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CJR Looking into Chances Senate Follows House's Repeal of CFPB Arbitration Rule
Senator Tom Cotton (R-Arkansas) was one of the leaders of the congressional effort to cancel the Consumer Financial Protection Bureau's (CFPB) rule that opens the door for more class action suits against financial institutions, but it's unclear if the Senate has the votes to follow the House and approve a resolution canceling the rule. Republican Senators Susan Collins of Maine and Lisa Murkowski of Alaska are reportedly awaiting feedback from business leaders in their districts before committing to voting for the resolution.
On July 20, twenty-three Senate Republicans introduced their own "resolution of disapproval." Under the Congressional Review Act, Congress may overturn a broad range of regulatory rules issued by federal agencies by enacting a joint resolution of disapproval within 60 days of the rules being announced.
The House voted 231-190 on July 25 to kill the rule.
GM Loses Out on Try to Have Asbestos Trust Contribute in Wrongful Death Case
U.S. Bankruptcy Judge Cecilia B. Morris (Southern District of New York) ruled on Monday (read HERE) that General Motors LLC may not sue a Manville Asbestos Trust to contribute to payments in a victim in a wrongful death case out of Ohio. The judge ruled that GM's rights against the Manville Trust are limited to the terms set forth by the Trust Distribution Procedure (TDP). GM's rights against the Manville Trust, if any, are limited to the terms of the TDP and GM must follow the procedures outlined in the TDP.
The complaint seeks a declaratory order that GM's state court action against the Manville Trust pending before the Henry County Court of Common Pleas in Ohio, General Motors LLC v. Anna R. Bolen, et al., Case No. 16CV0089 (the "Ohio Action"), is not enjoined by the channeling injunction contained in the JohnsManville Corporation's chapter 11 plan of reorganization ("Manville Plan") and this Court's accompanying orders and corresponding confirmation order ("Confirmation Order"). Am. Compl. ¶ 26. The Defendants filed a motion to dismiss the complaint, arguing this Court should abstain from issuing a declaratory judgment on prudential grounds. Mot. Dismiss 13–14, ECF No. 12 (hereinafter "MTD"). In the alternative, Defendants argue that the Manville Plan's channeling injunction and the 1995 Trust Distribution Procedures ("TDP") bar GM's Ohio Action against the Manville Trust. Id. at 15–21.
Circuit Court Says Judge Wrong to Sanction Lawyers
In August, 2016, five Arkansas attorneys were formally reprimanded by federal Judge P.K. Holmes in the Western District of Arkansas after stipulating to dismissal "for the purposes of seeking a more favorable forum and avoiding an adverse decision" in connection with the approval of a class settlement. Now, the 8th Circuit Court of Appeals rules that Holmes federal judge in Fort Smith was wrong in deciding the lawyers acted improperly. The lawyers' actions are permitted under federal court rules, according to an opinion written by the circuit's Chief Judge Lavenski Smith.
The case was Mark and Katherine Adams v. United Services Automobile Association (USAA).In the case, the Adams's accused USAA of not honoring its duty by depreciating the labor costs that would be incurred with repairs to the properties.
The plaintiff's attorneys initially said they believe that "hundreds if not thousands" of Arkansas policyholders had been damaged by USAA's actions and asked that the case be certified as a class action.The case remained in federal court for 17 months when in June, 2015 lawyers for the plaintiffs and USAA voluntarily dismissed it and filed the next day in Polk County Court. A deal was immediately approved that Judge Holmes said limited payments to claimants, but secured attorneys fees of $1.8 million.
A reporter with Arkansas Business, Mark Friedman, said the Judge wasn't aware that the case had been refiled until he read about it in Arkansas Business.
"Defense counsel removed this action to federal court and then took advantage of the more difficult certification and settlement process in this forum to negotiate a settlement designed to result in a lower payout to an over-inclusive class in exchange for a high attorney's fee," the Judge's April 15 opinion said.
Copyright © Civil Justice Report 2017


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Almost 60 percent of Idaho voters are Independent. Since Republicans closed their primary, these voters are now called "Unaffiliated," recorded at your county courthouse during primary season.
I am one of these voters. I have struggled over the last two years figuring out these new rules, and I haven't been alone. Primary voting has diminished in our state as a result of the closed primary.
Now the general election is upon us, and we are free to vote for any candidate. We unaffiliated tend to swing toward Republicans. This year we need to be more thoughtful when considering the incumbent candidacy of Sen. Jim Risch, Rep. Raul Labrador, and Gov. Butch Otter who are collaborating with Western Pacific Timber to legislate away nearly 40 square miles of public land in the fiasco known as the Lochsa Land Exchange.
Western Pacific Timber LLC has questionable underpinnings. Their ability to gain audience with the highest offices in our state should concern every Idahoan, especially given the staunch public opposition to the land exchange from the beginning.
Your vote this year may determine the integrity of both our public land and public officials. Vote for those candidates who reject the Lochsa Land Exchange.
Marilyn Beckett
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16 January 2012
Live In Session on Radio Tircoed
I will be playinjg live in session on Radio Tircoed's the Acoustic Programme this Friday evening - 20th January 2012.
The show is presented by Stu Loosemoore and Andy Boyt and will be on 8pm-10pm UK time.
You can listen on-line:
Radio Tircoed
Just go to the site and click the 'Listen Live' tab.
Posted by Steve Kelly at 18:58
Labels: Andy Boyt, Endless Records, Radio Tircoed, Steve Kelly, Stu Loosemoore, Wales
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Choir of Young Believers – "Action/Reaction"
True Brian Wilson love is shown here by Choir of Young Believers – aka young Danish singer-songwriter and producer, Jannis Noya Makrigiannis. Actually this sounds like a blend of Air (the French poptronica duo) and Pet Sounds, spiked with sweetly cynical lyrics reminiscent of The Pixies. The towering vocal harmonies really do sound like a choir of believers – quite a trick from a solo artist. Gorgeous work.
Choir of Young Believers
"Action/Reaction" (mp3)
from "This is for the White in Your Eyes – Bonus Track Version"
(Ghostly International)
Need more!


