text:
Steve McShane, Jace Warkentien take diamond for WIU
Even with a pair of locals playing pretty well to start the season, Western Illinois has sputtered to an 0-11 start to the baseball season. Junior outfielder Steve McShane (Freeport), also the Leathernecks' starting tailback on the football team, is hitting .345 with a team-high three doubles and three stolen bases. Freshman Jace Warkentien (Winnebago) had three early-season appearances for WIU, walking three and striking out three while accumulating an 11.57 ERA in 2.1 innings pitched. Heading into this weekend's three-game homestand against North Dakota State, WIU has been shut out in four of its first 11 games. The Leathernecks scored just 29 runs while allowing 67.
University of Dubuque (Iowa) senior wrestler Quincy Kalkbrenner (Lena-Winslow/Stockton) lost a heartbreaking match for third place and an automatic NCAA Division III tournament qualifying spot by a 6-5 score at 157 during last month's regional. His teammate Ethan Cain (Polo) took fifth and just missed out on a national-tourney bid at 197.
Two other local wrestlers — Coe College starters Brady Wilsie (Byron) and Nate Olsen (Dakota) — bowed out just before the D-III nationals last week. Sophomore Wilsie went 11-5 at 125 this season, falling one win short of qualifying for the nationals. He is 27-7 with 14 career falls at Coe. Olsen, also a sophomore, went 8-13 at 157. He is 21-13 with 10 pins overall.
NIU's Whyte qualifies for nationals
Northern Illinois junior Jehvania Whyte, a Jamaica native, returned from the NCAA Track and Field Championships on Saturday an All-American after taking eighth place with a new triple jump school record of 43-feet-5¼. "I am overjoyed for Jehvania," said Connie Teaberry, NIU's director of track and field. "Witnessing Jehvania going through struggles and not give up the last two years makes today extremely rewarding." During the indoor season, Whyte broke her school record in the triple jump seven times over the course of nine meets. She tied the school record in long jump, and then beat the record at the Mid-American Conference Indoor Championships, where she was named the 2018 MAC Indoor Female Field Performer of the Year. She ends her junior-indoor season as the first Huskie to compete in the NCAA Indoor Championships and become an All-American. Whyte and her teammates — which includes former Rockford Lutheran sprint state champion Courtney Sockwell — will begin the outdoor season in two weeks.
Jay Taft: 815-987-1384; firstname.lastname@example.com; @JayTaft


text:
Top 10 reasons to work in Security
Working in security can be a challenging job but it is also incredibly fulfilling. There are lots of roles available and you will have lots of opportunities to build up your experience.
Here are just 10 of the best reasons to work in security.
1. You Will Make People Feel Safer
At large events or even just on a night out, people tend to feel much safer when they can see people working …Read More
Common SIA Misconceptions
The Security Industry Authority (SIA) is responsible for regulating the private security industry in the United Kingdom. On their website, you can see that they have two clear objectives:
We have two main duties. One is the compulsory licensing of individuals undertaking designated activities within the private security industry; the other is to manage the voluntary Approved Contractor Scheme, which measures private security suppliers against independently assessed criteria.
While the goal of …Read More
Security for Special Events
What is security for special events?
Planning a special event is never easy, as you will no doubt have a long list of things to do and organise. But due to an ever-changing risk landscape, security should always be one of your top priorities.
Although this might seem a little daunting or difficult, it can be successfully managed and maintained by a specialist security company. That way, you are able to concentrate …Read More
Jag Security take part in "flash run" in Hampstead Heath with Anthony Joshua
Anthony Joshua, also known as AJ and the current holder of the IBF heavyweight title, is set to defend it for the second time at the Manchester Arena on 26th November (currently Joseph Parker is likely to be his opponent) and, as part of his preparations for the upcoming fight, decided to invite the public to join him on a run around Hampstead Heath. Arranging the event, which was part …Read More

subset: commoncrawl


text:
Health & Wellness
China will soon rule the world in processed food consumption
Take Part
Fri, 27 Sep 2013 17:16 UTC
China has been called "The Middle Kingdom," and Napoleon famously referred to the country as "The Sleeping Giant." Maybe China should be renamed "The Processed Kingdom" and its people "The Eating Giants."
China will soon overtake the United States in a rather dubious category: It's poised to become number one in the consumption of processed foods.
Euromonitor International estimates that in terms of volume, the Chinese market for packaged processed food like ready-made meals, and junk items like cookies, chips, and soda will surpass America's by 2015 - 107 million tons of packaged food in China, compared to 102 million tons in the US.
Did you do that math? With a population of 314 million, the United States still out-eats China's 1.4 billion people in terms of processed foods per person by a 4 to 1 margin.
Just like America, processed food consumption is having its effects on China's population. Twelve percent of China's adult population - 114 million people - have diabetes, causing complications such as cardiovascular and kidney disease, as well as strokes, that experts say amount to a "major epidemic."
American presidents may talk about exporting democracy, but we've had far better luck getting other nations to adopt our fast food-eating ways. In China alone, McDonald's now has more than 1,600 restaurants, and Bloomberg reported last year that the fast-food chain generates around 22 percent of its revenue from franchises in the Asia Pacific region, the Middle East, and Africa.
The food is taking its toll. The 2012 Singapore Chinese Health Study, which surveyed more than 50,000 Chinese Singaporeans between 45 and 74 years of age, found that eating Western-style fast food - including burgers, fries, pizza, fried chicken, hot dogs, and other types of sandwiches - on a regular basis significantly increased the risk of diabetes and coronary heart disease.
In terms of packaged foods, the Chinese appear to especially love their cookies, almost all of which are imported from abroad. Last year, the Chinese cookie market was worth more than $24 billion, according to IbisWorld, ballooning more than 21 percent in the last five years.
But lest we pick on the Chinese, they are by no means the only country that succumbed to the convenient lure of Western-style fast food. A study released earlier this year found that for the first time ever, sales of fast food items like pizza and hamburgers surpassed those of more traditionally French foods.
"In the land of gastronomy," France's Le Point magazine declared, "fast food has become the king."
Reader Comments
also entails that you are killed by convenience, (processed foods, aka "food") & materialistic scientific dogma. Not to mention all the rest, psychopaths aren't just anti-human, they're anti-nature.


text:
The Craving Change program is coming back to Unison.
Craving Change™ provides cognitive-behavioural tools, activities and strategies that address the universal struggle to change problematic and emotional eating behaviours.
Some of the key themes of the program include:
- Understanding WHY individuals eat the way they do
- Learning ways to comfort oneself without food
- Changing thinking habits to change eating habits
Tokens and snacks will be provided to participants.
Call 416-645-7575 EXT 2715 to register
Group Details
Date: Thursdays (October 24 – November 21, 2019)
Time: 1;30-3:30 pm
Location: Keele-Rogers Site (1651 Keele Street)


text:
Motion Flood Light Installation
Proper flood lighting enhances your daily quality of life and the value and aesthetic appeal of your home. It is also a courtesy to and safety feature for your guests that helps protect you from someone getting needlessly hurt on your property. Good lighting discourages criminals. Why "invite" any "uninvited guests" when you could dissuade them with proper outdoor lighting? Our technicians often install security lighting after a senseless act of vandalism or a frightening home invasion. If you have bad lighting, don't delay on getting new lights.
Our technicians recommend installing them at pathways, gates, and parking areas. Motion lights in these areas will provide light right where you need it and prevent you or your guest from being injured. For security purposes, we recommend placing lights near rear doors and in your back yard, side yard, and areas around your home that are not regularly watched or easily observable.


text:
Inductee: George Scott
George Scott has enjoyed a long and highly successful career in professional wrestling, both as a competitor and then as an executive with the WWF (now WWE), one of the top organizations in the history of the sport.
Born in Scotland, he was raised in Hamilton, Ontario, and participated in amateur wrestling as a youngster. His professional career lasted nearly 30 years and included such major titles as AWA world tag-team champion (with his brother Sandy) and Southern Heavyweight champion. He was a headliner all around the world, particularly in the eastern United States.
Upon retirement from the ring, Scott became a very successful booker, helping create Ric "Nature Boy" Flair, Sam Steamboat and the Ultimate Warrior. He also became vice president of the WWF. Scott has been involved in many charitable events and was instrumental in the start of the Eblen Foundation in Asheville, NC, which helps underprivileged families.


text:
An urgent appeal to Israeli authorities to construct a high-tech fence around the Jewish cemetery on Har Hazeisim was issued by the International Committee for the Preservation of Har Hazeisim, headed by Avrohom Lubinsky. The call came after some 50 graves were desecrated in the chelka of Gur on Rosh Hashanah and on Sukkos. Amongst the graves desecrated were those of Agudist leader Harav Yitzchak Meir Levine zt"l and Harav Yisrael Dan Taub, the Modzitzer Rebbe zt"l.
The first Knesset member to visit Har Hazeisim after the Yom Tov desecrations was MK Rabbi Yisrael Eichler (UTJ) who has been very outspoken about the lack of a police response to the wanton desecrations by Arab thugs. Rabbi Eichler was joined by Jeff Daube, a member of the Israel branch of the ICPHH as well as Meir Eichler, a member of the Board of the US based ICPHH. Rabbi Eichler was shocked and outraged at what he found. He toured the Ger Chelka where the worst desecrations took place as well as other areas of Har Hazeisim. Despite being accompanied by police and other security officials, Arab youths threw fireworks at him which landed at his feet. Security officials responded with teargas. MK Eichler also saw busted fences, downed burnt out surveillance cameras, and garbage strewn everywhere, reminiscent of the way Har Hazeisim was prior to the large investment by the government that began in 2010 to secure and beautify the cemetery.
In response to the latest developments on Har Hazeisim, Mr. Lubinsky said that as one of Judaism's holiest sites and the burial site of more than 150,000 Jews from throughout the ages, there was as much a need for security for Har Hazeisim as the Kosel Hamaravi and Kever Rachel. He added: "It is unfathomable that Jews should not be able to rest in peace even after death in Yerushalayim and that visitors to the kevarim of their loved ones and tzaddikim should be stoned." He noted that the Committee's efforts to install 137 cameras and a police sub-station over the past four years were apparently insufficient in keeping Arab terrorists away from the mountain. As many as 12 cameras were destroyed by the terrorists prior to their Rosh Hashanah rampage to prevent the cameras from capturing their despicable act of destroying tombstones.
ICPHH officials are recommending the construction of iron gates around the Jewish cemetery with several access points to be controlled by security officials. Arab schoolchildren callously trample on graves to and from school. Many Arab vehicles routinely use the narrow Har Hazeisim roads as a shortcut to their villages. Construction material is often carted through the cemetery. While there are short walls around most of the cemetery, they are easily breechable and in some instances the walls are open affording Arab hooligans easy access to graves.
Lubinsky said that "most cemeteries around the world are routinely fenced in and that the lack of such a fence is an open invitation to the kind of vandalism we have witnessed over the Yomim Tovim." He noted that the Arabs in the most recent desecrations burnt the wires of surveillance cameras rendering them useless. " They have no business on Har Hazeisim and we will do whatever we can to protect the kedusha and kovod hameis on Har Hazeisim," he said. Lubinsky revealed that the Committee was planning to send a high level delegation to Israel to press for the fencing.
While praising MK Eichler for his concern and immediate visit to Har Hazeisim, Mr. Lubinsky said: "I wish I could say the same for the other Knesset members who appear to be passive in the face of this disgrace happening in their own back yard and in Yerushalayim Ir Hakodesh."
The Committee was hoping that the Government would use some of the NIS 300 million it recently approved for security projects in East Yerushalayim to build the fencing. At the same time it was pushing forward with its agenda to build a Visitor's Center and shul, the restoration of 20,000 graves destroyed during the Jordanian occupation (1948-1967), a new transportation hub, a promenade, signage and many other projects. It is also pushing tough new legislation which would mandate stiff jail sentences for perpetrators of crimes on or near a cemetery.
{Matzav.com Israel News Bureau}


