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Short Sales of Real Estate, aka Short Payoffs
A while ago I wrote an article called, "What Happens When You Can't Make Your Real Estate Loan Payment." This is kind of a continuation of that, as I got a search that asked, "What is necessary to persuade a bank to accept a short payoff on a mortgage"
Poverty. In a word, poverty. You have to persuade the bank that this is the best possible deal they are going to get. You can't make the payments, and if they foreclose they will get less money.
A "short sale" or short payoff is defined as a sale where the proceeds from the sale will not cover the secured obligations of the owner. The cash they will receive from the sale is "short" of the necessary amount. The house is no longer worth what they paid for it.
When I originally wrote this article, I was looking ahead. There were more and more of these happening, but the big wave had yet to hit. That wave has now mostly passed. There are always people that lost their good job and can't get a replacement nearly as good. But for a while, there were also people that were put into too much house, and approved for too much loan, suddenly discovering their situation was not sustainable because they suddenly couldn't make the payments. Unscrupulous agents that wanted a bigger commission, loan officers going along, and nobody acting like they were responsible for the consequences to their clients. My concern for lenders who do stated income and negative amortization loans (and a lot of loans that are both!) is kind of minimal. Okay, it's very minimal. Like nonexistent smallest violin in the world playing "My Heart Cries For Thee" level sympathy. I forecast years ago that many lenders were going to go through bad times, using a forecasting method that's about as mysterious as rocks that fall when you drop them.
On the other hand, for the people who were led into these transactions by agents with a fiduciary responsibility towards them, I have great heaping loads of sympathy and I'll do anything I can to help. Yes, they're theoretically responsible adults, but when the universe and everyone is telling them all the things that buyers were told these last couple of years, it's understandable. Sure there's a greed component in many cases but when they're told by both loan officers and the real estate agents that they "wouldn't have qualified for the loan if you couldn't afford it," they are being betrayed by the same people who are supposed to be professionals looking out for their interests. I really do suggest finding a good lawyer to these folks, as those agents who did this to them (and their brokerages) better have had insurance which said lawyer can sue to recover money they never should have been out.
I'm going to sketch it out in broad terms, but there are a lot of tricks to the trade. Short sales are not something to try "For Sale By Owner," or even with a discount agent.
First off, you need to draw a coherent picture of the loan payment being unaffordable. If you were on a negative amortization approaching recast, or hybrid ARM (usually interest only for the fixed period) that is now ready to adjust, you're facing a much higher payments. Even if you were able to afford the minimum payment before, now you can't and you've decided to sell for what you can get before it bankrupts you to no good purpose because you're going to lose the house anyway. You're going to have to prove you can't afford your loan. The bank isn't just going to accept your word, but several late payments or a rolling sixty day late that looks headed for ninety have been known to be persuasive. If you can afford the payments but have merely convinced yourself you don't want to, please read Why You Should Not Walk Away From Upside-Down Real Estate. Nonetheless, there are a lot of tacks that you don't want to take. Remember, lenders want to be repaid and they've got a couple of pretty powerful sticks to shake at you. They are not going to agree to sacrifice money merely because to make the payments would be uncomfortable for you. You're going to have to persuade them it's impossible.
Second, you're going to have to persuade the lender that this is the best possible price that you are going to get, and that even if they think they'll get more by going through foreclosure, it will be more than offset by what they'll lose through the expenses involved. Not to mention that they might end up owning the property, which they don't want to do because then they have to spend more money selling it.
Third, you've got to be on the ball about the transaction itself. All the ducks have to be in the row from the start, which is when you approach the lender with a provisional transaction. If they're not, the lender is just not going to go through the process of approving a short sale until they are. Since this takes time, it has the effect of dragging out the transaction. Every missed deadline means the lender will look at the whole thing again, possibly changing their mind about approving the short sale. You need a qualified buyer. Furthermore, most short sale buyers end up bailing out of the transaction at some point, most often because they don't think it's going to get approved on terms that are acceptable to them. You need a full service listing agent who knows what they're doing to prevent this from happening.
Fourth, just be prepared for the fact that the lender is not only not going to approve the transaction if you get any money, but that they're also going to send you a form 1099 after it is all done. This form 1099 will report income for you from forgiveness of debt. This is taxable income! (There is now temporary federal legislation in place changing this) Many agents eager to make a sale will not tell the sellers this, and when you get right down to it, there is no legal requirement to do so, but I've always thought this was one of the ways to tell a good agent from a not-so-good one. It does seem like something you should be told about before you've got the 1099 form in your mailbox, right? At that point, you are stuck with all of the consequences, where if you had known before, you might not have been so complacent. It is to be noted I've been made aware of ways to circumvent the "no money to the owner" requirement, but they are FRAUD, as in go to jail for a while and be a convicted felon for the rest of your life FRAUD. It can be tempting, but committing fraud is one of the most effective ways I know to make a bad situation worse.
For the buyer, short sales can seem attractive for any number of reasons. Typically the seller is in a situation where they have to sell, and everyone knows it. The option of waiting for a better offer really isn't on the table if what you're offering is anything like reasonable. They can't bluff you, they should know that bluffing you is a waste of effort, and somebody should have explained to them that they really just want out now (and why this is so) before it gets worse. What's not to like? The answer is the fact that there's a third party with veto power over the transaction. The sellers don't have must motivation to bargain hard because they're not getting any money anyway, but many lenders are stuck in the land of Denial.
Your competition will also make things difficult. Because people think there's fast money to be made, these folks are the target of "flippers" everywhere. The large city, highly inflated markets more so than most. A couple weeks before I originally wrote this, we put one on the market and got three ugly low-ball offers within 48 hours, and this is part of why you need an agent to sell one. Remember, the seller isn't getting any money, but they are going to get a 1099 form that says they have to pay taxes. Don't you think most folks would rather it was for less money, and therefore, less taxes, instead of more? The more money the lender loses, the higher your liability. Had any one of the three made a better offer in the first place, they would have gotten the property at a price to make a profit, but they had to prove how rapacious they were, or something. As it was, we jawboned the first three vultures and two other, later entries, into a quasi-decent price, with minimal later tax obligation to our seller, and (eventually) got the lender involved to see reason.
In summation, "short sales" are a way to cut your losses for sellers, and a way to maybe get a good price for buyers, but you have to know how to convince the lenders to accept them, and how not to overplay your bargaining position, lest you get left out in the cold.
However, lenders are basically in denial for a variety of reasons, and they do not want to admit that their underwriting was at fault for lending more than the property was likely to be worth, and more than the borrower could really afford. For that reason, short sales are a long hard slog, and many times lenders are rejecting the transaction no matter how much sense it makes. So be advised before you even start that this is an uphill battle, and if the listing agent is not on top of the game, you may be wasting your time making an offer. Quite often, the lender simply says no - that they're not going to accept this transaction unless someone comes up with more money to make them happy.
Caveat Emptor
Original here
UPDATE: You may also want to read my new article on Mortgage Loan Modification
CategoriesBuying and Selling
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Greg Frewin Theatre located in the Clifton Hill district of Niagara Falls, Ontario, Canada is hosting the Journey Tribute Band, Absolute Journey!
Absolute Journey Tribute is one of the most acclaimed rising tribute acts in North America.
Formed in Toronto, Canada in early 2014, the quintet proposes a faithful reproduction of the Steve Perry era of the San Francisco act, enriched with audience interactivity, projections, backdrops and true-to-the-original costume changes. AJT doesn't aim to be a plain carbon copy of the real thing: every effort on stage, from singing and playing to the moves, is so natural and heartfelt that it captivates even the most skeptical critic. Hearing and seeing is believing.
More Niagara Falls events!

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Rubiaceae (madders)
Buttonbush is a large multistemmed shrub or small tree, growing in low areas, often swollen at the base.
Leaves are opposite but more commonly in whorls of 3, blades 2–8 inches long, oval or lance-shaped, tip pointed, margin lacking teeth; dark green, smooth above, paler with a few hairs along veins beneath. Leaf stalk smooth and stout.
Bark is thin, gray to brown, later with flattened ridges and deep grooves.
Twigs are dark reddish-brown to gray-brown, shiny, smooth.
Flowers June–September, in fragrant, ball-shaped clusters 1–1½ inches wide, on stalks 1–3 inches long; individual flowers minute, 4-petaled, white, with protruding styles. The floral clusters arise from upper leaf axils and at stem tips.
Fruits September–October, a round cluster of reddish-brown, dry, pyramidal nutlets. Pods remain for some time before splitting open.
Height: to 18 feet.
Occurs in borders of lakes, rivers, sloughs, swamps, sinkhole ponds, river bottoms, and low, wet woods. Always found near water; often found in thickets, which can be impenetrable.
Buttonbush is frequently planted as an ornamental. Its thickets can be planted to protect lakeshores from erosion. Native Americans had several medicinal uses for this plant, using it as an emetic, laxative, tonic, and pain reliever. White settlers used buttonbush medicinally, too.
The nutlets are eaten by many types of birds, especially water birds, including wood ducks, and pheasants. The fragrant flowers are a favorite nectar source for honeybees. Song sparrows, red-winged blackbirds, and other birds nest in this shrub. Animals may be poisoned by eating the leaves.
There are no sharp dividing lines between trees, shrubs, and woody vines, or even between woody and nonwoody plants. "Wood" is a type of tissue made of cellulose and lignin that many plants develop as they mature — whether they are "woody" or not. Trees are woody plants over 13 feet tall with a single trunk. Shrubs are less than 13 feet tall, with multiple stems. Vines require support or else sprawl over the ground.


