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A new announcement from Fannie Mae could mean the end of short sales for investors, raising the appeal of REOs and non-performing notes.
New moves by Fannie Mae bring major questions about conflicts of interests, kickbacks, and questionable lobbying at the highest level. Meanwhile, banks are plowing ahead with filing foreclosures and taking them back to the tune of 100% plus increases in real repossessions in some areas.
The question is: what is the best investment strategy for smart investors as the landscape shifts?
Many have dismissed the idea of a new wave of foreclosures or shadow inventory. Of course, they want to build momentum and confidence in the market, and cash in on higher prices and commissions, though it's possible that some are genuinely ignorant.
However, they should know that what will scare the public (and hurt their incomes) the most would be to be blindsided by news of masses of new foreclosures, rather than to be educated about what's coming down the pipe and how to take it on.
With the immense demand and current shortage of actively listed real estate inventory in many parts of the U.S. there is little worry of another crash. But, the truth is that a tsunami-sized wave of non-performing loans is working its way through the foreclosure process.
With a large number of U.S. banks still to report for the second quarter of 2013, those that have already released figures admit to holding a little over $5.6 billion in residential REO.
However, coming behind that is almost $113 billion in non-performing 1-4 family residential mortgage loans which are just now defaulting for the first time!
The only question now is: what is the best way to take them down as a distressed debt or real estate investor?
Short sales have been a staple of the market for years now. However, a new twist by Fannie Mae announces that as of August 1st 2013 no short sales will be approved or requests accepted unless first listed on the MLS. While this may certainly have some benefit for banks, the government and perhaps even more so for members of the National Association of Realtors, it also makes short sales even less appealing or viable for serious investors looking for value, compared to other alternatives.
While the official REO pool being advertised may be slim pickings in some areas, those with access to superior data can certainly pin point extremely appetizing and profitable deals. Jumping ahead of the competition even earlier by buying discounted notes from banks can yield even juicier spreads.
It's time to choose: short sales at retail prices or above, or finding real value and profit in distressed debt.


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Why are all my forms disabled just because I reached my secured form limit?Asked by Kalae on May 28, 2015 at 08:29 PM
I got notification that my secured form limit was approaching so I switched it to unsecured, but now all my forms are disabled. Is there a way to switch the secured submissions to regular so that I can continue to receive submissions?
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subset: commoncrawl


text:
kim wilde - Back Street Joe(1983) MP3
taken from the album「catch as catch can」
Kim Wilde - Back Street Joe MP3
Dancing with Back Street Joe That was a time I loved When we were kids so young So long ago Dancing with Back Street Joe Back in a time I loved We used to ...
Joe Manganiello dance in Magic Mike XXL MP3
MOvie scene : Magic Mike XXL Song :i want it that way-Backstreet boys i do not own anything in this video and all its rights are owned by its respective ...
Joe Jonas Backstreet boys Ringtone MP3
Joe Jonas Backstreet boys Ringtone.
No One Else Comes Close to the Backstreet Boys MP3
pictures of the backstreet boys to the song no one else comes close.
No One Else Comes Close - Joe / Backstreet Boys (Cover by Anh Dao) MP3
HAPPY BIRTHDAY DEAR! =) another year = a little wiser! I hope you don't dislike my cover too much =P As for everyone else, thank you so much for watching!
Billy Joel - Uptown Girl MP3
In 1983, Billy Joel released his album An Innocent Man, an album that traces Joel's musical history through his teenage years in the late '50s and early '60s.
Uptown Girl
Billy JoelOh, oh Uptown girl She's been living in her uptown world I bet she never had a backstreet guy I bet her mama never told her why I'm gonna try for an uptown girl (uptown girl) She's been living in her white bread world (white bread world) As[...]
Magic Mike XXL: Backstreet Boys Scene (Behind The Scenes Secrets) MP3
Joe Manganiello reveals the saucy secrets behind Magic Mike XXL's incredible Backstreet Boys stripping scene. Click here to subscribe to MTV UK Official!
funny jonas brothers moments new, Joe Jonas and parodea los backstreet boys MP3
Al final del video Joe Jonas parodea a los backstreet boys con la cancion " I Just want you to know"
I Want It That Way - Backstreet Boys (Jason Chen x Joseph Vincent Cover) MP3
Check out my album! http://bit.ly/jasonchen Get this I want it that way cover! =) http://bit.ly/jdcjvbsb Free songs on Patreon!: http://www.patreon.com/jasonchen ...
CCL Video - Back Street Kids - Jammin for Joe MP3
Musicians Jam Celebrating the life of Problem Child Bassist Joe Henry (June 27 2015, Hanover, Pa)
No One Else Comes Close - Joe/Backstreet Boys MP3
Hi everyone! This song was done by Joe & The Backstreet Boys. We love both versions, so we wanted to cover it! It's obviously from the girl's point of view!
CARVIN: Joe Augello-Backstreet Boys-Legacy, CT6, SH575 MP3
ロビン・シックやThe Backstreet Boysなど数々のアーティストとの共演で知られるギタリストのJoe Augello。 2009年からCARVINのギターやアンプを愛用して...
Kim Wilde - Back Street Joe MP3
"Catch As Catch Can" available on Amazon - http://www.amazon.co.uk/dp/B0024F13BO "Wilde Winter Songbook" available on Amazon ...
Backstreet Boys @Cotton Eye Joe@ new montage 2009 MP3
Rednex - Cotton Eye Joe.
Interview with Backstreet Boys and Joe Calzone MP3
Entrevista con Backstreet Boys y Joe Calzone Tags Backstreet Boys - I Want It That Way Nick Carter Backstreet Boys - Incomplete Backstreet Boys - As Long As ...
Backstreet boys/joe and Carmen/wedding kareoke MP3
Joe Manganiello Teaches Stripper Moves To Conan MP3
CONAN Highlight: Conan gets instructed in the fine art of body rolls by no less an expert than Big Dick Richie from "Magic Mike." More CONAN ...
No One Else Comes Close by Joe and Backstreet Boys (cover) MP3
"Akustik Vibe" @ Pagdiriwang in Seattle. Rb on alto sax and Eugene on guitar.
Robin Thicke/Jennifer Hudson/Backstreet Boys Guitarist - Joe Augello MP3
Joe uses both Ultimate Ears 7 Pro and 10 Pro.
Backstreet Band - Hey Joe - Foresters Arms, East Coker MP3
The sound quality is very poor on this one but hopefully was worth capturing anyway. http://www.lemonrock.com/backstreetband1.
Guitar Player Joe Augello of Robin Thicke, Jennifer Hudson, and Backstreet Boys MP3
Guitar Player Joe Augello uses Mogami cables on tour and in the studio.
Back Street Joe MP3
Provided to YouTube by Warner Music Group Back Street Joe · Kim Wilde Catch As Catch Can ℗ 1983 Parlophone Records Ltd, a Warner Music Group ...
Deland - No One Else Comes Close by Joe Backstreet Boys! (Cover) MP3
Deland singing no one else comes close by Joe live at Starbucks with Vince Faustino!
PFV Talks about BackStreet Boys Covers, Suplex City, and DFUOB7 Contest in Interview With Joe K MP3
PFV Matt "PFV" rap Interview With Joe K - PFV Talks about funk volume DFUOB Rap Contest, brock lesnar, suplex city, Top 3 Rappers, and BackStreet Boys ...
Joe Jonas singing Backstreet boys. MP3
Ahahahaha, he is hilarious. from the September 15th 2007 live video chat!
No One Else Comes Close - Acapella cover (Joe, Backstreet Boys) MP3
Great song. Joe and Backstreet Boys each had their own version.
NO ONE ELSE COMES CLOSE by JOE & BACKSTREET BOYS ( INNERLUDE REMIX ) MP3
NO ONE ELSE COMES CLOSE Covered by INNERLUDE from the REMINISCE PROMO PROJECT.
Vance Guitar Kelly. Hey Joe . Black Magic Woman .With the Backstreet Blues Band . October 2015 . MP3
B.L.U.E.S. Chicago .


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Movie maker did many mistakes during the making of movies. However, the movie maker takes too much care but many times they fails. Mostly people don't notice these mistakes accept some smart people. Few people noticed some mistakes when they observe closely. Recently, Sultan movie is released and we sure that you definitely never notice some mistakes that are we showing you in below contents. So let's see some mistakes of big budget movie Sultan that are really shocking.
Playing a role of Haryanvi person was not so easy.
Found this Image disturbing or inciting religious hatred ? Please report [email protected]


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We help you locate a Rogart french horn teacher. French Horn tuition are the perfect way to learn an entertaining new hobby, acquire a new skill and gain confidence in french horn. Use our site to search for Rogart french horn tutors and select which best matches your requirements so you can enjoy your french horn tuition in Rogart straight away!
First Tutors: Music is the fastest way to locate Rogart french horn teachers in the UK, helping you discover Rogart french horn lessons close to you and Rogart teachers to help with any instrument such as piano, violin or guitar. We can help you find Rogart french horn tuition or a one-to-one Rogart french horn teacher to prepare for french horn grades and improve your french horn skills! We order Rogart french horn teachers in your area according to their tuition prices and distance from you.
If you are a french horn tutor wishing to offer your french horn tuition services in Rogart or anywhere else across the UK, please register with First Tutors: Music or learn about us here. Becoming a Rogart french horn tutor is a great way to re-affirm your own knowledge through providing french horn lessons while helping someone else, all in the Rogart area!


