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Culture, not faith, is the key to continuity
A leading Liberal rabbi disputes the suggestion that British Jews are growing more religious
The Story of the Jews, David J. Goldberg, Andre Deutsch, £35
Last week, the JC summarised the findings of the largest-ever survey of UK Jewry. The results broadly confirm my own amateur observations, based on over 40 years in the Progressive rabbinate.
In the concluding chapter of my new book, The Story of the Jews (an unfortunate title choice by my publishers 18 months ago, since when Simon Schama has made it his own with his brilliant TV series), I write that: "the most noticeable change of all since the French Revolution ushered Jews into the modern world, has been the decline in religious belief. Jews today are overwhelmingly secular. Despite the missionary zeal of Chasidic sects and the fecund birth-rates of ultra-Orthodox groups, they represent only 10 to 15 per cent of Jewry in Israel and the diaspora.
"For the other 85 per cent, the Jewish religion is no longer the all-embracing amalgam of faith, practice and conduct that it used to be. It is now a matter of pick 'n' mix selection… from the broad spectrum of traditions, customs, shared folk memories, rituals of collective memory and family observances that make up being Jewish… Nowadays, the practice of Judaism is subsumed under Jewish Culture, just one aspect of it; you don't have to believe to be Jewish."
That is why I query the suggestion in the report of the survey from the Institute for Jewish Policy Research that under-40s are frummer than older generations. Certainly, they practise more customs and sport identity markers like kippot and Chai medallions in public. But that is behaviourism, not faith; when a core belief like the great, mighty all-seeing and all-knowing God of the Torah and prayer book is no longer meaningful for the vast majority of modern Jews, they resort instead to ritualism and gesture – displacement activities.
Even that 52 per cent of the survey's respondents who claimed that belief in God is "very" or "fairly" important, take refuge in woolly imprecision – a sense of wonder at Nature, the still, small voice of conscience, the divinely inspired genius of Mozart, a universe too intricately intermeshed not to have a guiding force behind it – when pressed to define why they believe.
The same collective conformity is at work in my own branch of Liberal Judaism, formerly austerely intellectual, with ritual kept to a minimum. In a typical Liberal synagogue today, there is so much bobbing and bowing before the Ark and hugging and kissing of the Sefer Torah to happy-clappy guitar accompaniment, that a casual visitor might imagine that he had wandered into a transplanted Polish shtiebl from 200 years ago.
There are two conclusions of long-term significance from the JPR survey. Firstly, Jews under 40 rate commitment to social justice above support for Israel. That is hardly surprising when Israeli retention and colonisation of the West Bank sits uneasily alongside ideals of tolerance, equality and multiculturalism imbibed from childhood by every Western-educated Jew. A similar disenchantment has been noted among young American Jews. Automatic Israel-right-or-wrong loyalty cannot be taken for granted in the next generation, which feels greater responsibility to behaving morally and remembering the Holocaust.
Secondly, whereas the Charedi/Orthodox grouping has increased in numbers (with all those children per family they would, wouldn't they?), the category of UK Jews who classify themselves as cultural/secular has risen steeply from 15 to 24 per cent.
As the report says, we are witnessing a "shake-out of the middle ground". The religiously affiliated, whether belonging to the United Synagogue, Reform, Liberal or Masorti, are being squeezed by fundamentalism on the one side and secularism on the other.
To my mind, the current prominence of ultra-Orthodoxy is a passing phenomenon. If ever the light of modernity were allowed to shine on its self-imposed, self-perpetuating medieval world, followers would defect in droves, as they did after European emancipation and it would revert to being a quaintly atavistic sect, like the Amish or Jehovah's Witnesses.
The message for non-fundamentalist branches of Judaism is clear. Cultural Judaism is the key to Jewish continuity. Already, it is only a bar-mitzvah that brings worshippers to Shabbat services in any numbers; attendances on second and last days of festivals are derisory. Unless mainstream synagogues learn to accept and incorporate into their activities all manifestations of Jewish culture in its infinite variety, both religious and secular – rather than parroting empty prayers to the God of Abraham, Isaac and Jacob that few Jews any longer believe in, or insisting on arcane definitions of who is a Jew when nowadays being classified as Jewish is a matter of voluntary self-identification - then the next major survey of UK Jewry will be asking: 'Where have all our synagogues gone?'
- National community survey: Orthodox and secular...
National community survey: Orthodox and secular...
- Survey: Under-40s emerge as frummest group
Survey: Under-40s emerge as frummest group
- Survey: Mainstream is on the retreat
Survey: Mainstream is on the retreat
- Art school apologises after student hangs swastika
Art school apologises after student hangs swastika
- Rabbi is targeted 'every week'
Rabbi is targeted 'every week'
- A young heroine's lon...
A young heroine's lon...
- Inside the IDF's all-woman battalion
Inside the IDF's all-woman battalion


text:
Win $120 / €110 / £100 weekly in our virtual betting game sponsored by Bet365. PLAY NOW!
Welcome to the new matchstat.com, with pro tennis stats, information and a network of likeminded tennis fans.
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subset: commoncrawl


text:
SPRINGFIELD--One day after holding their largest camp ever in St. Louis, the Missouri Tigers were in Springfield to hold the second of their three camps. On an unusually Mild day (by June standards), the Tigers welcomed their largest crowd to JFK Stadium and PowerMizzou.com was there to cover all the action.
Tiger Legacy continued
By now, it's no secrect that Tulsa (OK) Lincoln Christian LB Cody Wilson is the son of former Mizzou center Curtis Wilson. The younger Wilson was in attendance Monday for the camp and definitely stood out amongst the linebackers. While the players were going through drills, PowerMizzou.com had a chance to talk briefly with the elder Wilson about his son as well as his feelings on his alma mater.
Article Continues Below
"We didn't want to miss the chance to meet the coaches and work out for them," said Curtis Wilson. "I want to see Cody happy, so I'm going to let God set his path, wherever that is. It would be an incredible honor if Cody was able to play at Missouri. He was born there. It'd mean so much to everyone."
"Whatever happens, I couldn't be more excited for Missouri," said the elder Wilson. "Things weren't this good when I was there, but seeing the camp just shows how far things have come. Regardless of how things go with Cody, I'll always bleed black and gold."
Talent arrives from out of town
Along with Wilson, one of the more impressive prospects in attendance was Owasso, Oklahoma's Gavin Howard. The 6-foot-5, 276 pound Howard was happy with his camp and said he was in attendance to show his skills to the coaches in hopes of seeing more attention come from the Tigers.
Another prospect in town was Olathe (KS) North's Kevin Young. Young checked in at 6-foot-4 and 230 pounds. Young also said he was excited to have jumped 35 inches in his vertical and said that he hoped to add the Tigers to his offer list, which already sits at 6.
"I want to prove to the coaches that I'm worth an offer," said Young. "All I want to do is prove that I'm good enough to do anything I go after."
Young also plans to be in attendance again tomorrow in Kansas City at the Tigers next camp.
Local Talent steps up
Not to be outdone, Alex Sanders from Springfield's Glendale High School measured in at a solid 6-foot-4 and while listed at tight end, actually spent more time with the wide receivers. During receiving drills, Sanders put on a solid display of one of the better sets of hands in attendance. Sanders already has an offer from Missouri State and said that he hoped his performance would get even more colleges to notice his skills.
The Tigers had a Springfield record 115 prospects in attendance, nearly 20 more than their previous record. Following two record-setting days in St. Louis and Springfield, the Tigers move on to Kansas City for their third and final one day camp Tuesday. PowerMizzou.com will be in attendance once again to cover all the action of the camp.


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On Saturday, March 14th, join DonateMyDress.org and meet celebrity spokesperson, Twilight star Ashley Greene from 1 - 4 PM at Saks Fifth Avenue (Fifth Avenue and 50th Street) in Manhattan.Read more event details over at Twilight Lexicon.
Ashley will be at Saks Fifth Avenue on Saturday March 14th from 1-4PM to meet fans who donate a gently worn prom or special occasion dress. Enjoy a 20% discount on a new dress purchase as a thank you for your donation, plus, receive personalized hair, makeup and shopping tips. 100% of donations to go to local dress drive chapters in the DonateMyDress.org network.
P.S. DonateMyDress.org sounds amazing; according to its website, DonateMyDress.org is the first national campaign designed to encourage girls around the country to donate their prom and special occasion dresses to those who cannot afford to finance the costly experience of going to their prom on their own.
P.P.S. You can read about Taylor & Ashley's prom experiences here.


text: Was at Goose Pond again today....lot of activity today with birds and birders, both in good numbers. Species seen today: Tundra Swans Canada Geese Cackling Geese (numerous) Greater White-fronted - 128 counted...but still coming in when I left and probably missed several mixed in with the mass of Canada Geese. Green-winged Teal (FOY) Redhead Canvasback Ring-necked Ducks Ruddy Ducks Bufflehead Wood Duck (1) Pintails Northern Shoveler Mallards Other birds: Northern Harrier Ringed-bill Gull Ring-necked Pheasant (FOY) Sandhill Cranes Killdeer Also had 3 Canada Geese with Orange Neck Collars...couldn't get any numbers between problems with distance and wind. One other sighting from yesterday...DM and I Ponds in Dane Co...a single Trumpeter Swan. Lester Doyle Part of the University of KY "BIG BLUE NATION" -- GO CATS! Lodi/Harmony Grove Columbia Co. #################### You received this email because you are subscribed to the Wisconsin Birding Network (Wisbirdn). To UNSUBSCRIBE or SUBSCRIBE, use the Wisbirdn web interface at: http://www.freelists.org/list/wisbirdn To set DIGEST or VACATION modes, use the Wisbirdn web interface at: http://www.freelists.org/list/wisbirdn Visit Wisbirdn ARCHIVES at: http://www.freelists.org/archives/wisbirdn


text:
This product is no longer available.
You can try these similar gifts instead.
Minnesota Twins Light Up Snowman Ornament
Sure, winter isn't the traditional baseball season. But in their home, the sport is never to far away from anyone's mind. This ornament is for a person who roots for the Twins all year round. It will light up their holiday.