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We are proud to inaugurate on April 11 at 7 pm the first solo exhibition of Ignacio Uriarte (*1973, Krefeld) in Cologne.
Language, characters, types, semantic systems, words, and texts are a regular feature in con¬temporary art. In Karlsruhe's Städtische Galerie just ended the large exhibition Zeichen, Sprache, Bilder – Schrift in der Kunst seit den 1960er Jahren, that documented with exam-ples by more than 70 artists how much, but also in how many different approaches artists dealt with this topic.
Writing Drawings, the title of Uriarte's exhibition, provides already an indication for the sig¬ni-fi¬cance of writing for his œuvre and for this particular exhibition of the German-Spanish ar-tist. If one is looking up the relevant terms in a dictionary, one finds the term "writing" de-fined as: to note characters, ideographs, digits, notes or something similar with a writing uten¬sil in a certain readable order on a pad, normally paper or to type in a personal com¬pu-ter. For the term to "draw" one finds: the procedure of the depiction of an artistic expres-sion.
Considering the works exhibited in the exhibition one realizes, that Uriarte works with se-mio¬tic systems similar to a script. However, different to a script, his works do not aim for rea¬dability in the sense of creating a specific sequence of readable and understandable cha¬racters within a semantic system. He is rather aiming to do drawings that are detectable within their own constituting system in the overall picture of all signs. While the definition of the dictionary refers to the readability of the sequences of characters, Uriarte reduces his wri¬ting to registering or typing in repetitively redundant signs of the same system.
In our exhibition each drawing is made according to its own system, which distinguishes it from the other drawings on show. For instance, in the four-part drawing Dot Grid Uriarte shows dots of black ink, which he dropped by hand on four 140 x 100 cm sized sheets of paper in a regular structure of four varying grids. Due to the different side lengths of the rect¬angles on two papers appear patterns of squares in two different sizes and on the other two papers can be seen oblong rectangles, which structure the sheets horizontally respec-tive¬ly vertically.
In the work Linealstrichstrukturverlauf a set of 24 sheets of paper in one frame with black lines drawn with a ruler, the dynamic of the series does not evolve by the varying spacing of the individual lines, but by their agglomeration from the upper to the lower parts of the work: While on the upper sheets the single lines are recognizable as such, they agglomerate in the lower parts to an almost closed, monochromatic field. Through this agglomeration the ori¬gi-nal sign of the straight line looses progressively it's primal quality as a structuring form.
With these examples it might be comprehensible, that the lack of meaning of the single signs guides the focus of our observation away from the understanding of a combination of signs towards the process of their origination or – put another way – towards the temporal and somatic relation of the author and the drawing. Each line drawn by hand is above all a proof of a conscious or unconscious act within the process of time. Especially drawings in which individual signs are repeated suggest a certain relation to temporality. Repetitive signs are readily understood – especially if they are not defined – as subjective units of time. Like the Count of Montechristo was counting the days in his cell by drawing lines on the wall.
If you look to the two sets of drawings described from this point of view, the regular drip-ping of the drops of ink in Dot Grid can be described as an expansive, temporal structure. Opposite to this the agglomeration of lines in Linealstrichstrukturverlauf describes rather an accumulation of time units without spatial expanse, with which one can also describe the ac¬cumulation of time unites within subjective memory.
Apart from the readability of a drawing as a temporal structure, each drawing is in general related to the body of the author. While an abstract line like in Linealstrichstrukturverlauf is read initially as a trace of an abstract physical act, in quite a few of his works Uriarte uses signs, that are immediately related to his body.
This relation becomes particularly visible in the two Handgelenkszeichnungen of 2012, in which approx. 7 cm long curves spread out in parallel lines from above to the bottom of two sheets of paper. The slight bending of the line is a result of the natural movement of the wrist, when the hand drawing the lines lies on the paper.
Another example for the somatic legibility of his drawings is the Dot Circle, which will be al-so on view in our exhibition in Cologne: here Uriarte dripped a circle of ink drops in varying sizes on a sheet of paper of 140 x 100 cm. One can draw inferences from the varying dia-me¬ter of the drops to the physical distance of the artist to the surface of the paper.
Uriarte got known to a wider public by using utensils from the banal world of our daily office life. By re¬¬peating casual gestures and by decontextualizing the used materials he generates works that refer formal- and content-wise to the Minimal and Conceptual Art of the '60s and '70s.
Apart from drawings Uriarte works in videos, sound pieces, and installations. In the last years he was shown internationally in numerous solo and group exhibitions. His works were ac¬quired by many public institutions like in Germany the collection of the Berlinische Galerie, Berlin, Kupferstich Kabinett der Stiftung Preußischer Kulturbesitz, Berlin, Städtische Galerie im Lenbachhaus in Munich and Museum Ludwig in Cologne. Currently his work is on display at the Lenbachhaus in Munich in the groupshow Playtime and on May 3, 2014, during the Gallery Weekend, the Berlinische Galerie in Berlin presents his newest sound-piece.
For more information and / or images please contact the gallery.


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Kristen Coughlar, Kingston EMC
EMC Entertainment - Are you an individual between the age of eight and 17 with a passion for theatre? Are you interested in developing and honing your performance skills? You're in luck. The King's Town Players are gearing up to train a new generation of "Players" this summer through its newly-formed junior and senior drama classes.
"It is part of the mandate of the company, that we provide education so that we can get more and more people involved in theatre. If we don't get younger people involved with theatre, we don't end up with an audience or with actors after a few years," said Youth Drama Training Coordinator Steven Spencer.
Two eight-week classes will be offered to actors throughout the months of May and June. The first, for children 8-11, will focus on movement, voice and improvisation. Games and creative play will be used to increase confidence and creativity, and foster collaboration and communication. The second, for youth 12 to 17, will increase the focus on performance skills and culminate in a play both written and performed by the students.
"They're geared towards people with an interest in theatre and an interest in performing on stage," Spencer said. "We're trying to give them the confidence in order to hopefully be comfortable on stage and be able to go out and audition for things."
Spencer, who will also serve as a class instructor, is a Drama and English teacher. He has worked with various Kingston theatre companies, including Theatre 5, Theatre Kingston, Domino Theatre, Artistic License, In the Dark, Rogue and Peasant, as well as the King's Town Players.
He will be joined by fellow instructor Kara Wilkinson who holds a BAH in Drama and is a recent graduate of the Artist in the Community Education program at Queen's University. In addition, Wilkinson is also a graduate of The Second City Conservatory Program in Toronto, has 12 years dance experience, and has been vocally trained by the Kingston School of Music and Queen's University.
Spencer said both classes will have an emphasis on fun, as the goal is to foster a love of theatre.
"I would hope they walk away with a really great, fun experience that they are going to remember for the rest of their lives, but also with a whole bunch of theatre skills that they are going to be able to apply."
The King's Town Players are hopeful that these classes will produce people with an increased interest in local theatre, whether that is as audience members, part of a school play, or perhaps one day members of the King's Town Players.
"If we look out at our audiences and we see those guys coming back and enjoying theatre, whether it's one of our productions or a production that somebody else is putting on, or if we go to a school and see that kid participating, we'll be happy because we will have expanded the culture of theatre in Kingston," Spencer said.
Both Youth Drama Training Program classes will run Saturdays from May 5 to June 23 at the Frontenac Mall. The junior class will run 10:30 a.m. to 12 p.m., while the senior class will run from 1 p.m. to 2:30 p.m. Program cost is $340 and includes two tickets to the students' final performance. For more info or to register visit kingstownplayers.com.
Before the King's Town players put on their teaching caps, the company will stage David Auburn's Proof April 17 to 29 at the Rotunda Theatre in Theological Hall at Queen's University.
Directed by David Slack, Proof tells the story of Catherine, the daughter of a brilliant but mentally disturbed mathematician. It follows her as she attempts to come to grips with the possibility that she might inherit her father's insanity.
Slack noted that each season the King's Town Players present one classic drama. He chose Proof, which won the 2001 Tony award for Best New Play and the 2001 Pulitzer Prize for Drama, for its writing brilliance.
"It's one of those plays that brings the audience in. The play has several different scenes but in every scene you learn just a little bit more about a character that you didn't know before, which brings the audience in more and more as you move along...the writing is brilliant and it's easy to relate to and I just love the characters."
One such character is Catherine herself, who is played by Sue Del-Mei.
Del-Mei describes Catherine as a very internal character to play.
"In a lot of her scenes she's very closed off to whoever she's speaking to. In that way it's difficult to try and portray these things that she's thinking without having huge speeches and monologues...it's an interesting challenge."
Whether it's Catherine, her father Robert, Sister Claire or graduate student Hal, audience members will find qualities within each character to relate to.
"They have a realism to them that most audience members will be able to relate to," Slack said, adding that he believes Proof is a production that is accessible for all.
"I think it's one that people should come and see...It's one of those shows that even if you aren't an avid theatre goer...you're going to be able to enjoy it."


