SYK attorney Darlene Pasieczny Presents on FINRA Expungement Proceedings at PIABA's Mid-Year Meeting.
On April 4, 2019, I joined co-panelist Kate McGrail and moderator Robert J. Girard II in Washington D.C. Together, we presented on FINRA expungement proceedings to an audience of securities attorneys, law professors, and state securities regulators attending PIABA's Mid-Year Meeting.
The process for brokers to request expungement of customer dispute information from a broker's CRD record.
The process for customer claimants to object to the request.
Proposed rule changes being considered by FINRA.
Limiting the time in which brokers may request expungement.
Creation of an Expungement Arbitrator Roster, with enhanced arbitrator qualification requirements, to hear expungement requests.
Requiring an additional finding that the customer dispute information has no investor protection or regulatory value.
The CRD is the Central Registration Depository, an online licensing and registration system for brokers and securities firms. Pursuant to FINRA rules, certain disclosure information must be reported for inclusion in the CRD record. This includes customer disputes – customer complaints, arbitrations and court actions.
That is in part because BrokerCheck is considered a major tool for investors to research the background of a financial professional. Wouldn't you want to know if the person you are going to trust with your savings has a record of multiple customer complaints? Brokerage firms and state and federal securities regulatory agencies also use the CRD record when making hiring and licensing decisions, as well as in enforcement actions.
Darlene Pasieczny's practice at Samuels Yoelin Kantor LLP focuses on all stages of corporate and securities law issues, securities litigation and FINRA arbitration, as well as fiduciary litigation in trust and estate disputes, and elder financial abuse.
Securities attorney Darlene Pasieczny will speak about FINRA expungement issues at the PIABA Mid-Year Meeting: Current Issues in Securities Arbitration. The panel presentation will be on April 4, 2019, in Washington DC.
Expungement of customer dispute information from a broker's or brokerage firm's CRD and BrokerCheck disclosure reports continues to be a heated topic for securities professionals. Expungement requests are routinely made in customer cases, sometimes years after settlement. Despite FINRA's position that expungement of customer information should be an "extraordinary remedy," panels routinely grant expungement requests in FINRA arbitration. This panel will discuss current trends in expungement requests and litigation tactics by attorneys and non-attorney firms, as well as recent FINRA expanded guidance to arbitrators and proposed amendments to applicable FINRA rules. We will also discuss ethical considerations for lawyers regarding expungement.
Registration for the PIABA Mid-Year meeting can be done through PIABA's website.
Why is FINRA expungement an important topic?
When an investor considers hiring a new financial advisor, they might look for publicly available information about the advisor's background and customer complaints. FINRA's BrokerCheck database is available online for exactly that kind of investor research. By current FINRA rules, a broker or brokerage firm must disclose certain customer dispute information on their CRD record. If FINRA grants expungement of that information, the disclosure is effectively wiped clean. That may be appropriate in some circumstances. But expungement can harm the investing public, who might otherwise think twice about hiring a broker with a negative track record.
Were you a client of broker Daniel Noah Winger?
The securities attorneys at the Investor Defenders practice group of Samuels Yoelin Kantor LLP are investigating potential claims against this broker.
Public records from the Financial Industry Regulatory Authority (FINRA) show that in August 2018, Daniel Noah Winger (CRD# 1542674) entered into an Acceptance, Waiver and Consent ("AWC") agreement in which Winger was barred from associating with any FINRA member in all capacities.
Daniel Noah Winger was most recently registered with PFS Investments Inc. in Federal Way, Washington.
The Facts and Violative Conduct alleged in the AWC include that, between April 2015 and April 2018, Daniel Noah Winger converted the funds of an elderly customer in violation of FINRA rules 2150(a) and 2010. The elderly customer gave checks to Winger totaling approximately $100,000. The AWC alleges that Winger used the customer's funds for his own personal use.
Brokers are licensed and regulated by FINRA and state regulatory agencies. FINRA rules, state securities laws and state common law offer protections for investors from unlawful broker conduct such as: negligent portfolio mismanagement, selling away, overconcentration, unsuitable investment recommendations, excessive trading ("churning"), failure to supervise, misrepresentations about investments, or outright conversion and theft.
Common Red Flags of broker misconduct include lack of communication from your broker, discovering that you cannot liquidate investments that you thought you could sell, or discovering that large portions of your portfolio are used to purchase "alternative investments" like interests in Limited Partnerships, Limited Liability Companies, or promissory note investments. The Investor Defenders have compiled a list of Ten Red Flags for Investors, which you can see by clicking on this link.
If you were a client of Daniel Noah Winger, and suspect that financial losses in your brokerage account may have been caused by broker misconduct, call the Investor Defenders. We represent investors in the United States with securities claims against brokers and brokerage firms for financial losses caused by unlawful conduct.
Were you a client of broker Jameson Jeewon Shin?
Public records from the Financial Industry Regulatory Authority (FINRA) show that Jamewon Jeewon Shin (CRD# 2436899) was suspended as of August 13, 2018, from associating with any FINRA member for failure to provide information or keep information current pursuant to FINRA Rule 9552(d).
Jameson Jeewon Shin was most recently registered with LPL Financial LLC in Bellevue, Washington, and was previously registered with Wells Fargo Advisors, LLC in Seattle, Washington.
FINRA records show that the names James J Shin, James Shin, Jameson Jee Won Shin are related to Jameson Jeeswon Shin.