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Short edit showing Factory FMF/KTM riders Russell Bobbitt and Kailub Russell putting in some laps this winter in Georgia. © Kirkpatrick Digital Cinema.
Democrats fill Russell's vacant council nomination
"I needed this. This just makes my day," Amber Bobbitt said after accepting the nomination to run for city council. Fairfield County Democrats were left to fill an at-large Lancaster city council seat after the previous nominee, Greg Russell, was
LANCASTER - Running for Lancaster city council seems to run in the Bobbitt family. This just makes my day," Amber Bobbitt said after accepting the nomination to run for city council. Fairfield County Democrats were left to fill an at-large Lancaster city council seat after the previous nominee, Greg Russell, was nominated to run for Lancaster mayoral race in November. Russell accepted that nomination in March. The meeting Wednesday evening at the party's headquarters, 118 N. Columbus St. , began with a moment of silence for the death of Betty (Reid) Arent. The mother of first ward councilwoman Melody Bobbitt and grandmother of the evening's nominee Amber, Arent owned a grocery store for 30 years on Cedar Hill Road and was a member of city council in the 1980s. She also owns Independence Hall. Before the death of her grandmother earlier Wednesday, Amber Bobbitt said she had prepared a speech. Though a short, passionate and tear-laden statement, she asked the executive committee to select her, but not because of the passing of her grandmother. Bobbitt said she helps Lancaster residents find jobs through her everyday work at a temp agency, and wants to continue to help the city. "My strength now is coming from my grandmother," she said. "I am so thankful she is watching over me. ". Bobbitt recalled growing up in the Democratic party, passing out literature, walking in parades, knocking on doors and staying late at the party's headquarters waiting for election results. "My grandmother's been in politics for as long as I remember," she said. She said running is part of her legacy. Bobbitt said her grandmother was still on city council when her mother first ran, and her mother was pregnant with her when she lost that race. Melody Bobbitt said her daughter's nomination is bittersweet. "I'm just thrilled that she can be a leader for the Democratic party," she said. And the 28-year-old said that as a millennial, Amber wants to move the party forward. "I want to step up. We need someone like me to step up and move this party on. I will fight for this Democratic party every day of my life. I just want your support," Bobbitt said. Bobbitt said she thought long and hard about running and earned the nomination on her own merit. She didn't want to hurt her mother's campaign, even though Melody is running unopposed this November. Melody said that she has talked her daughter out of running before because she was unsure how the citizens of Lancaster would see it. . Still, when Melody ran, her mother was on city council, and they faced no backlash at the time. "I hope people see it as a positive," Amber said. Through her grandmother and mother, she's seen how city council works firsthand and feels prepared. "I've wanted to run for a long time," Amber said. The executive committee vetted both of those interested in the open seat, Bobbitt and Diane Wogan Burnside, before Wednesday evening.
Russell's Thai Style Crab and Prawn Cakes (bread crumbs, crabmeat, eggs, fish sauce, coriander, black pepper, curry paste, green onion, lime juice, vegetable oil, shrimp)
Russell's Caramel Corn Recipe (popped popcorn, brown sugar, butter, corn syrup, baking soda, vanilla extract)
Savory Baked Eggs (bread crumbs, butter, eggs, green pepper, onions, black pepper, salt)
Cheesy Floret Soup (broccoli, butter, cauliflower, celery, celery seed, flour, milk, onions, cheddar cheese, water)
Office of the Provost - UT Arlington
Welcome to the Office of the Provost and Vice President for Academic Affairs at The University of Texas at Arlington. As the institution's chief academic officer, I ...
Gilbert McWherter Scott Bobbitt PLC - Justin Gilbert
Gilbert McWherter Scott Bobbitt PLC focus their practice in employment law, wage and hour violations, insurance disputes, and special education law.
Bobbitt, John 2
4-John Bobbitt of Chowan Precinct Chird's g-g-g-g-g-g-g-grandfather son of William Bobbitt from Wales family moved to NC in 1718 John's will Shaftesbury Precinct of ...


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Download Snail Bob 2 APK for Android
This Latest version of Snail Bob 2 includes several changes which Feature are mentioned below. You can Simply Download this
Snail Bob 2 directly from APK4Lite, You have to do 1 or 2 clicks for Direct Download on Your Mobile, Laptop or Tablet - Links given below.
Bob is a snail who needs your help to traverse dangerous obstacles and avoid bug baddies. Bob will simply crawl onwards regardless of the situation, and your job is to press buttons, activate machines and fill deadly gaps to keep this snail trailing.
Snail Bob 2 is the perfect game for parents to play with kids, sussing out the solutions together and having a ton of fun through.
– 90 levels spread across 3 unique worlds
– Find hidden stars and jigsaw pieces
– Dress up Bob in tons of unique costumes
– No IAPs or annoying ads, this is a safe premium game!
Find out why the original game has been played over a billion times in this thrilling sequel!


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The Apennines Tosco-Emiliano entered the UNESCO World Heritage
3 are the new italian sites who have just become Unesco World Heritage (9 June 2015) and that are going to be added to an international list that contains the most beautiful and best preserved locations of the world, in terms of natural heritage, art and culture: the Apennines Tosco Emiliano, the Po Delta and the Ledro and Judicaria Alps. So a great success for our region Emilia Romagna that gains 2 location.
UNESCO, enrolling the three new sites in the 'list of biosphere', highlights the extraordinary wealth of biodiversity and landscapes of our country and, at the same time, recognizes the ability of local communities to be able to find the right balance between Man and Nature, valuing all human, natural, cultural, scenic and productive resources in the area.


