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Monday, April 11, 2016
Phishing for Phools
"The free market system exploits our weaknesses automatically." If one seller of unhealthy baked goods wasn't there to catch us at our weakest moments, another would step into the void. The authors go through many examples of markets where we get "phished for phools" including cars, houses, credit cards, prescription drugs, tobacco, alcohol, and junk bonds. They make a strong case that phishing is a major part of our free markets.
One interesting example of phishing is the way that credit cards affect us. Studies "show that credit cards get you to spend ... quite a bit more" compared to using cash. When retailers and credit card companies battle over the fees retailers have to pay to accept credit cards, these two groups are battling over the spoils of our overspending.
"Free markets make people free to choose. But they also make them free to phish, and free to be phished." Our "competitive markets by their very nature spawn deception and trickery, as a result of the same profit motives that give us our prosperity." As a result, "phishing for phools is not some occasional nuisance. It is all over the place."
The authors argue that "economists' understanding of markets systematically excludes [trickery and deception]." As a result, "modern economics inherently fails to grapple with deception and trickery."
I have often argued that we need effective government to police our markets for monopolistic behaviour, misleading advertising, and externalities. I can now add that we need government to help even when we make our own choices with our eyes open. I see no other way to deal with our obesity epidemic. The challenge is to find a way for government to do what is necessary (and no more) for a reasonable cost.
I highly recommend this book to anyone with an interest in economics, even if you find other economics books boring. This book is written to be understood rather than written to impress.
21 comments:
"The challenge is to find a way for government to do what is necessary (and no more) for a reasonable cost."ReplyDelete
I really don't think cost is the primary deterrent here. It seems clear to me that high powered lobbyists will do whatever it takes to maintain the status quo. That to me, is the real challenge.
I found this book a little dry and hard to get in to. I much preferred Richard Thaler's book, "Misbehaving".Replies
@Garth: In your first point, I'm not sure we're disagreeing. I think as a country we want government to serve our interests for a reasonable cost. Trying to prevent lobbyists from using money to steer government in bad directions would be a part of that.Delete
I think Thaler's contribution in "Misbehaving" is different from this book's contribution. There is some overlap, but mostly different.
"I have often argued that we need effective government to police our markets for monopolistic behaviour, misleading advertising, and externalities."ReplyDelete
While true, it is worth noting that governments are THE worst offenders in bringing about monopolistic behaviour. All the rules, regulations, taxation and massive self-feeding bureaucracy they tend to set up invariably serve large monopolistic companies and stifle competition.
"I can now add that we need government to help even when we make our own choices with our eyes open."
No, no, no. As an adult I want to be able to make my own mistakes. If you need a nanny, please hire one for yourself but not for me.Replies
@BHCh: Monopolistic behaviour arises naturally as companies merge and enter into non-competitive agreements. Government is all we have to counter this effect. It's true that some government regulation ends up thwarting new entrants into a market, but government also stops monopolies from squeezing us to death. Just imagine how bad Bell and Rogers would be if they had no limits placed on them. We need to find ways to create good regulation and get rid of bad regulation. No regulation at all would be a disaster.Delete
You may want full freedom to make your own mistakes, but do you really want that for everyone else? My taxes help to subsidize the masses. It costs me money when powerful corporations sucker the masses into stupid decisions. On a more personal level, it pains me to see how difficult it is for my sons to navigate the traps set by companies trying to exploit their weaknesses. This reminds me that I was once more naive and vulnerable. In one small example, I have overpaid by a ridiculous amount for funerals because my emotions prevented me from properly defending myself. As with just about everything, we need balance here. We can't protect people from everything. But that doesn't mean we shouldn't protect them from anything. To find the right balance we need to first understand the ways that markets get us to make choices that are against our interests.
Re monopolies - agreed, it is a balance. And right now the balance is that governments have created huge "moats" for the industry. Market leaders stay there for a loooong time because they have the muscle to work through the system and accounts to handle the red tape. Great for investors in these companies but it kills entrepreneurship. Major reason why there has been no growth in the economy overall.ReplyDelete
Re freedom to make mistakes - yes, I want it for everyone. I have lived within a socialist economy whereas governments get to decide on your behalf. You know what? No thank you. Freedom is way more important.Replies
@BHCh: I'm all for making life more difficult for Canada's large businesses. Eliminate bad regulation and keep the good.Delete
You lived in a place that went way to far in one direction. But it's possible to go too far in the other direction as well. I wouldn't want businesses to have full freedom to tempt me with smokes, booze, drugs, and other vices everywhere I go out my front door. I wouldn't want businesses to have full freedom to trick me with confusing contracts that triple the apparent price of everything I buy. We need to find the right balance.
One problem with "removing freedom to trick" is human biology. People like risk and they like deceiving themselves. Our psychology has been developed over millions of years and can't be changed by an Ottawa bureaucrat.Delete
Everyone at one point or another jumped on a "too good to be true" type of deal. We are wired to try and nothing can change it. Some learn, other don't - that's life. That's what makes it fun. Otherwise we might as well just have robots instead of people.
And we all know how wonderfully the regulations work. Hundreds of countries created millions of regulations. US has the most stringent anti-drug laws imaginable. Had the opposite effect. The lesson? Apparently we need more regulations.
@BHCh: It is because we are vulnerable that we need protection from the worst abuses. Government can't eliminate vulnerability, but it can prevent the worst abuses. It is government that stops businesses from putting deadly chemicals in our food.ReplyDelete
There are many bad regulations that should be eliminated. But imagine what our world would be like with no regulation at all. I find the public discussions among politicians about regulation to be very disappointing. It's as thought all regulations are the same and we just need either more or fewer depending on who is talking. What we really need is to get rid of the bad ones and create more good ones.
Anti-drug laws have been a failure for the masses. But I wouldn't want legal drug sales in front of my house. We need smarter regulations.Replies
" It is government that stops businesses from putting deadly chemicals in our food."Delete
Not really. Putting deadly chemicals into food is not very conducive to your long-term chances of survival as a business. Killing your client base could be a tad counterproductive. And even if we are talking long-term effects, once this information is out your business is going to be casualty number 1. So, I would argue that no business out there has an objective to put deadly chemicals into your food and is only being stopped by the kind government.
Now... Government has a role. Stealing is a crime and that's why we have governments. Ensuring accurate information is available is a worthwhile endeavor. Once information is out there, the choice should be ours to make. That's called "freedom", there is nothing more important.
As for the theory of "good regulations"... Civil service is designed to work for itself. If a bureaucrat has any brains, his real objective is to make his department bigger. Have you seen "Yes, Minister"?
@BHCh: Our food history is filled with discovering and banning carcinogens. And selling cigarettes remains profitable. Relying on the profit motive to avoid serious harm is naive.Delete
Ensuring accurate information requires regulations. All laws are a form of regulation. The existence of bad regulations does not make them all bad. I'm happy that it's illegal for my neighbour to kill me. I'm starting to think that the entire source of our disagreement may simply be the word "regulation". There are many bad ones and there are ones we need. Distinguishing the good from the bad is critical.
@Michael - I think there are 2 sources of our disagreement:Delete
1. Where is the "sweet spot"? You believe there is a need to regulate our behaviour more than now. I think we already have way too much of this.
2. You think a wise government can solve your kids problems. I beg to differ.
And cigarettes are a good example. Smoking has benefits and risks. People always knew of both but not the extent of the risks.Delete
Wide-spread smoking was defeated by information rather than bans. If you consider scientific articles, newspaper publications and TV ads "regulations", so be it.
@BHCh: It seems after this long exchange we aren't close to scoping out where we disagree. I'm not looking to regulate our behaviour. I want to restrict business from engaging in certain practices that bring us various types of harm. For example, I like forcing businesses to clearly state what is in the food we eat. I'd prefer it if schools didn't offer garbage food to our kids regardless of how it is labeled. This is a far cry from expecting government to solve our problems.Delete
Widespread smoking was largely defeated by government actions. Taxation, labeling, and indoor smoking bans were critical parts of the effort. Scientific articles were critical in sparking government action, but would have done little on their own.
There is already clear labeling. Like way too clear. When US imposes requirements to mark meat by country of origin, its nothing but protectionism. Labeling GM not only imposes extra costs but also has a net detriment in terms of health.
Not only everything you eat is carcinogenic, but your own muscles are radioactive. Every time you hug your wife you are increasing her radiological exposure.
The best approach is to a) promote accurate information and b) limit false information.
Unfortunately not only the majority of labelling efforts are counterproductive but the amount of false/non-factual information is increasing.
And availability of junk food at school has no impact on obesity. http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3667628/Delete
@BHCh: Are you seriously characterizing my statements as being synonymous with "everything you eat is carcinogenic"? I see no point in continuing this nonsense.Delete
"I can now add that we need government to help even when we make our own choices with our eyes open. I see no other way to deal with our obesity epidemic."ReplyDelete
(I'm at work wasting tax payer money so I'll be brief.)
Completely wrong. The government, via the Canadian Food Guide and deals with special interest groups, is actually furthering the obesity epidemic. Their decades-old agenda is based on faulty and fraudulent "science". Apparently money is more valuable to them than the health of their citizens. This is not the kind of government help I want.
More to follow...Replies
@SST: Are you aware that what you wrote did not contradict what I wrote? I said no entity other than government can help here. You say government won't help. If we're both right then nothing will fix the obesity problem. I consider this a definite possibility.Delete
"I said no entity other than government can help here [obesity epidemic]."Delete
There may be no "formal" entity, but I'd definitely consider the professional sector of the Internet blogosphere -- which has none of the barriers or limitations which plague the government -- to be a helping entity.
The government will publish a single view, coloured by the interests of many other entities, both political and corporate; professionals can publish free of all tethers if they so wish. It will never be the government entity which helps the swiftest or the most, that will come from the public itself (but not necessarily the private sector).
It's like saying no entity other than government can help with the coming retirement epidemic. Hopefully the voluminous population of personal finance blogs has enlightened more than a few.
Just because the government is the government, doesn't mean it's immune to the economics of manipulation and deception (just to keep things on topic). And I'll just pretend I didn't see the part about credit cards. ;)
@SST: I'd like to think that researchers and writers will make a difference, but they are up against Big Food. Any trend that gains momentum will be used by Big Food to create new products that appear healthier but aren't. A good example is the trend in making snack foods out of dried vegetables (other than potatoes). They are very unhealthy, but almost everyone I've seen eat them has said they thought they were healthy snacks.Delete
I find it strange that I'm being cast in the role of defending the government when I'm in favour of eliminating at least the worst 10% of performers working in the public sector. In any case, the only way I see that government would do significantly more to improve people's ability to discern which foods are healthy is if enough of the population demands it and politicians pay heed for reasons of personal gain. I'm not holding my breath.
I don't understand your remark about credit cards.
I'm not sure what happened to SST's latest reply, but here it is:Delete
"Any trend that gains momentum will be used by Big Food..."
Well, yes...we are Capitalists, after all.
But this is much more than mere food trends, it's about hard science and either the acceptance or denial/ignorance of facts; the government chooses the latter path (just as the authors claim economists ignore phishing).
A timely example from CBC concerning the diet-heart hypothesis:
A study done 45 years ago showing that "replacing saturated fats in the diet with unsaturated corn oil fails to reduce the risk of death," was ignored and unpublished because its facts stood against the popular -- but fraudulent -- ideology of the day (and still), Ancel Key's 'Seven Countries Study'. Thus we have decades of global Food Guides guiding generations of citizens to eat in a wrong manner (e.g. carbs) resulting in...an obesity epidemic (and diabetic epidemic, health care epidemic, etc. et al). And when the government tells its people to eat a certain way, corporations are going to manufacture to fulfill those legislations.
Government's suppression of facts and institution of policy based on fraud is not going to help the public by any means. As above, we are Capitalists, and in the end the public will vote with their wallets, but the public needs correct information on which to base their actions; neither government nor corporation can be relied upon to supply said information. Anti-phishing has to, and does, originate from members of the public. Sure, it's a Sisyphean task to change a half-century of unapposed indoctrination, but what's the other option?
Which is a nice segue to my last point: I don't like credit cards, the product or the industry, for various in-depth reasons, your comment in the article is somewhere among them. I believe the CC companies have created one of the greatest phishing expeditions of modern time. But again, who wants to believe the facts about "fast food money"? ;)
I'm in the infancy of developing a Mungeresque mental models approach to thinking about problems, the almost always intelligent exchanges here definitely help me in contemplating the other side(s) of my rants. So if nothing else, thanks for that!


