text:
Real Estate Sales Statistics in Murrells Inlet, SC - January and February 2010
Fast Stats – Murrells Inlet, SC Home Sales
There are currently 482 homes listed for sale in Murrells Inlet, SC.
49 homes have sold in the Murrells Inlet area in the months of January and February, 2010.
71 properties are pending sale in the Murrells Inlet area.
Sales activity in Murrells Inlet, SC compared to this time last year (2009)
In January and February of 2009, there were a total of 35 sales. In the first quarter of 2009 there were 56 closed transactions in Murrells Inlet, SC overall. If the market continues on its current track we should end up with approximately 80-90 closed transactions in the first quarter of 2010! That's an increase of 40%! Increases like this are being noted across the nation; take for instance Sarasota, sales have risen 49% when compared to 2009!
Average length of time a Murrells Inlet home has remained on the market
The current average length of time a Murrells Inlet home has remained on the market is 170 days.
Average sales price of a home in Murrells Inlet, SC
The average sales price of listings that have sold in the Murrells Inlet area in January and February is $230,394. The most expensive home that sold in Murrells Inlet in January and February sold for $720,000. Listings in January and February 2010 have sold for 85% of their original list price.
Many of these properties, unfortunately, have been overpriced by sellers for years, once prices were adjusted and reduced accordingly, the properties sold. If we remove two listings that sold for half of the original list price, this average jumps to 91% of the original list price. This just goes to show how two sales can affect averages in a local real estate market. Now that properties are being listed more realistically, they are starting to sell quicker. Realistic prices means sellers are seeing offers that are much closer to the sales price they are asking for!
To search for available homes in the Murrells Inlet, SC area, use our convenient MLS Search Tool. All listings are updated daily! For more information about the Murrells Inlet Real Estate Market call (843) 457-3994 or contact us today.


text:
Researchers probe "the right stuff" in horse riders
Astronauts called it The Right Stuff – the essential abilities and qualities needed for success.
Now, researchers have explored the key psychological elements behind the success of jumps riders, finding that one quality in particular sets them apart from lesser rivals.
While rider athleticism and physical skills play a role in showjumping, researchers recently focused on the psychological skills riders possess, such as attentional and emotional control, and the ability to manage negative thinking.
Understanding those psychological skills is what drives Dr Inga Wolframm, from the University of Applied Sciences Van Hall Larenstein in Wageningen, the Netherlands.
"Those incredible mental skills are the ones that fascinate me to this day," she says. "What are they? Can we teach them?"
Research from other sports has shown that such skills play an important role in the success or failure of athletes, but to date, no such studies have been conducted on equestrians.
Wolframm and her research partner, Elin Ottersky, devised a study aimed at finding out exactly what those mental skills are for competitive show jumpers.
Wolfram presented the findings to delegates at the recent International Society for Equitation Science annual conference in Delware, in the US.
The Test of Performance Strategies (TOPS) is a self-report instrument designed to measure the sport psychological skills and strategies used by athletes in competition and during practice. It was adapted to equestrian sports for the study, becoming known as TOPS-E.
The researchers recruited 73 American showjumping and hunting riders, of international, national and regional levels of competition in Ocala, Florida.
Before competing, the riders completed the TOPS-E assessment, which explored self-talk, emotional control, automaticity, goal-setting, imagery, relaxation, negative thinking, and attentional control.
The most significant finding for researchers surrounded automaticity. Years of careful practice in showjumping leads to elite riders having automaticity – the ability to unconsciously perform physical acts such as delivering the aids when riding.
The results indicated significantly higher levels of automaticity for international riders, compared to national and regional riders.
"The higher up in the level of performance you are, the more you can allow your body simply to react, without having to think about it," Wolframm says.
Essentially, "the better you are, the more automated the skills", she says.
Having automaticity over the physical side of riding may allow a rider to free up their thinking processes to focus energy on the important mental skills required in competition.
When it came to differences between the sexes, researchers found that women were more likely to engage in negative thinking than their male riding counterparts. The researchers said this was similar to findings in non-equestrian sports.
Additionally, focusing on internal versus external events is of great importance to riders, says Wolframm.
"We also know that elite riders stress the importance of mental skills and relevant attitude more than amateur riders.
"Amateur riders tend to focus very much on external events, while the elite rider says, 'No, no, you need to come back to yourself, to your own emotional strength'."

subset: commoncrawl


text:
When RJ Parsons put stop-loss orders on his 5,000 shares of MannKind Corp., he thought it would protect him from losing a chunk of his investment. "That was about a $12,000 mistake for me," the 59-year-old retired military officer from Malibu, Calif., said in a telephone interview. MannKind dropped 38 percent within minutes on Jan. 19, five hours before the biotechnology company failed to win approval for a diabetes treatment. Stop losses are orders to sell when a stock's value drops to a specified price. Many investors like Parsons use them to protect gains if they go on vacation for a few days, for example, or don't monitor their holdings regularly, said Randy Frederick, director of trading and derivatives for San Francisco-based Charles Schwab Corp. with 8 million brokerage accounts. They often don't understand how dangerous it may be to rely on them, said Frederick.
That's because stop losses may be executed before a stock rebounds when there's abnormal trading. The shares also might be sold at the next available price, which may be far lower than expected, said Frederick, who's based in Austin, Texas. They're especially dangerous when a stock closes at one price and opens lower the next trading day due to news that breaks overnight or during a weekend, Frederick said.
Market volatility over the past two years, such as the decline on May 6 that briefly erased $862 billion in value from the equity market in about 20 minutes, is even more of a reason not to use stop losses, said David Donabedian, chief investment officer for Atlantic Trust Private Wealth Management in Baltimore.
"A staggering total of more than $2 billion in individual investor stop loss orders is estimated to have been triggered during the half hour between 2:30 and 3 p.m. on May 6," Securities and Exchange Commission Chairman Mary Schapiro said in a Sept. 7 speech in New York. "The broad market indexes dropped more than 5 percent in five minutes, only to rebound almost entirely in the next 90 seconds," Schapiro said.
In Parsons' case, he had a stop-loss order at $7 on 2,000 of his MannKind shares, which he bought at $8.50 through his online brokerage account with Boston-based Fidelity Investments, he said. When MannKind, based in Valencia, Calif., fell to as low as $6.05 at 10:36 a.m. New York time from $9.37 within a minute, Parsons' position was sold. The stock bounced back to about $9 by 11:57 a.m. when Nasdaq halted trading through the 4 p.m. close of U.S. exchanges that day because of "news pending," according to data sent to Bloomberg.
"Poof, it was gone," said Parsons, who said he's a real estate investor and entrepreneur. "I've been to Vegas with some fast company but this was pretty fast."
Parsons then placed another stop loss order at $9 to protect gains on his remaining 3,000 shares, he said. MannKind announced around 3:30 p.m. on Jan. 19 that the company failed to win approval from the Food and Drug Administration for its inhaled insulin. The stock plummeted as much as 45 percent in late trading and when the market opened the next day, Parsons said his shares sold at $5.07, $4 less than his price.
"They remove investment judgment from the equation," said Donabedian, who generally advises his clients against placing stop-loss orders on shares. Atlantic Trust, based in Atlanta, has more than $16 billion in assets under management. Investors don't always get the price they want and may lock in a loss before a stock rebounds for a "double whammy," he said.
Stop limits are another tool traders use, said Gregg Murphy, senior vice president of retail brokerage at Fidelity, which has 12.7 million retail brokerage accounts. These orders guarantee a price but not an execution of the sale, he said. They may not provide greater protection than stop losses because if a stock falls below the limit before it's sold, investors may be stuck with the security, Murphy said.
Parsons, the MannKind investor, said he presumed his stop losses were in place for normal trading. More should be done to protect investors from extreme price drops and rebounds within minutes as a result of electronic trading, he said.


text:
Risk Management Resources from the Coalition of Companies that Care
Enter the mind of a marketer
Here's how to get in the right mind-set to make risk-management decisions.
New risk-management tool
A new book, "Get Started Marketing Well," is now available to help educate dairy producers on using risk-management tools. The book discusses key principles to follow and common pitfalls to avoid.
Workshops to teach risk-management strategies
Workshops to be held in New York in January are designed to help dairy farmers optimize income while minimizing risk during times of volatile milk and commodity prices
Producers cautious heading into 2010
Risk-management more important than ever.
Tame the Roller Coaster Ride
When it comes to managing prices, take the following approach to risk-management tools
Prepare now for better times
Everyone, regardless of what industry you are in, feels the effects of the current economy. Right now the dairy industry is struggling more than ever with low milk prices and high operating expenses.
K-State schedules risk-management conferences
The Risk and Profit Conference will be held Aug. 20-21, 2009, at the K-State Alumni Center in Manhattan, Kan., and is designed to give agricultural producers and affiliated businesses a competitive edge in their operations.
Web site offers risk-management education
Trading commodities like corn and soybeans can be risky business, even for seasoned traders.
Risk management tools a must
An unsettled national and world economy in combination with other factors have more than doubled the amount of money at risk for U.S. agricultural producers, says a University of Illinois agricultural economist.
Risk-management online tool available
USDA's risk management agency (rma) has launched an online resource to aid farmers and ranchers in focusing on how to protect against down-side risks, as well as how best to take advantage of up-side opportunities in the market.
Navigating Uncharted Waters
Rising feed and energy cost, brought on by a new global economy, are cutting into profit margins. The problem won't be going away anytime soon. Given the permanence of the situation, along with record-high commodity prices, dairy producers are finding themselves navigating in uncharted waters. It will require some new compass points and ways of doing business.
Every producer should learn to manage price risk
Each year, I see the level of sophistication within the dairy industry increase as producers learn to take advantage of new resources to help them manage their businesses.
Lock in a cost for feed
What do we do well?" and "Is it a profitable enterprise?" When John and Pete Kappelman started asking these two questions about 15 years ago, it opened the door to change their dairy farm for the better.
Become a price maker
In October of 1999, I had a conversation with a distraught and angry dairy producer over milk prices.
A "teachable moment" for using risk-management tools
Joe works for a company with a 401(k) retirement plan. The plan gives him a number of choices for investing his funds.


