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Dr. Roby Barrett's sweeping study of Yemen's historical legacy and its current social, economic, and political systems is essential reading for all who would seek to understand the challenges to U.S. security interests in southern Arabia and reassess current U.S. strategy in light of recent turmoil there.
Knowledge of the political, economic, social, and cultural context is fundamental to the development of a realistic counterinsurgency strategy based on the possible and affordable as opposed to the ideological or theoretical.
The central theme of Dr. Barrett's monograph is that in Yemen, power is based on family, clan, and tribal relationships and not a national identity.
The insights provided in Yemen: A Different Political Paradigm In Context plus recent events in Yemen suggest that the time is ripe to reconsider U.S. approaches toward Yemen. Dr.Barrett suggests that Yemen cannot be transformed. Good governance, as Western nations would define it, is most likely unachievable. Our policy must deal with multiple Yemens with conflicting historical, political, economic, and cultural heritages. These are Yemens with identities and values hinged upon familial, clan, and tribal loyalties.
Dr. Barrett, however, argues that while Yemen may be a failed state, it is not a failed society. This suggests that U.S. policy goals for addressing the root causes of instability and improving governance will have to reach beyond the central government and weak institutions to engage tribes and clans and to achieve a balance among the multiple Yemens that are in virtual continuous conflict. Dr. Barrett suggests that perhaps the only improvement possible in Yemen is a fluid equilibrium between the various groups and whoever dominates the government in Sana'a, a situation that may in fact mirror in many respects the future for other areas including Afghanistan.
Dr. Roby C. Barrett is a senior fellow with the JSOU Strategic Studies Department. He has over 30 years of government, business, and academic experience in the Middle East and Africa. Dr. Barrett is the president of a consulting firm, specializing in technology applications and systems for national defense and security. He has extensive experience in space systems, nuclear issues, police and security systems, command and control, technology development, and weapons acquisition as they relate to both U.S. and foreign governments. The current focus of his research is strategic security issues in the Persian/Arabian Gulf, including Iran and the Arabian Peninsula. He is a former Foreign Service officer in the Middle East with a strong background in the cultural and political dynamics of historical Islamic and political development. His posting and other assignments included Tunisia, Yemen, Jordan, Lebanon, Egypt, Saudi Arabia, and the Arabian Gulf.
As a founder of the National History Center within the American Historical Association, Dr. Barrett specializes in the application of broad historical and conceptual paradigms to issues of ongoing political and military conflict and the projection of future trends. He is an adjunct scholar at the Middle East
Institute (MEI) in Washington, D.C. He provides domestic and international media commentary on a range of issues from the Palestinian territories to nuclear proliferation and the challenges of Russian policy in the Middle East and North Africa. Initially trained as a Soviet and Russian specialist, Dr. Barrett brings unique insights to the regenerated competition between Russia, China, and the United States in the Middle East and Africa.
He also serves as the senior advisor to the Board of Directors of the Bilateral Arab-U.S. Chamber of Commerce, an organization whose members include major foreign and domestic petroleum companies. He is the lead panelist on Middle East and South Asian Policy. He also participates in the Congressional Fellowship Program, American Political Science Association, and Johns Hopkins School for Advanced International Studies in Washington, D.C. He has been a featured panelist for the German Council on Foreign Relations on Middle East and Gulf Affairs. Dr. Barrett also serves as a lecturer on Gulf affairs, Iraq, and U.S. foreign policy for the Air Force Special Operations Command and in response to special requirements. Dr. Barrett was an Eisenhower-Roberts fellow of the Eisenhower Institute in Washington D.C., a Rotary International fellow at the Russian and East European Institute at the University of Munich, and a Scottish Rite Research fellow at Oxford University. He holds a B.A. in History and Political Science from East Texas State University and an M.A. in Political Science and Russian History from Baylor University. He is a graduate of the Foreign Service Institute's intensive 2-year Arab Language and Middle East Area Studies program and the Counterterrorism Tactics course and took part in the Special Operations course. He has a Ph.D. in Middle Eastern and South Asian History from the University of Texas (UT)–Austin. Other honors include the Guittard Fellowship (Baylor), the Dora Bonham Graduate Research Grant (UT-Austin), the David Bruton Graduate Fellowship (UT-Austin), the Russian Language Scholarship (Munich), and the Falcon Award from the U.S. Air Force Academy.
As an author, Dr. Barrett's works range from books to articles on the Arab League and digital research techniques:
a. The Greater Middle East and the Cold War: U.S. Foreign Policy under Eisenhower and Kennedy (Palgrave Macmillan, 2007)
b. "Intervention in Iraq, 1958-1959" in MEI Policy Briefs, 2008 and many more.
The Joint Special Operations University (JSOU) provides its publications to contribute toward expanding the body of knowledge about joint special operations. JSOU publications advance the insights and recommendations of national security professionals and the Special Operations Forces (SOF) students and leaders for consideration by the SOF community and defense leadership.
JSOU is the educational component of the United States Special Operations Command (USSOCOM), MacDill Air Force Base, Florida. The JSOU mission is to educate SOF executive, senior, and intermediate leaders and selected other national and international security decision makers, both military and civilian, through teaching, outreach, and research in the science and art of joint special operations. JSOU provides education to the men and women of SOF and to those who enable the SOF mission in a joint and interagency environment.
JSOU conducts research through its Strategic Studies Department where effort centers upon the USSOCOM and United States SOF missions: USSOCOM mission. USSOCOM provides fully capable and enabled SOF to defend the nation's interests in an environment characterized by irregular warfare.
Table of Contents:
Foreword ............................................................................... ix
About the Author ................................................................... xi
Yemen: A Different Political Paradigm in Context ................... 1
1.Yemen, the Pre-Islamic Era to 1500 ..................................... 7
2.Yemen and the Age of Empires, 1500 to 1918 ................... 17
3.Yemen, Old Paradigms and New Realities ......................... 25
4. Setting the Stage,Yemen 1953 to 1962 ............................. 35
5. The Yemens' Post-Emanate 1962 to 1979 .......................... 45
6. The Sale Regime, Survival and Self-Interest ..................... 59
7. Yemen, a Nation-State? ..................................................... 69
8. Conclusion, U.S. Interests and the Yemens ........................ 89
Endnotes ............................................................................ 105
This text is a sweeping study of Yemen's historical legacy and its current social, economic, and political systems is essential reading for all who would seek to understand the challenges to U.S. security interests in southern Arabia and reassess current U.S. strategy in light of recent turmoil there.
Product Details
- Barrett, Roby C.
- JSOU Report 11 3
- Yemen
- Different Political Paradigm in Context


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We are biased, admit the stars of BBC News
Last updated at 21:11pm on 21st October 2006
It was the day that a host of BBC executives and star presenters admitted what critics have been telling them for years: the BBC is dominated by trendy, Left-leaning liberals who are biased against Christianity and in favour of multiculturalism.
A leaked account of an 'impartiality summit' called by BBC chairman Michael Grade, is certain to lead to a new row about the BBC and its reporting on key issues, especially concerning Muslims and the war on terror. It reveals that executives would let the Bible be thrown into a dustbin on a TV comedy show, but not the Koran, and that they would broadcast an interview with Osama Bin Laden if given the opportunity. Further, it discloses that the BBC's 'diversity tsar', wants Muslim women newsreaders to be allowed to wear veils when on air. At the secret meeting in London last month, which was hosted by veteran broadcaster Sue Lawley, BBC executives admitted the corporation is dominated by homosexuals and people from ethnic minorities, deliberately promotes multiculturalism, is anti-American, anti-countryside and more sensitive to the feelings of Muslims than Christians. One veteran BBC executive said: 'There was widespread acknowledgement that we may have gone too far in the direction of political correctness. 'Unfortunately, much of it is so deeply embedded in the BBC's culture, that it is very hard to change it.' In one of a series of discussions, executives were asked to rule on how they would react if the controversial comedian Sacha Baron Cohen ) known for his offensive characters Ali G and Borat – was a guest on the programme Room 101. On the show, celebrities are invited to throw their pet hates into a dustbin and it was imagined that Baron Cohen chose some kosher food, the Archbishop of Canterbury, a Bible and the Koran. Nearly everyone at the summit, including the show's actual producer and the BBC's head of drama, Alan Yentob, agreed they could all be thrown into the bin, except the Koran for fear of offending Muslims. In a debate on whether the BBC should interview Osama Bin Laden if he approached them, it was decided the Al Qaeda leader would be given a platform to explain his views. And the BBC's 'diversity tsar', Mary Fitzpatrick, said women newsreaders should be able to wear whatever they wanted while on TV, including veils. Ms Fitzpatrick spoke out after criticism was raised at the summit of TV newsreader Fiona Bruce, who recently wore on air a necklace with a cross. The full account of the meeting shows how senior BBC figures queued up to lambast their employer. Political pundit Andrew Marr said: 'The BBC is not impartial or neutral. It's a publicly funded, urban organisation with an abnormally large number of young people, ethnic minorities and gay people. It has a liberal bias not so much a party-political bias. It is better expressed as a cultural liberal bias.' Washington correspondent Justin Webb said that the BBC is so biased against America that deputy director general Mark Byford had secretly agreed to help him to 'correct', it in his reports. Webb added that the BBC treated America with scorn and derision and gave it 'no moral weight'. Former BBC business editor Jeff Randall said he complained to a 'very senior news executive', about the BBC's pro-multicultural stance but was given the reply: 'The BBC is not neutral in multiculturalism: it believes in it and it promotes it.' Randall also told how he once wore Union Jack cufflinks to work but was rebuked with: 'You can't do that, that's like the National Front!' Quoting a George Orwell observation, Randall said that the BBC was full of intellectuals who 'would rather steal from a poor box than stand to attention during God Save The King'. There was another heated debate when the summit discussed whether the BBC was too sensitive about criticising black families for failing to take responsibility for their children. Head of news Helen Boaden disclosed that a Radio 4 programme which blamed black youths at a young offenders', institution for bullying white inmates faced the axe until she stepped in. But Ms Fitzpatrick, who has said that the BBC should not use white reporters in non-white countries, argued it had a duty to 'contextualise' why black youngsters behaved in such a way. Andrew Marr told The Mail on Sunday last night: 'The BBC must always try to reflect Britain, which is mostly a provincial, middle-of-the-road country. Britain is not a mirror image of the BBC or the people who work for it.'

