $50). This is what happens if these people sell even a small part of their holdings. You might want to keep that in mind before you take a long position. The rug can be pulled from underneath you at any moment.
You also might want to check something else. In the article on the NIA website there is a disclaimer underneath, stating their position. It's not clear whether this is their current position or the position they took when writing that article. Here is the thing. In an earlier version of writing this article, that disclaimer said they hold 148,400 shares. We copy/pasted that quote on Friday morning, March 2 literally (see quote above).
However, when adding new info to the article on Sunday morning, March 4, the same disclaimer now says that they hold 172,300 shares. Could Friday's stock price gain be a result of the NIA buying an additional 23,900 shares?
There are several preliminary conclusions:
- There is a discrepancy between their fluctuating trading positions and their bullish articles.
- We think we're can discern the outlines of a strategy. The newsletter drums up the underlying support whilst they trade to profit and reload.
- But in fact, that doesn't really matter all that much, there are several other insiders that probably can't believe their luck and have every incentive to sell at these hugely inflated prices and we won't know until well after the fact (or not at all).
Who is the National Inflation Association?
This is an outfit that tapped into the libertarian crowd. It has produced slick videos (which must have cost a considerable degree to produce) warning about the coming hyperinflation. It's already quite noteworthy (to put it mildly) that they double as stock touters.
According to Peter Schiff (see video links below), the well known fund manager and broker who even has his own YouTube channel, the NIA has used much of the same analysis as he did, but started to denounce him personally to create attention for themselves.
So it's an organization that is tapping into the libertarian crowd (Ron Paul supporters and hyper-inflationistas), gaining trust, attention, and, more importantly, email addresses. Who is behind the NIA? Well, the site is registered to a certain Gerard Adams. This Gerard Adams is a known pennystock promotor and has another website called WallstreetGrand.com where he promotes dozens of pennystocks (note the first one, the National Bank of Greece!). One also might want to be careful with that website, because pretty soon we got the following warning.
However, the real person behind the NIA is stock promotor Jonathan Lebed. He was the 15 year old guy that gained notoriety for using Yahoo (YHOO) as a forum for his pump and dumps and had to settle with the SEC as a consequence. Watch how Peter Schiff is accusing him of the BroadVision pump (and, after a reaction from the NIA, here is a follow up from Schiff).
But more damaging still is the interview Peter Schiff has with the NIA co-founder George Hemminger. In this interview, the latter makes several very damaging claims:
- Lebed is the NIA mastermind
- For a $1000 fee, "premium" NIA subscribers get the early heads up of stock pumping campaigns. Schiff notes that this amounts to one part of NIA subscribers paying for the privilege to scam the non-paying members.
- The people behind NIA (Jonathan Lebed, George Adams) lead a jet-set life style, flying here, there, everywhere, with a particular interest in boxing matches (which is an interesting piece of info, see below)
- Jonathan Lebed told George personally not to invest in their stock picks
Hedge fund connection?
On October 4 of last year, the SEC filed a 5.5% holding (248,771 shares) by Marlin Capital Investments, a hedge fund run by Barry Honig and Michael Brauser. But in fact, that filing mentions the following:
As previously reported on a Schedule 13G which was filed with the Securities and Exchange Commission on September 21, 2011, Marlin Capital acquired beneficial ownership of the shares as part of its investment activities. Marlin Capital acquired 248,771 shares and paid $8.50 per share.
And indeed, here is that previous filing. Now, apart from the NIA, Lebed is also pumping BVSN on his personal website. When did Jonathan Lebed start his BroadVision promotion campaign? Exactly, on September 21, according to his blog:
2:55PM I just posted BVSN as my new stock to watch with a speculative rating of 1, my highest level of confidence!
That could just be a coincidence, albeit quite a noteworthy one. Lebed's personal promotion starts in earnest on the 9th of October, just a couple of days after the second Marlin filing.
According to the filing, "As of October 4, 2011, Marlin Capital sent the Company a letter detailing its desire to acquire the Company either directly or through an acquisition. Marlin Capital's acquisition of the Company is conditioned on the satisfactory completion of due diligence, obtaining all necessary financing commitments, consents and approvals,
waiver of any anti-takeover provisions and statutes, acceptable merger agreement and other customary conditions. There can be no assurance that Marlin Capital will acquire the Company."
However, a subsequent filing shows a much reduce position (150,621 shares or 3.34%) as their take-over bid was refused:
On October 20, 2011, Marlin Capital received a definitive answer from the Company that they had unanimously decided to decline the offer. With this ultimate response Marlin Capital began to reduce its position, which has brought them to their current ownership position of less than 5% of the Company's outstanding Common Stock.
The coming crunch
Here is a list of insiders that have every incentive to sell as they know the shares aren't worth anywhere near what they quote today.
- The CEO, Pehong Chen (who has a 36% stake, 5% direct and another 31% through Honu Holdings)
- The referrer mentioned by Lebed
- The client mentioned by Lebed
- The NIA
- The two hedge funds that bought large stakes recently (Marlin Capital with 5.5% and Palo Alto Investments with 6.3%, but one of these might be the same as the referrer or client mentioned by Lebed's disclaimer)
While Lebed and the NIA claim to be transparent about their holdings, what any of these other people and institutions do is up to them. All of them have rather strong incentives to sell sooner rather than later.
The owners of Marlin Capital are somewhat controversial themselves, having been involved in numerous lawsuits (see here, here, here, here, here and here, for instance).
Palo Alto Capital, which bought on September 30 last year is tied to Micro Cap Partners L.P. (see filing). This is a curious outfit, it pumped Absolute Health & Fitness (OTC:AHFI) unauthorized and received a cease and desist order for that.
More to the point, why would both these two hedge funds take a position in BroadVision in September last year? As we've explained above, there isn't anything to even remotely suggest the business is about to turn around, and the subsequent quarterly figures have emphasized this once again (see the SEC filing).
Is it a coincidence that Lebed started his tout on the exact day Marlin filed? Somewhat unusual for a stock promoter, Lebed argues he is not compensated for his BroadVision campaign (again from his blog):
I have not been compensated for BVSN but the person who told me to look at BVSN is a shareholder of BVSN who has referred me investor relations business in the past and will likely continue to refer me investor relations business in the future. Another firm that is owned by a client of mine who refers investor relations business to me owns 139,950
shares of BVSN that it purchased in the open market. This is a potential conflict of interest. BVSN's share price could decline when this firm decides to sell their BVSN shares.
So he's just doing this referrer (and/or the client) a favor, but both are shareholders. What's more, the NIA site has a noteworthy item on the bottom of the BVSN article:
NIA's co-founders have also been referred business in the past from somebody who has filed as a large BVSN shareholder.
This basically reduces the referrer to either Marlin or Palo Alto Investors. Both took large positions in the company when absolutely nothing in the business development seems to warrant such a position, and did so just before (or on the exact day) Lebed and the NIA started their promotion campaign for the stock.
Five months later, the case for taking such a large position hasn't changed at all, the quarterly figures out on Jan 26 showed that the decline of the last 10 years in sales continues.
In the interview with George Hemminger above you can listen to how Lebed tours the country with clients to see boxing matches. Could these clients b be Barry Honig, a boxing promotor in his spare time, and used to be a Golden Gloves boxer himself?
The curious thing is that neither of these have filed (they have up to ten days after selling to file). They can't possibly have expected this kind of bonanza, unless they are in on the promotion.
What we do know is this. There is an increasing number of investors sitting on large paper profits. The number of email addresses that the NIA can exploit must be dwindling, and before that happens, there are likely to be a few big holders wanting to take advantage of this bonanza.
Sooner rather than later, the rug will be pulled from underneath the gullible or daring investors that bought at these levels, and when that happens, the decline will be swift.
Disclosure: I have no positions in any stocks mentioned, but may initiate a short position in BVSN over the next 72 hours.