text: Ruttger's Birchmont Lodge offers something for everyone. There is an assortment of grilled steaks, seafood, pasta, and other entrees, as well as, burgers, sandwiches, salads, and of course a "kids" menu. Seating is available in the lake-side dining room or outside, on the deck overlooking Lake Bemidji. OPEN YEAR ROUND Advance reservations are not required, but are appreciated. To make a reservation please call: 218-444-3463.


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Love the detail on this top. I'd probably pair it with colbolt bottoms, a slick, super long ponytail and bold, winged eye-liner for a subtle yet graphic look. Perhaps I'll pick this up for my upcoming b'day celebrations… :-)
Tag Archives: zara
I Want | Mock Croc
Last Sunday Me and El decided to frequent Westfield's Shopping Centre. It's been a while since we did a trip together; it appears as though we have swapped our usual indulgences for a whole load of gym'ing, shocking! :) One thing I noticed was a micro trend of mini handbags that has found its way into high street shops. Zara, in particular, currently have a lovely little range of minuscule bags with this Mock Croc Leather piece being my favourite. How cute is this?!
Outfit – New Year's Day
Outfit – Pink Puff
Happy Friday everyone! Hope you all had a wonderful time with your loved ones last couple of days. And to think about it we still have a week of festivities left!
You know me and fur! This Zara fluffy vest is made of dreams. Its warm …so soft…I am in heaven every time I wear it! And i don't care that i look like a one massive marshmallow :)
What I wore to Office Christmas party
Unlike a lot of my colleagues I do love an office christmas party! It's a perfect time to mingle with your friends, have a few drinks and perhaps talk to new faces that you've never had a chance to speak to. This year we had our Christmas get-together in a pub by Tower Bridge, so perhaps i was a little over dressed, but hey, it's that time of year when you can get away with it!
My Zara TRF dress with layered skirt is still available online, but now only in navy, which i think still makes it a banger of a dress!
Outfit – Casual Cool
Outfits in transit
I'm off to Switzerland tomorrow for two days. Literally a flying visit; I'll be back home on Sunday evening. This time I'm much more excited as there's a whole heap of fun and good company waiting for my arrival. When I lasted visited back in July it was sunny skies and birds tweeting. What with tomorrow being the first of November I'm expecting it to be straight up cold! I've decided to play it smart and prep a few outfits; a skill I like to think I have mastered over the years. I already showed you what I'm wearing on Saturday in this post. Clearly I'm planning on the defying the weather… haha! In transit, I'll be keeping it pretty snug and standard in…
Outfit one: (Elena added the suggestion of knee high socks with this – genius!)
Outfit two:
Outfit one:
Long sleeve tunic – Topshop; Chunky boots – H&M; Fedora Hat – H&M; Faux fur tote – & Other Stories
Outfit two:
Shiny bomber – Topshop; Polo-neck (my winter staple!) – H&M; MOM jeans – ZARA; Air max 'Thea's' – Nike
Hope you guys have a great weekend. Live it up!
Outfit Inspiration: All that Jazz!
Happy Wednesday!
So glad it's the middle of the week; it means we're getting closer to all important Friday! I've decided to throw a night of ping pong this coming Saturday at good ol' Bounce in Central London to commemorate finishing uni. Should be fun! Not that I am planning on wearing the above outfit there of course! Imagine that?! No, no, no! But I did order this dress from River Island last night and I'm thinking of wearing it next weekend. I'm going to Switzerland again just for two days for a night out. Loving the improvisation on the top half of this dress – it should work quite nicely for a hard-meets-soft transitional look that's not too dressy nor casual. I'll keep it dressy with some saucy stilettos but play it down with an open, slightly oversized bomber jacket. And make-up, I'm going to go for a more flawless look by using a range of bronzers, gloss and illuminators rather than something heavy. Let's hope I don't start singing 'I woke up like this!' Haaaa, we'll see how this works! Have a great day beauts!
Items above:
Bodycon Dress – River Island; Bomber Jacket – Topshop; Stilettos – Zara
Outfit: Textured Black
Happy Monday!!
A fitted top, structured skirt and minimalistic heels – sometimes you've just got to keep it classic and clean. The drop in the temperature has encouraged me to play with texture instead of colour. So today, I'm keeping it simple with a little black number. Couldn't resist a hint of colour though, hence the nails. Bisous beauts, have a great day!
Wearing: Black Shirt – Similar here; Structured Skirt – H&M; Hollywood Heels – ASOS
My Best Purchase of the Season
If you could only buy one thing this season, what would it be?
For me it has to be a versatile coat that I can wear everyday and with absolutely anything. And a few days ago I found one!
Zara coat with fur lapel and patch pockets
This colour is a dream cream – goes with anything and gives my complexion a boost. Since I already have a black coat for the Autumn this is a good alternative.
Lovely fur lapel is detachable which means I don't have to wear it until it gets frosty. Perfect coat or what!?
Zara track sole leather platform heels
My partner in crime, Adi, has the best taste ever. She got these sexy platform heels for my birthday and I have worn then every single day since then! Don't let the platform deceive you, they are incredibly comfortable. Soft leather strips wrap around your feet like a hug. They are perfect heels to be jumping over puddles with this autumn. Thanks Adi!
Sales Edit
Sales have come to the high street! Don't you just love a good bargain? I decided to be very organised and check them out before all the good stuff is gone. Here are the items that I have added to my basket.
1. Zara top with necklace 2. Goldie of London gold sequin skirt 3. Topshop chiffon frill sleeve dress 4. Topshop floral one shoulder dress 5. Zara slingback pumps 6. Zara pencil skirt with pleated hem 7. Topshop stipe lace crop dress.
Outfit: Leopard Print Trousers
I love a great animal print and these leopard trousers from ZARA are exactly what I craved for this summer. I really like the fact that the pattern is a touch darker on the back – working wonders on my behind! But it seems that all trousers cut differently making the gradients appear different on each pair. I have decided to offset the straight trouser cut with black peplum top from ASOS, Bershka heels (old) and a gold ring from NEXT.
Added to my Wardrobe: Fringed Messenger Bag
How cute is this bag?! I absolutely love it, and the fringe adds a perfect dose of quirk. The combination of chain and leather detail makes it a lovely transitional piece that I'll happily be taking in to a/w 2014. El bought it for me as one of the many birthday gifts she gave me last week. I had the most amazing birthday this year. Me and my friends celebrated by having dinner at Stef's Italian in Oxford Circus (highly recomended!), followed by a few cocktails at the London Cocktail Club. Probably my best birthday yet, I feel so lucky! This weekend me, El and another one of our good friends are going to hop on the Eurostar and take a trip. We decided to book a flying visit to beautiful Paris and our aim is nothing other than to indulge in its quaintness. Naturally photos will follow. For now though, happy Friday!
Added to my wardrobe: Zara Printed Sandals
Another animal print addition to my shoe collection. I could not resist taking a pic of these printed leather sandals from Zara as soon as they came out of the box! These sandals are a perfect summer staple! I will be wearing them with my mini messenger bag in leopard print, also from Zara, here. Don't you think they will look great together?


text:
Posted: Saturday, September 24, 2016. 8:59 pm CST.
By BBN Staff: According to this weekend's Amandala, 42 cases of Zika have been confirmed countrywide, with 341 more suspected.
Of these, five women have been diagnosed with zika and 21 pregnant women are suspected to have the virus which can cause microcephaly, and other fetal brain defects.
The Ministry of Health is scheduled to have a press conference on Tuesday next week to provide an update on suspected and confirmed cases of zika in Belize.
The ministry continues to focus its surveillance on pregnant women who can pass on the virus to their child.
According to the newspaper who spoke with Dr. Russel Manzanero, the acting director of the Epidemiology Unit at the Ministry, around 50 percent of the cases have been reported in the Belize District and particularly Caye Caulker and Belize City.
The Cayo District has a quarter of the documented suspected cases, whereas the northern districts have the fewest suspected cases. While there are 21 suspected cases in the North, only 1 has been confirmed.
The Stann Creek and Toledo districts jointly have seen 9 confirmed cases.
In related news, dengue which is also spread by the aedis aegypti and aedis albopictus mosquitos remains more severe according to Dr. Manzanero, with over 3 thousand suspected cases of dengue recorded, thus far, for 2016.
Аdvеrtіѕе wіth thе most visited news site in Веlіzе ~ Wе оffеr fullу сuѕtоmіzаblе аnd flехіblе dіgіtаl mаrkеtіng расkаgеѕ. Yоur соntеnt іѕ dеlіvеrеd іnѕtаntlу tо thоuѕаndѕ оf uѕеrѕ іn Веlіzе аnd аbrоаd! Соntасt uѕ аt firstname.lastname@example.com оr саll uѕ аt 501-601-0315.
© 2016, BreakingBelizeNews.com. This article is the copyrighted property of Breaking Belize News. Written permission must be obtained before reprint in online or print media. REPRINTING CONTENT WITHOUT PERMISSION AND/OR PAYMENT IS THEFT AND PUNISHABLE BY LAW.