text:
S-Match is a semantic matching framework.
S-Match takes any two tree like structures (such as database schemas, classifications, lightweight ontologies) and returns a set of correspondences between those tree nodes which semantically correspond to one another.
S-Match contains implementations of the semantic matching, minimal semantic matching and structure preserving semantic matching algorithms.
S-Match applies as a solution in many fields, including: information integration, ontology evolution and alignment, peer-to-peer information sharing, digital libraries integration, web service composition, agent communication, and query answering on the web.
S-Match is extendable to host new algorithms.
- includes three matching algorithms
- includes CLI and GUI
- includes default knowledge base (WordNet)
- includes default configuration and matching examples
- includes Manual
- allows pluggable knowledge bases and data formats
Other Useful Business Software
User Ratings
User Reviews
S-match works perfectly.


text:
Pacific Northwest Agricultural Safety & Health Center
Environmental Health Links
Please refer to the following websites for more information on Children's Environmental Health topics
Asthma (NIEHS)
Asthma (CDC)
What is Asthma? (EPA)
Biomonitoring of Urine or Blood for Environmental Chemicals
Background information on biomonitoring by chemical(CDC)
Reference values for 212 chemicals in the US general population (CDC)
Drinking Water Safety
Well Water Safety (ID DOH)
Domestic Well Safety Program (OR OHA)
Drinking Water Contaminants Fact Sheet (General) (OR OHA)
Environmental Public Health Tracking Program link (OR OHA)
Flame Retardants
WA law restricts 5 chemical flame retardants in children's products and residential upholstered furniture- link
Head Lice
It is suggested to put swim goggle on children before applying lice treatment, especially pyrethins, in order to prevent ocular irritation.
One of the problems with head lice recommendations is that most clinical trials have been conducted by the manufacturers of lice control products. There is very little solid public health data about efficacy of available products. AAP and CDC advice sticks with permethrin and pyrethrin-based products (Nix and RID) because there is published evidence that they work (or at least they did at one point). Lice have developed resistance to these products over time so the old data may no longer apply in your region. I have used the recommendations of Dr. Marion Moses, a California physician who works with farm workers, with very good success (see below).
2015 head lice advice (AAP)
Head lice advice (CDC)
Dr. Marion Moses in American Journal of Nursing- A simple matter of grooming. Stop using toxic pesticides to treat head lice
Healthy Homes
Dangerous Chemicals In Common Household Items
Tips for a Healthy Home (CDC)
Protecting Children from Environmental Hazards (EPA)
Healthy Homes Inspection Manual (CDC)
American Lung Association Home Environment Assessment (ALA)
Indoor Air Quality (WA)
Lead and Your Health (NIEHS)
How to check your home and protect your family (EPA)
Lead Poisoning (NIH)
Tips on Prevention (CDC)
Blood Lead Screening Guidance:
A Targeted Approach to Blood Lead Screening in Children (PDF) (WA DOH)
Clinical Algorithm for Targeted Childhood Lead Testing (PDF) (WA DOH)
Lead in Drinking Water Factsheet (OR OHA)
Risk of lead poisoning from urban gardening is low, study finds
Bioavailability of soilborne lead in adults, by stable isotope dilution– Link (NCBI)
Children's Blood Lead Seasonality in Flint, Michigan (USA), and Soil-Sourced Lead Hazard Risks -Link
Lead Risk Map (WA):
Mapping toolshows estimated risk of elevated pediatric blood lead by zip code in WA. The map provides clinicians with information about estimated risk in the areas served by the clinic.
DHSS Lead (AK)
DOH Lead (ID)
OHA Lead (OR)
DOH Lead (WA)
Mercury (NIEHS)
Mercury and Your Health (CDC)
Medical management guidelines for mercury (CDC)
Mercury in Fish and Shell Fish (FDA)
Mold (NIEHS)
Facts about mold and dampness (CDC)
A Brief Guide to Mold, Moisture, and Your Home (EPA)
Mold Prevention and Treatment in Your Home (Northwest Clean Air Agency)
General Mold Information(WA DOH)
Renters, Landlords, and mold (WA DOH)
Mosquito Repellent For Children
Patient handout pdf (WA DOH)
More concentrated DEET products are not more effective but they last over a longer period of time following a single application. Better to reapply a low percentage product than use a highly concentrated product because higher concentrations result in more absorption through the skin. Use the least amount necessary to prevent biting. For example, if mosquitoes are only biting at dusk, you need only about a 1-2 hour window of protection so you can apply a less concentrated spray (<10%) and reapply if necessary. Wash the treated skin with soap and water when you return inside to minimize the amount absorbed through the skin.
Nitrates and Drinking Water, EPA Spanish Version for patients
Nitrate/Nitrite Toxicity, ATSDR Case Studies in Environmental Medicine
2005 WA DOH study into methemoglobinemia in infants living in Yakima County households with nitrate in water.The results of this study provide evidence that exposure to nitrate from drinking water significantly and substantially increases the risk of an infant having physiologically elevated levels of methemoglobin. Furthermore, this risk is associated with intake levels above 0.5 mg nitrate/kg/day, approximately one-third of the RfD value.
Nitrates in Well Water pdf (ID DOH)
Nitrates in Drinking Water (OR OHA)
Nitrates in Drinking Water Q&A (WA DOH)
Pediatric Environmental Health 3rd Edition, "Green Book," link to purchase
UW Today Article on AAP Policy Statement on Pesticides
Pesticides (NIEHS)
Using Pesticides Safely (EPA)
Human Health and Pesticides (EPA)
Clinician guidance on pesticides (EPA)
Comprehensive database of pesticides labels with active ingredients and safety directions
National Pesticide Information Center (NPIC)
Pesticide exposure tracking(OR OHA)
Endocrine Disrupters (NIEHS)
Basic info on BPA (scroll down) (NIEHS)
In 1991, the Washington state building code council adopted radon resistive standards for newly constructed residences in high radon counties. In 2006, Clark county was added to the high radon list. For some types of construction such as unvented crawlspaces (in newly constructed residences), radon mitigation is required statewide.
Radon risk mapby census tract for Washington State compiled from private laboratory testing results by DOH. The map shows the percentage of radon tests that were elevated in that census tract (elevated = 4 pCi/L or greater in indoor air).
EPA recommends action to reduce radon when levels reach 4 -link
DHSS Radon (AK)
DOH Radon (ID)
OHA Radon (OR)
DOH Radon (WA)
Safety Data Sheet Links for Commercial and Consumer Products
This database links over 15,000 consumer brands to health effects from Material Safety Data Sheets (MSDS). Or google the product name and "MSDS".
School Environmental Health and Safety (WA DOH) – link
Soil Dust Ingestion link (NIEHS)
Textbook of Children's Environmental Health link to purchase
Prenatal Care for Environmental Chemicals link (WA DOH)
The Washington Department of Health has a new webpage to help clinicians add evidence-based messages and screening for environmental chemicals into preconception and prenatal care. This website provides clinician education and anticipatory guidance on four priority topics. It also provides patient handouts and information on each topic.
An Introduction to Indoor Air Quality (EPA)
Improving Ventilation and Indoor Air Quality During Wildfire Smoke Events - Recommendation For Schools and Buildings with Mechanical Ventilation (DOH)
DHSS Wildfires (AK)
DOH Wildfire Smoke and Your Health (ID)
DOH Wildfires (WA)
DOH Wildfire Smoke (WA)
This website was supported by the American College of Medical Toxicology (ACMT) and funded (in part) by the cooperative agreement FAIN: U61TS000238-02 from the Agency for Toxic Substances and Disease Registry (ATSDR).
Acknowledgement: The U.S. Environmental Protection Agency (EPA) supports the PEHSU by providing partial funding to ATSDR under Inter-Agency Agreement number DW-75-95877701. Neither EPA nor ATSDR endorse the purchase of any commercial products or services mentioned in PEHSU publications.
Updated 7/12/2016


text:
It hasn't exactly come against Southeastern Conference-caliber opponents, but Florida's baseball team has found itself a winning streak.
Wednesday night, sophomore outfielder Connor Mitchell - he of three at-bats on the season - stepped into the box and ripped a ninth-inning walk-off single up the middle, scoring Vickash Ramjit.
For a 7-7 Florida squad that has seen plenty of close games go the other way this season, the 7-6 win against Jacksonville was a welcomed relief.
"This team needed a walk-off win," UF coach Kevin O'Sullivan said. "We've had a tough go of it early in the season, but I'm proud of the way we battled back."
It was the first walk-off hit of Mitchell's career at any level and allowed the Gators to sweep a two-game midweek series against the Dolphins. Florida took game one 8-5 in Jacksonville in a game that saw UF closer Johnny Magliozzi work 3.1 innings of shutout baseball to earn the win.
Though O'Sullivan entered the two midweek games saying he wanted to see new faces pop up in the bullpen, it was mostly more of the same. Ryan Harris, Magliozzi's set-up man last weekend, was the pitcher of record in Wednesday's win after throwing two late innings.
Freshman Mike Vinson was pulled before making an out Tuesday but came back to throw two scoreless innings Wednesday night.
"Rebound runs were an issue again," O'Sullivan said. "Regardless, they battled and they did a nice job."
Florida has now won four game in a row to pull itself to a .500 record. The Gators are carrying on without freshman shortstop Richie Martin, who broke a finger bunting Sunday and had previously gotten on base in every game to start his college career. Senior Cody Dent is starting in his place.
The Indiana Hoosiers (6-2) come to Gainesville as the first Big 10 opponent Florida has faced since 2006. The Hoosiers are on an extended season-opening road trip because of northern weather and come to UF after playing in Myrtle Beach, S.C., last weekend.
The two teams share one common opponent this season in Georgia Southern, a team the Gators lost to 8-7 in 12 innings. Indiana played two games against the Eagles, losing the first 12-7 and winning the second 11-5.
Indiana is led offensively by reigning Big 10 Freshman of the Year Sam Travis, an infielder who is currently hitting .448 with two home runs and 10 RBI. The Hoosiers have four players hitting .306 or better on the season.
Friday: 7 p.m.
Saturday: 4 p.m.
Sunday: 1 p.m.