subset: commoncrawl


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Is There a Vacancy in Your Portfolio?Sheaff Briefs Editor
As markets have become more unpredictable, investors have begun to seek assets that are less correlated with traditional stock, bond, and cash holdings. While owning real estate has always been one way to diversify assets, direct ownership of property has two big challenges:
- as an investment, real estate is illiquid;
- maintaining property can be expensive and time consuming.
Since 1960, however, as Sheaff Brock Director Jim Murphy explains, REITs (Real Estate Investment Trusts) have allowed investors the best of both worlds, offering:
- the non-correlation of alternative investments
- the liquidity of the stock and bond markets
- a source of regular income (by paying out 90% of the REITs taxable income in the form of dividends)
REITs are "indirect" investments in portfolios of real estate properties. As Investopedia points out, "Real estate investment trusts are historically one of the best-performing asset classes available." From the beginning, there have been five basic REIT types:
- Retail REITs – these typically invest in shopping malls
- Residential REITs – apartment buildings and manufactured housing
- Healthcare REITs – hospitals, medical centers, nursing facilities, and retirement homes
- Office REITs – office buildings with long-term leases
- Mortgage REITs – these own the mortgages rather than the buildings themselves
Now, the REIT industry has begun to branch out and includes a number of specialty categories, such as storage facilities.
Ever on the alert for opportunities to help clients achieve financial goals through investing, Jim Murphy informs our SheaffBriefs editor, Sheaff Brock is in the process of rolling out its new REIT portfolio. Director Murphy cites three basic reasons investors might consider filling the "vacancy" in their asset mix:
- REITs can help investors diversify their income stream.
- REITs' have typically offered higher risk-adjusted performance than small-cap value stocks and the broad stock market
- REITs can be a great diversifier in an existing portfolio of stocks and bonds
Most of us are used to the saying "Location, location, location" when describing real estate, Jim Murphy reminds investors. Murphy believes it's "Allocation, allocation, allocation" when it comes to including real estate in a portfolio.
So, Jim asks, is there possibly a vacancy in your portfolio?


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About Tallman Medical Spa
Welcome to Tallman Medical Spa in Billings, Montana. We are a true medical spa, where the medical treatments and the spa experience come together. Dr. Philip Tallman, a board certified dermatologist, has been performing aesthetic/cosmetic laser treatments since 1994. When he saw the high demand for these treatments, he decided to expand his practice in order to offer his patients more treatment options with a higher quality of customer service. Our spa opened in October 2005 as an extension to Dr. Tallman's thriving dermatology practice.
Our mission at Tallman Medical Spa is to maintain an atmosphere of compassionate attention, professionalism, and excellence in care. We focus on educating our clients in maintaining healthy skin and treating and preventing the signs of aging. We strive to do this through offering the most advanced technologies and through promoting the highest quality of skincare products, as well as providing the best therapeutic and aesthetic services available.
Tallman Medical Spa is a relaxing place where you can get the full spectrum of cosmetic products and medical spa treatments in a results-oriented, professionally supervised environment.


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CHICAGO — Hip-hop artist Kanye West returned to his hometown Thursday amid thunderous applause and 3,000 teenagers chanting his name during a private concert for Chicago public school students who improved their grades and attendance.
The event was put on by The Kanye West Foundation, a nonprofit working to decrease dropout rates and improve literacy. The organization was co-founded by his mother, Donda West, who died in November 2007. She had worked in higher education for 31 years.
Before the concert began, Kanye West said he sees his mother's "dream coming true." The Grammy Award-winning artist acknowledged that they didn't always agree, noting she wasn't fond of his first album's title, 2004's "College Dropout." His three later albums reached platinum status.
The concert was the foundation's first event since his mother died.
Shortly before taking the stage at the Chicago Theatre, he had a message for students: "Take every opportunity you have to make your life as successful as possible."
Chicago has a nearly 50 percent dropout rate. Foundation CEO Joseph Collins and school district officials said the concert could help reduce those numbers by raising awareness and getting students motivated. A concert held later Thursday benefited the foundation.
Students from six high schools attended the concert, which was "all the buzz" a day earlier, said Chicago Public Schools chief Ron Huberman. He said the students were "heroes" at their schools, and thanked West for his performance.
Marvin Brown, a 16-year-old student at Paul Robeson High School, said when he saw the poster for the concert three weeks ago, he immediately started working toward earning a seat.
"I applied myself and worked hard," he said. "I'm just so happy to see Kanye West!"
© 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Since April, WORDUP PR has been advising the Krieger + Schramm Bauunternehmung, headquartered in Dingelstädt ((www.krieger-schramm.de). Residential building construction and energy efficiency are the central themes of the medium-sized traditional company with around 100 employees, which has already been successfully operating on the market since 1992 and has so far been particularly noticeable in the Hessian region through innovative construction projects. Krieger + Schramm hosted the realization of the Dynahaus, a state-of-the-art energy storage plus house ((www.dynahaus.de). A Dynahaus produces more energy than a family of four on average consumed in the year, this was scientifically confirmed by the TU Munich in an extensive long-term study. Further partners in the project, which has already been realized in the form of model houses in Lohfelden near Kassel and Hallbergmoos near Munich, are the University of Kassel, BMW Group, SMA, Stiebel Eltron, IBHauser and Apollon Solar.
In addition to the presentation of the research results of the Dynahaus project, a special highlight of the PR support will also be the personal consultation of Managing Director Matthias Krieger in the field of public performances. Matthias Krieger, a former professional sportsman and his company has already won several awards for the best employer of the year, is the author of numerous books on corporate succession and motivation. He regularly impresses with great events as a leading lecture speaker (www.matthiaskrieger.de). The proceeds from his lecture events will benefit the Dagmar + Matthias Krieger Foundation, which supports projects in the field of sport, culture and education for young people (www.krieger-stiftung.de).


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From Vieste it is easy to take a ferry to the Tremiti Islands. About 12 miles from the northern Gargano coastline, it is one of the most beautiful Marine Reserves in the world. An unmissable day out to see the beautiful islands' many sea caves, extraordinary ocean floors and a precious historic and architectural heritage.
Contact us
Litoranea Vieste - Peschici Km 5
P.O.Box259/ Cap.71019, Vieste-Gargano
Tel.: +39 0884 706472 - 701430
Fax: +39 0884 705558
e-mail: firstname.lastname@example.com
Keep in touch
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Editor's note: For more in-depth insights into navigating 280E, check out Cannabis Dispensary's free webinar at bit.ly/CD_280E
Cocaine dealers can't claim deductions on their year-end tax forms—that should be a no-brainer.
Unfortunately, the same holds true for cannabis companies. Section 280E of the Internal Revenue Code, enacted by Congress in 1982, states that deductions and credits are not allowed for any expenses paid during the tax year for business activities that involve the sale of controlled substances, which includes cannabis.
Until the federal government removes cannabis from the list of Schedule I substances, cultivators will need to find other ways to reduce their tax burdens. Below is a recap of some key points addressed by Rachel Gillette, partner and chair of Greenspoon Marder's Cannabis Law Practice, and Dean Guske, CPA, Dean Guske & Co. Inc., during a panel discussion at the 2019 Cannabis Conference.
1. Keep a good accounting system.
"If you don't have a good accounting system, you're not going to be successful in trying to ... maximize your deductions," Guske says. 280E has less of an impact on growers than it does on retailers, he says. "The vast majority of your expenditures incurred that go into that product are direct expenses, and they go right into the cost of goods sold, [which are allowable deductions under 280E]. Compare that to a retailer ... the vast majority of their expenditures are selling expenses, and selling expenses are not qualified to go into cost of goods sold."
2. Understand how 280E impacts your business.
[Cannabis business owners] "need to know in real time what is going to be a disallowed expense that they are potentially going to have to pay tax on, because one of the worst things that can happen to a cannabis business is come Tax Day, April 15, they do not have their correct amount of estimated taxes that have been paid or they do not have enough money set aside to pay their tax bill," Gillette says. "That happens very, very often, and oftentimes, it happens as a result of cannabis business owners not knowing what their disallowed expenses are or the dollar amount of their disallowed expenses, and therefore, the taxes due based on disallowed expenses at the end of the tax year. So, it becomes a big surprise, and they haven't planned accordingly. That is the biggest problem that I see that faces especially smaller businesses in this industry."
3. Be honest.
Cultivators should track all inventory and be mindful of potential penalties. "If you fail to report your income by 20% or more, you're going to get a substantial understatement penalty," Gillette says. "It is a huge penalty. So … you need to make sure you're reporting all your income correctly."
4. Hire a bookkeeper.
"I need to be able to see [the expenses] to prepare a tax return," Guske says. "If the inputs are terrible, ... I'm going to give you a call [and say] what's this? What went in here? All those sorts of things that I need to be able to file an accurate tax return. So get yourself a bookkeeper. Pay for it; it's worth it."
5. Understand corporate business structures.
S corporation, C corporation or LLC? That's a question many cannabis companies must answer for themselves to minimize their tax burden. It's a complex decision that may require outside consultation to make the best decision. For instance, there are situations where a company would not want to be an S corp vs. an LLC. A cultivator with multiple partners who are operating different parts of the business, such as accounting, sales and cultivation, may not want to be an S corp because all three owners would be required to pay themselves a reasonable salary, Guske says. The salesperson and administrator/accounting salaries are non-deductible to the S corp; the employee-owners, however, must claim the salaries as income and pay taxes on it, so the owners are paying taxes twice on the same dollars. "If you just elected to be an LLC, there's not a requirement for us to pay ourselves a salary at all," Guske says.