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Green River's International Student Advising Team: From left, front: Breanna Olason, Danice Warnke, Robyn Carter. Back: Kristen Spenella, Mim Phillips, Ethan DeCoster, Sandra Spadoni, and Henry Tsau. Not pictured: Melanie Kaneshiro.
New director of international advising hired
Sandra Spadoni was hired as our new Director of Int'l Advising. Her first day was May 5th.
Sandra went to Georgetown University's School of Foreign Service for her undergraduate education and studied abroad in Russia. She went on to get a Masters in TESOL at American University. Sandra lived and worked in Zambia doing community education and has traveled widely. She is currently a student in a doctoral program in higher education leadership at the University of Washington.
Sandra joined us from UW Tacoma where she served as Assistant Director of International Student Services since 2011. Previously Sandra was at University of Chicago for four years serving as the Assistant Director in the Office of Int'l Affairs and was also a Resident Head in Undergraduate Housing. Sandra has combined experience in all aspects of student service and enrollment: outreach/recruitment, admissions, orientation, housing, registration, advising, ESL instruction, immigration, programming, event planning, and activities.
Sandra will be meeting all new students at orientation.
Foundation for Success for all new students starting fall 2014
The Foundation for Success program was initially designed for first quarter 16-17 year olds to give younger students mentoring and guidance to get a good start. We are expanding the program, and beginning fall 2014 all new first quarter students will be required to take Foundation for Success. The cost is $100. For more information go to: Foundation for Success Website.
Admission and scholarships: one email address
To make life easier for you, we have created one email that you can use to send all admission and scholarship materials or questions. We have dedicated staff available who will be checking the email regularly. To ensure that we get your admission and scholarship applications processed as quickly as possible, please use the following email address: email@example.com. We will direct your email to the appropriate staff member who will be happy to help you.
Apply early for Campus Corner Apartments for fall quarter
If Campus Corner Apartments is the first choice for housing for your fall quarter applicants, encourage them to apply for housing as soon as possible. Placement priority is based on date of received completed housing application, including the $300 placement fee. We typically have a waiting list for fall quarter. Apply early!


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George Foster
George is a strategic thinker, creative motivator, champion of integrated design, new business pitcher and client facing.
He says:
I have always believed that a great creative idea is still the most important thing any agency needs to provide, plus an intelligent approach that answers the client's needs. So I have become accustomed to taking complicated briefs, asking questions of the client, and distilling the answers down into a cohesive and compelling response that is pertinent and campaignable.
I still love that process, being part of the inspiration, helping to nurture that and seeing a team come together.
My beginnings were in advertising, but I have more recently moved onto the design side now the disciplines have become more integrated.
Social media, PPC and SEO, multimedia, interactivity, CRM and CMS – one cannot know everything about them – but you need to know a reasonable bit. And be able to brief the right people to do the final job.
Advertising and design have changed hugely, but I still get a real kick out of helping to nurture that great idea, presenting to the client, and seeing it all come to fruition.
See also:


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This is the only medieval church in Cheltenham and has glorious stained glass windows, which are shown on a separate page, here.
Evidence of Christian worship on the site dates back to the 8th Century, however the earliest part of the existing building are Norman, namely the west wall of the nave and the piers supporting the tower arches.
The building has been altered several times, beginning in the 13th century when the north and south aisles were added, the chancel extended and the upper part of the tower modified and spire added. In the 1870s the church was in a poor condition and a major renovation took place. The crypt was filled in, the 18th century galleries removed, oak pews installed and a sacristy and south porch added.
Above the chancel arch are painted the Ten Commandments. On the day of my visit the chancel was screened off while building works were in progress.
The baptistry is in what what was once the north porch. It has a room above it reached by a spiral staircase. From 1729 to 1847 this room housed the Old Cheltenham Charity or Blue Coat School originally established in the High Street in 1683 after George Townsend left £4 annually for "teaching poor children to read and write". The school moved from the church to Devonshire Street.
The font is a Victorian reproduction and was installed in 1890 when the Baptistry was created and the gallery above opened up (formerly the school room).
The tower contains 12 bells and the octagonal spire rises 167 feet above the floor of the church.
The friends of the church are doing a sterling job and have their own website - www.stmaryscheltfriends.org.uk. The historical notes given here come from their leaflet available in the church.
Click here to view the stained glass windows.
This town centre parish is now combined with St Matthew's Church, and according to the notice board St Matthew's is the main base for activities, although St Mary's is still also used for services.
Digital photographs
Visitors to this album since June 2003
If you would like to purchase any of the images featured here or commission others of this church, please click here.
If you found this page using a search engine or other link, please use the icons below to link to one of the main sections of the Roughwood web site:
Please do not reproduce or store any of the pictures on this site without asking first.


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Policies and Procedures
Disclaimer: The information below in various formats is provided for information purposes only. Site patrons are free to use this information as they desire. However, please be advised that the provision or listing of the information does not infer legal and tax compliance, or otherwise of this information. Good policies, procedures, forms, and guidelines should be reviewed by the appropriate experts before they are placed into use.
Policy listings on other websites:
Searching: Use CTRL F to find keywords below:
403(b) Guidebook for Churches - Guidestone Financial
Auto Mileage Reimbursement Calc Form
Bank Accounts – Auxiliary Accounts Policy
Benevolence Policy with Release of Liability
Benevolence – Standard Guidelines
Benevolence - Travelers Policy
Blog Terms & Conditions (Frank Sommerville)
Bookstore / Coffee Shop Policies & Procedures
Bus Usage Policies and Procedures
Child / Youth Protection Policies (CRUMC)
Child / Youth Protection Policies Addendums (CRUMC)
Children's Policy Manual (Watermark Community Church - Dallas)
Confidentiality Agreement
for Employee
Conflict of Interest Policy & Disclosure Form
Contribution Guidelines for Short Term Mission Trips
Creative / Intellectual Rights Policy 1
Creative and Intellectual Rights Policy
Creative and Intellectual Rights Policy 2
Disaster / Emergency Preparedness
Disclaimer Statement
Disclosure of Supplemental Income
Document Retention Policy (Frank Sommerville)
Document Retention Policy with Chart
Emergency Preparedness Plan (also see Disaster / Emergency Preparedness)
Endowment Policy (Heritage UMC)
Facilities Policies (Immanuel Pres., Los Angeles)
Facilities - Preventative Maintenance Program - Best Practices
Financial Policies (by Jim Bramer - bcidot.org)
Financial Policy Handbook and Forms
Frieze Resource Library (Frieze Consulting)
Gifts for Staff Members and Volunteers Policy
Hiring Practices Policy Template
Hosting Outside Events in Facility
Housekeeping Contract Request for Proposal
âInformation Technologies Policies and Best Practicesâ
Information Systems Policy (FUMC,Tulsa, OK)
Intellectual Properties and Creative Rights
Ministry Business Services Policies & Procedures for Purchase
Political Activity Policy (Frank Sommerville)
Prototype for Congregations (Lutheran Church)
Sex Offender Attendance Policy
Short Term Missions Trip Policy 1
Short Term Missions Trip Policy 2
Short Term Missions Trip Policy 3
Short Term Missions Forms and Procedures 2
Short Term Missions Forms and Procedures 3
Short Term Missions Forms and Procedures 4
Social Media Policy for Church Staff
Social Networking - Sommerville
Wedding Guide (policies, forms, etc) MS Publisher format
XPastor misc Policies & Procedures
© 2003-2010 ChurchAminPro.com