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All the boys from One Direction are taking a couple...
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Nova has been in captivity of her uncle for the past 6 years, but she decides to finally run away. But on her journey she stumbles into more trouble, a boy.
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Grégory Charlet was born in Valencienes, and grew up developing a growing interest in comics. He first studied Mathematics, but eventually got the opportunity, and the necessary funds, to enroll at the Academy of Fine Arts in Tournai. He participated on a book by the academy, called 'Envie de Fraise', in 1998. His participation got the attention of Eric Corbeyran, who suggested a cooperation. This resulted in the series 'Le Maître de Jeu', of which Charlet drew the first four books at Delcourt from 2000 to 2004.
In 2003, he established himself as an allround author with 'Kabbale', that was published in three books by Dargaud until 2006. He then turned to manga for the series 'Wakfu - Les Larmes de Sang' at Ankama Éditions in 2009. He provided the artwork for Arnaud Floc'h's graphic novel 'Le Carrefour de l'Étoile Rouge' in Bamboo's Grand Angle collection in 2015.


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The blue spots signalize the aesthetic earthquake that has been shaking the Romanian cities for the past 15 years. The elements involved in this cataclysm are noiseproof window panes, rigips, sandstone, the residual space left behind by the communist urbanism, a plethora of glass facades, fractions of the television's visual culture, euphoric demolitions, cages for bodyguards, plastic plants, black marble, adornments made of stainless metal and ideas about architecture that defy any norm by means of which a city exists and develops usually. It felt imperative that I react to the suffocating ugliness of numerous buildings that were constructed in these last few years.
The spots indicate danger and I believe that the peril of aesthetical degradation is just as menacing as the risk of an earthquake. The red spots tell you to stay away, the blue ones urge you to take a stand.
A project by Daniel Gontz and Gianina Carbunariu


text: Gary_T 0 Report post Posted October 18, 2014 Is the anyone here who can help me understand what the model numbers signify on my Les Paul. I do know that LPT is Les Paul Traditional. What do the rest of the numbers mean? Thanks LPTP25FD9CF1 Quote Share this post Link to post Share on other sites


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|Biosequences .. Software .. Molbio soft .. Network News .. FTP
Many of you knew Dwight Billings or knew of his decades of research on ecological aspects of photosynthesis. I am sad to report that he died in his home Saturday, January 4, 1997 at 87 years of age. There will be a memorial service for Dwight Billings at 4PM, Thursday, January 9, 1997 in the Duke University Chapel. Expressions of sympathy may be sent to: Shirley Billings 1628 Marion Ave. Durham, NC 27705 ************************* Boyd R. Strain Professor of Botany Duke University Durham, NC 27708-0340 _________________________ office (919) 660-7408 fax (919) 660-7425 ***************************************************


text: Hello everyone. I just lost something really big. I wrote about 2 paragraphs additions to a blog post that I was working on in my Drafts. I'm usually competent enough technically to resolve issues like this. But I can't find what could of happened to it. It's just gone, and all that remains is the simple start, none of the building of details. This hasn't happened to me since I lost/had my poetry notebook stolen in middle school. This feels sucky. Has this ever happened to you? How did you deal with it?