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Discount and exemptions review 2019
Each year, we are legally obliged to reasonably review discounts, disregards, reductions and exemptions to ensure they continue to be correctly applied. If you currently claim one of these you will be receiving a review from us over the coming year. Please be advised that a reply paid envelope is not provided with any review form in order for us to keep costs to a minimum.
Thank you for your continued co-operation in these matters.
If you have any questions regarding the form, below is a list of frequently asked questions for further information...


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Tuesday, 15 July 2014
Food Combinations To Avoid
Fruit With or After a Meal
Strawberries on your salad
Mango salsa on fish
Apple pie or fresh berries for dessert
Fruit goes quickly through the stomach and digests in the intestines. When you combine fruit with foods that take longer to digest — such as meat, grains, and even low-water fruits like bananas, dried fruit, and avocados — it stays too long in your stomach and starts to ferment, because fruit, says Alder, really acts like a sugar.
Bhaswati Bhattacharya, MD, a holistic health counselor and physician in New York City, agrees. "Sugars are actually not easy to digest, according to
, because they are heavy and require good fire to process. That is why fruits should be eaten alone." Bhattacharya adds that fruits (especially fresh, seasonal fruits) are also "energetically purifying foods and complete foods," and to combine them with proteins and carbs takes away their pure energy.
Eat fruit 30 to 60 minutes before your meals. When fruit is eaten alone on an empty stomach before a meal, it prepares the digestive tract for what's to come. Water rinses and hydrates the tract, fiber sweeps and cleanses it, and enzymes activate the chemical process of digestion. That's why, says Alder, eating fruit first makes the digestive tract "more capable of absorbing nutrition." After a meal, wait at least three hours before eating fruit. It's best to eat most fruits on their own — especially melons, because they are high in sugar and enzymes specific to each melon. If you want to experiment with food combining, eating fruit alone is a great first step.
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However, we received this postcard from a satisfied visitor, and I thought we should share it.
Acorn Bank Garden and Watermill is located at Temple Sowerby, around six miles east of the town of Penrith. The garden and watermill are owned by the National Trust. The watermill is being restored by a team of volunteers, one of whom is recording the work and other mill-related activities in this blog
Thursday, 27 July 2017
Some positive feedback
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The Comedy of Errors, First Folio Shakespeare Festival. It's not clear why this production of Shakespeare's comedy is so leaden. Maybe it's too realistic, with the two sets of twins becoming genuinely annoyed rather than comically enraged at being mistaken for one another. Or maybe it's not realistic enough, failing to establish strong relationships between master and man or suitor and ingenue. For whatever reason, despite the best efforts of the well-cast and well-versed actors, and Christopher Jensen's clever set bristling with slammable doors and windows, and even some fine physical moments provided by movement director Michael Goldberg (one twin is walked up the wall and held suspended over the stage), Alison C. Vesely's staging just lies there.
The production's strongest moment is also a harbinger of its weaknesses: during the exposition, Vesely stages a comically illustrative dumb show complete with blue-cloth wave, cardboard boat breaking in half, and twin bundles Velcroed to the mast. Funny as the scene is, the impulse to overexplain--we'll give you pictures in case you don't get the words--runs all the way through the show. With every joke delivered verrry slowwwly so we can keep up, we're lulled to sleep instead of being swept along. The uncredited sound design is so bad that when the actors turn their heads the tramping of their feet overwhelms whatever they're saying and they become inaudible in First Folio's outdoor space.


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Given the fact that most people keep their air conditioners running throughout the day and night during the summer months, it's only plausible that the system will require repair work from time to time. Air conditioners are designed to run for long periods of time with minimal maintenance. However, despite its durability and top-notch performance, it is still an electrical appliance. There are a number of things that can malfunction inside the appliance that might require complete air conditioning repair. If your air conditioner isn't running as it should, there might be a component malfunctioning inside. Here is some basic information that you should have before you call for air conditioning repair.
Always Call a Reliable Person for the Job
Rather than calling an inexperienced technician to repair your air conditioner, it's highly recommended that you call an experienced and reputable contractor for the job. Local companies such as Website offer extensive repairs for air conditioners as well as other heating and ventilation appliances. You will at least have the guarantee that the work will be done properly and the company will also give you a warranty for its repair services.
Troubleshooting the Problem
If there's an error code displayed on the screen, you should refer to the owner's manual and find out the exact issue before calling any company for air conditioning repair in Honolulu. Finding out a thing or two about what's wrong with your air conditioner will make it easy for you to discuss the issue with your repair contractor. If you have adequate knowledge about what's wrong with your air conditioner, it can also discourage the repair contractor from trying to fool you and charge a higher rate for the repairs. Keep these things in your mind before calling any company to repair your air conditioner.


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The biggest revelations in New York magazine's infinitely quotable interview with Quincy Jones were not about Quincy Jones. They were about Marlon Brando ("he'd fuck a mailbox"), JFK (Jones knows who killed him – as much as he wishes he didn't) and Ringo Starr (can't drum – "great guy, though"). That got us thinking: what other celebrity interviews got everyone talking? In chronological order ...
Richey Edwards of Manic Street Preachers, NME, 1991
Journalist Steve Lamacq's interview with Edwards after a gig at the Norwich Arts Centre on 15 May 1991 became infamous when Edwards carved "4 REAL" into his arm with a razor blade. NME deliberated for some time whether to print the lurid pictures, eventually running one in black and white alongside a news story and Lamacq's review of the gig. Neither appear to have made it into the internet age, but in any case, they were eclipsed by subsequent interviews, about the interview.
Drew Barrymore, The Late Show with David Letterman, 1995
Barrymore flashing Letterman remains one of his show's most memorable moments. She has returned as a guest many times since and confirmed in 2015 that her "little dance number ... was completely spontaneous and not calculated in any way". The top comment beneath the clip on YouTube? "I love the 90s".
John Rocker, Sports Illustrated, 1999
This interview made Rocker, the former Major League Baseball pitcher, a household name, for all the wrong reasons. After Rocker's Atlanta Braves lost the World Series to the Yankees, his venomous attack on New York and New Yorkers made him the poster boy for homophobia, xenophobia ... it goes on.
"It's the most hectic, nerve-racking city. Imagine having to take the 7 train to the ballpark looking like you're [riding through] Beirut next to some kid with purple hair next to some queer with Aids right next to some dude who just got out of jail for the fourth time right next to some 20-year-old mom with four kids. It's depressing … The biggest thing I don't like about New York are the foreigners."
Rocker was suspended without pay for the first 28 games of the season (reduced to 14 games upon appeal), but never quite lived his remarks down, no matter what he said to Entertainment Weekly in 2014, ahead of his appearance on Survivor: San Juan del Sur.
"My current and past teammates liked me so much they would come to my adamant defense after that article. I think once these people get to know me, they will be willing to defend me as well."
Marianne Faithfull, the Observer, 2001
"I'm already fed up with her and we haven't even started," wrote Lynn Barber of Marianne Faithfull. The now-legendary interview goes from bad to worse, and, Barber wrote in A Curious Career, "had a strange afterlife". Faithfull claimed that Barber had asked her if she'd ever had sex with a dog; Barber denied doing any such thing: "It would never occur to me in a million years to ask if she'd had sex with a dog, because it would never occur to me in a million years that she might have had sex with a dog. Where would I get such an idea?"
Dov Charney, Jane, 2004
'Are you going to do it again?' I ask.
'Can I?' he says, adjusting himself in his chair.
"And thus begins another compulsive episode of what Dov likes to call self pleasure, during which we casually carry on our interview, discussing things like business models, hiring practices and the stupidity of focus groups."
Claudine Ko's brutally honest account of her interview with the now-notorious chief executive of American Apparel is as excruciating to read now as it was 14 years ago. Pair it with Hadley Freeman's G2 interview with Charney from 2017.
George Michael, the Guardian, 2005 and 2009
During Simon Hattenstone's second interview with Michael, over some wine at his home in Highgate, Michael recalls a slight from the first, four years ago: "You said I looked pinched then." Both are wonderfully revealing.
"He didn't give many interviews, but when he did he really did give good interview," wrote Hattenstone after Michael's death in 2016. "Few pop stars let you anywhere near their real life; Michael showed you everything when the time was right." (For a less cordial encounter, revisit Hattenstone's interview with Lou Reed in 2003: "Not a perfect day".)
John Mayer, Playboy, 2010
Mayer's Rolling Stone interview in January 2010, with its head-scratching reference to "the Joshua Tree of vaginas", was all anyone could talk about – until John Mayer's Playboy interview in February 2010. It set a new personal best in outrageous over-sharing for the Your Body is a Wonderland singer with the line: "My dick is sort of like a white supremacist." As Talib Kweli observed on Twitter: "John Mayer must love the taste of his own foot."
Charlie Sheen, ABC, 2011
You remember the one: "I am on a drug. It's called Charlie Sheen. It is not available because if you try it once you will die. Your face will melt off and your children will weep over your exploded body."
Chris Evans, GQ, 2011
Best known as Captain America, Evans' profile may be the lesser of the three Chrises – Pratt and Hemsworth complete the trifecta – but you don't need to be able to pick him out from a line-up to enjoy this interview with him by Edith Zimmerman.
Beginning with explicit flirtation ("Since we're both single and roughly the same age, it was hard for me not to treat our interview as a sort of date") and ending with Zimmerman passed out in Evans' guest bedroom, it is a fangirling fever dream – a celebrity interview as imagined by someone who's never interviewed a celebrity before.
At the time it was published, it sparked much debate about whether it was "responsible journalism". It remains a delight to read.
Quentin Tarantino, Channel 4, 2013
"I'm shutting your butt down!" The director was not happy to discuss the link between the cinematic violence of Django Unchained and real-life violence in this heated interview by Krishnan Guru-Murthy.
Michael Douglas, the Guardian, 2013
Douglas's passing remark about the cause of his cancer was so mind-boggling it demanded publication of the relevant audio clip, a doctor's right of reply, and the Guardian's firm rejection of charges of misrepresentation.
Journalist Xan Brooks spoke for every reader in his final paragraph: "I'm still thinking about what he said earlier, about HPV and oral sex and how it can be both cause and cure. Can that last bit be right?"
Kanye West, BBC Radio 1, 2015
West's two-part interview with Zane Lowe – on Kanye, Ikea, Kanye, Disney, Kanye, racism, Kanye, classism, Kanye, Michael Jackson, Kanye, Drake, and did he mention Kanye – was richly quotable. It inspired a parody by Jimmy Kimmel, which in turn inspired a typically all-caps Twitter rant from West.
Tom Hiddleston, GQ, 2017
Taffy Brodesser-Akner – formerly of GQ, now of the New York Times – is the master of the dry, understated celebrity profile, where the real insights are in between the lines. Her account of Tom Hiddleston – breathless, eager-to-please, and visiting her hotel room at dawn to explain himself further – may have done more damage to his chances at playing Bond than that "I <3 TS" singlet.
See also: Brodesser-Akner's interview with Nicki Minaj, where she falls asleep; her interview with Sam Smith, where he cries – several times; and her interview with Tonya Harding.
And ... Quincy Jones, again: GQ, 2018
Just two weeks before New York Magazine published its interview with Quincy Jones, GQ ran its own similarly tell-all transcript by master profiler Chris Heath. It is testament to the wealth of anecdotes Jones has to mine that there are very few double-ups – but it is a longer piece, and the internet's attention span is about as short as its memory.