text:
Presenting: George Anderson
Jenny, the Blindman & I
We stroll intimately
with locked arms
up Symonds Street
up to the Thai Archer
the Blindman quietly
humming a tune
any tune
which pops into his head
the songs simply appear
he can't explain why
He feels her nails scratching his
plaster cast & he halts cattle like
at the corner. He prefers the early
bop phase of jazz- music as impro-
visation. Music as making it up on
the spot. Totally living for the moment.
Only seven days before he was strumming
Junior Wells' blues classic
'this old fool' in his lounge room
with such uninhibited vigour
that his wrist cartilage frayed
from the bone on his right
arm. the doc diagnosed that
after the Blindman had fallen from
the ladder eight yrs ago- the
surgeon had bolted his muscles
incorrectly from the inside. he
keeps the titanium screws & bolts
by his bed in a small plastic container
I was thinking such abstruse thoughts as
Jenny, the Blindman and I approach the
roundabout at Royal Oak- the smell of pad pak
& kfc wafting into the crisp autumnal air.
Man Arrested Over 300 Dead Cats in Freezers
I guess this is as good a place
as any to start this poem. Now
I've got your attention let me
discuss the underlying matter
at hand. How do you attract
a contemporary audience which
invariably runs a mile when they
hear the word poem or literature
or any of the other derogatory terms
associated with self reflection and
which do not make any reference
to face book or ebay or their self
obsessed friends who purchase
skim lattes and gym subscriptions
on credit? But I am straying from the
topic here like take this poem this
piece of art. I'm making what I am
doing now look easy. As if anyone
any moron can do it. Look no hands.
For instance the notion I am making
there appear a sense of form where
none exists. If you have simply
skimmed this poem before turning
the page you have missed out. You
have denied yourself a shrewd and
capricious insight into the artistic
process. Capricious. Now that is
some ugly word. Delete it. Backspace.
The question remains: How do you
make this dead canary of a poem
sing? What if I threaten to strangle
it with my bare hands and what if
when it finally tweeps it comes out
type type dissonant as if the canary
really didn't want to sing, that it sees
itself forced screaming & kicking onto
the page wanting simply to exist without
any formal desire to understand the big
issues. To contemplate reality. And what
if I fed the bird a special pharmaceutical
treat to help pump up its lungs and what
if it just sat there its wings flapping madly
in the gust of my anger I'm yelling at
the dumb being: 'No more bullshit, man.
I don't care if you are note perfect. Or
even whether you can hold a recognisable
tune'. I tell you mate I just want my canary to
sing with some sense of itself. If its song is ugly
I really wouldn't care. An ugly beauty that's
what I want. An ugly beauty in which the
people of the small towns & streets will drop
their ipods and look up in awe and be trans-
figured. No that sounds too pompous. Delete.
Italics. Man, I just want my canary to sing its
heart out. I'll wrap a microphone around its
puny yellow head and blast its cheeps through
youtube and if you dear reader are interested
in purchasing a CD of its melodic meanderings
kindly click on the title above and note to send
cash preferably in large American denominations.
The Furnace
is fragile
in his bent
shrunken shape
finicky foundry
calloused hands
grown soft
reaching out
for pills
plastic cup
water to
Grandad quit
smoking way
too late
when he
could not
his lungs
sacks like
the coal
he once
Grandad keeps
the window
keeps his
past like
old folded
his breaths like great oceans
trickling in gasps of oxygen
The Hypnopedic Rantings of Helmholtz Watson Upon His Triumphant Return from the Icelandic Sub-Centre
You belong to me bitch
'History is bunk'- my ass
Take a reality pill- for the immediate intensification of consciousness
(simply swallow)
Mending is actually better than ending.
Original thought for the day: 'No pain, no gain'.
Multiple choice quiz:
Aldous Huxley is:
(a) a didactic chronicler of humanity with extremely poor eye sight
(b) a celebrity dropper of acid
(c) my father
A Do It Yourself Rhyming Poem:
The World State sux
Pneumatic Lenina ____
TRUE or FALSE
John Savage likes best to:
(a) down Soma
(b) grossly parody Shakespeare
(c) self flagellate
FORD YOU, FORD OFF, Mustapha!
A short piece of emotional engineering:
When you are hurt & upset
Words can be like x-rays
Penetrating the truth
Transforming our alpha selves
Terence On His Deathbed
We receive an urgent call
after midnight
they reckon Terry is dying
his kidneys are packing up
His son Kerry can't make it this time
he's been through the vigil before
heard the empty prayers
heard the whisperings about inheritance
We sign an indemnity form
requesting no further treatment to be made
as usual, he lies there inert on the bed
his mouth propped open
In the ward I hold his hand
& he bursts spontaneously into song
the words garbled, fragmented
songs from the Pacific War
There is a foul stench in the air
Terry opens his eyes temporarily
& in a sudden flush of consciousness
he yells out: 'I'VE SHIT MYSELF!'
On the 7th day
Toe- the oracle asks once again-
What of celibacy, the adoption of orphans
Is this all we have endeavored to achieve?
What good the collection plates?
What good the luster of the pulpit?
What good the gift of tongues?
To perfect holiness
And to crescent shaped gods
Worked crudely into tropes
And to the grinding axis
And to the stars/ to the wind
To every mouth making mad prophesy-
The drunken stoic
The ecstatic lap dancer
The psychotic wild rose
To her humble utility
To her simple gifts
To her trance inducing gyrations
Toe- the oracle asks for the penultimate time-
What good is moral certitude
When love lies elsewhere?
Questions and Answers
Q)'Dancing On Thin Ice' your latest chapbook is now available through erbacce press. The interesting cover art places an iconic Australian animal in a Canadian wintry setting. The reverse of this is that you the man born in Canada currently lives in Australia. How big of a role does 'place' play in the book?
GA)Montreal was an amazing place to grow up in and features in about fifty of my poems but I consider sense of place as marginal in this collection. My real intension is to explore the quirkiness and pretense of human behaviour. I've included a diverse range of stock underground characters in this book- a spurned lover, a midget, a sperm donor, a 821 pound woman, a crazy hippy, a vasectomy patient, a violent prisoner, an alcoholic with the DTs and others. The settings are usually explicit but the poems are essentially character driven. Experimental poems like 'The', 'Pride & Prejudice', 'Road kill' and 'Beerwigs' transcend place because they are written to provide a satiric comment on art, literature and the creative process.
Q)How do you put your poems together, do you go into a writing session with specific ideas or do you riff on the page?
GA)Each poem is unique and the process never follows a set pattern. In 'Art' the speaker/ poet explains to a fan during coitus 'I just write the stuff/I don't pontificate about it'. But of course there is more to it than that. Poetry is a conscious process in which every aspect needs to be shaped for the intended audience. In 'The' the speaker has spent a whole lifetime trying to rewrite one sentence but he can't get beyond the word 'the' because there are too many possibilities and if he continues the sentence it will inhibit the creation of other meanings. I'm starting to sound like a literary critic but my point is that as a writer you need to learn to combine a sense of spontaneity with the conscious artistic act. I rarely sit down to write unless I already have an idea in mind. Sometimes it simply consists of a title as in 'Man Arrested Over 300 Dead Cats in Freezer' and it just pours out. Other times as in 'On the Road' in the new chapbook I am shaping personal experience from an amalgam of incidents and the editing process can be arduous. My poetry has the semblance of autobiography but is essentially fictional. The poems I write for the children's commercial market and my political poems usually require more extensive drafting and research. Over the next two weeks, for example, I intend to research and write a poem about Aboriginal children playing in asbestos tailings in a remote mining community. My use of free verse format makes it easier for me to shape the material.
Q)Working as a teacher are you ever conflicted by the responsibility of teaching others when you yourself are still learning about life?
GA)Hahaha! Good question. Ummm.. I guess if you knew more about the specific content of the chapbook 'Dancing On Thin Ice' you wouldn't be asking many questions related to my teaching. The chapbook is influenced by underground poetry and contains some sexual references and strong language which is not appropriate for under 18s. I carefully separate my adult writing from my work as a teacher. Anyways, I always thought I wanted to teach but I realised I needed to gain other experiences before I took it up. I left Montreal when I was 23 because of the ongoing separatist debate and lived in Vancouver before heading for New Zealand and later Australia, mainly in Sydney. I started teaching in my early thirties in a large working class school near Penrith. In the fifteen years before this I had a wide variety of jobs including factory work in a ski manufacturing plant, storeman in the navy, scrubcutter, tobacco picker, flesso in a shearer's shed, truck driver, conveyance officer, will maker and administrator of deceased estates, archivist, advertising agent for Claude Neon, youth worker. I even had a stint in the Canadian Grenadier Guards changing the guard at Parliament House in Ottawa. If you are an open and perceptive person you will always be learning more about life. Every day I learn something new in class and I feel extremely privileged to teach some of the brightest 17-18 year old minds in the country.
Q)You edit the student literary magazine 'Ephemeral', tell us more about this?
GA)At the end of 2002 two of my students came first in the State in two separate English courses. An amazing result for the young men. The Sydney Morning Herald, the largest circulating paper in Australia was trying to contact me later that day. I went to the beach. The principal told the paper I was a poet and my name 'George Anderson, poet' appeared on the front page of the Herald the following day. This was picked up my Maxine McKew of the now defunct national magazine The Bulletin. She is the same woman who defeated the former Prime Minister John Howard last year. At the time I had only published about 15 fairly rudimentary poems. Later in 2003 my poetry was improving and I decided to launch a poetry journal to feature the best poetry written by students at the school that year. It would give me valuable experience in editing, formatting and cover design. I formed a poetry group. Alan Wearne the iconic Australian poet from the University of Wollongong and his students, including Bonnie Cassidy, Tim Cahill and Michael Andrews also helped by conducting a number of workshops. The journal Ephemeral is now in its fifth print edition and my students help out with formatting and poem selection.
Q)Having had your work featured in numerous publications what advice would you give to a young writer who is looking to get a few publishing credits to their name?
GA)My advice to young writers seeking publication is to write what you want, when you want. If you want to get some of your stuff published read the work of others and learn from it. With so many publishing opportunities today especially on the net the important question is what do you do with the poems and what you hope to achieve by writing the stuff? I'm still grappling with that one every time I write.
Q)Are there any poets currently knocking about whose words you enjoy reading?
GA)I love reading poetry especially on the net because of its huge variety and rawness. At the moment I'm drawn to innovative alternative writers like Justin Hyde, Karl Koweski, Rob Plath, Misti Rainwater-Lites and older poets like A.D. Winans, Stephen Dunn, Jack Hirschman, Greg Glazner and John Tranter. In Australia I enjoy the experimental writing coming out of Cordite, Overland and Famous Reporter but many writers today seem obsessed with obtaining a PHd and consequently much of the writing is remote and overly academic. There are no sites in Australia remotely approaching the likes of Zygote in My Coffee, Word Riot, Lit Chaos or Gloom Cupboard for that matter.
Q)Through poetry what do you want to achieve in the next five years?
GA)I don't set any goals regarding my poetry and as Mike Estabrook has pointed out you are only as good as your last poem. One step at a time. Later in the year I will publish a 73 page book through Perspicacious Press which will feature some of my best writing for children. I have also recently compiled a mainstream collection 'Earth & Sky' and hope to get this accepted before the end of the year. I probably have enough alternative material for another chapbook or two. Beyond that I'll just try to keep cranking them out and see what happens.
Where to go next