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Dante's Purse by Kirsten Kapur
Welcome! You are browsing as a guestWould you like to see 78 projects made from this pattern and much more? create a free account What am I missing?
Dante's Purse
This pattern is available as a free Ravelry download
This pattern works with a variety of weights, but I recommend Aran or heavier so that you create a nice sturdy base.
For more information, see: http://www.kirstenkapurdesigns.com/new-freebie-dan/


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The Jonathan Bower of the popular 1980s sitcom is engaged to boyfriend Wil Tabares and plans 'to move to California once Prop 8 is overturned.'
Danny Pintauro is engaged to boyfriend Wil Tabares. The former child star told Us Weekly that his boyfriend asked him to marry him during the celebration of their first anniversary at Palm Springs, California.
Pintauro told the site that Tabares popped the question while they were on a romantic dinner on Wednesday, April 3. "He made a video, and in the video held up the box [with the ring]," said the 37-year-old actor. "I looked up and he had it in his hand!"
Tabares quickly took to his Facebook page to share the happy news and a picture of his engagement ring along with a caption which read, "He said yes!"
The couple is currently living in Los Angeles, where Pintauro works as a restaurant manager and Tabares is an employee of a casino. The couple is optimistic about their romantic relationship even though the state doesn't allow same-sex marriage.
"We live in a state, Nevada, that does not yet allow same-sex marriage. Our plan is to move to California once Prop 8 is overturned," Pintauro referred to the legislation banning same-sex marriage in the state. "Wil is the best, and I couldn't be happier to spend the rest of our lives together!" he added.