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My raised vegetable and herb garden
Last summer my husband decided to build a garden in our backyard. It was not planned out and in the end I was really not happy with the quick and dirty execution of it. Basically it looked like crap. (No offense husband dearest!) This summer I insisted he destroy the existing garden and WE come up with a plan for something much more aesthetically pleasing. We did a quick google image search one day for raised garden beds and came across a photo very quickly that we both loved. It was essentially a big rectangle with an area cut out in the middle to walk around in. Simple yet a great layout. And let me say right off the bat that if you're thinking of building a garden GO WITH A RAISED GARDEN. Weeding is actually FUN when it's not back-breaking!
We found a super resource of cedar so we went with unplaned cedar to keep the cost down (in the end it cost about $380, and the garden is about 6' wide and 18' long). The wet spot above may or may not be me having just hosed down cat pee.
We placed it against the side of our garage (that one day in the not so distant future needs replacing). We have grand plans of building a screened in gazebo type shed thingy next to it so we can hang out with the cats and not have to tie them up with leashes/harnesses.
This garden is fairly large but aside from the gazebo and a larger back porch we don't really need anything else back here. Note the random ferns. They are all over our property. I had no idea they grow like weeds. Best looking weeds out there I'd say!
The wood on this side of the garage was rotting so husband found something called plytanium. It's an outdoor wood with grooves to look like planks. I decided to hell with it, we would leave it unpainted and I don't care that it doesn't match the rest of the white garage because at least it blends in with the garden. I thought that would make a prettier, more organic backdrop although the plants have grown so big in the few weeks since they were planted that it doesn't show much anyway.


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Calcutta High Court has hauled up Buddhadeb Bhattacharjee's government for its failure to carry out judicial orders and evict nearly 25,000 squatters along the railway tracks off Rabindra Sarobar.
'So you are saying that the state government is not in a position to carry out the order of the apex court of the country' Chief Justice V.S. Sirpurkar asked advocate-general Balai Ray on Friday.
The court reacted sharply when the advocate-general said the drive against the squatters, originally slated for March 2, had been abandoned fearing a clash between police and squatters. 'The government had no option but to postpone it,' said Ray in defence
'Can your government state this in affidavits' You are saying that you have stalled the eviction programme fearing a disaster. There will be a greater disaster if a government says that it has no machinery to carry out the order of the court,' observed the chief justice.
All Ray could say to that was: 'You are absolutely right' We only pray for some more time. The order of the court must be carried out.'
The division bench fixed the matter for hearing on April 8, when the 'commissioner of city police will have to be present and say what steps are being taken to carry out the order of the court'.
The chief justice termed as 'strange' the fact that the police 'went to the spot to evict the squatters and returned without carrying out the job'. The force was asked to back down following instructions from the top not to risk a showdown and widespread trouble.
Appearing for the railways on Friday, advocate R.N. Das pointed out how the state government had provided ration cards and electric supply to the squatters.
'Why did you not object at the time the government was issuing them ration cards' the chief justice demanded of the railway counsel.
The division bench then asked the government to file an affidavit showing reasons behind the decision not to evict the settlers and also stating when it would be in a position to carry out the eviction order served by both the high court and the Supreme Court.
The bench also asked the Calcutta Improvement Trust to furnish a map of Rabindra Sarobar and its surrounding areas on April 8.
'We want an idea about the area. We will see whether it is possible to prevent the squatters from entering the Sarobar area by putting up a barbed wire for the time being,' said the court.
Environment activist and petitioner in the case Subhas Dutta told the bench that the squatters were identifying him as the villain of the piece. 'My only intention was to save the Lakes' But now I am receiving threat calls,' Dutta told the court.


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Popular Now
Popular Now
Popular Now
Popular Now
01803 865913
+44 1803 865913
By: Rutherford H Platt
335 pages, Figs, tabs, maps
In recent years, the number of presidential declarations of "major disasters" has skyrocketed. Such declarations make stricken areas eligible for federal emergency relief funds that greatly reduce their costs. But is federalizing the costs of disasters helping to lighten the overall burden of disasters or is it making matters worse? Does it remove incentives for individuals and local communities to take measures to protect themselves? Are people more likely to invest in property in hazardous locations in the belief that, if worse comes to worst, the federal government will bail them out?."Disasters and Democracy" addresses the political response to natural disasters, focusing specifically on the changing role of the federal government from distant observer to immediate responder and principal financier of disaster costs.
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Your orders support book donation projects
On behalf of Parque Nacional Nahuel Huapi I would like to thank NHBS. The book will be very useful for my students.
Search and browse over 110,000 wildlife and science products
Multi-currency. Secure worldwide shipping
Wildlife, science and conservation since 1985


text:
frequently asked questions
womens clothing size guide
womens footwear size guide
We offer free shipping within Australia for any order over $100. Shipping is charged at a flat rate of $14.50 for purchases under $100. Items will be sent via DHL Express post with an expected delivery of 3-5 business days. International Shipping is charged at a flat rate of $39 via Registered Airmail with an expected delivery of 7 – 14 business days. Orders received on weekends and public holidays will be processed the next business day. Shipping is not covered by insurance. We do not accept PO BOX addresses.
customer service
búl is committed to providing great quality goods and exceptional customer service. We endeavor to ensure that all items listed on our website are in stock and priced correctly. Standard delivery time frames are between 2-4 business days. In the event that an item ordered is unavailable or unable to be filled you will be notified to arrange an agreeable alternative item, gift voucher or full refund. If you have any customer service enquiries, please email; firstname.lastname@example.com.
returns and exchange policyWe hope you love your new purchase and continue shopping with us. However, if something isn't right we are happy to offer an exchange from our online store or via one of our búl stores. búl will provide free shipping of your exchanged item(s). Refunds are only accepted on full priced items for online purchases only, and/or if the item is deemed faulty.
how to exchange
To exchange please notify us by email at email@example.com within 14 days of purchase in order to receive your RA# confirming the exchange. Item(s) must be returned within 7 days of email confirmation.
please include in the email the item you would like to exchange and list the new size or product in which you would like change to.
please send the item to be exchanged along with your original receipt to: búl online exchange, 120 Langridge Street, Collingwood, 3066
Once items have been received, búl online will ship your exchange request free of charge.
in-store exchange: búl are happy to exchange online purchases at any store within 14 business days of receiving your order. A printed copy of the order email is required when making an exchange.
new zealand exchanges: standard shipping cost for the return of the package will be charged to your credit card. The item(s) must be returned within 10 days of email confirmation.
faulty items
If a faulty item is being exchanged búl will supply a postbag for the sending of a new item. búl considers item(s) as faulty if they are received damaged, or where a manufacturing fault occurs. Items that are damaged as a result of wear and tear or improper care are not considered to be faulty.
- Exchanges are not accepted on SALE items.
- All exchange items must be in a saleable condition. 'Saleable condition 'means the nature of the item(s) must remain new, unwashed and unused with all swing tags attached
- búl is not responsible for any item(s) exchanged that are not returned to us in a saleable condition.
- The customer pays for shipping to bul and búl will ship your exchange request to you free of charge.


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What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
At JotForm, we want to make sure that you're getting the online form builder help that you need. Our friendly customer support team is available 24/7.
We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you'd like help immediately, feel free to search for a similar question, or submit your question or concern.
How to edit text in drop down menusAsked by stolly11 on April 14, 2015 at 07:54 AM
I have tried to edit the list of items in the drop down area of each sponsorship package but it did not save. Now I cannot even get into the area to edit even when I hit edit multiple fields. please HELP! ASAP
Thanks so much!
Hi there;
Please review the following screenshots to edit the options.
Will let us know, if you need further assistance on this, we would be happy to assist you.


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This Tamrac Goblin Lens Pouch 0.7 - Pumpkin comes with a Tamrac Australia Limited Lifetime Warranty. Standard shipping: $11.95
Fully-insured shipping: $15.95
Fully-insured shipping: $15.95
This Tamrac Goblin Lens Pouch 0.7 designed to give you easy-to-access protection for all your lenses, Goblin Lens Pouches are made to fit a wide range of lens types and sizes - from your smallest lens to a 24-70mm. A simple cinch-to-shut drawstring enclosure makes for easy access to your lens while a quilted, ultrasonically fused interior provides basic padded security.
- Ripstop nylon exterior
- Custom ultrasonically fused quilted interior
- drawstring enclosure
- Carry lenses up to 7.5 cm (3 in) wide x 7 cm (2.75 in) long
|External Dimensions
|9 x 10 cm (3.5 x 3.75 in)
|Internal Dimensions
|8 x 9 cm (3 x 3.5 in)
|21 g (0.75 oz)
|What Fits?
|Lenses up to 7.5 cm (3 in) wide x 7 cm (2.75 in) long