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It seems like half of the movies that come out these days are inspired by a true story. And they always seem to really throw that in your face ... in the preview at the beginning of the movie. Is that really something that you should be touting as a film maker? Pretty much just means that you found some story and filled in all the trimmings.
If I ever make a movie, it's gonna be fiction and the preview is gonna start with a black screen and this text:
Saturday, September 2, 2006
Inspired by a true story
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Bill joined the Arts Council February 2013 and was elected chair July 12, 2018. He is a life-long educator and communication professional. Noteworthy, from 1976 'til retiring and moving to Florida in 2005, Bill was a Radford University (in Virginia) professor and administrator. He is also an experienced television/video producer and team leader. He has chaired or provided leadership on many strategic planning projects. Bill served as member of Radford, VA City Council (1994-98) (1993-94). He understands the value of a regional identity for targeting community development opportunities across the public & private sectors. He enjoys actively playing the string bass in several music venues including the Hernando Symphony Orchestra. Having served as past president of Hernando Symphony Board of Directors and by now serving as Chairman of the Hernando County's Arts Council, Bill encourages participation in both the visual and performing arts by all citizens.
Beth fell in love with Brooksville the first time she set eyes on the blazing azaleas and dogwoods in full bloom in 1976, and knew it would be home.
Her affection for Hernando County led her to the Arts Council in 2016 and remains strong after these many years of raising a family and enjoying a career in public school and university teaching, and as a communications manager at a regional government agency. Her professional management experience makes Beth a perfect fit for coordinating the Community Arts Grant Program and chairing the Strategic Plan Implementation and Communications Committees.She's a long-time lover of art, and in retirement, she's become an enthusiastic art student as well.
Barbara came to Hernando County in 2010. Prior to this, she spent her 40-year career as an artist and arts educator in Maryland, North Carolina, and Kentucky. Her plan for retirement was to devote more time to art making, with favorite concentrations in ceramic sculpture and printmaking. The only problem with that, she said, arose when "the teacher in me was not about to sit silently on a shelf."
The need to nurture the creative arts in others has always been important to Barbara. To that end, she believes in two things. First, that creative thinking is the difference between an ordinary and an extraordinary way of processing the world we live in. Second, that all children should be afforded an abundance of opportunities to develop their intelligences through the creative arts. Barbara proclaims, "I really want the arts to be our children's drug of choice!"
With this in mind, she eagerly serves on the Hernando County Arts Council as a council member and the lead contact for the Education Through the Arts strategic initiative. The goal of this initiative is to support both the public and private schools by making more arts/humanities experiences available to students in our community in the areas of music, dance, performance, and visual art.
After moving to Brooksville in 2016, Tina and her husband Mike became local business owners and jumped right into community activities, including being appointed to the Hernando County Fine Arts Council, where she is well situated as Council Treasurer, thanks to 40 years experience as a bookkeeper and corporate accountant, and in the non-profit world, a financial professional and special events manager.
Tina volunteers at area events, including the Council's annual Art in the Park show, and feels strongly that the arts play a vital role in the success and sustainability of any community, and hopes her experience and abilities will enhance her effectiveness on the Council.
Tina and Mike look forward to expanding their wings by exploring all the great things there are to see and do in Hernando County, like hiking, biking, kayaking, and relaxing at home reading and doing crafts.
Born in Brooklyn, New York, Paul grew up in Hackensack, New Jersey. After serving 3 years in the Army, Paul attended classes at New York University while working at a family-owned member firm of the New York Stock Exchange. After a 40-year career in the stock brokerage industry, Paul retired. He and his wife spent several years traveling throughout the U.S, and Canada before building their retirement home in Weeki Wachee's Glen Lakes.
As an amateur painter, Paul set up a studio in his garage and joined the Spring Hill Art League in 1988. He became quite active, serving as Chairman of the Art League's annual Fall Harvest of Art for ten years. Paul is primarily a self-taught, award-winning artist who strives to create an uncluttered work with clean lines, and bright, bold color that he hopes strikes an emotional response. With his passion for bold color, Paul jokingly comments, "I never met a color I didn't like."
He was appointed to the Hernando County Fine Arts Council in 2013. After serving as Council vice chair for more than 4 and one-half years, Paul received the honorary title of Vice Chair Emeritus on July 12, 2018. Paul continues in his role as co-coordinator of the annual Art in the Park Festival.
Andrea is originally from South Carolina. She holds a Bachelor's in Education and certification in Speech Language Pathology. She and her family have resided in Spring Hill for the last 17 years. She has been in the educational system for over 20 years. Her interest in the arts stems from her dedication to youth development.
Being the mother of four children educated in the Hernando county school system, she feels that youth involvement in the arts is key in developing their creative thinking and problem solving skills. In her spare time she enjoys designing and creating her own paper crafts. Her husband is also a member of the council.
Chris is a native of South Carolina. He holds a Master's degree in Adult education and currently works as an admissions manager for a national college. He has resided in Spring Hill for the past 17 years. Other than the arts council, Chris is involved with several non-profit organizations within Hernando County. His interest in the arts stems from the involvement of two of his adult children who mentor and teach school age children in dance, art and drama. Chris personally enjoys public speaking and music of all types. He is married to Andrea Freeman, who is also an arts council member.
When Marcia finds something she enjoys, she sticks with it. For example, she has the longest tenure in the county, perhaps the state, of being a poll worker--45 years. She has been a member of the service sorority Beta Sigma Phi for 51 years where she participated in many service projects benefiting the community, and she's even been on the same bowling team for 45 years! She is especially proud of fundraising for the Dawn Center and The Life Center to help abused and homeless women.
Since joining the Arts Council in 2017, Marcia, Volunteer and Membership Co-Coordinator, helped launch the Very Important Partner program for the Council and enjoys working with volunteers. Marcia's personal tastes in the arts are wide-ranging and eclectic, but she especially loves the work Dale Chihuly does with glass. Born in Hornell, NY, Marcia and her family moved to Florida when she was just a child, settling in Brooksville in 1966. She's stuck with Hernando County, too!
The Council's longest-serving member, Roger Carlton Sherman joined the Arts Council in 2010, and served as chair December 2011─December 2013. Roger has been active in the arts his entire life and first organized an exhibit with the Ambassador of France of the posters of Henri Toulouse-Lautrec in 1958 while a student at Lakeland Senior High School. While his degree is in Advertising and Communications, he studied art at Florida Southern College and Florida State University. He has served as a Commissioner of the St. Petersburg Arts Commission, Chairman of the Henry B. Plant Museum in Tampa, Chairman of the Museum of Science and Industry (MOSI), co-founded the Order of Salvador at the Dali Museum in St. Petersburg, and donated exhibitions to museums and libraries in Tampa, Lakeland, Brooksville, St. Augustine, Monson, and Plymouth Massachusetts. He is a former Chairman of the Hernando Arts Council, Vice Chairman of the Brooksville Beautification Board, Vice Chair of the Great Brooksvillian Screening Committee, and an officer in the Historic Hernando Preservation Society, Inc.
Peggy is an active volunteer in the local community and she loves to get others involved as well. She has served as an officer in the Brooksville Garden Club, is a member of Friends of Chinsegut Hill and has assisted in development of The Life Center. Peggy joined the Arts Council in 2016 and serves as the Volunteer and Membership (VIP) co-coordinator.
Serving as the Volunteer Coordinator and a Board member for Operation Heart F.E.L.T. (Feeding Empty Little Tummies) and on the Arts Council fulfill Peggy's commitment to invest in the lives of local children. To see children come alive when they learn something new or become something special they desired to be or do is very exciting for Peggy.
A resident of Brooksville for the past seven years, Peggy moved from Texas in 2006 after being widowed in 2003. She is the mother of one daughter and a proud grandmother of three beautiful grandchildren.
The Hernando County Fine Arts Council is proud to have former Great Brooksvillian Jan Knowles as its project coordinator.
Her resume includes spending 18 years as president of the Hernando Historical Museum and serving as president of the Friends of Chinsegut Hill.
Jan has also served as a board member of the Historic Hernando Preservation Society, 17 years as the chairwoman for the Brooksville Raid Re-enactment, first vice president of the Hernando Tourism Council, a board member of the Hernando County Fair Association, executive director of the Hernando County Fine Arts Council, treasurer for the Brooksville Mural Society, an advisory committee member for the Brooksville Cemetery and the Rails to Trails project.
In addition, Jan, along Paul Shaskan, chairs the successful Art in the Park event.
Mailing Address:
P.O. Box 1265, Brooksville, FL 34605
Email: firstname.lastname@example.com
Phone: 352-587-8062


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First Time Home Buyer Mortgage provides a loan to the person who purchases the home for the first time.
It involves effort, time, money and sometimes you may get confused with all the information due to lack of knowledge about the loans available. There are many mortgage programs available which will lead you to the way of buying a home.
Before choosing a home mortgage loans, you need to look for different lenders, choose the lender according to their experience in the field. These lenders of first time home buyer mortgages will provide various options and also helps you in the buying process. These mortgage programs are very flexible and very easy to afford, and your lenders will help you by providing the best available rates in the market.
These first time home buyer Mortgage loans help a lot for those who want a lower initial payment. Even there are many real estate brokers who help you in finding out the available rates in the industry also helps you to get a good deal. These brokers are paid by the seller, not by the buyers. Even the government offers some programs for the first time home buyers like FHA loans, VA loans and a special loan for those who are will to purchase in the rural areas and many more.
As a first time home buyer never get discouraged if your credit is less than the perfect there are many companies who assist through their mortgage lender and the broker offering approximately 300 loan programs from nearly 65 mortgage lenders. But sometimes the person who has bad credit will be charged more for the interest because it involves higher risk. Therefore, for the people who have bad credit will be charged more when compared to good credit people.
You can even find these mortgages online. The main advantage of finding these programs online is you will get a lot of options like options for the lenders, brokers, and mainly you can compare all the rates which are available with you and decide the one which you can afford. Sometimes you can even get information like they tell you online whether you qualify for the loan or not. Some of them offer you with the free services and helps in buying the home faster and smarter.


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Authors: Kyaw Naing, Thant Zin Phyo
Vietnamese Americans are one of the fastest-growing ethnic/racial minority in the United States. However, there is scant knowledge on the issues related to healthcare among Vietnamese Americans. And they face serious barriers to medical care when they receive care. There are three major disparities in healthcare for Vietnamese immigrants in the United States. First is language and communication barriers. Second is cultural barriers that can lead to misunderstanding and underutilization of healthcare services. Besides language and cultural barriers, the serious barrier that Vietnamese immigrants faced is the low socioeconomic status that prevents many Vietnamese immigrants from ability to afford healthcare services. Due to these reasons, Vietnamese Americans are disproportionately affected by many health disparities.
Keywords: Vietnamese immigrants; healthcare; disparities.