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Occidental College
Student Handbook
Alcohol and Other Drugs Policy
Students are responsible for knowing the following:
Occidental College's Alcohol and Other Drugs Policy complies with the requirements set forth by the Drug-Free Schools and Community Act Amendments of 1989. This act requires the College to certify that it is in compliance with the regulations and that it has implemented a program to prevent the unlawful possession, use or distribution of illicit drugs and alcohol by all students and employees both on school premises and as part of any of its activities.
The Alcohol and Other Drugs Policy describes the standards of conduct regarding the possession, use or distribution of alcohol, controlled substances and marijuana; sanctions enforced under College policy, and local, state, and federal law; and information regarding health risks and treatment services for substance abuse. This policy was revised during the academic year of 2014-2015 and becomes effective on August 1, 2015.
I. Philosophy
The health and well-being of every Occidental student is the responsibility of the entire Occidental community. Occidental College is committed to providing a safe campus environment that encourages intellectual, cultural and social learning and personal development. Each member must make informed decisions regarding personal use of alcohol and other drugs that reflect a respect for themselves, others and the community at large.
The Alcohol and Other Drugs Policy applies to all students and student groups associated with the Occidental College community (including applicants while visiting campus). Members of the Occidental community are considered adults and are thus expected to abide by California State Law regarding the possession, consumption, and distribution of drugs and alcohol. Relevant sections of these statutes are summarized below.
Occidental College takes an educational approach when working with students involved in alcohol and other drug policy violations. Every effort is made to connect students with appropriate resources on campus including, but not limited to, counseling, medical, and mental health services. A list of campus resources and possible sanctions for violations of this policy is outlined below.
The College's Alcohol and Other Drug Committee reviews this policy every two years.
II. Alcohol Policy
Section A: Occidental Expectations of Behavior
Occidental respects the rights of community members to exercise their legal options regarding alcohol consumption and recognizes that responsible alcohol use can be compatible with healthy adult behavior and successful social events. As such, Occidental College has identified expectations of behavior that support the safe and legal consumption of alcohol. Any student who consumes alcohol remains responsible for any violation of the College's Code of Student Conduct. The Dean of Students Office is responsible for interpreting and implementing this Policy.
- Under-Age Students: Students under the age of 21 may not possess or consume alcohol. A state of intoxication implies consumption. Possession of open containers, including empty bottles used as decoration, by anyone under the age of 21 is prohibited.
- Behavior: Students in lawful possession of alcohol shall not disrupt the community in the residence halls, on campus, or in the surrounding environment. Students who use alcohol shall do so in a way that does not compromise, or infringe on, the rights and safety of others.
- Dry Residence Halls: Alcohol shall not be possessed or consumed, regardless of a student's age, at any time in the following buildings - Bell Young Hall, Pauley Hall, Stewart-Cleland (Stewie) Hall, Braun Hall, and Chilcott Hall.
- Possession or Presence of Alcohol: Alcohol is not permitted in any common area of the residence halls. Students of age who are not living in dry residence halls may possess and consume alcohol in their residence hall room. Open containers of alcohol are prohibited on campus grounds unless approved by the College for special events.
- Irresponsible Use of Alcohol: Organized drinking games or items used for the purpose of quick or mass consumption of alcohol are prohibited. Public intoxication and events where there is pressure or an expectation to consume excessive amounts of alcohol are prohibited. The College strongly discourages "pre-gaming" and "doing shots" of hard alcohol because these behaviors maximize the dangers associated with intoxication and the risk of alcohol poisoning. "Pre-gaming" is the consumption of large amounts of alcohol in a short period of time prior to attending a social event. Virtually all of the alcohol poisoning cases on campus involve hard alcohol consumption and usually occur from "pre-gaming."
- Providing of Alcohol: Providing alcohol to underage individuals is prohibited. Hosts are responsible for their guests' alcohol consumption and the behavior of their guests. Guests include individuals invited or signed in for by the student or the passive acceptance of an individual's known presence. Guests also include individuals who are not personally invited, but who attend in response to a general invitation.
- Serving Alcohol: Any student-sponsored event where alcohol is served must follow Office of Student Life protocol (see Campus Events Coordinated by Students Policy). Serving alcohol to intoxicated persons or underage students is prohibited. Bulk containers, kegs, or any alcohol dispensing-device requiring a tap are not permitted on campus with the exception of a registered event with a licensed bartender present.
- Sale of Alcoholic Beverages: The unlicensed sale of alcoholic beverages is prohibited. This includes the selling of tickets to events where alcoholic beverages are provided, charging admission or accepting donations for any activity involving alcohol. Also, a student organization may not use College funds to purchase or provide alcohol at its social events, either on or off campus.
- Driving under the influence: Operating a vehicle under the influence of alcohol is prohibited. "Vehicle" is defined as anything used for transporting people or goods, especially on land, such as a car, truck, bicycle or cart.
- Prospective Students: The entire Occidental College community is responsible for the well-being of prospective students visiting the campus. Giving or offering alcohol to a prospective student is strictly prohibited. Information gathered about the use of alcohol by prospective students during their visit will be shared with Admissions to add to the file of the prospective student. This could hinder the ability of the prospective student to be admitted to the College.
- Off-Campus: Students associated with Occidental College who violate any College policy, city laws or ordinances, or state or federal laws off-campus are subject to disciplinary action from the College and arrest by law enforcement.
Section B: California State Alcoholic Beverage Laws and Penalties
All colleges must abide by federal, state and local laws and all campus policies incorporate such laws into college life. The laws of the State of California specify that people under the age of 21 may not consume, possess or distribute alcohol. In addition, it is unlawful for any person to sell, furnish or give any alcoholic beverage to anyone under the age of 21. Minors who use false identification in order to obtain alcoholic beverages are guilty of a misdemeanor. In compliance with state and local laws, Occidental prohibits the illegal use of alcohol on College property and as part of any College-sponsored activity (on- or off-campus).
Occidental does not shield its students from the law or from the consequences of their own behavior. Violations of federal, state or local law, even within regularly scheduled College facilities, occur at the risk of the individuals and are not the responsibility of the College. The College shall not serve as a haven from law enforcement agencies.
California laws regarding the use of alcoholic beverages are highlighted here. The laws are abbreviated for general use and may not cover all situations. It is the responsibility of the server or consumer of alcoholic beverages to be aware of, and abide by, all federal, state and local laws and ordinances.
Examples of common offenses and penalties include:
- Open Container Age 21: Possession of an open container of alcohol on public streets, sidewalks, highways, parking lots or alleys can result in a $108 fine (California Business And Professions Code section 25620 (a)).
- Minor in Possession (MIP): Any person under the age of 21 years who has any alcoholic beverage in their possession on any street or highway or in any public place or in any place open to the public is guilty of a misdemeanor and shall be punished by a fine of $250 or the person shall be required to perform not less than 24 hours or more than 32 hours of community service hours (California Business and Professions Code section 25662 (a)).
- Driving Under the Influence (DUI): Driving under the influence with a blood alcohol content (BAC) level of .08 or higher or driving under the influence of a drug or combination of both is a misdemeanor with possible fines of upwards of $7,000, county prison sentence, and driver's license suspension (California Vehicle Code sections 23152 (a) & (b)).
- Driving Under the Influence (DUI) While Under Age 21: Drivers under 21 with a BAC of .01 or higher can have their vehicles towed and driver's license suspended, and be sentenced to not less than 96 hours in jail nor more than six months, and completion of an alcohol program and three years probation (California Vehicle Code sections 23136 and 23140).
- Cycling Under the influence (CUI): Bicycling under the influence (.08 BAC or higher) can result in jail sentencing and a base fine of $250. Riders under 21 may also lose their driver's license for one year (California Vehicle Code section 21200.5).
- Providing False Identification: Attempting to purchase alcohol using false identification can result in jail time and a minimum fine of $200 (California Business and Professions Code section 25661).
- Under 21 Purchase of Alcohol: Any person under the age of 21 years who purchases any alcoholic beverage or any person under the age of 21 years who consumes any alcoholic beverage in any on-sale premises (e.g., bar or licensed club or restaurant) is guilty of a misdemeanor (California Business and Professions Code section 25658(b)).
- Selling Alcohol without a License: is a misdemeanor (California Business and Professions Code section 23301).
- Drunk in Public (DIP): Public intoxication is considered disorderly conduct, which is a misdemeanor offense and can result in jail time and a fine (California Penal Code section 647(f)).
- Furnishing Alcohol to a Person Under 21 or an Intoxicated Person: Selling or furnishing alcohol to a person under 21 or to an obviously intoxicated person is a misdemeanor (California Business and Professions Code section 25658).
III. Drug Policy
Students have the right to live and work in an environment free from the effects of drugs and drug abuse. Occidental College students are expected to comply with federal, state, and local laws, to follow the requirements of the College's drug policy and to respect the right to a drug free environment shared by all members of the campus community. Federal and state laws subject persons involved in the use, sale, or distribution of illegal drugs* to criminal action, including arrest, fine, and imprisonment. Occidental fully supports these laws by prohibiting the possession, use, sale, and/or distribution of illegal drugs on campus. Any violation of this Policy shall result in disciplinary action.
* "Illegal Drugs" refers to "Controlled Substances" as defined in Schedules I through V, section 22 of the Controlled Substances Act (21 U.S.C. Section 812) and also found in the Health and Safety Code Section 11054-11058.
Section A: General Guidelines
- As a general rule, law enforcement agencies permit an educational institution to address the illegal use of drugs by students in accordance with its disciplinary policies and procedures. However, the College cannot deny the Los Angeles Police Department or federal or state narcotics officers the right of access to the campus or entry to College buildings for the purpose of investigating the illegal use or sale of drugs.
- Students who use illegal drugs or drug paraphernalia shall be subject to disciplinary action.
- In addition, the College reserves the right to request outside assistance in connection with the possession, use, sale or distribution of illegal drugs and drug paraphernalia.
Section B: Occidental Expectations of Behavior
- Substance Use: The use, abuse, sale, manufacturing, possession and/or distribution of illegal drugs or drug paraphernalia is prohibited. A student is deemed to have distributed illegal drugs or drug paraphernalia if they sell, exchange, share, jointly purchase, or otherwise make available any illegal drug or drug paraphernalia to another.
- Pharmaceuticals and other Substances: The abuse, sale, and/or distribution of over-the-counter or prescription drugs (pharmaceuticals), or other substances is prohibited. This includes the use of the pharmaceutical/substance for anything aside from its intended purpose, by someone other than the intended recipient, and in a dosage other than what is prescribed. Any student who sells, provides, shares or otherwise makes available a pharmaceutical/substance to another person may be found responsible for violating the Occidental drug policy. A student is deemed to have distributed a pharmaceutical or substance if they sell, exchange, share, jointly purchase, or otherwise make available any pharmaceutical or substance to another.
- In presence of illegal drugs: Students who are in the presence of such activities/items as outlined above shall also be subject to disciplinary action.
- Medical marijuana: The College does not allow any exceptions to this Policy including the possession or use of marijuana for medical purposes, even if such possession or use otherwise meets the qualifications of the California Compassionate Use Act. Occidental does not recognize documented compassionate use on campus after a student's use and/or possession is discovered. Students who believe they may be adversely affected by this Policy should contact the Dean of Students Office for more information.
- Prospective Students: The entire Occidental College community is responsible for the well-being of prospective students visiting the campus. Giving or offering illegal drugs, pharmaceuticals or other substances to a prospective student is strictly prohibited. Information gathered about the use of illegal drugs, pharmaceuticals, or other substances by prospective students during their visit will be shared with Admissions to add to the file of the prospective student. This could hinder the ability of the prospective student to be admitted to the College.
Section C: Drug Offenses and Penalties
The Federal Controlled Substances Act provides penalties of up to 15 years imprisonment and fines up to $25,000 for unlawful distribution or possession with intent to distribute illegal drugs. For the unlawful possession of a illegal drugs, a person is subject to up to one year of imprisonment and fines up to $5,000. Any person who unlawfully distributes an illegal drug to a person under twenty-one years of age may be punished by up to twice the term of imprisonment and fined otherwise authorized by law.
The unlawful use, possession, distribution, manufacturing, or dispensing of illegal drugs is prohibited by Occidental College. Criminal Sanctions under California Law for the unlawful possession or distribution of illegal drugs and alcohol include the following:
- Possession of Controlled Substances: Imprisonment in State prison for possession of specified controlled substances, including opium derivatives and cocaine (Health and Safety Code Section 11350).
- Selling of Controlled Substances: Imprisonment in State prison for two to four years for possession or sale of specified controlled substances including opium derivatives and cocaine (Health and Safety Code Section 11351).
- Possession of Marijuana: A person in possession of less than 25.8 grams of marijuana is subject to a misdemeanor and shall be fined not more than $100 (Health and Safety Code Section 11357 (b)); Possession of more than 25.8 grams shall be punished by imprisonment in county jail and/or a fine of not more than $500, or imprisonment in State prison for possession of concentrated cannabis (Health and Safety Code Section 11357 (a)).
- Possession with Intent to Sell Marijuana: shall be punished by imprisonment in the State prison (Health and Safety Code Section 11359).
- Distribution of Prescription Drugs: it is unlawful for any person who is not a pharmacist to manufacture, compound, furnish, sell, or dispense any dangerous drug or dangerous device, or to dispense or compound any prescription (Business and Professions Code Section 4051 (a)).
- Under the Influence of Controlled Substance: No person shall use or be under the influence of any controlled substance. Any person convicted of violating this is guilty of a misdemeanor and shall be sentenced to serve a term of not less than 90 days or more than one year in a county jail. (Health and Safety Code Section 11550 (a)).
IV. Sanctions
Students found in violation of this Policy shall be referred to the Office of Student Conduct, where they shall meet with a conduct officer to assess responsibility and discuss possible sanctions in accordance with the Code of Student Conduct. A fundamental principle guiding the imposition of sanctions is founded on the College's mission to balance upholding community standards with the educational development of its students in addressing individual behavior.
Students found responsible for violating this policy face the full range of sanctions (including expulsion) outlined in the Student Handbook. All sanctions are cumulative, and a student's past conduct history is taken into consideration when issuing a sanction. Sanctions may also be enhanced based on the severity of the behavior and impact on the College community. More than one sanction may be imposed for any single violation.
V. Associated Health Risks and Campus Resources
The risks associated with the use of illegal drugs, pharmaceuticals and other substances and the abuse of alcohol are numerous and include physical and mental impairment, emotional and psychological deterioration, and potentially devastating effects on family and friends. There are obvious risks, such as suffering a hangover, being charged with driving under the influence or while intoxicated, and sustaining or causing personal injury. There are a number of less obvious risks associated with alcohol and other drug abuse that students might not realize, including:
- Poor academic and/or job performance
- Initiating nonconsensual sexual activity, which could lead to expulsion and criminal liability
- Being subjected to nonconsensual sexual activity, which could lead to psychological and physical trauma including sexually transmitted infections
- Jeopardizing future career prospects (e.g., admission to law school or government employment)
In addition, alcohol and other drug abuse puts the user at considerable health risk, which can include, nausea, vomiting, cancer, liver damage, elevated blood pressure, psychotic episodes, hallucinations and, in some cases, death. In addition to the risk to the abuser of illicit drugs and alcohol are the risks to other students and the entire Occidental College community. A chart on the uses and effects of controlled substances can be viewed here. The chart is taken from the United States Department of Justice, Drug Enforcement Administration, Drugs of Abuse (1997 edition).
Occidental College encourages students to approach any Dean, Resident Advisor, or faculty member with whom they feel comfortable if they suspect that they or one of their fellow students has an alcohol or drug abuse problem. Counselors at Emmons Student Wellness Center can provide consultation and referral to students with problems or concerns related to alcohol and drug use, and have procedures to assure confidentiality.
VI. Medical Amnesty Policy
The welfare of students is of the highest importance to Occidental College. Students that are intoxicated at a level requiring medical attention, and/or the friends of such students, should always seek appropriate assistance from Campus Safety, Residential Education staff, or other local emergency services. The medical amnesty clause is included to promote student safety and to encourage students and third parties to promptly notify the appropriate staff or local emergency services in the event of such need.
Under this policy, when a student experiences a physical and/or psychological crisis while under the influence of alcohol or other drugs and the student or one or more friends of the student proactively requests medical assistance, the College will mitigate the resulting disciplinary actions for both the student in crisis and the student(s) calling for help. The students will be referred to an educational or developmental program so that they learn and grow from the situation; and, no or reduced Code of Student Conduct sanctions may be imposed. Students that do not complete the educational or developmental program recommendations may be faced with disciplinary action consistent with College policy.
While the College reserves the right to refuse a grant of amnesty under certain extenuating circumstances, a student or student(s) calling for assistance on behalf of an intoxicated student will generally be granted amnesty. Consistent with putting the student's health and safety first, the College will approach serious or repeated incidents with a higher degree of concern and a high level of intervention.
This policy does not protect students who are found to be in violation of other Occidental College policies from disciplinary action. Likewise, this policy does not prevent action by police or other law enforcement personnel. The Amnesty Policy does not grant amnesty to possession with intent to distribute drugs.
Application to Student Organizations
In circumstances where an organization is found to be hosting an event where medical assistance is required or sought for a member or guest, the organization (depending upon the circumstances) may be held responsible for violations of the Alcohol and Other Drugs Policy through the conduct process. However, the organization's willingness to seek medical assistance for a member or guest will be viewed as a mitigating factor in determining a sanction for any violations of the Alcohol and Other Drugs Policy. For more information on student groups and organizations, please review this section of the Student Code of Conduct.
VII. Parental Notification
The Family Educational Rights and Privacy Act (FERPA) permits Occidental College administrators to notify the parents or guardians of students who violate campus alcohol and drug policies. Parents or guardians may also be contacted to inform them of the events surrounding their student's emergency medical transport for treatment or evaluation due to presumed consumption of alcohol and/or controlled substances. Refer to the "Family Educational Rights and Privacy Act (FERPA)" section of the Handbook for more information on this policy.
Last updated June 29, 2015
- Phone: (323) 259-2969


