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Save Rural Angwin
WHY Save Rural Angwin?
A Timeline History…
…of Land Use in Napa County and the challenge to maintain the rural character of Angwin, an unincorporated community on Howell Mountain.
1850 to June 2016 (updated 06/01/16)
: Napa County is formed.
In the early 1900s, the State of California authorized (not mandated) cities to create planning commissions and cities and counties to prepare master plans. Initial zoning law was enacted in 1917. By 1929, those cities and counties that had established planning commissions were then mandated to adopt master plans. In 1953, planning law was re-codified into Government Code 65000, et seq.
Napa County adopted its first Zoning Map. "Zoning" is the division of a city or county by legislative regulations into areas or zones that specify allowable development for real property and size restrictions for buildings within these areas. In Angwin, the Seventh-day Adventist Pacific Union College had been in place since 1909. "Planned Development" zoning was applied "in order for the college to provide necessary services to its students and ensure that the college would be able to grow should the student body increase in size". Note: Land Use Categories (AKA Designations) - a system for classifying and designating the appropriate use of properties - did not come into effect until the 1970s.
The state legislature passed the California Land Conservation Act, better known as the Williamson Act, which allowed county assessors to consider land use in determining the taxable value of farmland. This made it easier for farmers to stay on the land because the income from farming, not the potential for residential development, was the basis for taxation. The Williamson Act gave legitimacy to an idea brewing in Napa County for creation of an agricultural preserve.
Planning and Zoning Law reorganized. Cities and counties authorized (not mandated) to prepare "specific plans" to implement their master plan.
(April): The Napa County Board of Supervisors, by passage of Ordinance #274, created the Agricultural Preserve Zone for the floor of Napa Valley (approximately 25,000 acres). This ordinance was the result of efforts by courageous residents and leading officials to protect the environmental quality of Napa County. Un-swayed by pressures from internal (individual property owners wanting to sub-divide their property for house lots and commercial activities) and external schemes for large developments, they fought to preclude incremental "leap-frog" development and ensure only city-centered, "smart" growth. The Agricultural Preserve established a minimum lot size of 20 acres, replacing the one-acre zoning that had existed. This was the first "agricultural preserve" in the United States and an example that other counties followed; however, very few other counties established the large, minimum-acre building plots that would prove to be the key to preserving farmland. The Agricultural Preserve created scarcity and that increased land values. The 20-acre minimum in the Napa County Agricultural Preserve was soon doubled to 40 acres.
Napa County created its first master plan ("Preliminary General Plan") as authorized by the State.
Beginning in the early 1970s, California's Legislature enacted a series of laws. Government Code Section 65300 requires each county and city to adopt a General Plan, a comprehensive and long-term plan for the physical development of a planning area. The Governor's Office of Planning and Research (October 2003, page 10) states: "The General Plan expresses the community's development goals and embodies public policy relative to the distribution of future land uses, both public and private."
Assembly Bill (AB) 1301 (McCarthy, 1971) made the General Plan the basis of all local development and plan implementation decisions and stated clearly, "County or city zoning ordinances shall be consistent with the General Plan of the county or city…". In 1972, the Legislature passed an amendment defining "consistency" between zoning ordinances and the General Plan. Court cases then further defined that where zoning and the General Plan Land Use categories are not identical or consistent, policies of the General Plan and the Land Use Categories prevail over zoning. The County has the power to change land use category designations and zoning because such designations are not a "property right". Courts have upheld this tenet for well over 50 years.
1975: The first complete Napa County General Plan, inclusive of a Land Use Element, was adopted in 1975. Periodically this plan has been reviewed and updated to reflect changing conditions to keep it timely and useful. A major update was adopted in 1983. It would not be until 2005 that another comprehensive update of the General Plan would be initiated. The 1975 General Plan, as well as subsequent General Plans, contained a required Land Use Map for Napa County establishing land use categories for its unincorporated lands. The Land Use Map depicts the land use policy of the County; it takes a long-term outlook and provides the guide for determining appropriate zoning, designating land use categories for the good of the community as a whole, not for any single property owner.
1980 - December 31, 2000
: Measure "A" was a voter-approved Growth Management System initiative which limited housing growth in the unincorporated area to a maximum of 1% per year. Measure A expired in 2000, but was re-adopted by the Board of Supervisors as an ordinance the same year.
1983: Configurations, referred to as "bubbles" because of their somewhat rounded or elliptical shapes, were drawn by County staff on the Napa County Land Use Map informally designating where rural communities existed in the unincorporated area of Napa County. There were 12 such bubbles. The shapes of the bubbles did not follow topographical contours or property parcel boundaries.
1984 – 1988:
Planning-related litigation heard in the CA Supreme Court and CA Court of Appeal and pertinent opinions of the California Attorney General occurred during this time period that are summarized in the Governor's Office of Planning and Research, "State of CA General Plan Guidelines (2003; page 50)". In general, the legal cases cited address the required level of specificity of the land use diagram (aka Land Use Map) and in essence determined that a parcel specific map is not required, only a diagram of general locations illustrating the policies of the plan. (The "plan" is referring to the Land Use Element of the General Plan).
1990 (November 6)
: Measure "J", the Agricultural Lands Preservation Initiative, enacted by a vote of the people on November 6, 1990, is intended to preserve the County's agricultural lands which have a General Plan land use designation of "Agricultural Resource" (AR) or "Agricultural, Watershed and Open Space" (AWOS). Measure J provides that the General Plan's provisions governing maximum building intensity and minimum parcel size may not be changed within agricultural areas to reduce the minimum parcel size, the intent, or maximum building intensity except by vote of the people. In addition, lands designated as AR or AWOS on the Napa County General Plan Land Use Map may not be re-designated to another land use category except by a majority vote of the people. The General Plan at the time of adoption of Measure J provided for a minimum parcel size of 40 to 160 acres for lands designated AWOS and a minimum parcel size of 40 acres for lands designated AR. The language of Measure J was inserted into the General Plan, and therefore will remain intact and in effect as part of the General Plan unless changed by the voters. Measure "P", a 2008 voter initiative, extended Measure J until 2058. Measure P also included provisions for affordable housing and it increased the minimum parcel size of all areas designated AWOS to a minimum of 160 acres. The minimum acreage (40 acres in AR and 160 acres in AWOS) cannot be changed without a vote of the people.
When Measure J was proposed, numerous competent lawyers (including the Napa County Counsel) as well as 3 of 5 members of the Board of Supervisors declared the measure "flawed" and "illegal". They were proved wrong when Measure J was upheld at three court levels (Trial, Appellate and Supreme Courts). Following the passage and then legal affirmation of the Measure J voter initiative, the 12 so-called bubbles became "frozen" as informally drawn on the County's Land Use Map. Nine of the 12 bubbles had "Rural Residential" land use designations. Two of the 12 bubbles contained portions designated "Urban Residential" with the remainder "Rural Residential". One of the 12 bubbles – Angwin – contained nearly 500 acres designated "Urban Residential".
: The Pacific Union College (PUC) Board of Trustees confidentially voted to examine the potential of developing the unincorporated village of Angwin. Telephone surveys were conducted to determine the receptiveness of some Angwin community members for a development project that would include 1,157 housing units.
: Unbeknownst to the community, PUC entered a contract with Seattle-based Triad Communities, L.P. to develop 700 acres of PUC's land with as many as 600 homes and 11 large agricultural vineyard parcels.
The most current General Plan Update process began in 2005 and continued through 2007, followed by an additional 1-year process (2008-2009) specifically focusing on resolving the bubbles. The process led the Planning Commission and then the Board of Supervisors to enact changes to all 12 of the areas, most notably and wisely re-designating almost 2,000 acres to agriculture (AWOS), including 200 of the 500 acres designated "Urban" in Angwin. The only outstanding question was how to re-designate the remaining Urban Residential areas in Angwin and Pope Creek.
Save Rural Angwin (SRA), a grass-roots community group, came together during the beginnings of the Napa County General Plan Update process. SRA was formally formed in September 2006 as a general Political Action Committee focused on obtaining appropriate land use designations consistent with the rural character of Angwin and with challenging inappropriate development of Angwin. A 12-member Steering Committee was created to guide the efforts of SRA. A 15-member Advisory Council composed of Napa County civic leaders similarly concerned about the conversion of farmland to subdivisions and the conversion of Angwin from a village to a city was established. Save Rural Angwin actively participated in the 3-year (2005-2007) General Plan Update process, influencing goals, policies and text related to Angwin and similar areas. During the General Plan Update process and by invitation of the County, SRA submitted a proposed Angwin Land Use Map to replace the haphazardly drawn Urban Residential bubble with different land use designations better reflecting the interests of the community and the County.
In late 2006 and early 2007, Triad and PUC unveiled their plans in a series of "town-hall" meetings at which they presented development plans for a new commercial center to be built south of the existing 8-acre plaza plus 591 new homes surrounding the commercial area. The community resolutely opposed the intensification of housing and its associated impacts. Over the ensuing years, the housing portion of the proposed project was reduced to 380 housing units (still an unacceptable development impact to the rural community). The project proposal stalled out as the general economy declined and community opposition remained strong.
SRA participated in the year-long Proposed Land Use Map Amendment process (PLUMA) which focused specifically on the so-called Urban and Rural bubbles. A Resolution adopted December 9, 2008, completed appropriate re-designation for 10 of 12 bubbles. Two bubbles, Angwin and Pope Creek, were held out for further discussion because they each had proposed development applications on file with the County. On May 5, 2009, the Napa County Board of Supervisors adopted Resolution No. 09-54 bringing closure to the PLUMA process. They resolved the land use categories for Pope Creek from UR to AWOS in Resolution 09-54. By this same Resolution, the Board re-designated portions of the Angwin area consistent with the historic use of the area (Rural Residential, Public Institutional, and Agriculture, Watershed and Open Space); however, they held out the 100-acre footprint of the Triad subdivision application as Urban Residential to allow full consideration of the application for the "Eco-village" project. General Plan Action Item 114.1 expressed their intent to address completion of the land use designations for Angwin once the "Eco-village" development application was considered. Unfortunately, delaying land use designation on these 100 acres has led to continuing expenditure of more public and private resources in deference of a fundamentally inappropriate project.