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Street Fighter 5 released earlier this year for PS4 and PC only a few months after being initially announced. The game has definitely not sold anywhere near as well as hoped, so many have been wondering if Capcom may go against their early promise of no additional releases of Street Fighter 5, but Capcom has now reaffirmed that they will not be making a Super Street Fighter 5.
Ever since Street Fighter 2, we've seen countless re-releases of each of the games in the series, with Street Fighter 4 definitely taking this to new levels. This is definitely frustrating for some players, and Capcom made the surprising announcement that they would be going against this trend with Street Fighter 5 and having it be the only release. Instead, they would have season passes you can buy to get more characters, though you can earn all of them by grinding in game as well.
The release of Street Fighter 5 was criticized for being incredibly bare bones, which likely led to its disappointing sales numbers to date. However, Capcom is not looking to stray from their original vision on the game, as they revealed in an interview with EventHubs.
"If someone wanted to start playing SF5 right now, they wouldn't have to worry about the possibility of their purchase becoming obsolete in time though they would need to fork over a pretty sizeable chunk of change if they wanted all characters immediately instead of grinding for them.
"Even now, the price point of the main retail offering has dropped, which is essentially the starter version of the game. However, even if we come up with new models, we are still committed to our promise that the initial release is still the only version you'll ever need to own with all game updates and balance adjustments available for free."
This is definitely good to hear, though we hope that Capcom does a better job at providing value with the season passes and such that they offer. Outside of the first few characters, the level of grinding required to unlock other characters is pretty ridiculous and hopefully they can find a way to alleviate that a bit in the future.


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In this tutorial, we will see how to use Photoshop filters and brushes to create an ink splattering knight composition. This is a relatively simple technique, which yields excellent artistic results.
|The texts and images are copyrighted to 10Steps.SG and their respective owners. You CANNOT copy the whole tutorial, either in English or translate to another language.
Download Knight Slashing with his Sword from ShutterStock. Create a new document of size 600×800. Resize and place your downloaded Knight into the document as shown below.
Select the Knight layer and create a Layer Mask. Using the Brush tool with black color, paint on the unwanted areas in the mask to crop the Knight out of his background. After you are done, go to Image > Adjustments > Desaturate.
Download texture background from Krakograff. Place the downloaded texture behind the Knight. Select the texture layer and go to Image > Adjustments > Destaurate. Reduce the Opacity of this layer to 20%.
Hide the Knight layer temporary. Download Watercolor Splatter Brushes from QBrushes. Load the downloaded brushes into Photoshop and paint a few splatters with black color as shown below. Hide the Splatters layer once you are done.
Unhide the Knight layer. Go to Image > Adjustments > Levels and key in the settings as shown.
Go to Image > Adjustments > Posterize. Key in 2 for the Levels.
Go to Select > Color Range. With the color picker, click on white color in the document to select all the white areas.
Unhide the Splatters layer and create a Layer Mask with the selection loaded in the earlier step. Hide the Knight layer.
Add some smaller splatters around border of the ink knight to break from the original shape.
Unhide the Knight layer. Reorder layers so that the Knight layer is at the top-most. Select the Knight layer and go to Filter > Stylize > Glowing Edges. Key in the settings as shown below.
Go to Image > Adjustments > Invert. Set the Blend Mode of Knight layer to Multiply. You will get a nice outline of the originial knight image.
Create a new layer and add a large red splatter as shown below.
Create a new Levels Adjustments Layer. Set the values as 49, 1, 255.
Add in your texts with a font that matches the overall theme.
Finally, flatten all the layers and go to Filter > Sharpen > Sharpen to bring out more details. That is all, I hope you enjoyed the tutorial. Thanks!
Here is my finished product I love this! Did an amazing job :D!
Thanx a lot ur work is very nice
veeeeeeeeeeeeeeeeeeeery good
like it
thanks alot mr.Johnson..
Awesome Thought… great execution!
Great stuff! am an upcoming graphic designer and i wanna be everything…u ar helping. thanks!
this is great and very helpful
great tutorial, thanks for sharing..
very nice effect.
Added this Tutorial to Tutorialfox.com
Thanks awesome tut !
it didn't work for me, why you always skip steps people?
Great work I love your tuts. I am new to this techie/designer blog experience. I like Noupe a lot too. I have stumbled across a few other blogs like
I wonder if some on can put up a list of these it would be useful.
I tried it with a different photo. HOw come it doesn't work?
Its good and all but your skipping steps. i can see you duplicated the knight image to get that detail of the sword and helmet.
Very cool idea! We posted a link to your tutorial at bestphotoshoptutorials.net.
Nice tutorial, love the way you incorporated the blood into the psd
i cant quite figure out what you are doing at the 8th picture can shomeone help me? (after the colerrange pick with creating mask)
Very crazy :D. i like this effect. Thanks so much
Nice tutorial, gr8 job.
Thank you.
thank for share
so artistic
Good work


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This spacious well-equipped apartment is situated next to the charming old Vaujany village and just 150 metres from the ski lifts. The apartment has 3 bedrooms and is spread over 2 floors to comfortably sleep 8. On the ground floor there is an open-plan kitchen, sitting room/dining area to seat 10 with a wood burning stove along with a shower room and WC. From the living room there is a lovely balcony with views of the Grande Rousse Massif and valley below.
On the first floor there is a double bedroom with balcony and views over the black ski run 'La Fare' to Vaujany. Also on the 1st floor is a twin bedroom with balcony overlooking village and dormitory bedroom with 4 singles with balcony overlooking village, bathroom and WC. The dormitory bedroom has a sloping ceiling and is suitable for either 2 adults or 4 children.
The apartment also has a garage with ski boot heater, storage, freezer and washing machine.
Fresh linen and towels provided and prices include utility bills. This apartment comes with an end of stay clean included too!
And logs are available for the wood burning stove.
"It was a lovely apartment, very spacious and everything needed there. Good sized rooms, comfortable beds and a lovely wood burner which kept the place really warm. The apartment is in the perfect location to arch the lift up for skiing. I would highly recommend this place, and happily go back there." M Aylward Dec 2016


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Nature reserve wind turbine plans shelved
Controversial plans to put 18 wind turbines on a nature reserve near a major motorway have been shelved.
The Lancashire Wildlife Trust (LWT) included the wind turbines in its outline planning application for the Brockholes Nature Reserve, but has decided to remove them from the full application after several objections were raised by individuals and town planners.
Objectors had been concerned the huge, noisy, wind turbines could distract drivers on the nearby M6 and prove a blot on the landscape.
LWT Brockholes project manager Ian Selby said: "Planners said if you have these it will make the site look more like an industrial site and not a natural landscape."
Feedback from the initial application has also led the Trust to finalise the location for the new floating visitor centre – the result of an international design competition won by Adam Khan Architects.
The distinctive floating island will now be located out of view of the motorway after the Highways Agency said it could distract motorists.
The centre will now be located on an area of the site in between the motorway and the River Ribble.
By Josie Hill
12 June 2008
This article is the work of the source indicated. Any opinions expressed in it are not necessarily those of National Wind Watch.
|Wind Watch relies entirely
on User Funding