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WATCH - Woman Gets Caught Shoplifting. You Won't Believe What This Officer Did to Her!
Jessica Robles, a Miami mother of three, had no food at home or money to buy it, and her kids were getting hungry. What she did next was what any other desperate parent would have done if there was no money around and no prospects of getting it at all. She shoplifted at a local supermarket. As expected, she got caught. The twist to this story, though, is that the officer that had to deal with her gave her a misdemeanor citation and then she did something completely unexpected.
Check this news report...
WSVN-TV - 7NEWS Miam Ft. Lauderdale News, Weather, Deco
Yes; that's right; she bought Jessica $100 in groceries!
But Jessica's good news didn't end there... After people learned about this, the community raised $700 for her to buy more groceries and keep the rest.
And that's not all: John Challenor of phonedoctor.com called her for an interview and offered her a job as a customer service rep.
If only we could do this with everyone going through tough times...
Is your faith in humanity restored? SHARE if the answer is YES!


text:
Jeff Baum
Jeff Baum is in his second year as the the E&E Sustainability Analyst! The major component of his job is running the Brown Climate Action Forum (BCAF) - a group of Brown students dedicated to greening Brown though sustainable infrastructure projects. Past projects have included retrofits to low-flow sink faucets, installing idling technologies to vending machines that were previously left on for 24 hours, installing hand dryers in high-traffic bathrooms to reduce paper towel usage, and - most recently - getting recycling on Thayer Street! At this point, the two main items on the agenda for this year will be bringing an effective bike share program to campus and creating an efficient data management system for the purchasing department to deal with surplus office furniture and supplies. Jeff is a junior concentrating in Geology-Biology, and in addition to working for Facilities, sings a cappella and tries his hand at stand-up comedy every once in awhile (if you want to hear one of his legendary jokes, then come to a Sunday night BCAF Meeting!)


text:
> What I want is to be able to auth to a radius server when a request
> comes to the f/w from the WAN interface on port 80, if the
> auth succeeds
> then they get allowed through the rule base to a web server running on
> the LAN interface ....
This sounds similar to Netscreen's WebAuth feature.
With a Netscreen, you can use a HTTPS login to open particular rules for
the user that logged in. The rules are dynamic and are only open to the
originating IP of the login (NAT on the source end can be an issue.)
I think it would be a nice feature also, but I don't think it really
belongs in m0n0wall. pfSense would be a better candidate for this


text:
Market Outlook
ERS conducts a variety of market outlook activities on the wheat industry. Details on major changes and events in domestic and world wheat markets are published monthly in the Wheat Outlook. The Wheat Yearbook provides a recap of the previous market year.
ERS—in cooperation with the World Agricultural Outlook Board, the Agricultural Marketing Service, the Farm Service Agency, and the Foreign Agricultural Service—develops USDA's monthly World Agricultural Supply and Demand Estimates (WASDE). WASDE provides a complete breakdown of the domestic and global supply and utilization situation for wheat.
Long-term supply and use projections for wheat are available through the USDA's Agricultural Baseline Projections.