2009 (July 14):
PUC notified the County of their intent to re-commence processing of their proposed "Eco-village" 380-unit development project with PUC as the sole applicant and Triad in a consulting role. Work resumed on their proposed project Draft Environmental Impact Report (DEIR). SRA continued to monitor and challenge the PUC/Triad subdivision proposal.
Throughout this time period, SRA participated in County discussion sessions and public hearings, including the County Housing Element 2009 Update process, the Workforce Housing Ordinance for Unincorporated Napa County process, and the Napa Communities Growth Summit sessions.
2011 (June):
PUC, working with the landscape architectural firm SWA, completed a new Campus Master Plan which extends to 2050. The Master Plan has not been made fully available to the public; however, a page from it appeared in the "Offering Memorandum" for "Howell Mountain Estates, Napa Valley" (see "2011" below). In addition to campus development, the rendering showed an all new plaza development south of Angwin Avenue extending towards the existing tennis courts, a "Howell Mountain Square Neighborhood" covering the existing 8-acre plaza area, and housing extending north of Brookside Drive all the way to the existing Fire Station on College Avenue.
2011 (June):
Curt Johansen (formally front-man for Triad Communities, L.P.) became 1 of 5 principals in Sustained Community Partners (SCP) and began working collaboratively with John Collins, Asset Manager, at PUC.
Sometime in 2010 or 2011, PUC quietly appointed Cornish & Carey Commercial Newmark Knight Frank (one of the largest independent real estate service firms in the world) to be exclusive listing agents for the sale of Belleaux Field (adjacent to the northwest end of the Angwin/Virgil O. Parrett Field Airport) plus all property east of the airport. Referring to the property as "Howell Mountain Estates", the listed "offering" and Request for Proposals deemed 600-1,533 acres of land "non-essential" to the core educational mission of the college. The 1,533 acre "offering" provided opportunity to also purchase other lands owned by PUC within the 100-acres of "Urban Residential" designation left vulnerable at the closure of the General Plan Update process.
2012 (January):
PUC's real estate broker informed Curt Johansen that the PUC Board of Directors had selected his proposal. According to Court documents made public in 2013, a letter from PUC to SCP stated that the "College is not negotiating or seeking offers from third parties and has no intention of doing so while it is in negotiations with you. Given the many years that you have dealt with the college, you should take comfort in knowing that the College is open and honest in its actions and communication."
2012 (May 4):
Given PUC's relentless drive over the past decade to "urbanize" rural Angwin and the lack of County action to resolve land use designations for Angwin, SRA was compelled to launch a Napa County voter initiative primarily to resolve the unfinished General Plan Amendment Action Item AG/LU-114.1 concerning "Urban" designated lands in Angwin. The cumulative effects and impacts of building an urban satellite remote from public infrastructure would be very costly to the taxpayers of Napa County. Though General Plan Action Item AG/LU-114.1 committed the County to reexamining the remaining 100 acre designated "urban" area in Angwin and adjusting the boundaries as needed to preserve agricultural uses, the task would not be brought back into discussion until 2014.
2012 (May 7):
The Pacific Union College Board of Trustees voted to affirm its 2002 and subsequent decisions to monetize PUC assets through the sale of up to 1,533 acres of land deemed non-essential to the mission of the college.
2012 (May 11):
PUC released a statement that three land purchase offers were being considered by their Board.
2012 (June):
Even though PUC publically announced in October 2010 the abandonment of their proposed "Eco-village" subdivision development plan, they requested their application with the County be kept open. It was not until June 2012 (following two separate promptings from County staff) that PUC agreed to close their inactive application. A change of PUC Administration and Board of Trustees members, coupled with a change in public policy moving away from "growth-inducing" development to more sustainable options, led to some optimism that PUC might be exploring education and health-based business plans over subdivision developments.
2012 (July 10):
Napa County Registrar of Voters certified the Angwin General Plan Amendment Initiative to go on the November 6, 2012, election ballot as Measure "U". The initiative did not prevail; however, over 20,000 Napa County voters (39.5%) did vote for it. These voters understood that current land-use designation allows for inappropriate urbanization of Angwin which would result in high costs to the County taxpayers. Pacific Union College was Napa County's biggest spender in the 2012 election cycle as it pumped in almost $500,000.00 to defeat Measure U. PUC adamantly and publically declared they had no plans for development of Angwin while at the same time negotiating a confidential Purchase and Sale Agreement with SCP for residential, commercial and agricultural development of Angwin. Had Measure U prevailed, it would have perpetuated the existing land uses and existing environmental setting while allowing redesign and renovation of the existing 8- acre Angwin Plaza area and development of the already approved 191-housing-unit project.
2012 (July):
Sustainable Community Partners received a commissioned report valuing PUC's "vineyard property" between $140,000.00 and $160,000.00 per plantable acre. SCP was introduced by John Collins of PUC to David Abreu who in turn introduced SCP to two fully qualified prospective vineyard purchasers – Goldin Investments, Inc. of Fremont, CA and Artemis (Chateau Latour).
2012 (May) – 2014 (spring):
PUC began submitting Lot Line Adjustment (LLA) applications to the County in May 2012 for lot mergers and parcel reconfiguration. A total of five "ministerial" applications were submitted and recorded over the course of 18 months. A sixth LLA application further adjusts the parcel boundary of the Brookside Affordable Housing site. Such applications are approved based on fixed government standards rather than a public hearing process. The applicant is not required to divulge why they are requesting lot-line adjustments nor what their ultimate goal is intended to be. Only 4 parcels may be addressed per application. A greater number of parcels than originally existed cannot result from the LLA nor can an unbuildable parcel be made buildable by the LLA. At the conclusion of these serial applications and recordation of the parcels, the College had basically isolated all of the lands they deem "non-essential" to the mission of the college, presumably for ease of sale.
2013 (February 13):
PUC and Sustainable Community Partners entered a written Purchase and Sale Agreement for SCP to purchase certain real property belonging to PUC (post LLA parcels) and to develop the land subject to specified terms and conditions that were to be performed or satisfied prior to the close of sale. The base purchase price for SCP was to be $39,500,000.00 for approximately 700 acres of PUC lands. In a separate and simultaneous Purchase and Sale Agreement, SCP was selling the vineyard land (approximately ½ of the lands SCP was purchasing) to a third party for $75,750,000.00.
2013 (February – December):
SCP had received a commissioned report valuing the vineyard property at between $140,000 and $160,000 per plantable acre, "significantly lower" than they anticipated. SCP proposed a revised structure and an extended timeline to resolve issues. One of the issues of concern to SCP was that the Title Report revealed undisclosed encumbrances on PUC's property totally nearly $14 million.
2013 (April 16)
: SCP failed to make a second deposit of $210,000.00 by April 15, 2013 as required in the Purchase and Sale Agreement; PUC terminated the Purchase and Sale Agreement with SCP on April 16, 2013.
2013 (September 24):
SCP sent a letter to PUC stating that SCP believed a dispute existed between the parties and that SCP was entitled to additional compensation ($1.5 million) from PUC. SCP threatened to serve and record a lis pendens (notice of pending lawsuit) against the title to the property.
2013 (December 18):
PUC filed Case No. 26-63129 in Napa County Superior Court to restrict SCP from taking any action clouding title to the property or filing or recording any document against title to the property.
2014 (January 7):
SCP filed opposition papers in court.
2014 (January 17):
Superior Court Judge Diane Price ruled in favor of SCP, rejecting PUC's argument that SCP had no legal basis to file a lawsuit.
2014 (February 5):
The operation of the PUC wastewater treatment plant and reclaimed water irrigation is conducted pursuant to WRR Order No. R2-1991-0162 issued by the California Regional Water Quality Control Board, San Francisco Bay Region. PUC requested West Environmental Services & Technology, Inc (WEST) "to review waste-water management options for PUC with respect to the potential transfer of currently irrigated cropland" through the sale/purchase "of approximately 450-acres of PUC land to Goldin Investments, Inc. of Fremont, CA, including approximately 60-acres of the 102-acres used for fodder crop irrigation". "Portions of the acquired land will be developed for vineyards following transfer." WEST was requested to perform an analysis of the affect of the proposed changes on the water reclamation system and associated compliance with the Regional Water Board WRRs. (REF: 02-05-14 letter to Mr. Dale Withers, PUC from WEST Principal Engineer, Peter M. Krasnoff)
2014 (March 7):
Napa County Superior Court ordered the pending lawsuit removed from PUC's property. The Court granted PUC's motion to remove the Lis Pendens giving PUC the legal victory and removing any claim SCP felt they had to the land.
2014 (June 30):
As of this date, no sale of PUC property is known to have been recorded. Documents such as the one identified in the February 5, 2014 entry above, suggest a land sale is in escrow with Goldin Investments, Inc., pending resolution of certain matters. See also the summary of court documents (Superior Court Case No. 26-63129) relative to PUC land sale starting at the July 2012 entry (page 2 of 9) through the April 24, 2013 entry (page 5 of 9) plus the February 24, 2014 entry (page 7 of 9).
2014 (July):
Today, Napa County has successfully created a viable and sustainable agricultural industry with an annual economic output of $14 billion dollars. Napa County General Plan Goal AG/LU-1 states, "Preserve existing agricultural land uses and plan for agriculture and related activities as the primary land uses in Napa County." In addition to agriculture as the "highest and best use" of the land by Napa County policy, the non-profit Land Trust of Napa County has permanently protected more than 54,000 acres – 10% of Napa County. The people of Napa County have traditionally supported protecting agricultural land and open spaces from inappropriate development; that is why Napa County is unique today in its unspoiled beauty.
2014 (July 22):
The Board of Supervisors' agenda included a public hearing item to address General Plan Action Item AG/LU-114.1 to re-examine the remaining 100- acre "Urban Residential" (UR) area in Angwin left pending at the conclusion of the 2009 General Plan Amendment. The Board took no formal action on July 22, however, following public testimony and board member discussion, directed the Planning Director to draft options for how to change parcels' land-use designations for the five areas being examined. These options are to be presented at a future Board meeting. It is not expected that this item will come back to the Board anytime before March 2015 as there are numerous time-sensitive matters before the Board.
2014 (November 4):