text: I have always liked dm drogerie markt's brand Balea. It's affordable (actually quite cheap) and also cruelty-free (that always makes me happy:)). And mostly quite good. Just like with any cosmetic brand with low prices, there are great stuff and there are not so great stuff. At least that is my opinion and I noticed this with almost every brand that makes me say: This is so cheap, I better take two! For example, I love eyeliners, nail polishes and lip liners by Essence Cosmetics, foundations, primers, powders and eyebrow shades by Catrice Cosmetics … and I have learned what fits me through years of trying out different make up. I was immediately attracted to Balea because of – PRICES! 😀


text:
NEW YORK, Oct. 15 (UPI) -- DreamWorks is turning its successful film "Shrek" into a Broadway musical, the New York Times reported Friday.
Studio officials announced Thursday it had signed "Avenue Q" director Jason Moore and relatively new playwright David Lindsay-Abaire to the project.
Sam Mendes, veteran film and theater producer who is heading up the musical for DreamWorks, said he will name a composer soon.
Although Moore received a Tony nomination for "Avenue Q," "Shrek" will be the director's biggest undertaking to date.
"There's a supreme challenge in bringing an animated world to the stage and making it theatrical. But what's so wonderful about 'Shrek' is that anarchic attitude placed in a fairy tale world that I think will thrive onstage," he said.
"Shrek" is Lindsay-Abaire's first Broadway play after success on off-Broadway productions of "Kimberly Akimbo" and "Fuddy Meers."
The musical tentatively is scheduled to debut in 2006 for an out-of-town showing followed by a move to Broadway, the Times said.


text:
New rules from government-controlled All-China Lawyers Association demand
awyers to be wary of foreign media contact
Copyright The South China Morning Post
Friday, May 19, 2006
Beijing — Mainland officials have announced curbs on lawyers who
represent protesters and warned them to beware of contact with foreign
organisations and media.
The All-China Lawyers Association, a government-controlled body that
regulates the profession, issued a "Guiding Opinion on Lawyers Handling
Mass Cases".
The rules demand that lawyers who take on "mass" cases brought by
protesters and other groups of 10 or more should report the cases to
association and "accept the monitoring and guidance of the judicial
administration agencies".
The association said the rules were needed to ensure that sensitive
disputes did not threaten social stability.
"Mass cases often involve complex social, economic and political causes
and have a varied impact on the state and society that cannot be
said the rules posted on the association's website,
"Therefore, there is a need to regulate and guide lawyers who handle
Early this year, the Ministry of Public Security said there had been
87,000 protests, demonstrations and other "public-order disturbances"
year, a rise of 6.6 per cent on 2004.
Growing numbers of aggrieved citizens had raised their claims in court,
helped by a small but growing band of full-time rights campaigners,
Xu Zhiyong , a Beijing law professor who often represents citizens
government officials and police.
"This imposes a new obligation on lawyers to report these cases, and
may attract problems and pressure," he said of the rules.
The new rules also warn lawyers not to help organise or participate in
mass petitions to government and Communist Party offices, and warn
contact with foreign organisations and media. They must show a "high
of social responsibility".
CHINA: Warning to lawyers handling protest suits
The South China Morning Post
New rules from government-controlled All-China Lawyers Association demand


text:
Overview Incidence Risk Factors Symptoms Evaluation Treatment questions for doctor specialist Home Care warning signs Outlook Complications Underlying Cause Anatomy
Polycystic Ovaries Complications
Complications of polycystic ovary disease include:
Continue to Polycystic Ovaries Underlying Cause
Last Updated: Feb 9, 2011 References
Authors: Stephen J. Schueler, MD; John H. Beckett, MD; D. Scott Gettings, MD
Copyright DSHI Systems, Inc. Powered by: FreeMD - Your Virtual Doctor
PubMed Polycystic Ovaries References
- Lakhani K, Prelevic GM, Seifalian AM, Atiomo WU, Hardiman P. Polycystic ovary syndrome, diabetes and cardiovascular disease: risks and risk factors. J Obstet Gynaecol. 2004 Sep;24(6):613-21. [16147598]
- Scarpitta AM, Sinagra D. Polycystic ovary syndrome: an endocrine and metabolic disease. Gynecol Endocrinol. 2000 Oct;14(5):392-5. [11109980]
- Solomon CG. The epidemiology of polycystic ovary syndrome. Prevalence and associated disease risks. Endocrinol Metab Clin North Am. 1999 Jun;28(2):247-63. [10352918]


text:
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The Nike Select Revolution Lightweight Woven Jacket strips away excess bulk and weight for the lightest soccer jacket Nike has ever made.
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text:
Originally Posted by lattie11581
Wasn't trashing the bottom entry at all. I like it for ease of hitting that sweet spot first time go. I also enjoy reaching out the zipper side to grab things in the night ("go jug", extra sweater, whatever is next to my hammock but not in with me, coffee in the morning to.. Shug style )
I have the best of both--bottom entry with a 2QZQ mod 1. I can unzip anywhere on the head to elbow portion of the hammock and reach for stuff or adjust the underquilt.
Keep movin', keep believing and enjoy the journey!
Forum Rules
vBulletin Skins by Bluepearl Skins


text:
9 It was symbolic for the present time in which both gifts and sacrifices are offered mwhich cannot make him who performed the service perfect in regard to the conscience—10 concerned only with nfoods and drinks, ovarious 2washings, pand fleshly ordinances imposed until the time of reformation.
11 But Christ came as High Priest of qthe good things 3to come, with the greater and more perfect tabernacle not made with hands, that is, not of this creation. 12 Not rwith the blood of goats and calves, but swith His own blood He entered the Most Holy Place tonce for all, uhaving obtained eternal redemption.


text:
SAMOA-L ArchivesArchiver > SAMOA > 2008-07 > 1216672601
From: Manaia Alofa <>
Subject: [Samoa] Miss Samoa 1997: Verona Lovel Tapu Ah Ching - Parker
Date: Mon, 21 Jul 2008 13:36:41 -0700 (PDT)
Profile: Verona Lovel Parker (neé Tapu Ah Ching)
Village: Vaivase-uta
Date of Birth: 21 October, 1976
Place of Birth: Auckland, New Zealand
Parents: Father: Fonoivasa Lolesio Ah Ching
Mother: Seiafi Tai Amiatu
Year you were crowned Miss Samoa: 1996-1997
Where was it held? Maota o Tina, Sogi.
You were sponsored by? Ollie Aita- Vinesse Creations
What were some of the highlights of the evening? (Why was it so special)
"Standing in front of the audience that I knew were either rooting for me or wishing me off the stage and realizing that weeks of preparation was all for this night- a chance in a lifetime not only for me but for all the girls who were competing".
Did you dedicate this win to someone? Who was it, and why?
"My Grandmother—'Sapeseta Tapu'". " She was my inspiration to achieve the higher things in life- winning the Miss Samoa and Miss South Pacific titles were a few of those things".
What were some of the highlights during your reign?
"The knowledge and experience that I inherited of my Samoan culture was put to the test during my reign as I travelled the world to promote and represent Samoa.
"Perhaps the most challenging and rewarding, was the opportunity to be aware of issues existing within Samoa itself and making a contribution in any way possible and being involved in committees such as:
· The National Beautification Committee(Environment)
· The Rotary Club(Social & Charity)
· Suicide Awareness
What do you do at present? (Business, studying, working etc.)
" I am currently studying Media and Tourism at Massey University in New Zealand, managing the family business with my husband (Justin Parker) and nurturing my beautiful 8 month old daughter, Lovel Mesepa".
How do you see the Miss Samoa Pageant benefiting young Samoan Women today?
"I see this pageant as one of the gateways available for women not just as a promoter of beautiful women, but also an acceptance by the people of women's intelligence, confidence and ability to be the best at what they can achieve".
What is your most valuable advice to young Samoan women in today's changing Samoan community?
" Our small country has come a long way in it development to be the way it is today. Some things may still be the same but a lot has changed. One thing I have noticed is that women have nothing holding them back in pursuit of their dreams, perhaps it is motherhood, a career woman in any field or maybe it's both"." I would advise you ladies that changes in this life does not make you but it is what you make of those changes that can affect you".
[SAMOA Admin]
This thread:
|[Samoa] Miss Samoa 1997: Verona Lovel Tapu Ah Ching - Parker by Manaia Alofa <>