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provides free access to downloadable professional documents
and templates, free legal documents and kits as well
as free business and personal document templates. Free-Documents.com
makes finding the documents you need fast, easy and
hassle free.
Download Your Free
Landlord Tenant Forms
a background check service to see if your prospective
tenants have ever been evicted in court, have filed
bankruptcy or have and repossessions or foreclosures.
You can also obtain their credit scores and more using
one of these types of online services. You may do
this by having the prospective tenants fill out a
application form.
will also want to verify the prospective tenants employment
by calling their employer. Most rent to own appliance
and furniture companies verify a prospective clients
employment in this manner. You will however most likely
only get to obtain the prospective tenants length
of employment with the company. You will also want
to verify the prospective tenants rental history if
applicable. This allows the landlord to view late
or on time payment histories.
sure your rental or investment property is covered
by some type of home owners insurance policy. Make
sure that you can obtain coverage for flooding and
water damage or acts of nature if you live in an area
known to have floods, heavy rain events, earthquakes,
hurricanes, tornadoes, wildfires, etc.
landlord can save money on repairs and upgrades to
new and existing rental property by salvaging as many
things as possible from a newly vacant property to
a newly purchased investment property.
thing you as a landlord might try to do is save the
ceiling fans from newly vacant rentals or newly purchased
investment properties.
can clean the blades and fan motor housings to make
them look new again. This of course would require
that the landlord be a do it yourself type person,
but you can also contract out this service and others
like it for low rates. Most home cleaning companies
will thoroughly clean the ceiling fans making them
look new in appearance again.
you allow pets on or in your rental properties you
should always charge the tenant a pet deposit. We
recommend five hundred dollars per animal.
a small animal inside the property could damage carpeting
and other flooring and structural items inside. They
can also damage air conditioning units and other exposed
piping, wiring and woodwork exposed outside. The pet
deposit would cover most things a pet could destroy
during its stay.
in mind that dogs that remain in a contained area
such as a back yard will create trails over time.
They will continue to run along the same path time
after time and create a worn down area in the grass.
It is possible for them to kill the grass in this
area as well.
a landlord it is ideal for a tenant to pay on time
each month as determined in the lease
agreement. If a tenant is late in paying his or
her payment the landlord may charge late fees and
court fees if the tenant is evicted. We recommend
a landlord not allow any tenant to become more than
two weeks or ten days late in past due rent. If the
landlord allows this to happen he or she will most
likely need to evict the current tenants. This will
cost you court fees and down time on an investment
property. Your ideal scenario in investment property
is to have a minimal down time for any given property.
If you as a landlord are forced to have to evict a
tenant you will have to first give the tenants a notice
to vacate the property or eviction notice. Then
you will have to wait for the time period outlined
in the notice to vacate. After the notice to pay or
vacate expires you will have to file a lawsuit in
your local court. This is usually done in the municipal
court system. Then you will have to wait for the court
to give you permission to enter your property and
force the tenants to move. A police office will often
accompany you on your initial visit to the property
if the eviction is a forced evections.
your rental signs in the front yard of the property
and advertise in your local newspaper classifieds
under the rental property sections. You can do this
if you have a new property or a property that is currently
undergoing an eviction.
you have a legal question you can ask an on call attorney
free legal questions 24 hours a day 7 days a week.
Just click on our Ask
A Lawyer link from the top menu. You can also
search for investment properties and home owners or
renters insurance by using our foreclosure listings
service links makes finding investment property easy
for new and experienced landlords alike
first thing a new tenant seeking to posses a residential
rental property is to find out is you are
being scammed or not. Believe it or not this is a
common practice that scammer's use while trying to
swindle you out of your money. You can prevent this
type of thing from happening to you by not providing
the potential landlord with a completed rental
application form just yet. Find out if your landlord
is truly the owner of the property you are interested
in. You can search for the owner of a properties name
by searching your local county clerks website to see
if your new landlord actually owns the property you
are interested in or not. It will also list other
properties owned by that person or company. If you
do not do your research you could become a victim
of a scam.
will also want to see and in some cases may be required
to obtain
a renters insurance policy. Renters insurance
policies are generally inexpensive and only cover
the things that you own like your furniture, televisions,
computers, etc from theft or damage if something happens
to the property. The homeowners insurance the landlord
carries on the property is only for the structure
of the property and not its contents.
a video surveillance system that watches the inside
and outside of your property. This will cover
you in the case of creepy landlords that invade your
privacy without your knowledge to inspect the property
while you are living there without your knowledge.
This is illegal and the landlord could face fines
as well as jail time for doing things like this. If
you suspect your landlord of such behaviors you should
invest in a camera set. best Buy sells wireless camera
sets for around three hundred dollars. It is also
a good idea to have this just in case you want to
keep an eye on your property while you are at work,
play or away in general. Most camera systems come
with software that will allow you to monitor your
home from your smart phone or mobile device.
the school districts in the neighborhood
you are planning on moving in to. Not all school districts
are the same. You want to make sure you are going
to be able to send your child to a good public school
if you do not want to or have to send them to a private
your landlord in the form of a cashiers check
issued by your bank. This payment option ensures that
your payment is FDIC insured as well as not exposing
your personal banking account information over to
your landlord. He or she might not have any intentions
of using the information themselves but you do not
know the computer browsing habits of your landlord
and you may become a victim of identity theft from
your landlord immediately if anything covered
in the lease that is the responsibility of the landlord
to fix or replace breaks or becomes damaged in any
way. If you wait to tell the landlord of things like
a leaking roof the property may become more damaged
over time by the lack of you informing the landlord
of the leak and you may be legally responsible for
the damages to the property that exceed the original
cost of repairs or replacement if the landlord had
been notified sooner. Make sure to keep a copy of
your tenant
move in - out property condition checklist. This
is a document that you should receive from your landlord
when you move in to the property. It should outline
the condition of such things like light fixtures,
windows, doors, sheet rock, drywall and other things
that are in good working condition or not in good
working condition at the time you take possession
of the rental property.
not to rent your home for very long. Save
up money every month to put a down payment on your
own home. After al, that is most likely the goal of
many American couples. Owning is better than renting
in many ways. You can decide later to move after you
have equity built up in the property and move to a
new property and rent your old property out. This
is how most landlords get started flipping houses.
If you do it the correct way it could pay off for
you in your future.
sure that if you as a tenant are going to be living
in the rental property for more than the terms of
the lease agreement that you obtain a new
lease agreement from your landlord as soon as possible.
Without a written lease in most cases the lease agreement
expires and the tenant become "month to month"
tenants and the landlord can make you move if he chooses
to do so. This may catch some people off guard but
it is a fact. If you do not have a lease agreement
with your landlord you may be forced to find another
place to live if the landlord has other plans for
your property. In most cases a landlord is required
to give you a thirty day notice that he plans to sell
the property you are living in. In some cases the
landlord may give the current tenants the option to
purchase the property.
rental agreement is a contract, usually written, between
the owner of a property and a renter who desires to
have temporary possession of the property. As a minimum,
the agreement identifies the parties, the property,
the term of the rental, and the amount of rent for
the term. The owner of the property may be referred
to as the lessor and the renter as the lessee.
rental agreement is often called a lease, especially
when real estate is rented. In addition to the basics
of a rental (who, what, when, how much), a real estate
rental may go into much more detail on these and other
issues. The real estate may be rented for housing,
parking a vehicle(s), storage, business, agricultural,
institutional, or government use, or other reasons.
The parties involved in the contract, the lessor (sometimes
called the owner or landlord) and the lessee (sometimes
called the renter or tenant) are identified in the
contract. A housing lease may specify whether the
renter is living alone, with family, children, room-mate,
visitors. A rental may delineate the rights and obligations
of each of these. For example, a "sub-let"
to a stranger might not be permitted without permission
of the landlord. This also applies to whether or not
pets may be kept by the renter. On the other hand,
the renter may also have specific rights against intrusions
by the landlord (or other tenants), except under emergency
circumstances. A renter is in possession of the property,
and a landlord would be trespassing upon the renter's
rights if entry is made without proper notice and
authority (e.g., 24 hours' notice, daytime, knock
first, except for emergency repairs, in case of fire,
flood, etc).
real estate may include all or part of almost any
real property, such as an apartment, house, building,
business office(s) or suite, land, farm, or merely
an inside or outside space to park a vehicle, or store
things. The premises rented may include not only specific
rooms, but also access to other common areas such
as off-street parking, basement or attic storage,
laundry facility, pool, roof deck, balconies, etc.
The agreement may specify how and when these places
may be used, and by whom. There may be detailed description
of the current condition of the premises, for comparison
with the condition at the time the premises are surrendered.
The term of the rental may be for a night (e.g., a
hotel room), weeks, months, or years. There may be
statutory provisions requiring registration of any
rental that could extend for more than a specified
number of years (e.g., seven) in order to be enforceable
against a new landlord.
typical rental is either annual or month-to-month,
and the amount of rent may be different for long-term
renters (because of lower turnover costs). Leaving
a long-term lease before its expiration could result
in penalties, or even the cost of the entire agreed
period (if the landlord is unable to find a suitable
replacement tenant, after diligent pursuit). If a
tenant stays beyond the end of a lease for a term
of years (one or more), then the parties may agree
that the lease will be automatically renewed, or it
may simply convert to a tenancy at will (month-to-month)
at the pro-rated monthly cost of the previous annual
lease. If a tenant at will is given notice to quit
the premises, and refuses to do so, the landlord then
begins eviction proceedings. In many places it is
completely illegal to change locks on doors, or remove
personal belongings, let alone forcibly eject a person,
without a court order of eviction. There may be strict
rules of procedure, and stiff penalties (triple damages,
plus attorneys' fees) for violations.
Rent may be payable monthly, annually, or in advance,
or as otherwise agreed. A typical arrangement for
tenancy at will is "first and last month's rent"
plus a security deposit. The "last month's rent"
is rent that has yet to be earned by the landlord.
The security deposit is often handled as an escrow
deposit, owned by the tenant, but held by the landlord
until the premises are surrendered in good condition
(ordinary wear and tear excepted). In some states,
the landlord must provide the tenant with the name
and account number of the bank where the security
deposit is held, and pay annual interest to the tenant.
Other regulations may require the landlord to submit
a list of pre-existing damage to the property, or
forfeit the security deposit immediately (because
there is no way to determine whether a prior tenant
was responsible).
In order to rent or lease in many apartment buildings,
a renter (also referred to as a "lessee")
is often required to provide proof of renters insurance
before signing the rental agreement. There is a special
type of the homeowners insurance in the United States
specifically for renters — HO-4. This is commonly
referred to as renter's
insurance or renter's coverage.
Similar to condominium coverage, referred to as a
HO-6 policy, a renter's insurance policy covers those
aspects of the apartment and its contents not specifically
covered in the blanket policy written for the complex.
This policy can also cover liabilities arising from
accidents and intentional injuries for guests as well
as passers-by up to 150' of the domicile. Renter's
policies provide "named peril" coverage,
meaning the policy states specifically what you are
insured against. Common coverage areas are fire or
lightening, windstorm, smoke, vandalism and theft.
web site is designed to give you general information.
The information on this web site is in no way intended
to be legal advice. Legal advice can only be obtained
by a licensed attorney who has the appropriate legal
skills and knowledge related to your specific circumstances.
Agreement Landlords
and tenants use a Lease Agreement to document their
rights and obligations relating to a residence. This
legal contract addresses all aspects of the landlord
tenant relationship. For example, the Lease Agreement
provides how much rent the tenant will pay and how
long he or she is renting the property.
Amendment A
Lease Amendment is an agreement made between a Tenant
and Landlord agreeing on the modification of certain
terms of the original Lease.
Assignment This
document can be used to transfer the original tenant's
(the assignor's) rights and responsibilities under
a Lease to another party (the assignee).
for Franchisor Owned Locations
Sublease Agreement allows a Franchise Owner to sublet
leased property for use by a Franchisee to operate
a franchise in accordance with the Franchise Agreement
entered into by between the Franchisor and Franchisee.
Renewal Agreement This
Lease Renewal Agreement sets the terms between a Lessor
(Landlord) and a Lessee (Tenant) for the renewal of
a Lease of a property.
Subordination Agreement This
document is a contract between a Tenant, a Landlord
and a Landlord's Lender, wherein the Tenant's interest
in the property is clarified as subordinate to the
Lenders. In addition, Lender promises to honor the
lease, in the event of the Landlord's fails to make
mortgage payments, and not disturb Tenant so long
as the Tenant is current on rental payments.
Rent Notice This
letter is used by a landlord or manager to remind
tenants that a rent payment is past due.
Rent Payment Agreement The
Late Rent Payment Agreement is an agreement between
a Landlord and Tenant that provides a Tenant a set
amount of time to pay all past due rent in order to
avoid eviction.
Application As
a landlord, you want to rent your property to qualified
tenants who will take good care of the property and
pay rent on time. A Rental Application, coupled with
a Residential Lease, is critical for effective property
management. The Rental Application allows a landlord
to assess and choose applicants for a rental property.
The information provided by a Rental Application is
used to perform background and credit checks on applicants
in order to make sure they are properly qualified
to rent the property.
Inspection Worksheet This
worksheet provides a detailed checklist that may be
used by either a landlord or a tenant to document
the condition of rental property both before and after
the tenant's occupancy of the property.
Receipt As
a landlord, you may be required or asked to provide
a Rent Receipt to your tenants. Providing a Rent Receipt
will protect each party's interest in the rental property.
For tenants, a Rent Receipt will serve as evidence
that a rental payment has been made. For landlords,
a Rent Receipt is used for recordkeeping purposes
as well as notifying tenants of late or partial payment.
Notice to Enter This
letter is used to notify tenants of a landlord or
manager's intent to enter the premises for the limited
purposes specified in the letter.
Notice An
Eviction Notice is a notice used by a landlord to
notify a tenant that he or she intends to terminate
the tenancy and remove the tenant from the property.
A landlord is required to give a tenant proper notice
before the eviction process can begin. Serving an
Eviction Notice is a required first step in order
to evict a tenant from the property. Rocket Lawyer
now has Eviction Notices for all fifty (50) states.
For your state-specific Eviction Notice, click HERE.
Process Worksheet This
worksheet is used by a landlord or manager to collect
and organize the information that is needed to initiate
eviction proceedings against a tenant.
I was new to the rental property game
and needed to get some rental and lease agreement forms
for my tenants to fill out. I was surprised that it
came with a notice to vacate and other property description
and condition forms.
I was able to use the rental and lease
agreement forms I downloaded from free-documents.net
with ease. The forms were easy to modify and covered
pretty much everything I needed to cover on my rental