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« EdellinenJatka »
prison, that I may praise Thy Name! O let me at least begin in this vale of tears to offer with all my soul to Thy Divine Majesty the sacrifice of praise and thanksgiving, to take the cup of salvation and call
upon the Name of the LORD, that hereafter I may praise Thee for ever, through JESUS CHRIST, Thy Son, our LORD. Amen.
Now is the season of grace. The Judge is at the door; let us not be gloomy: but let us bring to Him tears, and contrition, and alms-deeds, crying, we have sinned beyond the number of the sands of the sea; but forgive all, Redeemer of all, that we also may possess the immortal crown.
LORD, have mercy.
O God, Who didst draw Lot from the midst of sinners ;
Who, softened by the prayers of Moses, didst forgive the sins of Thy backsliding people;
Who didst pardon the sin of David, after his confession and repentance;
Who didst command Thy priests to weep and pray, and offer sacrifice for the people;
Who didst fast forty days and forty nights;
Have mercy on us.
Who didst prevent with Thy grace, Matthew, sitting at the receipt of custom;
Who didst bear witness that the publican, humbly striking his breast, was justified ;
Who didst deliver the paralytic man from his infirmity, when Thou hadst forgiven his sins;
Who, by the example of the prodigal son, didst offer to sinners the hope of pardon ;
Who didst make known to the woman of Samaria the Fountain of Living Water;
LAMB of God, that takest away the sins of the world ;
Have mercy on us.
Have mercy on us.
Psalm XCII. Bonum est confiteri. It is a good thing to give thanks unto the LORD : and to sing praises unto Thy Name, O most Highest;
To tell of Thy loving-kindness early in the morning : and of Thy truth in the night-season.
Upon an instrument of ten strings, and upon the lute : upon a loud instrument, and upon the harp.
For Thou, LORD, hast made me glad through Thy works : and I will rejoice in giving praise for the operations of Thy hands.
O LORD, how glorious are Thy works : Thy thoughts are very deep.
An unwise man doth not well consider this : and a fool doth not understand it.
When the ungodly are green as the grass, and when all the workers of wickedness do flourish : then shall they be destroyed for ever ; but Thou, O LORD, art the most Highest for evermore.
For lo, Thine enemies, O LORD, lo, Thine enemies shall perish : and all the workers of wickedness shall be destroyed.
But mine horn shall be exalted like the horn of an unicorn : for I am anointed with fresh oil.
Mine eye also shall see his lust of mine enemies : and mine ear shall hear his desire of the wicked that rise up against me.
The righteous shall flourish like a palmtree : and shall spread abroad like a cedar in Libanus.
Such as are planted in the house of the LORD : shall flourish in the courts of the house of our God.
They also shall bring forth more fruit in their age : and shall be fat and well-liking.
That they may show how true the LORD
my strength is : and that there is no unrighteousness in Him.
Glory be to the FATHER, &c.
"Let your loins be girded about, and your lights burning."-S. Luke xii. 35.
That fervent love which moves the soul to a closer union with her Beloved, her God and Redeemer, sends her to Him for this end in meditation, in the converse of prayer, and in the blessed Sacrament of His love, that she may be made one with Him, may live with Him, and be enriched with His gifts and graces. Not all these means, however,—not even the Sacramental union of the loving soul with her Spouse and LORD,—is enough to satiate her love. In this Holy Sacrament she has indeed her strength and support, but she sees Him only by faith, and under a veil. The frequency, therefore, of this Communion, if it is rightly received, increases her longing for a more perfect union with her God, that she
may see Him face to face, and may behold His glory
And what can be more natural than for a loving bride to desire the day of espousal ? "The SPIRIT and the Bride say, Come !" The whole Church says, "Come!" And each faithful soul, animated by the HOLY SPIRIT, says, " Come !"
But in expectation of this coming, we must be on the alert, with our « loins girded," and our " lights burning." Let me bind around me, then, the girdle of chastity and temperance. Let my will, and mind, and affections be filled with the True Light. Let me "watch" by the heart, by faith, by love, by good works. But alas! even if the spirit be willing, the flesh is weak. And I have too often fallen from this vigilance by my own heaviness and sloth. O that I had been more faithful to my watch, and had not slumbered, as I have done, over my Christian duties ! How many evil habits might I have been delivered from! How many virtues and graces might I have obtained !
But my soul has slept, and the enemies of my peace have been watchful, and have gained an advantage over me. But, LORD, Thou hast made me sensible of my loss; my heart waketh; my soul is athirst for Thee, O when wilt Thou come unto me? When


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Welcome!Hello -
New to the WISH area. Need to be accountable for sure! I recently had some photos done and boy were they eye opening! I weigh more now than I did 9 months pregnant and I want to nip this in the bud before it gets any worse. I am presently 154lbs (5 feet 5 inches) and only weighed 147 9 months pregnant. So now I gotta get into gear and get that weight off and down to the 125lb mark.
I just want a place where I can check in every day and hold myself accountable.
Thank you!