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Americans are watching with a growing sense of dread as our nation's debt levels continue to spiral out of control. In just 15 short years, we've gone from budget surpluses to more than $15 trillion of debt. What's worse, the federal government doesn't show any signs of righting the ship.
Today, the federal government spends 76% of the federal budget on just four things: Medicare, Medicaid, Social Security and interest on the national debt. Absent serious efforts on the part of Congress, those costs are set to climb to 92% of the federal budget by the year 2020.1
This huge increase will be fueled in large part by the exodus of our nation's 78 million baby boomers out of the work force and on to the rolls of our entitlement programs. In order to offset these costs, tax rates would have to rise dramatically.2 In fact, David Walker, a former federal comptroller general, has calculated that taxes would have to double immediately in order to sustain our ever-increasing debt load.3
In response to these dire warnings, many Americans have turned to tax-free accumulation tools as a means of protecting their retirement assets from the impact of rising taxes. For many, a well-balanced approach to tax-free retirement planning may include the use of a life insurance retirement plan, or L.I.R.P.
Take our quiz: L.I.R.P. or Roth IRA — Which is Better For Your Client?
The L.I.R.P. advantage
A L.I.R.P. is an accumulation tool that shares many of the tax-free attributes of traditional retirement accounts, such as the Roth IRA. Not only are distributions 100% tax-free, but they also do not contribute to the income thresholds that trigger the taxation of Social Security. When utilized properly, the L.I.R.P. has additional attributes that make it a surprisingly attractive alternative for tax-free retirement accumulation.
No income restrictions: When I meet with clients, I often ask them, "Can Bill Gates contribute to a Roth IRA?" The answer, of course, is no. His income far exceeds the $173,000 threshold at which Roth IRA contributions are phased out. I then ask, "Can my children contribute to Roth IRAs?" The answer, again, is no. In order to contribute to a Roth IRA, you have to have earned income. My kids work; I just don't pay them! For clients who either earn too much or lack the necessary earned income to contribute to a Roth IRA (e.g., retirees), the L.I.R.P. can be a powerful alternative.
No contribution limits: Currently, the IRS restricts the amounts that can be contributed to tax-free accumulation accounts, such as the Roth IRA. In 2012, those who are under age 50 can contribute $5,000 per year, while those over 50 can contribute $6,000 per year. There are no such limitations with the L.I.R.P. For clients who are looking to reposition highly taxable assets into tax-free accounts but feel limited by the contribution limits of the Roth IRA, the L.I.R.P. can help.
No legislative risk: Because tax-free accounts cost the government billions of dollars per year, they are an ever-growing target for revenue-hungry legislators. If history serves as a model, however, the L.I.R.P. will likely be immune to the impact of tax law changes. When Congress changed the rules on the L.I.R.P. in 1982, 1984 and 1987, existing L.I.R.P. arrangements continued to be taxed under the old laws. Such grandfather clauses give the L.I.R.P. a much longer shelf-life than traditional tax-free alternatives.
Multiple accumulation strategies: Another benefit of the L.I.R.P. is the flexibility it provides in choosing how to grow dollars within the tax-free accumulation account. Clients can choose between one of three basic accumulation strategies at the outset of the program. Determining the right one for your clients will depend on their individual goals and objectives.
- Insurance company investment portfolio: Clients can opt to grow their money within the general investment portfolio of the insurance company that administers their program. Because insurance companies are in the business of managing risk, these types of returns tend to be safe but very modest. Typical returns can range anywhere from 3% to 5%.
- Stock market: Alternatively, clients can pass their contributions through insurance companies and into mutual fund portfolios called sub-accounts. While this approach can provide much higher returns, it exposes clients to the impact of severe market declines. Many Americans have steered clear of this approach in the wake of the economic collapse of 2008.
- Index: In this arrangement, clients contribute dollars to an accumulation account whose growth is linked to the upward movement of a stock market index, like the S&P 500. Clients participate in the growth of this index up to a cap, typically between 13% and 15%. On the flip side, if the index ever loses money, the account is credited zero. With back-tested historical returns of between 7% and 9%, this can be a safe but productive way to accumulate tax-free dollars for retirement.
The cost of admission
To many, the L.I.R.P. sounds like the perfect tax-free retirement tool. Some might ask, "Why not put all of our clients' money into the L.I.R.P.?" For starters, it's never a good idea to have all of your eggs in one basket. We diversify our clients' investments; we should likewise diversify their streams of tax-free income. Secondly, in exchange for nearly unlimited tax-free savings, the IRS requires that a spigot be attached to the side of the L.I.R.P. accumulation account bucket. Through this spigot flows, on a monthly basis, the cost of term life insurance. However, many life insurance companies recognize that clients approaching retirement may not have a glaring need for term life insurance. So they've done something to sweeten the pot.
Many life insurance companies now offer a provision whereby clients can access death benefit proceeds prior to death for the purpose of paying for long-term care. This is a compelling alternative to traditional long-term care insurance policies, where clients pay premiums for protection they hope they never have to use. When clients utilize the L.I.R.P. to cover long-term care risks, they do pay for it, but if they die never having needed it, their heirs still receive a tax-free death benefit.
However, unless the L.I.R.P. is structured correctly, the expenses can overwhelm the growth inside the accumulation account. In order to maximize the impact of the L.I.R.P. strategy, a client must purchase the minimum insurance required while contributing the maximum amount allowed under IRS guidelines. If properly structured, the expenses within the plan can cost as little as 1% of the annual account balance over the life of the program.4 That's less than the average annual expenses in the typical 401(k).5
The L.I.R.P. is a surprisingly flexible retirement vehicle with attributes that make it unique among tax-free accumulation tools. When utilized properly, it can play a crucial role in helping your clients insulate their assets from rising taxes while protecting them from the impact of premature death or long-term care.
- "Running the government on 8 cents," Jeanne Sahadi, CNNMoney.com, Jan. 21, 2011
- "Long-Term Economic Effects of Some Alternative Budget Policies," Congressional Budget Office, May 19, 2008, 8-9, http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf
- An equity indexed-based L.I.R.P., at preferred rates, using a minimum non-MEC face amount of $173,161, an increasing death benefit option, a $10,000 annual premium for 15 years, and an 8% rate of growth, has an internal rate of return in year 25 of 6.99%, or average annual fees of 1.01%.
- "Commentary: Why your taxes could double," David M. Walker, CNNMoney.com, June 15, 2009
- "Are fees draining your 401(k) retirement savings?," Christine Dugas, USA Today, Aug. 25, 2009
For more on retirement plans, see:
It's Friday. Do You Know Where Your Retirement Plan Is?
American Express: Retirement Concerns Among Small Business Owners Dips Sharply


