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Savannah Dietrich was 16 when she was sexually assaulted by two teenage boys as she lay unconscious on the kitchen floor in a Louisville, Kentucky home. They had been drinking with other friends before the incident. When she woke up, she knew something had happened, but it would be months before she knew how they had taken advantage of her, that they had photographed the assault on their cell phones.
Court transcripts show the teens admitted to the crime. One said "...we put our fingers in her...cause we thought it would be funny..." The second boy told a detective he thought Savannah was fine with it because she didn't tell them to stop. Accused of felony sexual assault and misdemeanor voyeurism, both pleaded guilty.
When the prosecutor offered them a plea bargain, Savannah and her parents were surprised. They had never agreed to that and thought the punishment was too lenient for the crime. The boys would get 50 hours of volunteer work and a diversion program, which if completed, their criminal records would be erased.
Savannah's personal attorney called it "highly unprecedented" that this type of conviction would disappear from someone's record. He believes the mild sentence is a result of the prosecutor's connection to the boys. Hear from him in tonight's report.
Not only was the plea bargain upsetting to Savannah, but she says the prosecutor had told her jail was for "real rapists," which he denies. In an affidavit, he accused her of being delusional and slammed her character.
Feeling frustrated by the plea deal and a judge's warning to be quiet about the case, she took to Twitter and tweeted the names of the two boys. For outing them, she was threatened with contempt of court and jail time; the motion was later dropped.
Now the victim and the convicted are awaiting the judge's decision about whether the punishment will stand. They were all in court together today when Savannah appealed to the judge for harsher sentences and directly addressed the boys.
"They had to wait until my eyes were closed to actually do this to me, but now they have to look in my eyes and see the full extent of what they've done," said Savannah.
For more on the case, watch Gary Tuchman's piece at 8 and 10 p.m. ET.
UPDATE. Watch tonight's report below. Here's how the judge decided late Friday to change the plea deal:
The judged should have recused himself and asked for the sentence review to be handled elsewhere. I hope the victim gets the justice she deserves.
Those boys knew right from wrong and "thought it would be funny" there records should never be erased. They are perverts and need to toto jail. Sickos sharing pictures.
They were wrong. I think the state imposed consequence is fine and I also think the natural consequense of people finding out what they did: Twittering their names is okay if that is what Savannah chooses. If they were concerned about people knowing what they had done, they shouldn't have photographed it and shared it. I don't think that what they did was her responsibility, but I agree with the other posters... She was underage and drunk... There should be state imposed consequence for her for that act and another unfortuante consequence of her actions was that she was in a position that someone could take advantage of her - again in no way saying they aren't responsible for what they did - they are definitely responsible.
Im mad at her, they didn't ruin her life she is perfectly fine now. These boys are the ones with the ruined life now just because they made a simple mistake. They have so much shame already and she decides to say who they are publicly? thats messed up, i was in a similar position to those boys and i was so shameful of myself that i attempted suicide 3 times. It sucks, they were just boys with raging hormones, and she was drinking and so were they. God since when have you heard of a girl sexually assaulting a boy being bad. It is never in the reports or anything. It is so sexist, i wish i could talk to these boys because their life is ruined now because of one mistake. People are messed up nowadays
This is exactly the kind of horrible 'blame the victim' mentality that makes life so much worse for the victims of sexual assault. The fact that someone has been drinking does not make it okay to sexually assault them. End of story.
How would you feel if it were someone close to you were in her place instead – like your sister, niece, or perhaps your mother or maybe you? She chose to drink but that doesn't give those boys the right to do what they want with her. I hope no one you know would feel the disgrace that this young lady experienced. Exposing the boys' identity would help other girls from suffering the same fate.
I'm not a woman. But if I'm passed out drunk I don't want anyone messing with me. But let's break it down:
If someone drew crap on me, fine, obnoxious, but whatever.
If someone put their junk on my face that assuredly crosses the line but it isn't as bad...
...as if someone fondled me or fingered me (Zehnder and Frey stuck their fingers in her vagina and it seems like Frey at least was creepily excited about showing the pictures he took of it to other people). For that to happen it have it NOT affect the lives of the people who did it would be an injustice.
Sure I might not remember that happening, but if after it happened I found out about it because they took pictures of it (or found out in any way, really) I would feel incredibly violated want the people who did it to face retribution. And I can't see how anyone could see this is as something minor, or something that you should expect when you pass out drunk (at your own house, with three people you knew and invited over).
How do you know she is "fine"? The problem here is that they compounded their guilt and stupidity by making the images to others. They where proud of what they did.
This punishment is too light.
Really? They raped her...not the other way around. If they did not want their names published, they should not have done what they did. No matter what – it was wrong.
You are one scary dude. May I advise you not to go around sticking things in unconscious women...no matter why the reason they are unconscious. How about you pass out and a couple of your friends stick things in your orifices, that would be anther story right.
These boys made the decision, as did you (by the sound of your statement), to do this horrible act. Their lives do not have to be ruined, but hopefully they will learn a huge lesson from this and not victimize another person again. While this girl obviously drank too much alcohol, this does not warrant an assault. This is sad all the way around. To top it off this so-called prosecutor is more like a defence attorney. He needs to lose his job, immediately!!
she should take some responsibility....maybe learn to NOT drink until it's legal to do so; learn to not pass out on a kitchen floor; learn to hang around and be vulnerable only with friends you can trust.
Everyone is getting caught up in the fact that she consumed alcohol. What if she was in diabetic shock or had some other medical condition that rendered her incapacitated, would she still be "somewhat responsible" for the sexual assault? The important part is that she could not consent in her condition, no matter what put her in that condition.
Thats not a good argument one is a medical condition that a person has absolutely no choice over the other is personal decision to get drunk.
You should feel free to be passed out and not be molested. The girl is almost certainly less trusting and more careful after this, and yes, she obviously felt like she could get drunk around these boys and not have them molest her when that obviously wasn't the case.
But let's look at it as a moral question from the boys' point of view. Is it any better to sexually assault someone who is passed out due to alcohol then someone who is passed out due to an inherent medical condition?
You can say that it is wrong to get black out drunk, there are valid reasons to feel this way, but if someone is passed out how they got to that point doesn't make any difference as far as it relates to a person who decides to molest them. While drinking to excess may be wrong and irresponsible, it doesn't lead to "guilt sharing" because how she got to a state of unresponsiveness has no bearing in what they did to her when she was in that state.
While the boys sentence is too light for what they did, how many girls her age decide to drink too much and put themselves at risk? And no, she didn't ask for it, but her actions helped lead to it. If she wasn't out getting so drunk she passed out it probably wouldn't have happened. Also being with friends didn't make her safer... It's obvious the quality of her friends to leave her there. It speaks volumes on what she was doing with her life at the time.
As a "SURVIVOR" of sexual assault that was in NO WAY my fault, I should be upset with you and your statement, however I am not. Why? Because you are right on this..... When one ALLOWS themselves to be put in a certain position that will lead to rape or molestation, such as not being aware of your surroundings at all times because you were doing drugs and or alcohol, you yourself are just as much of an assailant to yourself as the one's who physically "victimized" you.. I believe, or at least hope, she learned her lesson and realizes that their are dire consequences resulting and knows to never allow herself to be in certain situations.
People are responsible for there own actions and choices. Those boy's chose to assault and take advantage of Savannah, know matter how precarious or outright dangerous of a situation she put herself in. Also having court records sealed because of someone being a minor is one thing. But to have the victim possibly facing a harsher penalty than her assailants for bringing awareness to other people is outrageous. Why should she be mandated to protect the character of these boys. Especially when they don't have any. Talk about being victimized.
No, Tammy. You aren't just as much an assailant. If you see a drunk guy and decide it would be fun to hit him over the head repeatedly with a tire iron, he was perhaps unwise to be walking down a street where tire-iron wielding psychopaths could be found, and also to have impaired his reflexes with alcohol in a dangerous world, but you are still the one who assaulted him. He did not "assault himself". In the same way getting drunk around people who you assume won't molest you but actually will seize upon your vulnerable state as a chance to do so is perhaps unwise, but it doesn't make them less guilty.
I am sure she did "learn her lesson". I bet she'll find it very hard to trust men, especially in situations in which she is drinking or otherwise more vulnerable than usual, but also in general. But not being adequately vigilant against people who will sexually molest you when the opportunity arises is not the same as BEING someone who will sexually molest people when the opportunity arises.
Stay strong. These boys are dirtbags,just like the guy who assaulted you. They deserve far more than they have recieved.