Brokers are licensed and regulated by FINRA and state regulatory agencies. State securities laws and state common law offer protections for investors from unlawful broker conduct such as: negligent portfolio mismanagement, selling away, overconcentration, unsuitable investment recommendations, excessive trading ("churning"), failure to supervise, misrepresentations about investments, or outright conversion and theft.
If you were a client of this broker, and suspect that financial losses in your brokerage account may have been caused by broker misconduct, call the Investor Defenders. We represent investors in the United States with securities claims against brokers and brokerage firms for financial losses caused by unlawful conduct.
Elder Financial Abuse – Do I Have a Claim?
Oregon has strong protections for investors against fraud with our state blue sky securities laws. The Investor Defenders attorneys at Samuels Yoelin Kantor LLP have deep experience with litigating securities cases to recover investment losses cause by financial advisor misconduct.
We also handle elder financial abuse claims. Sometimes those claims relate to securities, like a registered investment advisor mishandling an investment account, or an unlicensed person unlawfully selling investments. But financial abuse of our seniors and other vulnerable persons can take many other forms.
Under Oregon Law, an "elderly person" is anyone age 65 or older. ORS 124.100(3).
Financial "abuse" includes "[w]rongfully taking or appropriating money or property, or knowingly subjecting an elderly person or person with a disability to alarm by conveying a threat to wrongfully take or appropriate money or property, which threat reasonably would be expected to cause the elderly person or person with a disability to believe that the threat will be carried out." ORS 124.100(1)(g).
The civil penalties are significant for abusers and persons who have "permitted" another to engage in the abuse. The statutes allow recovery of three times all economic and noneconomic damages, and reasonable attorney fees incurred by the plaintiff. ORS 124.100(2).
Samuels Yoelin Kantor LLP is one of the few firms in Oregon with equally strong estate planning attorneys and fiduciary litigation attorneys, who have the experience to recognize the signs of potential elder financial abuse, and know how to bring claims for victims of abuse. Many of our attorneys are licensed in both Oregon and Washington, and litigate claims in both states.
Who can bring a claim under Oregon's financial elder abuse statute? The elder, a guardian, conservator, or attorney-in-fact for the elder, a personal representative for a decedent who was an elder at the time of the abuse, or a trustee for a trust on behalf of the trustor or spouse of the trustor who is an elder. ORS 124.100(3).
The National Adult Protective Services Association reports that 90% of financial abusers are family members or trusted others. And financial abuse is vastly under-reported: it is estimated that only one in 44 cases are reported to state protective services.
What are some common forms of financial abuse? Misuse of a Power of Attorney or joint bank account, overcharging for services, or improperly transfer title to property. Outright threats to abandon unless the victim complies with the abuser's demands can by itself be financial elder abuse.
What are some warning signs of abuse?
An unexplained withdrawal, transfer, credit card charge, or payments that are unusual, or don't otherwise fit with the explanation.
The elder is not given an opportunity to speak for themselves without the presence of a particular care giver, family member, or anyone else suspected of abuse.
The elder is extremely withdrawn, defensive, not communicative, or unresponsive. Victims frequently feel shame and embarrassment.
If you suspect a senior loved one may have been or is being financially abused, the attorneys at Samuels Yoelin Kantor can help. Contact us to speak with an experienced fiduciary litigator who understands financial elder abuse claims in Oregon and Washington.
Why mediate? What is mediation? Why do it in FINRA arbitration?
Simply put, mediation is a voluntary process by which disputing parties agree to negotiate with a professional referee – a neutral mediator – to try to settle a dispute. Settlement means resolving a case before incurring further time, costs, and the risk of losing when taking a case to trial or arbitration hearing, where a judge, jury or arbitrator makes the final, binding decisions.
I represent investors in FINRA arbitration and in court, in disputes with the financial industry. Securities claims against stockbrokers and their firms are typically litigated in FINRA arbitration because there are pre-dispute arbitration clauses in just about every brokerage account agreement. FINRA rules also provide that an investor may always choose to file claims against a broker or brokerage firm in FINRA arbitration. FINRA IM-12000.
Arbitration is very different than mediation. State laws provide the legal framework for arbitration as a binding alternative to trying a case in court. An arbitration hearing may seem like a mini-trial: you have one or more arbitrators in place of a judge and jury, you have opening and closing statements, present witness testimony and evidence, and submit briefs on legal issues. At the end of the the process, the arbitrator or panel of arbitrators issues a binding arbitration decision and award. A party may take that arbitration award to a court for confirmation as a judgment. Once the award is entered in the court record as a judgment, the winning party is a judgment creditor and may use that state's creditor laws to enforce and collect the award. FINRA arbitration is a specialized forum with its own procedural code and discovery rules – a forum I know very well.
Mediation, on the other hand, is an entirely voluntary process, and a mediator makes no binding decisions that the parties must follow. Parties can choose to mediate at any time – before a case is filed, or anytime during the case, with strategic decisions when mediation may be the most successful, such as after the exchange of discovery in a case. State law provides that settlement discussions in the context of mediation are confidential and generally may not be used as evidence in a case. So, if a mediation session does not result in a settlement agreement, neither side may use what was said or settlement offer dollar amounts exchanged during the mediation against the other side in the related court case or arbitration proceeding. That's because we want to encourage good faith negotiation during mediation.