text:
Senator Foley's Legislative Highlights for the Week of June 21, 2010
Senator Brian X. Foley (D – Blue Point) sponsored eleven pieces of legislation that passed the senate this week.
"This week has been one of the busiest legislative weeks during this session," said Senator Foley. "The senate has been meeting well into the nights in order to ensure that these pieces of legislation get passed. The bills that I have been able to get passed this week will help to reduce the energy consumption of homes in New York, ensure that residents of communities not easily accessible are able to receive timely medical care, continue to provide recreational opportunities for residents of all ages, protect residents who receive public housing assistance, provide small businesses with a tax credit for fees paid to the SBA, and honor a Long Island resident who lost his life in service to our country. In total, this legislation will help to make lives a little easier for our residents while ensuring that we are taking steps to protect our environment."
Three pieces of legislation were aimed at updating the state energy conservation construction code. The first, Senate Bill 6912-A, provides for a state energy code for new residential construction. The legislation, which will be enforced to achieve a compliance rate above ninety percent, requires that new residential construction must achieve a score of at least 84 on the Home Energy Rating System (HERS), indicating that the home is at least 20% more efficient than a similar home built to conventional standards. The second bill, Senate Bill 8315, is a chapter amendment to Senate Bill 6912-A that will change the effective date of the updates to the energy conservation code. The final bill, Senate Bill 8281 or Governor's Program Bill 6, updates the state energy conservation construction code to address the requirements of the American Recovery and Reinvestment Act of 2009. The legislation requires that the state code meet or exceed the International Energy Conservation Code and meet or exceed the ASHRAE Standard.
Two bills amend the Banking Law in relation to licensed lenders and cashers and bank holding companies. The first, Senate Bill 3727-B, amends the banking law in relation to licensed lenders, licensed cashers of checks, sales finance companies, premium finance companies, budget planners and transmitters of money. The legislation modernizes the banking law through technical changes that are needed to clarify the law. The second bill, Senate Bill 7446, amends the banking law in relation to bank holding companies. The goal of the legislation is to simplify and streamline the application of the bank holding company provisions by eliminating the requirement that a company obtain prior approval of the Banking Board to own or control two or more banking institutions with principal offices in New York State.
There are also bills aimed at helping two Long Island towns. Senate Bill 5950-B authorizes the Town of Brookhaven to establish a special improvement district for a medical facility for the Fire Island Pines community. The only access to this summer community is by ferry or private boat. The establishment of a special improvement district will help to ensure that Emergency Medical Services are readily available. The cost will be spread throughout the community. Senate Bill 7703 authorizes the Town of Islip to lease parkland located in Hidden Pond Park for an extended period of fifty years. Currently the maximum time allowed for a lease is thirty years. The parkland has been leased to a business corporation for the last fourteen years to provide residents with sports and recreation opportunities.
Senate Bill 4322-B amends social services law in relation to landlords of housing accommodations occupied by recipients of public assistance. The legislation requires owners of such buildings to file a form stating that the building conforms with all applicable codes. The form must be notarized and resubmitted every six months. Local social service departments would be authorized to withhold public assistance payments to a landlord who does not comply with the requirements.
Senate Bill 8308 establishes a gang assessment, intervention, prevention and suppression program. The Department of Criminal Justice Services would be required to deploy the division of state police to develop a coordinated law enforcement response in communities across the state. The program will involve a partnership between local, state and federal law enforcement and county prosecution offices. In addition to local response strategies, the superintendent of the division of state police will be required to establish and maintain a gang clearinghouse as a central repository of information relating to gangs operating within the state.
Senate Bill 6696 establishes a small business tax credit for Small Business Administration guaranty fees. The goal of the legislation is to assist small businesses in obtaining loans by providing a tax credit for the fees which are part of the United States Small Business Administration loan processing. Small businesses in New York State that have paid a loan guaranty fee to the SBA in order to obtain a loan to receive a tax credit for the full amount of the guaranty fee. Such a credit may only be claimed by the small business and may not be claimed if the guaranty fee has been added to the amount financed by the borrower.
The final bill, Senate Bill 6459-A, honors a fallen service member from the 3rd Senate District. The legislation designates the bridge on the William Floyd Parkway which crosses over State Route 27 as the Cpl. Paulo Marko Pacificador Memorial Bridge. Corporal Pacificador, of Shirley, New York, was 24 when he was killed while serving in hostile action in Qayyarah, Iraq. He was posthumously awarded the Bronze Star and the Purple Heart.


text:
Do you have to download a movie when you rent from iMovies? It takes such a long time I have paid for a rental movie and was unable to watch it never
- Asked by Tracy D
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text:
- Additional information
- Description
Additional information
|71 g
|Mexico 925
|Wearable length of approximately 18"
Each floral panel measures approximately 1" in diameter.
Ring around the rosie! Celebrate spring and sweet flowers with this elegant necklace that features 17 panels of sweet sterling silver tubular flowers.
This necklace is easily secured with a toggle closure. Please note that the underside of the panels are not solid.


text:
HYSTERICAL screams, tears and even a marriage proposal greeted Twilight werewolf Taylor Lautner when he braved a public appearance before 4000 fans last night.
More than 4000 Twi-hards packed Luna Park last night in the hope of quizzing Lautner and his co-star Kristen Stewart. With the gloomy weather befitting the dark vampire love story, the fans' loyalty paid off when their idols walked the soggy black carpet stopping for photos and hugs.


text:
Gnome apps font size
I looked around in the forums for a while and didn't find anything that solved my problem, so here tis...
I was wondering how to shrink the application font size for Gnome applications. When I run GNUcash, *(which is why I'm posting this, btw), the font size is much too large to be functional. It did it in one other program also, which I can't remember at the moment. But it doesn't seem to do this with native KDE apps. I tried opening up /etc/X11/fs/config and #-ing out the 100dpi font references, but that didn't do anything. I've also checked various KDE and Gnome font settings in their respective config tools, but that doesn't seem to do anything either. Anyone know why these fonts are so humungous?
Thanks for your help,
Oh, my laptop screen resolution us 1024x786 or whatever that one is exactly. When I open the options menu in GNUcash, I cannot even see the entire menu (i.e. the OK button at the bottom is beyond the screen boundries, and the window is non-resizable).
*bump* -- i have found out that this problem extends to all gnome apps including xmms, certain config programs, the gimp, etc
|All times are GMT -5. The time now is 03:06 PM.


text:
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This is a great prop for comedians, MC's, clowns and magicicans. It's a pack small, plays big effect. It consists of a large image of an "old school" camera. Simply take a picture of an audience member and when it develops, it produces an image of a monkey. Perfect gag to get a quick laugh!
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The dedication of former employees to the lives of students will be honored during the third annual Fairmont State Student Affairs Hall of Fame Awards Banquet set for Friday, Feb. 24, at 6:30 p.m. at Westchester Village, 1825 Locust Ave., Fairmont.
This year's inductees will be Dr. John G. Conaway, who served as Director of Admissions/Assistant Registrar from 1971 to 2001; Michele S. Casteel, who served in various posts at Fairmont State from 1974 to 1991, including Assistant to the Vice President for Student Affairs and Acting Vice President for Student Affairs; and Garnet L. Holsberry, who served as Housing Administrator I from 1978 to 1986. The 2006 Distinguished Citizen Award recipient will be Aaron Hawkins.
"The Student Affairs Office provides valuable services for students throughout their college years," said Michael Belmear, Vice President for Student Affairs. "These services include orientation, counseling, crisis intervention, housing, multicultural affairs, career planning and placement, health services, mentoring, Student Government and other student activities. The Hall of Fame event has been designed to recognize the efforts of past employees and to encourage present employees to carry on the tradition of excellence."
Those wishing to attend the banquet should RSVP by calling (304) 367-4643.
John G. Conaway
John G. Conaway is a graduate of Fairview High School. He earned a Bachelor of Arts degree in Education (Mathematics and Physical Science) from Fairmont State College and a Master in Education degree in Education Administration and a Doctorate in Education (with a major in Higher Education Administration and minor in Management) from West Virginia University. Conaway taught algebra, geometry and general mathematics at East Fairmont High School from 1963 to 1969 and was Assistant Principal at St. Marys High School in St. Marys, W.Va., from 1969-1971. Moving into higher education at Fairmont State, he served as Assistant Director of Admissions/Registrar from 1971 to 1974 and held the ranking of Assistant Professor of Education while holding those positions from 1974 to 1993. From 1993 to 2001, Conaway served as Director of Admissions.
His professional activities include: member and past president of the West Virginia Association of Collegiate Registrars and Admissions Officers; member of the National Association of Collegiate Registrars and Admissions Officers; life member of the National Education Association; and past president of the Marion County Association of Classroom Teachers.
Michele S. Casteel
Michele S. Casteel has 35 years of experience in administration and has been employed since 1995 as Training Administrator/Unit Chief at the Federal Bureau of Investigation Criminal Justice Information Services Division in Clarksburg. She worked in the FBI Identification Division from 1991 to 1995 as a management analyst. She worked as a classroom teacher in Huntsville, Ala., and as an elementary school counselor in Harrison County before coming to Fairmont State, where she worked as a student affairs counselor from 1974 to 1978 and later held the positions of Director of Career Services/Counseling Services, Assistant to the Vice President for Student Affairs and Acting Vice President for Student Affairs.
Casteel holds a Bachelor of Science degree in Elementary Education from Concord College, a Master of Arts degree in Counseling and Guidance from West Virginia University and is currently pursuing a doctoral degree in Higher Education Administration/Counseling at WVU.
She is a past recipient of the FBI Director's Award, the state Distinguished Service Award and the Mary Hicks Outstanding Service Award. Her current professional memberships include the West Virginia Association of Career and Employment Professionals and the Fairmont State Community & Technical College Board of Advisors. Her community involvement includes serving on the North Central West Virginia Community Action Board of Directors and as the Marion County Chamber of Commerce College Liaison. She is a Sigma Sigma Sigma Sorority alumna.
Garnet Lee Holsberry
Garnet Lee Holsberry is a graduate of East Fairmont High School who worked from 1978 to 1986 as the dormitory director at Morrow Hall. After retiring from Fairmont State, Holsberry became active in the local Homemakers Club, which is now Community Education Outreach. A seamstress, Holsberry designs and constructs new apparel for men women and children, including majorette uniforms, costumes and wedding attire, prom and pageant gowns. After graduating from high school, she worked at Heinz Dry Cleaners and as a cashier at Fairmont's Virginia, Lee and Fairmont theaters.
Holsberry's volunteer experience includes being Community Education Outreach Vice President and a member of the state Community Education Outreach Board. She is also active in her church.
"Fairmont has been a significant part of my life," Holsberry said. "My mother, Evelyn Moore, was the head cook in the campus cafeteria from 1958 to 1972. Six years later I began my work as a 'dorm mother.' Most recently, my daughter Sharon Smith joined the School of Education. Three generations of Fighting Falcons!"
Aaron Hawkins
Distinguished Citizen Award recipient Aaron Hawkins, President of the Fairmont State Foundation Board of Directors, has been a member of the board for more than 20 years. A graduate of Fairmont Senior High School, Hawkins holds a Bachelor of Science degree in Business Administration from Fairmont State and a Master of Business Administration degree from the University of Utah.
Hawkins has been working in the banking industry for more than 25 years, first as a trust officer and currently as Senior Vice President and Trust Officer of WesBanco, formerly First National Bank, in Fairmont. He has a commitment to continuing education and has completed a long list of course work related to his career. He recently completed and received certification from the American Banker's Association National Graduate Trust School, a three-year program based at Northwestern University in Chicago. He is a Vietnam veteran, a member of the South Fairmont Rotary Club and the First United Methodist Church in Fairmont.
He and his wife LouAnne Hawkins, a language arts teacher at Barrackville Middle School, have been married for 31 years.