text:
BHP Billiton
BHP Billiton
£22.01½ -16½p
Questor says BUY
BHP Billiton has been the most vocal miner arguing for a more short-term pricing mechanism, but Brazilian major Vale, which is the world's largest producer of the ore, is not far behind.
Yesterday, reports emanating from Brazil suggested that Vale was seeking three-month or six-month contracts instead of the annual price-setting talks. There was also speculation coming from China that Vale had asked for 90pc to 100pc jump in the benchmark price.
This level of increase would represent what is going on in the spot market. China failed to agree a benchmark last year and talks collapsed, but sales were made at the price agreed with Japanese steel mills of about $62 a tonne.
The iron ore spot price for sales to China stood at $144.80 a tonne yesterday, according to data from Steel Index. This is 134pc more than last year's benchmark price agreed with Japan.
Because iron ore miners missed out on the gains in the spot market last year, they want to introduce a more short-term mechanism. It is unlikely that all sales will be made at spot price, but their move to a quarterly pricing mechanism appears virtually inevitable. This is positive for miners in a bull market as it locks in gains on a quarterly basis. However, the reverse is also true, that it would benefit customers such as China in a bear market.
The message to take from this is that global mining groups do not see a bear market in iron ore for quite some time. This is very good for earnings at the major suppliers. In the first six months of the current year, iron ore accounted for 18pc of revenues and 25pc of earnings before interest and tax at BHP.
BHP is the largest mining group in the world, with exposure to oil, base metals, energy coal and the commodities used in steel making. Questor continues to think that, as in 2004, fears of a overheating Chinese market are overdone. The shares are trading on a June 2010 earnings multiple of 14.7, falling to 10.4 next year. The yield is 2.6pc.
The shares were first recommended as a tip of the year on January 2 as a relatively safe commodity play. The shares are up 10pc compared with a market up 2pc. Buy.
A share club of which Garry White is a member owns 274 shares in BHP Billiton.