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Memorial Hermann to pay $2.4M after sharing patient name in press release
Memorial Hermann Health System has agreed to pay a $2.4 million fine and adopt a corrective action plan after being accused by the federal government of improperly disclosing a patient's name to news media in 2015.
The settlement announced Wednesday by the U.S. Department of Health and Human Services stems from a September 2015 incident that drew national press attention and sparked an uproar among immigrant rights activists.
It began when Blanca Borrego, a 44-year-old woman from Mexico who had been living in the United States illegally for more than a decade, presented a fake Texas driver's license when she checked in for an appointment at a Kingwood-area gynecologist's office.
Memorial Hermann staff reported the suspected forgery to the Harris County Sheriff's Office; deputies arrived at the office more than an hour later and arrested Borrego, taking her away in handcuffs in front of her two daughters.
HHS began to investigate after news accounts reported the incident as a possible violation of Borrego's patient privacy rights. The agency ultimately concluded that the controversial disclosure of her information to law enforcement officials was allowed under federal law.
However, in the days following the incident, as Memorial Hermann administrators sought to assuage protestors, the health system included Borrego's name, without her consent, in a news release defending its actions.
That disclosure appeared to violate the Health Insurance Portability and Accountability Act, better known as HIPAA, HHS officials said in the announcement Wednesday.
'Follow the rules'
Linn Freedman, a Rhode Island-based lawyer specializing in medical privacy, said the case serves as a lesson for health care providers responding to a public relations crisis: Just because a patient's name has been shared widely in the press, Freedman said, does not mean a health care provider can do the same.
"The entity still has to follow the rules that apply to it, which is the privacy rule under HIPAA," she said.
Borrego's name first became public a week after the incident when her lawyer shared the story with a reporter for the Houston Press. Under federal law, Memorial Hermann staff would have needed Borrego to sign a consent form before responding to specific questions about the incident.
"That's obviously a frustration for health care entities, but it's reality," Freedman said.
A Memorial Hermann spokeswoman declined comment for this story.
Under the settlement announced Wednesday, the health system admitted to no wrongdoing while agreeing to pay the $2.4 million fine and implement a series of internal policy changes to prevent future privacy breaches.
The fine paid to HHS will be used to fund future HIPAA enforcement by the agency. None of the money goes to Borrego.
The 2015 incident drew attention from both sides of the immigration debate: Activists staged a series of protests and raised money to pay for Borrego's legal defense. Gov. Greg Abbott, meanwhile, cited the incident on Twitter as an example of the state rightly cracking down on illegal immigration.
Woman pleaded guilty
Memorial Hermann defended itself at the time - including in the news release that led to the settlement - arguing that it is not system policy to ask about a patient's immigration status and that staff only had contacted authorities to confirm Borrego's identity.
Six months after her arrest, Borrego pleaded guilty to possessing a fictitious driver's license in exchange for a reduced sentence of 40 hours community service and a $200 fine, according to court documents.
Her lawyer, Clarissa Guajardo, said Wednesday that the criminal conviction puts her client at heightened risk of deportation now and in the future.
"She's got a record now," Guajardo said. "This is a law-abiding woman who's been here for many years, and she's suffered unnecessarily because she tried to see her doctor."


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Birding Festival Returns to Great Bend in 2017
GREAT BEND – The 2017 Wings 'N' Wetlands Birding Festival is scheduled for April 28-29 in Great Bend and will offer participants a unique opportunity to view birds at two of the best birding spots in the Central Flyway – Cheyenne Bottoms Wildlife Area and Quivira National Wildlife Refuge. Held every other year since 2001, the Wings 'N' Wetlands Festival is open to both novice and experienced birders.
"The main focus of the festival is getting participants out on fieldtrips with experienced guides to find as many bird species as we can," said Curtis Wolf, Kansas Wetlands Education Center (KWEC) site manager. "We are excited to be able to bring a diverse crowd of birders into the area to experience our wetlands as well as our area communities."
Beyond the great guided birding trips, the two-day festival also includes a shorebird identification workshop, relaxing social time, a presentation by renowned birder and photographer Bob Gress, and opportunities to experience area attractions along the Wetlands and Wildlife National Scenic Byway. Participants can also sign up for additional birding field trips, including night birding and greater prairie chicken lek tours. The 2017 festival will be headquartered out of the Best Western Angus Inn Courtyard in Great Bend.
Cheyenne Bottoms Wildlife Area and Quivira National Wildlife Refuge are two Wetlands of International Importance and provide thousands of birds a stopover along their North and South migration routes. The festival dates coincide with the historical peak of shorebird migration, providing opportunities to see sandpipers, plovers, wading birds, and waterfowl. Approximately 180 species of birds have been recorded during most previous festivals. Notable species that may be observed are black rails, snowy and piping plovers, and least terns.
The festival is coordinated as an event of the Kansas Birding Festival, Inc. and is made possible by numerous organizations, including the KWEC, Kansas Department of Wildlife, Parks and Tourism, The Nature Conservancy, and the Great Bend Convention and Visitors Bureau. For more information, and to register, visit kansasbirdingfestival.org or contact the KWEC at 1-877-243-9268.


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And did we mention historic villages, quaint churches, great reception venues, a full range of wedding service providers, fabulous food and wine, every accommodation option imaginable, and one of the most temperate climates in Australia? Access to this paradise is as easy as taking the Princes Highway out of Sydney as you head off on your exploration of the glorious New South Wales' South Coast.
This fabulous destination wedding location is divided into several equally divine regions: the vibrant, bustling Wollongong area, Kiama, Shellharbour, sparkling Jervis Bay, Shoalhaven and the delightful towns of Nowra, Mollymook and Ulladulla, Batemans Bay and the Eurobodalla, and at the South Coast's southernmost tip, the beauty of the Sapphire Coast.
As you head south, the coastline unfolds in a series of beautiful bays and coves, dotted with historic townships known for their fine food, wines and great country markets. If you're into arts, craft and browsing for unique, or unusual treasures, you won't be disappointed. And all this is set against a hinterland of rolling hills and spectacular national parks that stretch as far as the eye can see – an ancient green canopy that shelters creatures both great and small.
Amid all this South Coast charm, you'll discover a diverse selection of venues: from beachside country clubs, historic churches and heritage listed homesteads, to fantastic function centres and boutique hotels. Many venues offer wedding packages and superb in-house catering options that make the very best of the region's excellent fresh produce, wines and succulent seafood. And as for your guests, they'll have more than enough to keep them pleasurably entertained no matter what their preferences: from those who thrive in the ambience of coffee shops and cosmopolitan shopping precincts, to lovers of the outdoors who will revel in the swimming, diving, fishing and canoeing opportunities afforded by crystal clear bays, lakes and rivers, not to mention the spectacular bush walking tracks and bicycle trails.
Once you have decided upon your wedding location, call into the nearest Tourist Information Office and ask for information on local wedding service providers. It's a great way to start the search for your dream team.
The entire region is home to a wide variety of wedding specialists - from cake makers and florists, to photographers and entertainers – and many of them award winning. The only difficulty you might encounter is that you're spoilt for choice! And another hot tip: be sure to book early as these professionals are in demand by other couples who have also fallen under the South Coast's magical spell.
If you decide to escape to your South Coast haven for a few days of pre-wedding pampering, there's no shortage of essential services. Day spas, hairstylists, beauty therapists and make-up artists are all nearby.
The South Coast also makes an ideal honeymoon location. Spend your days lazing on the beach, enjoying picnics in secluded hideaways, exploring the National Parks, and visiting the region's many quaint villages.
If your dream honeymoon includes great shopping and a vibrant nightlife, you will find all this and more in cosmopolitan Wollongong, the State's third largest city, renowned for its fine food and wine, and unlimited entertainment and recreational opportunities.
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The Aam Aadmi Party's national Facebook page reach recently crossed 150 million users (15 crores). This is not new. We have been the biggest political social media page in the world at regular intervals, beating the US Democrats, Pakistan's Tehreek-e-Insaaf and PSDB. Our audience is several times larger than the readership of many large Indian national dailies combined. It is also solely run by volunteer contributors who aren't paid any monthly salary. The silent media revolution is here and no one seems to have noticed.
Why is this happening?
Facebook and WhatsApp are emerging as the primary sources of media consumption for millions of Indians, and a silent media revolution is underway. It is taking place right under the nose of the mainstream media of India.
More than 7 million people on various AAP Facebook pages watched Arvind Kejriwal's speech about the Sahara/Birla diaries. Has this issue been fairly covered in the mainstream media...?
An increase in Facebook reach, for example, happens only when many people support your post or view by endorsing it publicly and aggressively. Engagement metrics like Likes, Shares, Comments and Forwards are used to measure impact.
Like any other media organisation, AAP's social media team has developed a way to approach political stories. We first ensure accuracy, fact-check, verify using third-party sources, consider legal and political ramifications and take editorial calls on content on a daily basis. All of this is orchestrated through a small group of passionate unpaid volunteers in design, content and strategy.
The important question to address is how does an unpaid massive media organisation work at scale and why are we growing?
There are 3 major reasons.
First, you need a communicator whose message is simple, effective and honest. In AAP's case, it is Arvind Kejriwal.
Second, you need a base, a core set of people who believe in the communicator (leader) and the organisation's message and will become your influencers. AAP's youth and lack of ideological or historical baggage helps us identify ourselves with all cross-sections of society and doesn't restrict our communication to any particular "vote bank" based on caste, creed, religion, language, gender or region. Our revolution now spreads from Delhi to Punjab, Goa and Gujarat—three completely dissimilar states on any dimension of identity—which shows the party's appeal across the country.
Thirdly, it is necessary to be innovative and aggressive, and make sure that the base grows.
AAP checks all three boxes. But there's more to it.
What's pushing people away from mainstream media?
People are opting out of mainstream media for their news. The mainstream media in India is experiencing an implosion and doesn't seem to be prepared for the disruption that is social media.
Let's take an example. More than 7 million people watched Arvind Kejriwal's speech in the Vidhan Sabha about Sahara/Birla diaries on various AAP Facebook pages. Has this issue been fairly covered in the mainstream media debates or well, even covered? If not, then who is out of touch with the citizens at large? The online media platforms that covered it got tremendous jumps in their readership.
This reality of today's media and the contrasting personalisation of digital channels are getting citizens to shift their preferences to alternate media. Punjab and Goa, where we will fight elections in a month, are two excellent examples of this change.
Brilliant journalists who ask the right questions lose out to uninspired stenographers. Speaking truth to power has given way to being a prisoner of profit.
Alternate media in Punjab is being fuelled by millions of videos being shared daily via WhatsApp, Facebook and YouTube. Good orators with selfie videos dominate and they are creating content, stimulating debates and reaching digital screens of different sizes across India.
Likewise, in Goa, more than 600,000 voters are active Facebook users. Content is being locally created and served, without a profit motive. Democratisation of our media has begun with social platforms empowering people to share their stories and impact the mainstream debate.
All this is a direct threat to the business model and purpose of a TV studio, a newspaper or news desk. Given the structural constraints and cost-lines that the mainstream media faces, they must realise that fiery graphics, hash-tags, propaganda or stenography are not the solution.
Where do we go from here?
Is this slow death of political mainstream media good for democracy? I think not.
Investigative journalism, asking hard questions that make politicians go "bas dosti bani rahe", deep dive exposés of corruption, asking the questions that the citizen wants to ask and speaking truth to power are the responsibility of the fourth estate, which is essential for any well functioning society. However, the mainstream media could do better to prepare for this explosive future.
The mainstream media needs to remind itself that great content is great business. Advertisements aren't the only source of revenue. The Indian Express gained circulation tremendously when it spoke truth to power during the Emergency in 1975-77. Grovelling when you're not asked to bend is not only amoral but also terrible for business.
People want stories about them, their area, government and society. They don't want old recycled stories, propaganda or Delhi stories which sometimes feel like the only kind of news that exists. The maddening focus on Delhi and its politics irritates many. Why is the Northeast covered like it is the United Nations? Why is Tamil Nadu news only when its capital drowns or when a greatly loved politician passes away? The mainstream media needs to answer this question with honesty and fix it.
India, that is Bharat, is not interested in Lutyens' gossip or propaganda. They want news and analysis told in interesting formats and hate being served brainless news.
India, that is Bharat, is not interested in Lutyens' gossip or propaganda. They want news and analysis told in interesting formats and hate being served brainless news.
Finally, in our two years in politics, we have heard umpteen tales of pressure on management, editors, journalists and beat reporters. However, many confuse independence with neutrality and don't call a spade a spade, or do so in a rather selective manner.
The media and its business is under threat. Brilliant journalists who ask the right questions lose out to uninspired stenographers. Conscientious editors lose out to management. Speaking truth to power has given way to being a prisoner of profit.
At the same time, digital and social media is generating content by the minute, has cheaper advertising and found innovative methods to engage citizens directly
In this reality, the mainstream media needs to evolve its format, delivery, content, style, method and process of finding, analysing and disseminating news. Because, if it doesn't, the silent media revolution lead by cheap digital and social media is already here and is ready to take over.