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Traveling with a purpose is something more and more people try to achieve. Rather than simply visiting different places around the world, these people are on a meaningful path and wish to find mental strength, implement new spiritual disciplines or learn a new skill.
If you're into techniques of controlling the body and the mind, you've come to the right place, will guide you towards finding the best yoga travel destinations in the world.
To start with, you should decide whether you want to practice a specific style or you are open to any type of studio and styles. Some people prefer only Bikram aka "hot yoga" to improve the lower body strength. While others swear by the health benefits of the physically demanding Ashtanga popularized by K. Pattabhi Jois.
You can be confident that you'll find a suitable practice! Particularly if you go to big cities like New York City and to well-known travel destinations like Goa or Oahu. In some situations, you may want to travel to a place where your favorite yoga teachers & gurus are located.
Mysore, in southern India is one of the best examples, as it is the very core of Ashtanga Vinyasa Yoga and home to the most reputable instructors of this modern practice. Get physical adjustment advice and practice Ashtanga also in your own pace.
At the same time, you're going to find lots of like-minded yogis to interact with in Brooklyn, NY: Share ideas, opinions & experiences. Interaction is the beauty of such enlightened communities and a great way to build relationships and to improve your skills.
In addition, schools of Hinduism in Costa Rica can prove to be very useful to solo travelers. If you are one of them, you'll never be alone in your travels, as long as you find yoga trainings at your destination.
More advanced yogis will probably want to rather focus more on having a life-changing, transformationell YTT course in Koh Samui, than just improve their flexibility, strength or meditation skills.
Finding the best travel destinations to learn Indian traditions is a matter of careful research and of knowing your philosophy, priorities and your limitations. Bikram by B. Choudhury might be too much to handle for beginners under heated conditions. Once you're clear about the styles you want to learn, you'll easily find the right countries to travel to. The easiest thing to do start with western studios that teach Hatha. Get to know the physical postures in this popular practice and feel looser and more relaxed.
If you are a beginner, you may need classes that focus on teaching you the right breathing techniques, the basic postures, strengthening your mind & body connection, and the main challenges of your favorite sequences. Once you master the basics of this Indian tradition, you can seek for affordable yoga teacher training nyc to take you to the next level of this discipline.
The good thing about our modern world is that you don't have to stay at home to be able to stick to your daily practice. Even though you can get an online ytt certification. All cities and towns have at least a few good yoga studios, regardless of their geographic location. Hindu teachers have studied with reputable masters, so they are able to pass on the knowledge to students from all over the world.
If you can't find enough resources by using a search engine, you should seek for local vinyasa centers near me. Go trough many sequences, link breath to your movement and stay focused on your mat. Ask them for work study programs and get the chance for great education.
Traveling around from New York to India and putting the mantras repeated in class into practice, is a great goal to work towards to. Do your research before choosing your next destinations to make sure you have this experience under the most rejuvenating conditions possible.


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High Council of State (Libya)
The High Council of State (Arabic: المجلس الأعلى للدولة), also known as the Supreme Council of State, is an advisory body for Libya formed under the terms of the Libyan Political Agreement which was signed on 17 December 2015.[2] The agreement resulted from United Nations supported peace talks and has been unanimously endorsed by the Security Council.[3] The High Council of state is able to advise the interim Government of National Accord (GNA) and the House of Representatives (HoR), currently based in Tobruk, and can express a binding opinion on these bodies under certain circumstances.[4] The members of the council were nominated by remaining members of the General National Congress[citation needed] who in 2014 were not elected to the HoR.[citation needed]
High Council of State
المجلس الأعلى للدولة
|5 April 2016
|Preceded by
|General National Congress
First Deputy Chairman
Second Deputy Chairman
Political groups
| Members of the GNC appointed after 2014 (134)
Members of the GNC elected in 2012 (11)
|Meeting place
|Radisson Blu Al Mahary Hotel
Tripoli, Libya
The council met for the first time on 27 February 2016 [5] and it was formally established at a ceremony at the Radisson Blu Al Mahary Hotel in Tripoli on 5 April 2016.[6]
The council moved into the headquarters of the former General National Congress, at the Rixos Al Nasr Convention Centre, on 22 April 2016.[7]
On August 2016, a 94-member rival High Council of State was proclaimed in Benghazi and its members wanted to join the official body.[8]
On 21 September 2016, the High Council of State took legislative powers.[9]
On 10 October 2016, the Rixos Al Nasr Convention Centre was attacked by gunmen loyal to the GNC.[10] On 15 October 2016, forces loyal to the GNC took over the building and announced the return of the Ghawil cabinet.[11][12] Then, fighting occurred between Sarraj loyalists and Ghawil forces.[13][14] Following these clashes, the council once again took up residence in the Radisson Blu Al Mahary Hotel.
Chairman of the High CouncilEdit
|Abdulrahman Sewehli
|February 2016
|April 2018
|Union for Homeland
|Khalid al-Mishri
|April 2018
|Justice and Construction Party
Saleh al-Makhzoum[15][16] served as the first deputy chairman and Muhammed Imazzeb[17] served as second deputy chairman under Sewehli. They were replaced by Naji Mukhtar and Fawzi Aqab, respectively, during the tenure of al-Mishri.[1]
See alsoEdit
- ^ a b c d "Khalid Al-Mishri elected to replace Al-Swahili as Head of Libya High Council of State". Libya Observer. 8 April 2018. Retrieved 21 April 2019.
- ^ "As Libya marks 64th independence anniversary, UN envoy urges unity behind new Government". UN News. 24 December 2015. Retrieved 8 April 2019.
- ^ "Archived copy". Archived from the original on 2016-01-30. Retrieved 2016-06-21.CS1 maint: archived copy as title (link)
- ^ "Libyan deal on course, but who is on board?". english.alarabiya.net. Retrieved 8 April 2019.
- ^ "Op-Ed: State Council of Libyan Government of National Accord meets". www.digitaljournal.com. 27 February 2016. Retrieved 8 April 2019.
- ^ "GNC members announce its "dissolution" and creation of the State Council". Libya Herald. 2016-04-05. Retrieved 2016-04-05.
- ^ "State Supreme Council takes over the GNC headquarters". Retrieved 8 April 2019.
- ^ "Al-Sweihli sends three High Council of State members to investigation - The Libya Observer".
- ^ "State Council to assume legislative power, condemns takeover of oil ports - The Libya Observer". www.libyaobserver.ly. Retrieved 8 April 2019.
- ^ "High Council of State evacuated over rift with its security guards - Libyan Express". 10 October 2016.
- ^ "GNC retakes parliament compound, High Council of State condemns - The Libya Observer". www.libyaobserver.ly. Retrieved 8 April 2019.
- ^ http://www.trtworld.com/mea/rival-group-seizes-libyas-un-backed-government-offices-207539
- ^ "Clashes erupt in Libyan capital Tripoli - Region - World - Ahram Online". english.ahram.org.eg. Retrieved 8 April 2019.
- ^ https://www.washingtonpost.com/world/middle_east/us-concerned-about-use-of-force-in-libyas-capital/2016/10/16/a26658c4-9386-11e6-9cae-2a3574e296a6_story.html
- ^ "State Supreme Council elects Al-Sweihli as President". Libyan Express. 2016-04-06. Retrieved 2016-04-06.
- ^ "Al-Makhzoum: PC will announce leadership of Libyan army soon". Libyan Express. 2016-04-06. Retrieved 2016-04-06.
- ^ "Al-Sweihli calls on Tobruk Parliament to speed up implementation of Skhirat agreement". Retrieved 8 April 2019.