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We do not always have the necessary funds for the purchase of real estate, be it residential property or business premises, for oneself or for rent. Apartment, house or offices, all at a price. The mortgage is often a necessary option for individuals as well as businesses that want to buy a property.
However, financial institutions usually ask for insurance when they take out the loan. It is therefore important to understand all the implications of this mechanism, in order to know how to make the best decisions and to make an informed choice at the right time.
Definition of mortgage loan insurance
Mortgage Loan Insurance provides coverage for the repayment of a loan, in case the borrower would not be able to honor its commitment. The unpaid bills will be covered by the insurance. It is therefore a guarantee required by the bank or the lending organization .
When you make a loan, especially for the acquisition of real estate, you still do not realize that there are other fees that come with the loan. This situation has a direct impact on the repayment plan since the monthly payments increase significantly, hence the need for insurance. When we know that several factors can influence the smooth running of the financial amortization, we must prepare accordingly .
Disruptive factors or risks include loss of employment and other related situations such as temporary and total work incapacity , known as the ITT. There is also permanent or total disability following an accident and death .
It seems obvious that banks or financial institutions can not allow such risks to hinder the payment of the sum borrowed. This is the reason why they require mortgage insurance that acts as a safeguard. It should not be surprising that almost all of these organizations have made it an essential condition for granting the loan.
The borrower insurance, how does it go?
This insurance works for both the bank and the borrower, but how? Quite simply, it covers the default that may occur on the part of the customer, for the reasons we have already mentioned.
In this case, the insurance company reimburses the amount borrowed or the capital, as well as the interest generated. This support may be integral or partial depending on the guarantees contained in the contract.
Insurance is a protection for the client, since it avoids legal problems, including the seizure of his property acquisition, for lack of payment. As a result, he also shelters his family and spares himself significant debts. The insurance in question therefore has a duration equivalent to that of the loan. This is essential for effective protection of the interests of both parties.
If there is one thing that the borrower should keep in mind, it is the fact that the cost of taking out credit insurance is an additional expense. Indeed the monthly premiums of the insurance come to inflate the payment of the interest at the expense of the borrower.
We are talking about an increase of 25% or 40%, which is added to what the individual or the company has to pay. With rates of this magnitude, it is vital that the insured takes insurance that guarantees the best possible coverage . He must carefully study the various options available to him before making a choice.
Real estate insurance, a choice to make
Among the financial institutions that most often lend, banks are most often found. These are the organizations to which borrowers turn spontaneously.
At the time of contracting the loan, the bank imposes as a prerequisite the subscription to a group insurance , a standard loan insurance available to almost all lending institutions. Many customers subscribe without thinking of the fact that they are free to opt for mortgage insurance of another type .
The good news is that this freedom is completely legal. Indeed, there are various laws that have been passed in the interests of borrowers, who have more margin. These are for example the Hamon and Lagarde laws that give full latitude to seek the services of a real estate broker or an insurer for his mortgage.
However, this option is only valid if the guarantees offered by these third parties have a value equivalent to those offered by the group insurance offered by the banking institution. This is an unavoidable condition that must be controlled by consumers.
Which mortgage insurance insurance to choose?
Before embarking on this adventure, it is necessary to study in detail the various offers on the market. The needs of customers are not the same, it is imperative that they choose the insurance according to their profile . Each contract or insurance policy has its own clauses. Although several companies may have common clauses, each offers specific conditions that the consumer must be aware of.
On our website, it is easy to consult price comparisons and guarantees. Free simulations are offered , as well as non-binding quotes. Another equally interesting option is to call on a domain expert, who has the skills to serve as a guide. He can then direct you to the contract offering the guarantees that best suit your interests and needs. This approach is especially recommended for those who have little or no mastery of this sector of activity.
Real estate loan insurance: a choice to make freely
Being able to freely decide on your mortgage insurance is very appreciated. But this peculiarity does not always allow the operations to be done on their own. It is not always easy for borrowers to choose the insurance they need.
That's why many are content with the bank's group insurance policy, or any other financial institution. If it is easy to accept this solution, it is not always the best since there are others much more interesting.
It would be better to think of an individual contract, with guarantees adapted to the situation of each individual . This allows you to make substantial savings, but also to have offers that can be adapted to his profile, especially since the group guarantees are almost identical. Thus, those who have a younger age group with good physical and mental conditions, come out winners.
There are certain laws that allow taxpayers to choose other types of insurance at three key moments, set by different regulations. There are three, including the Hamon law through which one can change insurance in the year following the signature of the loan offer. The customer incurs no penalty and can make this change at any time of the specified period, since July 2014.
There is also the Lagarde law passed in 2010 which allows the borrowing client to offer the services of another insurer provided that the latter has guarantees that are at least equivalent to those of the group contract of the lender organization.
Another rule favorable to this freedom of choice is that of the Sapin II law, introduced in February 2017. Its particularity lies in the fact that it offers a possibility of termination of the contract each time a year is added to the date subscription.
You must first take care to notify the bank or the financial institution responsible for the loan, two months before the end of the first contract.
The equivalence of guarantees: an essential condition
Whatever legislation is relied upon to choose another insurance, it is specified that the value of the different coverages offered by the other insurance companies must be at least equal to that of the collective contract. If this criterion is not met, the bank may refuse, without the right to add other fees or to increase the rate at which the credit is granted.
In addition, the lending organization has the obligation to formulate in detail its different requirements for the borrowing client. It passes for this by a standard card of information on which the consumer can be based to begin or to update the comparison of the different offers on the market.
He must be able to have it in his hands as soon as possible, already at the time of the pre-loan offer. The main details to be included on the sheet are:
- the amount, duration or other characteristics of the loan;
- the rate at which the loan is granted, as well as the details of the guarantees;
- the cost of insurance;
- the freedom, or the right, of the client to choose another insurer.
These different details must be clearly communicated in order to avoid any risk of confusion. To avoid excessive misuse by banks or lenders, a structure has listed different differentiating criteria. This is the Financial Sector Advisory Committee ( FSAC ). In total, there are 18 criteria for conducting a better comparative study of insurance contracts.
If there is one thing that is clear in the insurance industry, it is price fluctuation . So you only have to be old enough to pay double the premium you would have paid 2 years ago. In addition to age, there is also the state of health that has a significant influence on fares.
Good physical and mental conditions can be used to reduce premiums. The term of the loan is also a fundamental factor that can affect the cost of insurance. To get an idea of the rates charged, it is recommended to make a comparison by asking for quotes from various insurers.
It is thus possible to determine what is the best offer in relation to its profile and its needs. Generally, we can see on the market that the lowest mortgage loan insurance rates are around 0.20% and 0.65% .
Real estate loan insurance: for which guarantees?
One should not choose an insurance only on the price that it proposes. Although this is an important criterion, the guarantees offered in the contract must also be taken into account. They are a hedge against the various risks that may hinder the repayment of a loan.
It is therefore necessary to measure the different specificities and make a decision accordingly. It must be remembered that there are different types of guarantees, those that are mandatory and those that are optional.
What are the mandatory guarantees?
There is :
- the IPP guarantee (permanent and partial invalidity): it intervenes in case the customer finds himself unable to perform the professional activity specified in the insurance contract. The PPI belongs to the first category of Social Security and triggers the reimbursement by the insurer of part of the monthly payments, based on the calculation of the disability rate which can vary between 33% and 66%.
- the IPT (Permanent and Total Disability): a guarantee that applies to insured persons with a physical or moral disability, preventing them from engaging in a gainful activity. Belonging to the second category of Social Security, his statement must be made before the age of 65 years. Here, the assumption of the insurer is based on a contractual disability rate of between 66% and 99%.
- the PTIA (total and irreversible loss of autonomy): a guarantee that requires the intervention of a professional who judges the complete loss of autonomy, before any support. Classified in the 3rd category of Social Security, it is also imperative that it be established before the age of 65 years. This disability concerns people who are unfit to engage in any paid activity and who need assistance in their daily lives. The insurer is responsible for paying the total of the installments, according to the given quota.
- IP PRO (Occupational Disability): This guarantee covers the risk of total and, above all, permanent incapacity of medical professionals to exercise their profession. The paramedical corps and veterinarians are also concerned by this coverage. The insurance company pays the full amount of the outstanding capital, subject to a professional disability exceeding 66%.
- the death guarantee is also part of the cover that can benefit any candidate for a mortgage. In this case, the insurer only intervenes in the event of the death of his client before the end of the loan agreement. It pays for all the installments in relation to the insured portion.
Insured persons are reminded of the specificity of the guarantees relating to temporary or total incapacity for work and to permanent or total disability. In these 2 cases, the client must check the box of the clause "his professional activity", and not "any professional activity", to avoid any risk of interpretation. He can thus be covered even if he exercises another activity.
What are the optional guarantees?
There are usually 2 of them, including:
- ITT (Temporary incapacity for work); which may be consequential to an illness or accident. In this case, a reimbursement or lump sum reimbursement is provided, knowing that the work stoppage must not go beyond 1095 days (3 years). After this time, we fall into the category of disability benefit.
- In the event of dismissal , a loss of employment benefit applies which may also concern the conventional break, but not always. This guarantee can not be evoked if the dismissal is caused by gross negligence or resignation.
Conditions in which the guarantees do not apply
These conditions are referred to as "exclusion of warranty". They are often found in bold, in color or in a particular font, since insurers are required to display them clearly.
In this category, we can cite the mental disorders considered by insurers as "non-objectifiable" diseases. They may result in non-application of disability and disability guarantees. However, there are some situations related to these diseases, in which the client can be compensated.
He can claim if he has undergone surgery or hospitalization for more than ten days, because of the said disease. These non-objectifiable diseases can be taken into account in some contracts if you pay a higher premium.
Various factors related to the guarantees of borrowing contracts
Both in the clauses and in the specificities of the guarantees, one discovers certain elements which can impact the amount of the premiums or the assumption of responsibility. Among other factors, there is an age limit from which certain guarantees are no longer covered by the insurer. This limit is generally between 65 and 75 years old . Insured persons can still claim cover for sick leave or disability.
There is also the insured portion which concerns the total or partial assumption of the loan. When a claim occurs, coverage is based on a given percentage, relative to the insured portion. If the guarantee covers the entire loan, we are talking about a 100% quota.
A couple wishing to obtain a loan could choose a percentage of 100% to be sure to have a full payment of their credit if the death of one of the partners occurred before the end of the repayment. However, they can subscribe to a proportion of equal shares or 40% for one and 60% for the other.
There is a limit of care, especially in the case of a job loss or compensation is limited between 12 and 24 months.
Other terms and conditions relating to borrowing contracts also include indemnity and lump sum indemnities that apply to loss of employment, work stoppage and disability. The indemnity guarantee is the one by which the insurer deals only with the income lost by his client.
If the latter receives assistance or has access to other income from other contracts, these different amounts are deducted from what the insurance will pay him. On the other hand, the flat-rate guarantee requires a fixed payment on the basis of a percentage of the remaining reimbursement.
The guarantee ceiling and the deductible are also part of the terms of a borrower insurance. The first one concerns a limit of the indemnities perceived by accident or over a year, while the second concerns a period during which even in case of occurrence of the disaster, there is no assumption of responsibility.
It can vary between 30 and 180 days for the disability guarantee and 40 and 180 days for the loss of employment. At the beginning of the contract, the insurer can activate a waiting period during which it does not apply any cover. For example, for the loss of employment, the waiting period is of the order of 3 to 12 months when the contract is signed.
Various steps to subscribe to a borrower insurance
To subscribe to an insurance, the customer is first given a standardized information sheet that gives him an idea of the different guarantees required by the bank. The same procedure is carried out with the insurer to allow the consumer to judge more objectively the various offers made to him.
The client also has access to a personalized form given to him after his loan file has been carefully studied. It is thanks to this card that he becomes aware of all the guarantees he will have to provide in order to benefit from the funds requested. It is this same card that will allow the insurer to adapt its offer so that there is, at least, an equivalence of the guarantees between the lender and the insurance, if the borrower decides to choose another.
Various information to communicate to the insurer
It is important for the borrower to share certain information with the insurance company so that the insurance company can set the premium and the different guarantees of the contract. He is therefore required to complete a health questionnaire or undergo medical examinations, if deemed necessary by the insurer. It is necessary to be completely frank and not to hide any information, at the risk of not taking care in the event of disaster or a cancellation pure and simple of the contract.
How to activate the borrower insurance?
In the event of a claim, for example, the insured must send a declaration to the insurance company in the form of a registered letter. It can also be sent to the lender who will send it to the insurer. This declaration must be made within a specified period of time in the contract, so as not to risk being refused a payment of compensation.
What to do in case of litigation?
In this case, the client can apply to an organization working as a mediator in the sector or the customer service of the company to make claims. There may also be disagreement with the state of disability or disability. There, it would require the intervention of a medical expert, engaged by the care of the insured. If the disagreement persists, a third expert is called upon.
Insurance for people with serious and chronic illnesses
For these people, subscribing to an insurance contract is either impossible or very complicated. Even if they manage to find an insurance company, the guarantees offered are very small. To mitigate this situation, the AERAS convention has been set up and aims to simplify access to loan insurance for those concerned.


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Social Justice/Public Interest Concentration Affiliated Faculty
J.D. 1989, University of Pennsylvania Law School
Ph.D. 1977, University of Chicago
David Abraham, Professor of Law, received a B.A. in 1968, an M.A. in history in 1972, and a Ph.D. in history in 1977, all from the University of Chicago, and a J.D. in 1989 from the University of Pennsylvania Law School. Prior to entering law school, Professor Abraham taught for many years in the History department of Princeton University.
Following graduation from law school, he served as law clerk to Judge Leonard Garth of the U.S. Court of Appeals for the Third Circuit and as an associate with Simpson Thacher & Bartlett. He joined the Miami faculty in 1991.
Professor Abraham teaches Property, Immigration & Citizenship Law, Citizenship and Identity, Law and the Transition to Capitalism and Law and Social Theory. He has been widely published in each of those areas as well as serving as a frequent media commentator for American, German, and Israeli newspapers and television.
Abraham has been a Visiting Professor at Tuebingen University in Germany, Deakin University in Australia, the École des Hautes Études in Paris, and the Transitional Justice Institute in Belfast. In the spring 2010 semester, Abraham was UM's first Fellow at the American Academy in Berlin. While in Berlin, Professor Abraham worked on a manuscript analyzing the transformation of citizenship in an era of neo-liberal globalization.