By January 31, 2015, Napa County must adopt an updated Housing Element (HE) to the General Plan that addresses the 8-year period of January 31, 2015 through January 31, 2023. The County's current Housing Element adopted in 2009 has been determined by state Housing and Community Development (HCD) and the Court of Appeal to be in conformance with state law. The Board of Supervisors discussed the draft HE at their November 4, 2014 meeting. The document will be submitted to HCD for review. The final version will be brought to the Board for adoption December 16, 2014.
2014 (December 16):
The Board of Supervisors adopts Draft Final Housing Element 2015-2023. It remains a "Draft" until certified by the State Department of Housing and Community Development (HCD).
2014 (November-December):
Angwin, along with Moskowite Corner and Spanish Flat, are identified in the draft Housing Element to potentially meet housing needs for Napa County. The majority of the housing needs will be met by the Napa Pipe project. This is consistent with the County's land use philosophy of agricultural preservation in the unincorporated area and "Smart Growth" which centers residential and commercial development in the cities of Napa County. For specific information about the Housing Element (2015-2023) and the role Angwin is identified as "serving" in the process, go to http://www.countyofnapa.org/PBES/HousingElement/. Page 12 provides a Summary of Housing Sites Inventory. Pages 32-49 provide specific information regarding each of the four identified housing sites including infrastructure and environmental constraints, water, sewer, and specific building numbers and percentages required related to affordability.
2015 (January – March):
More than a dozen organized preservation/neighborhood groups and concerned individuals from across the county began meeting to discuss land use and the benefits to forming a "coalition" of citizen groups and organizations that would share resources to accomplish the over-arching goal of sustainability of the finite resources of Napa County.
2015 (March 10):
Over 400 people, including representatives of the "coalition" (ultimately known as NAPA VISION 2050) attended a joint meeting of the Planning Commission and Board of Supervisors intended to address "big picture" concerns about Napa County land use, the on-going drought, conservation of watersheds and open spaces, continuing expansion of wineries as "event centers", inadequate affordable housing, and ever-increasing traffic snarling the main arteries in the County. It became apparent that the Angwin land use issue would again be deferred to more "pressing matters". The one outcome of this joint meeting was formation (Board Resolution No. 2015-31) of the Agricultural Protection Advisory Committee (APAC) specifically tasked as an advisory body to the Planning Commission and charged with examining the rules and regulations intended to protect Napa County from urbanization and the commercialization of agriculture.
2015 (August 24) – 2016 (March 1):
After almost thirty-one hours of work in ten meetings spanning four months, the APAC turned it's proposals over to the Planning Commission. From 2015 (September) to 2016 (March) first the Planning Commission and then the Board of Supervisors deliberated the recommendations of APAC. The recommended policies morphed considerably from the original APAC proposals as they underwent review. Ultimately, policy changes from this lengthy process were minimal, however, included clearer legal guidelines and more discreet use of variances; annual self-certification compliance program for wineries; limitations on total development area of residential development within the Ag Preserve and Ag Watershed zones; inclusion of impermeable outdoor hospitality space in the calculations of a winery's accessory uses; and a new streamlined small winery permit. The new rules will take further time to implement and will not impact current winery permits.
2016 (April):
Once again, Pacific Union College (PUC) lists up to 578.5 acres of their land holdings for sale exclusively by Newmark Cornish & Carey; this time the land is aggressively marketed for "premium vineyards and luxurious estate homes with spectacular valley views". (see entry for 2013, February – December) The land offerings lie adjacent to the Angwin Airport (one parcel to the west and four to the east and include the "Mill Valley" and forest eastward of the airport). Potentially 40% of the forested area could be converted to vineyards.
2016 (May):
Over eighty volunteers, concerned by increasing conversion of forests to vineyards in the hills and adjacent to watercourses, collected over 5,000 Napa County voter signatures and filed The Water, Forest and Oak Woodland Protection Initiative of 2016,
, to be brought to the November 2016 ballot.
Compiled as of June 1, 2016; PJ Peterson. All material provided above has relied upon the following primary documents:
State of California, Governor's Office of Planning and Research, "General Plan Guidelines", October 2003.
Napa County General Plan, June 2008, as Amended June 2009.
Napa County Code of Ordinances, Title 17 (subdivisions) and 18 (zoning).
"Oral Histories of Napa County's Agricultural Preserve", A Project sponsored by the Jack L. Davies Napa Valley Agricultural Land Preservation Fund, by Rue Ziegler, Ph.D., September 2011.
"The Ag Preserve History, Napa County's Most Important Element", prepared by James A. Hickey
State of California Government Code
Superior Court of the State of California for the County of Napa, Case No. 26-63129, Pacific Union College (Plaintiff) vs Sustainable Community Partners, LLC, and DOES 1-25, inclusive (Defendant). All Public Record documents pertaining to this case, inclusive of the Purchase and Sale Agreement and Escrow Instructions PUC/SCP.
California Regional Water Quality Control Board, San Francisco Bay Region, Water Reclamation Requirements Order No. R2-1991-0162 and correspondence by West Environmental Services & Technology, Inc (WEST) February 5, 2014.
Napa County Notices of Public Hearings for Planning Commission and for Board of Supervisors.
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The Problem Defined
Managing desktops in large organizations has always been one of the harder tasks of an IT center. People tend to take the phrase 'personal' computer rather personally. They think of a PC as a personal item to be handled as they wish with software and hardware being added and removed at will. This leads to system crashes, incompatibility, viruses and security issues and adds unnecessary cost to managing the IT setup of an enterprise.
A second problem with managing PCs relates to their lifecycle management. Since PCs are purchased incrementally and have a defined lifespan before they are replaced, you will always have a mix of new and old PCs in your environment. This means there will be different operating systems in use. It is not unusual to find Windows XP, Vista and Windows 7 coexisting in organizations.
Application programs present a similar scenario. While most users will always use a basic set of applications such as organizers, email clients and office programs, there would always be several other users with more specialized needs. For example, a group comprising web designers would need a set of specialized tools in addition to those mentioned earlier. There could easily be compatibility issues between some of these applications.
Creating a Standard System Stack
The problems defined above can be handled with using a standard system stack. This ensures that applications are categorized and grouped into families that are tested to work together and that they provide the functionality various users need. A popular method for doing this is known as the Point of Access for Secure Services (PASS).
The PASS system stack is built of three layers.
The first layer is called the "kernel" layer and this is designed to meet all requirements of the average user in an organization. Think of the needs of an office worker when you think of the PASS kernel. It will include the core OS (say) Vista, the networking support, storage, security, communication, antivirus programs and office productivity tools. Since all employees in the organization require this capability, this set is part of every desktop. Quite possibly, the bulk of the employees in an organization will get by with just this set installed on their PCs.
The second layer comprises role based applications and software that are required by certain groups of employees in your organization. As mentioned earlier, the web designers group would have need of specific software. This software is installed as a layer over the basic PASS kernel. Once again this is built as a standardized deployment that is installed for all members of the group.
The third layer comprises ad hoc software that is often used on an individual basis. An example could be a statistical analysis package used by just one or two statisticians in the organization. This is installed individually on user PCs as required.
Finally as the desktop begins to be used, the user begins to create data in the form of various files, presentations, query outputs and the end products of the special software she may be using. If these three key components of a desktop can be abstracted from each other, then the task of desktop management can be made much easier. This is what desktop virtualization sets out to do.
Creating the Virtual Desktop
The virtual desktop is created in two different models. These are the client side model and the server hosted model.
In client side desktop virtualization, the user's PC's own resources are used to run the virtual desktop. Virtualization software is installed on the physical desktop and the corporate virtual desktop is provided either on removable media or over a network. The virtual desktop is now run using the user's physical desktop.
In the server hosted model, the virtual desktop is run over a hypervisor – a software layer running on the server that coordinates the running of the virtual desktops. The device with the user in this case could be a PC or a thin client.
Models of Desktop Virtualization
Four models of desktop virtualization exist.
In the first, the virtual machine is prepared centrally and then written in an encrypted form onto memory sticks, DVDs or other removable media. The user connects the device to his desktop, provides the encryption passphrase and launches the VM. This creates a fully secure, locked down VM that is fully compliant with corporate policies.
The second solution is to use the desktop's processing capabilities to run VMs. The user could use tools from Microsoft or VMware and run the virtual machines on the desktop itself. This introduces a large number of security issues because the solution is not centrally managed. For this reason, this is not a solution that is encouraged and is best used for experimentation and learning but not as a production system.
The third model uses 'stateful' virtual desktops which include centrally managed solutions. There is a server image created and maintained for each user who connects to his own particular virtual machine on the server. Physical instances are created for each user and hence there is a need to provide adequate server space.
The last model is a stateless model where the virtual machine is created for the user from the image on the server when the user logs in. All user preferences and rights are applied at the moment of log in when the user connects to work on the virtual desktop. The desktop is volatile and will be destroyed when the user shuts down. Data created by the user is saved separately in a user directory outside the virtual desktop. All the activity occurs on the server and the user is only seeing a remote desktop hence the response time etc is quite satisfactory. This is the most popular model of desktop virtualization. It is easy to manage, saves disk space and can be updated with ease.
Advantages of Desktop Virtualization
There are a number of advantages of desktop virtualization. These include the following:
In Summary
Desktop Virtualization is a popular method of handling complexity and providing a consistent, safe, stable and secure computing environment in an enterprise. Its benefits increase exponentially with the number of nodes in a network. The stability provided by desktop virtualization frees IT staff to perform more value added functions rather than trying to keep the desktops functional.
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If you're a small business, we salute you. Small enterprises are the engine of our economy, generating innovation, employment and wealth, so your security matters. This guide shows how you can reduce your risks at an affordable price. more