If the parties come to settlement agreement during the mediation, the mediator, or one of the parties, will typically put at least the material terms of the agreement into writing while the parties are still present. A good mediator will encourage this: after hours of back-and-forth negotiation, no one wants to go home and get a message that the other side has "buyer's remorse," or denies coming to an agreement, and then have to litigate to enforce the settlement.
For my clients in FINRA arbitration, I often recommend trying a mediation session. Why? The risks are small, and it can be a smart investment. The parties typically share the cost of hiring a mediator, it's non-binding, and we prepare as if preparing for the arbitration hearing. I use the time to refine my client's case, learn about the strengths and weaknesses of respondent's case, and have a kind of dress rehearsal of testimony – all while still negotiating in good faith towards a settlement. So, even if a mediation does not immediately result in settlement, we are all better prepared for the hearing.
In a FINRA arbitration case, you want a securities attorney to help you select a FINRA arbitration panel and steer your case through the process, from legal analysis and damages calculations, through filing the statement of claim and discovery, to representing you at the hearing. When mediating a securities case, you want a securities attorney experienced in mediation to help choose a mediator and stay by your side with analysis of the situation and recommendations during negotiation. For both arbitration and mediation: these are not trials in courtrooms. The rules, and the opportunities, are different.
Current cryptocurrency regulation and cryptocurrency investment regulation can be summed up in one phrase: Regulation by Enforcement.
I moderated a great panel presentation this weekend on Cryptocurrency Investments, Supervision and Securities Regulation at PIABA's mid-year CLE event in Los Angeles on May 5, 2018. We discussed the current state of regulation as well as the nuts-and-bolts of blockchain technology: everything from Bitcoin, the basics of utility tokens, security keys, and even ranging into CryptoKitties. Our audience included securities attorneys, law professors, and representatives from the Financial Industry Regulatory Authority (FINRA). I was joined by Professor Benjamin Edwards (William S. Boyd School of Law, University of Las Vegas, Nevada), securities attorney and former SEC Enforcement officer Celiza Braganca (Braganca Law LLC), and industry expert Louis Straney (Arbitration Insight LLC).
Most securities professionals that I've talked with consider cryptocurrency investments the Wild West in terms of regulation and safeguards (minimal to none) for the investing public. The North American Securities Administrators Association (NASAA), the association of state securities regulators, would agree.
Accumulating SEC enforcement actions and reports like the "DAO Report," Release No. 81207 (June 25, 2017), are the current guides that issuers and industry participants have for what to do, or not do, so that an Initial Coin Offering (ICO) or Initial Token Offering (ITO) complies with existing federal and state securities laws. This kind of "regulation by enforcement" leaves industry participants guessing at what they can do as the technology changes. And, the SEC and state securities regulators are by no means the only regulatory bodies overlapping with enforcement. The Internal Revenue Service, FinCen, the CFTC, criminal law, and private class actions are all taking their pound of flesh from industry participants. FINRA's 2018 Regulatory and Examination Priorities Letter notes that the SRO will be keeping an eye on developments with ICOs and the supervisory and compliance mechanisms that brokerage firms have put in place for compliance with securities laws and FINRA rules.
But, since December, 2017, the US Commodity Futures Trading Commission (CFTC) has allowed cryptocurrency futures contract trading on the Chicago Mercantile Exchange. Goldman Sachs recently announced that it will open a Bitcoin trading desk, and now the New York Times reports that the parent company of the New York Stock Exchange, Intercontinental Exchange, has been working on an online trading platform for large investors to buy and hold Bitcoin. The confidence of these institutions may lead the market in another round of soaring blockchain hype and eager investors buying in … to what?
Warren Buffet made his feelings about clear when he called Bitcoin "probably rat poison squared" in an interview with CNBC over the weekend.
If a FINRA-licensed broker or SEC-licensed registered financial advisor makes recommendations for a customer to buy cryptocurrency investments, it could be a big red flag for a compliance department. SEC Chairman Jay Clayton has basically said that he thinks all cryptocurrency-related investments are securities. But the SEC hasn't issued specific cryptocurrency regulations, and it seems to be relying on shutting down unregistered ICOs and ITOs to create a regulatory roadmap. Do those offerings sound like Initial Public Offerings (IPOs)? You are correct, that's on purpose. But, importantly, unlike an IPO, you get no ownership interest when buying into an ICO or ITO. There's no there, there. Unfortunately for investors duped into participating in a fraudulent cryptocurrency offering or hacked offering, the likelihood is that your money is halfway around the world and difficult to recover from the issuer.
I suspect the future of cryptocurrency regulation will include increased claims for participant liability under state securities laws that offer broader investor protections than those provided by federal law. Attorneys and accountants assisting issuers in these fraudulent offering should be held accountable under appropriate circumstances. I bring participant liability claims under state blue sky laws to recover investment losses for individuals and groups of individuals. And, if financial advisors are actively making purchase recommendations to clients otherwise unwilling to take on high risk, speculative investments, there could be viable FINRA arbitration claims against the brokerage firms that allow their brokers to make irresponsible, unsuitable recommendations.
Today the North American Securities Administrators Association (NASAA) announced a massive LPL Financial settlement with state securities regulators relating to over a decade of sales of unregistered securities by LPL brokers.
Under the terms of the LPL Financial settlement, the firm agreed to repurchase from investors certain securities that were sold to them since October, 2006. LPL will also have to pay civil penalties to the states, which could be as much as a $26 million penalty.