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I wanna put on my-my-my-my-my boogie shoes…and boogie with you and why? Deep in my Heart, the first book of Tuscany, Texas, my new series is done and is with the beta readers getting polished and pretty.
With me being born and living in just about every major city in the Lone Star State, it makes sense that I would write a series that was set here. Tuscany, is a fictitious town set in the Hill Country.
I love Texas. I love the food, the wildlife, the people (although I'm not too crazy about some of the state politicians right now). It's home to me, so I am thrilled to bring you the Parker-Davis Clan (and there's a lot of them).
Here's a snippet of what Deep in My Heart is all about:
Dr. Jocelyn Promise had no long-term plans to stay in town, but she saved the daughter of Caleb Davis, her high school crush, and became a hero.
Widower and Air Force Veteran, Caleb Davis, never wanted to fall in love again…until he saw Jocelyn.
Now everything's changed.
Things are about to get interesting in Tuscany, Texas.
For now, put on your boogie shoes (post a picture of them if you'd like) and let's dance!


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- This event has passed.
Fondue + Sparkling Wine Pairing with Poe & Co.
February 16 @ 11:00 am - 6:00 pm$14 – $34
Join us Sunday, February 16th for a Valentine's Fondue Pop-up with Poe & Co.
Our favorite private chef duo Poe & Co. are back and offering an exciting new fondue pop-up. Stop by the Santa Barbara Tasting Room on Sunday, February 16th, for a taste of this rich, cheesy classic fondue paired with fresh, farmer's market accoutrements. Or choose a chocolate fondue option, with appropriate accoutrements. Either fondue option is $14 per person.
Riverbench will also be offering a special sparkling wine pairing, featuring our newest release sparkling wines: 2017 Pinot Meunier and 2018 Cork Jumper Cuvee. $20 for the flight, complimentary for wine club members.
RSVP tickets help us ensure we order enough food for everyone. Your ticket is a reservation to attend this event, no wine or food.
All flights and glasses may be purchased in the Tasting Room the day of the event.
Food purchases are made directly through the vendor, Poe + Co.


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According to the calendar we've officially entered the winter season, but you and I know full well that cold, snow and ice descended upon us in earnest six or more weeks earlier. No matter, as the hiking has been delightful on mostly empty trails, the downhill skiing has been exceptional, and some of us even have managed a few miles on the cross-country skis.
Plenty more winter outdoor fun is ahead for sure, but the time undoubtedly will come when we get to thinking about escaping the grasp of Old Man Winter and heading somewhere for a good dose of sunny warmth. Given that, this hiker heartily recommends the following tried-and-true adventure destinations in the milder climes of the southeastern and western regions of the country.
This 77-mile national recreation trail connects Oconee and Table Rock state parks in the Appalachian Foothills of northwestern South Carolina. The Foothills Trail starts out along a wild section of the Chattooga River (of "Deliverance" movie fame) on the Georgia border before striking eastward over a series of high, wooded ridges culminating with the 3,500-foot Sassafras Mountain, the state's high point. Several man-made lakes and more than a dozen waterfalls are found on the way, including the multitiered, 200-foot Whitewater Falls. Hike the entire trail in a week, staying at primitive tent sites, or camp at one of the parks and day hike sections of the Foothills Trail, as well as other trails in the Sumter National Forest. More info: www.foothillstrail.org.
The largest and southernmost of the barrier islands in Georgia, Cumberland Island is home to 9,800 acres of federally designated wilderness, including dozens of miles of empty beaches, salt marshes and wetlands, and maritime forests of pines, live oaks and palmetto. More than 50 miles of splendid hiking trails crisscross the island, exploring not only the scenic natural highlights but a number of interesting historic sites and cultural ruins. Feral ponies and a wealth of bird species are among the bounty of wildlife found on the island. Camp at the walk-in Sea Camp with its designated campsites, potable water and showers, or backpack into a handful of remote sites up-island. Island access is by passenger ferry only from the picturesque port town of St. Mary's. More info: www.nps.gov/cuis.
This 801,000-acre park, larger than Rhode Island, lies on the U.S.-Mexico border in west Texas. Named for a sweeping bend in the Rio Grande, which separates the countries, Big Bend National Park protects an enormous chunk of wildlife-rich, ecologically diverse real estate. Visitors can explore the spectacular river canyons of Santa Elena, Mariscal and Boquillas by canoe, meander over miles of open Chihuahuan Desert country and climb into the Alpine-like Chisos Mountains, an "island in the sky" that reaches to 7,832 feet atop Emory Peak. The park is home to some 200 miles of foot trails, and hikers are limited only by the amount of water they can carry. Chisos Basin Campground at 5,400 feet makes a great central base camp. More info: www.nps.gov/bibe.
Comprising 607 square miles, this national forest in north-central Florida is the southernmost in the continental United States and protects the largest contiguous sand pine scrub forest in the world, as well as more than 600 lakes, rivers and springs. Several dozen trails, including a 100-mile section of the Florida National Scenic Trail – a long-distance hiking route extending 1,300 miles from Key West to the Panhandle – offer extensive foot travel through the subtropical environment, from short day hikes to multiday backcountry treks. The incredible crystalline springs allow swimming, snorkeling, and diving year-round. More info: www.fs.usda.gov/main/ocala/home.
Carey Kish of Southwest Harbor is the author of AMC's Best Day Hikes on the Maine Coast (Spring 2015). Follow Carey's adventures in his Maineiac Outdoors blog at:
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Banned for not knowing, the first rule of the game, is if you mention the game then you lostBanned for not stating what 'the game' is.
Wtf ... you are bannedFound another loophole from my previous ban in order to get back on, throw out a sneaky ban to the previous poster for stools and giggles and then disappear back into the night without anyone noticing re-instating my ban in order to close the hole behind me.
I did leave a token good will gesture of a loophole to whom I banned, xX-ALeIaQ-Xx, keep it secret, keep it safe. It will call for me but under no circumstances submit to it's demands, use it wisely.
Banned by the way
Banned , too many time the name DirtyGreeny appears in this page,Goodwill loophole revoked and banned again for good measure. Loophole is now back with its master 'me', it is now up for grabs for someone else to take it and use it, any takers?


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Episodes of undue influence can have many factors in common, but reflecting on this, I realised that something very frequently occurs at the start of the process. Yes, you guessed it: undue friendliness!
Friendship – true friendship – is a highly valued and wonderful thing to experience in our lives. Whether we reflect on its nature and presence or not, it enriches our lives and feeds an instinctive human need. This drive towards making and enjoying friends starts when we are infants and lasts our whole lives.
So much has been written about friendship, and hopefully, anyone reading this has experienced and can name at least one genuine friend. So I don't intend to create a list of parameters that might define a true friendship, but focus briefly on a few points relevant to the start of manipulation that turns to undue influence.
It seems that true friendship starts with a 'seed' event or situation, like being in the same class at school, or taking the same bus journey to work and so forth. This seed, if nurtured with common ground, has the possibility to grow over time and eventually blossom into a life-long relationship that bears much fruit along the way. The more ground that is covered through time, mutual interest and experiences, the more resilient the friendship will become. This resilience can even stand many years of separation, without contact, and can be picked up where the friendship left off, without any apparent loss of connection.
In my own life, the longest period of no contact was about 35 years, whereby my budding friendship with Jon Atack was suspended when I stopped going to the same Birmingham Scientology outpost. Years later I found his email address, and basically, we just resumed from where we left off. I now consider him to be a great and true friend (the feeling is mutual – ed). The friend that nearly got away!
There are no formulae for enabling one to 'create' and keep a true friend – it simply has to be a natural unfolding – but the aspects I want to stress are that it always starts with a small seed and grows over time, before it eventually becomes a condition of genuine, deep and enduring value.
Unfortunately, there are many people who have become very skilled at emulating significant aspects of friendship, for their own hidden agendas. This works because of our evolutionary need to form social bonds for support and load-sharing. In this way, a predatory new 'friend' can easily bypass reason and appeal to our more instinctive, emotional selves via subconscious influence.
High-pressure selling is the most common manifestation of this approach. A good friend of mine went to look at cars at a nationwide used car outlet, just to see what was generally available. A sales guy approached him and started off with compliments about his wonderful children, and continued with very low-key friendly chat, picking up and running with any topic that came up. He was particularly keen to talk in a very friendly manner with the kids. The subject of cars was not broached. After some considerable time of just being a nice guy and building a rapport, he made his excuses and was about to leave when he 'confided' to my friend that his numbers were down that month, and he just needed to move a few cars along, not for a decent profit (because that was already in place), but just his numbers were low. So he said that as a favour for such a nice family, he could sell the car at cost and well below screen price, as long as it could be done quickly for his figures to work out. As I'm sure you can guess, my friend agreed to the sale and paid, went home and found the new price was actually a little above the going rate.
This is a true story, in spite of it being a total cliché, and in spite of my friend having a good business head and not feeling he was vulnerable. That short but intense run of undue friendliness, the skilful emulation of real friendship, had caused my friend to drop his guard and succumb to the undue influence that had been practised upon him and his family, with the sole intent of achieving the desired outcome: another sale.
Selling a product or service is probably the most common use of undue friendliness. Another is the undue friendliness initially applied to an individual to subliminally cajole them into joining a group they would otherwise probably avoid, or at least have no interest in. Of course, I'm talking about cult membership and the like.
The Moonies use a technique called love-bombing, which is an extreme manifestation of undue friendliness but, as far as I am aware, undue friendliness is the norm at the start of any cult indoctrination procedure. The target will always be led to believe they would be joining a remarkably friendly group, and displays of "friendliness" will be the first thing encountered, either in the street or in the meeting room, church or whatever. The driving force of this undue friendliness is getting and keeping a new person involved, and is not based on the personal merits of the target; nobody actually knows the target at this stage, after all. What follows will depend on the nature of the cult or group, but the target will have already been influenced, subliminally, by the wonderful apparent friendship offered. The door has been opened to undue influence.
A further and all-too-common demonstration of undue friendliness leading to undue influence is in inter-personal relationships where the undeclared aim may be sexual, financial, political or even social in nature. Of course, in some situations the goal may be obvious and even desirable, as in the case of an attractive person chatting you up, for example. Sadly, this is often not the case. When I was newly separated, I was with friends in a pub, and this nice lady was being very friendly towards me, and I was, at least, flattered. A real and true friend, who knew something of her, warned me to be careful, because she had kids and was on her own with no job. Several more drinks later, as she was getting ever closer, she mentioned that she needed a new washing machine, something she doubtless hadn't planned to mention had the alcohol not revealed her true intentions.
So, where does this leave us? Should we be constantly on our guard and cynical of any possible budding friendship? I would say definitely not.
We should simply be aware of two important aspects of real friendship: initial intensity and rate of change. Alarm bells should ring if either feels too high. If the display of friendliness is inappropriate or disproportionate, then expect at some point a hidden intention of undue influence. They want something from you.
We warn our young children not to go anywhere with a stranger, but often the person with bad intent first makes sure they're not a stranger to their quarry. So we may be better warning our kids off people who are being friendly when the child wouldn't expect them to be.
Friendship is a great gift of life, but not all gifts are given freely.
What do you think about this article? Do you agree? Do you have a story about someone being way too friendly that you'd like to share? We'd love to hear from you!