text: Sometimes I really need the money, really need to go straight to work. But if I had the absolute choice - money no object, my mortgage paid off - I'd really just work once or twice a year - but wouldn't everybody! - or at least do a different job sometimes.


text:
Bhutto's return in October from eight years of self-imposed exile provided a possible course to restore democratic governance to her tumultuous country. The Bush administration had been working behind the scenes to help negotiate a power-sharing accord with President Pervez Musharraf, the former general who has run the country under military rule since 1999. Such an accord, coupled with relatively fair elections, was envisioned as a crucial step to counter the growing influence of Islamic radicals in a country that has nuclear weapons and is a key ally in the fight against al Qaeda.
It is now doubtful that parliamentary elections will take place as scheduled on January 8. The expectation had been that a strong showing by Bhutto's Pakistan Peoples Party would have given her a third term as prime minister, although there was growing concern that the voting would be rigged to ensure that Musharraf remains in control through a seemingly democratic process.
In an address to the nation today, Musharraf--himself the target of several suspected assassination attempts attributed to al Qaeda--blamed terrorists for her murder. But there are other possibilities. Some Pakistanis, for instance, were quick to suspect the powerful military Inter-Services Intelligence agency, which has had close ties to Islamists and has been used by past Pakistani leaders to suppress political opposition. Also, there are tribal warlords and powerful figures in and out of the military who stood to lose power and money if Bhutto had become prime minister.
With Bhutto's death, Pakistan's political scene has lost a charismatic, pro-Western figure that had an enormous following, particularly in her native Sindh province. "This is a major setback for the liberal and democratic forces," says Ikram Sehgal, a Karachi-based political and defense analyst. "The PPP (Pakistan Peoples Party) is a major liberal force in Pakistan, which has been grappling with growing militancy for the last few years. Now, the survival of this liberal party has come into question, which is bad news for moderate forces."
It is unclear who, if anyone, is in a position to take over leadership of the Pakistan Peoples Party. Bhutto assumed the role after her father, popular Prime Minister Zulfikar Ali Bhutto, was hanged in 1979 following a military coup led by Gen. Zia ul-Haq. Sehgal thinks it is unlikely that Bhutto's son or daughters will step in because they don't have her standing and they have not been political figures. The Bhutto bloodline is also shared by her niece and a nephew, the children of her father's brother Murtaza Bhutto, a political figure who was killed in a clash with police in 1996. Niece Fatima Bhutto might have led the party, Sehgal says, but had a falling-out with Bhutto years ago. "I don't think she will be accepted by Bhutto's followers," he added.
"This is not a tragedy. This is a supertragedy which will continue to haunt Pakistan's politics for a long time" as has her father's hanging, says Talat Hussein, an Islamabad-based senior political analyst and news director at Aaj (Today) TV.
While Bhutto had a national following, her base of support was in her native Sindh province, a region that has lagged economically and in terms of political power behind eastern Punjab province, which is considered the traditional power base of Pakistan. Her death reinforced the claims by an emerging separatist movement there, with some protestors shouting slogans calling for "freedom from Pakistan."
"This is a very dangerous trend," says Abdul Hameed Shaikh, a local journalist from Larkana, Bhutto's hometown. "People are openly talking about independence from Pakistan. How ironic this is hat the people of Sindh province who had played a pivotal role in [the] creation of Pakistan are now talking about parting their ways with Pakistan."
Shaikh reported violent demonstrations in Larkana, some 250 miles from Karachi, a shock for an area that hasn't seen the kind of turmoil plaguing Pakistan's western regions near the Afghan border. "The whole city is burning like other parts of the province," he says. "Before this incident, Sindh had been relatively calm as compared to North West Frontier Province (NWFP), and Balochistan, where anti-Pakistan and anti-Army sentiments are running high. But after this incident, I am afraid the situation will be very much like NWFP, and Balochistan, where the Army is so far unable to control the situation," Shaikh said.
The nationalist movement in Sindh, thought to be supported by India, surged after the hanging of Bhutto's father and continued throughout the eleven years of Zia's military dictatorship from 1977 to 1988, a time when Zia was a close U.S. ally in arming Islamic radicals against Soviet occupation forces in Afghanistan. The separatist movement was almost extinguished after the democracy was restored, and Benazir Bhutto became the country's prime minister in 1988.
In interviews and speeches, Bhutto said she was aware of the risks of returning to Pakistan but added that she felt a responsibility to try to help restore democracy and provide better governance for Pakistan. She narrowly escaped a suicide bomber's attack on Oct. 18, 2007, when she faced countless thousands of supporters in Karachi on her return from a self-imposed exile. Some 150 people were killed and 500 injured in that attack. She complained afterwards that Pakistani authorities had not provided adequate security.
"I have been writing this since October last that if Benazir Bhutto had died, nobody could stop the separation of Sindh from Pakistan," says Abbas Athar, a senior columnist with the Daily Express, one of Pakistan's most widely circulated newspapers. "It will further foment the anti-Punjab sentiments in Sindh."
Now complicating matters is the fact that she was killed while on a campaign stop in the Punjab province city of Rawalpindi, which adjoins the capital of Islamabad. Further, her main political rival, former Prime Minister Nawaz Sharif, who also recently returned from exile to rally supporters in the parliamentary elections, comes from Punjab. Sharif, who was ousted in Musharraf's 1999 coup, said his party now will boycott the elections.
The head of the six-party Islamic religious alliance in Parliament, Jammat-e-Islami Chief Qazi Hussain Ahmad, called for a nationwide day of mourning on Friday. "This is a highly condemnable act of terrorism perpetrated by the enemies of Islam and Pakistan," he said. "This is the act of those elements, who do not want peace and tranquility in the country."
He added that Bhutto's assassination is an attempt to plunge the country into a chaos. "This is a testing time for the entire nation. This is not the murder of Ms. Bhutto, but this is murder of democracy."
By Aamir Latif


text:
Red River Hani Terraced Rice Fields and Mount Tianshan join in the World Heritage Sites
Published by meimeili at 2013/6/24;
Red River Hani Terraced Rice Fields in Yunnan Province has passed the vote for application for a world heritage site on Jun.22 in 2013. And Mount Tianshan has been selected on UNESCO's World Heritage list during the 37th World Heritage Convention on Jun. 21.Totally China has 45 World Heritage Sites, and becomes the country that has the second largest number of World Heritage Sites after Italy in the world.
Red River Hani Terraced Rice Fields
3 Day Essence of Ancient Lijiang Tour is from 369 USD per person. 4 Day Lijiang and Magnificent Tiger Leaping Gorge Tour is from 519 USD per person.
Read more on China Travel:
Mount Tianshan
If you want to visit Red River Hani Terraced Rice Fields and Mount Tianshan, China Travel can tailor-make a tour including them, which can save your time, money, and trouble. Please feel free to tell us your tour ideas!
12-Day Beijing to Urumqi Silk Road Adventure by Shangri-la Express (Destinations: Beijing → Luoyang → Xian → Tianshui → Lanzhou → Jiayuguan → Dunhuang → Turpan → Urumqi)
See more on China Travel:
Travel Confidently with Us
10,000 Satisfied Customers
50 Years in China Travel Industry
Quick Response within 24 hours
Secured Online Payment
Group Tours with Solo Adventure
No Hidden Fees and No Traps


text:
Direct Response Marketing
Field Reports1 Dec, 2009 By: Thomas Haire, Jacqueline Renfrow Response
|Karla Crawford Kerr is named director of business development at Hawthorne Direct. She has been with Hawthorne for 12 years and most recently served as senior account executive.
|Warren H. Golden, president of Cyber City Teleservices Marketing Inc. (CCT) is the recipient of the 2009 Pioneer Hall of Fame Award, presented by the American Teleservices Association (ATA). The Association highlighted Golden's contributions in front of a crowd of professionals during the Awards Gala of its annual Convention & Expo held in New Orleans.
|Mercury Media launches its new blog, The Mercury Index: What's Hot, focusing on articles, original research and news updates contributed by Mercury Media's experts at mercurymedia.wordpress. com. Mercury Media can also be found on Twitter, Facebook and LinkedIn.
|Crown Imports awards Horizon Media all planning and buying business for the company, including the Corona Extra and Modelo Especial beer brands. The business, which excludes out-ofhome media, will be managed out of Horizon's Los Angeles Office.
|SF Video expands its global capability into China. With the expansion, SF Video has the breadth to generate 300,000 DVDs and 500,000 CDs per day by leveraging the latest technology, including Blu-ray, and a workforce in excess of 400.
|Patricia Romero, former head of multi-cultural marketing at Hyundai Motor America (Response, September 2008) and a speaker at Response Expo 2009, is named the new director of multi-cultural marketing at JCPenney.
1 2 3
©2017 Questex, LLC. All rights reserved. Reproduction in whole or in part is prohibited. Please send any technical comments or questions to our webmaster. Contact Us | Terms of Use | Privacy Policy |


text:
The legendary theater director describes how he and more than 700 collaborators put on, at Iran's Shiraz Arts Festival, a production lasting seven days. Asia Society symposium on the Shiraz Arts Festival this Saturday, October 5.
©2017 Asia Society | Privacy Statement | About AsiaSociety.org | Terms & Conditions | Sitemap | Contact
Asia Society takes no institutional position on policy issues and has no affiliation with any government. All views expressed in its publications and on its website are the sole responsibility of the author or authors.