I wonder Marc if this were your daughter would you feel the same way? Your wife? This girl did nothing - not even drinking alcohol - to invite a sexual assault. At issue here is not her actions or lack thereof – – never is a sexual assault the victim's fault. Here we have another situation where the legal system says, Oh "boys will be boys" and the girl invited the sexual assault. Sadly, there are probably many more who feel the same way you do.
I'm sure you would change your mind if your daughter, or maybe your little sister was the recipient of the assault. You passing judgement about her lifestyle as a result of sexual assault is disgusting. Get out of town. Sexual assualt is never "asked for," unless your sick mind works that way, and it looks like yours does. It's people like you that help perpetuate the old adage: "well, she was askin' for it!" You make me sick. Nobody, man nor woman nor anyone inbetween, ASKS to be assaulted. You might try the 1800s, you'd probably feel more at home.
Just as she chose to drink, those clowns chose to take advantage of her. And they got punished. It's called human decency and respect. You see a person fall to the ground, do you step on them or help them up? You at a party with an attractive female, she is drunk and passes out. Do you take her someplace where she can sleep or take her home, or do you molest or rape her? Is that her punishment that she be a victim of assault?
Saying she brought the assault on herself by drinking is like saying someone with their car parked on the street is asking to have it broken into or stolen.
These boys should be charged with the creation, distribution and possession of Child Porn. Ferber vs. New York in 1982 makes the creation, distribution and possession of all forms of child porn illegal. Anyone these boys sent this picture to should be charged with the possession of Child Porn. It is time for the lead prosecutor to step in and prosecute these boys for all the crimes these boys committed. It is time to stop covering up these boys crimes and do your job.
I agree. Where is the child porn charge. And to those that say something along the lines of, "oh it isn't okay for them to do that to her but she had a part in it by her actions of drinking" Are you devoid of brains? And, well, maybe if your child is raped when she is doing what many or most of us have done, underage drinking, then you too will reconsider your illogical thoughts....f'ing morons in this world, everywhere.
Good for you Savannah, these two boys knew what they were doing and I have no doubt they knew it was wrong. I hope you can move on from this. It is too bad you were victimized by the prosecutor as well. Hopefully that guy will lose his job and his license to practice as well. I have no sympathy for either the boys or the corrupt prosecutor.
YesI completely agree that what the 2 boys did to Savannah was very wrong and inexcusable. But what bothers me is that It seems like Savannah is putting on an act for the media and doesn't appear to have any remorse for her actions. I'm not making this comment out of just speculation either. Savannah still goes our and makes poor decisions with alcohol even after her "traumatic" experience. The reason the beach was closed down on spring break in march 2012 (months after the incident) was because savannah was found yet again passed out drunk and naked on the beach. She has also allegedly been seen having sex openly in parties while very intoxicated numerous times since that weekend. These actions and conduct do not seem to correspond with a girl who was deeply afflicted by a sexual assault caused by reckless underage drinking. Some sources say she wasn't even upset about what happened that weekend until she later realized she could make money and get media attention for pressing charges and becoming the poster child for feminism. Her Mother is now writing a book. Now I am not trying to say she deserved what happened to her because no one deserves that but I just wanted to point out that Savannah may not be the innocent angel the press makes her out to be and still makes poor decisions concerning alcohol.. Just a little perspective.
I think it's quite likely that what was done to Savannah led, or will lead, to further problems. Talk to anyone who has worked with victims of abuse, rape, and domestic violence. That is why I think the molesters or rapists should be required to pay for her onging counseling and for any consequences of the school missed as a result of what they did to her. The civil law of torts can hold defendants liable for intentional as well as negligent acts, and most people would consider intentional harm even worse than negligent harm.
Susan, I'm happy that you spoke out, because this is an example of a truly sorrowful issue that has plagued our Country for too long (Please read my Comment posted today). True Rape is a life altering experience for True victims. Depending upon their mental strength abilities, it can lead to a lifetime of great unshakable suffering. Sad. However, over the years I have learned that most true rapes are not reported, many because of having to tell the story over and over to authorities and each time being more humiliating, or it involves a Family Member, and in far too many instances, the Victim winds up being put on trial. We have to also keep in mind that True Rape doesn't always mean a female victim. Given the fact that most true rapes go unreported, we find that we must not prematurely leap to a guilty judgement in favor of the alleged victim, because of the "almost never reported" aspect involved. So we proceed with open minds, do a thorough investigation into all the facts and all the "players" involved. Once a charge of Rape is leveled against anyone, it is far too serious and life damaging crime to make unnecessary mistakes. In the case of True Rape Females, with blazing evidence in their favor, such as the Hotel Maid being allegedly Raped by the super-powerful world connected Frenchman favored to be the next head of France, it isn't very encouraging for future true victims to come forward. Here we have a case of a man too powerful to indict. Ridiculously insulting, thanks to "white men" flunkies acting at the behest of the Global Super-Elite.
Oh Susan. . . you are absolutely saying Savannah deserved to be assaulted... your post is disgusting and hearsay only. Were you one of her "friends?"
I also agree that what the 2 boys did to Savannah was very wrong and inexcusable. What bothers me is why you think Savannah needs to have and show remorse for her actions. She may enjoy alcohol. She may enjoy consensual sex in private and/or in front of people at parties. She may also enjoy being naked in public. She faces a higher risk of being raped – that is one consequence of her actions, as is the crime being prosecuted for her assailant/s. Thanks for not trying to say she deserved what happened to her because "no one deserves that". Is anyone really an innocent angel?.. Is that relevant? Just a little perspective.
"Friend" of the rapist or rapist family?.......you betcha.
Why should these guys get the opportunity to get their records reduced to a misdemeanor and expunged at 26? Sex offenders endanger anyone vulnerable – young children, handicapped, elderly.
What these boys did was wrong, but I wonder what would happen if it were reversed and the guy was drunk and the girls decided to strip him and play around with him, just because they thought it was fun. You know, this does happen too. I bet in that reversed situation this would not be consdered an 'assault' for simply touching him while drunk. All the women commenting here would be saying he probably wanted it...and women know it. It's amazing how hypocritical women are on this subject.
Todd, I applaud what you said. And yes, if that happens to a guy it would still very much be wrong and illegal. I think you are right to point out that victims face various stereotypes and biases, irrespective of gender. For women it's: "she was acting irresponsibly", and for men: "you can't really rape a man". Men, like women, would also have a hard time admitting to it because they also have biases going against them. Ironically, both biases originate in the patriarchal system: for women, the bias is that bad things don't happen to good women who know their place and act "prudently". The underlying bias against men powered, ironically, also by patriarchy is that men are physically in control as the stronger ones and that they are sexually indiscriminate ("the more, the better *high five, dude*"). We have to work to eliminate both sets of biases from the legal systems.
I see a lot of comments on here saying it doesn't matter how a girl acts when she's drunk, but then shouldn't the boys be excused for what they did because they were drunk also? Why is it just the guys that have to be held responsible? I think everyone should be held accountable for how they act when they're drunk. They are the ones that choose to drink and get drunk.
Sir, your logic is faulty. The young lady drank to be sure, but offended no one. The young men, however, chose to assault her. Drunk or not, she did not invite the assault. And alcohol does not excuse their heartless abuse of a helpless and unaware female. Their behavior was disgusting and deserves to be punished. She should be punished for drinking. In what society, sir, does such a punishment involve sexual assault?
I think you don't quite understand what people mean here. No one said that a person's behavior is excused if they happen to be drunk, but the implication that a victim of sexual assault should have "known better" than to drink that much/wear that outfit/stay out that late, etc. is not only offensive, but wrong. It makes them responsible for another persons criminal behavior. If you forget to lock your doors, I don't suddenly have the right to rob you. And if a person is so intoxicated they pass out I don't have the right rape them. It is really just that simple.
The actions of the boys were wrong, but let's not absolve a girl for going out, getting drunk, and blacking out, at the the age of 16. My teen daughter did the same thing and was lucky enough to have a girlfriend there to 'watch over her' during her "mental absence". My daughter knew she was not supposed to drink alcohol...I won't absolve her for being stupid.
I taught all my children to cross the street safely...if, in the absence of malice, they get run over, I will grieve, but I won't blame the driver.
Your logic is faulty. Your hypothetical assume the driver hits your child by accident. But what if it was intentional? I suspect your answer would be different in that case. These boys did not accidentally violate her. She may have been drunk but even drunk people have a right to expect other people will not intentionally take advantage of them (or intentionally drive over them using your poor example).