What happened? State securities regulators have been investigating LPL Financial for years regarding failures to have reasonable policies and procedures. In the last year, NASAA's task force has focused on investigating LPL's procedures to prevent LPL brokers from selling unregistered, non-exempt securities.
The sale of unregistered, non-exempt securities violates most states' securities law and federal securities laws. Often those securities do not disclose important information to the prospective buyer, like the riskiness of the investment, lack of liquidity or ability to sell the investment, or true financial history of the investment. Sellers may get high commissions and other incentives to pitch these products to investors, even if the product is not suitable or in the best interest of that investor.
Under the agreement, LPL will repurchase from investors unregistered, non-exempt securities sold since October 1, 2006 to LPL customers by their broker. Not only will LPL repurchase, it will pay 3% interest from the date of sale. Other terms were agreed upon for customers who have since sold or transferred their qualified securities out of their LPL account.
Is this a good deal? Yes, for many cheated investors, it's an unusually good deal. NASAA is an association of state securities regulators. Those state regulators help investors by cracking down on bad broker conduct by national firms like LPL Financial. The dollars from civil penalties issued by regulators occasionally go back to compensate the victims — but not usually. The key to this LPL Financial settlement is that the firm agreed to buy back the securities from investors and pay 3% interest. For many investors, especially those with smaller amounts of affected securities, that's a very good result for a recovery without private litigation.
However, investors that otherwise qualify for the buy-back may have strong, valid, private claims for relief against LPL Financial that might result in a better outcome. It depends on the facts, and an experienced securities attorney can help you make that evaluation.
Failure to have reasonable supervisory and compliance procedures, failures to reasonably supervise its brokers, and unlawful broker conduct all are violations of FINRA rules and may state blue sky securities laws. In some states like Oregon, brokerage firms may have joint and several liability with the bad broker, and the statutory remedy for these violations can be repayment of the original purchase price, plus interest at 9% from date of purchase, less any dividends or money otherwise received from the investment. It may also include payment of attorney fees. These are claims that an experienced securities fraud attorney like Darlene Pasieczny can bring on behalf of an investor in FINRA arbitration.
If you are an LPL Financial customer, or customer of any brokerage firm, and you have concerns about what you were sold for your investment portfolio, call us today for a free initial consultation. Sudden large drops in portfolio value for a moderate or conservative investor, or discovering you cannot easily sell an investment, are some of the Red Flags that you may have securities claims for recoverable losses. Don't wait – statute of limitations may apply to set deadlines of when you can file a claim.


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Asia: Stocks fall seventh day as global growth concerns linger
Thu, May 05, 2016 - 10:21 AM
[SYDNEY] Asian stocks dropped for a seventh day, the longest losing streak in almost five months, amid global economic growth concerns.
The MSCI Asia Pacific excluding Japan Index declined 0.4 per cent to 405.69 as of 9:31 am in Hong Kong. A report Wednesday showed US companies hired fewer workers in April than estimated, signaling employment gains may have slowed and adding to anxiety over growth. The data came ahead of Friday's monthly government payrolls report on US jobs. Equity markets in Japan, South Korea, Thailand, and Indonesia are closed for holidays.
"The overall sentiment is disbelief," Michael McCarthy, chief market strategist at CMC Markets Asia Pacific Ltd, said by phone.
"Investors are struggling to reconcile valuations with the risks. It's going to remain a difficult environment."
Global equities have fallen to their lowest level in almost a month amid concern over weak company earnings and lackluster data on manufacturing and employment. Federal Reserve Bank chiefs of Atlanta and San Francisco have highlighted the prospect of an interest-rate increase next month, with Friday's US payrolls data seen as key to investors' assessment of the next moves in monetary policy. A measure of Chinese services is due Thursday.
SEE ALSO: US: Wall Street opens flat, investors shrug off bank results
Gold Allure
Stan Druckenmiller, the billionaire investor with one of the best long-term track records in money management, said the bull market in stocks has "exhausted itself" and that gold is his largest currency allocation. He averaged annual returns of 30 per cent from 1986 through 2010 at his Duquesne Capital Management.
Hong Kong's Hang Seng Index lost 0.8 per cent and the Hang Seng China Enterprises Index of mainland firms listed in the city fell 1.2 per cent. The Shanghai Composite Index retreated 0.2 per cent.
Australia's S&P/ASX 200 Index rose 0.2 per cent, led by financial stocks. National Australia Bank Ltd climbed 3.2 per cent in Sydney after posting a 6.5 per cent increase in first-half cash profit as it bucked a trend among Australia's largest lenders by decreasing bad-debt charges and as margins improved for the first time since 2011.
Crown Resorts Ltd, the gaming company of James Packer, rose 5 per cent in Sydney after selling US$800 million worth of shares in its Macau venture, raising speculation the billionaire is increasing his firepower for a potential purchase of Australian casino assets. The sale was at a 6 per cent premium, Deutsche Bank analyst Mark Wilson wrote in a report.
New Zealand's S&P/NZX 50 Index added 0.3 per cent. Singapore's Straits Times Index fell 0.6 per cent. Taiwan's Taiex index dropped 0.5 per cent.
Futures on the S&P 500 gained 0.2 per cent after the underlying gauge fell 0.6 per cent Wednesday. Bank shares were among the biggest losers for a second day, while energy and raw-material producers lagged for a third session.