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USD/JPY (a 4-hour chart)
General overview
The Japanese yen has not broken the last week trends and has strengthened against the dollar once again. The stock market events caused the yen rising popularity for the five days after the pessimistic views and the state "treasuries" profitability decline. The political component also contributed to the yen demand namely the Japan Prime Minister Abe unexpected statements that the yen decrease undermines the small businesses and households' development.
It is also worth noting that the pair is in the decreasing channel direction. The resistance level of 107.60 short break will be stopped by the channel 108.00 upper bound where it is likely to expect the downward correction continuation.
The price is finding the first support at 107.10, the next one is at 106.70. The price is finding the first resistance at 107.60, the next one is at 108.00.
There is a confirmed and a strong sell signal. The price is under the Cloud and it is above the Chinkou Span. The Tenkan-sen and the Kijun-sen show a downward movement. The downward movement will be until the price is under the Cloud.
The MACD indicator is in a negative territory. The price is consolidating.
Trading recommendations
The potential price decreasing targets are the levels of 107.10, 106.70.


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Column: Interview with the Finnish vampire
Several years ago, I read "Interview with a Vampire." I told some people about it. Then one morning a few weeks later, imagine my surprise when a heavily accented voice asked me: "Do you want to me interview? I'm a Finnish vampire."
Well, sure, I replied, if my personal safety and usage of English isn't threatened.
He replied: "You have coffee-ah with lots of sugar in it, that way safe are you and I can talk about my live."
There's the first problem: I drink coffee and then I shake and tremble and wet the bed at night. But, an interview with a vampire was at stake, so I agreed. The voice said to meet him at the edge of the woods north of town at sundown the next night. By some white pines. Ah, the Finns love their white pines.
So, there I was, standing in the gray twilight that next evening, dodging falling pine cones, when from out of the dim light, he floated closer, his cape a bit snarled in his bib overalls.
"Don't be at me too surprised," he said, as he shifted a wooden pitchfork off his shoulder, and then, faster than the eye could follow, speared a falling pinecone from several feet away. I backed up a step.
I told him he looked a lot more like that statue of St. Urho in Menagha than like a vampire.
"Yah, dat's true," he said. "We're both from the Transylvania side of Finland." He saw me eying the pitchfork. "Don't be afraid of dis pitchfork. I won't you stap. I carry it to keep in practice."
He sighed and said, "There aren't any 'rasshobbers much, no more."
He can kill English, that's for sure. So, I said, did you come to talk about grasshoppers?
"Oh, vell, dere's lots of things I vanted to dell you. How about if at the beginning I start?" He pulled a file out of his chest pocket and began filing a huge crosscut saw, which appeared out of his overalls.
"Before I start," he said, "have you the coffee-ah got?"
I poured him a scalding cup of oil-black brew, and handed the cup to him on a saucer with several lumps of sugar. He poured some into the saucer, and drank it through a cube in one swallow.
"Not as hot as the devil makes it," he said.
Then he said, "Yust yoking wit' you."
Ah. A funny Finnish vampire.
I asked him: What's it like, being a vampire?
He drank more scalding coffee, and said: "I vas yust twendy years old in 1888, ven the pig hobbers came. One of dem pit me. Next ting I know, I haf dis white complexion and I don't any older get."
Did you say you were pit by a pig hopper?
Impatiently, he waved the hopper sticker in the air and screamed: "Pig! Pit me! You know. Wit his mouth. A pig 'rasshobber."
OK, OK, I said, "big grasshopper." Then what happened for the next couple of hundred years?
Now he had in his hands the biggest chainsaw I've ever seen, which he was filing. He said: "I vent here and dere, and found out dad I could only eat fried hobbers or white pine cone seeds. A diet of hobbers and seeds," he went on, "dat gets old quick."
So, he continued, he came over here to the largest stand of white pines in America, "and here I bin ewer since."
He sighed and looked over our heads at the pinecones. "Sometimes, "he said, "I am tired of pinecones, but all the pig hobbers are gone. I ain't had a good two-pound hobber in fitty year."
Suddenly, the scene before me went ballistic. He moved so fast it looked like 10 men. They viciously attacked the pine tree. Every one of the men seemed to have four arms, and each arm held either an axe, a chainsaw, a crosscut saw or a file. The air was filled with flying pine wood chips. It sounded and looked like a tornado.
In a few seconds the dust settled, it was quiet, and I was alone there, standing by a stump. The smell of fresh white pine filled the air, and the ground was covered with two-by-fours. There wasn't a pinecone around, and he was gone.
And that's how it happened, more or less.


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For ages people have speculated about how the world will end. How can we discern the real clues from the many false alarms? LaHaye and Hindson examine ancient Bible prophecies in light of today's news headlines and provide a panoramic survey of the final signs that will serve as God's global warning to the people of all nations. Jesus promised He would someday return to Earth to bring judgment and set up His kingdom. He even reveals specific details about what will happen.
What are those details? What can we expect? Will terrorism, nuclear threats, and the Middle East crisis have a part? Are there other clues we may have missed? This captivating page-turner is a book with an urgent message for Christians and non-Christians alike!
©2008 Ed Hindson & Tim F. LaHaye; (P)2008 Oasis Audio
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The Top 5 Songs From the Summer of 2000
Power outages like we experienced in Abilene Monday evening (6/17) reminded me of when the air conditioner broke at our house in the summer of 2000.
That was the year Donna and I spent a lot of time on the back porch trying to keep cool. We sipped iced tea and listened to music like "Cowboy Take Me Away" by the Dixie Chicks and "How Do You Like Me Now" by Toby Keith. The summer of 2000 also had other awesome songs like them.
Check out the top 5 songs from the summer of 2000
Toby Keith – How Do You Like Me Now
Dixie Chicks – Cowboy Take Me Away
Lee Ann Womack – I Hope You Dance
George Strait – The Best Day
Lonestar – What About Now
Here are some interesting cost of living facts from 1985
Average cost of new house $134,150.00
Average income per year $40,343.00
Average monthly rent $675.00
Cost of a gallon of gas $1.26
Average cost of new car $24,750.00
US Postage Stamp .33 cents
1 pound of bacon cost $2.97
Coffee cost $3.44 a pound
A loaf of bread $1.72
A dozen eggs was .89 cents
Barrel of oil was $30.00 per barrel
What do you remember from 1985?


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Author Comments
Rated 4.5 / 5 stars
Although I'm a batman fan.
Superman would rip batman to shreds. I mean bat man has no super powers really and in a wrestling match batman wouldn't even be able to use his gadgets.
Rated 3.5 / 5 stars
...Kryptonite is Supermans only weakness...
This is supposedly a clip of wisdom from a bird. But the answer to the question is false. In the flash the bird says that super-man has lots of kryptonite, which anyone who knows anything about super-man knows that super-mans only weakness is in fact kryptonite. How would bringing his only weakness into a wrestling ring with batman help him win the fight. batman would most likely win because he has all these gadgets to fight specific enemies. Batman would most likely make some sort of gadget using kryptonite to win any battle. However, all of Super-mans enemies have used the same technique and super-man always seems to win. Either way I would still bet on Batman as the winner. Despite all this the clip has satisfactory graphics, the style is fairly original, the audio and voice acting was flawless, it wasn't all that funny other than the depictions of Batman and his Butler as losers.
Rated 4.5 / 5 stars
like the way he occasionally coos!
just when he breaks conversation and goes 'coo'as if its a nervous tick he suffers from!!!! funny as fuck!!!
Rated 4.5 / 5 stars
Funny but kryptonite doesnt make him stronger....It hurts him.
Rated 4.5 / 5 stars
liked the cartoon but..
kryptonite makes superman LOSE his powers


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Space Shuttle Discovery races into orbit
The space shuttle program was a paradigm of rocket science—here we see the Space Shuttle Discovery on its April 5, 2010 launch. The space shuttles employed twin solid rocket boosters during launch, each of which ignited to send the shuttle and its crew into space. From the first launch in 1981 to the final in 2011, the space shuttle fleet flew a total of 135 missions. After concluding its mission in space, the space shuttle orbiter would essentially land as an "unpowered glider" back on Earth. Because of this, NASA points out that every landing had to be perfect. For the most part, they were.