Yes, everyone should be held completely responsible for their actions – intoxicated or not. However, she did not act – they did. Those rapists should serve serious jail time in addition to volunteer work at a shelter for abused women. They should carry felony sexual assault convictions with them – and have to register as sex offenders – for the rest of their lives. Can they undo the crime? No? Then their records should never be expunged.
you are always responsible for your own actions when drunk..but you need to TAKE responsibility if you impact someone else. a girl getting drunk and passing out naked is something to be ashamed of.
but men touching her when she's passed out is a CRIME.
rape is rape - whether the woman is promiscuous, married or other... even a husband can be charged with rape. even if the woman has agreed to have sex with him 1000 times before that. no means no.
even at 16 guys know this is wrong. they should be held accountable.
It's sad that things like this should be explained . One of my two sons drinks. Other people have told me that Beautiful, Drunk Women have made passes at him, when he also has been drinking. He explained to me that he would never do that, that he is disgusted by the fact that Men blame Drinking for inexcusable behavior. My father once told me , don't ever blame drinking for anything you do wrong , it's a lie, blame yourself. Pedophiles often blame drinking for their behavior, when actually, that is a lie. Get it yet ? Where was your Mom when you were growing up ? That's right you haven't quite grown up.
On how many levels is this wrong? and do we really need to debate it?
It doesn't occur to anyone that maybe she should not have been drinking, hence putting herself in that situation? I don't feel sorry for her.
The consequence for making a bad decision is NOT sexual abuse.
Just because she was drinking and passed out does not give them the right to assault her
SHe made a mistake we all have, but these young men assaulted her
I can't believe a woman said this about a young lady
Those boys should have felonies on their records for life. That prosecutor and judge should both be removed. The feds should move in and investigate them to see what the connections are between them and the boys. Something stinks from Kentucky and I don't think it's the Colonel's recipe.
I agree something stinks. SOME ONE conected to this case should complain to the judical bar about the judges and prsecutor behavor in this case. Especialy when teens are being fiund guilty of being sex afenders for sending naked photos of them selves on their phones. So i would love to here the explaination for going so easy on these guys for an actual assualt. Not to mention the judges reason for issueing a gag order on this case.
Drinking doesn't give anyone the right to sexually assault her!
Did it occur to you that being drunk didn't give them the right to sexually assault and humiliate her? If you leave your house unlocked do I get to rob you? Is it your fault for putting yourself in that "situation", or would I just be wrong for taking advantage of the situation?
I can't wait until the world wakes up and realizes we need to stop telling people to not "get raped" and start telling people "DON'T RAPE!" instead.
You are just blaming the victim for their abhorrent behavior. It doesn't matter how drunk she was, or what she was wearing, they didn't have the right to assault her. Period. End of story. Their punishment is a joke. She will live with this for the rest of her life. Her picture is on the Internet. They will have clean records after committing what any reasonable person would consider a heinous crime.
NO ONE deserves to be sexually assaulted! DRUNK or SOBER! They waited until she passed out so they would NOT hear her say NO! I don't understand your thinking! ( thank goodness!)
If the boys had found a gun and killed her, would that have been her fault for drinking?
So what does occur to you is that if someone is drunk in your presence, you now gain the right to have sex with them? Stop and think about what you're saying.
She Didn't Deserve To Be Sexually Violated,If I Were Drunk,I Know I'm A Lot Older,But I Wouldn't Consider Some Girl Who Looks Like She's Probably Asleep,To Then Think OH Well I Think I'll Go And Have Some Fun.They Couldn't Have Been That Drunk,If They Had The Wherewithall To Film The Assault On Their Phones,And Find It Funny.At That Age Everybody Virtually Gets Drunk,Wasted Does Silly Things-NOT SEXUALLY ASSAULT A VULNERABLE GIRL.
Why do you want to blame the victim? I remember when I started to drink occasonally in high school. It was 1955 and at 15 I had just been orally gang raped by six older boys at the beginning of our senior year. Because I was warned to tell no one (and anyway felt like damaged goods), I had no way to "put it behind me." But I had to continue going to the same high school in classes with some of the youths (in fact more men than boys) in hopes that I would graduate and find a way out of the mess. One day I remembered that my grandmother kept a bottle of whiskey in her closet for when her sons and my uncles visited at Thanksgiving and Christmas. As bad as it tasted, I drank enough that I fell asleep for a while, and there it was - self-medication.
Probably I'm lucky that I didn't like the taste that much. I don't even drink now. Maybe that's because I went through years of therapy after initially repressing but then recovering (in my forties) the awful and outrageous memory of what they did - not because I was drinking with them, but because two of them came to my home to ask me to go to a local restaurant with them. When we got there, the other four jumped in the car and basically kidnapped me to a local park.
Personally, I believe rapists and other molesters and abusers should be responsible for the consequences of their actions, whether they are drinking or not. We try to hold drinking drivers responsible for the injuries they do to others, and so we should hold drinking rapists or molesters responsible for theirs. Besides, lots of guys provide alcohol and sometimes date rape drugs to women and girls simply to take advantage of them
I think the real questions here are why are 15 and 16 year olds getting drunk and passing out? Where were the parents of both parties? Obviously the boys should be punished more but should the girl go unpunished? She is a victim I agree but she is also not innocent in this matter.
Umm, no. Despite drinking, there is no excuse for their behavior.
If a girl is assaulted after she trips and hits her head, is she responsible for the behavior of those around her?
'Cause that's what you're saying.
If a girl intentionally bangs her head into a wall until she passes out, she deserves some of the culpability for a couple of young boys doing something stupid around her.
Not all of it, hence the plea bargain.
This is wrong on so many levels!!! SHAME ON THE PROSECUTOR AND JUDGE for making this VICTIM a VICTIM again!! They both should be fired and those boys need to be properly sentenced!!!
This is horrible. Prosecutors are supposed to be working for the people, NOT the accused.
Savannah is not a victim. Love how she fought the system. You go Girl!
It shouldn't matter if she was completely hammered or wide awake, how she acts when she's straight or drunk...touching someone in a sexual way without their permission is NEVER acceptable. EVER. Regardless of any judgement you may place on her character, Myviewis, other's rights end where hers begin and that is being SAFE in her own body. What an ignorant response. I hope it never happens to your daughter.
How do you know she didn't ask for it? Were you there?
Drunk chicks CAN ask for sex, ya'know.
I'm sorry, but did you miss the part that said she was passed out on the floor? Hard to "ask" for sex when you are passed out! And the boys admitted that she was passed out as well.
Savannah – Thank you for being strong and brave. Stay strong!!
It's appalling that the boys would get off so lightly when they did it because "they thought it would be funny". Rape and sexual assault are not a joke. These teens are old enough to understand that. By imposing such a lenient sentence, they've essentially been taught nothing and the victim has been victimized again. I support her decision to out them. They deserve to be publicly shamed and I hope the judge imposes something harsher on them.
These teens are also old enough to understand they shouldn't have been drinking. The experience is the lesson, for both parties involved.
It's a lesson, alright: our culture doesn't care enough about sexual assault, is quick to blame the victim, and your neighbors aren't going to lift a finger in your defense once you've been assaulted.
My just 15 year old niece was raped at a high school party two weeks ago. She was drunk and doesnt know how many raped her. She just turned 15. Photos have been posted on the internet. You are doing a story on this tonight and I hope there is some justice we can learn from your story to avenge our niece.
She must have been pretty drunk to have laid on the floor passed out, not sure those boys thought she would be against them touching her, we don't know how she behaves when she is drunk. And the other friends were drunk also so we don't know how much they remember.
Oh yes, blame the victim. People remember because those boys took pictures and showed them off to their friends!! When a girl gets drunk with friends, most assume they are safe from sexual assault. She did NOT give consent, so the blame lies with the boys. And it does NOT matter how she acts when drunk. She did not give consent. People like you who try to blame the victim make me sick.
So you think its ok what they did cause "hey we didnt know" i dont see how u can equate being passed out to giving consent to putting your fingers in her and senting pictures of it cross the web. Which by that state you must be a guy and capable of doing the same thing. The old adage "she was wearing a short skirt so she must had wanted it" sounds right up your alley.
you're "not sure those boys thought she would be against them touching her"????? um, I'm sorry, but are you kidding me? Whether she was intoxicated or not, they do not get to RAPE her. They weren't sure? Did she say "yes"? NO. Was she capable of saying "yes"? NO! Regardless of your ASSUMED possible prior behavior for her, they are RAPISTS and deserve a much more severe punishment. You are pathetic. Savannah is an amazingly strong young woman for exposing them. Bravo to her. Boo to you.