redpajama_set_name: RedPajamaCommonCrawl


When did bullying, or hazing, or harassment become okay?
We seem to have a heightened sense of it, thanks to the tragic deaths of teens and children who succumbed to the hate poured down on them. But we can't seem to stop it. Maybe that's because we've allowed ourselves to hear stories about the situations and assume, "well, that's just the way it is." At what point is enough enough?
The latest story about bullying doesn't come from a high school lunchroom or a middle school bus stop, but from the depths of the locker room of the Miami Dolphins. The 6′ 5″ second-year lineman Jonathan Martin left the team last week when the harassment he received from the NFL's Dirtiest Player (by a player vote), Richie Incognito, used more than his 319 pounds to push Martin around (for the record, Martin weighs 312). During the offseason in April, Incognito left a voicemail for Martin that included a racial epithet, and threatened to kill Martin. And apparently, last week, Martin had seen and heard enough, so he quit the team.
I can still remember being at the bus stop and being bullied in elementary school by a family who insulted how I dressed, kicked sand in my face, and threatened me with more violence on a regular occasion. I can remember my first year as a lifeguard at a public beach on the island where I grew up, being threatened with bodily harm and being forced to do tasks that no one else was expected to do because they were deemed too disgusting.
And I continue to see the pattern of "hazing" even within the life of the church I love.
At one of my stops as a youth minister, I encountered a pre-established pattern where ninth graders were humiliated on their first mission trip with the senior high, and favoritism was shown to some of the youth who were deemed "cool." Is it just "hazing" when a seventy-five pound freshman is expected to carry two hundred pounds worth of luggage? Is it just funny when that person's clothes are messed with or they're left in the dark to stumble back from their shower without a towel?
Several years later, as a soon-to-be-ordained elder, I was told that the frustrations I had experienced within the United Methodist process were almost over, and that I could do those same things to others once I was "in." Sure, I'm grateful for the difficulty of the process and recognizing what I accomplished, but I have no way to "jive" the teachings of Jesus with the idea that the subjective struggles I went through were okay because I could inflict them on others!
Isn't that the form of initiation-turned-hazing that Paul is arguing against in Galatians, where he's reminding a church that they are saved by Christ and not by being Jewish first? Isn't the whole letter about the way in which the church structure became immune to the way that people were treated because it had become part of the process?
As a mentor pointed out a long time ago, "you show me a problem outside the church and I'll show it to you inside the church as well." Sin is sin is sin (to modify Gertrude Stein). Somewhere, there's a 317 pound Richie Incognito in a church, waiting for someone to intervene, and stop him.
Rick Warren wrote that we couldn't have peace as a nation until we had peace as a community, until we had peace within families. If churches and sports teams are communities or families, how can we have peace when one individual or one group lords it over another?
It's time we stop "normalizing the abnormal," it's time we stop accepting that one person treating another as "less" is "just the way it is." If we can watch Nickelodeon ads about stop bullying for our kids, isn't it time we stop bullying as adults, too? Isn't it time we said "no" to the mistreatment of our co-workers, our pew mates, our neighbors? Isn't it time we made the decision to break the cycle of violence in our own lives, by stopping our own acts of violence and breaking the cycle of violence for others?
The case of Martin and Incognito reminds us that it doesn't matter how big you are, you can still be made to feel small. But the biggest opponent can be brought low by the smallest decision to break the cycle of violence.
This entry was posted in Current Events, Sports, Theology and tagged aaron hernandez, Church, cyber bullying, ESPN, gertrude stein, hazing, initiation, jonathan martin, jovan belcher, locker room mentality, miami dolphins, richie incognito, rick warren, rolando mcclain. Bookmark the permalink.


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MERRY AND BRIGHT THE LIST TO END ALL LISTS
15 FROM '13
LISTMANIA 2013 Add comments
(I once again successfully prevailed upon Ben C, the proprietor of the immensely entertaining Church of the Riff, to share with us his year-end list of 2013′s best albums.)
Looks like I made it through another year more or less intact, with a whole new collection of music to boot. 2013 proved to be a pretty solid year for me, both in new releases and discovering old classics. It was also the year I decided to plunk some money down on a second-hand stereo setup that doesn't suck, so I've been able to not only rattle my brain but the neighbour's as well.
The next 15 albums cover the majority of metal's extended family, from grindcore, sludge, and doom all the way through to throwback stoner rock. I also decided to put together my choices for riff, chorus, and solo of the year – an idea I had been toying with since I published my last list. So without wasting any more time, here are 15 more albums some random guy on the internet thought were pretty swell.
Run the Jewels – Run the Jewels
Listen: https://soundcloud.com/foolsgoldrecs/sets/el-p-killer-mike-run-the
Words: Run the Jewels is a new duo formed by two very different but complementary MC's, Killer Mike and El-P. Both released killer albums last year (RAP Music and Cancer 4 Cure, respectively) and their self-titled collaboration is equally matched. El-P is responsible for the aggressive, electro-heavy beats, with both artists donating their rhymes to the mix. Most of the tracks are aggro-brag rap with tongue firmly in cheek. Bass-heavy, filthy and unrepentant, the best part of the whole package was having this album dropped as a free download, making it one of the best deals of the year.