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Ember streaming live on Fridays inthemix today
As you might've noticed, voting for the inthemix awards kicks off today and we're marking the occasion with a special awards edition of Fridays inthemix this afternoon with local DJ and producer Ember. He's one of the names leading our 12-date club tour around the country from July to September, and from 4pm till 6pm he'll be doing his thing in our office DJ booth.
A regular on the festival circuit and fixture at clubs like Soho and Chinese Laundry, Ember's specialty is party-geared electro-house, as anyone who has caught one of his sets can attest. He's locked in for Parklife in Spring, and has done his thing on the stages of Harbourlife (as you can see in this article photo) and Shore Thing, where he warmed up for Calvin Harris.
Tune in from 4pm to get in the mood for the upcoming inthemix awards tour, which will see Ember join forces with Andy Murphy, DJ Kronic and Chardy as they tour Australia in celebration of this year's awards. It's a big tour, so head here for the full list of dates.
So if you've scrolled this far but still haven't cast a vote in the inthemix awards, what are you waiting for? Head here now to make your opinions heard on your favourite Australian DJ, Major Festival, Boutique Festival, Club Night and International Artist.


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PURCHASE, N.Y. -- Patrick Ewing wasn't talking Tuesday, depriving the basketball world of his insight into the big debate surrounding the New York Knicks: Are they a better team without him when they're playing the Indiana Pacers?
The Knicks have won two games in a row without Ewing to tie the Eastern Conference finals 2-2, and it's unknown whether Ewing's sore foot will be pain-free enough to allow him to play in Game 5 Wednesday night at Indianapolis.
Some Knicks fans, citing New York's 5-1 record against Indiana in the last two postseasons when Ewing has been injured, are hoping he'll continue to sit.
Such a notion infuriates coach Jeff Van Gundy, who has described the theory as ''asinine'' in recent days. When he was asked about it following Game 4, Van Gundy gave such an impassioned response that he almost couldn't get the words out of his mouth fast enough.
Asked again after practice Tuesday, Van Gundy would barely discuss it.
''I've done that enough,'' he said. ''I'll let the foolish remain foolish and not even try to educate them.''
There is no bigger Ewing loyalist than Van Gundy, and any anti-Ewing talk is considered blasphemy in his mind.
''What makes me laugh about that number (the 5-1 record without Ewing) is how the media can manipulate it,'' Van Gundy said.
Ewing's availability for Game 5 will be a game-time decision. Ewing tested his sore right foot during warmups Monday and decided the tendinitis was too painful. With backups Chris Dudley and Kurt Thomas playing center, New York defeated Indiana 91-89 in Game 4.
''We were able to do more of what we're comfortable doing, like drive to the basket,'' Knicks guard Allan Houston said. ''But the key is being able to do both. If Patrick's in, we've still got to be able to do those things, but pick our moments. It's a fine line, but ultimately if we can do it, it's going to make us the best team.''
The Knicks' record without Ewing looks good over the past two seasons, but injuries have actually reduced his availability against the Pacers for the past three seasons. He had a fractured wrist in 1998 and Achilles' tendinitis in 1999.
Over that span, including Game 2 this season when Ewing played just seven minutes, the Knicks are 2-6 against the Pacers with Ewing, 5-2 without him. Included in those five playoff losses is Game 5 of the second round in 1998, when Ewing played his third game after returning from a broken wrist. Many felt Van Gundy stuck with him too long, playing him for 34 minutes, as the Knicks were eliminated.
That memory, along with the sight of the Knicks operating a more fluid, uptempo offense in Games 3 and 4, are among the factors fueling the with-or-without debate as the 37-year-old Ewing again chases the championship that has eluded him throughout his 15-year career.
''I don't think it's fair to Patrick,'' Houston said. ''When you think of the Knicks, the first name you think of is Patrick Ewing. It's not fair to Patrick to have to see that and hear that. If we win the championship, Patrick has to be there.''
Of the three injured Knicks, Ewing was the only one to sit out Game 4.
Latrell Sprewell played 44 minutes with a broken bone in his foot and scored 12 points, and Marcus Camby played on a sprained knee, grabbing nine rebounds and blocking three shots in 18 minutes.
Two of Sprewell's points came on a soaring dunk through the lane in the first quarter.
''My eyes got so big on that play, I don't know if I felt anything then. But the pain is there,'' Sprewell said.
Sprewell also disagrees with Ewing's detractors who say he clogs the middle and slows down the offense. It's more a case, according to Sprewell, of the rest of the Knicks not turning their desperation up a notch.
''In Game 1, Patrick was there, and I still got to the basket. That's not what's preventing us from attacking,'' Sprewell said. ''I think we have the luxury of having Patrick there sometimes, so we're a little lazy and not as aggressive because we have him to dump the ball to.''
Breaking down the statistics from the last three playoff series against the Pacers, the Knicks are a better rebounding team with him -- but a better shooting team and running team without him.
The Pacers are one of the older and slower teams in the league, and their lack of quickness hurts them when the Knicks drive the lane, push the ball upcourt and look to get more shot attempts out of Houston, Sprewell and Larry Johnson.
In the eight games with Ewing, the Knicks have shot 43.9 percent from the field and scored an average of 11.6 fast-break points against Indiana. In the seven games without him, they've shot 45.7 percent and averaged 14.3 fast-break points.
Will Ewing come back Wednesday night? Nobody knows for sure; lots of people have their hopes.
''Look at the percentage with or without him,'' Indiana center Rik Smits said. ''I hope he comes back.''
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Rosedale Ride
This was my first organized ride ever...it was about 1993. I rode one of the shorter routes (I think about 24 miles) on my Specialized Diamondback MTB. It was the longest ride I'd ever done. I seem to recall they offered a century route back then.
Thanks for posting...62 mile in March shouldn't be a problem but it will at least give me something to train for.
Yes....I love this ride as well. Amazing people and great cause. You can also volunteer to ride a tandem for a stoker with a challenge, be it visual, physical, etc.....
The Rosedale Ride is a lot of fun. I hope to see you out there. I will have at least 2, maybe 4 kiddos and the wife with me.
Larry Murphy in Austin
The 19th Anual Rosedale Ride is on March 23, 2013
Online Registration is Open
Click on or copy the following URL to your browser to register online at bikereg.com: https://www.bikereg.com/Net/18045
Ride Info
When: Saturday, March 23rd, 2013 at 8:30 AM
What: The Rosedale Ride is an annual charity bicycle ride with routes of 20, 42, and 62 miles and a children's fun ride of 2 miles.
Where: Begins and ends at Samsung Austin Semiconductor (see map and directions below)
Packet Pickup: At the Rosedale School (see map and directions below) on Thursday, March 21st 10:00 AM to 8:00 PM. Or on Saturday, March 23rd, the morning of the Ride, starting at 6:30 AM at Samsung Austin Semiconductor.
What's New: It's a celebration! On Thursday evening only (5pm to 8pm), there will be live music and great food to go with the Kick-Off and Silent Auction (click here for news)
Why: The Rosedale Ride raises money for the Rosedale Foundation, a (501-c3) non-profit organization, whose mission is to support the children of Rosedale School, AISD's only school for children with multiple disabilities.
Online registration now open!
Leaning towards this now if for no other reason than to force me out on the bike! I'll confirm later in the week.
Picked up my packet earlier today. See you guys on the route.
I am such a fair weather rider that I decided to skip it due to overcast, cool conditions.
was chilly, and very col but it did not rain. Got crazy nice later in the day. Roads seemed better then last year too. Great cause, school, and volunteers. will ride it again next year for sure.
|All times are GMT -6. The time now is 05:37 AM.


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Changing the Preferred Bible Setting
- Tap the Navigation Drawer icon.
- Choose Tools.
- Tap Settings.
- Tap the title below "Preferred Bible".
- Select a Bible or translation by tapping it.
Note: Setting your preferred Bible will not change which Bible is currently open in the app. After changing the preferred Bible setting, be sure to open the desired Bible by locating it in the Library.


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NEWPORT, Tenn., Sept. 18 (UPI) -- A Tennessee appeals court overturned a lower court judge's ruling that a woman may not name her child Messiah because it is a title only Jesus has "earned."
The case began when Jaleesa Martin, of Newport, Tenn., and the child's father, who was not identified, could not agree on the child's last name. Martin had settled on Messiah as her son's first name, WBIR-TV, Knoxville, Tenn., reported Wednesday.
Child Support Magistrate Lu Ann Ballew ruled the child's name should be Martin DeShawn McCullough, incorporating both parents' last names but dropping Messiah.
"The word 'Messiah' is a title, and it's a title that has only been earned by one person -- and that one person is Jesus Christ," Ballew said.
An appeals court overturned Ballew's order, saying she does not have the authority to decide the child's first name, only the last name disputed by the parents.