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Class Says 'Dream Water' is Snake Oil
SAN DIEGO (CN) – Two Florida companies are "preying" on sleepy consumers by selling them pricey "Dream Water" – at $20 a six-pack – but it's just snake oil, a San Diegan says in a class action in Superior Court.
Joe Ferris says Dream Products and Sarpes Beverages push their Dream Water as a "miraculous" product that "works for anyone who needs to relax, fall asleep or stay asleep."
"Dream Water, according to defendant, has no side effects and provides its amazing sleep benefits without making users feel groggy or drowsy the next day like other over-the-counter and prescription sleep aids. Although defendant uses images and language to represent that these claims about its products have been clinically proven and endorsed by medical organizations and professionals, the reality is that defendant has no such support for its baseless representations. Defendant simply is and has been misrepresenting the effectiveness of its products to the general public, in order to reap windfall profits," according to the complaint.
Ferris says the defendants push their product with "misleading testimonials," among other things, in airports, over the Internet and in "popular national retail chains including Walgreens and K-Mart. Dream Water is sold in a variety of 'flavors' in both 8 ounce 23 bottles and in 2.5 ounce 'sleep shots'. A six pack of either the 8 ounce bottles or the 2.5 ounce 24 'sleep shots' retails for approximately $20.00."
Ferris says the defendants claim the stuff works through three "natural" ingredients: GABA, melatonin and 5-htp. He says he bought Dream Water based on the defendants' "deceptive Dream Water promises … lost money as a result" and "experienced none of Dream Water's advertised benefits."
Ferris says the defendants claim, falsely, that their water works better than FDA-approved sleep aids, and push the product as a "safe and effective cure for sleep disorders."
But "In reality, defendant has no support whatsoever for these claims. It has conducted no studies examining the safety or effectiveness of its 'proprietary' combination of the effective ingredients in the Dream Water products let alone the products themselves. Defendant is simply selling snake-oil as a purported cure for one of the most important health problems faced by millions of Americans," the complaint states.
"Defendant claims that Dream Water is 'all-natural' and that it is 'safe as a warm glass of milk.' But Dream Water includes and promotes the use of melatonin. Medical professionals note that melatonin has 'inconsistent' effects as a sleep aid, that '[t]here are many unanswered questions about melatonin' and that melatonin may lead to daytime drowsiness, headaches, dizziness, stomach discomfort, short-lasting depression symptoms, mild tremor, mild anxiety, irritability, and confusion. Melatonin may interact negatively with a variety of common drugs, including blood-thinning medications (anticoagulants), immunosuppressants, diabetes medications, and birth control pills. People who are pregnant, breast-feeding, and younger than age 20 must be especially careful when taking melatonin. Risks of taking melatonin are thought to increase over time. Upon information and belief, melatonin was recently banned for over-the-counter use in Canada, and has been banned for over the counter use in many European countries for some time. Defendant does not disclose any of melatonin's potential negative effects or implications."
Ferris seeks class damages of less than $5 million for violations of consumer and business law, unfair competition, false advertising, and breach of warranty.
He is represented by Derrick Coleman with Coleman Frost of Encino.


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The Stripping of the Altars: Traditional Religion in England, 1400-1580, Second edition
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|Format: Paperback
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|Publication Date: 2005
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From reviews of the first edition:
A magnificent scholarly achievement [and] a compelling read.Patricia Morrison, Financial Times
Deeply imaginative, movingly written, and splendidly illustrated. . . . Duffys analysis . . . carries conviction.Maurice Keen, New York Review of Books
This book will afford enjoyment and enlightenment to layman and specialist alike.Peter Heath, Times Literary Supplement
[An] astonishing and magnificent piece of work.Edward T. Oakes, Commonweal
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Patricia Morrison, Financial Times
Deeply imaginative, movingly written, and splendidly illustrated...Duffys analysis...carries conviction.
Maurice Keen, New York Review of Books
This book will afford enjoyment and enlightenment to layman and specialist alike.
Peter Heath, Times Literary Supplement
[An] astonishing and magnificent piece of work.
Edward T. Oakes, Commonweal
Editorial Reviews▼▲
"This book will afford enjoyment and enlightenment to layman and specialist alike. Duffy sweeps the reader along through its six hundred pages by a style which eschews both jargon and pedantry, by his lively and absorbing detail, his piercing insights, patient analysis, and his vigor in debate."Peter Heath, Times Literary Supplement
"With the publication of this book, a kind of map or illustrated atlas of late medieval English Christianity, English Reformation studies will never be the same again."Patrick Collinson, Times Higher Education Supplement
"A magnificent scholarly achievement, a compelling read, and not a page too long to defend a thesis which will provoke passionate debate."Patricia Morison, Financial Times
"Sensitively written and beautifully produced, this book represents a major contribution to the Reformation debate."Norman Tanner, Times
"Unfailingly temperate, judicious, and scholarly. . . . [The book] has a fascinating story to tell."James Bowman, Sunday Telegraph
"The first serious attempt by a historian to restore Mary's reputation in more than four hundred years."Simon Denison, Sunday Telegraph
"[This book] at last gives the culture of the late Middle Ages in England its due, and helps us to see the period as it was and not as Protestant reformers and their intellectual descendants imagined it to be. . . . A monumental and deeply felt work."Gabriel Josipovici, Times Literary Supplement
"This is a remarkable and significant work of historical 'revision,' which cannot be dismissed as a product of nostalgic longing for a Catholic past."Anne Murphy SHCJ, John Pridmore, The Way
"[A] vigorous and eloquent book, a work of daring revision and a masterpiece of the historical imagination. . . . At once meticulous and lush. . . . A wholly compelling book, this will appeal to any reader who wants to enter and understand another world."Benjamin Schwarz, Atlantic Monthly
"Revisionist history at its most imaginative and exciting. . . . [An] astonishing and magnificent piece of work."Edward T. Oakes, Commonweal
"A valuable source of information supported with excellent illustrations and bibliography."Choice
"The importance of this book is that it affords opportunity to look broadly and comprehensively at the religious life of women and men before and after the separation from the Roman obedience and so take the measure of that life that in the continuum of English church history it can be noted and honored."David Siegenthaler, Anglican Theological Review
"Deeply imaginative, movingly written, and splendidly illustrated."Maurice Keen, New York Review of Books
"A landmark book in the history of the Reformation."Ann Eljenholm Nichols, Sixteenth Century Journal
"A moving elegy for the pre-Reformation Church, full of evocative detail."Thomas Cocke, Churchscape


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Originally Published: January 1, 2018 6 a.m.
Are you ready to embrace 2018? Well, ready or not, here it comes. Time, once again, is marching into the beginning of a new calendar, pulling us along with it. That old illustrious half-ton ball in Times Square has already dropped like a rock, bringing in the New Year. Don't forget, we in Prescott had our annual Boot Drop on Whiskey Row. A six-foot illuminated cowboy boot slowly lowered down The Palace Building's flagpole is a sight to behold!
Did you know that there has been some sort of New Years celebration for more than 4000 years? This is the oldest of Holidays and was first observed in ancient Babylon with a festival that lasted for 11 days! They were the original party animals! Of course, lots of folks all over America like to slow down and enjoy a few drinks, good company and all manner of festivities to usher in the New Year.
My colleague has made a resolution to stop shopping in 2018 (drastic). I have a friend who has a resolution to train her Arabian for a 100-mile race (crazy). Can you imagine sitting in a saddle for 100 miles? One of my daughters wants to lose 10 pounds, a grandson wants to "master" snowboarding and a close friend wants to learn to fly a plane. Another colleague has a wife who claims she will not cook a meal for the entire year of 2018, so that she can "rest" her culinary skills and "free" herself to "do more important things." Hmmm . . . in my house, not cooking translates to not eating. Oh and let's not forget, this is the time to "reinvent" ourselves. Not exactly sure what that means, but it is a very popular phrase that signifies "I will be different in 2018."
I suppose this begs the question: why bother with making New Year's resolutions?
Aren't they those impossible little statements of things we will do or goals we will achieve that only create disappointment? If we must make New Year's resolutions, why not promise ourselves things that we can actually accomplish? Let's be bold! Together, we can gain 10 pounds in 2018!
Oh, and let's spend less time exercising and more time lounging around. And we should plan on procrastinating a little bit more.
We will not de-clutter or clean our garages! Dear Readers, we can conquer 2018 with a more reasonable attitude!
So in 2018, let's not worry about getting a year older or other troublesome things. And who cares if we don't fulfill every goal?
We still have a chance to reflect on the year past, make a plan for doing something new, like flying a plane or losing a few pounds. But do not feel guilty for keeping at least one tiny bad habit! We have a entire year to "work on ourselves." Dear Readers, dream big, celebrate like the Babylonians, ride 100 miles and have a Happy New Year.
Judy Bluhm is a writer and a local realtor. Have a story or a comment? Email Judy at email@example.com.