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"As a distinctive Christian doctrine, the Trinity is considered as a divine mystery beyond human comprehension to be reflected upon only through scriptural revelation."
"The doctrine of the Trinity is an absolute mystery. It is primarily known, not through speculation, but through experiencing the act of grace through personal faith."
Now, it would appear to me that both God and Jesus are summed up in these passages as beyond human comprehension and an absolute mystery. If this is so, then what should we make of Jesus' comment (during the closing day of his life) to his Father regarding his disciples?
"Now this is eternal life: that they may know you, the only true God, and Jesus Christ, whom you have sent." John 17:3
He had with him at that time all twelve of his disciples.
"I have revealed you [the Father] to those whom you gave me out of the world." John 17:6
So from these two verses it is plain and irrefutable, that Jesus has revealed the true nature concerning God to his twelve disciples. Jesus plainly said that he had done this. We should be able, therefore, to derive from the Gospel records, and from the Old Testament (which Jesus used as his reference text, as indicated by his frequent references from it) what Jesus taught concerning God. God is one
Jesus' own statement from the verse quoted above is a good starting point:" that they may know you, the only true God" John 17:3
The word 'only' means 'being the one specimen; single; sole', and is a translation of the Greek wordmon~" [monos] meaning 'alone, without a companion'(Greek-English Lexicon of the New Testament, Thayer, 1977 edn, p418). To provide backing to his belief, Jesus quoted from the Old Testament.
"Hear, O Israel, the Lord our God, the Lord is one." Mark 12:29
Jesus was here quoting from what the Jews referred to as the Shema, the relevant passage being:
"Hear, O Israel: The LORD our God, the LORD is one." Deuteronomy 6:4
(It is claimed that this passage supports the Trinitarian concept of deity, since the word translated as one [ehad] can express a compound unity, rather than yahid, which means a single one. Such wishful reasoning however was never supported by the Jewish people, nor by Jesus' own quotation as noted in Mark 12:29, and as further noted above.)
The person whom Jesus was addressing recognised this in his response.
" 'Well said, teacher,' the man replied. 'You are right in saying that God is one and there is no other but him.' " Mark 12:32
There are a number of passages in the Old Testament giving the same message.
- "You were shown these things so that you might know that the LORD is God; besides him there is no other." Deuteronomy 4:35
- "This is what the LORD says–Israel's King and Redeemer, the LORD Almighty: I am the first and I am the last; apart from me there is no God." Isaiah 44:6
- "How great you are, O Sovereign LORD! There is no one like you, and there is no God but you, as we have heard with our own ears." 2 Samuel 7:22
- "To whom will you compare me or count me equal? To whom will you liken me that we may be compared? Remember the former things, those of long ago; I am God, and there is no other; I am God, and there is none like me." Isaiah 46:5,9
- "No one is like you, O LORD; you are great, and your name is mighty in power." Jeremiah 10:6
- "I am the LORD; that is my name! I will not give my glory to another or my praise to idols." Isaiah 42:8 and 48:11


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Let's step away, for a moment from our typical discussion of how you can sell Event Tickets. Rather, let's examine whether you may, in some cases, want to give away Event Tickets. Of course, your concert, performance, or other event is you product, and you do want to sell and make money from it, but, in the long run, you can get quite a bit of mileage from giveaway offers.
A friend of mine runs a circus troupe, and has had excellent luck offering a free Event Ticket to patrons who bring a certain number of paying guests. Clowns and other performers walk through the town on the day before the show, providing free advertisement for the circus, and offering interested parties a coupon for free admission if they convince 3 friends to attend the evening's performance. This increases attendance exponentially! Some venues will also offer 2-for-1 deals. If you are having trouble filling seats, this is an excellent way to expand your base and encourage those who otherwise could not afford a ticket to become a fan.
If your event is to be large, or part of a bigger constellation of events, consider some form of corporate sponsorship, in which the purchase of a particular item nets the consumer a free ticket. Again, this helps to generate interest in your show and can be mutually beneficial for you and the company with which you enter into this agreement. Local businesses may be willing to work out such a deal, as it will increase their traffic.
Completely free tickets are ideal for events where there will be vendors, including food and T-shirt sales, along with corporate sponsors. Waive the cost of admission and your guests will have more money to spend on concessions, souvenirs, games, rides, and other features of the event. Or, offer free tickets to a particular group whose attendance would help your organisation: doctors for a health event, for instance. Free tickets for veterans, students, or children can also help.
Selling Event Tickets can be hard work, but giving them away is easy!


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Lavender farm closing
A third generation family farm set in the heart of the beautiful Cotswold Hills overlooking Broadway and the Vale of Evesham.
The Cotswolds are known around the world as a classic view of the English countryside. Their long association with the farming community has given the Cotswolds their name, 'cot' meaning sheep enclosure and 'wold' meaning hill.
The Cotswold escarpment of Oolitic limestone was pushed from the tropical seabed around 150 million years ago. It is this same stone that gives the houses their golden yellow hue.
Whilst the sheep have shaped the landscape for many generations, other crops also flourish on the free draining limestone soils.
Lavender growing started here back in 1999 with just a few plants. The lavender loves the free draining limestone soils 1000 feet above sea level giving the best growing conditions for the best quality English Lavender Essential Oils.
The lavender has thrived here and we have kept planting more every year. We now have over 40 different varieties, some 140 miles of rows and over 500,000 plants in total.
At the peak of the summer sunshine the lavender is harvested and distilled by traditional methods and aged for a year before use.
via https://www.cotswoldlavender.co.uk/the-farm-fields


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How to Curate Great Content for Facebook
How to Curate Great Content for Facebook Does hearing the words "Facebook content" immediately tire you out mentally? Do you cringe at the thought of having to drum up original posts every single day? Let's be honest. Nobody really wants to do that. And there is an easier approach to Facebook content curation. It's what we call the 70-30 approach: posting 70% original content and


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Hello there,
So, i've been having this problem forever, but had always being able to turn it around by restarting the system sometimes but now not even that is working.
After I set the triple monitor (same size and resolution) eyefinity (5760x1080), and then proceed to ajust the bezel compensation, it ALWAYS goes for 6336x1080, ignoring my calibration at all times (that is something about 5880-5920x1080). So i only have the option of using no compensation at all or this huge compensation resolution that makes it completely unusable.
As i stated in the first paragraph, it used to accept my FIRST calibration after restarting, and only then it 'bugged' to that stuck setup, but now not even my first calibration is working, so i can't get to play how i used to with triple monitor.
Driver is up to date 19.2.3 (i always updated to try to get out of a present stuck resolution situation), but there problem is here for more than a year (since i started using).
GPU is Radeon R9 200 series
CPU is AMD FX-8350
I need a way to get out of this stuck cycle and let the driver accept my calibration normally or even a way to set the resolution behind the monitors border by 'hand' (inserting the number), because 'custom resolution' tab won't allow that either.


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So I am linking up with Jenn for her first link up, Photo Inspiration Friday. She has an awesome blog, and you all should check it out!
I am feeling bad, because I didn't get to link up right away yesterday due to my step dad's graduation for his Master's Degree was going on, so my blogging had to go on pause! Luckily the link was still open! YAY!
Happy Saturday.
So my inspiration is my grandparents. This photo is my most favorite photo EVER. Seriously. My grandparents were married for 65 YEARS!! They are the most amazing people, and their love story is beyond amazing, and I'm thinking about blogging about it. The reason that this is bittersweet is I lost my grandma about a month ago. Its been really hard, especially on my pop-e. But this picture captures the love and fun that they had. I hope you enjoy it! :)


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Sip in style with the Nuova Simonelli Cappuccino Cup and Saucer set. With a set of 6 cups and matching saucers, they're the perfect set for holding your favorite pick-me-up.
For over 80 years, Nuova Simonelli has provided premium espresso machines and accessories across 18 product lines. Their innovative designs have improved on performance levels, greater versatility and easier use with each generation. Home of the Musica and Oscar lines, Nuova Simonelli products carry a badge of quality that shows in both the construction and the coffee they produce.
|Nuova Simonelli Cappuccino Cup and Saucer - Set of 6
|Nuova Simonelli


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One of the highest-rated signees as part of Houston's early class has decided to head in a different direction.
In mid-December, Levi Williams signed on as part of UH's 2019 recruiting class. Thursday, the quarterback announced on Twitter that he has "decided the best thing at this time is not attend the University of Houston."
Between Williams' December signing and today, Major Applewhite was fired and Dana Holgorsen left West Virginia to take over. The Houston Chronicle noted that Williams met with Holgorsen earlier this week in San Antonio.
Williams is a three-star 2019 prospect, rated as the No. 40 pro-style quarterback in the country. Only three of UH's 14 early signees were rated higher than Williams, and just one, wide receiver Ife Adeyi, comes from the offensive side of the ball.