subset: commoncrawl


text:
FHS Wrestling Team Triumphs Over Tremper
On Thursday, December 16, the FHS varsity wrestling team defeated the Kenosha Tremper Trojans with a final score of 45-27.
The meet started out with Tremper winning 0-9, however with 7 individual wins for Franklin by fall and 3 wins by decision, Franklin pulled ahead to win.
Xianiou Xiong, John Xiong, Matt Hoppe, Joel Bonney, Steven Djurina, Brian Lacina, and Gavin Devine won their matches by fall.
The team is currently placed third in conference standings.
The Sabers will be having another home wrestling meet on Thursday, January 30th at 7:00 in the FHS gym. Be sure to come and support them!
Good luck to the team in the rest of their season!


text:
Jillpoke, c. 1900
Contributed by Southern Aroostook Agricultural Museum
"jillpoke" is a term that has various meanings depending on the occupation under discussion. In relation to this artifact, a jillpoke is a device that is attached to the end of a heavy work sled by the ring and the other end left to drag on the ground behind the sled. Fully loaded with logs or other heavy loads, a sled being pulled up hill could pull the horses back down hill. A jillpoke behind the sled, however, digs into the ice and snow anytime the sled starts to slip back down hill so the horses can rest a bit before continuing up the hill.
View/Add Comments
Other Information
- Title: Jillpoke, c. 1900
- Creation Date: circa 1900
- Subject Date: circa 1900
- Town: Littleton
- County: Aroostook
- State: ME
- Media: wood and iron
- Dimensions: 103 cm x 9 cm x 9 cm
- Local Code: 2003.001.43
- Object Type: Physical Object
For more information about this item, contact:
Southern Aroostook Agricultural Museum
1678 U.S. Route 1, Littleton, ME 04730
(207) 538-9604 (Debbie)
Cross Reference Searches
LC Subject Headings
Log transportation
Lumber industry--Equipment and supplies
Other Keywords
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text:
I came to the home of a friend with no expectiations. The moment was for my son to spend time with his friend. Little did I realize I would be given sagely advice. The advice you ask? She said " Each of her children are precious. They are only hers for a little time before they are fully ready to step alone."
God gives us these precious gifts. We are not to think of them as burdens. They are treasures in heaven. Yet as busy overwhelmed moms we often take for greated our treasures.
This day was a reminder to me to enjoy such treasures for they are only mine for a little while. ....
Pslams 127; 3-5
Sons are a heritage from the LORD, children a reward from him. Like arrows in the hands of a warrior are sons born in one's youth. Blessed is the man whose quiver is full of them. They will not be put to shame when they contend with their enemies in the gate.


text:
Give A Gift
Subscriber Services
Two new books, both well-investigated works, merit your attention. The Underdogs by Melissa Fay Greene is a fascinating, absorbing and inspirational read about the power of love to help those in need, while The Dog Merchants by Kim Kavin introduces an out-of-thebox idea involving a rating system that just might change how we get our dogs. Both are out just in time to make it to the top of your summer must-read list.
Greene's book is an examination of the power of the bond between dogs and children with disabilities, but its purview extends much further. The two-time National Book Award nominee interweaves personal stories of children, their families and a few unforgettable dogs with current research and scientific findings on the cognitive and emotional lives of dogs and the human/ canine bond. The main story revolves around a remarkable woman, Karen Shirk, and the service dog academy, 4 Paws for Ability, that she founded in 1998. It was the first organization to train skilled service dogs with public access for young children.
We learn how Shirk's own experience —developing myasthenia gravis as a young adult and being saved by a dog —motivated and inspired her to become a leading advocate for service dogs for young children with disabilities. 4 Paws trains dogs for highly specialized work, including seizure alert, mobility assistance and autism assistance; the goal is to never exclude a child "because a disability did not fit in a box."
Greene profiles some of the families who have been benefited profoundly by graduates of this program; their compelling and uplifting stories pull on your heartstrings. Just how this connection between a dog and a child is established, and what motivates dogs to bond so deeply to their young charges speaks volumes for the intensity of crossspecies attachment.
Some of these dogs are truly are underdogs, adopted from shelters and trained in a nearby prison-based program. In a chapter called "Prison Dogs," we have a good example of how adroitly Greene blends congruent storylines— those of the families and their children with, in this case, stories of the importance of the dogs to the inmates, along with overviews of research into "why humans feel happier in the presence of dogs." Greene is a gifted and caring storyteller, and she gives her subjects the intelligence and warmth they deserve. This all makes for absorbing, pleasurable and inspirational reading.
In Kavin's Dog Merchants, subtitled Inside the Big Business of Breeders, Pet Stores and Rescuers, she investigates the various channels through which dogs are purchased—keeping in mind that there are differences of scale between those who broker commercial puppy sales and those who provide shelter/rescue adoptions. Both, however, involve financial transactions. Her basic premise is that we as buyers need to be aware of our marketplace choices. Through crowdsourcing our views, she says, we might be able to make a difference. "We need to be conscious consumers when it comes to our dogs. None of us likes to think of our beloved dog as a product, but legally and financially, that is what dogs are."
In the first half of the book, she takes us behind the scenes of the commercial dog world, from dog auctions to dog shows like Westminster (of which she is no great fan), breeders and the largescale brokers who provide overpriced puppies to pet stores. The second half focuses on rescuers and shelters, and what makes some of them more successful than others. The book also has a very useful chapter with questions that ought to be asked of breeders or shelters before getting a dog.
Buy from Amazon
The Underdogs by Melissa Fay Greene
The Dog Merchants by Kim Kavin
Claudia Kawczynska is The Bark's co-founder and Editor-in-Chief.
View the discussion thread.
Copyright © 1997-2017 The Bark, Inc. Dog Is My Co-Pilot® is a registered trademark of The Bark, Inc


text:
(Suck at summaries, sorry not sorry.)
It's at school that she first appears, breaking up the fight and saving Camila and her friends from the bullies. They're supposed to be grateful but there's something that infuriates Camila about the magician. Something that irritates her. Her body reacts to her with familiarity, her whole mind goes numb when Lauren touches her, when she whispers to her, and she wants to think she knows her, understand her, but she doesn't. Yet Lauren knows so much about Camila, understands so much and suffers so much to be near her. Because Lauren's in love with her, she's loved her and been loved by her, but Camila can't remember. She's a magnet for danger and Lauren's desperate to protect her, to please her, to make her happy. She wants her to remember her, at any cost, but will bringing up the past be more painful than helpful? And can Lauren protect herself from the girl she's in love with?
*Warning: There are depictions of gore, violence and severe injuries
- cabello
- camila
- camren
- jauregui
- lauren
hdiagg Apr 27
Right, if Laurens going to hell im going to hell. See ya later bîtches, have a horrible time in a Lauren free "heaven"
ilovepandas3981 Sep 07
This is what happens when you let white people near fire Jk but if this ever happens imma kill a bîtch
hxchtq Apr 06
I stoppes reading another book for this so you better be grateful
Smooffer23 Oct 02
Damn..I'm curious af..now I'm bout to read this all night. Wish me luck


text:
Top moments, storylines, performances and MaxPreps' all-state tournament teams
The 42nd annual Ohio High School Athletic Association girls basketball state tournament wrapped this past weekend at the Jerome Schottenstein Center on the campus of The Ohio State University. State championships were awarded in four divisions. Here is what you need to know about what happened…
* Knight Time
Led by a senior class that set a state record with 116 wins (against five losses), Archbishop Alter (Kettering) won its third straight Division II state title with a 58-41 win over Hathaway Brown (Shaker Heights). It was the Knights' fourth straight state final appearance. Seniors Braxtin Miller (Oklahaoma State) and Libby Bazelak (Duquesne) combined for 44 points, 16 rebounds, nine assists and seven steals in the state final. The loss denied Hathaway Brown a state-record tying sixth state title.
* Public vs Private
Three of Ohio's four state titles were won by private schools. Surprisingly, D-IV, the state's smallest classification, had four public schools in the Final Four.
* MaxPreps/OGBR Poll vs AP Poll
Of the 16 teams to make the state tournament, 13 were ranked in the final MaxPreps/JJHuddle/OGBR state poll. How many were ranked in the final AP state polls? 10.
FINAL STATEWIDE BRACKETS: Click Here
* The Mount
Who owns the most girls basketball state titles in state history? Pickerington, defunct South Euclid Regina and…Mount Notre Dame (Cincinnati). The Cougars claimed their sixth D-I state championship and first since 2009 with a 54-44 win over Notre Dame Academy (Toledo) in the final. Head coach Dr. Scott Rogers picked up his 200th career win in the semifinals.
* Five of a Kind
With a 61-41 win over defending state champion Waterford, Hiland (Berlin) claimed its fifth D-IV state title and first since 2008. The Hawks are now tied for second for most state titles (with Hathaway Brown and St. John's (Delphos) in state history. Hiland, the MaxPreps and AP poll champion, tied a state record for made 3-pointers in a D-IV championship game with eight.
* No. 1
Gilmour Academy (Gates Mills) won the first state title in program history with a pair of wins over traditional powers in D-III. Africentric Early College (Columbus) and Versailles entered the state tournament with six titles and nine finals combined, but the Lancers scored 65-54 and 56-54 victories over the Nubians and Tigers, respectively, in the state semi and final. Junior star Naz Hillmon had 16 points and 16 rebounds in the semis and 24 points and 17 rebounds in the final.
STATEWIDE GIRLS BASKETBALL STATISTICS: Click Here
* Big Win
Despite losing in the D-I final, Notre Dame Academy turned in one of the tournament's most impressive wins with a 75-59 semifinal win over previously unbeaten Newark. The Wildcats were ranked No. 1 in the final MaxPreps/OGBR and AP state polls.
* Fantastic Finishes
Both of the small school semifinal games were decided by last second shots. Defending D-IV state champion Waterford beat Jackson Center 37-35 at the buzzer when junior Hayley Duff scored a lay-up. Hiland beat Ottoville 44-41 when junior Kennedy Schlabach hit a 3-pointer as time expired.
OHIO GIRLS BASKETBALL PHOTOS: Click Here
* MaxPreps All-Tournament First Team:
Naz Hillmon, jr., Gilmour Academy
Braxtin Miller, sr., Alter (Oklahoma State)
Libby Bazelak, sr., Alter (Duquesne)
Bre Hampton-Bey, sr., Notre Dame Academy (Michigan)
Abby Voss, jr., Mount Notre Dame
* MaxPreps All-Tournament Second Team:
Dani Lawson, sr., Hathaway Brown (Purdue)
Alli Kern, jr. Waterford
Angela Troyer, sr.,Hiland (Ohio Dominican)
Danielle Winner, jr., Versailles
Julia Hoefling, jr., Mount Notre Dame