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Katie Scott/Catholic Sentinel
Eighth-grader Emma Milton spins during "Making Science Dance," a program brought to St. Cecilia School in Beaverton that blends movement with curriculum. The kinesthetic learning helped Milton and her classmates explore genetics — while having fun and feeling more comfortable in their bodies.
Nicole McCall, a BodyVox teaching artist, leads an innovative program at St. Cecilia School in Beaverton, blending students' curriculum with dance.
BEAVERTON — Three students sliced the air with precise kicks. Several girls twirled while a boy's arms flailed then flopped.
It was just before 10 a.m. in the parish hall across from St. Cecilia School, and eighth-graders were moving their bodies, giggling — and studying genetics.
The five-day program, entitled "Making Science Dance," used the power of kinesthetic learning to help children in all grades better grasp scientific concepts, learn movement techniques, feel more comfortable in their bodies and support one another.
"Learning sticks" when it is acquired "in a way that is meaningful to students, in a way they enjoy," said Sue Harris, St. Cecilia principal. Studies also show that engaging the body helps engage the mind.
The program, held at St. Cecilia last month, is the fruit of a partnership between Young Audiences of Oregon and Southwest Washington, which promotes learning through the arts, and BodyVox, the award-winning Portland dance company blending contemporary dance, theater and film. Young Audiences offers schools a roster of teaching artists, including from BodyVox, for residencies, workshops and performances.
Nicole McCall, a BodyVox teaching artist and St. Cecilia parent, led the program at the parish school. Students in kindergarten through second grade participated in "Making Plants Dance," and third- through fifth-graders were "Making the Solar System Dance." Middle schoolers learned the fun of "Making Physics Dance." All classes were tied to the students' curriculum and culminated with an "informance," attended by parents and teachers.
McCall, founder of Dance Your Heart Out studio here, is a seasoned dancer and teacher of ballet, jazz, tap and modern dance.
Harris said when she decided to invite a BodyVox teaching artist to the school, she had "no idea Nicole worked for the company."
But it was a "beautiful" coincidence, she said. "Since (McCall) knows and loves the school community, it was easy for her to talk to teachers about what would work best."
On the recent morning in the parish hall, McCall constantly was moving and attuned to the students' abilities and engagement.
"How do you show increasing amounts of energy?" McCall asked the middle schoolers. Increasing range of motion with kicks was one option.
Since the students were learning about genetics, McCall discussed dominant and recessive genes and DNA, "which itself is choreography," said the mother of a kindergartner and fifth-grader.
Students also were asked to reflect on their heritage and to use family history as inspiration for their movement.
Though McCall grounds the program in science curriculum, she meets the children "where they are developmentally" and is flexible and adaptable.
Sometimes the focus shifted to helping students "be more comfortable in their own bodies," she said. "I like to tell eighth-graders, in particular: 'The quickest way to fail at dance is to try to look good. The moment you let it all go and just have fun and you dance with abandon and dance silly, that's when it looks good and interesting."
McCall turned to the St. Cecilia's theme for the year — Opening Our Hearts to All — to help draw students out of their comfort zones and connect with each other in new ways.
For example, she asked eighth-graders to partner with people they might not usually work with.
"Making Science Dance" came to the school as part of LEAP, St. Cecilia's Learning Enrichment in the Arts Program. LEAP was funded by the school auction, and, thanks to the generosity of school families, will support about three programs a year for the next several years, said Harris.
According to eighth-graders Emily Brown and Luke Horne, the recent combination of science and movement was a hit.
"It was really cool to express our heritage through motion," said Horne.
"It was much better than sitting at a desk," added Brown. "And we got to get our brains moving with our bodies." For that she's especially grateful, she said, "because we are 13 and 14, and we have a lot of energy."


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Tired of moving all your plants inside during a freeze? Clear vinyl plastic panel enclosures are a marine grade double polished vinyl that together with a space heater enables you to enjoy a cozy winter outdoors.
Clear Vinyl Plastic enclosure panels require a bit of guidance and we like you to email us a digital photo so that we can help you plan your project. Unlike our Mosquito Netting Curtains, these orders must be phoned in.
Can't enjoy you porch or patio during cold weather? Some folks just like to be outdoors,either with friends watching a football game or enjoying that outdoor kitchen you just had built. Clear Vinyl Plastic panels will protect your porch or patio from rain, snow and cold weather. Great when you have plants that need protection, or for pets that shiver their tails off while you are away and need access to the yard for some private time.
Made of a marine-grade 20mil thick vinyl plastic, these outdoor plastic panels can be used to cover an existing screen porch or as plastic window covers. Best of all, you found the low cost fabricator of outdoor vinyl plastic panels, since we've engineered them smarter than our competition. We'll even give you names of competitors!
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Waterproof your patio with outdoor plastic curtains. Nor more rain on your porch or patio this season with our thick clear vinyl curtains.
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If you can handle a screw driver and a ladder, you can install this project. We' will coach you through the planning process and provide a DIY plastic enclosure kit with everything you need. Best of all, you can easily remove them without professional help (and cost) because our secure fasteners are simpler to remove.
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We regularly make plastic enclosures for existing screen porches. Our clear vinyl plastic keeps out bad weather to protect your patio so that you can enjoy your patio year round.
This client had an existing screen porch. We custom-made plastic window coverings to protect from rain snow and the cold wind.
Keep that cold wind and rain out of your porch with plastic window coverings that are easy to snap into place and remove whenever you choose. If you have an existing screened porch, we'll help you to weatherproof your porch. Installation is quick with just a drill and a ladder. Plastic curtain panels will make your outdoor space usable year round.
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We use 20 mil Clear Vinyl Plastic because roll sizes are 72" (compared to 20 mil at 54"). We heavily reinforce the edges for strength. If your plastic enclosure project is taller than 75", we add a Sunbrella apron along the bottom to make up the difference. Keep rain and snow off your patio!
Are you losing business from an unusable outdoor dining area? Outdoor plastic panels are an investment that pay for themselves in just a week or two. Keep your customers warm by using a space heater to create a cozy environment. Using outdoor clear vinyl plastic panels will put more diners in view of passers by luring them towards a restaurant with "action", instead of to an alternative restaurant.
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Rebuilding Haiti must start from the ground up, with agricultural education
The 1st project in each area of development must start with building nurseries growing 1/2 million slips of vetiver.
The vast amount of land in Haiti will require many nurseries creating billions of slips of vetiver.
These nurseries also will need to plant thousands of trees according the the area's needs.
Comprehensive study on Environmental Stabilization of Haiti
Propogation and Planting slideshow
Nurseries for tomatoes and tree seedlings must be protected from animals eating at night.
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Nagaon, Aug. 22: Three of six suspected car thieves arrested by Nagaon police died in custody last night, but officials denied they were victims of torture.
The district administration today instituted a magisterial inquiry into the circumstances leading to the custody deaths. The victims alleged accomplices are in hospital with serious injuries.
The police claimed that the three died at Nagaon Civil Hospital of injuries suffered while trying to flee. They allegedly attempted to flee while being brought to Nagaon from Burhapahar.
Wary of the possibility of censure by rights organisations, the police strictly adhered to the guidelines laid down by the National Human Rights Commission while getting post-mortem conducted on the bodies.
Deputy inspector-general of police (central western range) Pallab Bhattacharya said here this evening that there had been no digression from norms. As the deaths occurred in police custody, it has become a matter of human rights. All the directives of the National Human Rights Commission have been followed. Video recording of the post-mortem has been done and a preliminary report has been sent to the Assam Human Rights Commission, he said.
Post-mortem on the bodies was conducted in the presence of magistrate Nabajyoti Ojha.
The six suspected car-lifters had been taken into custody yesterday afternoon. The three who died were identified as Abdul Salem, Habibur Rehman and Khalilur Rahman.