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If it wasn't for bad luck, Michael ("Any Given Sunday's" Jamie Foxx) wouldn't have any luck at all. All he wanted to do was take his fiancée, Rae (Nia Long, "Big Momma's House"), on a nice, romantic trip to the Grand Canyon in his new car. After a bathroom fiasco that lands them at a remote convenience store, their relationship is rocked by matters of mistrust and poor money management. Not only does he lose his girl, Michael also gets carjacked and is taken hostage in a botched robbery. In a vain attempt at professionalism, the local authorities consult "The Book," a hostage negotiations manual still in shrink-wrap. With time running out, Michael has to rely on his quick wit to resolve his situation and make it to the airport to stop his fiancée from leaving.
"Held up" is how paying audiences will be left feeling when the credits begin to roll. The film sets up several sight gags and potential running jokes but fails to follow through with most of them. Director Steve Rash's lack of comic timing even manages to botch the humor in a potentially riotous scene involving lethal Doritos. Starring Jamie Foxx, Eduardo Yáñez, Barry Corbin and Nia Long. Directed by Steve Rash. Written by Jeff Eastin. Produced by Neal H. Moritz, Jonathan Komack Martin and Stokely Chaffin. A Trimark release. Comedy. Rated PG-13 for language, violence and sensuality. Running time: 88 min.


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Parnes Takes FLOTUS Fawning to New Heights
We're all for spreading our wings. Today Politico's Amie Parnes takes her FLOTUS fever to a sweat lodge as she writes about, not first lady Michelle Obama, but her mother, Marian Robinson.
No doubt, FLOTUS's press office is doing cartwheels right about now. They officially declined to participate in the story, and still, Parnes manages to make Marian sparkle. Was there even a worry? Unfortunately not much new news in this report — Parnes' prose is well-written and she's good at compiling tidbits from past reports about FGOTUS. We do get a quote from WaPo social reporter Sally Quinn who has the "dream" quote of the story that doubles as a headline. "She's the dream grandmother," Quinn gushes. An anonymous "longtime family friend" reveals (and we use this word to exaggerate how unrevealing it is) that "She's having a great time."
What makes FGOTUS such a dream?
1. She takes the first daughters to school.
2. She keeps a low profile (it must be true because this low-profile story says so.)
3. She does math and helps the first daughters with their homework (which she told NBC TODAY's Matt Lauer last year while keeping a low profile.)
4. She's racy. Marian hits the Vegas strip, which Obama announced last year to the press corps.
5. Last but certainly not least, she does her own laundry in the machines down the hall because she doesn't want anyone else checking out her undergarments. Perfectly understandable. (Michelle Obama told this to Oprah BFF Gayle King in May.)
The Parnes-o-Meter score (1-10, 10 being a Kissing Festival): It's a smoochfest at 8.75.
Read the story here.


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Morgan Wallen To Release New Fan-Favorite Track, '7 Summers'
By Blake Taylor
August 6, 2020
Morgan Wallen is giving his fans just what they've been asking for! The country star announced that his song "7 Summers" will officially drop on August 14.
Wallen turned to social media on Wednesday (August 5) to share the exciting news with fans. "Sometimes I guess you get what you ask for... 8/14 #7Summers," Wallen wrote alongside a TikTok video.
The clip was in response to a fan's video that said "me trying to be patient waiting for Morgan Wallen to release this song" as "7 Summers" played in the background. Wallen's video response to the fan shows him holding up a handmade sign that reads "7 Summers 8/14."
Wallen first started teasing fans about his unreleased song "7 Summers" when he was nominated by Jake Owen for the "Deep Cuts Challenge" that went viral on Instagram during quarantine.
"Got nominated by Jake Owen to post a demo. I'm somewhat on the fence about putting this one on my next record. Y'all let me know what you think," Wallen wrote alongside the demo of the song at the time.
Not too long after, on July 25, the "Chasin' You" singer brought attention to the song again on Twitter, writing, "Well I just looked around on social media and seems like y'all want me to drop Seven Summers."
Fans immediately begged him to release the song and now, they've finally got what they've been asking for.
"7 Summers" follows Wallen's latest single, "More Than My Hometown," which finds the Tennessee native singing about his love for a girl and even more so, for his small-town life.
Both tracks will most likely be featured on the country singer's highly anticipated sophomore album, which follows up 2018's If I Know Me. Stay tuned for more details on the project to come!
"7 Summers" is due out on August 14.
Photo: Getty Images


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Tanner Goods
Tanner Goods Workman Wallet Black
- Available in 3.5 oz Horween Chromexcel leather or English bridle
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Collect in Store is available upon request by emailing us at email@example.com.


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Here is a short list of what many consider to be basic "Good Catholic Practices." Consider making them a regular part of your life.
by TJ Burdick | Aug 18, 2015 | Everything else, Mary, Parenting, Teaching
About a year ago, I started trying to figure out how to make a daily rosary plausible with my young family. At that point, our kids were 4, 2 and newborn. The 4 y/o was super crafty and energized by new things while the 2 y/o would destroy anything that crossed her path, especially a fragile rosary.
So, if I wanted to make this rosary thing work, I was going to have to get creative.
We've tried to complete the prayer in many shapes and forms over the past 365 days, here's a brief roundup of a few of them:
If singing is praying twice, can we just sing 5 Hail Mary's and call it a decade? Just joking of course, I would NEVER use this excuse when it is 11 PM and my kids just want to go to bed and never pray again for another minute for the rest of their lives. Never. (The sarcasm is pretty thick here, I wonder if my readers are picking up on it.)
However, I did find it helpful to turn that last Hail Mary of each decade into a song. Each of the previous 9 Hail Mary's lead up to what they love, the singing part, which makes the process a little less droning and a lot more joyful.
When I first started trying to figure out this whole "rosary with toddlers" thing I made an urgent appeal to my friends on Facebook. One told me about Rosary Flowers. I'm no crocheter, but I loved the idea so we whipped up some fake flowers made of pipe cleaners and tissue paper and told the kiddos to place them in a small basket after each Hail Mary. We told them that each prayer was gift we gave to Mary so, naturally, we placed the basket underneath the image of Our Lady. Bonus points if you can teach them about St. Terese the Little Flower while you try this method.
This one is a dream of mine. In some not-so near future I'd like to purchase a couple of acres of flat land and create a Rosary Garden. Each Our Father would be a solid Oak tree and each Hail Mary a Skyrocket Juniper. Together, these tress would circle around a bed of flowers representing each mystery. I haven't figured out which flowers would represent which mystery, but you get the idea. The goal would be to attract people to walk around the "living" rosary and pray together at each tree.
On a smaller scale, you can do this with your own garden if it is big enough. Plant 10 of the same plant, flower, tree in a sequence and use those as your rosary beads. We haven't done it yet with out family, but someday, who knows, my dream might come true.
Loved this one, especially for my 2 y/o. We use sidewalk chalk at least twice a day in the summer and circles are a hot shape to draw when you are a toddler. So, we draw them big enough to jump into and on each jump, we pray to Our Lady. Not only do they get the spiritual charge-up, but they get tired enough to want to take a nap afterwords. Parenting Win.
In lieu of an actual rosary, we put 11 pieces of food into a bowl, one for the Our Father and ten for the Hail Mary's. Each child would hold the piece of food in their hand while they led that particular prayer. Once they finished, they could dig in while the other child would lead the next prayer.
This worked out really well in helping the kids learn how to say the prayers. If they didn't say the prayers, they simply didn't eat their food. Make sure to not use big portions as the recitation of the Hail Mary tends to go quick and if your kid is still munching down on and apple slice when it is their turn to lead the prayer, things get weird.
Instead, use any small food especially
The best cereal to use is by far Cocoa Puffs. In fact, with Cocoa Puffs, a needle and a thin string you could even make your own rosary and bite each Hail Mary off as you go. Genius points if you can figure out how to make a 2 y/o make one of those though.
PB & Grace publishers has a REALLY cool series of books out called The Illuminated Rosary: Pray the Mysteries of the Rosary with Sixty Works of Sacred Art. I am purchasing these as soon I can because I used to go to the trouble of finding Sacred Art of each mystery and saving them to my iPad photos to show to my kids as we prayed. If there is ONE thing that can make our prayer time go completely chaotic, it is the introduction of an iPad into the service.
These books change all of that. Check it out:
8. Use Your Fingers
We oftentimes find ourselves away from the house (or too lazy to get the rosaries off of the shelf) and we have the kids use their fingers to keep track of the prayers. They like this from time to time. The tired and baddy-eyed versions of us do to.
The rosary itself if a thing of beauty. The Blessed Archbishop Fulton Sheen once said, "The Rosary is the best therapy for these distraught, unhappy, fearful, and frustrated souls, precisely because it involves the simultaneous use of three powers: the physical, the vocal, and the spiritual, and in that order."
With toddlers, all of those powers are constantly in formation, but that physical side of our prayer life is one that children so often respond to best. Unfortunately, is is also the part that adults so often neglect.
Go to the nearest Catholic religious goods store and have your toddler pick out the rosary he/she likes best. It can be big, his/her favorite color, it can even be basketballs. Once it is in their hands, teach them to handle it with care and how to use their fingers to count each prayer as you go. You'll find that the rosary alone is indeed quite effective. In fact, our family no longer does any of the other methods previously mentioned in this blogpost because we found that kids love their rosaries more than the food and activities we offered them!
Note that we still are only on a decade a day. Our kids simply can't handle a full-on 5 decade rosary at this point. We do, however, hope that we are laying a firm foundation for their future prayer habits. We are praying as a family and that is always such a challenge, but one that we willingly (and only sometimes grudgingly) accept. Our goal is to imitate the Holy Family and the rosary helps us do that better than any other method.
What about you, how do you pray the rosary with your family? Or, do you do any other awesome prayers with them?