text:
Pokemon Mystery Dungeon: Explorers of Darkness
PMD2: Explorers of Darkness General FAQ Topic (Some Spoilers)
9 years ago #1
Pokemon Mystery Dungeon: Explorers of Darkness
General FAQ Topic
This topic is designed to help clear the mass of topics on the board. It will cover general questions, SOS Procedures, and Bosses.
Table of Contents
I. General Questions
1. Index
2. Questions
II. SOS Procedures
1. General
2. Password
3. Wi-fi
4. Local Wireless
III. Boss Strategies
1. General
2. Luxray and Luxio x7
3. Kabutops and 2 Omastar
4. Dusknoir and the Sabelye Squad
5. Primal Dialga
6. Grand Master of All Things Bad and Minions
IV. Credits
I. General Questions
1. How do I steal from Kecleon?
2. How many floors do the Zero Island dungeons have and what are the rewards at the end of the dungeon?
3. Strategy for Zero Island South
4. Pokemon to watch out for in Zero Island South
5. Scizor gave me the Secret Rank and a star on my badge. What does it do?
6. How do I evolve?
7. How do I evolve my starter and partner?
8. What are the differences between Time and Darkness?
1. How do I steal from Kecleon?
Until your team hits about level 90, Kecleon is going to absolutely murder you if you try to stand up to him in battle. If you want to steal from him, there are four sure-fire methods to do it.
1) Pure Seed
-Grab everything on Kecleon's mat, then use a Pure seed to escape to the staircase. This is the most straightforward method.
2) Trawl Orb
-Trawl Orbs are cool because they don't only give you Kecleon's stuff, but also the rest of the stuff on the floor. You'll want to first find the staircase, then stand right next to it and use the orb. It works best with lots of team members, allowing you to pick up the loot in less turns. It also works just fine if the staircase room is right next to Kecleon's room, since you'll be able to easily grab all the items before Kecleon speeds up to double speed.
3) Mobility
-Use a ghost-type pokemon able to go through wall, or a Mobile Scarf, or a Mobile Orb. Using this strategy, you can walk through the walls and evade the Kecleon army all the way to the staircase. However, you would probably want to send your teammates home before doing it, and you'll also need lots of HP and food.
4) 50-yard dash
-If the Kecleon mat is adjacent to the staircase room, all you need is an item to disable Kecleon while you make your getaway. It's a little bit riskier, but it has a very high success rate if the staircase is close by. Just toss an X-eye seed, or a Blinker seed, or basically anything that would disable a boss at Kecleon, then run for the exit. Things like Petrify Orbs and Spurn Orbs also work. Before attempting this, you'll probably want to put your teammates somewhere out of the way where they won't attack Kecleon, and tell them to stay there.
There are other, more creative ways to steal from Kecleon. I once dug a long tunnel to the staircase with Rock Smash, then used a Pounce Orb to warp there from the store.
2. How many floors do the Zero Isle dungeons have, and what are the rewards at the end of the dungeons?
Zero Isle South: 98 Floors + Reward Floor
-Deluxe Box
Zero Isle East: 39 Floors + Reward Floor
-White Silk and Deluxe Box
Zero Isle West: 39 Floors + Reward Floor
-Amber Tear and Deluxe Box <Need confirmation on this one>
Zero Isle North: 74 Floors + Reward Floor
-Wonder Gummi, Golden Mask, Wonder Chest.
(don't post yet)


text:
This slow cooker chili is a favorite of my friend Meghan's for a couple of reasons:
- Did you forget to defrost chicken breasts? Don't worry! Just throw them in the crockpot.
- It makes a big batch and is great to add to freezer ziplocs and freeze for a busy night.
Crock Pot Tortilla Chili
- 4 split boneless, skinless chicken breasts (frozen is ok too)
- 2 cans of Mexican style chopped tomatoes, undrained
- 2 cans of black beans, undrained
- 1 can of medium or hot salsa (I like it hot - makes it spicy and so much better)
- 1 can of tomato sauce
- 1 can of chopped green chiles
- small bag of frozen corn kernels
- Dump all ingredients into your crockpot.
- Cook on low for about 8 hours.
- Before serving, remove chicken and shred with a fork.
- Return shredded chicken to pot add corn and stir, corn will defrost quickly.
- Serve with cheese, sour cream and tortilla chips!
Copyright www.mummydeals.org
Every Monday I come up with a Crock Pot recipe. Please check out the archives or see my Pinterest pins!