KEN Mode – Entrench
Listen: http://kenmode.bandcamp.com/album/entrench
Words: A follow up to their Juno-winning album (Yeah seriously, they won the Canadian Grammy), this Winnipegian trio are well on their way to perfecting their sound of jittery mathcore annihilation dragged along at a nail-biting pace. Exhaustingly quick riffs and a bellowing low-end serve as the soapbox for KEN mode to scream bitter obscenities at the world. Scathingly complex and equally heavy, nothing goes quite as well with -30 degree winds across a barren tundra as Entrench does.
Maeth – Oceans to Ashes
Listen: http://maeth.bandcamp.com/album/oceans-into-ashes
Words: The debut release from a group of post/prog-metal young bloods, Oceans to Ashes is a wonderful arrangement of brooding harmonies and crushing guitar sections, creating a sound the band defines as "crunch and cream". Maeth do a solid job of balancing their sections of expansive ambience with some tasty grooves, showing they can have their metaphysical cake and eat it too. They also have a thing for flutes, with the instrument being worked into several tracks along with getting its own solo time. Both cosmic and grounded, with just the right amount of mind-bending, I'm excited to see what they crank out in the coming years.
Primitive Man – Scorn
Listen: http://primitivemandoom.bandcamp.com/album/scorn
Words: Scorn was fucking scary. Piss-your pants, blood-stained palm prints down the front door, peel your face off with a box cutter kind of scary. Lurching monsters of noise that have the audacity to call themselves songs pummel your weak and fleshy body into nothing but a filthy smear on the street. At points something resembling sludge or doom metal comes through, but for the most part Primitive Man have made something more akin to the sound of a thousand butchered carcasses than actual music. It's an exhausting listen that will do its best to remind you why people should be afraid of the dark.
Nekrofilth – Devil's Breath
Listen: http://nekrofilth.bandcamp.com/album/devils-breath
Words: The flat-out nastiest album I've heard this year; clearly composed by a group of people who probably don't even have the faintest clue what "tasteful" means. It sounds like drowning in waves of garbage, oozing streams of biological runoff and medical waste populated with broken condoms and dirty needles. An ignorant and ugly hybrid of death metal and crust punk, frothed along by the kind of lyrical genius that just begs to be crocheted onto throw-pillows. "Oh I'm a degenerate; I'd like to cum on your brains." Classic.
Kvelertak – Meir
Listen: http://www.youtube.com/watch?v=Eelfbl1ZLrE
Words: The follow up to their incredibly popular debut, Meir might not have caught everyone by surprise like before, but it fermented their combination of black metal and classic rock to 'shine levels. They still bring the ridiculously high fun-factor to their music and back their studio outputs with some of the best live sets I've seen. Seriously, if they ever tour near you, go see them. Though the album is a righteous piece of work, having seen them live twice this year is what really cemented their place on my list. That and the entire back half of Meir rocks harder than an industrial strip mine.
Nails – Abandon All Life
Listen: http://nailssl.bandcamp.com/
Words: Nails are angry. Not just angry, insatiably furious. The kind of fury that melts through steel girders just as easily as it does faces. White-hot waves of sound that blister the air before even reaching your ears, Abandon All Life is more a motto than an album title. Nothing but pure, distilled rage from start to finish, these are ten tracks chiseled from hate designed to make your insides boil. The real standout tracks for me are the longest; "Wide Open Wound" and "Summ Cuique" are superb combinations of doom, sludge, and grind, pounded out at some truly tortured rhythms.
Tumbleweed Dealer – Tumbleweed Dealer
Listen: http://tumbleweeddealer420.bandcamp.com/album/tumbleweed-dealer
Words: Tumbleweed Dealer are a band with a sound that is perfectly described by molasses. Not just in the usual sense of slow pacing but in everything else as well, from viscosity and colour to sultry sweetness. Their music is an inky black lazy river of the stuff, ambling along under dark and unforgiving skies, taking its time to craft the kind of jams that will be locking you into your couch like a hit of OG. Southern post-rock that actually sounds southern, conjuring up images of dead cowboys, burning ranches, and desolate wilderness, this is an enthralling album that will have you glued to your seat before you even realize what happened.
Clutch – Earth Rocker
Listen: https://soundcloud.com/mgm-distribution-1/clutch-earth-rocker
Words: The grandfather kings of stoner rock, Clutch have been writing national anthems for bikers and lumberjacks since year one. They're like that one burger joint that has been making the same recipe for thirty years, but it's so consistently tasty you don't ever want it to change. Earth Rocker isn't anything special, just 11 tracks of lean and mean pure rawk fury, hammered out by (still) some of the best in the business. It's this utter lack of complexity and compromise that has kept it spinning continuously through my rotation since its release.
The Bronx – IV
Listen: https://soundcloud.com/thebronxxx
Words: The Bronx have been writing the book on melodic punk rock since the early 2000's, a quest only aided by spending two albums in sombreros and matching suits. IV is their first punk album since 2008 and it is a damn fine return to form. Howling anthems of double-speed riffs and vocal lines with the kind of hooks that will have you humming along for days, The Bronx define themselves not only by being able to deliver their songs with ear-biting ferocity, but also with the kind of panache you don't usually see in the genre.