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Yes, we ship to anywhere in the world.
We ship from Hong Kong.
It's free shipping.
Yes. You can enter your credit card details after you've selected the number of units you want to buy. You can click here to proceed to the buy page.
Yes. You can enter your PayPal details after you've selected the number of units you want to buy. You can click here to proceed to the buy page.
We ship your uHoo unit the next business day. The amount of time it will take to deliver to your address would vary based on your country. It normally takes 5 to 11 business days on average. Once the courier picks up your order from our warehouse, you will receive an email with your tracking number so you can track it.
We would need your complete address in order to ship you your uHoo.
Yes. We process shipment the next business day. Once the courier picks your order up from our warehouse, you will get the tracking number in your email. Please check the spam folder, just in case it goes in there.
Please visit our Partners page here to see who the local resellers in your country are.
We offer seasonal promotions from time to time. Make sure to like us on Facebook, Twitter, and Instagram and subscribe to our newsletter, so you get updates about exclusive offers.
uHoo has a one-year limited warranty. You can view our warranty policy here. Please feel free to contact our Support Team for further questions at firstname.lastname@example.com.
Please reach out to us on firstname.lastname@example.com


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Instantly in as little as 20 minutes
Our Process
Choose Loan AmountSelect from a wide list of options you can choose from.
Enter Your DetailsProvide your information to start your application.
Processed & ApprovedResults are generated in minutes. Get approved and get your money.
Best Loan Companies that Have Direct Lenders in the United States
When borrowing money, there is almost an endless amount of things to take into consideration. There are your credit score, your source of income, the type of loan you want to borrow, the amount of loan you'll borrow, what type of financial institution you'll approach and finally which company. To prevent the hassle, this article gives you the top 3 loan companies.
Here's a backstory. SoFi actually started as a company for student loans. Naturally, it evolved into a loan company that best matches the necessities and situations of most young professionals. Aside from issuing loans, SoFi also provides help with financial management as well as life insurance services. When getting a personal loan, the only fee you'll have to worry would be the interest cost. The rates are typically in the range of 6.99 to 14.99. In addition to student loans and personal loans, they also issue mortgage loans.
Marcus by Goldman Sachs
This company is oversaw by a Wall Street tycoon and is a best fit for those looking to consolidate their debt as well as other personal loans. In addition to loans, Goldman Sachs also offers savings accounts to clients. Loans come with both fixed monthly payment and fixed interest rates. The loans are offered in short to long loan terms, with the longest in 72 months. Lastly, Goldman Sachs does not charge any other fees such as origination fee or a prepayment fee.
If credit card consolidation is at the top of you priority then it may be good to check out Payoff. From the name itself, this company is targeted at providing loans for consolidating loans. However, as opposed to the aforementioned, this loan company charges an origination fee, typically of about 2 to 5 percent of the amount of your loan. However, the good thing is they do not charge other fees such as early payment or late fees.
Can I Get Payday Loan if I work Part Time?
Working less than 40 hours per week is a common scenario among people these days. When it comes to borrowing, lenders are likely to see you not so much in a good light. The irregularity of your hours and the inherent income you earn from these hours might make you more of a risk if they are to grant you a loan.
However, this shouldn't mean that you cannot take out a loan. You will find that despite your less than 40-hour work week, there are lenders that will be happy enough to lend you money. As long as you can show proof that you get a regular income every month and that the money you're earning should be enough to cover the loan costs, a number of specialist lenders will be happy to overlook the fact that you aren't regularly employed.
Increasing Your Chances of Approval
There are things that you can do which should make you less risky to a lender. Before you decide to fill out a loan application, take note of these things as they can certainly help the whole process less stressful on your part. This might even speed up the approval too.
Make sure you meet the lenders minimum income requirement. If you find that what you're earning may be less than the minimum, it would help to find side jobs and other money-making opportunities that will increase the amount you're taking home every month.
Stay with your employer. Despite not being considered a regular employee, it would help your cause if you have been with the employer for a long time. This creates an impression that your finances are stable thus, making it easier to convince the lender to let you borrow money.
It does not hurt to call the lenders and find out exactly what their loan requirements are for a part-time employee like you. This should clear out any doubts on whether they can or cannot assist you and will also be a chance for you to find out what their loan requirements are so you can get everything ready before filling out their loan application form.
Frequently Asked Questions
What Is Payday Loan?
If you need cash on the same day, payday loans is the right choice. Payday loans are unsecured loans with convenient and easy payment method. It's a small cash loan that allows you to get the funds instantly. Repayment options can be tied to your next paycheck or if you wish to pay in advance, that works too.
What is Guarantor Loan?
For those who doesn't have good credit, applying for a guarantor loan is recommended. Guarantor loans, as the name suggests, requires a guarantor before the loan is approved. The guarantor takes over if in case the borrower fails to meet the repayment terms.
How Fast Can I Have The Money?
Applying for a loan won't take you hours. As a matter of fact, you can have it done in as fast as 15 minutes. All you need to do is to complete an online form and have it submitted. In just a few minutes, you'll get the results and the money is automatically deposited to your account.
Do I Need Good Credit?
No. You are eligible to apply regardless of your credit line. Most lenders would prefer borrowers with good credit but it is not a requirement. You can apply for a payday loan and use it to slowly build your credit.
Thinking of getting a loan? Wait no more! Get the funds you need fast. Our services are guaranteed free-of-charge. What are you waiting for? Apply now!


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For more than a century, we have consistently provided innovative, reliable, high-quality products and services. Our mission is to connect people with their world, everywhere they live and work, and do it better than anyone else. We're creating new soluti
Twitter: AT&T
LinkedIn: AT&T
Facebook: AT&T
Youtube: AT&T
Ownership / Organization Type: Privately Owned
Tax Status: Full tax
Minority Owned: Unknown
Woman Owned: No
# of Employees: 0
# of R&D Personnel: 0
# of Support Personnel: 0
# of Professional Services Personnel: 0
Company Uses Contractors?: Unknown


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Swarm Commander 2 oz.
Swarm Commander contains a blend of oils that mimic the natural pheromone "Nasonov" which can attract swarms.
To use, spray two or three sprays directly on your inner cover or telescoping cover. Also spray twice on your bottom board. Repeat weekly or as needed.
0 stars based on 0 reviews


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National Gallery EnglandEngland National Gallery
The National Gallery (@NationalGallery) #???????
? ??????? www.com, www.com. com, www. com, www. com. com. com. com.
Nationalgalerie Shop, London
As we use the personally identifiable information you give us: When you give us your consent, we will e-mail you about 2-3 monthly e-mail-upates regarding new items, service and specials. From time to time we will publish the latest news from the gallery and our cafes and restaurants. Like we keep your private data safe:
All of your data will be kept securely and we want to make sure that you know why, how and where we use your data. Every e-mail you get also contains an opt-out link. The National Gallery is supported by every acquisition.
hours of operation
One of the largest painting galleries in the wolrd is housed in the National Gallery. Free entry 361 nights a year. Photographs in the gallery are in the open and free of charge. Free guidances, audioguides in several different tongues and free fun for families for any age.
The Nationalgalerie is free of charge. For temporary shows the following fees apply: Free-of-charge entry to the museum and some temporary exhibits. Fees will be charged for larger loans.


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Brunelle DELATTRE
Brunelle Delattre was born on January 4, 1992.
She holds a master's degree in law from the Université Libre de Bruxelles since June, 2018 and obtained with distinction.
She has been a lawyer at the Brussels bar since October 2018.
She usually practices civil law in general and more specifically property rights.
She speaks French and English.


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The following forum(s) have migrated to Microsoft Q&A:
All English Windows 8.1 IT Pro forums!
Visit Microsoft Q&A to post new questions.
Apologies in advance if this is not the right area. I was directed here by a Support Engineer in the
Microsoft Community forum. If this is not the right place, please let me know the best place to post this question.
The question presented on domain PCs after clicking 'Settings > Change PC Settings > Accounts > Connect to a Microsoft account' is:
Which PC settings from your Microsoft account do you want to sync with your domain account?
The options are:
Start Screen
Desktop personalization
Apps (list of apps you've installed)
Passwords (apps, websites, and networks)
App Data
Language Preferences
Ease of Access
Other Windows Settings
Web browser (open tabs, history, and favorites)
What I'm looking for is more information about all these options. For example, what is synced with a domain account when the 'App Data' or 'Other Windows Settings' boxes are checked? Those are very vague descriptions, and I'm trying to figure out
what exactly is synced when these options are selected.
Based on my research and test, the settings and preferences can be synced between them. When you check "App Settings", the settings in your app can be synced. The exact synced settings just depend on the app which you used.
When you check "Other Windows Settings", it will sync other Windows settings which depend on the user but not the computer.
Wish you have a nice day.
Best Regards
Please remember to mark the replies as answers if they help, and unmark the answers if they provide no help. If you have feedback for TechNet Support, contact email@example.com.