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Israeli civilians have perpetrated various forms of violence against Palestinians in the Occupied Territories, damaging their lands, their persons and their property. In recent years, settlers have carried out violent acts under the slogan "price tag." These are acts of violence aimed at the Palestinian population and Israeli security forces. They generally follow actions by Israeli authorities that are perceived as harming the settlement enterprise, or follow Palestinian violence against settlers. B'Tselem has documented many such acts including the blocking of roads, throwing stones at cars and houses, making incursions into Palestinian villages and land, torching fields, uprooting trees, and other damage to property.
The term "price tag," was coined by settlers and they explained its meaning in media interviews. For example, on 24 July 2008, after Israeli security forces removed a bus that had been placed in the Adey Ad outpost, the head of the settlers' struggle headquarters in Yitzhar was quoted in Ha'aretz as saying, "the police have to understand that there will be a very high price tag for any incident of this kind." He described the harm to Palestinians as "a display of good citizenship that was intended to help the police enforce the planning and building laws in the area on Palestinians." On 15 Nov. 2008, after the Federman Farm outpost was evacuated, Eliezer Melamed, the rabbi of the Har Bracha settlement, was quoted on the NRG website as saying, "the price tag policy appears to be very effective and the security establishment is doing everything it can to break it."
Security forces do not always deploy in advance to protect Palestinians from settler violence, even when such violence could be anticipated. On the "day of rage" declared by settlers on 3 March 2011, a large contingent of security forces was deployed to prevent acts of violence. However, in other cases, such as following the demolition of structures in the Migron outpost, on 5 September 2011, security forces did not prevent violence as was required of them. B'Tselem documented ten incidents during the week after the demolition, in which settlers had damaged Palestinian property, including the torching of a mosque in the village of Qusra and the spraying of offensive graffiti on the walls of two other mosques.
In some cases, rather than restricting violent settlers, Israeli security forces impose restrictions on the Palestinians. In April 2011, for example, settlers threw stones at Palestinian vehicles on Route 60 after Palestinian policemen killed Ben Yosef Livnat at Joseph's Tomb, in Nablus. In response, the military forbade Palestinians from traveling on the section of the road between the Huwara intersection and Jit.
As the occupying power in the West Bank, Israel is obligated to maintain public order and ensure the safety of the Palestinians in the West Bank, who are classified a protected population in international law . In a ruling regarding the ability of the security forces to enable the olive harvest to be carried out undisturbed, the Supreme Court ruled that "protecting the security and property of the local residents is one of the most basic obligations placed upon the military commander in the field." The judges added that the defense establishment must "give clear, unequivocal instructions to the forces that are deployed in the field" and must also "allocate forces to protect the property of the Palestinian residents" (HCJ 9593/04 Murar et al. v. IDF Commander for Judea and Samaria et al.).


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> Career Resources
> Interviews > Industry Updates > Banking / Finance > Financial Planning / Wealth Management
Building strong relationships is a vital part of the job
Financial planning is all about caring for customer needs and effective Communication is a central part of that.
In meetings, phone calls and written exchanges, the aim of the consultant is to create a positive impression from the outset and then establish a lasting relationship which is built on trust. This makes it possible to add real value for customers during the planning process and to put them in a position where they can realise their major financial ambitions.
"When customers are satisfied, that also brings benefits for the bank and boosts the career prospects of individual consultants," says Bonnie Cheung, financial planning manager of HSBC. "In a sense, everyone comes out a winner."
She notes that getting to know a client is a step by step process. It entails more than simply explaining the principles of financial planning. For example, it helps to have general knowledge of a wide range of topics in order to break the ice more easily. Depending on the likely interests of the client, it is then possible to kick off a meeting by talking about shopping, sports or that morning's headlines. "Some customers, though, are very sophisticated investors and prefer to get straight down to business," says Ms Cheung. "Therefore, it is important for a financial planning manager to develop the sensitivity needed to read each situation correctly and to adapt accordingly."
Once a customer feels at ease and understands that confidentiality will be respected, they will be more willing to talk about their background and give details of their personal finances. These usually relate to assets, debts, income and expenditure. Some information about such things as MPF contributions or life insurance policies may not be immediately to hand, but can always be checked later. Obviously, if accurate and complete data is provided, the proposed financial plan can be much more comprehensive in meeting expectations and covering future requirements.
"Remember, though, that this is essentially a business relationship," says Ms Cheung. "It is therefore sensible to keep in regular contact, but to make sure every phone call adds value in some way to the ongoing relationship, and that it is not just hello and goodbye."
The secret is to realise that each customer is unique and has individual needs. These can be discovered through active and, at times, subtle questioning. Also, whenever a customer states a firm opinion or a particular concern, it should be noted, since it may ultimately have bearing on investment strategies incorporated in the financial plan.
"Clients may not have considered certain situations, so it helps to have a few good examples to illustrate different issues and other benefits to bear in mind," Ms Cheung adds.
A good example of her own abilities is that she has made it through to the final round of the HKIB's Outstanding Financial Planner Awards competition. She says that the process has been a true test of professional performances and individual strengths. It has also been a great experience with the chance to industry experts, academics and a few of the celebrated names in the business world.
Ms Cheung says that questions put by the judging panel challenged her usual way of thinking and caused her to consider additional factors for devising a top-notch financial plan. She feels that the format of the competition has provided an excellent learning opportunity and strongly advises other financial planners to take the chance to compete in future.
"When you review your existing practices, you see where you can still improve and are sure to get some new insights about the financial planning profession," she says.
Successful communication
Free Subscription


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What is the purpose of something like this?
What is the purpose of something like this?
Well that red writing means it's something called a link. Moving your cursor over this text and clicking the mouse button, will direct your browser towards a new web page.
Hope this helps!
Defense officials hope to gain intelligence and useful predictions while investors who guessed right would win profits.
I guess they figure there are some analysts out there that are well in touch with the situation and this is a kind of way to pay them for their insight.
Sounds a bit gross, and I can see it being abused. Typical sounding Pentagon scheme really.
Wave upon wave of demented avengers march cheerfully out of obscurity unto the dream.
Another winner from DARPA. to go with
If you had predicted a terrorist act, say Bali Bombings or S11 and bet on it. I think you would get more than cash from the government.
I would expect to spend considerable time undergoing 'torture lite'.
"Man alone suffers so excruciatingly in the world that he was compelled to invent laughter."
Friedrich Nietzsche
"I spent a lot of my money on booze, birds and fast cars......the rest I squandered."
George Best
"If you are going through hell....keep going."
Winston Churchill
I can see it now.
ok follow the pretty suitcase into that room over there. go on now. oh don't worry those knives are only for decoration.
if a contradiction was contradicted would that contradition contradict the origional crontradiction?
They cancelled the idea. Good for them. I hope these ideas don't come up too frequently.
Part of me wishes this had gotten through.


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GAINESVILLE - After a carbon monoxide leak prompted the evacuation of an elementary school in Atlanta this week, suddenly there's an increased awareness of the danger of this colorless, odorless gas.
Hall County Fire Chief David Kimbrell appeared Tuesday afternoon on WDUN's Afternoon News with Katie B. Davis. He said he recommends installing carbon monoxide detectors in homes, businesses and even on boats.
"We've had a couple of incidents in the past, and actually one this year, where we transported 10 from a houseboat that were overcome with carbon monoxide," said Kimbrell.
Kimbrell told the radio audience that so much attention is placed on smoke detectors and fire safety that installation of carbon monoxide detectors is often overlooked.
State guidelines do not require schools to have carbon monoxide detectors, a fact that came to light after nearly 50 students, faculty and staff fell ill when high levels of carbon monoxide permeated Finch Elementary School in southwest Atlanta Monday morning.
State Insurance Commissioner Ralph Hudgens told Atlanta TV media after the incident he will talk with legislators about making a change in state regulations during the upcoming legislative session.
Gainesville Schools Superintendent Merriane Dyer said in an e-mail Tuesday that after the scare at Finch Elementary, school officials did a check of all Gainesville City Schools.
"We did an inventory of where we did not have them, are getting prices today, and then will install so that all of the school buildings will have them," she wrote.
Damon Gibbs, Hall County Schools' Director of Facilities and Construction, said in an e-mail, "Our current systems do not detect carbon monoxide. The larger units detect fire, which is a requirement."
Kimbrell noted in the radio interview that carbon monoxide can leak from any carbon-fueled source, including appliances, furnaces and fireplaces. He warned those who live in homes powered with electricity not to be complacent, however.
"There's no danger of carbon monoxide, except for a car in a garage."
Kimbrell said making the investment in carbon monoxide detectors is well worth peace of mind. He said they typically are available at hardware stores or any big box stores.


text:
Judges 6:4
4Those people camped in the land and destroyed the crops that the people of Israel had planted. Those people ruined the crops of the people of Israel as far as the land near the city of Gaza. Those people did not leave anything for the people of Israel to eat. They did not even leave them any sheep, or cattle, or donkeys.
English Version for the Deaf brought to you by World Bible Translation Center.


text:
The Prosecutor's office cited examples of "false answers," the ex-President.
During the interrogation by videoconference, the former President of Ukraine Viktor Yanukovych has not provided specific answers to questions put to him and gave false testimony. Evidence of this is state, said the head of the Department of special investigations of the Prosecutor General of Ukraine Oleksiy Donskoy.
"On the specific questions he did not answer… He gave or untruthful answer, or refused to answer them" – said Donskoy.
According to the Prosecutor, Yanukovych failed to specifically explain any one circumstance in the events about which he asked questions.
"I think none of us got the answer to the question how he, 23 February at 3.51 am was in Yeysk… where his military plane back returned to the Crimea. Also we have not received a response to a question about the letters of introduction of Russian troops," continued don.
Also, the representative of PGO said that the prosecution has evidence that the former President was given wrong information.
Questioning Yanukovych: online
"All the key, what we wanted to ask – we either got the answer or blatantly false answers, particularly referring to Surkov. They met with Surkov in Mezhyhirya, we have specific time, day, and time. Yanukovych said that contacts with Surkov. This is not true," – said the representative office.
Donskoy said that the GPU has all the materials to back it up.
Earlier, President Viktor Yanukovych accused the oligarchs of the shootings on the Maidan.
Yanukovych to disperse the Maidan Golden eagles provoked
In November in the Svyatoshinsky court of Kiev on 1 November continued the case against five employees of a specialcompany of the Golden Eagle. At the hearing viewed videos in which one of the victims in the case encourages other participants in the protests violent acts against law enforcement officers.
The Case Of The Maidan
Yanukovych says he left Ukraine on February 24
Yanukovych has apologized for the deaths of people on Maidan
Yanukovych said the Turchynov tried to deploy his helicopter
The result: Yanukovych 54 times called Medvedchuk
Lyovochkin: the dispersal of the Maidan is to blame Zakharchenko
According to the materials:


text:
Padres always happy to play in PNC Park
Padres always happy to play in PNC Park
PITTSBURGH -- The Padres have won each of their last nine games at PNC Park, the longest active winning streak for any team against an opponent at its home ballpark.
The Padres are 26-9 all-time at PNC Park and have never lost consecutive games there.
Last year the Padres came to Pittsburgh and scored 35 runs over a three-game series.
"I'm not sure why," manager Bud Black said. "[Is it] whether we just happened to be playing well when we came here? I just know the last couple of years, we've had some success in this park. It just might have been coincidental [that] the guys were swinging the bats well. I wish I had the answer. I do know in talking to our players, it's a good hitting background, guys see the ball here, they like this park and they feel good about it."