Take Over And Destroy – Endless Night
Listen: http://takeoveranddestroy.bandcamp.com/album/endless-night
Words: Endless Night was one of the best surprises this year, brought to my attention by The Needle Drop to come hammering out of my speakers soon after. A textbook combination of Sabbathian occult, black metal and the sweetest tinges of classic rock, all wrapped up in a gristly package of high-distortion fury and served hot like freshly spilled blood. It's as if everyone showed up to the Tuesday-night ritual sacrifice in duits instead of hooded cloaks. The perfect accompaniment to drawing a ketchup pentagram on your kitchen floor and headbanging furiously until your mother/wife/sister walks in and asks what in the fuck you are doing.
*For the uninitiated, Duit = Denim Suit, sleeves optional*
Shining – One, One, One
Listen: http://fkadsjfkladshfkjasdkfsdalfkjdkaslfdjsajfdweqeqwqeravadfvfda.bandcamp.com/album/one-one-one
Words: After Shining grabbed everyone by the balls with Blackjazz, we all wondered what in the hell this jazz-turned-metal ground was going to pump out next. What they released turned out to be quite a surprise, with many of the more avant-garde elements replaced for a groove-centric industrial sound. I personally loved the change, as there is more of an even balance between outright mind-melting and comprehensible heaviness. Some people described the album as feeling "poppy", which does make sense under the condition you accept "poppy" as being defined by four black-clad maniacs with saxophones and an ocean of distortion at their disposal.
Siberian Meat Grinder – Versus the World
Listen: http://siberianmeatgrinder.bandcamp.com/album/versus-the-world
Words: Another year and another Siberian Meat Grinder EP on my year end list. I'm hoping this becomes a pattern since they are holding it down from the Motherland with some of the finest crossover thrash to get thrown through your window. Classic thrashin' tempered with hardcore fury and played fast enough to peel the goddamn enamel off your teeth. A kick to the head of sonic adrenaline, SMG write the soundtrack to a stampede of sixteen-foot grizzly bears with chainsaws and broken glass for teeth.
The Heavy Eyes – Maera
Listen: http://theheavyeyesmemphis.bandcamp.com/album/maera
Words: This album is a bit of cheat considering it came out in December of last year, but it came out after my year-end list had already been published and there was no way I was letting it slip by without giving it the attention it deserved. A textbook combination of fuzz-saturated groove, riffs seared to a golden brown, and just the right amount of snarl in the vocal delivery, it's goddamn butter to the ears. "Mind", "The Times" and "Goodnight" are infectious on the pandemic level, earworms that dig their hooks in real deep. This is the kind of music that will make you want to stand up a little straighter, keep your chin high, and be an old fashioned badass, McQueen style.
Whores – Clean
Listen: http://whores.bandcamp.com/album/clean
Words: Clean was the best goddamn record I heard this year. All the albums on my list were excellent releases in their own right, but nothing grabbed my attention as aggressively as these six tracks did. Tough as nails foundation-shakers pounded out at punishing volume levels, Whores bring a frothing-at-the-mouth furor to their music that is sadly lacking in their genre. They channel their hate and frustration at the world through a filter of distortion and noise, blasting the results through your skull with reckless abandon. I said it before and I'll say it again; punk might be dead to the world, but it still lives on in the hearts of three guys from Atlanta.
I'm almost done wasting your time, I swear. These last three tracks represent the best riff, chorus, and solo I heard this year. Keep in mind there was a huge quantity of awesome choices but these are the three that really grabbed me by the hair and threw me through the wall.
RIFF OF THE YEAR
Siberian Meat Grinder – "Die on the Road"
I thought riff of the year would be a tricky choice with so many tasty licks from all of the bands on my list. However this was not true, as the first time I heard this track there was a moment of "That right there. Fuckin' riff of the year," and many months later I still feel the same. An absolute monster of a track, pack the fine china away and move to the center of the room before you give it a listen, else you're gonna have one hell of a repair bill in three minutes and thirty-eight seconds.
CHORUS OF THE YEAR
The Bronx – "Under the Rabbit"
My criteria for chorus of the year: it had to be something that I always sang out loud, regardless of the time, place, or social conditions. While there were a couple close contenders, "Under the Rabbit" ended up as the clear-cut winner once I started belting it out on a crowded bus at 8 AM. Listen and don't scream along, I dare you.
SOLO OF THE YEAR
While riff and chorus of the year fell into place rather easily, solo of the year took a lot more deliberation. In the end, it was the titular closing track from Endless Night that ended up making the cut with a couple sweet little doodles before getting down to business in the last minutes of the track. I don't rank solos by technical wizardry or skill level, I rank them by fun factor and how hard they make me air guitar. In the case of "Endless Night" the air never even stood a chance.
Posted by Islander at 10:48 am Tagged with: Church of the Riff
9 Responses to "15 FROM '13"
Lots of interesting picks! I didn't necessarily expect to like The Bronx from the description, but they're damn good.
I love the Riff/Chorus/Solo idea, especially since they aren't always found on albums I trot out as my favorites.
The solo for me is the easiest: the one at the 2:45 mark in "Sail into the Sunset's Fire" from Chthonic's Bu-Tik. It has the perfect mix of melody, technique, and surprise for my tastes. It's really the only solo that stood out to me in recent memory: http://www.youtube.com/watch?feature=player_detailpage&v=nH5RuExCVKM#t=159
I think my favorite chorus would go to Watain's "The Child Must Die", whereas the hookiest one would probably be Shining's "I Won't Forget". And for a less metal, more singable chorus, "Phoenix" by Satyricon, which is great lyrically as well as melodically.