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Capitol Steps — America's most hilarious political satirists inject a much-needed dose of humor and musical madness into the serious business of politics. Get ready for some good-spirited, uproarious, equal opportunity bashing of Democrats, Republicans and Independents alike. Opens February 23 at the Kravis Center. Tickets start at $40. Kravis.org.
— Tony Award-winning Broadway star Patti LuPone, fresh off her triumphant run as Mama Rose in Gypsy, takes us on a high-spirited tour of songs from her colorful life both on and off the stage, including selections from Gypsy, Anything Goes, and other Broadway classics. Since establishing herself with a Tony winning performance as the original lead in Andrew Lloyd Webber's Evita, she has wowed audiences in Les Miserables, Sunset Boulevard, Sweeny Todd and Gypsy, for which she won another Tony Award in 2008. The Washington Post says, "Few have the knockout punch of LuPone." Now, South Florida gets to enjoy Patti LuPone performing her signature songs and personal pop favorites in her acclaimed new one-woman concert, "The Gypsy in My Soul." February 23 at the Broward Center for the Performing Arts. Tickets start at $35. BrowardCenter.org
South Beach Wine and Food Festival — The ninth annual South Beach Wine and Food Festival takes place Feb. 24-28. Popular returning events: Rachael Ray's ``Burger Bash'' at Ritz-Carlton South Beach; Wine Spectator's ``Best of the Best'' at Fontainebleau Miami Beach and Perrier-Jou¡t Bubble Q with Emeril Lagasse & Friends at Delano Beachside. New this year: Happy Hour SoBe Style with BLT chef Laurent Tourondel at Betsy Hotel rooftop; Dim Sum & Disco with Chef Ming Tsai at the Setai and Guy Fieri's Margarita Madness closing party at Gansevoort South Beach Club. The South Beach Wine and Food Festival is hosted by the Food Network and presented by Food & Wine. For complete schedule, tickets and availability, visit SobeWineAndFoodfest.com.
The Indigo Girls — The Indigo Girls have been recording together for over two decades, producing eight studio albums, and building a fan base that is both strong and faithful. Deeply rooted activists, they often write songs that reference social issues like environmentalism and feminism. They released a new album entitled Rarities in 2005 and their performance will include songs off of this album as well as classic songs such as "Become You" and "Closer to Fine." Opening for the Indigo Girls will be special guest, A Fragile Tomorrow. February 25 at Knight Concert Hall. Tickets start at $29.50. ArshtCenter.org.
Jimmy Buffett and the Coral Reefer Band — Parrot Heads, get ready…Jimmy Buffett and his fabulous band return to South Florida for a one-night only performance at the Bank Atlantic Center. Fans are invited to sing and dance to timeless Buffet classics such as "Margaritaville", "Cheeseburger in Paradise" and "Come Monday". After Jimmy started writing for Buffet Hotel he decided to introduce three of the new songs into his set list. The three were "Summerzcool," the quintessential beach song, which also became the tour name, "A Lot To Drink About," a commentary on current events, and "Surfin' In A Hurricane," the first surf song Jimmy has ever written. Feb. 27 at the Bank Atlantic Center. Tickets start at $36. BankAtlanticCenter.com.


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Intensive Language Course for International Researchers, Doctoral Candidates and Students
Our language course "Academic Life" is the right one for you. During this approx.four-week course, you will develop your language competence in small groups and you will get to know Germany better.
Course Dates 2020: 31st August - 25th September
Course fee: €845.00
Of course we will also assist you by arranging your accommodation at the student residence halls of the University of Leipzig or with private landlords.


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Almond Scones
- 450g self-raising flour
- Pinch of salt
- 100g cold butter, cubed
- 85g golden caster sugar
- 284ml buttermilk
- 2 tsp almond extract
- Milk for glazing
Step 1
Heat the oven to 220°C/200°C fan/gas mark 7. Put the flour and salt into a Mason Cash mixing bowl and add the butter. Rub the butter into the mixture until there are no more lumps, then stir in the sugar.
Step 2
Combine the buttermilk with the almond extract and warm through in a pan or in the microwave. Add the buttermilk to the flour mixture a little at a time mixing together with a knife until you have a dough.
Step 3
Tip the bowl out onto a floured surface and form the mix together with your hands once or twice - the less you can touch it, the better the bake. Then gently press or roll out the dough to around a 4cm thickness. Cut out the dough using a cutter of your choice, ideally around 6cm in diameter, reforming any trimmings that you have. Spread the scones onto a baking sheet (you may need two).
Step 4
Spread out on a lightly floured baking sheet or two and brush each one on top with milk. Bake for 10 to 12 minutes until the scones rise and are golden.
Step 5
Allow to cool and serve with clotted cream and jam.


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Hey there! It seems you've stumbled upon my little biography. My name is Torri Henry, new and fresh staff writer on Dart and man am I excited to be a part of this new family I've become a part of. When I'm not writing, I'm probably at volleyball or track practice burning some calories. Or maybe I'm playing with my best friend, who others might call a dog, Lily. I enjoy eating, traveling, and going to drive-ins during the summer. I also enjoy going to Barnes and Noble and reading! I am an only child but being a part of STA makes me feel like I have 150 new, real sisters every year. I'm excited for where this year on Dart will take me and I hope you follow my journey too! Thanks :)
Torri Henry, Writer
|May 08, 2018
French exchange students say their goodbyes (Story)
|May 07, 2018
The lacrosse team celebrates senior night in an overtime win (Story)
|Feb 01, 2018
Gallery: Electives Fair (Story)
|Dec 12, 2017
Rotary Club accompanies Immacolata Manor residents at Christmas party (Story)
|Dec 07, 2017
Pop Culture Podcast: The support of controversial celebrities (Story)
|Nov 20, 2017
"Light Their Way" auction held Nov. 18 (Story)
|Nov 15, 2017
DartTube: Halloween Advisory Parties (Story/Media)
|Oct 07, 2017
Taking a knee is taking a stand (Story)
|Sep 18, 2017
Missouri travel advisory warns of racism danger (Story)


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National Boss Day is Oct 15th
Sometimes the best way to show your boss just how much you appreciate their fine leadership is by sending flowers. With a National Boss Day gift of flowers from Cheshire Meriden Flower Shop, your boss will know exactly how you feel. Everyone wants a raise. Raise your boss's spirits this Boss Day with one of the many colorful flower arrangements from Cheshire Meriden Flower Shop in Meriden, CT.