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Cahuzac triggers French 'democratic earthquake'Comments
The Cahuzac affair first saw the light of day at Mediapart, an online newspaper.
At the beginning of December it published the transcript of a four minute recording of someone it said was Jérôme Cahuzac saying: "What annoys me is that I still have an account open at UBS, but there's nothing left in it is there? The only way to close it is to go there."
Our Paris correspondent Giovanni Magi caught up with one of the founders of Mediapart for more on the story.
Edwy Plenel told euronews the most important aspect of the scandal is the impact on French democracy.
"What is unprecedented is the democratic earthquake that has been set-off by this scandal. It is not the most serious scandal of recent times – Bettencourt, Karachi, Takédine, Sarkozy, Gadaffi are much more significant in terms of exploiting the justice system, the amount of money, arms trafficking – they are much more serious which weighed heavily on the old conservative right-wing majority.
"What's new here is the democratic earthquake, because the political class – all sides mixed together – and an element of the media went along with Jérome Cahuzac in his lie.
"For three-and-a-half months, Mediapart was alone, even while the facts were on the table – the facts revealed by Mediapart on the 4th and 5th of December, 2012.
"And today we see this almost oligarchic world, somewhere between politics, money and the media which has gone along with the lies of Mr Cahuzac, and everyone has discovered that the head of the tax department was himself a fraudster. So all French people understand that this is a scandal of public virtue and public morals."
Euronews asked if this was a severe blow for the image of the "irreproachable Republic"?
Plenel's replied: "Quite simply, it's a serious blow for the Republic. It shows that France is a low-grade democracy. There are scandals in all of our countries, and sometimes there are corrupt politicians.
"A living democracy is one where you can not only make revelations, but where once something is revealed, the opposition swings into action and makes sure that justice prevails and sanctions are imposed.
"From day one of these Mediapart revelations, Mr Cahuzac should have left government, not use it to protect himself. He has the right to defend himself, but not to make hostages of his political family, the government, of the current majority, and not to take the State itself hostage by using the services of the State to protect himself.
"It's that which has been dramatic in all this, and today we are paying the price. And we'll have to respond to that with a big democratic jolt."


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Lily Allen's "Air Balloon" Video: Watch
Lily Allen was all about that promo Thursday (February 6). In addition to premiering her fizzy Girls soundtrack cut "L8 CMMR," the British pop star unveiled the video for her forthcoming album's second single, "Air Balloon." And while the only way this visual could match the impact of her controversial "Hard Out Here" clip would be if it were, like, a full-on sex tape, it's still an interesting release.
The bulk of the video takes place in a field with Allen looking like a Coachella rave girl. And while there are no air balloons, nor any regular balloons, That Go's inventive camerawork makes the whole affair feel weightless. And then… things get weird. Like, human-sized mushrooms and a giant floating crucifix weird.
Check it out up top.
Get an eyeful of even more pop music coverage, from artist interviews to exclusive performances, on Idolator's YouTube channel.


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There was a lot of excitement on track this weekend at Lucas Oil Raceway (LOR) with the ARCA Racing Series presented by Menards, the NASCAR Camping World Truck and Nationwide Series taking to the smaller Indianapolis track.
The ARCA Racing Series kicked off the weekend's racing on Thursday, when Ty Dillon, who won the 2010 Kansas Speedway ARCA race, held off a charging Ryan Blaney to earn his sixth ARCA Series victory of the season. The 19-year old led 71 laps during the racing action at LOR and currently leads Frank Kimmel by 360 points in the standings.
The NASCAR Camping World Truck Series took to LOR for the final time Friday night when Timothy Peters secured the third win of his career. Peters started 16th the farthest back a driver has ever started the event and won. The Virginia native beat James Buescher and David Starr to the finish line for the victory.
2010 O'Reilly Auto Parts 250 winner Johnny Sauter leads the truck series points by four points over Austin Dillon, who won the pole for this year's O'Reilly Auto Parts 250 at Kansas Speedway.
When the NASCAR Nationwide Series took to the track at LOR for the final time this past weekend, STP 400 at Kansas Speedway winner Brad Keselowski earned his second Nationwide Series victory of 2011. The defending Series champion passed Ricky Stenhouse Jr. who had dominated the race, with seven laps remaining; Stenhouse was passed by James Buescher for second.
Stenhouse is currently second in the Nationwide Series point standings after his third place finish at LOR, he sits five points behind leader Reed Sorenson.
Fans will have the opportunity to watch the ARCA Racing Series presented by Menards in action at Kansas Speedway in the Kansas Lottery 98.9 under the lights on October 7 and the NASCAR Nationwide Series will be in action at Kansas Speedway on October 8, along with the NASCAR Sprint Cup Series in the Hollywood Casino 400 at Kansas Speedway on Oct. 9. Tickets for all events are on sale now by calling 866.460.RACE (7223) or by logging onto www.kansasspeedway.com.