If she cannot give them consent (Meaning she is conscious and aware of her surroundings/actions) then that means that it's rape and/or sexual assault.
Just because I woman is willing while she's awake doesn't mean she's willing while she's asleep and it is NEVER okay to sexually molest someone while they are incapacitated in ANY form.
You can't just sexually assault someone because you THOUGHT they would be okay with it and any actions they make while they are drunk does NOT excuse someone taking advantage of that person.
You should feel ashamed of yourself for trying to blame the victim for the actions of the attackers. It is NEVER the victim's fault. Period.
Your view is disgusting. Passed out means unable to consent and that would still hold true if she were acting inappropriately herself.
You can't be serious. Yes, she must have been pretty drunk to have been passed out on the floor. I know of grown adults who find themselves drunk and passed out on the floor, and they have been drinking for years. Also, this is not a matter of how she behaved while she was passed out because she was, in fact, passed out. Furthermore, it doesn't really matter how much anyone else at the party remembers. They weren't violated. And it's on video.
Great, another who makes excuses for rape. I don't care how drunk I am, I'm not putting my fingers in someone passed out, no matter what they are like sober, but especially as a joke .. and if you think you'd get away with doing it to one of my loved ones – you are seriously mistaken, no matter what the courts say.
It's a little ridiculous to imply Savannah deserved to be raped because she was drunk and passed out. Frankly, your response is especially disturbing as the article clearly states she was unconscious. Alcohol never excuses genital violence. The culture that uses alcohol as an excuse allows rapists to get away every day.
There is no formula to avoid rape. Drunk or not, it is not the woman's fault but the rapist's responsibility to self-police themselves. A rapist is responsible for his or her behavior. And frankly, regardless of a women's behavior (you seem to apply she was flirtatious), a woman who is flirtatious, expressing desire, or open about her own sexuality can not be punished for such. People have a right to feel; they have a right to express themselves.
It's pretty ironic to use alcohol to blame a rape victim, and then use alcohol to excuse the behavior of two rapists. Last time I checked if someone is passed out on the kitchen floor you check to see if they're okay. You don't take turns penetrating that individual before brazenly spreading photos on the virtual world.
Them being drunk is no excuse for what they had did to her, she had no idea what had happend untill the boy started showing the photos that they had taken months ago when they had raped her, so that shows that they were not drunk and knew what they were doing.they should have to registerd as SEX AFFENDERS for doing this to that girl.
This is an honest statement.
It's _NOT_OK_ to ruin 2 young boys lives totally and forever because they did something stupid to a young girl who may very well have asked for it.
If you think it is ruining the lives of young males to prosecute them for a crime based on evidence they themselves provided by sharing pornographic picures which shamed and humiliated their victim, what do you think their crime did to her life? I believe the first concern needs to be for the victim rather than the perpetrators. Let's help her get her life turned around and going in a positive direction now - no longer a victim but a survivor who has overcome some strong odds against her.
And perhaps if the young men will "man up" and accept their punishmen, they will learn something from their required community work with women's charities and be able to go on to live better adult lives than if they had been allowed to get away with their crime and continue to think of girls and women as mere objects with which to amuse themselves.


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You can contact us at any time and we suggest you that you should take the prior appointment as it will save your time and with this we are able to provide you our quality service. It is considered as one of the most effective way in keeping your life protected from the enemies by means of assistance from the well known specialist. Girlfriend Vashikaran Specialist tantrik baba ji often make use of black spells and is quite similar to that of practices performed in case of vashikaran. We are famous for our services and we have the capacity to solve your problem no matter the problem is small or big we will solve all the problems at ease. We have the long queue of satisfied clients and we give them complete assistance till the time they do not get complete satisfaction. So you can reach to us without giving any second thought. Girlfriend Vashikaran Specialist tantrik baba ji also uses the spells and tantrums being used in a black magic spell which is popularly known as the Voodoo spell. It is performed with the motive of controlling one mind and actions on which the spell is being performed. They are recommended to solve many issues. It is very much similar to that of Vashikaran practice that is performed to entail good luck and to influence love in life. Girlfriend Vashikaran Specialist tantrik baba ji is known for its genuine and honest services. We do on harm to your identity and we also take care of all your secrets. We value your presence and are here to serve you from long time. so don't take stress that we do cheating and will run away after taking the token money from you. Just give a chance to us to serve you with all the possibilities and we will take care of your problems. You can trust us and enjoy the service with perfection. Our services speak and so our name. If you are still in doubt then you can ask someone or can visit our website. There you will get the whole information about our services. Just give a chance to serve you and we are sure that you will come again to us and will suggest our name if you find the other person in the problem..
Life is unsecure and no one knows what the other part of life will take along on your way.To bring life in a predetermined way most of the people, prefer to take the assistance of the Magicians and astrologers.In this they perform Black Magic.This magic came into existence from the times of ancient science.It is performed by performing powerful rituals that were used to control the thinking power of other person or in simple words, we can say that the magic is performed on the other person so that he can perform the tasks as per our desire.It has so much power that this Black Magic can bring the life of the dead person.If you are in love with someone, but the other person is not interested in you then also this magic will show a positive effect on that person.Now everything is in the hands of an individual.It is important that in order for the desired result the client should consult the experienced person so as to get the quick and effective results.By using Black Magic one can easily take the revenge from the other person and sometimes they can even kill that person.If this magic is performed by experienced magicians then you don't have to worry about.Their expert hands will not leave any evidence behind so relax and enjoy the services of great Black Magicians.They turn the nature according to their desire and that situation also works as per his order.By using all types of force they are able to make the situation work under their control.This magic is used to kill someone if you don't like them.Through this magic you can bring your love back to your life and can have a peace in life again.It does not leave any evidence behind so you can take their services without giving a second thought.If you want an accurate service and you want that everything should be done according to your desire, then it is highly advised to take the services from the experts as they have the years of experience in this field and if some problem arises they can handle it smartly and carefully.Our expert Black Magicians havethe power to create a circumstances according to your desire.Do not wait for the correct situation and if you are worried about the problems in your life, then you can take the assistance of the Black Magic and it has the power of solving all types your problems no matter the problem is big or small.But here you will get the accurate assistance and you have a peace in your life.Leave all your stress and tension on us, we will take care of all your stress.One thing is important that you should give all the facts with Black Magicians as it will help them to take the action.
Vashikaran mantras are the powerful tools which are used to capture the mind of the human body.The today's generation is moving with the technology and they do not believe in these types of mantras and powers.But these mantras exist and are practiced regularly and it cannot be ignored in any situation.These mantras are applied on the persons on whom the client wants to apply the magic and want to take the control of his mind.Vashikaran applied by an expert who have supernatural powers and aim to practice their power in serving the clients in all possible ways.Through Vashikaran the person is able to solve any type of problem in an efficient and effective way.TheVashikaran specialists have the experience to tackle any type of problem and they offer the best solution to its clients.It has the solution of Love marriage and if you want to apply the magic on your lovers, then also Vashikaran mantra will help you out.Any type of problem such as career,education,business, relationship, whether it is personal or not personal Vashikaran has the accurate solution for your problem.It is highly advised that please take the advice from the best and famous vashikaran in order to get the appropriate solution.Vashikaran experts are looking forward to help an individual and they provide their excellent services to its clients.They provide their services on the basis of their knowledge and experience.With the time the Vashikaran mantras has captured nearly all types of customers and with their services they are able to fulfill any type of desire.