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Organizations across the country are increasingly developing policies that prioritize health and wellness, In Greater Cincinnati, there's a new generation of change-makers preparing to lead the way for their communities.
Recognizing this, The American Cancer Society (ACS) and United Way of Greater Cincinnati (UWGC) partnered to offer training in organizing techniques to help students become advocates for increased access to healthy eating options and physical activities on their campuses.
On April 8, students representing the University of Cincinnati (UC), Xavier University (XU), and Miami University of Ohio (MU) gathered at University of Cincinnati's McMicken Hall to attend the four-hour "Creating Healthy Changes" session. Planners from ACS and its Cancer Action Network (ACSCAN) organized and staffed the day, partnering with Project Impact students through the Lindner College of Business at UC.


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Marianne (2011)
Dir. and written by Filip Tegstedt
Starring Thomas Hedengran, Dylan M. Johansson, Sandra Larsson, Peter Stormare,
What we got is here is an interesting and enjoyable Swedish family drama, with a very, very light sprinkling of horror. Probably in all honesty a little too light, at least for me. The horror is pretty well done when it comes, but cumulatively there's probably only 10 minutes spread out across the 103 minute runtime. The rest of the time, it's a quiet and prickly family drama about a father (Thomas Hedengran, FROSTBITE) estranged from his teenage daughter (Sandra Larsson, MARIANNE) following the death of his wife. And it's a good quiet and prickly family drama about a father estranged from his teenage daughter following the death of his wife. But that's what you're gonna get here, so fair warning.
Basically, Krister, the dad, is a very repressed, reserved guy --even by Swedish standards-- trying to deal with his pain over the recent death of his wife and his guilt that he has been a pretty shitty husband and father. The first thing we see in the film is him ruining his family's vacation by secretly sneaking away to call his mistress. But he's not all bad; he seems to be trying the best he can to be a good father to his daughter now. It's just that he hasn't really earned the right to be taken seriously by her, and she resents him trying to step into her life now that her mom is gone. She's openly defying him and mostly living with her dorky pothead boyfriend "Stiff" (Dylan M. Johansson, Swedish citizen) despite her father's obvious need for help caring for his newborn child, her baby brother.
|Sittin' Pretty
But Krister has another problem, too. When he goes to sleep, he's visited by a mysterious ghost, who likes to stand around grinding its horrible teeth almost touching him. This is the horror part, but boy, just like THE CANAL it seems likely there's another explanation for why he's experiencing this. When he's pushed into seeing psychiatrist Peter Stormare (BAD BOYS II, BRUSIER) to help him deal with his stress, he's gently told that this is a common phenomenon called "sleep paralysis" and that many people suffer from it, particularly when they are experiencing severe stress, hint, hint. Unhappy with that explanation, he turns to his daughter's boyfriend, who suspects a more supernatural explanation and has some experience in this realm because he once saw an elf. When he was young.
All this raises a very important question: who the hell would ever go to Peter Stormare for psychiatric help? Absolutely guaranteed to leave you more crazy than you began, that's been his M.O since at least the early 90s.* But also, are we really supposed to seriously entertain the idea that this man is being menaced by a literal ghost? It sure doesn't seem like it, especially since his best source of information on the subject is the goofy pothead boyfriend. It does have some interesting discussion of Swedish folklore -- the experience of sleep paralysis has long been known as "Mare" in that country's legend-- but come on, I'm pretty sure we're not meant to believe this is real just because some Swedish stoner (and not even an acceptably metal one) claims an elf sighting somewhere in his past. I mean, I saw Bjork once too, but I dunno man.
Not that the ambiguity is a bad thing, exactly -- the movie treats the haunting episodes very seriously, and has a nicely creepy aesthetic for them (the tooth-grinding noise is genuinely a bit rattling, expect to hear it ripped off in an American movie soon). You certainly believe Krister is traumatized by the experience, but from our perspective his story is more tragic than terrifying -- he's a flawed guy grappling with his guilt and subconsciously projecting this turmoil into his dreams. There's actually something kind of sweet and vulnerable about this closed-off, macho guy feeling so persecuted and cornered that he's turned to some moron teenager in a desperate attempt to free himself. Yes, he looks ridiculous chanting and throwing seeds around to dispel the evil spirit, but it's sort of sad, too. He's so desperate that he'll submit to the indignity of talking about elves and fairies, but he still can't bring himself to look inward for an answer -- the stuff inside is just too painful.
|No, no, happy trees!
So it's an interesting and effective character piece, but as a horror movie it leaves a little to be desired. I think writer/director Filip Tegstedt is serious about making a real horror film --he personally financed the film by liquidating his assets and taking loans, in part as a protest to the Swedish Film Institute's perceived failure to support the genre -- but unfortunately I think this particular scenario doesn't make for a very effectively structured horror movie. Horror is all about escalation; it's about drawing the noose ever tighter, forcing the characters into more and more desperate and frightening situations. This one starts off not very horrific, and then actually gets less horrific as it goes along, as we learn more about who this guy is and why he's probably experiencing these things. An abrupt and mostly unsatisfying ending doesn't help things -- and trying to shoehorn in one last scare to this mostly dramatic tale only serves to disrupt the genuine pathos that has been building with the family conflict. You always gotta appreciate an attempt at a horror film with real dramatic weight, but this one might have been wiser either focusing more on the scary stuff or just dropping it altogether and contenting itself with being a solid relationship drama.
But even though there's plenty to criticize here, there's a lot to like, too. The cast is uniformly strong -- both father, daughter, and boyfriend are smartly cast and expertly craft complex characters who feel quite at home in the movie's universe. There's a subtle streak of deadpan Swedish humor anchoring the slightly exaggerated tragedy to an earthy, likeable tone that keeps things from getting too grim and self-serious. And the incorporation of Swedish folklore and mythology into the horror genre gives it something fresh and interesting, even if its anthropological tone is maybe a bit at odds with the movie's apparent desire to terrify (it also makes it an interesting comparison to this year's other interesting-but-too-uneventful Scandinavian "horror" film, THALE). So It's not a total waste of time by any means. But I wish it were as sure-footed with its genre conceits as it is with everything else. Then we might really have something here.
*OK, I think he's pretty normal in his tiny role as "young man" in FANNY AND ALEXANDER. But that movie is 312 minutes long and stars the entire population of Sweden at the time, so not a huge surprise that he didn't get a chance to do his Peter Stormare thing quite as hard as he would in later films.
|This is pretty borderline, but it just didn't feel right to give it the same three thumbs I've been giving to uninspired genre junk. It has some strengths, just not horror. Call it B-.