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Home Inspection Experts
Purchasing a home is one of the biggest financial investments most people ever make in a lifetime, but fear not, ProTec Inspection Services is here to help. With tried-and-true specialty and home inspection services, ProTec will help bring you peace of mind during the buying process. Contact us today at (301) 972-8531 to speak with one of our home inspectors or schedule an inspection online.
Family-owned ProTec Inspection Services has been protecting homes and families since 1986 with high-quality home inspections in Washington, D.C. With over 27,000 inspections completed, ProTec provides customers with peace of mind to move forward with purchasing a home that is safe and secure.
ProTec Inspection Services
Our ASHI and InterNACHI certified home inspectors are trained to identify problem areas and provide guidance on what needs immediate attention. A standard home inspection includes a full evaluation of all of the following:
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A typed 20-40 page comprehensive report is provided within 24 hours of the home inspection with pictures of problems along with recommendations to resolve the issues. For even further targeted review, consider bundling this home assessment with our specialty inspections, addressing mold, radon, termites, and more for your Washington D.C. property.
*Inspectors will walk the roof on a case by case basis depending on the pitch and access conditions. If inspectors are not able to physically walk on the roof, they will inspect from the ground using binoculars and from within the attic. All home inspectors are equipped with a 14 ft ladder. A larger ladder may be requested during scheduling for an additional fee.
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Our extensive experience inspecting large commercial buildings uniquely qualifies us to inspect even the largest of homes with ease. Some may believe that if a licensed inspector knows how to inspect an average, typical home that they are also capable of inspecting any type, size, or age of property. This can be a costly misconception. It is important to choose an inspector whose skill set matches the complexity of the home. Systems commonly found in estate homes are typically more complicated than most inspectors are capable of handling.
Due to the sheer magnitude of these types of properties and the extent to which they are customized, the need for an inspection by a team of luxury home specialists is imperative. Large estate homes can pose a serious challenge to an inspector who does not encounter these unique system designs on a daily basis. ProTec uses the team approach to ensure that larger homes can be broken down into manageable pieces.
New Construction Inspections
for Added Confidence at Each Stage of the Building Process
Be sure to ask about our New Home Package Discount Options!
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During a Pre-Drywall Inspection, we are looking for problems that will be hidden once the drywall goes up. Use ProTec's report as evidence of defects the builder should repair before the insulation and drywall is installed.
What types of problems will my inspector find?
- Damaged, Moldy, or Improperly Cut Lumber
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Final Walk-Through Inspections
Gain piece-of-mind before moving into your new home! We will be testing and observing the finished product for proper installation and performance.
Refer to ProTec's report for guidance during your Builder Final Walk-Through. We believe that forewarned is forearmed.
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Don't get stuck with undetected problems that your builder should correct! Call ProTec before your One-Year Builder's Warranty Expires. Identify defects now with an independent third party inspection that documents problems you've encountered since moving in, as well as others you may not yet be aware of.
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PreListing inspections can lead to more buyers, better buyers, and more successful sales.
Home inspections take place in 90% or more of home sales today. Conducting the inspection ahead of time and with your choice of inspector provides benefits to you in a number of ways:
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Re-Checks– Want confirmation that the items negotiated in your contract have been taken care of by the other party? Give our scheduling team a list of items you want re-checked and we will send your inspector back to the property to document whether or not the repairs have been made.
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- After your home inspection, your personal Home Assistant will contact you to help with your move-in needs.
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Jury selection is the procedure whereby persons from the community are called to court, questioned by the litigants as to their qualifications to serve as a juror and then either selected to or rejected to serve as a juror.
In Rhode Island, a person is liable to serve as a juror if the person is[i]:
- A citizen of the U.S.; at least eighteen years of age and a resident of Rhode Island.
- Resides in the county where the person is registered to vote; licensed to operate a motor vehicle within this state; or possesses a Rhode Island identification card, an individual filing a state income tax return; or an individual recipient of unemployment compensation.
There are some disqualifications to serve as a juror. They are[ii]:
- If a person has been lawfully adjudicated to be non compos mentis,
- If the person has been convicted of felony.
The jury commissioner with the approval of the presiding justice of the superior court, select jurors from the registered voters by means of the use of electronic data processing equipment. The jury commissioner will supervise that neither the jury commissioner nor the machine operator of the device shall be able to determine any name until the name has actually been drawn. After drawing, a list will be prepared by randomly mixing the names drawn[iii].
The jury commissioner, either personally or by assistant will investigate the names of all persons drawn. The investigation can be made by the mailing of questionnaires or other written inquiries deemed by the jury commissioner to be appropriate. If the jury commissioner considers further investigation to be necessary, the investigation can include a personal interview by the jury commissioner or by one of the appointed assistants.
Juries in civil cases will be composed of six persons and such alternate jurors as can be called by the court. The jury commissioner will make lists of all grand and petit jurors for each town. S/he will preserve a full record of the investigation, which will not be disclosed to any person except by order of a justice of the superior court, or by order of the chief judge or associate justice of the family court. However, no rejection of a juror by the jury commissioner is final until it has been approved by a justice of the superior court. A justice of the family court who has been appointed by the chief judge for the purpose of considering the recommendations of the jury commissioner concerning the fitness of jurors can also reject jurors.
Any person aggrieved by the decision of the jury commissioner can appeal to the superior court; sitting without a jury, within one year from the time when his/her name was drawn. The court will hear the appeal and order that the name be placed upon or withdrawn from the list. The decision of any justice of the superior court upon the appeal will be final.
The superior court or family court will direct notices to the jury commissioner regarding the requirement for the county or counties a certain number of grand or petit jurors and the time and place at which they are required to attend. On receiving the notice, the jury commissioner will take from the list of jurors qualified in the order in which their names appear on the jury list.
No person summoned as a petit juror will be required to serve more than two weeks in any year in which s/he may be summoned. If a juror has been tentatively selected to serve on a jury by the parties litigant and the juror has not been formally sworn and impaneled by the end of the two week period, the trial judge, in his/her discretion, can extend the two week term until the trial is concluded or until the juror is excused.
Every officer charged with a notification to any person drawn as juror, who denies serving will for each offense be fined twenty dollars. All fines incurred by jurors and persons returned or notified as jurors will be levied and collected to the use of the state by warrant of distress from the court. It is directed to the sheriff or his/her deputy of the county in which the person dwells or his/her estate is to be found.
A justice of the superior court or the family court, or the jury commissioner, can excuse a person from jury duty if s/he shows a mental or physical disability, illness, or the serious illness of some member of his/her immediate family, economic or domestic hardship, or other good cause. But s/he can be required to serve his/her term or the remainder on an emergency panel of jurors. The discretion to so excuse can be exercised by the appropriate party at any time during the selection or assignment of jurors. Juries in civil cases will be composed of six persons.
The presiding justice of the superior court and the chief judge of the family court can assign a justice of those courts or the jury commissioner for the purpose of qualifying petit jurors and dividing the petit jury panels into subpanels. The assigned justice will order the panel of petit jurors to be divided into two or more subpanels, constituting of not less than twenty five members each in criminal cases and fifteen members each in civil case.
Whenever in the opinion of the court the trial of a civil case before a jury is likely to be a protracted one, the court may, immediately after the jury is impaneled and sworn, direct the calling of one or two additional jurors, to be known as alternate jurors. They will be drawn from the same source, the same manner, have the same qualifications, as regular jurors, and be subject to same examination and challenge, except that each party shall be allowed one peremptory challenge for each alternate juror[iv].
The court will examine on oath a person who is called as a juror to know whether s/he is related to either party, has any interest in the cause, has expressed or formed an opinion, is sensible of any bias or prejudice and the party objecting to the juror can introduce any other competent evidence in support of the objection[v]. The court can permit the parties or their attorneys to conduct the examination of the person called as a juror. If court feels that the juror does not stand indifferent in the cause, another will be called in his/her stead for the trial of that cause, but counsel for either party will not be precluded from examining prospective jurors.
Either party in a civil action can challenge in writing, addressed to the clerk of the court, any qualified jurors called for the trial of the cause or proceeding, not exceeding one in three, without alleging or showing any cause. The objection will be made before the opening of the proceeding to the jury. After the objection, the challenged jurors will not sit in the trial of the cause, but other jurors will be called to take the place of the challenged jurors for the trial of the cause[vi]. The person and estate of every juror attending any court in the state will be exempt from all process in any civil action during the period of his or her attendance on the court and for three days next before the time s/he will be required to appear and for the three days next after s/he will be discharged.
[i] R.I. Gen. Laws § 9-9-1
[ii] R.I. Gen. Laws § 9-9-1.1
[iii] R.I. Gen. Laws § 9-9-14.1
[iv] R.I. Gen. Laws § 9-10-13
[v] R.I. Gen. Laws § 9-10-14
[vi] R.I. Gen. Laws § 9-10-18


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The Axia Smart Office Chairs can teach you to sit better. Sitting badly on a good ergonomic chair – is still sitting badly. That is why BMA Ergonomics attaches great importance to clear sitting instructions and good knowledge of the office chair itself. Just so you get the maximum comfort from your chair. Being aware of how you sit and your posture is another important factor? What about you? Are you sitting properly?
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text: The following reply was made to PR pkg/38877; it has been noted by GNATS. From: OBATA Akio <obache%netbsd.org@localhost> To: gnats-bugs%gnats.NetBSD.org@localhost Cc: Subject: PR/38877 CVS commit: pkgsrc/x11/xfce4-exo Date: Tue, 1 Jul 2008 13:41:08 +0000 (UTC) Module Name: pkgsrc Committed By: obache Date: Tue Jul 1 13:41:08 UTC 2008 Modified Files: pkgsrc/x11/xfce4-exo: distinfo pkgsrc/x11/xfce4-exo/patches: patch-ad Log Message: getvfsstat() of DragonFly is not compatible with NetBSD's one. Patch provided by Hasso Tepper in PR 38877. To generate a diff of this commit: cvs rdiff -r1.3 -r1.4 pkgsrc/x11/xfce4-exo/distinfo cvs rdiff -r1.3 -r1.4 pkgsrc/x11/xfce4-exo/patches/patch-ad Please note that diffs are not public domain; they are subject to the copyright notices on the relevant files.