These mantras are so powerful that they have the capacity to solve any type of problem and these services are not only famous in India but it is also practiced in foreign countries.By showing the positive services the Vashikaran is gaining its popularity among the citizens.Once they are not able to find the solution of the problem, they directly reach to the specialists and demand for their help.The specialists have the solutions for all your problems no matter how big the problem is and they apply their mantras in a safety way.Their aim is to solve the problem and in other hand, they also take care of the power of mantras that how will they react when it is applied on an individual.These mantras do no harm to an individual and in most cases these are applied to show the correct path to an individual.So don't take stress and you can reach to Vashikaran specialists as you find yourself in a problem.Follow their advice and enjoy the positive outcome of the problem.You are able to stay the stress free life and can enjoy the rest of the life without any problem.From disputes to the differences, from betrayal to the love problem they have the solution for your each problem.If you want smoothness in your life, than do visit to Vashikaran specialists.Vashikaran Specialists have the tendency to turn anything according to their own interest and they can solve the problem of their clients smartly.Without even meeting the person they apply magic on them and with the effect of magic they take over the mind of them and with this they are forced to do the things and act as per the desire of the clients.Today is time of educators and science has captured nearly all the brains of the persons.But sometimes science also shows its limitations and with this it shows its drawbacks.Vashikaran Specialists can solve any type of problem the person is facing.If you are tired of your life and want to get relief from the drama in your life, then you should contact Vashikaran Specialist and get the best solution from them.Through their magic they are able to control on the emotions and with they are able to control the movements of an individual.Here you will get the best solution of your problem and one more thing they will not harm anyone.No matter the problem is small or big they will offer you the best and executed solution for your problem.Sometimes the problems are tricky and there are many problems in life and it is not necessary that each and every individual can solve it on their own.To get the best solution they need the assistance of the Vashikaran Specialists.They guide you in all possible ways and are available at your service for all hours.This world is full of dissatisfied and unhappy people.Sometimes they are so much suffocated that they try to end up their life.But to end the life is not an appropriate solution.To get out from this situation, the Vashikaran Specialists are contacted and they use their experience to solve the problem in an efficient way.The vashikaran expert astrologers solve the problem in an astrological way.They use every kind of magic and provide them with the best solution.The satisfaction of the client is the main aim of their existence.They have the power to solve their problem and with this they are able to create their identity in this machinery and technology world.Science has the solution of all the problems, but in the case of emotions and feelings science has its drawbacks.Get the bets solution for If you want love back in your life, If someone is angry from you, If you have a problem with your colleagues, If the boss is not ready to listen you And many more problems are solved by the Vashikaran Specialists. Here you will get complete assistance and get the correct result.They are full of energy and with this they are able to show their positive energy to all of its clients.If you have any problem and want the quick result in your life, then you can contact Vashikaran Specialists and can enjoy the happiness of life.A vashikaran mantra specialist astrologer has the indubitable knowledge, and a great believer in these spiritual, supernatural power by which he will resolve all the problems and finds the best solution to the problem.This mantra has the power to control the emotions and thinking power of an individual.When this vashikaran mantra is applied on an individual, then the person loses his own thinking capacity and he starts thinking as the mantra says him.It involves in the task which he do not want to do and he makes even impossible things to possible things.He fulfills the needs of their clients by invoking the divine powers of the universe and with the help of the mantras he gives the best solution to its clients and accomplishes all the wishes of the individual.Get the complete service of love vashikaran and get the best service of the vashikaran.Love is a great feeling and it brings light, hope, expectation and happiness in the life of an individual.He always wants that love should remain in his life and wants to earn a reputation on this planet.But the situation do not remains same always.Love fades with time and even the lovers do not want to stay together.To light the spark of love, Love Vashikaran came into existence.This mantra is applied on the lovers so as to create the attraction in them and it also removes all the problems and misunderstanding between them.To keep the feeling of love alive in their life they put all the efforts through their mantras and with this they are able to stay together for life time.There are lots of problems in the life and sometimes the problems create a boundary between the lovers.This boundary can be of ego or any other problem.These days ego is the root cause of problems in the relationships.But thanks to the Love Vashikaran.They solve all the problems even without disturbing their life.To get the effective solution of the lovers, this Love Vashikaran takes the charge to solve the problem.They charge nominal fees and don't worry, they do no harm to your existence and especially your lovers.Be sure that you give all the evidence and give them complete information so that they can help you out in your desired way.Get the solution of all critical problems and look forward to get the help of Love Vashikaran.It will solve your entire problem in an easy way and with this you are able to attain the happiness in your life.Stay in a love with your lovers through our expert help ad enjoy the taste of life.Life is full of swings and it is full of mishappenings.Don't give a permanent place to sadness in your life just relax and be happy with the help of Love Vashikaran.Give a chance to us to serve you with better options and enjoy the life without any problem.

subset: commoncrawl


text: Cryptography is an indispensable tool for protecting information in computer systems. In this course you will learn the inner workings of cryptographic systems and how to correctly use them in real-world applications. The course begins with a detailed discussion of how two parties who have a shared secret key can communicate securely when a powerful adversary eavesdrops and tampers with traffic. We will examine many deployed protocols and analyze mistakes in existing systems. The second half of the course discusses public-key techniques that let two parties generate a shared secret key. Throughout the course participants will be exposed to many exciting open problems in the field and work on fun (optional) programming projects. In a second course (Crypto II) we will cover more advanced cryptographic tasks such as zero-knowledge, privacy mechanisms, and other forms of encryption.


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Kyrie Irving Traded To The Dallas Mavericks By Vinny Lospinuso – Vlog
Zennie62Blog.com – vlog by Zennie62 YouTube.
via IFTTT
Note from Zennie62Blog.com, Zennie62 YouTube, and Zennie62Media: this Zennie62Blog.com video-blog post demonstrates the full and live operation of the latest updated version of an experimental Zennie62Media , Inc. mobile media video-blogging system network that was launched June 2018. This is a major part of Zennie62Media , Inc.'s new and innovative approach to the production of news media. This is what we call "The Third Wave of Media". The uploaded video is from a vlogger with the Zennie62 on YouTube Partner Channel, then uploaded to and formatted automatically at the Oakland News Now Blog site and Zennie62Media -created and owned social media pages. The overall objective is smartphone-enabled, real-time, on the scene reporting of news, interviews, observations, and happenings anywhere in the World and within seconds and not hours. Now, news is reported with a smartphone: no heavy and expensive cameras or even a laptop are necessary, thus less chance for Zennie62Blog, Zennie62 YouTube vloggers to be robbed. The secondary objective is faster, and very inexpensive media content news production and distribution. We have found there is a disconnect between post length and time to product and revenue generated. With this, the problem is far less, though by no means solved. Zennie62Media is constantly working to improve the system network coding and seeks interested content and media technology partners.


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If you have an experience with Virtual Financial in St. Louis that you'd like to share, feel free to do so in the comments below. Our goal is to help answer the question:
Is Virtual Financial a ripoff?
Virtual Financial (Virtual Financial Group) began operations on July 17th, 2013. Many typical "growing pains" of a start-up company prevented VFG from doing much that year, and after several months of system tweaking they held their official "Virtual" launch on April 8th, 2014.
Positioning itself as a virtual insurance company for established insurance agents and entrepreneur-minded individuals looking for a new career opportunity, Virtual Financial Group's claims: No more driving to meetings or appointments, work from home, delegate sales to pros, our exclusive system is proven, streamlined & profitable with the very best training & tools 24/7/365 anywhere you can connect to the internet.
While each individual's experience and success with VFG is solely based on personal effort, the underlining foundation is all the same.
- Virtual Financial is in the business of selling life insurance products. No commissions are earned by hiring (recruiting) new agents.
- Commissions are earned when a life insurance product is sold. VFG sells and represent some of the most recognizable brands in the insurance industry with first-year commissions up to 126% paid out to the field and with up to 5.85% for renewal years. (For each agent to be qualified to earn their portion of the commission they must be a licensed life insurance agent. VFG does provide an online training course for insurance licensing as required by your state.)
- Each agent has the same potential to earn and grow within the structure of the company. Commission contract levels are based on sales production and/or personal agency (base shop) growth and sales production. (What this really means is that – like in any 100% commission sales jobs – the people that put in the most effort usually make the most money.)
As you know, there are hundreds of "work-at-home" business opportunities being promoted across the nation. So many, it has become a huge task to sort through the scams, ponzi schemes, money pyramids and worthless product-based business opportunities. When reviewing Virtual Financial yourself, it's important to note that this certainly is not a "get-rich-quick" opportunity. It is however a proven industry, insurance sales, with over a 150-year history of creating the largest group of highest-paid sales people. The key to success is work and determination, which sadly in today's instant gratification minded society has become a lost character trait.
If you have an experience with VFG in St. Louis that you'd like to share, feel free to write a review on Virtual Financial in the comments below.
From Virtual Financial Founders Nominated for EY Entrepreneur of the Yearon
Virtual Financial – The "Amazon" of the Financial Services Industry!
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
I have 37 years in the insurance business and specialized in employee benefits. I was planning on leaving the business and getting into real estate investing but with Virtual Financial's Living Benefits, Leadership, online Marketing program nationwide we have a great opportunity to help millions of people with inovative products and help thousands of people supplement their income or completely change their career all on their own schedule from working at home. Fantastic Opportunity!!!