text:
Welcome to E-Books Directory
This page lists freely downloadable books.
E-Books for free online viewing and/or download
Civil Rights (8)
Emigration & Immigration (5)
Human Rights (17)
Intellectual Property (10)
International Law (11)
see also
Digital Law (22)
e-books in this category
Electronic Signatures in Law
by Stephen Mason - Institute of Advanced Legal Studies , 2016
This fourth edition of the well-established practitioner text sets out what constitutes an electronic signature; the form an electronic signature can take; and discusses the issues relating to evidence - illustrated by analysis of relevant case ...
(742 views)
How to Do Animal Rights: ...legally with confidence
by Ben Isacat - Lulu.com , 2017
Do animal rights as a practical and legal activity. Topics include: major problems that humanity is causing animal life; moral philosophy underlying animal rights; major methods of campaigning, practical activities for promoting animal rights; etc.
(691 views)
Manifest Madness: Mental Incapacity in the Criminal Law
by Arlie Loughnan - Oxford University Press , 2012
Understanding the terrain of mental incapacity in criminal law is notoriously difficult; it involves tracing overlapping and interlocking legal doctrines, current and past practices. This book provides a close study of mental incapacity defences.
(982 views)
Legal Literacy: An Introduction to Legal Studies
by Archie Zariski - AU Press , 2014
To understand how the legal system works, students must become literate in the field. The book fulfills this aim by providing the key concepts such as legal personhood, jurisdiction, and precedent, and by introducing students to legal research.
(1402 views)
Body Law and the Body of Law
by Christine M. Hassenstab - De Gruyter Open Ltd , 2014
The book examines how laws on sterilization, birth control and abortion were created, by focusing on the act of legislation; how the law was driven by scientific and social norms during the first and closing decades of the 20th century in the USA ...
(1556 views)
Criminal Law
by Lisa Storm - University of Minnesota , 2015
'Criminal Law' begins with the foundations of law and the legal system and then extensively explores criminal laws and defenses using general state principles, federal law, the Constitution, and the Model Penal Code as guidelines.
(3381 views)
Basic Income Tax
by William Kratzke - CALI eLangdell Press , 2015
This book is the third edition of a basic income tax text, revised for the 2015-2016 academic year. It is intended to be a readable text, suitable for a three-hour course for a class comprised of law students with widely different backgrounds.
(1641 views)
First Amendment: Cases, Controversies, and Contexts
by Ruthann Robson - CALI eLangdell Press , 2016
This Casebook is intended to be used in an upper-division course covering the First Amendment to the United States Constitution. The Casebook is organized with the Speech Clauses as Part One and the Religion Clauses as Part Two.
(1275 views)
Sources of American Law: An Introduction to Legal Research
by Beau Steenken, Tina M. Brooks - eLangdell Press , 2015
This text introduces first-year law students to the new kind of research required to study and to practice law. It seeks to demystify the art of legal research by following a 'Source and Process' approach. The book focuses mainly on the basics.
(1599 views)
The Legal and Ethical Environment of Business
by Terence Lau, Lisa Johnson - The Saylor Foundation , 2011
For students who expect learning to be comprised not only of substance, but also of interactive exercises and multimedia. It streamlines the presentation of material to ensure that every page is relevant, engaging, and interesting to undergraduates.
(2063 views)
Goverment Regulation and the Legal Environment of Business
by Don Mayer, et al. - The Saylor Foundation , 2014
Up-to-date textbook that covers legal issues that students must understand in today's business environment. It covers contracts, consumer credit transactions, bankruptcy, intellectual property, securities regulation, regulation of real estate, etc.
(2296 views)
Advanced Business Law and the Legal Environment
by Don Mayer, et al. - Saylor Foundation , 2014
The book provides students with context and essential legal concepts relating to the Uniform Commercial Code and various aspects of property law. Appropriate for students who have already taken introductory Legal Environment or Business Law course.
(2919 views)
The Sovereignty of Law: The European Way
by Cambridge University Press - Francis Geoffrey Jacobs , 2007
With the non-specialist in mind, and starting from the basic notion of the rule of law, this book explores how judges can balance the potentially conflicting interests of human life and human dignity; freedom of speech and the right of privacy ...
(4214 views)
Introduction to the American Legal System
by Konnie G. Kustron - Bookboon , 2013
An overview of the legal system in the United States. It is designed for learners who have little familiarity with U.S. law. Topics include federal and state court systems, civil and criminal litigation processes, and ethics in the legal profession.
(5781 views)
Commercial Law in the Next Millennium
by Royston Miles Goode - Sweet and Maxwell , 1998
In this book, Roy Goode examines some of the key issues shaping commercial law as we move into a new century. His stimulating re-analysis of fundamental legal principles raises a series of critical questions about the future direction of the law.
(6569 views)
Turning Points of the Common Law
by Robin Brunskill Cooke - Sweet & Maxwell , 1997
Cooke focuses on four great cases which were all turning points in the development of the common law. In each instance he examines the effect at the time, subsequent developments in case law and academic opinion, and the advantages of decisions...
(4935 views)
Justification and Excuse in the Criminal Law
by J. C. Smith - Sweet & Maxwell , 1989
Smith considers a subject of great importance to the criminal law, both as an academic topic and in the context of the problems faced by the citizen confronted with a choice between breaking the letter of the law, or seeing others suffer harm.
(5401 views)
Basic Home Security
by Jacobus Kotze - Smashwords , 2013
This is a short article on the different ways to protect your house against armed robbers. Written for the South African market it may sound extreme to the rest of the world but gives valuable guidance which is applicable everywhere.
(2751 views)
A Manufacturer's Guide To Product Liability Law in the United States
by Perkins Coie - Smashwords , 2013
This primer provides basic information about product liability laws and legal procedures in product liability lawsuits in the United States. It also suggests measures that you can take to reduce your product liability exposure.
(3858 views)
Principles of Federal Appropriations Law
The Principles of Federal Appropriations Law is a multi-volume treatise concerning federal fiscal law. The publication provides text discussion with reference to specific legal authorities to illustrate the principles and their application.
(2796 views)
Law and Lawyers in the United States: The Common Law Under Stress
by Erwin N. Griswold - Stevens & sons , 1964
This book may serve to help you to have a better understanding of our legal system and its many problems; and it may, too, lead to the conclusion that you are indeed privileged to live under your own constitutional and legal system.
(4096 views)
Your Worst Enemy
by Jacobus Kotze , 2013
This book is about the way defaulters are treated by their bank once they fall on hard times and cannot pay the instalment anymore. There are many legal rights which offer protection against abuse and this book explains them all in clear English.
(3921 views)
How to Handle Tough Choices in Your Legal Career and Be Successful
by A. Harrison Barnes - Smashwords , 2012
BCG Attorney Search's Recruiters answer commonly asked questions about the legal field. Most of these are questions relating to making a lateral move, work-life balance, interview tips, careers moves for recent graduates and other common questions.
(4726 views)
Business Law and the Legal Environment
by D. Mayer, D. Warner, G. Siedel, J.K. Lieberman - Flat World Knowledge , 2011
This text is an up-to-date textbook with comprehensive coverage of legal and regulatory issues. The authors take special care to engage students by relating law to everyday events with which they are already familiar with their clear style.
(6475 views)
The Art of Cross-Examination
by Francis L. Wellman - The Macmillan Company , 1904
I have not attempted to treat the subject in any scientific, elaborate, or exhaustive way; but merely to make some suggestions upon the art of cross-examination, which have been gathered as a result of twenty-five years' court practice.
(9204 views)
Media Law Handbook
by Jane Kirtley - U.S. Department of State , 2010
What are the privileges and responsibilities of a free press? In Media Law Handbook, Professor Jane Kirtley, Silha Professor of Media Ethics and Law at the University of Minnesota, explores how free societies answer this question.
(5763 views)
Outline of U.S. Legal System
by George Clack - U. S. Department of State , 2004
This Outline covers the history and organization of the federal and state judicial systems; the criminal and civil court processes; the qualifications and selection of federal judges; the role of other participants in the judicial process.
(6314 views)
Marriage and Divorce Laws of the World
by Hyacinthe Ringrose - The Musson-Draper Company , 1911
The purpose of this volume is to furnish to the lawyer, legislator and student a working summary of the marriage and divorce laws of the principal countries of the world. Our endeavour is simply to set forth positive law as it exists today.
(6374 views)
Evidence, Proof and Justice: Legal Philosophy and the Provable in English Courts
by Solomon E. Salako - BookBoon , 2010
It is the object of this book to use legal philosophy to analyse the transformation of the rules of evidence in English courts with a view to teasing out the benefits and portents of the transformation and proffering suggestions for reform.
(7309 views)
Techniques for Teaching Law
by Gerald F. Hess, Steven Friedland - Carolina Academic Press , 1999
The book addresses a broad range of pedagogical issues in the context of legal education: the teaching and learning environment, course and class planning, questioning and discussion techniques, visual tools, experiential learning, computers, etc.
(5974 views)
Curious Punishments of Bygone Days
by Alice Morse Earle - Loompanics Unlimited , 1896
An accumulation of notes on old-time laws, punishments and penalties. The subject is not a pleasant one, though it often has a humorous element; but a punishment that is obsolete gains an interest and dignity from antiquity.
(6279 views)
Courts and Criminals
by Arthur Train - Project Gutenberg , 2004
It is unquestionably a generally accepted principle that it is better that ninety-nine guilty men should escape than that one innocent man should be convicted. This book presents a guide to procedures and practices in criminal courts.
(8215 views)
Simple Justice
by Charles Murray - Civitas Book Publisher , 2005
The celebrated American sociologist Charles Murray provides an uncompromising restatement and defence of the backward-looking, retributive justification of criminal punishment. He also makes an impassioned plea for England to revert to this approach.
(6743 views)
A Country I Do Not Recognize: The Legal Assault On American Values
by Robert H. Bork - Hoover Institution Press , 2005
During the past forty years, activists have used the court system to accomplish results that could not otherwise be obtained through the ordinary political processes. The authors show how legal decisions undermined America's sovereignty and values.
(6234 views)
Scientific Validity of Polygraph Testing
- Office of Technology Assessment , 1983
The memorandum presents the results of the Office of Technology Assessment (OTA) review of the scientific evidence on the validity of polygraph testing. OTA concluded that there is very little research evidence to establish polygraph test validity.
(5897 views)
Understanding the Federal Courts
- Administrative Office of the U.S. Courts , 2003
This text was developed by the Administrative Office of the US Courts to provide an introduction to the federal judicial system, its organization and administration, and its relationship to the legislative and executive branches of the government.
(6165 views)
Punishment: Theory and Practice
by Mark Tunick - University of California Press , 1992
What actions should be punished? Should plea-bargaining be allowed? How should sentencing be determined? In this original, penetrating study, Mark Tunick explores not only why society punishes wrongdoing, but also how it implements punishment.
(10293 views)
Lawyers in Society: An Overview
by R. L. Abel, P. S. C. Lewis - University of California Press , 1996
A concise comparative introduction to the practice of law in a number of countries: England, Germany, Japan, Venezuela, and Belgium. These essays guide readers through the differing worlds of civil and common law, and law in Europe and Asia.
(10456 views)
Hate Crime Laws: A Practical Guide
The purpose of this guide is to provide States with benchmarks for drafting hate crime legislation within a simple, clear and accessible document. It will also be a resource for civil society when advocating for better laws.
(6107 views)
Law for Computing Students
by Geoffrey Richard Sampson - BookBoon , 2009
This free textbook shows the reader where in the IT-based business legal problems are likely to arise. The author aims to give computing students that kind of broad level of understanding of the law applicable to IT sector.
(9261 views)
Encyclopedia of Law and Economics
by Boudewijn Bouckaert, Gerrit De Geest - Edward Elgar Publishing , 2000
A reference work that surveys the entire literature on law and economics in over 3,000 pages. The entries consist a review of the literature and a bibliography which covers most of the published material in the particular area.
(14971 views)
A Handbook of Greek Constitutional History
by A.H.J. Greenidge - MacMillan , 1914
Lucid and highly readable overview of a difficult and little understood aspect of Greek history: its public law, not just how it was structured but how it behaved in action. Perfect for university students and amateur historians.
(10159 views)
|Science Books Online
|Books Fairy
|Maths e-Books
|Programming Books


text:
Finding the Right Lawyer
First thing, first: Make sure you hire a lawyer that is a good fit for you and your situation. Here are some tips.
Make a short list of lawyers who seem like a possible match for your needs. To make this list:
- Ask friends and colleagues for referrals.
- Look up listings for attorneys in the phone book.
- Poke around online lawyer directories to read profiles of lawyers in your area.
- Read online reviews with services like Yelp.
For each of the attorneys on your list, call the office to learn more about the lawyer's:
- Expertise. Specifically, find out if the lawyer will handle a case like yours. Trusts and estates lawyers often specialize—in estate planning, probate, trust administration, special needs issues, eldercare, or other specific legal issues. You want an attorney who is experienced in the area you need, but not necessarily highly specialized in other areas – otherwise you might end up paying a higher rate for specialization that doesn't apply to your situation. You could ask: "How many similar matters has he or she handled?" or "What percent of his or her practice is in the area of expertise that you need?"
- Rates. Does the lawyer charge hourly for cases like yours? Is a flat rate possible? Will you have to pay a retainer? How much is a consultation? You may not be able to get all of this information over the phone, but it's worth asking in order to get a ballpark figure.
- Tone. While you're on the phone, gauge how you feel about any support staff who answers the phone or gives you some of the answers you need. You could be dealing with these folks quite a bit, so you want them to be professional, efficient, and knowledgeable.
After you've talked to the each lawyer's office, plan to have consultations with two or three. This might seem like a waste of time or money – especially if you like the first one – but choosing the right lawyer can save you money in the long run, so you want to make an informed choice. And—unfortunately—the reality is that a cost of a consultation will probably be a small fraction of the fees you will eventually pay.
Before You Meet With the Lawyer, Do Some Homework
To save money and to make the most out of your time with your attorney, learn about your legal issue before you talk with the attorney. For example, if you're interested in estate planning, learn the difference between a will and a living trust. Or, if you're looking for a lawyer to help with a probate proceeding, take a bit of time to learn about probate, what a probate lawyer does, and what parts of a probate proceeding you may be able to take care of yourself.
The more you can learn, the more precise (and efficient) your questions can be at the consultation, at the first meeting, and throughout the time your lawyer works on the case.
To learn more about the issues that affect you, start your search online—with a general web search or on a website like Nolo.com that provides legal information to nonlawyers.
The Consultation
Attorney consultations vary, depending on the attorney's preferences. Some lawyers charge for a consultation, others don't. Some will only hold consultations over the phone, but some will let you come in (this is best, so that you can get a better feel for the attorney). Some lawyers will speak in generalities about your type of case, while others won't mind getting into the nitty gritty of your situation.
At the consultation, be prepared to talk about your case. The lawyer may not too many details of your case before you sign a fee agreement, but you should be prepared just in case.
If the attorney or the office asks you to fill out an intake form before your consultation, take some time to answer the questions carefully – you don't have to put your whole case on paper, but it's to your advantage to have the key points written down.
Here are some questions to ask at the consultation:
- What would the lawyer like to see in order to evaluate your situation?
- What problems does the lawyer foresee with your case?
- How would the lawyer go about handling your situation? What is the process?
- How long will it take to bring the matter to a conclusion?
- How would the lawyer charge for his or her services?
- Would the lawyer handle the case personally or would it be passed on to some other lawyer in the firm? If other lawyers or staff may do some of the work, could you meet them?
At Your First Meeting
After you decide on which attorney to hire, you'll sign a fee agreement and officially begin your relationship with your lawyer. The first meeting with an attorney usually involves the exchange of a lot of information. You will spend a good deal of time explaining to the attorney the details of your legal issue and answering his or her questions. He or she will spend a good amount of time discussion and laying out a plan. If you think you might get nervous or forget something, you could practice this conversation with a friend, or you could write down what you want to say.
In addition to a general understanding of your legal needs, the lawyer may want to know who else is involved with the case and their relationship to you. For example, in some probate matters, a client visits the lawyer to seek help for his or her parents or siblings. The lawyer will want to understand your relationship, why you are seeking help for the person, and why the person is unable to seek the lawyer's help personally.
To this first meeting, you should bring any documents requested by the intake questionnaire or at the consultation. For example depending on the facts of your case, you may need to bring copies of:
- Documents that will "prove" your authority, such as a will or living trust document that names you as the personal representative
- Will or trust documents
- Deeds to all real property
- Life insurance policies
- Prior gift tax returns, if any
- Documents related to applications for public benefits (such as Medicaid or Social Security)
Even if a lawyer doesn't ask for documentation beforehand, it's still a good idea to bring a copy of all relevant documents to the meeting. Spend some time thinking about what you may have on hand. Try to organize the documents in a logical manner before you meet with the lawyer.
There is much more to consider as you continue to work with a lawyer. For example, you may want to learn more about attorney-client privilege, tips for saving on attorney's fees, or what to do if you are mad at your lawyer.
Questions for Your Attorney
- In what increments do you bill? To the tenth of an hour?
- What will I be charged for work that your paralegals do?
- How long will it usually take for you to return my call or email?