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Daryl Gordon Photography is a family-run professional photography business with its studio in Balnarring on the Mornington Peninsula, serving both the peninsula and Melbourne's south eastern suburbs. I have been working as a professional photographer for more than 19 years.
Ten years of that time was spent with a regional newspaper group photographing everything and everybody day in and day out, constantly working to deadlines. You learn very quickly about making connections with people in order to get the very best pictorial results.
Today I bring this experience, creativity and passion together to produce exceptional photography for you my clients. We specialise in professional photography for businesses, family and general portraiture and a complete range of services for event organisers. For businesses we photograph locations and personnel, products and general marketing collateral.
Either by capturing beautiful family moments in the studio or on location or providing a broad cross section of photography art, Daryl Gordon Photography continues to satisfy all your professional photography needs both on theMornington Peninsula and across Melbourne's south eastern suburbs.– Daryl Gordon
Capturing images that tell the stories of your family, the relationships, the interactions, and the love.
You know yourself how certain music, scents, and photos bring milestone events rushing back. Events like marriage, births, celebrations and holidays.
I love having the opportunity to help create your memories by capturing natural photographs of family life that are beautiful, spontaneous and emotive.
This is why I am so passionate about photographing individuals and families in their sacred spaces. Over the years I've photographed people in parks, at the beach, in studios, in backyards, in churches, in cars and in family homes.
Some of the most memorable images have been captured in family homes. After all, it's where families hang out, it's where the stories unfold, it's where the love is shared.
So where is your sacred space?
Think about the importance you place on putting a face to a name … or a voice.Everybody feels the same. Why do newspapers and magazines invariably publish a photo of people they write about? It's human nature to want to see images of the people we are reading about or dealing with. However, increasingly we are connected online to people we've never me face to face.
Often we haven't even heard them speak. Ask yourself about basic trust. Do you feel more comfortable dealing with people whose face you've seen or voice you've heard? If we want to attract customers, we must allow them to get to know us. We must share with them more than just our name. You don't display your photo as part of your social media and online profiles because of how good looking you are; you want others to relate to you on a more human level.
That is an essential part of developing and deepening your relationships. The essence of social media is engagement, informative conversations and trust. When it comes to choosing your photo, it should be a close-up shot or head shot.
Businesses requiring product photography want quality, convenience and
competitive prices. Over 18 years Daryl Gordon Photography has refined its
processes to deliver quality product images within set deadlines and within
For client convenience we have a fully-equipped studio in Balnarring, on the
Mornington Peninsula, offering multiple background options. Also, we have the
capacity to create studio conditions at your workplace.
Daryl Gordon Photography specialises in retail photography for online and
printed catalogues, and marketing image requirements.
You're planning a business event or function to get closer to your clients. Your
expertise will be on show and some dignitaries and industry experts will be on
hand. Impressive and expensive, but you think you can save by getting one of
the staff to take some pictures. Probably a mistake on several levels. Will your
clients look like startled ghosts because the lighting is wrong? Will these clients
thank you for posting less-than-flattering photos? It's unlikely these photos will
add class and credibility to your website and social media platforms? Will the
money you spend on staging an event to showcase your business be reflected
in pictures taken by an amateur?


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Maternity GapFit Blackout Under-Belly Capris
- Fitted silhouette hugs your curves.
- Model is wearing a regular Gap size S.
- Hits at the upper calf.
- Choose your maternity size based on your pre-pregnancy size.
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- Crossover styling at elasticized waistband cradles the belly.
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Product Details
- 79% Polyester, 21% Spandex.


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From Our Editors
Scan Pics offers digitising services to help preserve analogue keepsakes and update them to modern standards. Photographs, negatives, slides and documents can be scanned and transferred to DVDs, USB hard drives and pen drives. The company can also enhance old prints by intensifying their colours, contrast and brightness.


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Buying cheap floor rugs in Australia is not very hard if you know what to look for and where to look for it. The discount floor covering market in Australia is actually quite large and robust because of Australia's location in South East Asia, which makes it a great trade capital for the area. As such, you can find a huge number of imported discount rugs through various retailers and wholesalers. In this guide we explain the various places where you can buy cheap but high quality rugs of all different types in different places around Australia.
What Type of Floor Covering Should You Buy?
You have a wide range of choices when it comes to floor mats and rugs for your home. Choosing the right style and colour for your home will depend on the rest of your decorations and furniture.
Choosing a Style
There are three main styles of floor rugs for sale; handmade classic styles, imported Persian rug styles, and modern carpet style mats. Below we will discuss which type of home decor each style is suited to.
Classic Styles
If you have a lot of wood tones and older style furniture in your home then a classic styles from the 1800's and 1900's will likely be best suited to your needs. These are usually round in shape, made from wool and they often feature squares of different colours such as green, pink and purple.
Persian Styles
If your house features sandstone materials and red hues then a Persian style rug will instead be the better choice for you. These designs usually feature stripped patterns in red, orange and purple and are great for creating a vibrant atmosphere against neutral background tones.
Modern Styles
If your home is of contemporary design then more modern styles of rugs will be more appropriate. These are typically machine-made from cotton or polypropylene and they usually feature squares of black and white, sometimes with red highlights.
Where To Buy Discounted Floor Rugs
Rug Galleries - Dedicated rug galleries are the first stopping point for most people and they offer a large variety of choices for most needs. Just as with any retail store you can sometimes find cheap buys at rug galleries when things are on special. For the most part, however, you should check elsewhere for cheaper options.
Wholesalers typically import cheap mats and rugs and resell them for a discount. Sometimes these are factory seconds, which can be even cheaper than wholesale price because of some defect. If the defects on these factory seconds does not bother you then this may be a good choice for you.
Online Stores
No matter where you live in Australia, you can always buy through an online store. What you can find online will depend on the type of website you choose to buy from; just like with physical sellers there are normal retailers and wholesalers whom each offer different levels of pricing and quality.
Second Hand Dealers
There are a number of wholesalers who will sell used stock in addition to their normal wares. This is a great option if you are interested in buying a more premium floor covering as you can potentially get them at a much more affordable price since they are pre-owned.
Private Sale
Instead of going through a reseller, some owners will choose to sell their pre-loved rugs privately. The most common method for doing this is through classifieds in newspapers or online and through garage sales. This is especially common when people are moving houses, as they simply may not have enough room in their new home for their rugs. You can also find many private listings online through classifieds sites like Gumtree and through auctions sites like eBay.
What is Your Local Best Option?
While there are a few retailers and wholesalers who are popular almost everywhere, there are often better options in the form of more locally popular retailers. The following list highlights some of the most popular retailers and wholesalers in each of the major cities in Australia.
Rugs a Million is a popular option through Queensland and has stores located in many towns and cities, including on the Gold Coast and in Brisbane. In addition to this, Gumtree has many listings for used rugs throughout the Sunshine Coast and in towards Townsville and Toowoomba.
The Rug Factory was founded in the ACT and is still an extremely popular choice there for all different types of floor covers. Carpet Court also has a strong presence in the ACT and is worth a look as an alternative option.
New South Wales
In Sydney, Rahmani's Rug Gallery is very well-known for their wide range of wholesale rugs and for their memorable commercials. There are many other options, however, including TheRugStore, Raine's Caprets, and Carpet Court.
South Australia
Discount City Carpets and Rugs a Million are the two most popular retailers throughout SA. In Adelaide, however, you also have the option of The Rugstore and Carpet Court. Gumtree listings are also quite active.
M & M Rugs is one of the most popular retailers in Melbourne and they have locations in many other Victorian cities as well. In addition to this, Online Carpets sells to people anywhere in Victoria and just over the border of NSW in Albury-Wodonga.
Western Australia
Perth is really the main place to buy discounted floor coverings from physical retailers. If you live far away from Perth then your best option is to buy from an online retailer or through someone who is willing to ship used mats. Nationwide Rugs and eBay are both great options for this, if you live in WA.
Australia Wide
Some retailers are popular Australia wide and make a great choice for finding cheap rugs for sale if you cannot find one of the earlier mentioned retailers. Ikea, Spotlight Rugs, Harvey Norman and Fantastic Furniture are all great options for retailers. If you want to buy online then consider Gumtree, it covers most major towns and cities in Australia.


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So, the things I found wrong with it:
Alessandra de Rossi is good, but she seems too old for the youngish guy in the Marinduque scenes, and in addition to that, an absolute cold blooded B in the way she left him after he and his sister extended so much hospitality to her. Sure we're supposed to feel empathy towards a woman desperate to resolve the mysterious postcards she's been getting, but when there was apparently no scene of her giving the guy an explanation or even a goodbye I felt sorry for the him.
About those postcards, it took up to the start of the second act for me to realize those cards were mysterious at all. I thought they were still from her ex but it wasn't made clear it wasn't until way into the movie. Which is a pity because the plot was fairly rich. It wouldn't have taken a sentence or two to establish this, perhaps by declaring this before she went on her trip.