From Let's Review Virtual Financialon
I was in the tradition insurance business prior to finding Virtual Financial. That meant spending 10's of thousands of dollars on direct mail leads and driving hundreds of thousands of miles to go and knock on doors. Ultimately, with an expected 20% conversion rate. I did do it at a high level and was able to be successful. And, in build an agency showing others how to do the same. But, I always knew there had to be a better way. So, when I found VFG, it was like finding an oasis in the desert. I made the switch and have been building an agency from the comfort of my home using a laptop and a cell phone. I've got agents in 3 states now(planning on all 50. Canada too!). without having to drive and meet them, sign them up, drive them around to train them, etc. Virtual Financial provides a complete, one-of-a-kind, turn key system that anyone, experienced or not, can step into and create success if they are willing to work for it. I worked hard the old fashioned way. So, not shy about working hard in this system. Except, I now do it without the huge expenses of money and time that I used to incur.
Being virtual is the wave of the future. The internet has changed the way the game is played. I see VFG as a chance to get out ahead of the curve and be progressive business leader instead of just being part of the pack that does things the same old way. All the tools are available for success. The system. The training. The products. And, the leadership.
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
Been associated with VF 2 years this month. 2016 I will be another ramp up in income and helping families and individuals. Resignation of the J.O.B is on the plate soon!
From Virtual Financial Founders Nominated for EY Entrepreneur of the Yearon
After learning about Virtual Financial and the potential to work with the underserved market of people and families.
I knew this was my way to help deserving people with such powerful and worthy products. Now almost 2 years of part-time efforts I've put many into a position to leave a legacy. Sleep is good knowing our good deeds are actually planting seeds to help succeed generations of legacies. Powerful and fulfilling industry to be in.
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
Pure Virtual…
Virtual Financial Group is the best financial services industry to secure future. This company has best of modern technology and the best of a 6.2 trillion dollar industry. Virtual Financial Group is 100% virtual; the training, the process methods, the applications and the team building process are done virtually.
There is No need to travel, no need of meetings, 50 state marketplace; and make for a very attractive business model for entrepreneurs to engage in.
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
Fantastic Company…Get in while you still can!
Whether you are a seasoned financial professional or someone who aspires to owning their own business, Virtual Financial is there with full support and training. I knew nothing about the industry but through all of the online training, feel confident that I will be successful in the business. I will say this….no matter how overwhelmed you may feel, they always have your back. The encouragement and support is unmatched…the products are fantastic…and I feel the company will be a household name in the not too distant future. If you are truly thinking about owning your own virtual business, this is the place to be!
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
A "CAN DO" Company for the Independent Insurance Agent
My review of Virtual Financial is kind of straight forward. If you want to work and you want to work for yourself (yes, those are two separate "wants" in my book), and you want the potential to set your life up to be financially independent after working long and hard, then selling insurance and building your own agency within Virtual Financial would be a great opportunity for you. If you want to make a lot of money quick because you're broke and desperate, then look somewhere else for some online ponzi or money pyramid scheme. This is a real career move that require commitment. If you'd rather work in some office at Farmers, Prudential or State Farm insurance…well "more power to you." I'd rather work from my home, or anywhere else me and my computer choose to be, and have the ability for me and my team to literally sell in all 50 states. Virtual Financial Group is not a scam, but it is not for everyone. Like any sales job, it takes commitment and a "I can do it" attitude.
From Virtual Financial Group Shakes Up the Old Guard in $5.8 Trillion Dollar Industryon
One of a kind company!
The combination of lifestyle, opportunity, challenge, resources, and last but not least financial reward in a 6.2 trillion dollar industry makes the Virtual Financial a company to definitely explore.
From Let's Review Virtual Financialon
for the life of me I cannot understand how anyone would want to work in the traditional sense of being a life insurance agent. I was out of the field for many years and after the crash of the mortgage market was introduced to Virtual Financial and I knew instantly that this was the ONLY way I wanted to pursue a career back in the industry. As I remembered the cost of leads, the drive time, the number of" no show "appointments I wasn't going to go back to that dinosaur mode of working my business. Every step of the way this company shows it's true colors through incredible tools and training, excellent teamwork and support, the backing of some of the world's most well branded insurance carrier names, the ease of doing business along with the time management efficiency of never needing to travel . And of course where else can you work in all 50 states and Canada? Try driving to Alaska for an appointment! If there was anything more that Virtual Financial could provide to an agent I can't imagine what and where that could be found outside of this company. Oh wait, it doesn't exist.
From Let's Review Virtual Financialon
America's Best Kept Secret! Work From Home Office in the Distinguished Financial Services Industry!
Virtual Financial has the clear vision, leadership, and tools to stay ahead of the curve in one of the most highly respected industries on the planet. This company is on a crusade to help the American people who need it most not only the wealthy. Virtual Financial will have an competitive advantage of reaching many of those fine Americans via the virtual business model. Other companies may try to follow us, but few will ever come close to how it is all put together.
Another distinguishing factor that sets Virtual Financial apart, aside from the virtual aspect, is that people who are new to the industry can be successful using our unique tier system. In this way, individuals new to the industry can refer sales to proven industry consultants, and still make an excellent commission in so doing. Even more interesting, is that there is an established system to acclimate anyone coming on board to hit the ground running. This traditional industry has always struggled with this, but not Virtual Financial, they have 'practically perfected' this process!
From Let's Review Virtual Financialon
The comments so far hit the nail on the head. I looked at this from a business owner viewpoint. Low start up costs, high returns, system in place with people smarter than me in the areas I would need to be the expert. The only missing ingredient is work, and I think we all have been use to that.
From Let's Review Virtual Financialon
Virtual Financial Group VFG offers a Virtual platform…no dressing up and driving to training or appointments
Assembly line process…no need to know the entire process, just your portion of the process
Offers the Highest payouts in the industry
100% Advance commissions
126% Payout to the Field
40% Advance on Submission
Paid 2x weekly
Top Renewals 5.85%
and the list goes on and on…
Best consultants to work with you and your prospects, 30+ year experts!
Great product portfolio with over 100 carriers
From Let's Review Virtual Financialon
As a 37 year veteran in the financial services industry who has traveled over 1 million IRS tax deductible miles I have found the perfect business model with Virtual Financial Group. I am building my nationwide business from the comfort of my home office in Northern California. Every aspect of my business is virtual; no meetings, no travel, it is incredible.
From Let's Review Virtual Financialon
I agree with everything stated. However, because of my age, I have noticed a couple additional niches. The first one is coming to forefront more and more lately. The second one is just my observation.
1. You have shared some articles from Forbes and others and I have shared articles from a senior publication about the need for seniors and retirees to supplement their retirement income because either they did not have a retirement plan or if they did not have a sufficient "nest egg" to carry them through their retirement. Therefore you see them seeking funds in the workforce. How sad to see a senior who can barely stand up leaning on a grocery cart welcoming people in the local superstore. VFG can give them a new start on life, they just don't know about it or how to get involved. They tend to have the attitude of "I'm just too old to start a new career." I'll soon turn 73 and I am excited about the opportunity to have sufficient money in my senior years to share with my children, grandchildren and great-grandchildren.
2. As I walk through the Veteran's hospital on my way to a doctor appointment, I see people, both young and old, with limbs missing, in wheelchairs, or being assisted in walking or other chores. When I speak with them I found that many of them are sharp people who for one reason or another cannot return to the work force. Some because of their physical handicap and others because of PTSD or some other war caused infirmity that most employers do not want in their employee populace. What a great vehicle, Virtual Financial Group, for these people to return to society and be a productive person in the work force. VFG can be productive for them because they don't have to struggle or have help to get out, get into a vehicle, go to an appointment or meetings to be successful in Virtual Financial Group. They only need exposed to a opportunity that they can be a part of and can return to the "workforce." VFG is that vehicle.
Of course we must still focus on the primary prospects that fall into the prime category to be superstars at VFG, but I see opportunity at every corner when I am out with my wife shopping, running errands, groceries, etc. to recruit some of these people mentioned above as well as the "young and restless."
From Let's Review Virtual Financialon
I am not the type to leave reviews, comments or opinions often, but when I do it is done with an accurate and balanced perspective. I live in the real world so for those who are interested in an honest evaluation from a +20 year industry veteran I will speak candidly. So that you may understand my perspective, I will give you my background and hopefully you will feel I am qualified to comment.