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At Frames and Things we make it our mission to stock our shelves with as many Alaskan Gifts as possible and pride ourselves on the quality, variety and beauty of our selection. Today we are here to present to you the 5 newest additions to the Frames and Things family of gifts.
#1 Alaska Sea Glass
These wonderful pieces of one of a kind jewelry are made out of 100% recycled glass collected from right here on the Kenai Peninsula. Once they have "rescued' the glass from our local landfill they collect the salty Cook Inlet water and tumble the two together in an industrial cement mixer. The result is some of the most beautiful, unique and environmentally conscious art in the world.
#2 Arctic Silkz
Many people who visit the Kenai Peninsula want to find that one of a kind souvenir. But that's hard to do when 90% of our gift shops carry nothing but mass produced, made in china products. Luckily for you Frames & Things carries locally hand painted / dyed silk scarfs. Every Arctic Silkz is 100% unique. So if looking for a high quality one of a kind gift to take home with you look no further than an Arctic Silkz scarf.
#3 Native Northwest Mugs/Hydro Flasks
Native northwest is a company which has dedicated itself to the creation of museum quality merchandise that features art by first nation and native american artists. They sell these products with the intention of preserving Native American Culture through supporting programs to enhance literacy, early childhood development safety, and protection of children, women's shelters, poverty relief, etc. So whether you in search of a new vessel for the coffee lover in your life, or just a piece of art that supports a great cause, Native Northwest Mugs or Hydro Flasks might be for you.
#4 Ray Troll Tshirts
If you're looking for something a little more, edgy, cool, and modern then you should check out Ray Troll Tshirts. This Alaskan artist has been making clever alaskan/pop culture hybrid art for many years and now makes his portfolio available in a variety of apparel options. Get yours while supplies lasts!
#5 Great Alaska Wood Kits
If you're looking for an interactive souvenir to take home from the last frontier then you need a Great Alaska Wood Puzzle! These Alaskan made puzzles are great for entertaining children or just being a conversation piece to keep on your coffee table. They come in a variety of Alaskan styles and are as fun as they are beautiful!
To learn more about these products and see them in person come visit us here at Frames & Things in the Blazy Mall! We hope to see you soon!
Our articles are professionally crafted by the Frames & Things Team!


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John brown facts, john brown biography, Quiz game for kids, are the prevailing information on this page about important people in the history of the United States of America. Learning about John brown has been made easy with this game quiz for kids. Kids will be able to evaluate themselves and learn online about John brown. While catching fun with this quiz game, kids will have to respond to challenging questions about John brown by choosing the correct answers such as, Who was John Brown, When was John brown born, Where was John brown born, What was John brown known for, did John brown led a raid on the U.S. arsenal at Harpers Ferry- Virginia, Why was John brown convicted, was John brown nationally famous as an irreconcilable foe of slavery, What happened to John brown when he was capture, Which year did John brown die, and more questions in this game. Take part in the quiz game below on John brown facts and acquire more.


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'America's Got Talent': Magician Eric Jones Gets Tearful About Fatherhood, Amazes Judges With Epic Coin Tricks
In the midst of one of the most competitive seasons of America's Got Talent yet, Eric Jones hit the stage on Tuesday's first night of the semi-finals round as the only magician still in the competition, and the talented illusionist was determined to deliver the performance of a lifetime.
Before he came out, Jones opened up in an emotional pre-taped package where he explained how important the night was for him as his young son, Cameron, would be watching from the audience.
"Tonight he's going to see me perform on a big stage for the first time ever," Jones shared, as he got choked up. "I want to make him proud."
WATCH: Hammer-Wielding Magician Wows 'America's Got Talent' Panel
Jones said that his son has "always had the biggest piece of my heart," but as a working magician who supports his family with his craft, the proud father is on the road a lot and it's required a lot of sacrifices.
"Because I travel 200-plus days a year, I haven't been able to be the father to Cameron that he deserves," Jones said. "I didn't get to see his first steps, I didn't get to hear his first word. I wasn't there, but I want to be there now."
"Winning this thing means I can be the father to Cameron that I've always wanted to be," he added. "So this moment is the most important moment of my life."
WATCH: 15-Year-Old Magician Leaves 'America's Got Talent' Judges Spellbound With Card Tricks
As Jones came out on the stage, judges Mel B, Howie Mandel, Heidi Klum and Simon Cowell were seated at two tables on stage with him, and the impressive magician pulled off some of the greatest close-up illusions imaginable, all with just four coins.
From making coins disappear while in the judges' hands -- and even while they were throwing them onto the table in front of them -- to making the coins reappear in impossible places, Jones left everyone in the theater believing in the impossible.
WATCH: Magical Twins, Musical Military Men & a Dancing Pumpkin Impress the 'AGT' Judges
Even as a part of his act, the judges couldn't contain their excitement and amazement for Jones' astounding performance.
"You are truly, truly a superhero," Mel marveled, while Klum said the act was "really mind-blowing!"
Jones' toughest critic throughout the show has been Cowell, who has always praised him for his technical skill but criticized his stage presence and minimalist approach to theatricality. However, after Tuesday's demonstration, Cowell had nothing but love.
"It was magic! I thought your delivery was much better today, you were more confident. That's what it is about, stepping up for the semi-final," Cowell shared. "You know what, Eric? I think you're ready for the final."
WATCH: A Techno Magician and Daredevil Clown Stun on 'AGT'
After he got super positive feedback from the panel, host Tyra Banks asked Jones how it felt to have his little boy watching him from the audience.
"It means everything to me," Jones smiled as his son waved to him from the crowd. "That little boy is my life, and I'm hoping that through this I can be a better father to him. He deserves the world and I'd like to give it to him."
To see if Jones makes it into the finals, tune in to the America's Got Talent results show on Wednesday at 8 p.m. ET/PT on NBC.
Check out the video below for a look at Jones' amazing performance (involving a claw hammer and one of the judges' buzzers) during the Judge Cuts round earlier this season.