text: Ok, I did some searching, but have not found all of the answers I need. Im looking into a project where I need to be able to shoot as many shots as I can without reloading the camera. The camera will be left alone and fired by an intervalometer for an extended period of time. Im looking at getting an A70 back for my Hasselblad, but am unsure of what extras I need to get it to work. I know I need a cartridge to load the film onto, but I do not know if I need two of them to properly use the magazine. I am also open to any other high capacity Hasselblad compatible film magazines that are somewhat affordable. The more shots it can take the better. And one last question. Does anyone still develop 70mm color film, of am I on my own for that? Any help is greatly appreciated.


text:
STAGE TUBE: Chrysler Partners With MOTOWN: THE MUSICAL for New Ad
The Chrysler brand is continuing to build upon the heart, soul and the passion of Detroit with a new 60-second commercial titled "Who We Are". The commercial showcases the new 2013 Chrysler 300 Motown Edition and features legendary Motown founder and Detroit native Berry Gordy, taking you through his journey from humble beginnings in Detroit to the bright lights of New York's Times Square and home of the new Broadway Musical, MOTOWN: The Musical. "Who We Are" will make a broadcast debut on Thursday, Dec. 20.
View the ad below!
"Berry Gordy is a true inspiration and has paved the way to signify the sound and the drive that reflects the spirit of Detroit and the people who live in it," said Olivier Francois, Chief Marketing Officer, Chrysler Group LLC. "It is a privilege to have such a legendary icon partner with the Chrysler brand and the 300 Motown Edition."
Click Here to Watch the Video!


text:
Texas is home to more than 1.7 million veterans. They are brave and courageous men and women who have sacrificed mightily for America. Our military heroes and their families are the guardians at the gate of freedom for all of us, and we have a responsibility to keep our promises to those who have worn the uniform of this great country.
Some public servants are all talk. Others actually do the work and deliver. I've worked personally with one of our workhorses, Senator Kay Bailey Hutchison, and there is no doubt our veterans are well-served by her efforts. One particular issue we've championed together is the issue of Gulf War Syndrome.
The Gulf War ended nearly two decades ago, but for many of our veterans who served during Operations Desert Shield and Desert Storm, the consequences of war are still very real.
Senator Hutchison listened to folks who were passionate about this cause. She refused to accept the official explanation that those affected were all victims of stress, and she aggressively pursued research to provide better answers. As a result, $15 million was directed toward research, and the VA established a Gulf War Research Committee to direct additional research into the causes and treatment of Gulf War Syndrome.
While the issue of Gulf War Syndrome has been a particular passion of mine, there are indeed other generations of veterans who have benefited from Senator Hutchison's many accomplishments.
In the Dallas area, Hutchison secured major policy and care changes to the Dallas VA medical center in order to meet critical mental health needs.
She authored legislation to provide survivor benefits to the families of servicemen and women killed during active duty with significant years of military service but short of the 20 needed for full military retirement. The National Military Family Association named her their "Legislator of the Year" as a result of passing that important legislation.
Additionally, Senator Hutchison halted the government's practice of collecting VA debts from the survivors of military killed in action. She also fought to end the discriminatory policy known as "concurrent receipt," in which the amount of payments made to veterans for medical disabilities was deducted from the retirement pay earned by those disabled veterans who served over 20 years and were retired from the Armed Forces.
Finally, she worked to ensure retired military personnel were provided with TRICARE health care benefits for life, and she supported greatly expanded benefits for veterans for college education under the new GI Bill.
There is no question Kay Bailey Hutchison has a strong record of fighting for the military and veterans in Texas. The results of her effort are evident throughout Texas from all the new construction on our Texas military installations to the increased access to veterans' services to the enhanced benefits provided to our military personnel and their families.
If Texas is to move forward, we need a governor who delivers results. As governor, Hutchison will, just as she always does.
Ross Perot is a Dallas business leader and founder of EDS.


text:
The #88 Street Combat features a forward cant for a faster draw and to aid in concealment under an outer garment. If a leather holster could be considered "bomb-proof" its this one. This is definitely one holster you would want to take to a gunfight!
Technical Information
- Right or Left Handed Holster: Right
- Material: Leather
- Firearm Retention: Friction
- Belt Fit: 1-3/4"
- Muzzle Open or Closed: Open


text:
WASHINGTON — Under pressure from governors, the Obama administration said Thursday it will allow some shuttered national parks to reopen — as long as states use their own money to pay for park operations.
Governors in at least four states asked for authority to reopen national parks within their borders because of the economic impacts caused by the park closures.
All 401 national park units — including such icons as the Grand Canyon and Yosemite and Zion national parks — have been closed since Oct. 1 because of the partial government shutdown.
More than 20,000 National Park Service employees were furloughed, and lawmakers from both parties complained that park closures wreaked havoc on nearby communities that depend on tourism.
Interior Secretary Sally Jewell said the government will consider offers to use state money to resume park operations, but will not surrender control of national parks or monuments to the states.
Jewell called on Congress to act swiftly to end the government shutdown so all parks can reopen.


text:
The heat goes on for Carl Palmer
Hey Asia fans -- I hope you have your tickets in hand, because the reunion tour is about to begin again in North America. The band begins in Sarasota, Fla., on June 13 then hits our home here in Clearwater at Ruth Eckerd Hall on June 14.
I talked to Asia drummer Carl Palmer for about a half hour yesterday from London, where rehearsals are about to begin again, and Carl says the band is excited about hitting some cities the band has never seen before. Seems that back in 1983 and again last year during the first leg of the reunion tour, the number of U.S. venues was kept pretty small. This time, though, they're going to try to hit all the major markets.
What else did Carl and I talk about?
- The making of the debut album 25 years ago.
- The surprise entrance and exit of singer Greg Lake.
- MTV's Asia in Asia concert in Tokyo.
- The band's current set list.
I'm sure we talked about lots more but at one point, I think I had a stroke after Carl said, "Tell the manager to let you backstage ... I'd like to meet you in person and introduce you to the band." (Sound of Steve hitting the floor).
Look for the full Asia podcast along with the Carl Palmer interview early next week!