text:
By Herald Staff, January 28, 2013, Everett Herald
Port of Everett Chief Financial Officer Karen Clements has announced that she will retire in September.
Clements, who holds the No. 3 management position at the port, has led the agency to 15 consecutive years of clean audits during her tenure. The CFO is responsible for the port's $56 million-plus capital and operating budgets, investment portfolios, risk management, bond issuance and information technology.
She also participated in union negotiations, oversaw staff assistance in state and federal audits and managed the port's industrial development corporation. The port commission has appointed her treasurer and auditor for the financial statements for the past 17 years.
"We were so lucky to have such a fine steward of public resources all these years," Port Commissioner Tom Stiger said in a news release. "Karen did a fantastic job managing the port's assets, and hers will definitely be big shoes to fill. I know for a fact that I will be spending these next nine months picking her brain to get as much of her financial knowledge as I can before she leaves."
After retirement, Clements plans to continue volunteer work on the board of Dawson Place Child Advocacy Center, where she serves as treasurer. She also looks forward to traveling.
"I have really enjoyed working at the port, as well as with many port staff and commissioners," Clements said in the news release. "We truly have a great team. Working 18 years at the Port of Everett has passed much faster than I could have imagined, and I am so proud to have been a part of such a great organization."
Prior to coming to the Port of Everett, Clements worked for 12 years at the City of Puyallup. The port will hire a recruiting firm to fill Clements' position.


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Hate the Eagles,Dispise the Giants and show indifference for the Redskins.
I live 15minutes from Philly, get to most of the Cowboys East coast games,still trying to get to a homegame.
I listen to sports radio WIP ,the FAN +ESPN Philly/NY most of the time, and I'm a avid
Gamebook reader,even before computers,so I like stats/splits and pulling the games apart.
Romo,Witten,Crayton,Ware are my guys. No matter what they say,5 are not enough and 3in4 one more time.


text:
I always am cheered by a phone call from Allen Parton.
Things are really taking off for new charity Hounds for Heroes.
One of our lovely readers has persuaded his employers DHL to really get behind the charity and Marks and Spencer and Waitrose are already on board. Impressive stuff for a new charity. But each one of these corporates were involved by just one person being moved and then making it happen. The charity seems to reach out to individuals and make them want to do something - whether that's giving a £1 or putting on a coffee morning or persuading their big bosses to get involved, too - it's all good stuff. People caring and actually being moved to do something about it.
But today's new good news was that the lovely folk at Kong have given Hounds for Heroes £5,000 - enough to train a dog!
As a Kong was Endal's favourite toy they've also agreed to supply their fantastic toys to the charity on an on-going basis, too.
Isn't that lovely?
Made my day that call.
The script for Endal the movie is due any day soon.
In the 20 years I've been doing this job, it's amazing how many stories we've seen that could turn into Hollywood movies. It's so lovely that our readers will have a grandstand seat to watch this one make it to the big screen!
So proud of Allen and all he does. Love him writing in the magazine and telling the developing story.


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Fear of Flying: Reverse Normalization
Fear of flying is very common.
Many people experience it, and many of these people will be the first to tell you that fear of flying robs them of their freedom. It keeps them from seeing long-distance family, from traveling for vacations, from pursuing career goals that may involve travel, from moving somewhere far away, from attending major life events of family and friends, and so on.
When anxious flyers are able to fly, albeit with intense anxiety, obsessing about the upcoming flights often intrudes on their ability to enjoy the vacation or the events at the destination.
As a psychotherapist, I've worked with many people on their fear of flying using a combination method I created — the Balanced Flying Method. It is a comprehensive approach that treats fear of flying by addressing the main relevant psychological and emotional components involved in feeding this fear.
(Here are a few links to how I work with fear of flying if you'd like to learn more: A Complicated Phobia; A Focused Approach; Podcast.)
Without getting into all of the details of the method itself in this particular post, one of the most significant pieces of this approach is "normalization."
In basic terms, "normalization" is what allows us to do everything we do in our daily lives without becoming overwhelmed with panic due to risks we face. For example, driving, eating, walking, swimming, showering — and more. All of these things could be harmful to us in their worst moments. However, the reason we generally don't fear these things is because our brains are so used to experiencing them safely that these experiences have become "normalized."
The brain understands the things we do regularly as routine, and therefore doesn't cause a panic whenever we do one of these routine things.
However, most people don't experience flying on a frequent enough basis for the brain to adapt to it. There is little to no chance for the brain to become normalized to flying (though this isn't the only issue that makes flying tough, it's a major one). So when faced with the idea of flying, we react emotionally to the perceived danger, no matter how routine it really is.
However, making this issue significantly worse is the role of reverse normalization.
What is reverse normalization?
As noted above, many people have very infrequent exposure to flying. At the same time, however, many people are quite often exposed to news stories, tv shows, and movies that all commonly depict flying as something scary.
How often in a movie or tv show does an airplane scene turn into something scary? Maybe not every single time, but far more frequently than reality. With entertainment, writers can create whichever kind of scene they want for a show or movie. They can create as many scary airplane stories as they want and make them look very real.
And with news stories, how often do you seen news stories that show airplanes as scary, even when nothing bad happens? We see stories of planes being diverted to other airports, scary turbulence stories, planes making an emergency landing because an oil light went on, people being kicked off of planes, people fighting in a plane, someone getting detained on a plane for causing a scene. Sure, nothing too positive. But these stories make headlines even though they all land safely, and were really never in danger of not landing safely.
Reverse normalization is the result of these news stories and fictitious entertainment stories. (Reverse normalization is also reinforced by hearing other people talk about flying as scary, which validates your own fears). We see many more negative associations to airplanes in regular daily life than most people are able to experience the routine nature of air travel.
So what happens is, the brain actually normalizes the danger of flying rather than the safety. This means the brain learns that the danger is the norm, and safety is the exception. Even if this process is not accurate to reality, this is what the brain has absorbed by taking in all of the negative information that is available to be absorbed on a routine basis.
Just imagine, if there was an app or a channel that was dedicated to 24-hours, 7 days per week of watching airplanes land, not only would they probably not be able to fit all the landings into a watchable frame of time, but people would be so bored by it that they'd shut it off after five minutes.
On the flip-side, there are full-length shows dedicated to scary airplane themes that people will watch for a full hour. When the brain normalizes something, people become indifferent to it (which is what allows us to function). When it's not normalized and there is fear, people watch and pay attention, subconsciously looking for information to protect them and keep them safe, or looking to validate their fears and avoidance. But unfortunately, all it really ends up doing is reinforcing the fear.
Part of what I do with the Balanced Flying Method is to re-route the normalization back to the safety and routine side through various exercises (this is one of the components of the method). It is possible to do this, and it has been very effective for people. One suggestion I can give here is to hold reality in mind when you see a scary airplane story in the media. Try not to get too drawn in.
Check out the links above if you want to learn about the other elements that have to be addressed as well. Either way, it is important to learn how to handle and correct reverse normalization as part of overcoming fear of flying.
Feiles, N. (2017). Fear of Flying: Reverse Normalization. Psych Central. Retrieved on November 22, 2017, from https://blogs.psychcentral.com/relationships-balance/2017/05/15/fear-of-flying-reversed-normalization/


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TaylorMade's Jason Day Wins Arnold Palmer Invitational, Moves to 2nd in OWGR
What you need to know:
- With his 8th PGA TOUR win and 5th in his last 12 starts, Day moves up to second in the OWGR.
- With 46 drivers in play (38.3% of the field) 35 of them being M1, TaylorMade was the #1 driver brand and model at the API.
- Day plays a 10.5* M1 460 that plays to 9.5* with a MRC Kuro Kage TiNi 70X tipped 1", which he first put into play at the '15 BMW Championship, where he was victorious.
- Day plays a combination of TaylorMade's new Tour Preferred Satin Chrome EF wedges. While his lofts vary from tournament to tournament, at Bay Hill he played a 47* in the Tour Grind and 52* & 58* in ATV grind with True Temper DG Tour Issue S400 shafts.
- Day is the tournament's 4th wire-to-wire winner and its first since 2002.
In Jason Day's Bag:
- M1 460 Driver / 10.5* / MRC Kuro Kage TiNi 70X tipped 1"
- AeroBurner TP Fairway / 16.5* (plays to 14.5*) / MRC Kuro Kage TiNi 80x tipped 1.5"
- Tour Preferred EF Wedges 47 (Tour Grind), 52 & 58 (ATV grind) Temper DG Tour Issue S400 (wedges bent to 48, 54, 60* respectively)