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Congress Amends and Expands Job-Training Program
WASHINGTON--After three years of often contentious debate, Congress has sent job-training amendments to President Bush for his signature.
The measure is designed to encourage greater coordination of services among job trainers, educators, and community groups and to provide more intensive services to participants.
The "job training reform amendments of 1992'' would create a year-round training program for teenagers and young adults, in addition to the existing summer program. It would be aimed at out-of-school youths and extremely poor school-age children.
States would have to allocate at least 40 percent of their Job Training Partnership Act funds for youth-training programs and 40 percent for adult-training programs.
The bill would also require that all JTPA participants be tested to assess their basic academic skills and to enhance their long-term employment prospects.
And it would let governors create single "state human-resource investment councils'' to coordinate the administration of federal job-training, welfare-to-work, and vocational- and adult-education programs.
Year-Round Program
The new year-round training program would target poor 16- to 21-year-olds, 65 percent of whom would have to have a second barrier to employment, in addition to poverty, in order to participate. Such barriers include being a teenage parent or having a physical disability.
Young people under age 18 who have not finished high school would have to enroll in an alternative course of study approved by their school district or return to a high school, an alternative school, or a high-school-equivalency program to participate in training.
No more than half of the participants in the year-round training program could be students.
The bill would also allow 14- and 15-year-olds to participate in the program, if provided for in a job-training plan.
In addition, it would enable states to create schoolwide projects in schools that enroll a large number of poor children. All students in such schools would be eligible for job training, regardless of income, as long as 70 percent of the students in the school had two or more barriers to employment.
Participants in schoolwide projects would not be counted against a state's 50 percent limit on student participation in year-round programs.
Recommendations Adopted
The amendments also would provide $100 million for a new "Youth Fair Chance Program,'' backed by the Labor Department, that would offer concentrated training to 14- to 21-year-olds in very poor rural and urban communities.
As in the schoolwide projects portion of the act, individual students would not have to prove their poverty to participate in such programs. States or localities that won such grants would have to match the federal aid dollar for dollar.
"A lot of the stuff that we had recommended in the JTPA advisory committee got in here,'' said Marion Pines, a senior fellow with the Institute for Policy Studies at Johns Hopkins University and the chairman of the Job Training Partnership Act Advisory Committee, "so I was pleased to see that.''
Ms. Pines said she was particularly pleased to see that individual students in schools with high poverty concentrations would no longer have to prove poverty in order to participate in the program. "We really argued long and hard for this,'' she said.
But she worried about the requirement that 50 percent of youth participants be school dropouts. "I think many of us would have preferred that 50 percent of the dollars be spent on dropouts, because those will be very expensive strategies,'' she said. "If 50 percent of the kids are dropouts, that could well soak up 90 percent of the money'' and leave little for dropout prevention.
The measure would continue to allow states to reserve 8 percent of their training allocation for state education agencies. The set-aside could fund school-to-work transition services of "demonstrated effectiveness,'' adult literacy and lifelong learning opportunities, and sex-equity programs.
Super Councils
One of the most contentious aspects of the bill had been the creation of super councils at the state level that would oversee all job-training, welfare-to-work, and vocational- and adult-education programs.
The amendments would let governors create such councils, rather than requiring them to do so, a move that had been vigorously opposed by vocational educators and some job trainers.
In addition, the act provides several other safeguards that would make it harder for governors to form such councils by fiat. First, a governor would have to obtain approval from the state directors of agencies accountable for each program for a program to be included in the super council. For vocational education, that would normally be the chief state school officer or the vocational-education director.
Second, the state council on vocational education would have to agree to any plan to shift its functions and the funding it has received under the Carl D. Perkins Vocational and Applied Technology Education Act over to the council.
At least 15 percent of the members on such super councils would have to come from the education community, including school districts, postsecondary institutions, and secondary or postsecondary institutions of vocational education.
Carnie Hayes, the director of federal-state relations for the Council of Chief State School Officers, said, "The key thing that we looked for in negotiating ... was whether it really was a voluntary super council.''
"The key bottom line was preserved,'' she said.
But despite the constraints on governors, Ms. Pines said, "if the governor has any leadership,'' he or she should be able to form a human-resource investment council.
"Dollars are so tight,'' she said, "that we certainly need to
integrate these programs much more carefully.''
Vol. 12, Issue 01, Page 33Published in Print: September 9, 1992, as Congress Amends and Expands Job-Training Program
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Bit late on this one aren't I? But better late than never.
This month, I have a ton going on including some exciting challenges and I really want to knuckle down and get April cracked. Some of these goals are more ongoing than anything but good to get them down in writing so I can begin tracking them effectively.
#1 Run a half marathon
This weekend, I'm heading off to Sheffield with my mum to run the Plusnet Yorkshire Half Marathon. I haven't done as much training as I normally would do for a half marathon in terms of time on legs, but I've been doing different sorts of training. I'm pretty confident I'll do an OK time, just not a sub-2 hour race, but I can definitely live with that. I'll keep you posted on how the whole thing pans out and how I'll be recovering afterwards.
#2 Up my weights
I've been doing group PT sessions since about September last year, twice a week, which I absolutely love. For me, doing group sessions spurs me on more than working out alone, and I have a really good group who I train with regularly which helps. I've made a huge improvement even since September, but I want to get a bit more serious now and see what my body is capable of. Bring on those deadlifts and gainz.
#3 Re-educate
I'm training to be a Diet and Nutrition Advisor, which is ridiculously exciting and something I've wanted to do for a long while now. My love for wellbeing and healing through nutrition has reached new heights over the past 18 months, and rather than watch from the outside, I want in on a world where I can advise people on bespoke nutrition plans and re-educate on how different foods impact the body. Don't worry, I'm not going to become all preachy on the matter – for me it's all about a healthy balance and this is something I want to incorporate into everything I do. I'm studying part-time with Stonebridge, as recommended by lovely Laura over at Wholeheartedly Healthy and thoroughly enjoying it so far.
#4 Cut out dairy
I've got some nasty ongoing throat issues thanks to a double hit of laryngitis last year, which resulted in me losing my voice completely for around 3 weeks. I'm having speech therapy to combat some of the more technical sound bits of the condition, however, I'm also cutting out dairy for the rest of the month to see how my throat (and general wellbeing) responds. I have to say this is hard work (gimme a flat white, please) but I'm very into how different types of food affect the body, and as dairy is a natural inflammatory, I'm experimenting with giving it up to see if it's worthwhile in the long run.
#5 Become a yogi
I've dabbled in a bit of yoga in the past, but never full committed myself to the cause. On a quest to complement my strength training and gets those abs firmed up, I want to start throwing in a a couple of yoga sessions here and there. This month, I'll be breaking myself in and following some yoga videos on YouTube (big up Yoga with Adriene, thanks Anna for the tip). Also this means I can buy some snaz new workout gear which is always good #spendy.
What are your goals for this month?


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GAME INFO: Frozen Kristoff Christmas Make Up
Frozen Kristoff Christmas Make Up:
The brave mountain man Kristoff may come across as a rugged person. But this Christmas he wants to change his image altogether. Yes, He wants look gentle and stylish. You can get friendly with him if you be his stylist in this girl games. As you know that he is a bit lazy person, lets do whatever it takes to change his look. We shall give him a stunning makeover that can make him appealing to others that he is no longer a loner. So get this makeover game started and pamper Kristoff with some wonderful facial creams for making his face shining and soft. His hair also needs to be washed that it looks very silky. Finally, apply make up to his handsome face and accessorize him stylishly. Enjoy playing this Frozen Kristoff Christmas Makeover game! Do not forget to tell your friends to come play our FREE Games. Our game can provide you with an opportunity to create your own world. The theme of this game is not to obtain the final victory but to realize your dream. So you should take advantage of this opportunity and fully show yourself and your dream in this virtual world. At last, you can enjoy this game with your friends. So come and construct a world for yourself! publishes some of the highest quality games available online, all completely free to play. Our massive selection of games include some of the most played genres online, the most popular being arcade games, retro games, mini games and many more, all guaranteed to keep you entertained for hours to come. We pride ourselves on providing our users with original and rewarding content to keep them entertained. So if you are looking for games for kids or to simply blow off a little steam and use up some time, feel free to enjoy all that we offer and return to play more great games.
Frozen Kristoff Christmas Make Up
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President Barack Obama Returns To Cool Brooklyn Visiting P- Tech High School Today - Was That The President's Helicopter Flying Over Roosevelt Island?
President Barack Obama returned to Brooklyn today visiting P-Tech High School in Crown Heights. He praised the school as being a model for math, science and technology education and noted that:
"When I was living here, Brooklyn was cool, but not this cool." —President Obama at P-TECH High SchoolHere's a report on President Obama's Brooklyn visit from ABC Channel 7 news
— The White House (@WhiteHouse) October 25, 2013
and his full remarks at P-Tech High School.
President Obama also visited Juniors for some cheesecake with Democratic Mayoral Candidate Bill DeBlasio. (More Pictures of President Obama in Brooklyn from Buzzfeed)
Image From Buzzfeed via Larry Downing / Reuters
From A Roosevelt Island parent:
@BarackObama - So cool seeing the helicopters flying over Roosevelt Island just now. I told my son you were in one - I hope that was true!Perhaps President Obama will visit Roosevelt Island to see the new technology center being created here with Cornell NYC Tech. Wouldn't that be something!!!!
— Rhonda Pringle (@RhondaPringle) October 25, 2013


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Okay Here are the things that have been taken care of in the last year emission wise:
1. New catalytic converter
2. New 02 sensor, front one.
3. New Engine Coolant Temperture Sensor
4. New EGR valve, gasket
5. New PCV valve
6. New correctly gapped NGK spark plugs
7. New Plug wires
8. EGR passages checked for flow and cleaned as well as can be without taking exhaust manifold off.
Car's oil usage is about a quart every 900 miles or so.
So the question is, is there any other sensor or test I can conduct that might contribute to this issue and ultimately have it solved?
have the same problem?
Wednesday, May 5th, 2010 AT 12:29 PM


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From Trenches to Triumph
by Dave Clark
From Trenches to Triumph is an anecdotal book about how to start your own sales business. Dave Clark describes his journey to becoming self-employed and shares advice on salesmanship and business start-ups. Readers will find this book filled with sales pitch examples and motivational tips.