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Net Logistics partners with Parallels
Web hosting service provider, Net Logistics is deploying Parallels' Plesk Panel Suite as part of a new partnership with the Cloud computing and desktop virtualisation vendor.
"We chose Parallels for its depth of experience in delivering solutions finely tuned to the needs of a hosting business model," Net Logistics managing director, Karthick Rajendran, said.
The panel solution will assist Net Logistics in web hosting account and server management. It includes control panel technologies designed for hosting accounts as well as for reseller services, virtual private servers (VPS) capabilities, and dedicated and cloud platforms.
"Plesk Panel provides a powerful solution to ease hosting account administration across the full range of shared, reseller, VPS and dedicated solutions," Rajendran said.
Net Logistics will also be deploying Parallels Virtuozzo Containers, which offer greater support efficiency and implementation of extremely-high-resolution backup solutions in mission-critical environments.
Mainpac 2011 deployed by POAGS
Australian port and bulk logistics company, Poags, will be deploying Mainpac 2011 to enable its business solutions to achieve maximum financial and operational returns.
Mainpac 2011 is an enterprise asset management (EAM) solution that provides integrated financial information, and adapts to individual business processes with flexible configuration tools.
"Mainpac 2011 was selected because we needed a user friendly system that could cater for the diverse range of equipment across our various sites," Poags general manager of IT, Ray Connell, said.
The partnership with the software vendor will allow Poags to replace its existing maintenance system of records and schedules in order to standardise maintenance processes and procedures.
"Our aim is to provide high asset availability, maintain high safety standards, and effectively control our maintenance costs," Poags national engineering manager, Mo Dowidar, said.
"Mainpac's optional Asset Intelligence module was an important consideration in choosing Mainpac, as we plan for continuous improvement in managing our assets," Connell added.


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Resource Allocation within Firms and Financial Market Dislocation
The Harvard Law School Forum on Corporate Governance and Financial Regulation 2013-05-01
Do firm boundaries mediate the effect of shocks to the financial intermediation sector? When the functioning of the intermediation sector is impaired – as was the case in the recent financial crisis – shocks can be transmitted to the broader economy since funds may not flow to highest value use without incurring significant cost. This issue has been extensively explored in the credit channel literature (e.g., Kashyap and Stein [2000]; Bernanke and Blinder [1988; 1992], and Bernanke and Gertler [1995]). However, unlike what is assumed in this literature, firms may be able to reallocate resources internally – for instance, between divisions in different industries – to ameliorate the effect of financial shocks. If so, external credit market conditions will impact the nature of resource allocation inside firms and between industries differently than they would in an economy with no internal capital markets. Diversified firms constitute a large part of economies around the world; therefore, resource allocation within firms can be of significant importance. In this paper we propose that firms shift resources between industries in response to shocks to the financial sector. We estimate a structural model to quantify the forces driving this reallocation decision, and show that these forces dampen shocks to the financial sector in economically significant ways.


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Wash them as much as you like - our sweatshirts undergo sublimation printing that utilizes a special heat-dye application that resists fading and bleeds. Our high manufacturing quality with plenty of attention to detail ensures that it'll never fade, break, or peel!
The Design covers the front and back of all our hoodies.
Hoodie Sizing Chart (Standard US sizing):
We recommend going a size higher for a better fit!
JPM Closet offers FREE Worldwide Shipping!
Orders are processed within 2-5 business days. After your order is processed you should receive your tracking information right away!
Deliveries take on average 10-25 business days in some rare occasions 29+ business days.


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The diving center is closed during February. In any cases, it is better not to come between the 15th of january and the 15th of March. During the rainy season, there's strong winds and the rain is bringing a lot of mud in the water which turns murky and rough.
Weather : Nosy Be has around 25 rainy days per year. (around 20 in the rain
season, between the 15th january to the 15th of march) the rest of the
year, the sun shines. some showers at night can appear.
Temperatures: summer (december - march) water is 30°C and more. Winter
(july -september) la temperature decreases to 26°
Visibility :Rain season starts in december and finishes in march. Because of large
areas of deforestation on the main land (Madagascar) heavy rains are
washing, ripping cubic meters of mud from the uncovered areas by vegetation.
This mud is driven by the rivers to the bays, diffused by the alternative
tidal currents. Worst period is from the 15th of january to the 15th
of march, visibility can decrease to 4m! Best period, Dry season (from may to september) visibility can increase to 25/30m on some spots.
Interests :The Nosy Be area is very well known for the big diversity and the prestine
condition of the corals (around 410 species). The reef is also very
rich in macro, paper fish, , ghost pipe fish, sea horse, pegasus (or
seamothes), nudibranches.. For the "big stuff", Humpacks whales
are in the Nosy Be Bay from july to the end of october. Mantas and whale
sharks from november a january.
island " is
a nickname for Nosy Be island, which was
previously known for vanila and d'ylang
ylang production, Then, with tourism development, Nosy Be is much more
known for the beaches and reefs.
exceptional bay :Apart from some exceptions during the rain season when tropical storms
are passing by and in september when weather can be windy in the morning,
the Ampasindava bay is always calm. The Main land is sheltering the
bay , the water is flat in the morning and some waves appears around
1pm, due to the see breeze. From April to july, the strengh of thermical
winds, decreases to a minimum, so the sea is flat even in the afternoon .


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Overnight road closures are planned for the A39 near Abbotsham next month.
Resurfacing work on a 1.2km section of the road between Fairy Cross and Knotty Corner will start on Monday, October 1.
The scheme is expected to take around three weeks to complete, and the road will be closed from 7pm to 7am each evening in order to minimise disruption.
The road will be open during the daytime.
Temporary traffic lights have been in place on the route over the past couple of weeks to enable drainage improvements and kerb replacement work to be carried out before resurfacing starts.
During the overnight closures in October, the diversion route will be signed via the A39, Bideford, A386, Landcross, Stibb Cross, Holsworthy, A3072, Stratton, A39 and vice versa.


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Raksha Bandhan is one amongst the most respected festivals in India. The day is honored with intense love, care, and affection. Being a popular Hindu festival the day is celebrated with a great pomp and show in India and outside the country that home Indians. It is a moment to mark the bond of love and affection in which siblings are tied with. With the passage of time, things in and around us have attained modernity; the same is applied on our special days of celebration too. Raksha Bandhan festival too has witnessed changes in the present time. In the earlier times when the life schedule was not so busy and hectic, siblings used to meet each other on Raksha Bandhan. Following all the trend and rituals the day was observed with great zest and zeal but by the time people got busy with their schedule, things have been changed much.
Now the busy life schedule does not allow siblings to be with each other on the day of the festival. Few manage to cheat their busy schedule whereas; few just try hard and fail. However, distance is the other important factor that restricts the siblings to be together on the day of celebration. Well, there may be many restrictions in and around but if the goal is clear then one can find other beautiful ways too. The same happens with Raksha Bandhan celebration as well, where online Rakhi has emerged as the medium through which siblings can convey their heartfelt wishes to each other on Raksha Bandhan.
This is a source through which sisters can send Rakhi to a brother in Delhi, Mumbai, Bangalore, Pune, Hyderabad, and to all other corners of India. Things are not limited to online Rakhi delivery in India but those who have brothers living abroad can also send the sweet surprise for them like, rakhi to Canada, USA, Dubai, etc. are few of the choices. Now, the big question that comes here is that is this medium of sending rakhi online really very helpful. How it is aiding siblings for the festive day celebration. Well, the answer to this is yes, it is helpful because it is serving those who are already away from each other but wish to be connected through a medium on Raksha Bandhan festival. This medium is emerging as a great aid for the virtual celebration of the festival where siblings despite not being together can celebrate the merriment of the day.