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curated: the implosion of Channel Awesome
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P. Sreekumar
Articles written in Journal of Astrophysics and Astronomy
Volume 23 Issue 1-2 March 2002 pp 73-79
SROSS C-2 detections of gamma ray bursts and the SGR 1627-41
S. Sinha P. Sreekumar K. Kasturirangan
The GRB monitor (GRBM) on board the Indian SROSS C-2 satellite has detected 53 classical gamma ray bursts since its launch in May, 1994 till its re-entry in July, 2001. For a subset of 26 events, locations were obtained from simultaneous observations by other gammaray detectors in space. The sky distribution of these 26 SROSS C-2 bursts is consistent with isotropy. The distribution of event durations shows evidence for bimodality. There is an evidence for a moderate hardness ratio-intensity (HIC) correlation in the data. The SROSS C-2 GRBM has also detected three episodes of emission from the SGR 1627-41.
Volume 38 Issue 2 June 2017 Article ID 0028 Review Article
In-orbit Performance of UVIT and First Results
S. N. Tandon J. B. Hutchings S. K. Ghosh A. Subramaniam G. Koshy V. Girish P. U. Kamath S. Kathiravan A. Kumar J. P. Lancelot P. K. Mahesh R. Mohan J. Murthy S. Nagabhushana A. K. Pati J. Postma N. Kameswara Rao K. Sankarasubramanian P. Sreekumar S. Sriram C. S. Stalin F. Sutaria Y. H. Sreedhar I. V. Barve C. Mondal S. Sahu
The performance of the ultraviolet telescope (UVIT) on-board AstroSat is reported. The performance in orbit is also compared with estimates made from the calibrations done on the ground. The sensitivity is found to be within ∼15% of the estimates, and the spatial resolution in the NUV is found to exceed significantly the design value of 1.8′′ and it is marginally better in the FUV. Images obtained from UVIT are presented to illustrate the details revealed by the high spatial resolution. The potential of multi-band observations in the ultraviolet with high spatial resolution is illustrated by some results.
Volume 41, 2020
All articles
Continuous Article Publishing mode
Since January 2016, the Journal of Astrophysics and Astronomy has moved to Continuous Article Publishing (CAP) mode. This means that each accepted article is being published immediately online with DOI and article citation ID with starting page number 1. Articles are also visible in Web of Science immediately. All these have helped shorten the publication time and have improved the visibility of the articles.
Click here for Editorial Note on CAP Mode


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These pages are designed to answer some queries you may have about travelling with your pet. It can be stressful to arrange a trip abroad, so we will try to help wherever we can! To ensure that everything runs as smoothly as possible with your trip, please read this page and contact the relevant authorities where required. Remember that you (the owner) bear the responsibility of making sure that the travel requirements have been met! Please take the time to read all documents thoroughly! Double check requirements for both the destination country and for re-entry to the UK well in advance of your travel date.
The advent of pet passports has made movements of dogs, cats and ferrets to and from the UK easy – even for short breaks. However, a word of caution: things could change in 2019! Please see our section on Brexit for up-dates to rules and for new advice!
Other species such as rabbits and birds cannot travel on a pet passport and require different travel certification. This can take time to arrange so please contact us with queries at the earliest opportunity.
If you wish to transport an animal to another country that is not your pet, please contact us for advice. Requirements vary depending on the type of animal being transported, the country of destination, and the purpose of travel (e.g. a holiday, a show, re-homing, sale of an animal). It is worth checking the Animal & Plant Health Agency (APHA) website or government website and contacting APHA, Carlisle where appropriate.
Information on these pages:
Pet passports
Fitness to travel documents
Export health certificates
Import certificates
Further Information
Further information relating to all pet travel, as well as the latest up-dates relating to legislative changes resulting from Brexit, can be found on the government website or from APHA Carlisle.
Please remember that ultimate responsibility rests with you. If you have any concerns about travelling with your pet, please contact us or contact APHA Carlisle at the earliest opportunity!


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Note: This post is part of a series prepared for an April 2019 workshop on "Religion, Reverence and Tolerance" organized by the Baker Institute Center for the Middle East and the Boniuk Institute for Religious Tolerance, both at Rice University.
By John Connelly, Ph.D.
Professor of History, University of California, Berkeley
What follows is a consideration of how the Catholic church has dealt with perhaps the most difficult chapter of its long history : a set of teachings according to which Jews were God-killers condemned to suffering. This teaching gave justification to centuries of contempt and persecution. The question after the Holocaust became: can a religious institution that represents a supposedly unchanging wisdom make a sudden course change in a basic teaching and still remain credible?
Relations between Christians and Jews are special in the history of tolerance. For centuries Christianity fostered contempt, asserting that Jews had killed their own Messiah and were destined to suffer under a curse until they accepted baptism. Yet in 1965, at the Second Vatican Council, the Catholic Church suddenly and radically reversed such age-old poisonous teachings, proclaiming that God loves the Jews. Because of the violent consequences over many centuries of Christian anti-Judaism, it's worth exploring what made this liberating but mysterious shift possible. After all, the bible was the same text in the 1960s as it had been for many centuries, and could not suddenly speak a new language. Or could it?
The decisive factor was the Holocaust yet the shift to new thinking was not easy. It took time and reflection. If one reads the Catholic press from the 1950s, whether in the US or Europe, one finds virtually no hint that Catholic teaching was a source of hateful beliefs that might have fostered Nazi crimes. The Nazi regime after all was an enemy of Christianity, and had sent thousands of priests and nuns to concentration camps.
Still, a serious change in thinking did commence, unnoticed at first, among tiny groups of Christians who had fought Nazi racism before the war, and continued to worry about anti-Semitism's presence in European life afterward. From 1945 they began doing something once unthinkable, namely talking to Jews, and they heard how Christian teachings sounded to Jewish ears. Particularly painful was the presumption that Jews were inadequate and destined to become Christians: Christians became aware they had been hoping and praying for a world without Jews – a program that now sounded like genocide.
Yet this was an ethical realization, powerless as such to touch teachings derived from scripture. What happened in the following years – from 1947 to about 1953/54 – was that these theologians returned to old texts and read them in new ways.
The atmosphere was anything but conducive. They were outsiders, far from power, and the Vatican was censuring and silencing critics. Then, in 1958, came a fortuitous event. Pope Pius XII died and the cardinals elected John XXIII, a man convinced that the church had to be reconciled to the modern world, and to some extent, its own past. He summoned bishops from all continents for a reform council, yet at first had no intention of discussing let alone changing the theology of Christian-Jewish relations.
Now a second fortuitous event occurred: in the summer of 1960, the French Holocaust survivor Jules Isaac, who had lost his wife and daughter at Auschwitz, and studied the anti-Jewish contempt in Christian scripture while hiding from the Nazis, made a personal appeal to John XXIII. The Church could not be silent in the shadow of the recent mass murder. Deeply moved, the Pope directed the German Cardinal Augustin Bea to form a committee to prepare a statement for the bishops to vote on concerning the Church's relation to the Jews.
Now the pieces came together. Bea, a scholar of the Old Testament, had little background in Christian-Jewish relations, and therefore called upon the theologians who had been quietly working for Christian-Jewish reconciliation, above all the priest John Oesterreicher, who was born of Jewish parents in Moravia in 1904, had developed a Christian critique of Nazi racism and anti-Semitism in the 1930s before making an adventurous escape from Europe to the US. At one crucial moment in 1964, when Bea's commission was redrafting its statement on the Jews, the two other priests working with Oesterreicher were also of Jewish background.
Because of their family heritage, these priests understood that Jews were more than a religion. They were a people. In accord with their cutting-edge theology, they focused the council's evolving statement on the Epistle to the Romans. There St. Paul had faced the fact that Jews by and large did not accept Jesus as their Messiah. This was a painful mystery for him as a Jew and onetime Pharisee, but the ways of God were ultimately inscrutable. "Who knows the mind of the Lord? Who has been his counselor?" (Rom. 11: 34-35) What was certain was that the Jews' rejection had permitted the gospels to be extended to all humanity (Rom. 11:11). Still, the Jews remained beloved by God because God does not retreat from his promises (Rom 11:29).
Paul wrote these passages around 58 AD and they had never been read in this way, yet in the 1960s they offered the Church a new language of reverence for the Jews. The bishops voted for the new teaching at the council's conclusion in 1965 2,221 to 88.
The statement therefore showed how a small group – a few dozen thinkers in this case – could make possible an epochal change in a world-wide institution. Had it not been for the pain felt by Jules Isaac and John Oesterreicher – both of whom lost close family members at Auschwitz – there would have been no language for the Catholic church to speak about the Jews after the Holocaust.
It's impossible for the historian to neatly separate cause and context. On the one hand, the widespread sense of shame after the Holocaust was necessary for this new teaching to find adherents. Indeed, the bishops were relieved that someone had taken the trouble to work out the tricky theological difficulties. And if the theologians had not made their efforts to devise a revised teaching, beginning at the height of Hitler's reign, there would have been no resource to fall back upon.
Still, context was crucial. When the theologians began their courageous work in the 1930s, very few bishops were listening. Indeed, even these pioneers did not imagine an essential breakthrough until the 1950s. The sense of shame grew year by year and was not automatic. When he died in 1958, world leaders, including Golda Meier, still honored Pius XII as a friend of the Jews. Still, something was not right. In 1962, a rhetorical house of cards collapsed when a German playwright penned a critical portrayal of Pius XII called the The Deputy. A truth suddenly made its way to the surface: Christians, including the pope, had watched Jews die without open protest, and indeed some had actively participated. Many of the bishops at the council had to acknowledge their own passivity of, and were determined the church of their time would not be silent.
"In our Time" (Nostra Aetate) was the title of the document they voted upon, but contrary to the instructions given by John XXIII to Cardinal Bea, it was not simply a document about Jews, but was a Declaration on non-Christian Religions. When the Church spoke about its relations to the Jews, it found it could not stop there. What about other religions?
The answer was that all humans faced the same questions about existence and found many congruent answers. What, the document asked, is the "ultimate mystery which encompasses our existence: whence do we come, and where are we going." Each religion had its own response. Nostra Aetate said "the Catholic Church rejects nothing that is true and holy in these religions. She regards with sincere reverence those ways of conduct and of life, those precepts and teachings which, though differing in many aspects from the ones she holds and sets forth, nonetheless often reflect a ray of that Truth which enlightens all men."
Mentioned explicitly were Islam, Hinduism, and Buddhism, but implicitly other faiths as well. Painful reflection upon the Holocaust, the attempt to destroy one people with its way of life and faith, had opened Catholicism to the belief that the diversity of human religions was willed by God, and that was a good thing.
Skeptics of our day, witnessing the fortunes and misfortunes of liberal democracy in Hungary or Poland, will wonder whether any teaching can be permanent. What is to keep the old hostility from rising once more? After all, fascist symbols that were thought consigned to the past have recently reappeared in North America and Europe. Jewish cemeteries are routinely vandalized, and Jews in Germany no longer feel safe wearing the kipa.
Against these trends, Nostra Aetate remains secure. No populists are justifying anti-Semitism with the old idea of Jews as Christ-killers. The theological revolution of the 1960s is not being questioned.
Still, the Church could do much more to confront hatred and actively promote tolerance. Over 90 percent of Catholics have never heard of Nostra Aetate. Because the populist right openly invokes anti-Islamic sentiment while claiming to defend Christianity, the church should make clear that Christianity is incompatible with any calls for resentment of other faith groups. If one opposes anti-Semitism one cannot be for any kind of intolerance.
I propose that once a year time should be set aside during the Catholic Sunday mass – perhaps during the feast of the circumcision at the beginning of each year– to reiterate the Jewishness of Jesus, mentioned clearly in Nostra Aetate. A religion originated by a religious other cannot tolerate religious hatred. In other words, the preacher should preach the text of the 1965 revolution on a regular basis.
This is not a matter of right or left, conservative or liberal: when the ground for Christian anti-Judaism disappeared over a half century ago, so did sources for contempt of any faith.