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Si tiene preguntas sobre el UseNeXT, estamos a su disposición a través de nuestro teléfono de asistencia.Llámenos: 0049 89 / 20 17 20 16 Asistencia en línea
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1 / 102
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Summermill At Falls River
10311 Falls Mill Dr, Raleigh, NC 27614
Whether you're looking for a spacious apartment fit for a family, you and your roommate are looking for something convenient and cozy, or you're a single professional looking for an upscale place to center yourself each day, Summermill at Falls River is the place you've been searching for. Our garden-like setting is located in a quiet area that is convenient to all the best places in Raleigh, from restaurants and shops to entertainment venues and parks. We offer a variety of one, two, and three-bedroom Raleigh apartments that are filled with extraordinary features and amenities. From the in-home cozy fireplaces,...Show More
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Marvin Ammori is the General Counsel of Protocol Labs, a company focused on improving the internet and computing generally. Its projects include IPFS, Filecoin, Coinlist, and others, and investors in those projects include Sequoia Capital, Andreessen Horowitz, and Union Square Ventures. From 2016-2017, he was general counsel of Virgin Hyperloop One, serving on the senior executive and business leadership team, helping the company to raise $180 million during his time there. Before going in-house, Mr. Ammori was Silicon Valley's "go-to First Amendment guy," according to Fast Company. He led the most important, successful, and unlikely political victories determining the Internet's future, often overcoming "impossible odds" when others saw no path to victory. At that time, he represented Apple, Google, Dropbox, eBay, Automattic, Tumblr, Twitter, and others on their signature policy issues. He is a graduate of the University of Michigan and Harvard Law School.
Recognition: Ammori has been named to Politico 50's "list of thinkers, doers, and dreamers" who are "transforming politics," Fast Company Magazine's "100 Most Creative People in Business," Washingtonian Magazine's list of "Tech Titans," and as one of the top five tech lawyers by the World Technology Network. He has been the subject of front-page profiles in the Philadelphia Inquirer, the Wall Street Journal, the Washington Post, and also profiled in the Atlantic and Fortune.
Cases: Mr. Ammori was the key organizational and intellectual force behind the FCC's Comcast/BitTorrent decision protecting net neutrality in 2008 (Ammori authored the complaint and argued the case before the DC Circuit). Gigi Sohn called the FCC decision the biggest public interest telecom victory in 20 years and Larry Lessig said he had read no government decisions that were "more subtle and sophisticated in their understanding of the Internet." Ammori helped lead the movement that killed the proposed SOPA bill in 2012 with an "Internet Blackout." He was the key advocate behind the White House and FCC's decision to back strong "Title II" rules in 2015. Etsy CEO Chad Dickerson has called him the "net neutrality whisperer"; Tim Wu, who coined the phrase net neutrality, wrote that Ammori "deserves enormous credit for leading the march to Title II"; and Kickstarter's communications head declared that, "No one deserves more credit for the Net neutrality victory than" Ammori. Reviewing the decade-long fight for net neutrality, Salon's Matt Stoller wrote, "if there's one person who really operated with superb strategic insight and tenacity this whole time, it would be superlawyer Marvin Ammori." U.S. Senator Angus King has said, "I think probably more than anyone in the country he is the father of net neutrality."
Fellowships and Boards: Ammori has also served as a Future Tense and Schwartz Fellow at New America, one of the nation's most prominent think tanks, and as a Senior Fellow to the Democracy Fund. He serves on the boards of the nonprofit advocacy groups Fight for the Future, Demand Progress, and Engine Advocacy. He also serves as an Affiliate Scholar of the Stanford Law School Center for Internet & Society. Ammori was a Term Member of the Council on Foreign Relations and a Fellow of the Americas Business Council Foundation. In 2008, he served as an advisor to the Obama campaign and the transition team.
Writings and Talks: Ammori has published articles in the New York Times, USA Today, the Atlantic, Wired, Slate, Forbes, and the Harvard Law Review, and he authored a book On Internet Freedom. He has appeared as an expert on CNN, MSNBC, ABC, NPR, and other TV and radio outlets. Ammori has also keynoted conferences in Germany, Portugal, Brussels, Taiwan; he has spoken at TEDx U-Michigan, three Federalist Society National Lawyer Conventions, and has testified before several government bodies.
He stopped blogging here a few years ago.
All blog posts are under Creative Commons Attribution 3.0.
Republish all you want, attribute and link.


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Cross-posted at Delaware Punchline
New Jersey police and firefighters protested at the Statehouse on Saturday to show support to their Wisconsin brothers, and to send a message to Gov. Chris Christie that they aren't the enemy.
While that may be true, New Jersey is not Wisconsin, and too often we read about public safety workers retiring with a $200,000+ sick time payout and a pension bloated by years of overtime abuse.
Just yesterday, a report by the Press of Atlantic City shows city officials used $2.2 million gained from layoffs of 60 police officers and 30 firefighters last year to help offset $7.1 in terminal leave payments to veteran police and fire employees upon retirement.
One retiring deputy fire chief received more than $272,000, three other public safety workers collected more than $200,000 each and 12 more cleared at least $100,000.
So far, Christie isn't trying to end collective bargaining the way that is Wisconsin counterpart, Gov. Scott Walker, is. In fact, one measure of Gov. Christie's "tool kit" to help municipalities better manage their growing financial burdens it to cap sick-leave payouts at $15,000.


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Wednesday, May 16, 2012
Zapgun? Mutant Food?
I bought this with nary a 4473:Should help if we're invaded by Mars, right? (Plenty more where that came from and not all that costly as Art goes: Do Your Part!)
Tam has alluded to A Proper Indiana Breaded Tenderloin; here is an example, slightly eaten already:You'll put your eye out, kid!
Wednesday evening featured the first 2012-edition charcoal-grilled steaks a la Roseholme. No pictures but they just melt in your mouth -- good filet mignon, hardwood charcoal and Irish butter!
7 comments:
- Turk Turon said...
That looks like an Atomic Bong. "Happy Earth Day, you th-th-th-thing from another world, you!"
- May 17, 2012 at 12:59 AM
- Fuzzy Curmudgeon said...
If you're downtown for lunch most any day, try the tenderloin at the Double Eagle Cafe on the mezzanine level of the Scottish Rite Cathedral. Yummy.
Most folks who don't work downtown are unaware that the Cafe exists, and even if they are, that it is open to the public. Hours 11AM-2PM.
- May 17, 2012 at 8:39 AM
- Roberta X said...
Turk: the Atomic Bong: first it stuns them into intoxication, then BONNGGG! They ring once and fall apart into shards.
Nathan: This I Did Not Know. Will check it out.
- May 17, 2012 at 8:58 AM
Wow. And I thought we here in No. Carolina liked our tenderloin sammiches on the (ahem) hearty side.
- May 17, 2012 at 10:31 AM
- greg said...
I think I saw them make something like that on Man vs. Food. Not something I have been able to get my hands on in the Pacific Northwest.
- May 17, 2012 at 1:23 PM
- Roberta X said...
FWIW, the tenderloin has been beaten very thin.
- May 17, 2012 at 3:37 PM
- agirlandhergun said...
Ever since we left Iowa we have not been able to get a decent tenderloin sandwich. Tried to make our own, but it's just not the same.
- May 17, 2012 at 3:39 PM


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Here are 28 of the best Nick 'The Honey Badger' Cummins quotes of all time;
1. "I've been doing it (playing Super Rugby) a good five years now. Lucky for me every bugger fell over and I got a gig."
2. "The flamboyant French? They look all right. They have a good style about them with their hairdos. I might take a few pointers and go to a stylist to sort myself out. A few of the boys tell me I look a bit ordinary at times."
3. "You get one opportunity. You balls it up and you are in strife."
4. "My old man woke me up in the morning. He was going off like a bag of cats."
5. "If I get a gig, I'm gonna go off like a cut snake."
6. "He's a pretty quick rooster alright. You don't show him the sideline thats for sure."
7. "Imagine running off Izzy and Quade. How about that – I'd be happy to get a bit of meat."
8. "When you come into this sort of game you've got to show the patience of the Dalai Lama initially in order to get that gig and when it comes round be ready to strike. Tonight unfortunately wasn't the night for us."
9. "I'm looking forward to getting out there and seeing plenty more of the 'seed' in 2014."
10. "One of the stories that inspires me is that it is documented that a honey badger killed a lion in a one-on-one,"
11. "What happened was that he clawed the canastas off the big fella. He just went one-two on the ball bag, and the big fella has walked around the corner and fell over … That, to me, is outstanding."
12. "You gave a lot of pill to the Badge … which was good of you."
13. "The boys were on it like seagulls at a tip."
14. "Just wettin' a line."
15. "I just saw the line, pinned me ears back and ended up bagging a bit of meat in the corner there, which was tops!"
16. "Last year was a bit, uh, how you goin', but um, nah we're good now."
17. "Yeah mate, it's bloody outstanding, you know. That bloody sea of blue, just gets right up ya and gives ya the strength."
18. "Yeah look, there's a couple of big hooahs getting about."
19. "You're as tough as woodpecker lips."
20. "Yeah mate I bloody was like a rat up a drainpipe in one of them runs there."
21. "He was huffin' and puffin' and, mate he did well, he always does, he's a tough rooster."
22. "Got a couple of knocks and a whack on the schnoz."
23. "Mate we're just more focused on treading softly and carrying a big stick."
24. "Holy tomorra. How good? Bloody, you beauty."
25. "Couldn't understand a word he said, he meant well…I know that."
26. "Just like that kid that fell outta the tree ya know, he just wasn't in it."
27. "Last year we were all sizzle and no steak, but now we're off like a brides nightie."
28. "…I'd be 37 or something for the next one and I'd need 4 facelifts and a bum tuck to be a shot."
What is your favourite Honey Badger quote?


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Ragini MMS
2011 | ALT Entertainment / iRock Productions
Director: Pavan Kripalani
Cast: Raj Kumar Yadav | Kainaz Motivala
Imdb Link: http://www.imdb.com/title/tt1890513
Publicity Design: Seek Red
Ragini and Uday go to a farmhouse for a weekend. She is unaware that the house is rigged with hidden cameras and Uday plans to record their intimate scenes. They soon learn that the house is haunted.