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gage' is the same that was executed by said Blake to the Metropoli· tan Trust Oompany of Minneapolis, Minn., dated 29th day of August, 1892." If Blake had been directed to bring the instrument . into court to be canceled, .or to execute some release or deed, or what not, perhaps the court could have compelled him thus "to remove" the mortgage, if it might proceed effectually to decree upon titles to land in another state, and in the absence of the mortgagee or those holding under him, but it does not do this. It, in effect, commands Blake to remove the mortgage by paying the mortgage debt. Undoubtedly the court had power to determine the point of litigation on the bill for rescission and the pleadings in that case, as an incident to the granting or denial of that relief, for the Pine Mountain Company pleads the wrongful mortgage as a defense to Blake's complaint of its nonperformance. We hold that he has no equity of rescission, whether the mortgage be rightful or wrongful; but if there had been grounds for it, and this wrongful mortgage did impede performance, as no donbt, in its natural effect, it would tend to do, if the property were close in its margins of value, it would be a defense to the bill, and the court might so declare. The cross bill of the Pine Mountain Company asks to have the contract of August 10, 1892, reformed by showing the true agreement in this respect; and, more than this, we think the point is within jurisdictional judgment upon Blake's intervening petition or cross bill asking to have the trust deed to the Germania Company reformed to comply with the stipulations of the contract between him and the Iron Mountain Company. In that contract this very dispute was reserved for adjudication in some form appropriate to a court of equity, and while, in the strictest technical sense, it is possible that the trust created by the deed of trust is disconnected with that dispute, and the trustee conld proceed in administration without its settlement, still on the rescission bill we have hold of the question, and on the pleadings otherwise it is in litigation; so we think we need not remit the parties to a court of law, but may, in reforming the trust deed, note this stipulation, and give effect to it by directing a declaration in the trust deed that the imposition of the mortgage was unauthorized, and the trustee is directed, in any settlement of his accounts with Blake, to proceed on that basis of settlement, leaving the parties free to act .as they may be advised to secure any further relief to which they may be entitled in that behalf. The decree of the circuit court will be affirmed, with costs to be paid by the appellant.
MANHATTAN TRUST CO. T. SIOUX CITY CABLE RY. CO. (WESTING· HOUSE ELECTRIC & MANUFACTURING CO. et ai., Interveners). (Circuit Court, N. D. Iowa, W. D. October 28, 1896.)
Where property Is sold and delivered under a contract that It Is to remain the property of the vendor until fully paid for, which Is not acknowledged and recorded, It Is not subject, under Code Iowa, § 3093, to the lien ot a prior mortgage of all the property then owned, or thereafter to be ae-
quired, by the vendee, except in so far as the interest of the vendee extends. Myers v. Car Co., 102 U. S. 1, followed.
Where a street-railway company whose property is mortgaged has contracted a debt for motive power furnished since the mortgage was executed, such indebtedness takes priority of the mortgage. Where a debt contracted by a corporation Is a first lien upon property which never became its own, by reason of its failure to carry out the terms of the contract of sale, equity will decree that it be paid out of a fund in court arising from a sale of the corporation's property, in order to avoid the circuity of action which would result if the owner of the property paid off the lien, and thus became subrogated to the rights of the lien creditor.
EQUITy-CIRCUITY OF ACTION-SUBROGATION.
In Equity. Swan, Lawrence & Swan, for complainant. Wright & Hubbard, for intervener Sioux City Electric Co. Joy, Call & Joy, for intervener 'Westinghouse Electric & Manufacturing Co. .
SHIRAS, District Judge. The original bill in this case was filed by the Manhattan Trust Company for the purpose of foreclosing a mortgage upon the property of the Sioux City Cable Company, and a receiver of the property was appointed in the usual manner. The case is now before the court upon petitions of intervention filed on behalf of the Westinghouse Electric & Manufacturing Company and the Sioux City Electric Company, presenting the question of the rights of the parties to a certain electric generator which was furnished by the Westinghouse Company under a written contract entered into with John Peirce, either in his individual capacity, or as president of the Sioux City Cable Company, and dated April 20, 1894. In this contract it is provided that:
"The title and ownership of the property called for and furnished under the terms of this agreement shall remain In the company until the full and final payment ther\lfor shall have been made by the purchaser according to the terms agreed upon, and until notes, If any, shall have matured and been settled in fulL"
This contract was not acknowledged or recorded, and for that reason it is claimed to be of no force against the rights of the bondholders represented by the Manhattan Trust Company. When this contract was entered into, the property of the cable company was in the hands of a receiver appointed by the district court of Woodbury county, Iowa, upon a petition filed by John Peirce, and that court had authorized the receiver to contract with John Peirce to change the railway from a cable to an electric road, which change was made; and subsequently the receiver was discharged, and the railway line went into the possession of a new company, knowD as the "Consolidation Company." Subsequently the Manhattan Trust Company filed the present bill for the foreclosure of the mortgage executed by the Sioux City Cable Company to secure the bonds issued by the company; the mortgage being dated July 1, 1889. The Westinghouse Company, with leave of court, filed in the case a petition of intervention, for the purpose of assert-
ing its right to the generator, which had not been paid for. This petition was on file when the decree for the sale of the mortgaged property was entered, and it was stipulated between the parties in interest that the decree and sale should 'not affect the rights of the parties in and to the generator, but that the ownership thereof should be determined the same as though the mortgage sale had not been had. The Code of Iowa (section 3093) provides that:
"No sale, contract or lease wherein the transfer of title or ownership of personal property is made to depend upon any condition, shall be valid against any creditor or purchaser of the vendee or lessee in actual possession obtained in pursuance thereof, without notice, unless the same be in writing, executed by the vendor or lessor, acknowledged and recorded the same as chattel mortgages."
In the case of Myer v. Car Co., 102 U. S. 1, this section of the statute came before the supreme court for construction; and it was held that a contract such as is found in the written agreement of April 20, 1894, whereby the title of the generator was to remain in the Westinghouse Company until the same was paid for, was valid, as against a prior mortgage, although the same had not been acknowledged or recorded. 'fhe ground of the ruling is that, when the mortgage was executed and accepted by the mortgagee, the property in question .was not then included in or covered by the mortgage, and that. the only claim which the mortgagee had thereto was under the clause in the mortgage intended to apply to afteNtcquired property, and that this clause can only apply to property owned by the mortgagor; or, in other words, so far as after-acquired property is concerned, the mortgagee gets only the right and interest of the mortgagor. As already stated, the mortgage represented by the Manhattan Trust Company, the complainant herein, was executed on July 1, 1889, and the generator was furnished, and the contract with relation thereto was entered into, in 1894. Under the ruling of the supreme cOllrt in Myer v. Car Co., supra, it is therefore clear that, as between the trust company and the Westinghouse Company, the latter is entitled to the gen.?orator, by force of the contract under which it was furnished, and which provided that, until paid for, the title and ownership of the generator should remain in the vendor, with the right to take possession thereof upon the failure of the purchaser to make payment as agreed upon. On behalf of the intervener, the Sioux City Electric Company, a claim to or lien upon the generator is as,serted npon the ground that on or about May 15, 1894, a verbal agreement was entered into between it and the Sioux City Cable Company, whereby the electric company agreed to furnish the electric power needed by the cable company for the agreed price of $450 per month, and the generator in question was delivered to the electric company, with the understanding that the electric company should have a lien on the generator, and be entitled to hold possession thereof, until all sums due it for power furnished should be paid by the cable company; and it is averred that the electric company fur-
nished the requisite power to the cable company, for which there remains due and unpaid the sum of $1,179.75. This indebtedness accrued for power furnished during the months of May, June, July, August, September, and October, 1894, being the balance remaining unpaid for those months under the contract rate; and it is of such a character that equitably it should be paid in preference to the mortgage debt, under the rule laid down in Fosdick v. Schall, 99 U. S. 235, and the cases based thereon. The party primarily liable for this indebtedness is the Sioux City Cable Company. If it be true that the electric company has an enforceable lien upon the generator, as security for the debt due it, it gets this lien by virtue of the contract with the cable company; and it is clear that, if the Westinghouse Company is compelled to pay this lien in order to protect its title and right in and to the generator, it will by such payment become entitled to be subrogated to the right of the electric company, as against the cable company and its {lroperty. The rule applicable to cases of this character is given in Sheld. Subr. § 12, in the following terms:
"As a general rule, all persons having an interest in property subject to an incumbrance by which their interest may be prejudiced or lost have a right to disengage the property from such incumbrance by the payment of the debt or charge which creates it; and, if such debt be one for which the ultimate liability rests upon another party, they will, upon their payment, be subrogated to the right of the creditor against the ultimate debtor, and against the property upon which the debt was a charge."
Under this rule, it follows that if the Westinghouse Company, for the purpose of freeing the generator from the lien held there· on by the electric company, should now payoff the lien, it would be entitled to be subrogated to the rights of the electric company against the cable company touching the debt due from the latter company, and would thereby become entitled to demand the payment thereof, as a claim preferential to the mortgage debt, be· cause the indebtedness was for the power furnished to operate and run the cars over the line of railway owned by the cable company. When the decree of foreclosure was entered, the bearing upon the petitions of intervention now before the court was postponed until a future day,-it being so provided in the decree,-with the further condition that $2,000 out of the sum realized from the sale of the mortgaged property should be deposited in the registry of the court, to be appropriated to the payment of the claims of the named interveners in case any sum should be adjudged due either of them, and to be superior in equity to the lien of the mortgage. This sum is now in the registry of the court, and it is therefore within the power of the court to prevent circuity of action by making the proper order for the application of this fund. As already indicated, the court holds that the Westinghouse Oompany holds the title to, and is entitled to the possession of, the generator, as against the Sioux City Cable Company, and as against the Manhattan Trust Company, the trustee in the mortgage secming the bondholders of the cable company. The electric company only
claims a lien upon the generator, the title to which is in the Westinghouse Company; and this lien is to secure a debt due the electric company from the cable company, which debt is of a character entitling it to preference in payment over the mortgage creditors of the cable company. If the Westinghouse Company should now clear the title to the generator by paying the debt due from the cable company to the electric .company, thereby discharging the lien on the generator, it would be entitled to be subrogated to the 'ight of the electric company, as against the cable company, and thus become entitled to receive from the proceeds of the sale the amount due the electric company for the power used to operate the railway line. The rights of the parties are therefore protected by ordering the payment of the sum due the electric company out of the money in the registry of the court, thereby releasing and discharging the lien on the generator, and ordering the delivery of the generator to the Company. Decree accordingly.
ZIEGLER v. LAKE ST. EL. R. CO.
(Circuit Court of Appeals, Seventh Circuit. October 5, 1896.)
A bill is properly dismissed, on demurrer, as multifarious, when it joins separate and independent matters, so distinct from each other that they are not the proper subjects of attack in one suit.
CORPORATIONs-SUIT BY STOCKHOLDER.
A stockholder cannot maintain a suit for a wrong to the corporate body without showing either an effort to set the corporation in motion to redress the wrong, an application to the directors to that end, or that such effort or application would be useless; and a failure to seek action on the part of the corporation itself cannot be excused by vague and general averments of complicity on the part of the directors in the wrongs complained of. 69 Fed. 176, affirmed.
Appeal from the Circuit Court of the United States for the Northern District of Illinois. S. P. Shope and T. S. McClelland, for appellant. Knight & Brown, Judah & Willard, S. P. McConnell, and John A. Rose, for appellee. Before WOODS and JENKINS, Circuit Judges, and BUNN, District Judge. . WOODS, Circuit Judge. The bill in this case was brought by William Ziegler against the Lake Street Elevated Railroad Company, its directors and other officers, and John J. Mitchell, to enjoin the carrying out of certain contracts, and to obtain a receiver of the company named. The bill was afterwards amended, later an amended and supplemental bill was filed, and still later amendments were added whereby the Metropolitan West Side Elevated Railroad Company and the Chicago and South Side Rapid-Transit Railroad Company were made defendants. General and special demurrers to the bill and amendments were filed, and on July 3,


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Jonah Hill hospitalised by fake cocaine on Wolf of Wall Street
Jonah Hill was hospitalised by the fake cocaine he had to snort for his role in 'The Wolf of Wall Street'.
The 32-year-old actor played hard-partying stockbroker Donnie Azoff in the Golden Globe winning movie about the life of fraudulent trader Jordan Belfort - portrayed by Leonardo DiCaprio.
For many scenes, he and DiCaprio had to take 'coke', which was replicated by the crew by using vitamin powder but Jonah inhaled so much he ended up developing bronchitis.
During an appearance on US talk show 'Any Given Wednesday with Bill Simmons', he revealed: "I had to be hospitalised. If you ingest that much matter into your lungs you'll get very sick, and we were literally doing fake coke for, like, seven months, every day. I never had more vitamin D in my entire life; I could have lifted a car over my f***ing head!"
Jonah is playing another drug abuser, real life arms dealer Efraim Diveroli, in 'War Dogs'.
And the actor-and-screenwriter has shared the secret to how he pretends to be high on screen - energy drinks and "chaotic" music.
He said: "It's interesting pretending to be on drugs. I use music. I'll make a playlist for every scene, so I'll try to make, like, music that (made me feel) jittery and chaotic ... and then just drink a ton of coffee and Red Bull."
In 'War Dogs', Jonah stars alongside Miles Teller as Miami-based friends Efraim and David Packouz who, during the Iraq War, exploit a little-known government initiative that allowed small businesses to bid on US military contracts.
They then land a $300 million contract to supply weapons to the America-allied Afghan armed forces with weapons and find themselves drawn into a world filled with shady and corrupt characters.
The movie is based on a true story and has been adapted from Guy Lawson's Rolling Stone article and subsequent book 'Arms and the Dudes'.