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Financial Wellness
Branching Strategy, It Starts with the Member
Historically branches are seen as transaction channels. Today, this view of branches has changed and continues to evolve. Members and potential members like the convenience of brick and mortar, they like the demonstration of financial strength and security. Still, the truth is, they rely less on branches for their daily, weekly, and monthly transaction business…Read More
Pandemic – Marketing Needs to Talk!
Like you, I have received several emails, seen numerous Facebook and Twitter posts on how banks and credit unions are handling the Coronavirus. Typically these posts and emails start with something like, "We care about your safety…" and then they talk about how they are making banking safe by cleaning their branches and protecting their…Read More
Financial Literacy vs Financial Wellness – a Consumer's View
Credit unions and banks across the country have financial literacy on their to-do list, but what consumers need/want is a roadmap to financial wellness, not just financial literacy. Well, what's the difference? Financial literacy is about understanding money basics. Typically the curriculum includes topics like "how to balance your checkbook," "what is a savings account,"…Read More
Grow Deposits and Liquidity, Three Strategies
"The times, they are a changin'." This famous refrain from Bob Dylan's song (https://www.youtube.com/watch?v=e7qQ6_RV4VQ) is as real today as it was in the early 60s, especially when we look at deposit needs for financial institutions. In 2008, FIs had to shrink deposits as a tactic to keep their expense ratio in line with the regulators.…Read More
Five Strategic Questions for the Board and Senior Management
It's a strange time for credit unions. Credit unions are facing unprecedented pressures from regulators and examiners, and capital pressures for net interest margins and fee income. Often they don't have the benefit of "economies of scale" or the resources, people, and capital, to invest in the infrastructure demands of vendor due diligence, regulatory compliance…Read More


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@Harris1021 We would suggest getting in contact with the original owner of the account that you had the line and purchased the device on. Since technically they were the owner of the account at the time of purchase they can call in and say that the device is lost and needs it blacklisted. You may need to speak to that person and have them call our customer care team to undo that request.
Remember to always mark posts that resolved your issue with Accept as Solution. You can even mark multiple posts in a single thread. This will help other users find this information too! Use the Kudos Button to offer a thumbs-up for good content.


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Thursday, January 25, 6:30 p.m.
Osteoporosis, low bone mass and the structural deterioration of bone tissue, can lead to bone fragility and an increased risk of fractures. According to the National Institute of Health Osteoporosis and Related Bone Disease Resource Center, over 40 million people are diagnosed with osteoporosis or are at high risk due to low bone density. Approximately one in two women and one in four men, age fifty and older, will suffer from a fracture related to osteoporosis.
Join Physical Therapist Doug Merz and Exercise Physiologist Evan Strewler to learn safe exercises to curb and slowly reverse the effects of osteoporosis, and its precursor osteopenia, and help you build back your bone density.
Register online or call 952-935-2202. $20


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Increase in misdialed 9-1-1 calls may be caused by smartphones and smartwatches
An estimated 240 million emergency 9-1-1 calls are made from phones in the United States each year, with least 80 percent originating from wireless devices, according to the National Emergency Number Association.
Among those calls are an increasingly unhealthy number of 9-1-1 misdials, many coming from newer models of some cell phones and smart watches with a feature that activates an automated emergency call when side buttons are pressed multiple times — often accidentally.
Such calls present a time-consuming quandary for law enforcement.
"We really haven't sat down and taken a survey of how these calls have come in," Piscataquis County Sheriff's Office Chief Deputy Todd Lyford said. "But we've recently noticed that the [smart phone] with its automatic 9-1-1 calling seems to be what's really pushed the numbers up."
During the last week alone, the Piscataquis County Sheriff's Office received 14 9-1-1 misdials, a total that doesn't count those that may have been assigned during that time to local police departments in Dover-Foxcroft, Milo and Greenville.
That same office received 467 misdialed 9-1-1 calls during the first half of the year, then 49 more between July 1 and 7. Six of the July 1-7 calls were misdialed between 6 a.m. and 11 a.m. on July 7 alone.
"It's been a daily thing," Lyford said. "There's a myriad of reasons why people mistakenly call it and we're just trying to do the best we can to get it to slow down so we're not just running around chasing these ghost calls."
Cellphone and smartwatch misdials can happen without the owner's knowledge, such as when someone carrying a phone in his pocket while driving or riding in a vehicle is jostled in his seat.
"We've started getting a lot of calls from people on ATVs and in vehicles," Aroostook County Sheriff's Office Cmdr. Joey Seeley said.
"I guess if you bounce around a lot and hit one of the buttons three times there's a feature that dials 9-1-1," he said. "I haven't kept up with the technology part of it, but for whatever reason when I was reading the complaints in June I said, 'Holy, we're getting a lot of 9-1-1 calls.'"
The Aroostook County Sheriff's Office reported receiving 60 9-1-1 misdials during the first three weeks of June.
"That's a lot for us," Seeley said. "It consumes a lot of our time to determine if they're legitimate or not."
Officials in Cumberland County estimated earlier this year that 30 to 40 percent of their 9-1-1 calls were misdials, while the Kennebec County Sheriff's Office responded to 160 9-1-1 misdials in less than two months earlier this year.
Other examples include Grand Traverse County, an area of 90,000 residents in north-central Michigan, where of the 120 9-1-1 calls received in a given day, 30 are misdials or hang-ups — meaning an average of 900 misdials per month and more than 10,000 a year.
Law enforcement officials in metropolitan Calgary, Alberta, say they receive 300 accidental 9-1-1 calls per day.
The quickest solution for a misdialed 9-1-1 call is for the caller to remain on the line to confirm for the responding dispatcher that there is no emergency.
But many people whose cellphone or smartwatch misdialed 9-1-1 aren't aware their phones have dialed the number so they may not answer, or after realizing the phone has been misdialed accidentally, they merely hang up.
In those cases it is left to law enforcement to try to track down the caller to confirm there is no emergency.
"We try to make sure we check on every call because there are those times when someone is trying to make an emergency call and can't for some reason because things are going on and there is an emergency," Lyford said. "We don't want to miss a real emergency so we try to verify all these calls.
"If we can't reach them or don't get responses then we'll send someone out to check and make sure they're fine if we can locate them."
What sometimes exacerbates that scenario for law enforcement officials in rural Maine is the large tracts of land they are tasked to cover.
"What happens is say we get a call from the Allagash but you stay on the line and tell us you were setting up your phone or it just misdialed, then there's no emergency," Seeley said. "But we may have to get up there fairly quickly if there's a hang-up. We'd rather you just tell us up front that it was an accident."
Both Seeley and Lyford said there is no simple solution to the 9-1-1 misdial dilemma.
"I don't want to say people should shut [the emergency call feature] off, but if they're going to be active and have their phone with them and it has that feature, that they need to consider it so it won't call 9-1-1 accidentally," Lyford said. "If they feel they need that security we don't want to discourage it, but if they know they're going to be out there and feel comfortable not having it on, we would encourage that."


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Apple announces 4 new models of the Apple iPhone 12 series – iPhone 12, iPhone 12 mini, iPhone 12 Pro Max, and iPhone 12 Pro. It also announces the HomePod mini
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