text:
CMA Awards Tonight – Live Updates
Country Music's biggest night happens tonight in Nashville, Tennessee. It's the 45th Annual Country Music Awards with hosts Carrie Underwood and Brad Paisley. WYRK will be updating this posts as the awards and events happen so follow along with us while you listen to the show on 106.5 WYRK.
10:55: Entertainer Of The Year: Taylor Swift
10:51: Female Vocalist Of The Year: Miranda Lambert
10:42: Faith Hill performs "Come Home"
10:29: Tribute to Glen Campbell (Vince Gill, Keith Urban, Brad Paisley)
10:20: Martina McBride performs "I'm Gonna Love You Through It"
10:19: Male Vocalist Of The Year: Blake Shelton
10:14: Jason Aldean performs "Tattoos On This Town"
10:07: Scotty McCreery performs "Walk In The Country"
10:06: New Artist Of The Year: The Band Perry
10:01: Brad Paisley and Carrie Underwood perform "Remind Me"
9:56 Music Video Of The Year: "You And Tequila" (announced earlier in the evening)
9:52: Sugarland performs "Run" with Matt Nathanson
9:51: Vocal Group Of The Year: Lady Antebellum
9:46: The Band Perry performs "All Your Life"
9:36: Lionel Richie performs "Dancin' On The Ceiling" with Rascal Flatts
9:34: Lionel Richie performs "Stuck On You" with Darius Rucker
9:32: Lionel Richie performs "Deep River Woman" with Little Big Town
9:21 Kenny Chesney performs "You And Tequila" with Grace Potter
9:19: Album Of The Year — My Kind Of Party — Jason Aldean
9:15: Lady Antebellum performs "We Owned The Night"
9:08: Musician Of The Year — Mac McAnally (awarded earlier in the night)
9:05: Luke Bryan performs "Country Girl (Shake It For Me)"
9:00: Taylor Swift performs "Ours"
8:54: Chris Young performs "Voices"
8:51: Thompson Square performs "Are You Gonna Kiss Me Or Not"
8:48: Eric Church performs "Drink In My Hand"
8:46: Vocal Duo Of The Year — Sugarland
8:42: Rascal Flatts performs "Easy" with Natasha Bedingfield
8:35: Zac Brown Band performs "Georgia on My Mind" with Gregg Allman
8:33: Song Of The Year — "If I Die Young" –Kimberly Perry
8:29: Miranda Lambert performs "Baggage Claim"
8:21: Sara Evans performs "A Little Bit Stronger"
8:18: Keith Urban performs "You Gonna Fly"
8:12: Single Of The Year — If I Die Young — The Band Perry
8:00: Blake Shelton Performs 'Footloose" with Kenny Loggins
7:00pm: Red carpet has started (photos coming)


text:
This is a warning to anyone who happened to be here in Lower Jeuno tonight:
There's someone down here shouting that theyre selling a Kirin's Osode for either 6 million gil, or any item WORTH at least 6 million gil. Naturally, this sounded like a good deal (despite the fact that it seemed too good to be true), so I looked into it, and offered him my Strider Boots. Here's how the conversation played out, verbatim (I cant take Screenshots because Im on PS2):\
(oh, and the player's name is Fade):
Me: Are you willing to take Strider Boots for the Osode?
Fade: yes, but there's a catch.
Me: What is it?
Fade: You have to be here to trade at 6 est tomorrow.
[by this time, it was seeming even more suspicious, but I figured maybe he meant we would be BOTH trading our items at that time, so I went along with it]
Me: Ok, I'll be there tomorrow then.
[a short time passes]
Fade: Ok, well come trade me your strider boots now as proof of payment
Me: o_0
Me: <_<
Me: Wait... lemme get this straight...
Me: You want me to trade you my strider boots now...
Me: So that you can trade me an Osode that you MAY get tomorrow?
Fade: Yes
Me: Well, lets step back and think about this...
Me: Put yourself in my position...
Me: Now how stupid does that sound
Fade: Yes, I understand, but its really no skin off my back
Me: Can you TRY not to make it seem like a scam, at least?
Me: I mean, even if youre being honest about this...
Me: Why cant you just take my boots tomorrow when you get the Osode?
Fade: I just cant.
Me: Well sorry then. Sounds too fishy to me. I'm not that stupid.
Me: Enjoy your Osode.
Fade: OK then
Me: Good luck ripping someone else off.
I'm not going to go into whether or not Fade is a good person, and whether or not he had any intention of ripping me off. For all I know, he could very well have intended to trade me an Osode tomorrow, just as he said he would. But just the same... thats pretty stupid business if you ask me--giving up a multimillion gil item TODAY so that you can get another one tomorrow?
Ive heard too many horror stories about people losing valuable items from scammers before, and I wasnt about to put myself in any position to be scammed.
Therefore, if anyone has been scammed, or heard of anyone being scammed by this person, I'd like testimonials here so we can get his name out before we have another Coniver/Miscellaneous on our hands. And if this just happens to be a good person with poor business sense, well... I say let him go about his business then.
Anyways, heads up Gilgamesh. I'd hope anyone here with a pinch of common sense won't bite... just in case =/


text:
A Micro-Decomposition Analysis of the Macroeconomic Determinants of Human Development
We show how differences in aggregate human development outcomes over time and space can be additively decomposed into a pure economic-growth component, a component attributed to differences in the distribution of income, and components attributed to "non-income" factors and differences in the model linking outcomes to income or non-income characteristics. The income effect at the micro level is modeled non-parametrically, so as to flexibly reflect distributional changes. The decomposition is illustrated using data for Morocco and Vietnam, and the results offer some surprising insights into the observed aggregate gains in schooling attainments. A user friendly STATA program is available to implement the method in other settings.
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|40 pages
|Date of creation:
|Jul 2007
|Contact details of provider:
| Postal: INRA-LEA, 48, Boulevard Jourdan, 75014 Paris, France
Phone: 331 43136364
Fax: 331 43136362
Web page: http://www.inra.fr/Internet/Departements/ESR/UR/lea/index.html
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text:
Sept. 13, 2011 - Departmental Liaisons Now Required to Sign Monthly Cardholder Statements
Page 6 of the Francis Marion University Purchasing Card Manual has been amended as follows:
The Department Liaison is responsible for: Signing all cardholder monthly statements signifying review of cardholder statements and receipts. This change makes the University's policy consistent with the Materials Management Office South Carolina Purchasing Card Policy and Procedures. This requirement goes into effect immediately.