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There's a lot to celebrate this holiday season, and I want to take time to celebrate YOU!
Think back to where you were at the beginning of this year. Look at how far you have come. You've discovered more about yourself and have lived true to who you really are. This is something to celebrate!
How has this year changed you? I want to hear about it, so share your story in the comments below!
Affirmation: "I celebrate my true nature, and as I am true to myself, I honor and celebrate the true nature of others."
To kick off this month of celebration, I just launched The Carol Sale! At my biggest sale of the year, you can save on everything I offer, from all items in the Dressing Your Truth Store, to my books and online courses.


text:
Ever wanted to give the sewing machine sitting lonely in the attic a spin? Ever wanted to make bespoke items for your household and family? Ever wanted to have a career in fashion creating amazing looks for the....
A really enjoyable course giving us the basics of mindfulnesss and a chance to p...more
This class is for both those new to sewing and those who would like help with their own projects. Skills covered will include: understanding how to...moreFrom £173.25
Located 7 minutes from Waterloo station.
A course ideal for University entrance Eric July 2017
I Chose to study at Morley as, being a South Londoner, it was my local college. ...more
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This course is suitable for you if you are a beginner or you lack confidence to use a machine. Being able to use a sewing machine is a useful skill...moreFrom £70
City Lit - where London learns
The biggest appeal of the Access Course to me was the speed of it. I didn't want...more
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Become familiar with the sewing machine, learning how to thread up and use the machine safely and competently. Practice machine stitching different...moreFrom £79
I attended this course last Christmas and it was so good it has enabled me to st...more
This badge shows that the course provider you are looking at has scored on average 4 or more out of 5 stars from at least 30 other users who have taken the time to post a review on Hotcourses
Have you been inspired by the latest trend in home sewing, but not sure where to start? Then this is the course for you. Working in small groups, of...moreFrom £495
Friendly, Adult Education Centre in the heart of London. From Yoga to Excel, enjoy a wide range of affordable part-time courses at times to suit you.
Introduction to Diet and Nutrition part 1
This is a fabulous course by Ellie Holly, herbalist and nutrition therapist. It ...more
This badge shows that the course provider you are looking at has scored on average 4 or more out of 5 stars from at least 30 other users who have taken the time to post a review on Hotcourses
This is a beginners sewing course for people who have an interest in sewing and a desire to learn. It is suitable for students who do not have any...moreFrom £104
The Cass is for everyone!
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A perfect course to introduce you to the sewing machine and all it offers. Course aims and benefits: A confidence boosting, two day...moreFrom £90
With a wide variety of courses from one day workshops to longer, more intensive classes we offer something for everyone.
Great course from a highly knowledgeable tutor. Warm and friendly class. Learned...more
Overview This course will help you familiarise yourself and make you more comfortable with your sewing machine - Find out its potential and what...moreFrom £36
Informing and detailed, but only in text and a bit outdated.
The first thing I want to portray is that this course is very informing and deta...more
Learn basic and advanced sewing techniques, a range of machine and hand stitching types, the equipment you need and how to use it, how to measure...moreFrom
Fantastic Indian Cooking class!
Really really great class! Kally is SUPER friendly, organised and a great alroun...more
This course will teach you how to design and make small, fabric items for your home. You'll learn the basics of sewing machine controls, threading...moreFrom £120
At West Dean College, all programmes are taught by practicing professionals, who are internationally renowned in their respective fields.
Break free with a sewing machine and discover a whole new range of exciting and creative techniques you can use to make contemporary mixed media...moreFrom £361
Imtaz Khaliq MBE has been named by Cosmopolitan as one of the four top tailors in London, with more than 25 years experience.
1 day One-to-One Tailoring, pattern cutting, and sewing course
I recently had the chance to spend a day with Imtaz on a pattern cutting course ...more
A 1 day one-to-one tailoring course for all levels from complete beginners to advanced, to suit enthusiasts or professionals. The course will cover...moreFrom £196
ACA was formed over 20 years ago & was started as a result of group discussions among black and other ethnic minority students and families.
I did this class over the summer. It's a small class taught by 2 lovely & suppor...more
This badge shows that the course provider you are looking at has scored on average 4 or more out of 5 stars from at least 30 other users who have taken the time to post a review on Hotcourses
-Introduction to using the sewing machine - a fun and practical sewing skills for Beginners and for those who wanted to improve basic sewing...moreFrom
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Really enjoying the course so far. As i have no sewing experience I was quite ap...more
To learn how to use a domestic sewing machine you can either learn on your own machine or learn on the machine on the course . This is a...moreFrom £35
We offer full-time and part-time courses for everyone; from adult education and apprenticeships to technical and professional courses for 14-18's.
I have attended the beginners and subsequently the advanced courses and have fou...more
This course is suitable for anyone who owns a sewing machine and has an interest in learning how to use it. You will need to bring your own machine...moreFrom £50
Great Course - Learned New Things
I go to college 5 times a week, Yes, the course was what i thought it will be, h...more
This course is ideal for developing your sewing skills. It will cover all aspects of garment making from selecting a pattern to the finishing...moreFrom £70
Very good short course if you like maths!
The teacher was very good, friendly and experienced, always helpful. She would ...more
In this course you will learn the basic steps of using a sewing machine, plus practise sewing seams, darts, fastenings and facings. You will also...moreFrom £140
Started career as cartoonist Eagle Girl Robin and drawing live telling stories B...more
Are you too nervous to start using your sewing machine? Don't worry, we can show you the basics! You can bring in your own sewing machine, or learn...moreFrom £40
I did this one day Saturday course and really enjoyed it. The tutor, Phil, was ...more
Bring your own sewing machine and spend some time getting to know what it can do. Practise the mechanics and make a cushion Click on GET...moreFrom £60
Redbridge Institute is the leading local provider of part-time courses for adults. Each year, 5000 people learn new skills with us.
I came on to this course looking for something new to learn and found my whole o...more
This workshop is designed for adults to learn with children. Learners will develop and further their art skills in a fun and interesting way. Adults...moreFrom £5
You will also gain real work experience which will give you the practical skills and knowledge to form a successful career in your chosen industry.
Excellent staff, and excellent course structure. Really focused on the practical...more
This course is designed for those with no experience in using sewing machines or those who would like to brush up on their skills. Learners will...moreThis course might be free


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Too bad my leather jacket starting to worn out so I need a new one for winter! I have a winter jacket too but something to wear on the meeting or in a casual celebration, you know... Leather Jacket is must have. I was thinking to get a new one this weekend. I found this leather jacket and it was really nice. More cheaper than to buy at the store I guess. So if you are looking for a leather jacket, you might like to check out our boutiqueshop and see if you find something you like! We carry women clothing from dresses, skirts, jackets, scarves and more! Come check it out our page! We also have leather jackets available! You can click the photo below and it will take you directly to my boutiqueshop! Thanks!
Sunday, November 20, 2016
Leather Jackets...
Posted by Femikey
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text:
MyEssayWriting.com - Essay Writing Services.
Yes! Kids can make nature crafts that are fun, great-looking, and easy to make.
I Can Make Nature Crafts will show you how. Using
common household odds and ends, and natural materials from any walk
outdoors, construction is no fuss, no mess, with no complicated
instructions. So open this book, let your imagination and creativity
fly, and let's make nature crafts!


text:
Bank shares soar after 'comforting' statement
BANKING stocks surged and global market appetite for Irish government debt improved yesterday after Finance Minister Brian Lenihan vowed to stay in office as he receives cancer treatment.
Shares in Bank of Ireland rocketed 15pc to €1.52, while Allied Irish Banks jumped 12.5pc to €1.35.
"Certainly, the market is benefiting from Brian Lenihan's commitment about remaining in his role at a critical time. It is of huge comfort," Kevin McConnell, head of research at stockbrokers Bloxham, said.
Meanwhile, the interest-rate premium that international markets demand from the Irish Government for its borrowings compared to Germany, the European leader, continued to fall.
This gap between Irish and German government bonds, which is closely watched by international investors, hit its narrowest level in a year yesterday morning.
This is of huge importance as the Government goes about borrowing €20bn to plug its expected budgetary hole this year.
Bank shares had already been rising strongly ahead of Mr Lenihan's press statement and RTE Radio appearance at lunchtime -- as his intention to remain in office had already been well flagged in the press over the weekend.
A senior Dublin-based stockbroker said: "The minister put in a robust performance today. But it's hard to say whether this is something of a 'Lenihan rally' in the stock market or investors having a flutter on the first day of trading of the year."
He added: "Shares in the banks are likely to remain very volatile over the coming months as investors continue to worry about the amount of capital they will need as they begin to transfer loans at a loss to NAMA (National Asset Management Agency)."
The discounts banks are set to take on their NAMA loans are set to blow large holes in their balance sheets. Mr Lenihan reiterated on RTE Radio yesterday that the State may have to bail out AIB and Bank of Ireland again if they cannot raise the cash from private investors or sales of assets and subsidiaries.
"I know they are looking at how they can seek to obtain (capital) on the markets. But if they cannot do this, then the State will have a greater public ownership of these institutions," he said.
He reiterated a warning from last month that the banks have until the end of March to address their capital needs -- or risk majority state ownership.
"We cannot have any continuing doubts about the viability, about the capitalisation, about the standing of the banking sector. With an economic recovery under way later in the year, we need a banking system that will support that," he said.
Mr Lenihan said he agreed with recent calls from Central Bank governor Patrick Honohan that there should be an inquiry into the crisis.
But he said that any inquiry should wait until the NAMA transfers were completed and the banks were recapitalised.
Irish Independent