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Persons at SUA
This page displays all publicly accessible information about the desired person. Some information about the person's occupation and offices may be hidden.
User forwards the university mail to a different address (distribution server office365).
Office phone number:
+421 37 641 5848
Office address:
|Energetik OpU Burs R
|User information in vCard format


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Young Professional Perspective: "Intuition: Trust your Gut, Re-Train your Mind"
Tuesday, April 22, 2014on
As entrepreneurs, managers and young professionals in general, we read up on market research, headlines and social media trends. We look at our competitors to see what strategies they are using and which are most effective. Still, there is one specific tool that is critical to everyone's success and surprisingly, it's oftentimes the most underused resource in our arsenal: our intuition. Intuition is one of the most powerful resources we are given. Strong leadership is a combination of having a great idea, implementing that idea, and ultimately following your gut. How can we capitalize on our intuition? Below are three basic guidelines to help get you started: 1. Don't let fear run the show: When you come from a place of fear—worrying about saying the right thing and making sure not to ruffle any feathers—you might miss out on making something truly memorable. Fear forces you to look at short-term results. Fearing failure will keep you trapped in familiar work habits, which can cause you to lose your spark. So, the next time you are faced with starting a new project, ask yourself: What would I do if I weren't afraid? What's something we haven't tried before? Don't worry about what others will say; there is no such thing as a bad idea. You can always crunch the numbers, set up focus groups, or read the research later. But first, start from a place of "anything is possible." 2. Take risks: Intuition flourishes in an environment where both positive and negative outcomes are possible. Create new ideas instead of relying on what "you've always done" or what's "worked before." If you fail, then you'll know you pushed your limits, regardless of the outcome. True leaders take risks to achieve success. Both brands and society change over time. 40 years ago there was no such thing as "digital." Today, brands are launching entire campaigns through viral videos and 140-character tweets. Taking smart risks is crucial to long-term growth and success. 3. Trust yourself: We need to re-train ourselves, to re-learn how to listen to our instincts. If you allow your intuition to drive creativity, you'll know when it's right – not because you read an article on the subject, or because you tested the concept six ways from Sunday, but because you have a creative spark inside of you! Having confidence is essential. Before making decisions, in the workplace or otherwise, take a moment to check in with yourself and that inner voice that has been quietly guiding you all along. We often ponder the connections between subjective and objective truth, feeling and fact, intuition and reality - with intuition being bigger than we ever imagined. It feeds our creativity, expertise, and ultimate goal to succeed. How has trusting your gut led you to success? Lauren Good is the Event Director for The Salvation Army Kroc Center in downtown Greenville. She is also an entrepreneur and started her own event planning business 3 years ago after moving back to Greenville from Charleston, where her passion for planning events began. Lauren enjoys spending time with her family, entertaining guests in her home, and attending as many live music events as possible. Lauren is a member of the PULSE Marketing committee.
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The Non-invasive Lift
Ultherapy is a non-invasive procedure that has been FDA-cleared to raise the skin on the neck, beneath the chin, and on your eyebrows. Ultherapy is now FDA-cleared to improve the look of fine lines on the patient's décolletage. Ultherapy will help you reach a more youthful look from your eyebrow to your chest!
Ultherapy uses ultrasound energy to stimulate collagen production, lifting and tightening the face and neck area to improve sagging and wrinkles. Get the Ultherapy Brinkley lift at the Gabel Center!
Call today to book your Ultherapy treatment today!


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Stakes or Cages ––always a great question. Some people like tomato cages because after they are put in, all you have to do is put the branches thru the holes. I like Stakes much better even though I have to tie up the plants. The Stakes enable me to keep heaping soil up around the stem as the plant grows and to mulch them better. The Stakes also last a lot longer than the cages.
Blog Archives
Tomato Stakes or Cages
Posted on February 5, 2012
Bag of Coffee Grounds
Posted on January 6, 2012
Welcome to Tips on How to Grow Great Tomatoes. I will be adding tips as often as possible.
For our 1st TIP
As it gets closer to planting time ask your local coffee shop if they will save a few Bags of Coffee Grounds for you. Sprinkle in the soil especially if yours is Clay or on the heavy side and dig in as you prepare the planting area. It will help to break it up and add important minerals for the Tomatoes back into the soil .


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Several years ago, I heard the phrase, "If you want to serve Jesus, stay single. If you want to be like Jesus, get married" (Gary Thomas). Through a decade of marriage and child rearing, I'm painfully learning the wisdom of that quote.
Marriage and family is hard. I mean, really hard. It requires more skill, patience, mental and emotional intelligence, clarity and love than I've ever been able to give. Ever. I'm forced to face my level of maturity and discipleship (or lack thereof) regularly. By design, there is no escape and I'm forced to either learn and grow… or increase my smoke and drink budget.
One of my favorite marriage books' dedication starts with, "To our four children, who effortlessly exposed every character flaw we didn't even know we had." My wife and kids help to illustrate my issues and dysfunction. No one enjoys that. Being a husband and father is roughly 10.3 times harder than being a pastor.
My biggest complaint and frustration with the people who live in my home is they force me to address my deficiencies, because they're regularly highlighted. My inability to lead myself, manage conflict, share, and discipline others are critical issues that I'd rather ignore. Correcting my misbehavior and selfishness isn't just a prayer away; it takes long, slow, difficult work. And I rarely want to do it.
Of course parenthood has its rewards. I've appreciated comedian and theologian Jim Gaffigan's perspective on fatherhood. In a recent interview, Gaffigan wryly says, "I like it. I mean [being a father] is going to kill me, but I like it."
And that's my point. Being a spouse and/or parent will kill you, if you do it right. Hopefully it'll be enjoyable along the way.
The unfortunate truth is if I don't willfully choose to die, to stay engaged, to name and confront misbehavior in myself and my family, I'll resent them. In my worst moments, I do.
According to Milan and Kay Yerkovich, I'm an avoider; and it's true. That's me. I used to view this as a personal strength, but seeing how it plays out in my home has been somewhat traumatic. When my kids are especially needy, I want to be least available.
Finally seeing this is a disgusting, yet precious gift. There's comfort in Proverbs, which say,
"My child, don't reject the LORD's discipline, and don't be upset when he corrects you. For the LORD corrects those he loves, just as a father corrects a child in whom he delights."
In this regard, God is parenting me through my kids.
By acknowledging and addressing the sin and dysfunctional patterns in myself, I have a different level of integrity and moral authority to acknowledge and address the sin and dysfunction in my family. I also have a different level of grace, peace and patience when we get to deal with it together. I get to say, "Me too, but it's still not okay."
And that's where the hope is. God is active in my family, and generationally making home with us. When we choose to do the long, deep, hard soul/emotional work, this pays generational dividends. I'm affecting dozens (hundreds?!) of people who don't exist yet.
Here's the current job description I'm giving myself as a dad.
- Know, love and pursue God. The main way God wants to be known is as a Father. When God speaks, I'm to respond (which is how Jesus defined love). This includes stillness, meditation, and practicing joy. When my family helps to show my dysfunction, I'm to say, "Gee, thanks!"
- Love my wife the way Jesus does the church. Really, the content of this whole post is about loving the way Jesus does. No, Jesus doesn't have dysfunction or sin to correct, but he always went first and created an environment for growth. Striving to give my wife a better husband by not taking shortcuts is a step in the right direction.
- Model to my kids a life of accountability, honesty, and growth. Just because I'm in charge does not mean I'm an exception. I'm in process, and that's okay. No, I don't have to be a perfect parent, but painful growth is required in all of us. I'll go first.
Many of us can easily describe a typical fight in our home. If you're stuck in a pattern, my suggestion would be to go through this material. It's some of the most difficult work I've ever done, but like the authors say, "life is hard anyway; why not make it productive?"


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Principal's Welcome
At Hovingham School, we believe that all children are unique individuals with a right to a safe and happy environment which offers acceptance and respect for everyone, enabling all to reach their full potential.
Our vision is to be the 'hub' of our community, providing a centre of excellence where every child is valued for their individuality, personality and self-worth; one where the highest levels of achievement and attainment are accessible to all.
Our school motto is to 'Aim High' and we certainly believe we can.
We have clear aims:
- To be a school where every child experiences high quality teaching and where learning takes account of the changing needs and diversity of our children to enable all to achieve.
- To provide an inclusive curriculum and a stimulating, safe environment that nurtures the aspirations, life chances and happiness of all our children.
- To establish wider education networks to bring academic, social and emotional benefit to our children; and to be recognised as a valued and respected partner within our local communities.
- To establish a resourceful and reslient organisation that enables our school to grow to greatness.
We 'Aim High' in all of our work and all that we do, children and staff alike.
We are incredibly proud of our school. We work hard, promote kindness and respect, and are committed to the success of every child. We hope our website gives you a sense of the 'Hovingham Way!'
Best wishes
Mrs Kellie Halliday, Principal


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Miami City Ballet
Miami City Ballet is among the largest professional ballet companies in the United States with more than 50 dancers in its company and over 80 ballets in its repertoire. The company is led by founding artistic director, Edward Villella, and performs in the tri-county South Florida area (Miami, Fort Lauderdale, and West Palm Beach) in addition to touring both nationally and internationally.
The 2008-2009 Season begins in October, and features a variety of works, including 3 Company Premieres and the full-length classic, Don Quixote.
2008-2009 Season Schedule:
Program I (Swan Lake Act II, The Four Temperaments, In The Upper Room)
The Arsht Center (Miami): 10/17-19
Broward Center (Fort Lauderdale): 11/7-9
Kravis Center (West Palm Beach): 11/14-16
George Balanchine's The Nutcracker™
Broward Center: 12/12-12/14
The Arsht Center: 12/19-12/23
Program II ("THE FOX-TROT: Dancing in the Dark", Mercuric Tidings, Ballet Imperial)
Kravis Center: 12/5-7
The Arsht Center: 1/9-11
Broward Center: 1/16-18
Program III (Don Quixote)
The Arsht Center: 2/6-8
Broward Center: 2/13-15
Kravis Center: 2/20-22
Program IV (Concerto Barocco, In the Night, Symphony in C)
Broward Center: 3/13-15
Kravis Center: 3/27-29
The Arsht Center: 4/3-5
For tickets call (305) 929.7010 or order online at www.miamicityballet.org


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