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Finally, Im getting some content up! The last few months have been a bit insane, but thats done for now I hope ;) I got a shiny new phone that makes getting pics posted pretty simple and painless, so along with getting pics of my painted figs up Im planning on doing some Tool & Gadget articles and maybe even some tutorials for stuff that doesnt get much coverage.
Anyhow- onto the Mercenaries!
Wednesday, January 19, 2011
Big Bada-Boomhowlers!!
Posted by Isabelle Dunlap at 10:00 PM
4 comments:
What exactly did you base them with?ReplyDelete
I like the sparse larger rocks on the base with the really fine texture overall.
Ron, From the Warp
Thats actually just a test basing, its some fine evergreen ballast, and then a bit of larger stuff mixed in. I still have to actually finish the basing, needs some weeds & grassy stuff. And a washings & dry brushing.ReplyDelete
I tend to hold off on basing until I get most of an army done, that way I can base them all at once and keep the results consistant :) But these guys have been holding down a shelf for about 4 years...
Ahhhh. Thanks.ReplyDelete
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Prologo have quickly gained favour in the pro peloton under such notable riders as Fabian Cancellara, Carlos Sastre and Stuart O'Grady. After spending a few months on the company's popular Scratch shape, we can see why.
The Pro T1.4 is an excellent example of a 'saddle-shaped' saddle – that is, one with a well-defined seating position front-to-back plus a slightly domed profile from side to side as opposed to ones that are flatter across the top in both directions like Selle Italia's SLR or Fizik's new Antares.
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In contrast to those flatter saddles that tend to concentrate pressure on the sit bones, the Scratch's more rounded shape tends to distribute pressure a little more evenly across the entire surface of your bum. As long as your hips aren't too wide (the shell measures a fairly narrow 134mm across), pressure on your soft bits isn't excessive though some riders will certainly still prefer less.
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Other nice details include reflective detailing across the rear edge, graduated rails for easy positioning and a rear accessory port for bags and lights.
A few oversights mar an otherwise superb saddle though. Even with titanium rails, our sample was surprisingly heavy at 243g (32g over the claimed weight) and while we appreciate the commodiously long 'sweet spot' offered by the modest fore-aft dip, the synthetic cover is so slippery that it was sometimes hard to maintain the position we wanted.
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CD Wow ordered to pay damages
I'm not sure who's in the right here
it's a pretty complicated subject. i don't really blame the labels for doing what they're doing.
The fact that this is about music is a bit of a red herring.
CD Wow had signed an agreement that they would not ship cheap goods from elsewhere into Europe and then broke that agreement.
It is similar to a case a few years ago when Asda (I think)tried to sell Levi jeans and undercut the company.
CD Wow may claim to be the consumers friend, but in business terms, they are trying to pull a fast one.
I think this had been on the cards for some time.
but i doubt that any of the BPI companies would do any different if they didnt already have the monopoly.
Personally im more against them demanding THAT much money, when essentially they dont need or deserve it.
I don't understand why they signed that agreement
if they're buying and selling legitimate goods then the only thing they've done wrong is breach that agreement
41million to pay and having all their assets frozen certainly seems a tad harsh
it's a grey legal area though.
the wonderful world of internet commerce :)
So what the deal now then?
I mean I just went onto the website and they are still offering CD's at around the £7 mark?! Will the prices be going up in the future?!
to 41 million pounds.
Might sound wildly off-topic...
but how do the people selling me really cheap, new CDs off the Amazon Marketplace get away with it? Are they not imported?
there won't have been any deals signed
by people off of amazon marketplace


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RJT Foundation Founder Denise Brown is an Administrative Specialist with a Degree in Public Administration- She is well known for her passion to help others who might be in need with a special focus on children.
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Several months after the death of her brother and her son and his friend who all passed away on the same day, she called a meeting with another mother (Renee Jones) whose son had also been murdered in October 2011. Ironically, all three of the boys had been best friends since elementary school and they would all die as a result of violence (Drive-by-shooting). At the meeting Mrs. Brown discussed with Mrs. Jones her vision and how the Lord had laid it upon her the desire to start a foundation in memory of the boys and said it should be named RJT using the initials of each one of their first names. Mrs. Jones did not hesitate and agreed that this would be a wonderful thing for the community. The both of them had been so moved by the vision, that they immediately began preparations to put the vision into a reality. They believe that someday, somehow this foundation and its mission will grow nationwide. The decision would not be final until they spoke with the mother of Ja'Quevin (Jacklyn Hall). Once Ms. Hall was informed about the plans, she did not hesitate to agree that this would be a positive move. They all three agreed that not only would this foundation be a help to other families that experience the same pain that they had undergone; moreover, the foundation would prove to be a therapy for them as well. On June 16, 2012 the decision was made between the three mothers that their son's death would not be in vain. God had won the victory and his work would be done. They would become the Missionaries of RJT Foundation Inc. doing the work of "Women Supporting Families of Murdered Children".


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Moin Azmi
Mr. Moin Azmi Email: email@example.com
Moin Azmi
Moin Azmi is a practicing Solicitor, a Director and founding member of AML Solicitors of Manchester.
He specialises in the areas of Civil Litigation, Public Law and Human Rights Law and has been involved in numerous cases for over 15 years.
He holds key positions and has been involved in advising numerous prominent figures and organisations both in the UK and internationally. He has also participated in advising the Home Secretary appointee, Lutfur Ali on the Judicial Inquiry into the murder of Zahid Mubarek - battered to death by his racist cellmate at Feltham prison.
Moin has contributed towards a number of articles and actively assists in research projects. He is a Solicitor Advocate and a member of the Solicitors Association of Higher Court Advocates (SACHA), Fellow of the Royal Society of Arts (FRSA); holds a BA (Hons) in Public Policy & Administration, CPE and was called to the Bar in November 2000 at Lincoln's Inn London.
Mohammed Usman
Mr Mohammed Usman is a practicing Solicitor and a Director of AML Solicitors. His specialist areas of practice are Personal Injury and Civil Litigation. He holds an LLB (Hons) degree and qualified as a solicitor in 2010.
Mr Usman has been part of AML Solicitors since 2005 during the firm's infancy. He was the first recruit and proved his worth through hard working ethics combined with loyalty, honesty, integrity and decency. The firm paid back his contributions though funding his LPC and guaranteeing the Training Contract. Mr Usman went on to manage his own team of Fee Earners before eventually being offered the Directors position.
Mr Usman has a relaxed and amiable character and is well-liked by the local community. He dedicates considerable time to voluntary, charity and Pro-Bono work. He is involved in education of the youth and promotion of fairness and equality.


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If you're free next Tuesday, I highly suggest that you check out ABC's Wipeout. Remember Spike's Most Extreme Elimination Challenge? It's like that, without the Japanese contestants.
I literally rolled on the floor laughing AND laughed so hard I cried last night. Ask B., he was there, laughing at me.


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For this week challenge I made a boyish kit, a kit to reach for the stars. Rockets, planets and stars are the main theme for this kit, it has a kind of vintage swatch giving it a nostalgic look.
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Hair Loss After Illness Or Surgery
Hair loss in canine is a natural prevalence though can also be brought on by different factors corresponding to mites and allergy symptoms. Hair loss often becomes noticeable three-to-six months after the trauma. If hair loss occurs in a young man with no family historical past, drug use might be the cause. It could be possible to scale back hair loss from chemotherapy by wearing a special cap that keeps the scalp cool.
Being pregnant-related hair loss is seen more commonly after your child has been delivered reasonably than really throughout being pregnant. Therefore, advertised hair-regrowth dietary supplements should be approached with delicate caution. There are thousands of unproven claims and products to help with hair regrowth.
In additional severe and chronic instances, some sufferers wear hairpieces; these days, some males shave their entire scalp now that this look has develop into modern. Adolescent boys notice some receding close to the temples as their hairlines change from the straight-across boys' sample to the more "M-shaped" pattern of adult males.
Bald spots often show broken-off hairs and is accompanied by a dermatitis Oral antifungals can penetrate the hair roots and remedy the infection, after which hair grows back. If you would …