text:
GraphicRiver Corporate Business Promotion Flyer 7448386
Category: Print Template | Comment: ( 0 )
GraphicRiver Corporate Business Promotion Flyer 7448386
Print Template \ Flyers
Corporate \ Flyer \ Print \ Template \ Promotional \ Startup \ Multipurpose
Print Template - Corporate Business Promotion Flyer 7448386 by AliIqbal @ GraphicRiver
Print Template \ Flyers
Graphics Files Included: Photoshop PSD; Layered: Yes; Minimum Adobe CS Version: CS4; Print Dimensions: 210x297.
Corporate Business Promotion Flyer
Please Sir Firstly See the Full Screen Shot Then Purchase Thanks
A4 Flyer
Many thanks for purchasing my item from the envato marketplace.
Please don't forgot to rate.
All designs in to design
Corporate Business Promotion Flyer Fully layered PSD 300 Dpi, CMYK Completely editable, print ready Text/Font or Color can be altered as needed All Image are in vector format, so can customise easily Photos are not included in the file
Education Flyer Template /Magazine Ads; Memorial & Funeral Program Flyer Template; Swimming Pool Cleaning Service Flyer Template; Dentistry & Dental Office Flyer Template; Corporate Investment Bank Flyer Template; Dental Care Flyer Template; Senior Care Services Flyer Template .
Keywords: ad, advertisement, advertising, agency, amazing, blue, business, clean, colorful, commerce, communication, corporate, corporate flyer, creative, flat, flyer, fresh, marketing, multipurpose, office, organization, print, print template, pro, professional, promo, promotion, promotional, startup, template.


text:
The calculators encode string to base64 string and decode back to original string. Special characters (+/) , generally produced by base64 algorithm, can be replaced by the data provided in additional parameter.
This parser break GET request string to the parameter-value pairs and decodes URL-encoded sequences, if needed
This calculator generates palette of colors from starting color to ending color, using maximum diversity, "rainbow" style.


text:
Explore STEM Ambassador
Mark is a professional astronomer, author and science communicator working in the University of Hertfordshire's School of Physics Astronomy & Mathematics. He is actively involved in the University's extensive public engagement and outreach programmes. As an Ogden Science Officer, Mark works with schools in Hertfordshire, Suffolk and Essex to improve science literacy within the classroom. He also works with teachers and parents to highlight the importance of physics to the UK economy and the necessity of a broad understanding of science in an evolving job market.
He occasionally makes television and radio appearances as a pundit and has been a science consultant for a number of documentaries, television shows and movies. His current area of research is Star Spots on M-Dwarfs, star formation and ultra-high precision photometry with small telescopes. He also has an interest in star formation, Galaxy structure and the application of Graph and Set theory.


text:
Conditions of use
The PedsQL™ Diabetes Module is a specific module of the PedsQL™
Existing versions: Acute version and Standard version, for Toddlers (2-4 years of age), Young Child (5-7 years of age), Child (8-12 years of age), Adolescent (13-18 years of age) and Young Adult (18-25 years of age)
For Type 1 and Type 2 diabetes
Varni James W
Diabetes Mellitus
Varni JW, Burwinkle TM, Jacobs JR, Gottschalk M, Kaufman F, Jones KL. The PedsQL in type 1 and type 2 diabetes: reliability and validity of the Pediatric Quality of Life Inventory Generic Core Scales and type 1 Diabetes Module. Diabetes Care. 2003 Mar;26(3):631-7 (Full Text Article)
Hilliard ME, Lawrence JM, Modi AC, Anderson A, Crume T, Dolan LM, Merchant AT, Yi-Frazier JP, Hood KK; SEARCH for Diabetes in Youth Study Group. Identification of minimal clinically important difference scores of the PedsQL in children, adolescents, and young adults with type 1 and type 2 diabetes. Diabetes Care. 2013 Jul;36(7):1891-7 (PubMed Abstract)
Nansel TR, Weisberg-Benchell J, Wysocki T, Laffel L, Anderson B; Steering Committee of the Family Management of Diabetes Study. Quality of life in children with Type 1 diabetes: A comparison of general and diabetes-specific measures and support for a unitary diabetes quality-of-life construct. Diabet Med. 2008 Nov;25(11):1316-23 (Full Text Article)
Naughton, M.J., Ruggiero, A.M., Lawrence, J.M., Imperatore, G., Klingensmith, G.J. Waitzfelder, B., McKeown, R.E., Standiford, D.A., Liese, A.D., & Loots, B. (2008). Health-related quality of life of children and adolescents with type 1 or type 2 diabetes mellitus: SEARCH for Diabetes In Youth Study. Archives of Pediatrics and Adolescent Medicine, 162, 649-657.
PROQOLID™ Subscribers
Log in to access the member sectionLogin
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And get access to advanced descriptions of Clinical Outcome Assessments (COAs)!Subscribe
Purchase a limited access to this COA instrument page
This will allow you to view this specific COA page during one active session of 12 hours max starting at your first attempt. Note that if your session is inactive for four hours, your access will be closed.


text: Any good recomendations? Free or not free, doesn't matter. Im looking for a SmartFTP / WSFTP equivalent and something like mIRC from the Windows world. I have found equal or better replacements for everything except these two. Much appreciated, only have had a Mac for 3 months and I love my Powerbook to death. Native Unix for all my computer science projects, yay!


text:
Miss Christina Trailer (2013)
01 November 2013 Drama, Thriller 102 mins
The film is an adaptation of the well known short story "Miss Christina" by Mircea Eliade. Moscu arrived at the mansion with his girlfriend, Sanda, the young artist Egor Paşchievici notes that her entire family worships Miss Christina, her aunt murdered in unclear circumstances when she was just 20 years old, during the riots of 1907. Egor is inexplicably drawn into a portrait of Miss Christina and begins to dream. Soon, however, the boundary between dream and reality is blurred and Miss Christina, love Egor, is brought back to life through occult rituals even by her family. When realized, however, that life is in danger Egor Sanda decides to fight the ghost.
Watch the official Miss Christina 2013 trailer in HD below or find more Miss Christina videos on Vidimovie.


text:
Our Price: £167.33
Heico Aluminium Foot Rest Pedal - LHD
To Fit: Volvo XC90 2003-2014, all models Left hand drive , manual or automatic.
Polished aluminium foot rest pedal with matt finish and rubber inserts.
Unlike other similar products these are TUV certificated and not "just for show"
NB: PFV Heico products are only available to U.K. customers
VAT (Value Added Tax) is charged at 20% on all purchases shipped within the EEC (with the exception of certain items such as books).
1) Prices displayed on this website are VAT inclusive where the selected currency is an EU currency.
2) All non EU currency prices displayed do NOT include VAT.
3) Orders shipped to addresses outside the EEC will NOT be charged VAT, once shipping address is set and you are logged into your website account, VAT is automatically removed from all prices.
4) Orders being shipped within the EEC will be VAT inclusive where applicable.
5) If you are viewing prices in a non EU currency, prices displayed DO NOT include VAT.
PFS Parts Ltd. is registered for VAT in the United Kingdom, VAT no: GB809914994
To accurately identify manufacturer specified vehicle model year (which can frequently be different to year of registration), please enter your 17 digit VIN or Chassis number below. This number is generally located at the base of the windscreen, or on the vehicle documents.
Only Suitable for Vehicles 1987 onwards


text:
BASSFX PRO Volume 1
by: BIG BEARD Studios • 10
All Android applications categories
by: BIG BEARD Studios • 10
RARESYNTH BASSFX PRO Caustic pack. PCM Synth Bass Instruments for Caustic 2.
This pack contains 10 unique PCM Synth presets created from the ground up. Warm, full and lush bass sounds.
These sounds have been made by routing and chaining several different analog synthesizers together.They are useful for DUBSTEP,dnb, Hip-Hop and anything that needs some booming bass.Some of the patches have 2 or 3 bass fx and there are also two mutisampled stacked Moog bass fx included.
Use our BASSFX presets and open up the full depth of Caustic 2.
This is volume one of Big Beard Audio's BASSFX experiments.
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text:
Barcelona are interested in Chelsea attacker Salomon Kalou.
The Mirror says Kalou, 23, is getting increasingly frustrated at Stamford Bridge because of a lack of first-team chances.
The Ivory Coast star has yet to start under Luiz Felipe Scolari and has made just three brief substitute appearances.
Arsenal boss Arsene Wenger made an enquiry for versatile Kalou in the summer and now Barca believe they can lure him to the Nou Camp.