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The Ride To Walk Endurance Race
6/12/24 Hour and 100 Mile Races
September 19th - 20th, 2020
Lincoln, CA
UPDATE 9/17/2020: We are on! Air quality looks pretty good!
Our goal is to provide a safe, friendly, beautiful location to run as long your heart desires, or for up to 24 hours- whichever comes first. This is a fixed-time loop format, meaning you can stop and rest, eat, nap, go watch a movie, whatever you want to do - but the clock never stops. We will offer a 24-hour race, two 12-hour options, and two 6-hour races, as well as a new 100 mile option!
The event takes place at, and will benefit, Ride To Walk in Lincoln, California.
Ride To Walk's mission is to enhance the lives of children and young adults with neurological disabilities by providing innovative therapeutic horseback riding activities that are recreational in nature and adapted to the individual's needs and abilities. Ride To Walk strives to provide a positive support system for individuals with disabilities, their parents/caregivers, and our community.
We are so excited to partner with this amazing organization!
Start Times:
100 Mile- Noon on Saturday, 9/19/20
24 hr- Noon on Saturday, 9/19/20
12 hr- Noon and Midnight on Saturday
6 hr- Noon on Saturday, 6am on Sunday
Virtual 24 hr- 9am on Monday, 9/14/20
Virtual 100 Mile- 9am on Monday, 9/14/20
Check out the Photos page for a time-lapse and photos of the course.
The Course:
The course is a .84 mile loop around a working horse ranch, adjacent to a beautiful lake. The trail is almost 100% dirt and wide enough to drive a car on. There is a little shade, but the loop is mostly exposed. With approximately 25 feet of elevation change per lap, in the form of one hill, look to give your muscle groups a regular change-up. There is a short out-and-back section along the pond and lake, out to the hill, which is more than wide enough to accommodate two-way traffic, and will give you a chance to say hello to your friends (and competition) every lap.
Keep right on the course, and pass on the left!
If dry, which it should be, light trail shoes or even your favorite road shoes will be perfectly fine - but in the off-chance it's wet, some aggressive trail shoes are definitely in order. It will be slick and muddy. Lincoln is famous for it's clay. Gladding McBean has been making clay sewer pipe and Terra Cotta out of this stuff for over 140 years! The race will run, rain or shine, so come prepared for anything. Strava profile here.
Virtual Options:
Can't make it to the race in person? No worries- you can still get the same great swag as everyone else, and run wherever you would like! You'll still get a Thunder Ultras trucker hat, and finisher's medal shipped to your door, and maybe some other little goodies as well. If you hit 100 miles, we'll even ship you a custom 100 mile buckle!
Both virtual races begin at 9am on Monday, Sept 14th, and end at 9am on Monday the 21st. Any time during the week, simply pick a 24 hour window for the 24 hour race, or 32 hour window for the 100 mile race, and start running. We will ask you to post your results after your race. Run as much as you want, as many times as you want, during the 24 or 32 hour period, collect some sweet swag, and support a great organization.
The virtual events are NOT USATF sanctioned, nor insured. Run at your own risk, and please be safe out there.
International participants will be charged $75, instead of $49, for the virtual run to cover increased shipping costs. Please select the "International Shipping" option at the bottom of the waiver page. Sorry for the inconvenience, and we appreciate your support!
There will be one aid station at the Start\Finish line, sponsored by Tailwind and Honey Stinger and stocked with the usual Ultra snacks, but feel free to supplement with anything you think you might need. This is a cupless event, so please bring your own cup, which you may leave at the aid station if you wish. We will try to provide some "real" food items, like pizza, or quesadillas, in the evening, and pastries or pancakes in the morning- but don't count on a full-fledged buffet. We will be happy to fill bottles for you, just let us know what you want, and we will have it ready for you next loop. Please put your name on your bottles and cups.
We will comply with all mandated Covid-19 precautions, and will take extra steps to ensure everyone's safety. Handwashing stations will be provided, and aid station personnel will wear gloves while handling food. Food will be served in single-use cups, or prepackaged-- which will unfortunately increase our waste, but will help us avoid sweaty hands in communal bowls! See COVID INFO for more information.
Treats include:
Tailwind (No caffeine) and Water
Honey Stinger Waffles- Honey, Chocolate, and Caramel
Honey Stinger Chews- Caffeinated Cherry Cola, and Non-Caff Strawberry
Honey Stinger Gels- Caffeinated Chocolate and Strawberry Kiwi, Non-Caff Acai Pomegranate, Vanilla, and Mango Orange, as well as Classic Gold Honey.
Coke, Ginger Ale, Dr Pepper, Root Beer
Potatoes and Salt
Watermelon, Bananas, other Fresh Fruit
PB and J
Candy, Cookies, Chips, Pretzels
Hot Veggie and Chicken Broth
Cup 'O Noodles
100 Mile Race:
100 Mile runners who have reached 80 miles at the end of the 24hr event (noon on Sunday) will be given an additional 8 hours to get to 100 miles. (32 hour cutoff). Any runner not hitting 80 miles by the end of the 24 hr, or not hitting 100 miles by the end of 32 hours will be moved down to the 24 hr, so there will be no DNF's. However, these runners will NOT be eligible for awards in the 24 hr event. 32 hours is a very generous cutoff for you to run your first 100, and the course is well-suited to do so!
Timing is provided by the World Famous Mike Melton of MCM Timing! He will provide redundant chip timing, dual timing mats, live online results and real-time results on a live runner results display. Mike is a pro, and his yearly resume includes Across The Years and A Race For The Ages, among countless others. His dance moves are pretty fantastic as well...
Only full laps will count, we will not be measuring partial loops. GPS results may vary - our lap count and calculated mileage will be the official results, even if your watch says you went farther.
Volunteer Credit:
Probably the most important part of the event: the volunteers. Volunteers who work six hours will receive a $40 credit toward any race this year or next. Limited spots are available. Click the "Volunteer" button on Ultrasignup! Thank you!
Spectators and Pacers:
Your friends and family are welcome and encouraged. They may even make the occasional lap or two with you if you wish. Pacers are not allowed, however, and anyone running more than a few laps will be asked to exit the course. We will be very flexible with this, but please be considerate and don't abuse the rule. Please bring food and refreshments for anyone not running the race as well, as the aid station is stocked for our racers only.
Guides for Visually Impaired Runners :
Sighted guides for visually impaired runners will run for free, and receive the same benefits as their runner, with the exception of awards, if the runner happens to place. Aid, food, drink, and swag are all included, on us. Just register the runner at Ultrasignup, and then email firstname.lastname@example.com to let us know that a sighted guide will be accompanying the runner. The course, while trail, is relatively smooth and groomed.
Swag and Awards:
Each runner will receive a Thunder Ultras Trucker Hat, as well as some other small goodies. Finisher's medals will be awarded! Medals for the top three male and female finishers in each race will be Gold, Bronze, and Silver versions of the finisher's medals, in lieu of the regular finisher's medal. Like last year, we may have something special for the male and female winner of each race, as well. Runners completing 100 miles will receive a custom 100 mile buckle.
Weather\First Aid:
Odds are, it will be hot. September averages are a high of 91, and low of 56, with only one day of rain in the month. Drink plenty of fluids, take your salt caps, and bring a cooling towel. Please be aware of the signs of heat exhaustion and heat stroke and take appropriate action if needed. First aid personnel will be on hand, generously provided by the Lincoln Community Emergency Response Team. First, and foremost, however, you are responsible for keeping yourself safe and healthy, so please inform us immediately if something isn't right. We will get you help.
Thanks to Ride To Walk, we will have the Start\Finish lit, some generators and lights at key locations, and we will have glow sticks on the course markers at night, but it will get dark. And not "city dark". Out on the trail, it will get DARK. Please make sure you have adequate personal lighting for the trail, and your "home base". It will keep you from bouncing down the trail on your face, and will help keep critters away from the area.
Lincoln is a suburb of Sacramento, CA, 30-40 minutes from the airport. Point Waze to Ride to Walk: 1630 CA-193, Lincoln, CA 95648, (Or if using maps, it might be 1630 Lincoln Newcastle Hwy, Lincoln CA 95648) and take the backroads if it is "traffic time". No maps? Ride to Walk is just east of Lincoln on Hwy 193. Take Hwy 65 north from I-80, take the Lincoln Blvd exit, and turn right on Ferrari Ranch, then right on McBean Parkway, which turns into 193. RtW is about a mile out of town on your right-hand side. There are signs at Ride to Walk.
If you wish to camp Friday night, you are welcome to, in designated spots, but please arrive prior to 10pm. It will be very dry, so tarps and sleeping mats to cushion your bedroll would be a good idea! Pop-Ups, tables, and chairs are welcome in the "yellow" areas, so you can set up your own personal aid station. Parking is encouraged in the green area, and if you camp "small" you may pitch a tent in front of or behind your vehicle in that area. Camping is also allowed in the orange area under the trees. Please be mindful of the course, and the fact that we will want to minimize driving on the course once the race begins. Don't park somewhere you can't get out of! Volunteers will be available to assist. There are many nice hotels in the area, within a 10 minute drive. The Holiday Inn Express in Lincoln is the closest.
Packet Pickup:
Honestly, you can just show up early for your race and grab your stuff, but you can check in on Friday, 9/18/20, from 5-9, or Saturday beginning at 10am. You can come out Friday night and camp, or stake out your favorite spot, and check out the place. Pre-registration is highly encouraged, but race day registration will be accepted, via cash, credit card, or PayPal. Later races can just show up at least 30 minutes early to check-in.
100 Mile- $175 until May 31st, $190 After
24hr- $140 until May 31st, $155 After
12hr- $95 until May 31st, $115 After
6hr- $60 until May 31st, $80 After
Virtual 24hr- $49
Virtual 100 Mile- $49
For any questions, concerns, or if you graciously wish to volunteer, feel free to shoot me an email:
Thank you to our generous sponsors!:


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Not long after a 71-unit condo project and senior center went up near David Fink's aluminum smelting plant in Pilsen, he shut the place down.
City fights for factories
"We realized we weren't going to be welcome much longer," Mr. Fink says.
City officials helped hasten the decision, demanding that the containers Mr. Fink's company used to hold scrap metal be moved indoors. So the company, Allied Metal Co., shifted production to factories on the West Side and in Tennessee, resulting in a net loss of 20 local jobs.
"We were operating 24 hours a day," he says. "We had trucks coming and going. We had rail cars coming and going. It's not compatible with residential."
Chicago city planners have long been trying to prevent factories from becoming an endangered species in the urban ecosystem. Their main tool has been the planned manufacturing district (PMD), an industrial-only zone designed to prevent residential developers from driving manufacturers and jobs out of the city.
That policy has come under increasing fire in recent years as relentless condo construction has encroached on a weakened industrial sector. And it doesn't appear that the districts have stemmed the exodus of industrial jobs; between 2001 and 2003 the city lost 18% of its factory workers.
"There's just been more and more pressure on industrial land," says Planning Commissioner Denise M. Casalino.
And yet the Department of Planning and Development is now pushing a major expansion of planned manufacturing districts throughout the city. Chicago now has 11 such districts; it approved five last year comprising nearly 6,967 acres and has already created a new one this year: a 907-acre district in Pilsen, approved Jan. 11, that includes the idle Allied Metal plant. That brings to 9,044 acres the total Chicago land set aside for manufacturing.
The planning department's ultimate goal: to slap the planned manufacturing district tag on all of the city's 25 designated industrial corridors.
The debate over the districts began in 1988, when the city proposed the first such district along North Clybourn Avenue. The issue pits city planners, who argue that manufacturers will flee the city without protection, against developers and landowners, who argue that factories hold down property values.
Cal Boender embraces the latter view. In 2000, the developer bought the Galewood Yards, an abandoned 50-acre rail yard on the West Side that the city wants to include in a planned manufacturing district. Mr. Boender hopes to build a mixed-use development there with about 250 residential units, a movie theater and 250,000 square feet of retail space. The city won't let him.
Mr. Boender's firm, North Development Ltd., mainly develops industrial properties, and he says that's what he originally planned for Galewood Yards. But he changed his mind because he couldn't find any takers for the property, which is about 30 blocks west of the Kennedy Expressway.
"We could never really market an [industrial] building at the Galewood Yards," he says. "We found that users wanted to be closer to the expressway or close to the Loop."
Mr. Boender has the support of both aldermen whose wards touch Galewood Yards. But planning officials don't buy his argument that there's no demand for the site, saying they brought several good prospects to him but he failed to reach a deal with any. Ms. Casalino, the planning commissioner, concedes that truck access to the site is a challenge, but says it has "excellent" rail access.
Mr. Boender contends the city has more industrial land than it needs. To bolster his case he commissioned a study that found that 477 acres of industrial property in the city are listed for sale a 12-year supply.
With overseas competition and technological advances, demand for industrial property in the city is shrinking, not growing, says Vernon Schultz, a senior vice-president and industrial broker at Rosemont-based brokerage firm Colliers Bennett & Kahnweiler Inc. He argues that the growth opportunities these days are in the far southwest suburbs, where developers are building huge warehouses for manufacturers and distribution firms.
"It's unrealistic (for the city) to continue to beat the manufacturing drum," he says.
City planners, of course, dispute that view pointing to a study of their own that shows strong industrial demand. It found that 300 manufacturers in the city plan to expand in the next three to five years, but they don't have the space at their current locations.
Planners and manufacturers also point to Goose Island, which they consider the best argument for planned manufacturing districts. When it was designated such a district in 1991, the island on the Near North Side was home to 25 companies employing about 1,000 people, according to the LEED Council, a pro-industrial group. About 65 companies with 5,000 employees operate there today.
Fearing that residential development will lead to complaints about noise, traffic and emissions, most manufacturers support planned manufacturing districts. Yet the city's latest push has irritated some industrial firms, like Heidler Hardwood Co., whose plant at 2559 S. Damen Ave. is included in the new district in Pilsen.
"They have truly lowered the value of our land" by banning non-industrial uses on the property, says owner Scott Heidler. As part of a planned manufacturing district, the property is worth about one-third of its previous value, he estimates.
City planners believe the sacrifice will be worth it over the long term, but they face some pretty powerful global forces that will continue to undermine the city's manufacturing base. Relying too heavily on planned manufacturing districts is a mistake, says former Alderman Edwin Eisendrath, the father of the first planned manufacturing district along Clybourn Avenue.
"It's a very powerful tool but it has to be used not bluntly, but very smartly," he says. "You can't zone jobs into a place. You have to attract jobs."
©2005 by Crain Communications Inc.