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Some things change. Others don't.
Costs matter, which is one of the eternal verities of investing. We know this from John Bogle, the founder of Vanguard and patron saint of index investing. If we act on this simple fact — that costs matter — we can improve our investment results.
This isn't what Wall Street tells us. The investment community tells us that only their cadres of MBAs and Ph.D.s, their special knowledge of the world and their constant attention can lead us to good returns. They intimate that the more we pay them, the more likely it is that we will get superior performance. They spend millions of dollars on advertising to persuade us.
Alas, it isn't so.
A simple exercise with the cost factor, however, can improve our results. Let me demonstrate.
At the end of May, there were 194 mutual funds that Morningstar categorized as "moderate allocation," or balanced, funds, with at least five-year histories. These funds are typically a 60/40 mix of equities and fixed income. Their annualized return over the last five miserable years was 0.94 percent. Their average net expense ratio was 1.17 percent.
The top 25 percent of funds by expense cost at least 1.35 percent to manage, averaged 1.80 percent in expenses and produced an average return of 0.21 percent. If you selected from this group at random, hoping that high expenses would buy better management, you had only a 32 percent chance of doing better than average.
If you went in the other direction and chose from the 25 percent of funds that were least expensive, costing 0.88 percent or less a year to manage, the average return was 1.40 percent a year. You had a 55 percent chance of beating the average for the category. In other words, you have a better shot — not a guaranteed shot, just a better shot — at superior results if you insist on lower expenses.
Largest funds
We can improve our odds a bit by selecting from the 25 largest funds. Doing that gives us an average return of 1.33 percent and a 60 percent chance of beating the average fund.
One reason is that the largest funds also tend to have lower expense ratios — the group averages 0.75 percent. In other words, we can virtually double our chance of above-average performance simply by favoring the large funds that tend to have lower expense ratios. We'll have a 60 percent chance of an above average return instead of a 32 percent chance.
Not thrilled by those odds? I don't blame you. This is your retirement money we're talking about.
Thankfully, there is a better way. Marketwatch columnist Paul Farrell calls it the "lazy portfolio" way. Years ago he started reporting on the performance of do-it-yourself portfolios that could be built with low-cost index funds.
These portfolios range from some of my Couch Potato portfolios to Bill Schultheis' Coffeehouse portfolios, William Bernstein's "Coward's Portfolio" and David Swensen's "Yale Model" portfolio. Today there are quite a few of these funds, and the trailing performance figures for 30 of them are reported monthly on my website.
Beating the odds
Eighteen months ago, I showed that 11 of 14 balanced lazy portfolios beat the average for all balanced mutual funds over the preceding three years. So taking the lazy way out gives you a 79 percent chance of beating the category average.
The superior performance of these lazy portfolios continues today. If there were ever a period when perceptive selling and wise buying should have made a difference and put managed funds on top of the heap, it has to be the last five years. But superior decision making, once again, did not prevail.
Measured over the five years ending May 31, the average managed balanced fund provided an annualized return of 0.94 percent. Over the same period, the 25 largest funds returned 1.33 percent. But the 14 lazy portfolios averaged 1.45 percent and a random choice would have provided an 85 percent chance of beating the average.
What does this mean for you and me?
It means don't be afraid. If you have fear and anxiety about making your own investment decisions — fear that you don't know enough, fear that professionals will make much better decisions — it's time to take a reality bath. The reality is that if you choose just about any lazy portfolio, the odds are that you will do better than if you choose the more expensive alternatives.
Would you like certainty?
Yeah, so would I. But there is no certainty. All we can do is search for the best odds.
Scott Burns is a syndicated columnist and a principal of the Plano-based investment firm AssetBuilder Inc. Email questions to firstname.lastname@example.com.


text:
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Insurance services, namely, providing information and on-line computer databases for the purpose of processing and management of insurance related information
Business in Overland Park, KS


text:
Clifton Office
1135 Clifton Avenue
Suite 11
Clifton, NJ 07013
Tinton Falls Office
788 Shrewsbury Ave
Suite 2209
Tinton Falls, NJ 07724
Trenton Office
354 South Broad Street
Trenton, NJ 08608
Jersey City Office
14 Oakland Avenue
Jersey City, NJ 07306
Newark Office*
One Gateway Center
Suite 2600
Newark, NJ 07102
Princeton Office*
100 Overlook Center
2nd Floor
Princeton, NJ 08540
Cherry Hill Office
1818 Old Cuthbert Rd.
Cherry Hill, NJ 08034
Metropark Office*
33 Wood Avenue South
Suite 600
Iselin, NJ 08830
East Brunswick Office*
197 Route 18 South
Suite 3000
East Brunswick, NJ 08816
Toms River Office*
230 Main Street
2nd Floor
Toms River, NJ 08753
Freehold Office*
4400 Route 9 South
Suite 1000
Freehold, NJ 07728
Piscataway Office*
30 Knightsbridge Road
Suite 525
Piscataway, NJ 08854
Cranford Office*
20 Commerce Drive
Suite 135
Cranford, NJ 07016
Bedminster Office*
90 Washington Valley Road
Bedminster, NJ 07921
Morristown Office*
55 Madison Avenue
Suite 400
Morristown, NJ 07960
New Jersey Mortgage Fraud Lawyers
In the past few years, mortgage fraud has exploded in New Jersey and across the country. Sometimes, mortgage fraud involves just one person such as when a home owner falsifies information on an application. However, mortgage fraud often involves a large number of people who are involved in every aspect of the mortgage process.
This includes the home buyer, the mortgage broker, bank employees, lawyers, builders and others who work together to rip off the bank. In the effort to crack down on mortgage fraud, our lawyers have seen that innocent home owners can be accused of fraud when it was the bank who should not have given them a mortgage in the first place.
Regardless of how or why you found yourself in the middle of a mortgage fraud case, our team of tough, New Jersey Mortgage Fraud Attorneys can help you avoid an arrest and/or conviction for mortgage fraud.
White Paper On Getting Charged With A Crime In NJYour Guide To Getting Charged With A Crime In New Jersey
Are you under investigation from your mortgage company or law enforcement for mortgage fraud? Do you need to speak with an attorney right away? call us right now at 732-773-2768 to discuss your case. You can reach us any day, anytime.
Types of Mortgage Fraud
There are a number of ways that mortgage fraud can be carried out:
Fraudulent Property Flipping - this occurs when the defendant purchases property falsely appraised at a higher value and then quickly sells it, profiting from the false appraisal. In some cases, the purchaser may hold the property for less than a day.
Silent Second - this occurs when a buyer borrows the down payment from the seller through the issuance of a non-disclosed second mortgage which leads the primary lender to believe that the borrower has invested his own money in the down payment. The second mortgage is not be recorded to further conceal it from the lender. Another variation of this involves the builder/seller fronting all closing costs including the down payment. This is made easier when the down payment is less than 20% as less money is needed from the "silent second". Again, this is not disclosed to the lender and thus, it becomes fraud because the lender is accepting the mortgage based upon false information.
Nominee Loans/Straw Buyers - A straw buyer is a person that conceals his identity through the use of a nominee with that nominee's consent, often relying on the nominee's better credit history, to apply for a loan the person otherwise could not have obtained.
Fictitious/Stolen Identity - this is the same idea as a straw buyer but instead of a nominee, the suspect uses a fictitious or stolen identity to apply for a loan or to co-sign for the loan. With these cases, the lender will attempt to go after the victim who may have an uphill battle to prove that their identity was stolen. Our firm has represented victims of identity theft in these cases and it is not easy.
Equity Skimming - In equity-skimming fraud, the suspect may use a straw buyer, false income documents, and false credit reports to obtain a mortgage loan in the straw buyer's name. After closing, the straw buyer signs the property over to the investor in a quit claim deed which relinquishes all rights to the property and provides no guaranty to title. The investor does not make any mortgage payments and often rents the property for additional profit until the property is foreclosed on.
Air Loans - this occurs when a suspect obtains property loans for which there is no property or other collateral. The perpetrator may invent borrowers and properties, establish accounts for payments, and maintain custodial accounts for escrows. He may even set up telephone numbers for the "employer," "appraiser," etc., to provide the lender with "verification" of the false information.
Ponzi Schemes - the suspect solicits money from investors, selling interest in the same property to multiple investors or simply pocketing money and providing false documentation for the transactions.
Foreclosure Fraud Attorneys - with the wave for foreclosures comes people who will attempt to rip people off and profit from the misfortune of others. One of the most common types of foreclosure fraud is a foreclosure rescue schemes. In a rescue scheme fraud, the suspect identifies homeowners who are at risk of defaulting on loans or whose houses are already in foreclosure. He then misleads the homeowners into believing that they can save their homes if they transfer to the suspect the home's deed and up-front fees or purchase loans through the suspect. The suspect profits by remortgaging the property or pocketing fees paid by the homeowner.
If you are suspected of engaging in foreclosure fraud, call the team of tough, smart New Jersey fraud defense attorneys today at 732-773-2768.


text:
Written on: 21/02/2006 by alexis21 (1 review written)
Good Points
Lots of unique & funky clothes under one roof, affordable prices, sharp and clear pictures, love the style advice offered often works for me, accurate & concise description, questions answered quickly, perfect for those who are into unique style and love to experiment in outfits/ costumes of various subculture genres.
Bad Points
Delivery takes between 2-3 weeks. Difficult to find sizes.
General Comments
Planet Walrus is by far the best online clothing store I've ever discovered. Over 1000 unique street and runway inspired clothing & bags at affordable prices. If you aim to stand out in the crowd for all the right reasons this is the place to go. I currently own over 50 designs from this creative team eversince I discovered it 2 years ago. They add new to die for items on a daily basis and most are one-of-a-kind so when they're gone they're gone, I make it a point to check their site every 3 days just so I don't miss out on good must have bargains. Funky clothes of your dream! Oh they also recently carry sizes L/XL which was rare then. Definately a good move !


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Decision Criteria and case review
Decision Criteria and case review. You must me able to assist with a quality case review on the topic of Business & Information Technology Case Scenario. Please don't apply to try if you are not confident that you can delivery a quality job. This should be easy for someone who knows what they are doing.
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