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Traveling Luck for Bevans Chapel, North Carolina, United States
Where is Bevans Chapel?What's around Bevans Chapel?
Wikipedia near Bevans Chapel
Where to stay near Bevans Chapel
The timezone in Bevans Chapel is America/Iqaluit
Sunrise at 07:51 and Sunset at 18:06. It's Dark
Latitude. 34.5847°, Longitude. -78.3842°
Weather near Bevans Chapel; Report from Clinton, Sampson County Airport, NC 54.9km away
Weather :
Temperature: 3°C / 37°F
Wind: 0km/h North
Cloud: Sky Clear
Weather :
Temperature: 3°C / 37°F
Wind: 0km/h North
Cloud: Sky Clear
Satellite map around Bevans Chapel
Loading map of Bevans Chapel and it's surroudings
Geographic features & Photographs around Bevans Chapel, in North Carolina, United States
- basin;
- a depression more or less equidimensional in plan and of variable extent.
- Kings Bay (0.9km)
- Old House Bay (2.5km)
- Tedder Bay (2.6km)
- Thousand Acres Bay (3.9km)
- Tussock Bay (4km)
- Bills Bay (4.7km)
- Hog Bay (5.4km)
- Camp Bay (5.7km)
- Bandeau Bay (5.8km)
- Sikes Ford Bay (6.2km)
- Dog Bay (6.2km)
- Taylor Bay (7.4km)
- Briar Pond (7.7km)
- Smith Mill Pond (7.7km)
- Briary Bay (8.4km)
- Conkill Bay (8.7km)
- Reedy Crossway (9.5km)
- Local Feature;
- A Nearby feature worthy of being marked on a map..
- Bevans Chapel (0km)
- Zion Chapel (7.1km)
- Group Camp (7.6km)
- Lake Creek Community House (7.9km)
- Gibson Landing (8km)
- Jessups Landing (8km)
- Lock Landing (8.5km)
- Coal Mine Landing (8.5km)
- Memorial Monument (8.7km)
- Russ Landing (9.2km)
- Sikes Landing (9.6km)
- Still Landing (9.8km)
- swamp;
- a wetland dominated by tree vegetation.
- Thumb Swamp (3.2km)
- Johns Swamp (5.1km)
- Porter Swamp (5.5km)
- Sloans Bay (6.1km)
- Entry Bay (7.3km)
- Devils Nest (7.3km)
- Colly Swamp (7.5km)
- Murphy Bay (8km)
- Black Creek Bay (8.8km)
- Moore Swamp (9km)
- cemetery;
- a burial place or ground.
- Robinson Cemetery (0.1km)
- Beatty Cemetery (6.8km)
- Smith Cemetery (7.3km)
- Marshall Cemetery (7.5km)
- Barnhill Cemetery (7.8km)
- Johnson Cemetery (8.2km)
- Dyson Cemetery (8.7km)
- Anders Cemetery (9.4km)
- stream;
- a body of running water moving to a lower level in a channel on land.
- Marsh Branch (0.9km)
- Johns Swamp Branch (1.3km)
- McNeill Branch (6.6km)
- Double Branch (7.4km)
- Lake Drain (7.4km)
- Bandeau Creek (7.8km)
Accommodation around Bevans Chapel
- island;
- a tract of land, smaller than a continent, surrounded by water at high water.
- Big Island (7.1km)
- Boat Island (9.4km)
- bridge;
- a structure erected across an obstacle such as a stream, road, etc., in order to carry roads, railroads, and pedestrians across.
- Bevans Bridge (0.7km)
- flat;
- a small level or nearly level area.
- Gingerberry (7.9km)
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Lagoon (6.8km)
- reservoir(s);
- an artificial pond or lake.
- Singletary Lake (7.5km)
- tower;
- a high conspicuous structure, typically much higher than its diameter.
- WECT-TV (Wilmington) (6.2km)
- park;
- an area, often of forested land, maintained as a place of beauty, or for recreation.
- Singletary Lake State Park (8.8km)
Wikipedia entries close to
Bevans Chapel
- White Lake, North Carolina city city o
- Ivanhoe, North Carolina city city o
- Colly Township, North Carolina city city o
- Kelly, North Carolina city city o
- Curtis L. Brown Jr. Field airport airport
- Atkinson, North Carolina city city o
- Elizabethtown, North Carolina city city o
- Garland, North Carolina city city o
- East Arcadia, North Carolina city city o
- Harrells, North Carolina city city o
- Sandyfield, North Carolina city city o
- Clarkton, North Carolina city city o
- Ingold, North Carolina city city o
- Delway, North Carolina city city o
- Bolton, North Carolina city city o
- Riegelwood, North Carolina
Airports close to Bevans Chapel
Wilmington international(ILM), Wilmington, Usa (71.5km)
Pope afb(POB), Fayetteville, Usa (109.8km)
New river mcas(NCA), Jacksonville, Usa (111.1km)
Seymour johnson afb(GSB), Goldsboro, Usa (116.5km)
Goldsboro wayne muni(GWW), Gotha ost, Germany (131.8km)


text:
People need people and friends need friends,
And we all need love for a full life depends
Not on vast riches or great acclaim,
Not on success or on worldly fame,
But just in knowing that someone cares
And holds us close in their thoughts and prayers –
For only the knowledge that we're understood
Makes everyday living feel wonderfully good.
And we rob ourselves of life's greatest need
When we "lock up our hearts" and fail to heed
The outstreched hand reaching to find
A kindred spirit whose heart and mind
Are lonely and longing to somehow share
Our joys and sorrows and to make us aware
That life's completeness and richness depends
On the things we share with our loved ones and friends.
Helen Steiner Rice
(1900 – 1981)


text:
Retail Food Rescue
Millions of Pounds of Food Go Unused Each Year in Minnesota
Second Harvest Heartland's Retail Food Rescue program offers an innovative solution:
partner with retail grocers in our communities to divert food being removed from their store shelves to feed hungry people.
Every day, the professional Retail Food Rescue fleet and our trained food shelf partners collect thousands of pounds of produce, dairy, deli, meat, bakery and grocery items from nearly 500 retail partners. This donated product is distributed to food shelves, soup kitchens and shelters.
Retail Food Rescue accepts perishable and shelf-stable food from all retail categories that meet food safety labeling and packaging criteria.
To schedule a collection or learn about participating in the Retail Food Rescue program, call April Rog, Food Rescue Program Manager, at 651-282-0876.
You're protected
The Bill Emerson Good Samaritan Donations Act is a federal law ensuring that donors are protected from any civil and criminal liability, as long as the product is donated in good faith. In addition, our distribution center is AIB Compliant, ensuring that your donation will be handled safely. We encourage businesses to donate food and grocery products worry-free.
For more information about the Good Samaritan Donations Act, click here.
Many donations of product also are eligible for an enhanced tax deduction under IRS 170(C)(3). Please consult your tax advisor for details.
Funding for Retail Food Rescue is provided by Allianz, Feeding America – Walmart Foundation and General Mills Foundation.


text:
Red and Rosy Trailer (1989)
04 April 1989 18 mins
Drag racer Richard "Big Red" Friedman becomes addicted to a speed-like adrenal drug after a career ending crash and dives into a world of hallucinations and monstrosities. Featuring special effects from Mark Pauline's Survival Research Laboratories.
Watch the official Red and Rosy 1989 trailer in HD below or find more Red and Rosy videos on Vidimovie.


text:
Trending Pinoy Videos shared this post the page said the Jolibee service was very dissapointing but now it was take a leap and change. One of the crew of the Jolibee was helping the old man by serving the food. The Old Man has no arms so that the crew of Jolibee was volunteered to help, many netizens was giving a praise to the crew of Jolibee.
See the Images Below
Picture credits to Marie Zelda Idelle Biteng via Trending Pinoy Videos.
Share this article.
Facebook Comments by Today In Manila


text:
What is the term called? How did this happen?
sort by best latest
That is true. Pangea was a large landmass that exist about 250 to 300 million years ago. The landmass eventually separated into our present day continents due to plate tectonic actions. For example, South American and Africa use to be together. You can clearly see that on any map today.


text:
JOHANNESBURG, Nov 8 (Reuters) A South African court today breathed life into a stalled corruption case against former Deputy President Jacob Zuma, a front-runner in the contest to lead the ruling African National Congress (ANC).
The Supreme Court of Appeal sided with prosecutors and ruled that documents seized from Zuma and his lawyer could be used in future corruption proceedings against him.
In a majority decision, the appeals court overturned a lower court decision that the documents were inadmissible because the police who seized them did not have proper search warrants.
It also rejected Zuma's appeal against another lower court decision allowing the state to obtain documents in Mauritius allegedly connected to the case.
The decisions cleared the way for important evidence to be used in any future corruption trial against Zuma, who remains deputy president of the ANC but is tarnished politically by the corruption allegations.
Bribery and fraud charges tied to his alleged role in an arms deal were dismissed last year over procedural issues. The state vowed to continue investigating and get the documents seized from houses belonging to him and his lawyer into court.
''We are very pleased and welcome the decision by the Supreme Court of Appeal,'' Tlali Tlali, spokesman for the country's National Prosecuting Authority, told Reuters.
''One of the major hurdles (to recharging Zuma) has been overcome.'' POWER STRUGGLE Supporters of Zuma have described the corruption investigation as a political conspiracy to prevent him from winning the ANC leadership and, ultimately, the presidency of South Africa, the continent's economic powerhouse.
The ANC is due to elect a new leader next month. The party president has traditionally become the state president because of the ANC's electoral dominance.
President Thabo Mbeki, who fired Zuma in 2005, has hinted he will run for a third term as ANC leader.
An Mbeki victory would ensure he held significant sway over the party before being forced to step down as the nation's leader in two years' time. If Zuma were to win the party leadership, this would establish two rival centres of power.
The factionalism has led to the worst crisis in the ANC's history and prompted suggestions of compromise candidates, including businessmen Tokyo Sexwale and Cyril Ramaphosa.
The Zuma camp was quiet after the court ruling today.
The ANC said in a brief statement: ''We respect the court's decision. As we have consistently maintained, the law must be allowed to take its course.'' The powerful COSATU trade union federation today said it still backed Zuma for leader of the ruling ANC despite the appeal court ruling.
The ANC's youth league, also seen as a strong backer of Zuma's leadership bid, said its leaders were meeting behind closed doors and would issue a statement later today.
Reuters MS DB1843


text: Hello! When I do debconf-set-selections to set a debconf selection on some package that is already installed, it doesn't actually change that package's configuration, right? To "apply" these changes/selections, I'll have to go dpkg-reconfigure on that package, right? And it won't ask me those questions that I've set the selections for, right? Cheers! -- Shachar Or | שחר אור http://ox.freeallweb.org/