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Madrid Conference raises at least $33 billion for Iraq
Donors pledged at least $33 billion for the reconstruction of Iraq at the two-day international conference on Iraq reconstruction in Madrid, organizers announced Friday, October 24, 2003, at a closing press conference.
The $33 billion figure includes the $20.3 billion in a US supplemental budget request, which is in the final stages of congressional approval.
US Secretary of State Colin Powell said that a number of nations not pledging in Madrid "might well be able to do so in the future and might be considering their position as we move forward with this achievement under our belt."
"There are other funds that will be reaching the ultimate goal of $56 billion for reconstruction over an extended period of time, through 2007," said Powell. "The budget for Iraq, beginning in the year 2005, will generate a surplus over operating costs of the government of roughly five billion dollars a year which can be applied to reconstruction efforts."
A large portion of the grant money came from Japan, which put up $1.5 billion for next year. The European Union pledged $812 million, Saudi Arabia one billion dollars, South Korea $200 million and Canada $230 million. — (menareport.com)
© 2003 Mena Report (www.menareport.com)
Top Headlines
- Japan makes $1.5 billion contribution to Iraq reconstruction effort
- International donors conference for Iraq ends with pledges of $33 billion
- Saudi Arabia pledges $1 billion for reconstruction in Iraq
- Donors, led by Japan, give $1 billion for Iraq reconstruction
- International Donor's Conference for Iraq convenes in Madrid


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He's Four Stories Tall and 18 Tons Of Cold, Hard Steel. So Who You Calling "Whimsical"?
Courtesy Reel FX Studios
"Traveling Man" artists Brad Oldham and Brandon Oldenburg got their first glimpses of their three finished sculptures through a train window yesterday, rolling into DART's new Deep Ellum Station on a Green Line test run.
This morning, they were good enough to send the above close-up of the largest piece, "Walking Tall," which is finished now at the corner of Good-Latimer and Swiss Avenues, along with the other two pieces nearby, "Waiting On A Train" and "Awakening."
The Traveling Man's no stranger to Unfair Park, and the construction's been well documented in DART time lapse videos, but we're including a few more shots courtesy of the Traveling Man's friends at Reel FX.
First up after the jump, though, a slice of video from yesterday's Green Line run, in which Oldenburg makes a brief appearance chatting up DART's Randall Chrisman.
"Traveling Man" co-designers Brad Oldham, left, and Brandon Oldenburg
"Walking Tall" seen from the side
A partly complete "Walking Tall" with electrical storm
Welding the Traveling Man's hip.
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My boyfriends birthday is coming up & I have a pretty good idea of what I want to get him •Diamond hoodie •Favorite alcohol •$100 tattoo gift card •Video game •Chocolate •Big stuffed bear I just wanted to make sure the bear isn't "lame" or "gay". Is it a cute idea to add in with all the other gifts?
- Good ideaVote A
- Bad ideaVote B
Most Helpful Girl
If those are things your boyfriend really loves then go for it! ^^ I'm sure he will love the work you put into getting all those things. ^^00|00|0


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Is speed dating worth it? What's it like? I am curious. I have never heard of anyone conducting speed dating in my area but I am curious about it all.
Most Helpful Guy
lol their has been some around. but its not as popular anymore to meet ppl. seems like people are using the social network to do that.
there's also websites that do the speed dating online instead... never actually used it lol. I prefer the old fashion. hey wsup. your # deal :p
up to u. gl00|00|0