In past endeavors, I have been a RR a BOS, BOM and OSJ. My background includes personal producer, agency manager, management of multiple locations as well as integrating mortgage banking platforms into traditional financial planning operations. All of this was done successfully in the traditional brick and mortar environment over a 25 year period in Southern California.
Virtual Financial Group ( VFG ) is a unique online model for building agencies/distributing financial products. In my opinion, this is where this industry is already heading, but many companies (other than VFG ) do not know how to execute outside of traditional face to face distribution. The industry, as a whole, does business much the way it did 50-60 years ago even though consumers have changed how they prefer to buy.
On the other hand, VFG is up, running, and paying agents while most in the industry are forming focus groups and committees to figure out how to move at the pace of today's consumers. Where in lies the opportunity. If you consider the value of wasted travel/commuting time, highly inefficient paper application processing, and massive amounts of money spent unnecessarily on buildings/offices you start to see why the VFG model is a winning formula.
Now consider consumers preferring a more convenient, less intrusive way of doing business combined with a growing trust of online transactions overall and you can clearly see the upside. People at VFG work flexible hours (individually chosen) from their computer at the specified roles revolving around marketing, field force management, and financial consulting. They may be engaged in one, two or all three roles depending on preference and experience level.
This approach simplifies new agent start up and ensures quality control simultaneously for Virtual Financial Group. The cold reality is very few are good at all areas of business in the beginning of their career and the traditional industry overlooks this truth. Unfortunately, it leads to unnecessarily high turnover in typical agencies. VFG not only acknowledges this fact but embraces it and has developed systems to make the learning simpler and faster with higher success rates.
They have built a model that allows new agents to succeed at one level while they grow into the other roles if desired. This is quite a departure from from do-it-all sink or swim approach most often found in the industry.
The other aspect of the Virtual Financial Group approach that is intriguing is the compensation plan. Not only is it much higher than what is typically available for agency and agent payouts, they actually have a comp plan that financially rewards managers for growing the field force and making new agents productive. Both the agents and managers are rewarded for the collaborative activity which leads to a cohesive, teamwork approach. It also serves to grow management organically which should be noteworthy to those looking for upward mobility and longevity in an organization.
As I said earlier I would give an accurate assessment of Virtual Financial Group and VFG is not without it's imperfections. It is truly a new model in an wealthy old industry and has it's drawback. For people who really want/need a boss to tell them what to do hour by hour it is a bad fit. Self starters who need pointed in the right direction and will run with the ball with a bit of coaching will shine. For anyone who lacks discipline and focus it will be a challenge since there will be no boss peeking over your shoulder and you KNOW no one will be looking. A second drawback it's that it takes time. Time to learn software, time to study for licenses, time to do marketing, time learn a new mentality. For anyone who wants to start this Monday and have a paycheck this Friday so they can pay their cell phone bill it is a bad fit.
It can and does pay well, but it is a licensed profession that takes time and effort to master…not a quick buck or easy money fast.
The final point (which is also the attractive part of Virtual Financial Group) is that it is new. Not everyone has the right mentality and emotional make up to be a pioneer and blaze trails. There are not 101 "How To" books (or eBooks) on the time tested ways of succeeding in VFG. For those who are mid and late adapters this can be unsettling. Some do prefer to follow the socially validated, well traveled road road rather than lead expeditions. There truly are more followers in life than leaders. I am certain it was not easy for people involved in the beginning stages of Apple, Amazon or Netflix to see a clear path to where those companies were headed. But I am equally sure it was well worth it for those dared to believe in what those organization could become.
My hope is this review makes it clearer for you evaluate Virtual Financial Group.They have put together a platform unlike any other and years ahead of competitors in a very lucrative industry with much needed name brand products. In the end, your success in VFG will really be a matter of drive, focus and belief in yourself to adapt and thrive in new endeavors. They just make it easier and faster and much higher quality of life along the way.
Robert Frost quote —
I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.
From Let's Review Virtual Financialon
I am proud to say I have been with Virtual Financial Group from the very beginning. I have seen the bumps along the way and know we will come across more. But I am committed the mission and the vision of VFG. Never before have I seen or heard of the vision that VFG has in the insurance industry and I believe we are truly in the right place at the right time to revolutionize the this industry. To be able to work from home, away from home, or anywhere you want is such a true advantage. I am a mother of two very active boys and to be able to still work for this company and be there for them before and after school with homework and little league is priceless.
This past December my mother was diagnosed with leukemia and I was able to spend time with her through the chemo and be there at her side while working for VFG. No other company can allow the flexibility to work from home and be there for your family at the same time.
From Let's Review Virtual Financialon
If you are interested in a career in the financial services industry having the proper tools and training are vital. VFG has those tools. All you need is the desire and drive to succeed. If you're looking to get rich over night then this isn't the place for you. True success doesn't happen over night. It happens over time. Find out what your reasons are for getting into this industry first. Then you'll see that all the tools for your success are all here for you.
From Let's Review Virtual Financialon
My review of Virtual Financial Group (VFG), or Virtual all together, I call it "PURE VIRTUAL" because it is becoming pure. Many readers of this review probably don't remember how much money was spent on smog prevention because of cars and trucks, hundreds of billions to have clean air. Leave it to Americans to find a better way to accomplish smog clean up, less cars, work from home and you only need one car, how about lowering gas prices, not so much demand.
So virtual has helped us in way that probably wasn't thought of at the time, less cars and less demand for oil. Also, think back to the last time you had a salesman/saleswoman in your home? Have you ever shopped online? Ever gone online to look up something you needed to learn about, aren't these virtual? Just today
I came out of semi-retirement because I believe so much in the virtual, oh and it just happened to virtual played right into my passion, helping more people. With the US and Canada we have 400,000,000 to serve, I know of no other way to reach that number other than Virtually.
The amazing thing is that the customers love us being virtual, sitting in there favorite room, having a coffee or a cocktail while they learn what can be done for their retirement with no charge at all.
Virtual is here to stay and grow and change our lives for the better, just today in the Seattle Times an article pointed out that under the new designation, broadband is defined as the delivery of Internet data at speeds of at least 25 megabits per second, up from 4 megabits per second. The reason is to protect the consumers from subpar download speeds and goads the industry into offering higher quality services. 20% of the US doesn't have access to the new speed and they are unhappy.
Why? Because we all want better access to the Internet . . . nuf said, Virtual is the future.
From Let's Review Virtual Financialon
A very unique opportunity to work from home in the financial services industry. With a 100% advance, 126% Gross Payout and 5.85% Renewals the money is hard to beat. They pay twice a week and have training offered 24/7/365.
They have a program that allows licensed reps to refer business to experienced consultants and receive 2/3 of the commissions for a referral. This allows reps to work on marketing as their primary focus and not have to learn product details or close sales. The technology, resources and software tools are on the cutting edge and make the process very simple, plus this can all be done from home or on the road as long as you have an internet connection, No Office, No Travel, No Meetings, No Appointments or BS to deal with.
From Let's Review Virtual Financialon
I believe Virtual Financial Group is second to no other business opportunity in the Financial Services Industry for individuals that desire to build a National Agency Distribution
Team of Associates & have an instant National Market to help others do the same thing with no geographic restrictions to limit their upside success!
This is a unique business model that provides me as a National Agency Team Builder & Financial Consultant the opportunity to reach my fullest potential & to help my Associates accomplish each of their individual missions in to accomplish whatever their goals & objectives are Virtually all from their home in the most cost efficient manner there is to do so!
The Virtual Financial Group Business Model is the most incredible system in the Financial Services Industry for an individual that has a entrepreneurial spirit & takes a long term view with his or vision & mission!
I was blessed to be able to build a Nationally Ranked Financial Services Team over my 38 years in the Traditional Model & without question now have the opportunity with Virtual Financial Group to build an Internationally Ranked Financial Services Team & that is my vision & mission to accomplish as I sprint to the finish line of my Financial Services Career.
The Virtual Financial Group business platform truly provides me the opportunity to accomplish my mission & to help many other Virtual Financial Group Associates do the same thing!
I am extremely grateful to get to be part of this unique paradigm shift in our industry that is destined to truly be a defining moment in the history of the Financial Services
Michael Sole, C.L.U.