text:
DC Ranch Real Estate
[33.698211, -111.905777] dc, ranch, real, estat, list
(602) 620-2277 8106 East Vista Bonita Drive, Scottsdale, AZ 85255 Monday to Friday : 8:00 AM to 5:00 PM Official site
The Details
Consistently one of Arizona's one of the top-performing realtors, Diane Brennan is renowned for her expertise. Search for homes at DC Ranch Scottsdale, Silverleaf, Grayhawk, AZ.
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text:
Credit Advice
Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!
QuestionPosted in Bankruptcy
Question By
0 People Helped
All Responses
1886 People Helped
Credit report isn't end all be all when comes to informations about our Credit or backgrounds. Bankruptcy, foreclosure, judgement, eviction are matter of public records, they usually remain with whichever county's or State!s actual records for much longer than 7 years, it doesn't get expunged on its own and County/State don't do data purges often at all. I still can find my public records from 1996.
Under certain cases, creditors can request your full and factual report, means everything Credit Bureaus ever had on you from day one. We often use the words like "deleted" or "removed" for items that's no longer on our reports, where in reality, its "included" or "excluded" in our reports, it's not really gone, it's just not be included as part of our report to creditors...
Per FCRA 605 (b)…
(b) Exempted cases. The provisions of paragraphs (1) through (5) of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with
- a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;
- the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or
- the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more.
Reply to this Question
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text:
Read More»
All Product Details
In "Antarctica," a married woman travels out of town to see what it's like to sleep with a man other than her husband. "Love in the Tall Grass" takes Cordelia down a coastal road on the last day of the twentieth century to keep a date with her lover that has been nine years in the waiting. "Stay Close to the Water's Edge" tells of a young Harvard student who is pitilessly humiliated by his homophobic stepfather on his birthday.
Keegan's writing has a clear vision of unaffected truths and boldly explores a world where dreams, memory, and chance have crippling consequences for those involved. The stories are often dark and enveloped in a palpable atmosphere, and the reader feels that something "big" is going on in each of these carefully sculpted tales.
The award-winning Antarctica, a Los Angeles Times Best Book of 2001, and recipient of the prestigious Rooney Prize for Irish Literature, the William Trevor Prize, and the Martin Healy Award, is a haunting debut.


text:
Can anyone tell me the overall best and stable kernel for SGY Stock ROM with itit.d and overclocking support upto 1.2ghz plz? I know that there won't be the best but can someone tell me a good one. Sorry but I'm still a noob.
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text:
West Virginia man facing drug counts
Matthew D. Rhodes, 29, of West Virginia, is facing charges following a vehicle stop in Rush Township on July 3.
Rhodes was driving along Mahanoy Avenue at 12:17 a.m. when he failed to stop for a red light. An officer pulled him over. During the stop the officer found a small amount of marijuana and a marijuana bowl.
Rhodes will be charged with possession of marijuana and possession of drug paraphernalia.


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Can debt collectors call your mother?
Ask a question.
Dear To Her Credit,
Is it legal for a credit collection agency to start calling your mother when you don't answer their calls? She is not listed on anything I have ever applied for. Also, are they allowed to give her any information? This company read out my credit report to her. -- Sandy
Dear Sandy,
While creditors may hope the threat of calling your mother and reading your credit report to her will be effective, it's strictly illegal.
You have a right to financial privacy. Ex-bankruptcy judge and lawyer R. Glen Ayers references the Fair Debt Collection Practices Act (FDCPA), which says that absent express permission from the debtor, a collector may not contact anyone other than the consumer, attorneys and the like. "Contacting your mother about the debt is clearly a violation," he says. "So would be disclosure about the debt. Reading the mother the credit report would probably be an abusive act and could violate a number of other sections."
Creditors can call your relatives in an effort to find you, however. Ayers says, "Contacting Mother to 'skip-trace' is OK as long as the collector complies with Sec. 804 [15 U.S.C. sec. 1692b], which limits the number of calls, bans the collector from disclosing that the person owes a debt and requires the collector to identify himself and state that he is confirming or correcting location information on the consumer."
One reason this creditor is harassing your mother is that you may have stopped taking the creditor's calls. While I advise people not to talk on the phone to bill collectors, it's important to take the right steps to make the calls stop. Instead of looking at caller ID and just not answering the phone, pick it up and tell the collector not to call you again. Then, download a basic cease-and-desist sample letter, fill in the blanks and send by certified mail with receipt requested.
If you want to push the issue with the abusive bill collector, you can find a lawyer who specializes in the FDCPA. According to the FTC website, the judge can require the debt collector to pay you up to $1,000, even if you can't prove that you suffered actual damages. The collector generally pays your attorney's fees and court costs.
Enforcement of regulations over debt collectors is in flux at the moment. The Consumer Financial Protection Bureau has published new rules on how it will oversee the largest debt collectors. Those CFPB rules for large debt collectors kick in Jan. 2, 2013. You can also report any problems you have with a debt collector to your state attorney general's office and the Federal Trade Commission. Your state may have additional laws, which you can find on the website of the attorney general's office for your state.
You can't avoid a creditor forever, though. Once you've stopped the phone calls, you should resolve the debt or face further consequences. Collectors can garnish your wages, place liens on your property and pile more negative marks on your credit report. And even without the phone ringing, that debt is still hanging over your head, causing you stress and possibly keeping you up at night.
The best way to resolve your debt depends on a number of factors, including whether it is a legitimate debt, whether it is past the statute of limitations in your state, your ability to pay the debt and whether you need to consider bankruptcy.
Your decisions for dealing with this debt and any other debt you have can affect your financial life for years. If you aren't sure what your options are or how to proceed, an accredited counseling agency can help. Choose a credit counselor from the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.
See related: How to handle unethical debt collectors
Meet CreditCards.com's reader Q&A experts
Does a personal finance problem have you worried? Monday through Saturday, CreditCards.com's Q&A experts answer questions from readers. Ask a question, or click on any expert to see their previous answers.
- Will my issuer close my card accounts when I retire? – If you keep the cards open and active and pay on time, having a reduced income shouldn't cause an issuer to close your accounts ...
- One late card payment: What's the credit damage? – Even with an optimal credit history, your score can drop almost 100 points just due to one mislaid bill ...
- How to get repaid for charges on a card you lent out – Allowing someone to use your card is worse than giving them access to your checking account as you can lose money you don't have yet ...


text:
Ever since moving to New York City five years ago, Mo Watkins has held at least three different jobs at any given time — sometimes as many as five, working 85 hours a week — to make a living as an actress. She's currently an office assistant at Business Insider and offered to answer a few questions about how she's managed such a hectic schedule.
What are your most recent jobs?
Freelance personal assistant, accounting for an investment banking firm, accounting for a freelance cinematographer, and office assistant.
How did you find all of your jobs?
I went through Lambent Services, an agency that staffs professional personal assistants. I used to be a full-time professional assistant for an actress — that's how I got into it.
I've also done catering and waitressing and promotional modeling. I do fit modeling, where if a company needs someone with your exact proportions — say, J. Brand — they'll hire you for a specific job. When I first moved to New York City, I worked as a waitress at Ruby Foo's in Times Square. It was hard work, but I've never wanted a 9-5.
What did your schedule look like?
Something like this:
Waitressing: 11 a.m. – 4 p.m.
Catering: 6 p.m. – 11 p.m.
Quickbooks (accounting): 12 a.m. – 3 a.m.
Or, more recently:
Quickbooks: 5 a.m. – 8 a.m.
Business Insider: 10 a.m. – 5 p.m.
Quickbooks: 6 p.m. – 10 p.m.
That's a lot of racing around the
Yes — going from Brooklyn to a few different locations in Manhattan, then back to Brooklyn throughout the course of a day. Sometimes I've commuted to Harlem.
What does it mean to be a professional personal
It's a lot of things to a lot of different people. Some forget that you don't know what they know. People hold you responsible for the outcome even when you're not responsible for it, which can be difficult. But we're hired — and well-paid — because they trust that we will just figure it all out.
And you're also pursing a career as an
I've been paid to do industrials — for example, a nurse training video. I've also worked on student films, and others like "Concentric" and "Forgetting The Girl."
As an actress, you're told to take any work that comes your way. Once I answered an ad on Craiglist from a guy who considered himself a filmmaker in New Jersey. He's a bodybuilder, and extremely ego-centric, so the whole movie was revolved around him, with lines like, "Now, let's go work out." He has photos of himself for sale on his website. I didn't take that job.
How many jobs are you working right now?
I just quit two jobs. I burned out. I hate quitting. But I just have to remember that I'm completely replaceable.
How did you know you had to
When I realized I didn't have any time to memorize my lines. I'm an actress. I was perpetually stressed. I was also hired for more hours at Business Insider. Doing more work for the same people is better than not as much for multiple people.


text:
Tina and I went to France on vacation for two weeks at the beginning of July 2005. We spent most of our time cycling in the French Alps, and watching the Tour de France. I'll summarize the details of our trip here. You can see pictures from our trip by clicking here.
Continue reading France Trip 2005.


text:
NOVELIST and screenwriter Frank Cottrell Boyce has scripted an episode of the Doctor Who series that features the voice of Peppa Pig.
Cottrell Boyce, who wrote the opening ceremony for London 2012, said he was "flabbergasted" to be invited to work on the show.
The episode, to be screened later this year, features a cast of young actors including Harley Bird, who landed a Bafta for voicings animated character Peppa, as well as Abigail Eames who featured in The Crimson Field, Ashley Foster from The Woman In Black and Jaydon Harris-Wallace. Cottrell Boyce's films have included 24 Hour Party People, about the Manchester music scene, and the Danny Boyle-directed Millions.
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text: Any beautiful lady's wanna message my wife on Kik n that's in Texas n get her on board for 2 guys 2 girls or more? Or watever u like she's already liking the idea just needs that extra push! Well and a sexy lady that gets her all hot n bothered...hit me up!!