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Multicultural Dynamics of Educational Change (Advances in Confluent Education) (v. 2)
Confluent education is the term for the integration of the affective, cognitive, and behavioral domains in education. Confluent educators have a rich 25-year tradition of developing theory and practice which recognize the centrality of the learner to the educational process. Around the world principles of confluent education have proven relevant in a variety of social contexts such as education, health services, law, industry, social services, the military, multicultural concerns, labor relations, and religion. This series is an essential addition to the libraries of those seeking to understand and facilitate human change through practical educational processes.
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Technical specifications & features
|388 g (13.7 oz)
|Made in
|Sri Lanka
|Mfg Sku/Part Number
|10-oz 100% polyester knitted fleece
|Hood Type
|No Hood
|Other Features
|• This is a Fair Trade Certified™ sewing product: Patagonia pays a premium for Fair Trade Certified™ clothing that workers can use to improve their communities and elevate their standard of living
• Made of bluesign® approved 100% polyester fleece with sweater-knit face, fleece interior and heathered overdye yarns
• Dyed with a low-impact process that significantly reduces the use of dyestuffs, energy and water compared to conventional dyeing methods
• Full-zip vest with zip-through stand-up collar
• Offset shoulder seams for pack-wearing comfort and long-lasting durability
• Zippered left-chest pocket; two zippered handwarmer pockets
• Shape-holding micropolyester jersey trim at armholes and bottom hem provides added abrasion resistance
• Flat-seam construction reduces bulk and helps minimize seam chafe; hip length
• Regular Fit
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Investors should require extra discounts before investing in the equity of commodity companies. Essentially, there is nothing to prevent competitors from undercutting them. Investors should be rational and only invest if these stocks are trading attractively low valuations.
Current Trends in Oil
The price of crude oil recently dropped to below $90 per barrel. The decrease is part of an ongoing, multi-month downward trend in oil prices. Current weakness in oil prices has been blamed on the euro zone crisis as economies continue to struggle in Europe and may speculate that the Euro will weaken relative to the dollar more than it has over the past two years. However, some analysts believe that the steady descent in oil prices may simply be a part of crude oil's ultimate demand destruction, a consumer response to the persistent high price of gasoline.
Will supply decline as well? The reported sales of crude oil were lower and oil companies have reported their oil supply is going down. Analysts reported that this week there should have been a gain in oil of several million barrels. Oil companies themselves point to the reduction of imports as an explanation for where the declining inventories. But others are more skeptical of achieving a balance between supply and demand. Summit Energy analyst Jacob Correll said, "Even though inventories fell, I don't think that's enough to overwhelm what's already going on in the market."
Understanding Profitability
Porter's five forces is a framework for assessing the profitability of an industry's firms. Industries whose firms have more bargaining power with customers, more bargaining power with suppliers, low rivalry between firms, few substitutes for their goods, and high barriers to entry tend to be more profitable.
Commodity industries are bad for profitability. Let's go through the five forces separately:
1) Rivalry of competitors. Commodity producers are rivalrous because their products are barely distinguishable and compete based on price.
2) Customer bargaining power. You either drive around to find the cheapest gas or you know someone who does.
3) Threat of new entrants. New competitors could spring up without any proprietary barriers to entry. If you want to manufacture iPhones you need permission from Apple (NASDAQ:AAPL). No permission is needed from any gas company if you want to produce petroleum products.
4) Supplier bargaining power. Suppliers like land-owners and skilled laborers can demand high prices. This may sound like a non-issue until you realize that as a shareholder, everyone who works for the company is diverting money from your ownership interests. When times are good salaries go up, and when times are bad it's hard to take them down.
5) Availability of substitutes. Consumers can buy cars with better mileage. Opting for a car with a 38 mpg engine instead of a 19 mpg engine allows consumers to cut their gas consumption by 50%. That's bargaining power. What's more, consumers can opt to carpool.
There is also the specter of high-pressure fracturing which haunts oil companies. This is a very scary supply shock, should natural gas-powered cars become popular.
Drilling for Value
The best investment among these candidates is Chevron (NYSE:CVX), which recently traded around $117 per share. The shareholders of this major integrated oil & gas industry large cap stock have enjoyed a 12.3% climb in price over the past year. Shares offer a dividend yield of 3.09% which is much higher than the 1.64% yield of the 10-year treasury bond. Future dividend payments are likely because the company pays out 0.24 of earnings as dividends, so earnings could drop considerably before dividends must be cut. At a value of 0.92, this stock trades at a fraction of the S&P price-to-sales average multiple. Chevron shares are valued at a compelling 8.68 price-to-earnings ratio, a value which is significantly lower than the 14.1 average of the S&P 500. The price-to-book multiple of this stock is 1.76, cheaper than the 2.05 S&P 500 average. The firm is also mostly equity financed, so the stock is solid financially.
According to Paul Sankey, a Big Oil analyst for Deutsche Bank, "We think it makes no sense whatsoever to be cash positive in this interest rate environment." And with $21 billion in cash on hand, Chevron is in a good position to acquire another company for growth. Chevron looks very solid internationally, but has some chalking up to do here in the U.S. in terms of shale acreage. While Chevron could acquire players like Hess (NYSE:HES), Apache (NYSE:APA), or Chesapeake (NYSE:CHK), I think it would be better served with more focused companies like Range Resources (NYSE:RRC), which has a heavy position in the Marcellus shale, or Continental Resources (NYSE:CLR), which is heavily rooted in the Bakken.
Investors can also find value in Exxon Mobil (NYSE:XOM) by buying shares near $91.50. The shareholders of this major integrated oil & gas industry large cap stock have seen a 9.9% rise in price over the past year. Shares offer a dividend yield of 2.49% which is likely dependable based on its 0.21 payout ratio. At a value of 0.85, this stock trades at a fraction of the S&P price-to-sales average multiple. Exxon shares are valued at a compelling 9.61 price-to-earnings ratio, a value which is significantly lower than the 14.1 average of the S&P 500. Shares trade at a 2.59 price-to-book ratio which is near the 2.05 S&P 500 average. The firm's low 0.1 debt-to-equity ratio reveals how the firm has an exceptionally strong balance sheet.
Exxon Mobil recently announced an agreement to buy Bakken assets in North Dakoa and Montana from Denbury Resources (NYSE:DNR). Exxon has agreed to pay $1.6 billion in cash, and an estimated 28 MMBoe proved developed reserves. Exxon will also receive an estimated 100,000 net undeveloped acres in the core of the Bakken/TFS play, along with 75,000 net undeveloped acres in the Tier 2 area of the Bakken. While Exxon will have to spend nearly $5 billion to develop these new assets, the quality is very high. I think Exxon will continue to look for new opportunities to acquire additional acreage.
ConocoPhillips (NYSE:COP) is not as compelling a value at $57. This stock's 1.07 price-to sales ratio is higher than both Exxon and Chevron. Its 11.04 price-to-earnings ratio is also higher than those of either stock.
Similarly, Occidental Petroleum (NYSE:OXY) at $86 per share does not match the value of Exxon or Chevron. Its 2.51% dividend yield is lower than dividend yields from either firm. Investors can buy more revenues per dollar from the S&P 500 since this index has a price-to-sales ratio of 1.29 while this stock has a much higher 2.88 ratio. Occidental shares are trading at 11.09 price-to-earnings ratio which is lower than the 14.1 average of the S&P 500 index but still higher than either Exxon or Chevron.
The "peak everything" scenario is great as a Hollywood movie premise, but does not justify bubble valuations. Instead, I consider cheap valuation as an investment criterion. Chevron and Exxon Mobil pass this test and are acceptable oil industry investment candidates.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Private Label Card Market Global Trends & Opportunities 2016-2020 New Research Report Now Available at MarketReportsOnline.com
MarketReportsOnline.com adds "Global Private Label Card Market: Trends & Opportunities (2016-2020)" report to its research store.
The report titled "Global Private Label Card Market: Trends & Opportunities (2016-2020)", provides an in-depth analysis of the global private label card market by value and by volume. The report also gives an insight of the global card market by value, by volume, etc. The report provides a regional analysis of the private label cards, including the following regions: US and Europe.
The report also assesses the key opportunities in the market and outlines the factors that are and will be driving the growth of the industry.
Complete report available at http://www.marketreportsonline.com/464585.html.
The competition in the global private label card market is dominated by Alliance Data Systems, JP Morgan Chase & Co, Wells Fargo & Co and Capital One Financial Corp. Further, key players of the private label card market are also profiled with their financial information and respective business strategies.
Country Coverage
- America
- Europe
Company Coverage
- Alliance Data Systems
- JP Morgan Chase & Co.
- Wells Fargo & Co.
- Capital One Financial Corp
Payment cards allow the card holders to make payments by electronic fund transfer. These cards are classified into credit cards and debit cards. The debit cards are cards in which the card holder directly transfers money from their bank account to make payment for the purchase. Credit cards are the cards issued by the banks, allowing the holder to purchase goods and services on credit. The credit cards are further classified into private label cards and other credit cards.
Purchase a copy of this Private Label Card research report at USD 800 (Single User License) http://www.marketreportsonline.com/contacts/purchase.php?name=464585.
Private label credit cards or store cards or proprietary cards are branded for a specific retailer or a manufacturer. The retailer can manage the cards in house or can be managed or issued by a third party processor, who in turn collects the payments from the card holders. Terms and conditions for private label cards are made by the contract between the retailer and the third party processor. Retailers prefer to have their own cards, thus enabling the consumers to shop at their stores. Private label cards are used in retail outlets, mostly to attract the consumers and giving them another reason to shop at particular stores. The private label cards, however, have a lower credit limit and a high interest rates.
The private label cards have different advantages to customers, to retailers and to business. The disadvantages of private label cards are high interest rates and harm to the credit score.
The private label card market is driven by rising global population, increasing urbanization, rewards and incentive programs, increasing mobile payments, increasing global GDP per capita and increasing retail sales.
Table of Contents
1. Executive Summary
2. Introduction
2.1 Payment Card Transactions and its Participants
2.2 Types of Payment Cards
2.3 Types of Credit Cards
2.4 Private Label Credit Cards
2.5 Advantages and Disadvantages of Private Label Card
3. Global Market Analysis
3.1 Global Cards Market: An Analysis
3.1.1 Global Card market by Value
3.1.2 Global Card Market by Installed Base
3.1.3 Global Card Market by Segments
3.2 Global Private Label Cards Market: An Analysis
3.2.1 Global Private Label Card Market by Share in Global Card Market (by Value)
3.2.2 Global Private Label Card Market by Installed Base
4. Regional/Country Analysis
4.1 America Private Label Card Market: An Analysis
4.1.1 America's Private Label Card Market by Share in the America's Card Market (Installed Base)
4.1.2 US Card Market by Payment Volume
4.1.3 US Cards Market by Segments
4.1.4 US Credit Cards Market by Segments
4.1.5 US Private Label Cards Market by Payment Volume
4.2 Europe Private Label Cards Market: An Analysis
4.2.1 Private Label Card Market by Share in Total Value of Cards
4.2.2 Private Label Card market as Share in Total Installed Base of Cards
4.2.3 Private Label Card Market by Share in Total Commercial Cards
5. Market Dynamics
5.1 Growth Drivers
5.1.1 Rewards and Incentive Programs
5.1.2 Increase in Mobile Payments
5.1.3 Rising Urbanisation
5.1.4 Increasing Global GDP Per Capita
5.1.4 Lower US Merchant Discount Rate
5.1.5 Increasing retail Sales
5.2 Challenges
5.2.1 Deferred Interest rates
5.2.2 Merchant Discount Rate for Private Label Cards
5.2.3 Regulatory Challenge
5.2.4 Tightening Card Market
5.3 Market Trends
5.3.1 Return to In-House Processing
5.3.2 Mobile as a Catalyst for Private Label Cards
5.3.3 Extensive Customer Data
5.3.4 Customer & Brand Relation
6. Competitive Landscape
7. Company Profiles
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'Dancing With the Stars: All-Stars' Recap: Final 3 Revealed After Perplexing Paula Abdul Performance (VIDEO)
It was our second to last heart-thumping night as we watched ABC's Dancing with the Stars: All-Stars eliminate two couples from the semifinal round. The double send-off left three couples who will battle for the Mirror Ball trophy on next week's finale.
At the bottom two going in to the results show were… More »


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"Eirena. Know that you possessed the greatest potential of all your sisters, and so I chose you. They gave their lives so that you could survive and fight in the most important battle to come. They did this willingly, and their sacrifice is not a burden, but a gift to you. Live. Fulfill the destiny for which I trained you, and for which your sisters died."— The Prophet(src)
The Prophet is a title (true name unknown) of an angel who has founded the Hand of the Prophet approximately 1500 years prior to the End of Days. To his followers, he appeared as a human, hiding his true identity.
The Hand of the ProphetEdit
The only source of information about the Prophet are Eirena's memories, as well as those of her other sisters. She tells the Nephalem upon their meeting that the Prophet found them as girls, saving her and her sisters from the curse of Vizjerei mages, and training them in magic. The Prophet, appearing as human, told them of the great danger coming in future, and after training, has put all the girls (except Lysa) in dreamless slumber, for them to awake when the time is right. When Eirena has awoken, the Prophet was nowhere to be found.[1]
Eirena spoke highly of the Prophet, worshiping and revering him. However, she also noted that he had a sense of humor, although she refused to tell the Nephalem what exactly was that hilarious thing he said about the future savior of humanity. She also noted that the Light of Seraphim emanates from Tyrael, just like the one she felt radiating from the Prophet, leading her believe that he might have been an angel as well.[2]
During her journey to the High Heavens, Eirena found a dying angel and received a scroll from him. The ancient script described the Prophet's plan to prepare human followers for his schemes, and confirmed her suspicions that he is, indeed, an angel, working on behalf of the Sanctuary in absolute secrecy.[3]
Reaper of SoulsEdit
As Eirena and the Nephalem progress through her storyline in Pandemonium, in a secret place, they find memories of other sisters of the Hand of the Prophet, as well as Lysa, who sheds light on the Prophet's true intentions. Foreseeing the future, the Prophet knew that only one of the Enchantresses (Eirena), being the strongest, will survive, to carry out his will, while the rest will give their lives for hers. Lysa refused to do so and betrayed the Prophet, but could not kill Eirena due to the binding spell.
After Lysa's death, the Prophet's voice reached to Eirena one final time.[4]
The Prophet's portrait is the same as that of Selathiel. One of the Legendary follower items is presumably named after the Prophet (or, probably, after his sisterhood).
- ↑ Diablo III, Act II
- ↑ Diablo III, Random Discussion (Followers)
- ↑ Diablo III, Act IV
- ↑ Diablo III, Act V


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Wellington institutions provide internationally recognised and transferrable qualifications and the opportunity to gain a relevant and future-focused education. A network of approximately 50 Wellington education providers work together to provide a complete study experience for students.
The National Certificate of Educational Achievement (NCEA) is the main national qualification for secondary school students in New Zealand. It is recognised by employers and is used as the benchmark for selection by universities and institutes of technology/ polytechnics. More information about NCEA is available here.