From Let's Review Virtual Financialon
I ditto the comments of both Steve L and Michael M. Virtual Financial Group is not a "signup and get rich program." Just like anything worthwhile, it takes some dedication and persistence. But for those with vision and a good work ethic, there is something truly beautiful and elegant happening here. And just as with any "disruptive innovation"—be it an Apple Computer, a Microsoft, a Google and countless others, or going much further back in history, a Ford Motors, etc.—there are growing pains in the early stages, and many have misunderstood… or just missed the point entirely. This is something that has never been done before. The beauty and elegance are in 2 respects:
(1) Virtual Financial Group provides, for the first time in history, and at a time when it is desperately needed, an even playing field on which people from all walks of life have REALISTIC chance of achieving success in an industry where previously that success was reserved for very select few, and in which things like race, gender, age, appearance were often limiting factors. And it can be done without disrupting their lives with travel, time away from family and overhead—major challenges in the traditional industry. It provides the opportunity to build and own a REAL business that can take care of their families for year, potentially even generations, to come.
(2) There is a desperate need by a vast underserved population for the financial guidance and the foundational products that VFG offers. It has become critical that families and individuals learn to take responsibility for their own financial futures, yet no one is helping and educating the masses on how to plan, how to properly protect themselves and how to create a secure retirement. (This is arguably critical for the future stability of our entire society.) The VFG model is capable of reaching, and will reach, these masses in the far corners of America and beyond. And it also provides those who do not have the extra income to put into a retirement vehicle, and would otherwise have no prospect of retirement, a means of funding that vehicle on a part time basis, without having to learn an entirely new career.
I believe that anyone who takes the time to thoroughly understand the model which Virtual Financial Group has developed over the last year and a half, will be in awe of the elegance and simplicity of the model and will recognize that it truly is the future of the industry.
Lastly I have to say, having experienced many business environments from large and small corporations to various arenas of entrepreneurship and numerous network models, how much I admire the leadership at VFG. Our founders are true "do it first" leaders. They are not "owners" who sit on top of a company and collect a big chunk of profit off the top while everyone else works hard. They earn their income from the same exact compensation program in which we all participate (while investing money and endless hours tirelessly developing tools and training). We are truly all in the trenches together on a remarkable, historic crusade which will positively impact the lives of millions. For those who are willing to apply themselves, follow a system and stay the course, it will be well worth it!
From Let's Review Virtual Financialon
Virtual Financial Group has a Phenomenal business model for people looking to work from home. Whether you're a retired individual looking for something to do, a stay-at-home mom who wants to stay with her children during the day, or have limitations that inhibit you from leaving your home. This may be just what you're looking for. Keep in mind, this is a business opportunity and with any business, there is a learning curve. If you're looking to trade time for money, then I suggest getting a job. But if you're looking to Build your own business and change your family's financial future, there is no better place. What you will need to succeed in this business model are. Steady income from another source during your transitional phase. If you are currently unemployed and need money this week, this is not for you! Come back in a few months when you're back on track financially. It can take several weeks to a few months to start receiving consistent financial results. Another must, is the ability to follow directions from your support system. The best leaders were the best followers. TIME! you must dedicate consistent time on a daily basis, consistent behavior achieves consistent results. I know you're probably wondering, what will I need to do? What kind of behavior? I have no experience in the insurance industry. Don't worry, there is a paint by numbers system, plug-and-play! Think of it as a road map everything is laid out for you. All you need to do is follow the steps. If you put the same time, effort, and dedication into your business with VFG as you do with your current or past employers. The sky is the limit!
From Let's Review Virtual Financialon
I agree strongly with the comments by Steve L — this business is NOT for everyone!
However, if an individual is willing to put forth the EFFORT and wanted to position themselves for a life of true Freedom–there is no better company than Virtual Financial Group.
Time Freedom, Financial Freedom and complete control of your own destiny.
I work from anywhere, at anytime, in ALL 50 states and Canada with just my phone and computer.
This company has made it possible for the average person(including myself) to achieve and excel with plug and play technology, duplicatable systems, revolutionary financial products and a management team that is second to none and driven for success!!
From Let's Review Virtual Financialon
My review of Virtual Financial Group is kind of straight forward. If you want to work and you want to work for yourself (yes, those are two separate "wants" in my book), and you want the potential to set your life up to be financially independent after working long and hard, then selling insurance and building your own agency within VFG would be a great opportunity for you. If you want to make a lot of money quick because you're broke and desperate, then look somewhere else for some online ponzi or money pyramid scheme. This is a real career move that require commitment. If you'd rather work in some office at Farmers, Prudential or State Farm insurance…well "more power to you." I'd rather work from my home, or anywhere else me and my computer choose to be, and have the ability for me and my team to literally sell in all 50 states. Virtual Financial Group is not a scam, but it is not for everyone. Like any sales job, it takes commitment and a "I can do it" attitude.


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Nowadays, every woman who gives thoughtful preparation to her wardrobe includes a variety of knitted or crocheted garments, because of their artistic beauty and their comforting warmth. Wherever women meet, the art of knitting and crocheting is discussed–the newest garments, the best stitches, the prettiest colors. Many have recently been converted to the charm of this work, realizing that machine made garments do not equal in softness, beauty, and distinctive elegance, those made by hand, and that, therefore, the time spent in knitting and crocheting is both pleasant and profitable.Pleasant and profitable. That goes right to the heart of why I fell in love with knitting.
Pleasant, in the sense that needlework steadies me sufficiently to keep me out of the Police Blotter. Profitable, in the sense that after the pleasure fades I am left with something tangible and (amigurumi and novelty fruit handbags aside) useful in exchange for my time.
The longer I'm at it, though, the less I find I care about the tangible outcome. I had been knitting for years before I learned about gauges and swatching; once I learned about them, it was another few years before I learned to care. I didn't want to swatch for the thing, I wanted to make the thing. A rogues gallery of the elephantine and miniscule hats that followed would be shown here as evidence, if said evidence had not been destroyed.
After the fifth gift hat a friend refuses to wear because she could easily fit her own head and those of both her children inside, you start to get the message: Swatch. Swatch, and learn something.
Nowadays I love practicing, experimenting, playing with process.
When I get the "What's that you're making?" question, about half the time the true answer is "Nothing in particular." But that draws puzzled looks and prolongs the conversation, so usually I just say it's a scarf. Non-knitters are satisfied, since they can't tell the difference and don't really care. Knitters glaze over at the word "scarf" and will happily change the subject, which allows me to go back to swatching.
A new-to-me technique is my favorite thing to swatch. Recently I sat down with a book that's been on my worktable in the "PLAY WITH THIS" pile for ages, Alasdair Post-Quinn's Extreme Double-Knitting: New Adventures in Reversible Colorwork. Full disclosure: I saw the book before it came out, and liked it. I liked it so much that there's a quote from me on the back cover, saying so.
But this was the first time I really sat down and threw myself into working from it. I'd played with two-color double-knitting before; but it was of the slip-this-side-then-slip-that-side variety and I found the process tedious and the results unsatisfactory.
I like Alasdair's method, though. You get a firm, handsome, dense fabric with it. And when I say dense, I mean dense enough to wear as a winter hat in Chicago when you are a bald male of Mediterranean and Middle Eastern descent and therefore are genetically designed to crumple at the first blast of January wind from Canada.
Alasdair takes "Extreme"–a sadly overused word these days, often denoting either a modest level of skill or an immodest level of bad taste–seriously. His basic method in two colors is a bit of challenge to begin with; but he blows past two-color reversible patterns into working it in the round, shaping it, adding extra colors, working different patterns on opposite sides of the same fabric, double-knitting cables and other textures, and building three-dimensional double-knitted objects. He would probably have zoomed onward into metaphysical double-knitting that alters the time-space continuum if the editor had not at last told him to Put a Lid on It.
I waded into the shallow end with a wrist warmer. The design in the book is cute–a pair of opposing spirals–but as usual I had to get funky and Make It My Own so I adapted a pair of charts from a book I bought at the university bookshop in Reykavik. One is either a flower or a snowflake. The other is a dragon, a griffin, and a Boston Terrier all at the same time.
The result–worked in DK leftovers from my stash–was fun to knit. It's a real charge to flip your work inside-out and see the same pattern with the colors reversed.
This was fun enough that I know I'll take another crack at it, albeit with smaller needles. Alasdair urges you to work at a tightish gauge, and he's right. This specimen, worked with a size 4, would benefit from sliding down to size 2.
My wristlet looks more than a little frowsy and is much too big for my wrist, yet I keep getting compliments on it at the coffee shop.
Yeah. Cup sleeve. I know I said it was going to be a scarf, but I really meant to say cup sleeve.