text:
I had gastric bypass surgery on 4/10. I have lost 133lbs. My gastric bypass surgery had complications. I had to have a second surgery to fix a large leak in my stomach pouch, which left me with a large scar down the center of my belly. I also developed a large seroma under my incision and had to pack it with gauze for 3 weeks. I know that I am going to need an upper and lower body lift in order to remove all the skin. My concern is, will I also have complications with plastic surgery?
Plastic Surgery Complications After Gastric Bypass?
Doctor Answers 12
Complications after gastric bypass do not mean complications after body lift will occur!
Congratulations on your weight loss! You have made a huge positive step in your own health, and now are even better equipped to deal with elective plastic surgery to remove excess skin! Your weight should be stable, your blood tests in line with your surgeon's and your internist's goals, and you should be tolerating your present diet and vitamin intake without problems.
However, complications after gastric bypass are not uncommon, and you have successfully weathered two separate ones. Now that you are healed and healthier than before, you have no higher potential for complications than any other similar patient undergoing elective body lift, brachioplasty, breast lift, thigh lift, or whatever you are considering. There are risks and potential complications with ANY surgical procedure, even elective ones, and these should be discussed and considered carefully before asking your plastic surgeon to proceed.
In over 250 outpatient body lift procedures done in our accredited office surgical facility over the past 14 years, we have had no deaths, heart attacks, or strokes, and our overall complication rate is 11%. So, yes, things can and do occur, but a well-trained, experienced, Board-certified (American Board of Plastic Surgery) plastic surgeon is not only able to deal with and successfully treat the vast majority of any patient's concerns or complications, but hopefully avoid most of them!
Learn more: http://www.mpsmn.com/html/lower-body-lift.html
Complications with plastic surgery
I am glad to hear you are doing well, your course was difficult but your courage to take on the risk of the gastric bypass has led you to be a fitter, healthier person and you should live a longer and better quality of life for it. Congratulations! Any surgery with large incisions is more prone to infection and seroma. Two things to keep in mind this time around, 1) You are a healthier person, and 2) With these next set of surgeries you will not have to be intra-abdominal where the risk for complications can be high. Good luck.
Healing complications after massive weight loss plastic surgery
Probably no cosmetic plastic surgery is more prone to healing complications than that which is done for massive weight loss. But just because you had problems before doesn't necessarily mean you will have them again.. It is key to go to the best doctor and to stage the procedures into reasonable groups.
You might also like...
Plastic Surgery Complications After Gastric Bypass?
No of us wishes any patient have a complication but things happen no matter how careful the surgeon is. Seek many evaluations in person. From MIAMI DR. darryl J. Blinski
How often do complications occur after plastic surgery on patients that have lost much weight or have undegone bariatric surgery
Plastic Surgery Complications After Gastric Bypass
Congratulations on your weight loss!! Your life will be richly rewarded for having gone through the procedure and lost the weight. To answer your question, once you have lost the weight your risk of complication decreases dramatically. That having been said your case is a more complicated one due to the fact you had previous complications. I would recommend that you discuss your case with a surgeon (Board Certified Plastic Surgeon), whom you feel comfortable with and has experience with this type of procedure. Also staging your procedures will give you the best chance of healing without a complication. Good Luck!
Learn more: http://www.drvitenas.com/body-lift.html
Body lift surgery and complications
After your weight loss has plateaued after gastric bypass, then you can consider a body contouring procedure such as a body lift. Your weight should be stable for at least six months and all your wounds should be fully healed from the gastric bypass surgery. It will be important to obtain medical clearance from your primary care physician to determine that it is safe to undergo the body lift- chest x-ray, EKG, lab tests. An important lab test will be your albumin, which is a protein that serves as an indicator of your overall nutrition and is critical for adequate wound healing.
The most important complication with the surgery is called a DVT (deep vein thrombosis) which is a blood clot that can form in your legs. It is important to walk early after surgery to minimize this risk. Your surgeon may also consider giving you Lovenox, which is an anti-coagulant after surgery to prevent this from occurring. Seromas are minimized by leaving drains in place for one to two weeks.
Best wishes,
Dr. Bruno
Learn more: http://www.williambrunomd.com
Body lift
Performing a body lift when there is a midline scar may minimally increase the risk of complications. You should reach you stable weight for 6 months and maintain optimal nutrition prior to underoging any body contouring procedure. Other medical problems such as continue obesity and diabetes are more likely to affect the complication rate.
Body lift
Once you have gotten down to you goal weight, your risks of complications goes down as well. You may at a slight increased risk as compared to other patients, but if all healed well after tthe complicaiton it should be okay.
Learn more: http://www.stevenwallachmd.com
Body Lift after gastric bypass-risks
A body lift is a completely different operation from a gastric bypass. The lifts are performed after the weight is lost and the procedures involve excess skin and fat with no entrance into the abdominal cavity where your organs are located. Although body lifts are not risk-free, complications that occurred with your gastric bypass should not put you at a higher risk with a body lift.
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


text:
Nine tornados — three each in Pinellas, Hillsborough and Polk counties — wreaked havoc in the Tampa Bay area Thursday, according to the National Weather Service.
The destruction left 18,000 Tampa Electric customers without power Friday. Some of them won't get service restored until Saturday afternoon, company spokesman Rick Morera said.
There were about 6,000 Progress Energy customers left without power in Pinellas County as of late Friday afternoon, but they were all expected to have service by late Friday night, spokeswoman Cherie Jacobs said. There have been no glitches restoring power, she added.
Most of the outages were caused by tree limbs knocking down an extraordinary number of power lines, the utility companies reported.
Morera said the snapped poles are being replaced with high-wind resistant concrete and steel poles, but the delay in getting the power on is more complicated.
"Some of the homes and businesses were so severely damaged that even if we restore a neighborhood, the customer has problems receiving the power," he said.
Substantial damage occurred in the Palm River, Riverview and Interbay Boulevard areas, where the National Weather Service said two tornados touched down in a 10-minute period.
The second wave of the storm came on shore about 11 a.m. and took a northeastern track through Pinellas to Polk County.
"Some only lasted for one to two minutes," said Jennifer Colson, a Weather Service meteorologist. While the tornados seemed to be on a track, each touchdown is considered a separate event, she added.
"When it skips and hops, it's not considered a continued path," Colson said.
Extra crews have been hired to work on restoring power.
One bright spot to the day: the weather is expected to be beautiful through the weekend, with no chance of rain.
About 14,000 Tampa Electric customers were without power in Hillsborough, mostly in South Tampa, Temple Terrace, Brandon and Plant City, Morera said. Another 4,000 customers were without power in Polk County as well some 1,000 in Pinellas and Pasco counties.
Progress Energy outages were scattered throughout its coverage area, but mostly in Pinellas County and about 450 in Pasco County, spokeswoman Kristin Perry said.
Progress Energy has recruited about 300 extra field workers since Wednesday. Tampa Electric had about 600 workers and 80 contractors working on restoring power,. Perry and Morera said crew members were working around the clock.
"Power is being restored to customers throughout the day as quickly and safely as possible," Perry said.
Thursday's incessant rain and sweep of tornadoes delayed the restoration process, Morera said. Bad weather continued into the evening until officials finally could assess the damage, and then begin to fix the outages, he said.
Reducing the number of customers without power from Thursday's peak within 24 hours was significant progress, Morera said.
In the past five years, Morera said, "This is the most power lines I've seen downed by a storm outside of a hurricane."
Pinellas County Emergency Management spokesman Tom Iovino, whose own Largo neighborhood got hit hard by high winds, said damage around the county would not be assessed because it wasn't the kind of event that would prompt an application for federal funding.
Thursday's soaking left the Tampa Bay area drenched, with some areas getting nearly 5 inches of rain by midnight, according to the National Weather Service. Gauges at Tampa International Airport measured 3.99 inches, while St. Petersburg had 3.12. Areas of eastern Pasco County received about 4.91 inches and Brooksville Airport measured 2.81.
For those without power, here's a Q&A regarding food safety, from Times food editor Janet K. Keeler:
Q: How can I make food last in my refrigerator and freezer after a power outage?
A: Keep the doors closed to trap cold air. Bacteria begins to grow when temperatures rise above 40 degrees. Place appliance thermometers in the refrigerator and freezer to monitor the temperature.
Q: How long will perishable food be safe to eat after a power outage?
A: A full freezer should keep food safe for about two days, a half-full freezer, about a day. Refrigerated foods should be safe if the power is out no more than four to six hours.
If it appears the power will be off more than six hours, transfer perishable foods to a cooler filled with ice or frozen water bottles or gel packs.
Q: Which foods spoil quickly?
A: These items will spoil after eight hours without refrigeration: meat, poultry, fish, eggs and egg substitutes (raw or cooked), milk, cream, yogurt and soft cheese; casseroles, stews or soups; lunch meats and hot dogs; creamy salad dressings; custard, chiffon or cheese pies; refrigerated cookie dough; and open mayonnaise, tartar sauce and horseradish.
Q: I normally keep butter in the refrigerator. Will it spoil without power?
A: The following foods keep at room temperature for a few days: butter or margarine; hard and processed cheese; fresh fruits and vegetables; fruit juices and dried fruit; opened jars of vinegar-based salad dressings; jelly, relish, taco sauce, barbecue sauce, mustard, ketchup, olives; fresh herbs and spices; fruit pies, breads and cakes (except cream cheese-frosted or cream-filled). Discard anything that turns moldy or has an unusual odor.
Q: My power is back. Can I refreeze thawed food?
A: You can refreeze thawed foods that still contain ice crystals. Thawed foods that do not contain ice crystals but have been kept at 40 degrees or below for no more than one to two days may be cooked, then refrozen or canned.


text:
Philosophy • How do Philosophy Courses Count for MC Degrees and Transfers?
How Do Philosophy Courses Count Toward
a Midland College Degree and Transfer?
Midland College—Philosophy 1301 (Introduction to Philosophy), Philosophy 2303 (Introduction to Logic) and Philosophy 2306 (Ethics) all fulfill the 3-hour Humanities requirement that is part of the Core Curriculum at Midland College. All other Philosophy courses count as electives at MC.
Transfer Credit—All of our Philosophy courses will transfer to any virtually public College or University in Texas as the course listed in the MC Catalog. Also, Philosophy 1301 will almost always count as part of the Humanities requirement for the Core Curriculum at these colleges. Other Philosophy courses may also count toward the Core, but this varies. In all cases, when you are considering a transfer, you should check with both your advisor and the college you are considering to see what their transfer policies are.
Philosophy courses are surveys of humanity's attempt to answer the questions of where do we come from, how we should live, and where we are going. They also help develop rational thought and critical thinking.
James Liggett
• firstname.lastname@example.com


text:
Visual Serendipity – Middle Eastern Desert.
One of my unfulfilled travel dreams is (still) to visit an Oasis. While I did not get to see one, I did visit the desert right at the border between the United Arab Emirates and Oman, to witness a magnificent sunset.
To make the experience even better, I had the privilege to go on this expedition with David Burnett, a photographer I have deeply respected and admired for over 20 years. I was happily surprised to see him shooting with a Holga, a Ricoh GXR, a Leica M9, a Mamiya C330, a Mamiya 6×6, and even a Panasonic LX7 during the few days we spent together.
I like this picture, but it doesn't really capture what I felt; the vast space of nothingness, the exciting isolation from "civilization," the sunlight disappearing rapidly, and the warm breeze drastically changing its temperature within minutes…
Luckily, I did shoot several video clips that afternoon and plan to do something with them soon. Stay tuned.