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This On
Week List Nonfiction
1 4 THE NO SPIN ZONE, by Bill O'Reilly. (Broadway, $14.) More political opinions from the host of the cable news program ''The O'Reilly Factor.''
2 54 SEABISCUIT, by Laura Hillenbrand. (Ballantine, $15.) A biography of the horse whose career culminated in a 1938 match race with War Admiral.
3 4 THE PIANIST, by Wladyslaw Szpilman. (Picador, $13.) A first-person account of survival in the Warsaw ghetto, covering the years 1939-45.
4 248 A CHILD CALLED ''IT,'' by Dave Pelzer. (Health Communications, $9.95.) The autobiography of a man who survived his mother's abuse. (+)
5 7 A MIND AT A TIME, by Mel Levine. (Simon & Schuster, $14.) A professor of pediatrics explores the learning patterns of children and the various ways in which adults can help them succeed.Continue reading the main story
6 9 THE SWEET POTATO QUEENS' BIG-ASS COOKBOOK (and FINANCIAL PLANNER), by Jill Conner Browne. (Three Rivers, $13.95.) Comic tales from the South, along with some pertinent recipes.
7 29 LUCKY, by Alice Sebold. (Back Bay/Little, Brown, $11.95.) A memoir by the author of ''The Lovely Bones'' in which she recounts being raped as an 18-year-old college freshman.
8 3 DON'T LET'S GO TO THE DOGS TONIGHT, by Alexandra Fuller. (Random House, $12.95.) The author remembers her African childhood.
9 1 ODD GIRL OUT, by Rachel Simmons. (Harvest/ Harcourt, $14.) A study of the secret lives of girls and the culture of female aggression.
10 6 *THE BEST DEMOCRACY MONEY CAN BUY, by Greg Palast. (Plume, $14.) A collection of articles by an investigative reporter.
11 15 FINDING FISH, by Antwone Quenton Fisher with Mim Eichler Rivas. (Perennial, $13.95; HarperTorch, $7.50.) From life in foster homes to experiences in the Navy to success in Hollywood: a memoir.
12 186 THE LOST BOY, by Dave Pelzer. (Health Communications, $10.95.) The author of ''A Child Called 'It' '' recalls his life in foster homes. (+)
13 5 WHAT WENT WRONG? by Bernard Lewis. (Perennial/HarperCollins, $12.95.) A scholar of Middle Eastern history examines the reaction of the Islamic world to being overshadowed by the West.
14 6 DREAMING WAR, by Gore Vidal. (Thunder's Mouth/Nation Books, $11.95.) The essayist and novelist lays siege to ''the Cheney-Bush junta.''
15 11 BIAS, by Bernard Goldberg. (Perennial/HarperCollins, $13.95.) A television journalist who worked at CBS for many years reports on ''how the media distort the news.'' (+)
This On
Week List Fiction
1 1 DADDY'S LITTLE GIRL, by Mary Higgins Clark. (Pocket Books, $7.99.) After the man convicted of killing her sister is paroled, an investigative reporter discovers new information about the murder.
2 2 THREE FATES, by Nora Roberts. (Jove, $7.99.) The great-great-grandchildren of a petty thief who survived the sinking of the Lusitania are determined to recover a small, priceless statue he took from the ship.
3 1 ABOUT FACE, by Fern Michaels. (Zebra, $7.99.) A Georgia woman who was institutionalized for 10 years searches for clues to her terrible past.
4 1 THE MURDER BOOK, by Jonathan Kellerman. (Ballantine, $7.99.) The psychologist-detective Alex Delaware probes the murder of a young woman.
5 1 UP COUNTRY, by Nelson DeMille. (Warner Vision, $7.99.) A Vietnam veteran looks into the mysterious death of an Army lieutenant three decades earlier.
6 3 THE NANNY DIARIES, by Emma McLaughlin and Nicola Kraus. (St. Martin's Griffin, $13.95.) A satirical look at rich and powerful New Yorkers through the eyes of an Upper East Side nanny.
7 5 BODY OF LIES, by Iris Johansen. (Bantam, $7.50.) A United States senator summons the forensic sculptor Eve Duncan to Baton Rouge, La., for the purpose of identifying the remains of a murder victim.
8 2 THE WAILING WIND, by Tony Hillerman. (HarperTorch, $7.99.) Sgt. Jim Chee and Joe Leaphorn, the retired Navajo tribal policeman, try to solve a homicide case involving a lost gold mine.
9 10 THE SECRET LIFE OF BEES, by Sue Monk Kidd. (Penguin, $14.) In South Carolina in 1964, a teenage girl tries to discover the secret to her mother's past.
10 2 THE PURSUIT, by Johanna Lindsey. (Avon, $7.99.) A Scotsman falls in love with a beautiful woman whose family is out to destroy him.
11 14 DREAMCATCHER, by Stephen King. (Pocket Books, $7.99.) In the Maine woods, four hunters encounter a disoriented stranger and an otherworldly creature.
12 1 DON'T LOOK BACK, by Amanda Quick. (Bantam, $7.50.) Lavinia Lake and Tobias March investigate the murder of a friend's beautiful wife.
13 6 ATONEMENT, by Ian McEwan. (Anchor, $14.) A chronicle of the disintegration of an English family's idyllic life.
14 16 THE SUMMONS, by John Grisham. (Dell, $7.99.) A law professor discovers more than $3 million in cash in his father's study.
15 22 THE HOURS, by Michael Cunningham. (Picador USA, $13.) The lives of two modern American women, coping with demands of family and friends, converge with the life and work of Virginia Woolf.
This On
Week List Advice, How-to and Miscellaneous: Hardcover
1 11 ATKINS FOR LIFE, by Robert C. Atkins. (St. Mar-tin's, $24.95.) A physician's program for finding one's ideal weight and maintaining it. (+)
2 12 THE PURPOSE-DRIVEN LIFE, by Rick Warren. (Zondervan, $19.99.) Finding the meaning of life through God. (+)
3 4 THE POWER OF FULL ENGAGEMENT, by Jim Loehr and Tony Schwartz. (Free Press, $26.) How to manage one's energy at work and elsewhere. (+)
4 4 THE GET WITH THE PROGRAM! GUIDE TO GOOD EATING, by Bob Greene. (Simon & Schuster, $24.) Four steps to healthy eating. (+)
5 17 THE POWER OF NOW, by Eckhart Tolle. (New World Library, $22.95.) A guide to personal growth and spiritual enlightenment. (+)
This On
Week List Advice, How-to and Miscellaneous: Paperback
1 306 DR. ATKINS' NEW DIET REVOLUTION, by Robert C. Atkins. (Quill, $13.95; Avon, $7.99.) Ways to lose weight and achieve a healthy body. (+)
2 3 TRADING SPACES: BEHIND THE SCENEs. (Meredith, $19.95.) A scrapbook devoted to the Learning Channel reality show, complete with decorating tips.
3 1 CHICKEN SOUP FOR THE MOTHER AND DAUGHTER SOUL, compiled by Jack Canfield, Mark Victor Hansen et al. (Health Communications, $12.95.) Inspiration. (+)
4 126 WHAT TO EXPECT WHEN YOU'RE EXPECTING, by Heidi Murkoff, Arlene Eisenberg and Sandee Hathaway. (Workman, $13.95.) For parents-to-be. (+)
5 140 RICH DAD, POOR DAD, by Robert T. Kiyosaki with Sharon L. Lechter. (Warner, $15.95.) Teaching one's children how to get rich and stay rich.
Rankings reflect sales, for the week ended April 5, at almost 4,000 bookstores plus wholesalers serving 60,000 other retailers (gift shops, department stores, newsstands, supermarkets), statistically weighted to represent all such outlets nationwide. An asterisk (*) indicates that a book's sales are barely distinguishable from those of the book above. A dagger (+) indicates that some bookstores report receiving bulk orders. Expanded rankings are available at The New York Times on the Web: nytimes.com/books.Continue reading the main story


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Watch These Dogs Saying 'I Love You' — Daily Distraction
Sit. Shake hands. Roll over. Express your deepest emotions about me in a concisely worded phrase.
Sit. Shake hands. Roll over. Express your deepest emotions about me in a concisely worded phrase.
German Shepherds are my favorite breed so the new show on National Geographic Wild is perfect for me. 'Alpha Dogs' is a great show if you like to watch people being taken down by trained dogs. For some reason I get satisfaction out of watching a drug sniffing dog do his job.
Never seen a Scottish terrier puppy pinwheel? It's a mesmerizing sight.
I was once told there are Elvis people, and there are Beatle people... you can like both, but you know that you like one more than the other... same with Cats and Dogs.
Dogs have loved sticks since the beginning of time. That's just a scientific fact.
Here is a sad but sweet story that hits close to home for me. It's about a dog named Lennox that lived like a boss, and his last meal was fit for such a great dog.
With all the trouble human beings have working together these days to get anything done—have you watched the news lately?—it's nice to see two different species getting along so well to achieve a simple goal.
This is a great story for anyone that has ever experienced the unconditional love and devotion of a dog. This dog is so loyal to his owner, that he has continued to go to mass at the church where her funeral was held months ago. Read the details.
In the battle of dog versus orange, we might have to declare that this one goes to the latter.
We're huge suckers for anything involving puppies, like skateboarding Santa dogs or Star Wars pups. (Come on-- how could you not be?!) We're equally obsessed with anything in miniature form. So what happens when the two are combined? Holy moly cuteness, that's what!
Snow is one of the greatest inventions of good ol' Mother Nature. Sure it can be a pain sometimes, but the stuff is also really cool! Take making awesome snowmen, for example. Can you do that with rain? Wind? Sunshine? No, because snow rules.
Historic enemies, cats and dogs have, in the YouTube era, been caught in the act ... of friendship.