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Benefits of Hiring a Personal Injury Lawyer
In the society, every person encounters some cases of injustices or requiring them to face the court of law due to some cases. It is not an easy task since the laws are quite challenging and not everyone understands well the rules and regulations of the court. Among the many cases is when someone suffers as a result of an accident that is caused by somebody else leaving one undergoing the fate. That is never fair and compensation has to be done to the affected to avoid from straining them yet they might not be having the money required. Check out the
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Why Your Insurance Plan Is Incomplete Without Riders
*This is a sponsored feature by LIC.
If you've bought life insurance for yourself and your family, you're already a step ahead of most Indians. It's a relief knowing your loved ones will be protected in the event of your premature or unexpected death. However if you wish to increase this level of protection further, you can opt for a simple add-on to the policy called a rider. There are different types of riders and by choosing one or more of the riders, your insurance coverage can become more comprehensive. These riders are a great way to enhance your insurance coverage without having to buy a separate policy. The riders can be opted at the time of taking the policy or in some cases even at a later stage by payment of an additional premium.
LIC of India, the nation's largest insurance company, offers various riders that complement its wide range of plans. The following are some of the important and common riders, you can opt for when buying life insurance:-
This rider covers the contingency of death due to accident and provides additional sum assured if death occurs due to accident. Accident is defined by insurers as a "sudden, unforeseen and involuntary event caused by external, violent and visible means" leading to either permanent and total disability or death.
For payment of benefits under this rider, death should occur within 180 days from date of accident and the policy should be in-force for full cover by payment of all due premiums.
This rider provides similar benefit as above and can be taken for ULIP policies only.
LIC's Accidental Death and Disability Rider covers death and disability which is the result of an accident. Disability means accidental injuries due to which policyholder is not able to perform certain activities of daily living or which results in irrecoverable loss of the entire sight of both eyes or in the amputation of both hands at or above the wrists or in the amputation of both feet at or above ankles or in the amputation of one hand at or above the wrist and one foot at or above the ankle.
In case of disability to the life assured, accident sum assured is paid in equal monthly instalments spread over 10 years. If the policy becomes a claim either by way of maturity or death before all due instalments are paid out, the remaining disability benefit instalments which have not fallen due will be paid along with the claim and the future premiums are waived under the policy to the extent of chosen Accident Benefit Sum Assured. In case of death, accident sum assured is paid.
A person diagnosed with critical illness may need to undergo regular treatment over a prolonged period of time. This treatment can not only cause a dent in the person's existing financials but may also affect his regular income if he is not in the position to attend his occupational duties regularly.
LIC's New Critical Illness Benefit Rider helps reduce financial burden if the policyholder is diagnosed with critical illness. This rider is allowed along with the base plan at inception of the policy. The critical illness sum assured shall be payable only once provided the base policy and the rider are in-force for full cover by payment of all due premiums on the date of diagnosis subject to certain conditions and restrictions. 15 critical illness conditions are covered under this rider including Cancer of specified severity, Open Chest CABG (Coronary artery bypass grafting), Myocardial Infarction, Major Organ/Bone Marrow Transplant (as recipient), Benign Brain Tumour, Kidney failure requiring regular dialysis etc.
Critical Illness benefit will be payable subject to production of available medical evidence and satisfactory submission of requirements. However in some illness covered under the rider, a specific deferment period applies to establish permanence of the illness covered.
There is a waiting period of 90 days from the date of commencement of the risk, during which critical illness rider claim will not be payable.
For policies taken on the lives of children, in the event of unfortunate death of the proposer, it is likely that the policy will lapse. LIC's Premium Waiver Benefit
rider waives all future premiums under the base policy for the remaining duration of the policy on death of the proposer so that the insurance coverage for the child continues.
LIC's New Term Assurance Rider provides for life cover in case of unfortunate death of the insured during the cover period. It can be attached with a basic policy to provide add-on benefit at a nominal cost.
This article gives a broad overview of the riders offered by LIC. You may visit LIC's website www.licindia.in or contact your nearest Branch Office/Agent/Development Officer for further details.


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Growing Pains Scrapped has a new kit hitting her Stuff to Scrap store this week called All I Want for Christmas. It is a fabulous and huge kit – the perfect colors for all your holiday pictures. And, as a holiday bonus, it is on sale for 25% off until Christmas! Check it out:
My most favorite is the snowflake paper as you can see – I used it in both of my layouts. Oh, and rumor has it that Tracy will be giving an All I Want for Christmas mini-kit as a Speed Scrap prize on December 27th – you don't want to miss that!
This is J1 when he was almost 2. He still wasn't afraid of Santa! I made this layout into a quick page for you – keep reading for the download! This layout was done for a Speed Scrap over at Stuff to Scrap. They are great fun – you need to come check them out! There are prizes too.
These are various pictures of J1 from last Christmas – I loved it when he "helped" decorate the tree! This was also for a challenge at Stuff to Scrap – the template challenge.
Here is my quick page:
Also, don't forget to get the rest of my freebies – they are all still available. I also have some at A+ Designs so head there and get some too!


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Tuesday, September 7, 2010
What's All That Buzz?
Recently, the Los Angeles Times published a database of value-added teacher ratings. The database was comprised of 6,000 Los Angeles elementary school teachers adn 470 elementary schools. Teachers' value-added ratings are based on students' progress on the California Standards Tests for math and English. The "value" that a teacher adds to the student is defined as the difference between a student's expected growth and their actual performance on the exams. Value-added for schools is based on all the students' performance tested over a certain period. The Los Angeles Times published these ratings because they believe that parents and the public have a right to this information. There has been a lot of debate in the past days on the accuracy of the ratings. Teacher unions are against using test scores for the evaluations and were planning to protest in front of the Los Angeles Times. The Obama administration supports "greater transparency" in schools and wants to expand teacher evaluations across the country.
For more information, please visit the Los Angeles Times and The Economist.
What do you think? Are these evaluations a good idea? Is it fair to use test scores as their basis? What other methods do you propose are better for evaluating teachers? Post your opinions on our forum.
Posted by TutorChatLive.org at 12:30 PM
Subscribe to: Post Comments (Atom)


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Hail people for 'complete and unprecedented boycott', urge to stay away from all sorts of elections
Srinagar: Syed Ali Geelani, Mirwaiz Umar Farooq and Mohammad Yasin Malik on Tuesday hailed people for 'complete and unprecedented poll boycott' and urged them to adhere to boycott the re-poling on April 13.
In a statement, the leaders asked people to once again reject Delhi and its henchmen. "Peoples verdict against occupation is loud and clear and it is their commitment to achieving their fundamental political right and expressing their will and aspirations," said the leaders.
Calling deferment of polls as defeat of the state rulers and pro-Indian parties, the leaders said the government of India's own index of treating elections as a gauge of people's faith in Indian democracy stands completely exposed as they were completely rejected and resisted by the people in one part of the valley and forced to be postponed in another.
The leaders called back shutdown call for April 12 and said that wherever and whenever these elections will be staged, people will observe shutdown and stay away from these elections. Resistance leaders said that exemplary velour and courage once again displayed by the people and particularly youth has marked a mile stone in the history of occupied Jammu and Kashmir.
People's verdict served a message to the India and the world that their goal is the right to self-determination. "It has sent shivers and shock to Delhi," said resistance leaders.
Resistance leaders said that in the face of extreme repression, where the state's main instrument, the police and armed forces have been given a free run to murder and mayhem, forcing the state to back down speaks volumes about the bravery and resolve of the Kashmiris.
Calling people to join Friday prayers in Budgam on April 14, the leaders asked to show their solidarity with the families of brave hearts martyred by forces on April 09.
Election boycott is a significant part of our resistance movement and people will boycott these elections and observe shutdown, said joint resistance leaders. Elections to parliament, assembly, panchayats or municipalities won't serve any purpose and farcical elections in the territory could not be a substitute to the Kashmiris' right to self-determination, said resistance leaders.