text:
Amac Aerospace received EASA Part 21 Subpart G Production Organization Approval in late August, a few months after it was awarded the EASA Part 21 Subpart J Design Organization Approval. These approvals allow the company more independence in building and certifying parts for aircraft systems and interior modifications to be approved under minor modification approval or supplemental type certificates. The Swiss company, based at the tri-national EuroAirport Basel-Mulhouse-Freiburg, is EASA Part 145 approved and has the status of an EASA continued airworthiness management organization (Camo). Amac's main activities are the completion of airliners to custom executive configurations and maintenance of executive aircraft, as well as aircraft management. It is factory-approved for maintaining the BBJ and Airbus A320-based ACJ series, as well as large-cabin Gulfstreams and the Bombardier Global Express, including the XRS and Global 5000. Amac employs more than 200 specialists and will inaugurate an additional 90,500-sq-ft hangar capable of accommodating the Boeing 747 later this year. Amac Aerospace was founded in 2007 and started work the following year in its own 45,000-sq-ft hangar.
Amac Gains Additional EASA Subpart Approvals
- September 8, 2010, 11:07 AM


text:
83 Squadron
"Strike to defend".
An attire. The red deer's antler is in reference to the squadron's association with Scotland. The attire has six points commemorating an outstanding occasion in the First World War when six DFCs were awarded for one operation - an extremely valuable reconnaissance-successfully completed by six individuals in three aircraft during 14/15th June 1918.) They were the only Allied aircraft in the air in weather which had grounded all others. The antler in black affords reference to night flying and the three top points stand for the crown of success met with by the squadron.
HM King George VI, April 1938.
History of 83 Squadron:
No. 83 Squadron, RFC, was formed at Montrose, Scotland, on 7th January 1917. Equipped with FE2b's it crossed to France in February/March 1918, and until the end of the First World War it was engaged in night bombing and night reconnaissance.
The squadron returned to England in February 1919, and was subsequently reduced to cadre. On the last day of the year it became a casualty of disarmament and ceased to exist. It was re-formed as a bomber squadron in August 1936, and when war came again was based at Scampton, Lincolnshire and flying Hampdens. In common with other bomber squadrons No.83 found early target restrictions irksome; it was not until April 1940, that it was able to operate regularly and in that month it flew 45 sorties - more than half of them Gardening, or mine- laying. During August of that year some of the squadron's aircraft, with others from No. 49 Squadron, took part in an attack on an aqueduct forming part of the Dortmund-Ems Canal. Flight Lieutenant RAB Learoyd of No. 49 Squadron, who won a VC for his part in this operation, later commanded No.83 Squadron.
During the same month No. 83 Squadron made its first raids on Berlin and also attacked the battleships Scharnhorst, Tirpitz, and von Scheer.
In September 1940, No. 83 gained its own VC. It was awarded to Wireless Operator/Air Gunner Flight Sergeant John Hannah for bravery when his aircraft was set on fire during a moonlight attack on invasion barges at Antwerp on the night of 15/l6th September - one of many such attacks made by the squadron during the late summer and autumn of that year.
The squadron was re-equipped with Manchesters early in 1942 but within a few months these, in turn, were replaced by Lancasters within a matter of months. However, this was not before it had used Manchesters in the 1,000-bomber raids against Cologne and Essen and had also used them to deliver its first 4,000-lb bombs to Germany.
In mid-August 1942, No. 83 moved to Wyton and became part of the newly-formed Pathfinder Force, its first operation in this role being a raid against Flensburg on the night of 18/19th August. During the last three months of 1942 the squadron took part in ten attacks against Northern Italy; the targets were Genoa and Turin and involved flights of about 1,400 miles.
The tempo of operations rose throughout 1943. The year began with the dropping of the first 250-lb TIs (target indicators) on Berlin. The squadron was prominent in the Battle of the Ruhr which began in March and also in the Battle of Hamburg which was fought in July and August. Fifteen Lancasters of No. 83 Squadron took part in the heavy raid against the German V-weapons experimental station at Peenemunde on 17/18th August. They were led by the CO, Group Captain JH Searby who was master bomber on the raid.
In April 1944, by which time it had also played its part in the Battle of Berlin, the squadron was transferred from No. 8 Group and Wyton to No. 5 Group and Coningsby. Up to this time all pathfinding had been done by No. 8 Group, but now No. 83 was to lead its old parent Group, No. 5, against separate targets. The squadron became concerned with attacks on railway targets in France, Belgium and Western Germany in preparation for the Allied invasion of the Continent and on the eve of the invasion - the night of 5/6th June 1944 - bombed gun emplacements at La Pernelle on the Normandy coast. On 8/9th June, four of the squadron's Lancasters acted as a target illuminating force in the highly successful operation in which No. 617 Squadron, using 12,000-lb bombs or Tallboys, blocked the Saumur tunnel. In April 1945, came the last of the squadron's 5,117 sorties against the enemy - an attack on an oil refinery at Tonsberg (Vallo), in Norway.
During World War 2 No. 83 Squadron won 429 decorations and honours comprising one VC (Sergeant John Hannah), one OBE, one MBE, 29 DSOs, 209 DFCs, 36 bars to DFCs, one CGM 147 DFMs, 3 bars to DFMs and one DCM.
In July 1946, it converted to Lincolns and moved to Hemswell in November 1946, where it remained until disbanded on 1 January 1956. On 21 May 1957, No. 83 reformed at Waddington and received Vulcan B.1s in July 1957, until handing them over to No. 44 Squadron in August 1960, moving to Scampton in October and receiving Vulcan B.2s in December. These aircraft were flown until the Squadron was disbanded on 31 August 1969.


text:
I'm a retired IT guy looking to make friends here. Love to chat, swap stories and fantasies. I love incest stories. I had a lovely relationship with my mother. Still do but not quite as often. I have a huge panty fetish which my mother loves.
No favourite stories listed.
Not following any authors
No forum posts.
Attach a note to this member, which only you can see.
Please tell us why you think this profile page is inappropriate.


text:
Clients can become confused as to what coverage they need – and needs change as we grow older. Should brokers encourage clients to revisit their existing policies?
Video transcript below:
Reporter: Your client has just purchased a home. But what happens if they should die? Who gets paid first, the bank or the family? It's term coverage versus life insurance on the Big Picture.
Chris Karram, President of Safebridge
Chris Karram: You know it's a great question because it's definitely, for many people it's just a matter of understanding the options and you know from my perspective, of course we do truly believe that a traditional term insurance product if used for the purpose of your mortgage, but by far is going to be the better product from a cost perspective, from a coverage product orientation perspective, there is no question term mortgage insurance is by far better than what you can really get through a group program or lender's mortgage insurance plan.
I mean a basic comparison that we often will use when it comes to looking at term insurance versus mortgage insurance is really just the basic term 20. You know the simple fact is you got lower coverage for that 20 year period, your premium is not going to change on you and often times it comes out a lot cheaper for you than a mortgage insurance product. So you know when you look at the product benefits and you look if nothing else at the cost, you know it really does become somewhat of a no brainer considering that mortgage insurance does decrease in value and is part of a group product, so you really have no control or ownership over it anyway. So it's a very obvious differentiation between the two, it's just more a matter of the Canadian consumer taking a look at what their options actually are.
Reporter: Clients can become confused as to what coverage they need and needs change as we grow older. Should brokers encourage clients to revisit their existing policies?
Chris Karram: The biggest decision most Canadians will ever make is their mortgage and as a result we believe that reviewing your insurance program, reviewing your investment program, whether it's term insurance or whole life insurance, and you know various combinations of the two, the fact is reviewing your entire financial situation is far more important at that stage in life than many others. So we by all means recommend you know a full review if nothing else, it's definitely in the best interests of our clients.


text:
App of the Week: Any.DO
Any.DO aims to help users complete tasks.
Any.DO is a to-do list app
Any.DO can help users do, well, any task. The to-do list app aims to make it simple and fun to complete chores, assignments, and other responsibilities via its cross-platform tools.
Its features include: seamless cloud sync, speech recognition, Web app access via computer, folders, notes, calendar view, and gesture support.
In addition, Any.DO:
- Reminds users to return missed calls
- Sends text messages to people the user doesn't have time to speak with
- Quickly creates to-do lists via email
- Lets the user shake his phone or mobile device to clear completed tasks
- Compile a daily review at the start or end of each day
The app even allows the user to add time- or location-based reminders for tasks. In addition, its auto-suggest feature attempts to predict what the user is trying to say to alleviate the inconvenience of typing on a mobile device.
Any.DO's sharing capabilities allow the user to share lists with other people; e.g., a user can share a grocery list with his spouse or plan an event with friends, among other things.
The company's slogan—Productivity through play. Control through balance. Good day, every day—is prevalent in its users' tweets:
If it's good enough for Mark Janson…
Really enjoying the @AnyDO app for critical daily to do tasks. Nice @googlechrome add on too - http://t.co/gFCQ9A26gf
— Mark Janson (@markjanson) July 30, 2014
No "Slant"ed view here
.@AnyDO is the best cross-platform to-do list app. http://t.co/QqD0qo6TTI
— Slant (@SlantCo) July 30, 2014
Life changing, this app is!
#AnyDo has changed my life! @AnyDO
— Priscilla (@cirque_de_face) July 29, 2014
Mo knows apps
As does Bella. Pay heed to what she says
I've been trying out @AnyDO, so far it's awesome!
— Mohammed (@mabushawareb) July 29, 2014
I have become an official fan of @AnyDO you make my life that much easier, thanks a mil
— Bella (@Mz_AuSum) July 24, 2014
Listen to Tim Buck, too
Cal by @AnyDO brings simplicity and personality to your calendar.
#Apps http://t.co/ojEBbBpIos
— Timothy David Buck (@Timothybuck13) July 24, 2014