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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!
He is an emotionally and sometimes physically abusive man and He controls the income and won't file for divorce because he wants me to do it, knowing i have no income and can't afford an attorney. I need help! What can I do to get this started immediately??
If one spouse controls all the money a court will usually require that the spouse with the money pay the legal costs of both parties in a divorce. You should consult with an attorney and discuss your situation in detail.Ask a similar question
Clontact several lawyers in your area (you can do it through the bar association) and ask for the names of divorce lawyers who will take your case without an advance retainer. The attorney can then get his;her fee paid by making a pendents lite motion for fees and expenses.
Most attorneys will require some retainer from you, and then make a pendente motion to recover those fees for you.
Call your bar association, and get the ball rolling.
Good luck!
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Sony Ericsson Live with Walkman Discussions
How powerfull is the sound?
Joe (unregistered) 04 Oct 2011, 06:48 posted on 0 0
hi phonearena,
do you have more specific spec for the Maximum Power Output for this phone?
Sony Digital Media Players have 16ohms/mW for max power output.
The average 3.5mm jack earphones have 16ohms impedance,
sennheiser MX170 has 32ohms impedance which means you need a headphone amplifier to power it up.
and how about this new Walkman phone?
and compare to Xperia max power output which is better?
posted on 26 Nov 2011, 16:59 1
1. modux (Posts: 1; Member since: 26 Nov 2011)
i bought this phone recently, i can't detect the max power but i can say it's good so far. I can hear it in a very crowded bar or cafes.
posted on 01 Feb 2012, 08:13 0
2. alvinangcutemo (Posts: 1; Member since: 01 Feb 2012)
is it goog to buy live than samsung mini?
posted on 19 Mar 2012, 15:11 0
3. eddietrue (Posts: 2; Member since: 19 Mar 2012)
alvinangcutemo of course this smartphone is much better than the samsung mini
posted on 22 Apr 2012, 04:35 0
4. mightyvk (Posts: 12; Member since: 14 Mar 2012)
is this cell phone good to buy???????
plz tell me....................
How powerfull is the sound? discussion about Sony Ericsson Live with Walkman


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I love WSOP. I play stupid but I'm gonna start playing really smart right now. I have much FUN! THANKS SWOP. I've been playing for about a year now and I see you really have to read your players. Being in SWOP is really gonna help me become a better player.
The best
Posted by StephenEPenning Tags: Tips & Tricks 0 Comments


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All Android applications categories
Enjoy all the excitement at the 2013 Dubai International Motorshow. Rotate your phone to view the Ford display map. See what vehicles and experiences are at the show and where you can find them on the display.Use this App to enter and experience our 4D mobile interactive game.
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UMSL College of Education Students Network for Potential ASAP Employment Opportunities
University of Missouri-St. Louis (UMSL) College of Education students learned about job opportunities with ASAP's six providers that serve more than 2,300 students at 29 after school locations at a job fair on September 4, 2014. By working at an ASAP program, instead of a traditional part time job in retail or food service, UMSL COE students will gain real life career and educational experience. ASAP's program staffs, students, and parents will benefit from the student's coursework at UMSL COE related to best practices in early childhood and K-12 education.
ARCHS and UMSL's College of Education formed a partnership earlier this year that provides students with the opportunity to secure part-time employment at an ASAP program site for the 2014-2015 school year.
Read more: UMSL College of Education Students Network for Potential ASAP Employment Opportunities
Two ASAP Programs to Enhance Science Learning with Monsanto Grants
ASAP students at Laclede and Mann elementary schools are using grants from Monsanto to create evidence-based solutions that promote science for after school students.
This month, Monsanto presented the two ASAP programs with $1,000 Dannette Ward Science Education grants. The grants will be used to complete an outdoor ecosystem at Mann Elementary, and will assist Laclede Elementary with a school-wide science fair that takes place during the after school hours.
"The funds will be used to emphasize science education, highlight collaboration between the school and the ASAP after school programs, as well as a recruitment tool to show students the kinds of fun and educational activities that take place in after school programs," said Gloria Hampton, Director of After School Programs at Neighborhood Houses.
Founded in 2007, ASAP is a community effort to increase the quality and access to after school programs in the Greater St. Louis area. More than 2,200 students are served through ASAP each year.
Read more: Two ASAP Programs to Enhance Science Learning with Monsanto Grants
Partnership with UMSL College of Education to Benefit After School Programs
ARCHS and the University of Missouri-St. Louis (UMSL) College of Education (COE) have launched a new partnership that will provide UMSL COE students with the opportunity to secure part-time employment at an After School for All Partnership (ASAP) program site during the 2014-2015 school year.
At the ASAP Employment Resource Fair on April 28, 2014, UMSL COE students networked with ASAP's six providers that serve more than 2,300 students at 29 after school locations. By working at an ASAP program, instead of a traditional part time job in retail or food service, UMSL COE students will gain real life career and educational experience. ASAP's program staffs, students, and parents will benefit from the students' coursework at UMSL COE related to best practices in early childhood and K-12 education.
After School Students Benefit from New Partnerships
ARCHS has formed new partnerships with the Girl Scouts of Eastern Missouri and Saint Louis University to enhance the quality of programming in its After School for All Partnership for St. Louis (ASAP) students.
Girl Scouts' BFF Program
The Girls Scouts are currently turning ASAP students into leaders through its character development curriculum, "Be a Friend First" (BFF), at five after school sites. BFF is an eight-week program created to help girls develop healthy relationship skills, understand relational aggression, and learn about conflict resolution and bullying prevention.
"After school programs are a great forum to reach girls for non-formal instruction. One of the aims of ASAP is to build student social and life skills and develop character," said Michelle Johnson, Grant Programs Manager for the Girls Scouts of Eastern Missouri.
Johnson believes BFF not only builds character, but it also helps strengthen self-confidence, identifies bully exclusive behaviors, teaches how to resolve conflicts peacefully and constructively, builds trusting relationships with classmates, and helps girls to feel empowered to create a culture of peace.
"Girls will work on a project of their own design to address bullying in their school and this kind of taking action is key to Girl Scouts -making the world a better place," Johnson said.
The program, which is based on the Girl Scouts national leadership curriculum, is currently being taught at ASAP after school sites at Adams Park Community Center, and Dunbar, Fairview, Hanrahan, and Mann elementary schools.
Saint Louis University's "1,000 Tickets Initiative"
ASAP after school students are going blue for winter through a new partnership that is providing tickets to Saint Louis Billikens men's basketball games.
Saint Louis University's "1,000 Tickets Initiative" reaches out to community organizations, and donates tickets to home basketball games at Chaifetz Arena
Read more: After School Students Benefit from New Partnerships
Special Feature: 6th Anniversary of ASAP
Since 2007, the After School for All Partnership (ASAP) has improved access to, and the quality of, after school programs across the St. Louis region. ARCHS has partnered with schools, faith-based/community organizations, and public/private funders to help lead this effort that annually serves more than 2,800 students.
Recently, ASAP has teamed up with such leading area organizations as the St. Louis Rams, Monsanto, and OASIS, to bring enhanced learning opportunities to students. Here is a summary of ASAP's 2012-2013 school year results:
- 7,362 academic support/enrichment activities
- 5,294 social and life skills activities
- 6,110 health and recreation activities
- 4,558 character development activities
- 896 parent and family involvement activities
Student Feedback:
- 86% of youth reported positive academic success
- 84% of youth reported positive life skills/choices & core values
- 90% of youth reported they enjoy exercise and recreation
Teacher/Staff/Parent Feedback:
- 93% of teachers, staff, and parents reported youth show academic improvements
- 98% of ASAP staff reported they will apply what they learned from ASAP's quarterly professional development trainings
- 95% of ASAP staff reported they learned new information from ASAP's quarterly professional development trainings.


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Change for Me is a multifaceted program designed to educate and empower participants to make the changes necessary to lead a more fulfilling life. The interactive program guides participants through the three steps of creating a happier, more meaningful way of living.
The program addresses the following stages:
Change for Me challenges individuals to look inwards to determine what motivates, assists and obstructs them from fulfilling their potential and being the person they want to be.
Change for Me takes place at your school, sporting club, community or corporate organisation and is free of charge to non-profit organisations.
Depending on the needs of the organisation, the program can be delivered as a half-day program or as three x 75-minute stand-alone workshops.
Contact Love Me Love You for any enquiries or to book your Change for Me workshop.
Love Me Love You presents our Annual Ride with Me for youth mental health for 2017. A two-day cycling event to raise awareness, funds and to challenge cycle fans.Read More


text: New Hustler Mini Z just bought, and I'm wondering how much I should demand from dealer... - 3 hours logged on engine and it just stopped: carb needle valve apparently stuck resulting in no start, gas smell coming out exhaust. after a couple cranks, engine appeared to seize when trying to start. - Dealer came out to house next day and mower started. I logged a couple more hours on mower and it happened again (engine just killed), this time I noticed gas *pouring* out exhaust when attempting to start and also gas in oil. Most likely gas was in oil when I was mowing that day for two hours. - Dealer has mower and will "fix it". QUESTION: Has permanent damage possibly been done? - engine appeared to seize, perhaps scoring cylinder walls (vapor lock?). - Engine ran for a couple hours, undoubtedly with gas in oil. - Should dealer just check compression? How will I know it's OK? Thanks!