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Region's drought could soon be declared natural disaster
THE drought ravaging the Southern Downs may soon be labelled a natural disaster, as the Southern Downs Regional Council seeks further assistance from the State and Federal Government.
The suggestion from SDRC comes as part of a Drought Submission for the Federal Government, to be tabled by Federal Minister for Water Resources David Littleproud.
The declaration would enable the council to coordinate drought relief efforts with other levels of government and access the funds required to offset the cost of water carting that "the community can little afford to pay for on its own."
"Carting to an urban and rural population of this size will be a costly and extensive exercise," the submission stated.
"Council is endeavouring to meet all of its resident's needs but with dam levels as low as five per cent and water sources expected to run out in the coming months without significant rain fall, water carting is the only viable option."
During a special meeting councillor Rod Kelly said calling the drought a natural disaster was an essential part of SDRC's response.
"We need to stress that," he said.
"That might not apply to all the regions responding but we certainly meet that criteria."
A natural disaster is defined by the Disaster Management Act (2003) as "a serious disruption in a community caused by the impact of an event that requires a significant, coordinated response by the state and other entities to help the community recover from the disruption."
Declaring a natural disaster could have far reaching impacts as a classification of Category B or C assistance could entitle residents to financial assistance from the Commonwealth Government and the Australian Tax Office, as well as affording "extraordinary" powers to emergency services personnel.


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Green Salwar Suit made of Jam Satin Cotton with Banarasi DupattaDS-1116
- Purchase Green Salwar Suit made of Jam Satin Cotton with Banarasi Dupattafrom Danifashions.com.
- The product consists of Banarasi Dupatta and Pure Cotton Salwar.
- Salwar Suitavailable in the various sizes like : Unstitched, S, M, L, XL, XXL, 3XL
- On top of the Salwar Suit Resham, Glass Work crafted beautifully.
- Once placed an order, it will take 15 days to ship the product.
- Designs, colors and patterns on the actual product may slightly vary from designs shown in the image. Images are only representative.


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Complete Story
How Leaders Can Ask for the Feedback No One Wants to Give Them
The old cliché is wrong — ignorance is not bliss
Tad knew he was losing his hearing. What he didn't know was that everyone around him knew as well.
Tad (not his real name) was a senior executive in a multinational company. Much of his work was done in lengthy meetings with dozens of participants. His hearing loss was making it difficult for him to keep track of what was happening in meetings — but his vanity kept him from getting a hearing aid. So instead, when he missed important points, he would try to decipher what was happening from slides or fill in the blanks from the fragments of conversation he could catch. Others in the meetings were, by turns, embarrassed for and frustrated with him. People began trying to hold meetings without him in order to improve efficiency. They would feign strong emotion when making a point so that they had an excuse to raise their volume. But no one dared raise the issue.
It turns out, Tad is not alone. Most managers aren't aware of what their employees really think about them.
Please select this link to read the complete article from Harvard Business Review.


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This is a very stretchy, open-weave knit used as decoration to clothe figures made from Paverpol or create surface designs. To use, dip Stockinette in Paverpol. It will stretch and become twice as long. It is a highly decorative piece of textile, which can be used endlessly for decorating or draping.
Stockinette is made of 100% cotton fiber.
Stockinette 50 x 80 cm. A very flexible, rough woven cotton used to dress statues.


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Example of an easy to understand infographic report with visuals about PrEP navigation services in Arizona. Used to provide updates to the HIV Statewide Advisory Group and Community Health Planning & Strategies Committee (RWHAP Part A).
See more resources related to How to Communicate Progress on Integrated HIV Prevention and Care Plan Activities to Stakeholders


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Mortgage shortfall debts
Where a sale by the borrower or the lender may not be enough to pay off the mortgage in full.
How to deal with shortfalls
Sale by the borrower or the lender may not raise sufficient money to cover the total debt to the lender. This is usually known as a mortgage shortfall. The borrower could end up having to pay the outstanding amount to the insurer, but note that there is no obligation on the insurer to recover a shortfall (for example if the sum involved makes recovery unviable).[1] The Financial Conduct Authority (FCA) regulations state that a lender must make the customer aware of any shortfall, in writing, 'as soon as possible after the sale' of the property.[2] If the lender decides to pursue the shortfall, they must notify the customer of this fact within six years of the date of the sale.[3]
In many cases the borrower will have paid for mortgage indemnity insurance, which will cover some of the debt to the lender, but s/he could still end up having to cover the difference.[4] The lender must inform the borrower if the debts are to be recovered by an insurer or other company, rather than the lender.[5] Outstanding debts to the lender and/or the insurer after the sale can be recovered through the courts (either via an existing or newly obtained money judgment or via bankruptcy). However, it may be possible to negotiate with the lender and/or the insurer to reach an agreement over the debt. In order to do this, a borrower may:
- explain the reasons for the mortgage payment difficulties and show what steps were taken to minimise the losses incurred by the lender/insurer
- provide an outline of the household budget showing that there is very little money available to contribute towards the repayment of the debt
- offer to repay a percentage of the debt, by affordable instalments, over a two to three year period on condition that interest will be frozen and the balance of the debt written off.
It should be emphasised that there is no obligation on the part of lenders/insurers to enter into any negotiations with the borrower. It may not be possible to reach any agreement. If an agreement is reached it will not normally be a binding agreement, because of the legal principle that the part payment of a debt does not extinguish a debt. There are exceptions where the part payment takes place at a different time or where, for example, a third party pays money to satisfy a debt. The client may need specialist advice to ensure there is a legally binding agreement that means they cannot later be sued for a debt they think they have discharged.
Where there is a substantial mortgage shortfall, and especially if there are other debts as well, the borrower should consider bankruptcy or an individual voluntary arrangement. Much of the traditional stigma and disadvantage of bankruptcy has been removed, and it offers freedom from debts after the end of the bankruptcy. An individual voluntary arrangement is a legal arrangement between the borrower and all of her/his creditors, by which they all agree to receive part of their debts in full and final satisfaction, and is an alternative to bankruptcy. Specialist advice should be obtained from a debt counsellor or insolvency practitioner.
Time limits for action to recover debts
Action to recover mortgage debt is governed by the Limitation Act 1980, which sets time limits (limitation periods) for the issue of court proceedings. An action to recover the mortgage principal (ie the actual amount borrowed) should be started within 12 years of the date the debt accrued.[6] That date will be determined by the mortgage deed. It will often be provided in the deed that the mortgage money is deemed to become due shortly after one default in payment. Proceedings must be taken within 12 years (the limitation period). Lenders cannot argue that the limitation period starts with the date when they regain possession of the borrower's home or when there is a formal demand for payment.[7]
Action to recover interest charges and any other costs the lender may have, and action by the mortgage indemnity insurer, should be started within six years of the date that the right of action arose.[8]
It is very common for borrowers not to be contacted in relation to recovery of any mortgage shortfall debt for many years. The FCA regulations state that a borrower must be informed of the decision to recover any shortfall within six years of the date of the sale of the repossessed property.[9] If the borrower acknowledges the debt within the limitation period, the limitation period stops running and effectively starts again. An acknowledgement can arise when a borrower makes a payment or otherwise acknowledges the debt, this would often be in correspondence making an offer to settle the debt. If the Benefits Agency makes a payment of mortgage interest direct to the lender, the Benefits Agency acts as an agent of the borrower, and this is to be treated as a payment by the borrower.[10]
If a borrower intends to argue that a lender is not entitled to seek recovery from her/him because the limitation period has expired, it is very important to ensure that no correspondence with the lender can be taken to be an acknowledgement of the debt. The borrower, or agency writing on her/his behalf, cannot necessarily rely upon a letter made on a 'without prejudice' basis to avoid acknowledging the debt. The effect of the 'without prejudice' clause is dependent upon the substance of a letter. The 'without prejudice' rule has no application if the subject of the letter was how an admitted debt was to be paid. This was to be distinguished from negotiations to reach a settlement, where the existence of a debt or amount in dispute, could be 'without prejudice' and thus would not have stopped the limitation period running.[11]
The steps to take, if possible, are to:
- look at the mortgage deed
- establish the date when the mortgage money became due
- consider whether, and if so when, the borrower has acknowledged the debt.
The time limits for the recovery of a debt, as governed by the Limitation Act 1980, do not apply to charging orders.[12]
[4] Mortgage indemnity insurance does not protect the borrower (see, for example, Mortgage indemnity: a borrower's guide'). There are other insurance products that do protect the borrower in certain circumstances, eg redundancy and serious illness. Advisers should consider the insurance documents.
[6] s.20(1) Limitation Act 1980.
[7] West Bromwich Building Society v Wilkinson [2005] UKHL 44, [2005] 4 All ER 97.
[8] s.20(5) Limitation Act 1980.
[10] Bradford and Bingley plc v Cutler [2008] EWCA Civ 74.
[11] Bradford and Bingley plc v Rashid [2006] UKHL 37.
[12] Yorkshire Bank Finance Ltd v Mulhall [2008] EWCA Civ 1156.