And for riff, probably the one I've loved the most is from Wrong's "Through this Slit", which is a damn great song in general: http://wrongblackmetal.bandcamp.com/track/through-this-slit
Riff/Chorus/Solo picks for the year? I'm in! But probably about as hard to choose as making a 'best of' list:
Riff:
I'd pick the whole Dreaming Dead album, just a big riff fest. But if I'd have to nail it down I'd put the instrumental track 'In Memoriam', that more spacious laid back riff that first appears at 1:47 (around 1:13 in the playthrough here: http://youtu.be/rpLClNcHvUQ) is sonically simple, looks like it involves some seriously tricky chord formations, but just fits the song perfectly.
Other pick would be Byzantine, again the whole album's a riff fest. Perhaps the starting riff to 'Forged in the Heart of a Dying Star'.
Chorus: Mechina's Emyrean is full of great choruses. The tracks Anathema and Empyrean would be highlights. Great lyrics like 'Send your calls to a vacant sky' and 'For our birthright stars had to die' just set it off.
Solos: Have to be something off Byzantine, probably 'Forged in the Heart of a Dying Star' again. For an out of left field pick, I'd put 'Pennyweight' by After the Burial; a seriously happy solo.
Tr00 Nate says:
Nekrofilth share members with Nunslaughter and Midnight, which should tell you the level of maturity we're dealing with here.
The best kind of in-breeding.
djneibarger says:
i love the Nekrofilth album, it's really damn good
Leperkahn says:
Really solid list. I'll have to check out the couple I haven't heard yet.
Also the background riff in the last minute of "Endless Night" totally reminds me of Shadows Are Security-era As I Lay Dying.
Professor D. Grover the XIIIth says:
Good stuff. Run The Jewels, Nekrofilth, and especially Clutch all were excellent.
Thanks guys! Glad everyone dug it and hopefully found some new tunes.


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E&P | NGI All News Access | NGI The Weekly Gas Market Report | Permian Basin
Oxy Puts More Emphasis on Permian as California Splits Off
By Rich Nemec
Reporting lower year-over-year 3Q2014 profits tied to lower oil prices and higher costs, Occidental Petroleum Corp. (Oxy) senior executives expressed bullishness Thursday about their slimmed down company's future, emphasizing the huge growth potential they see in unconventional plays in the revitalized Permian Basin.
CEO Stephen Chazen reported 26% production growth in the Permian on a 3Q2014 conference call in which he also noted quarterly core income was $1.2 billion ($1.58/share) compared with $1.6 billion ($1.97/share) for the same period in 2013.
Separately, Oxy's newly separated California operation, California Resources Corp. (CRC), reported 3Q2014 net income of $188 million, compared with $235 million in 3Q2013 for the same operations. The spin off will be completed the end of November, Chazen and CRC's CEO Todd Stevens reported.
Chazen noted that California operations would be treated as "discontinued" after Nov. 30, and Oxy will reduce its capital spending on its assets in the Piceance and Williston basins to free up capital for its primary focus on the Permian. Over time it expects 60% of its oil/natural gas production will come from U.S. properties as its international holdings are monetized and reconfigured, he said.
The prospect of further oil price declines could be beneficial to Oxy, which is growing increasingly cash-rich with the California spin off and other moves, said Chazen. That would open up opportunities for Oxy to make small to medium-sized acquisition, although Chazen said he is not interested in acquiring any public companies. He sees oil prices rebounding over the longer term.
"We expect the bulk of our cash proceeds being used to repurchase our own shares, but we also hope to invest in the business to attract bolt-on acquisitions to our core assets [2 million acres] in the Permian Basin," Chazen said. "Opportunities may exist for creating property acquisitions that have current production and growth prospects.
"We have no intention of acquiring public companies, since their current pricing reflects high oil prices and a near-perfect [unrealistic] outcome for production."
Chazen said the vast majority of Oxy's capital budget for next year will be devoted to U.S. oil/gas drilling operations, with an emphasis on the Permian Basin. "If lower crude oil prices persist or fall further, we will adjust our capital program to manage our cash flow," Chazen said.
In the U.S. operations, Chazen said he expects the Permian to delivery production growth in 2015 of at least 20%, primarily from oil. Excluding California, U.S. production should grow 5%-8%, with a modest decline in natural gas and natural gas liquids volumes, in 2015.
Vicki Hollub, head of Oxy's U.S. operations, said Permian production hit 77,000 boe/d in 3Q2014, and she expects it to reach 100,000 boe/d by the end of the year. The longer term goal is to hit 120,000 boe/d by 2016, Hollub said. Average rig counts in the Permian are at 30, and that will move up to 34 rigs by year-end, she said.
Related topics: California Chazen permian production
Mother Nature delivered a gut punch to the natural gas market, pulling back on projections for a polar vortex to descend into the Lower 48 by the end of the month. The frigid forecast was seen as the missing link in an otherwise solidly supported market. Natural gas forward prices responded with sharp decreases in…
Breaking: Biden Taps Democrat Glick to Lead FERC


To give one just enough energy, sustenance, entertainment, etc., until they get what they truly need or want. Lost for days in the woods, we had to eat bugs and edible roots keep us going. I am so anxious for the new movie in the series to come out this winter that I'm reading the novels again to keep me going.
to sustain someone or something. I try to eat just enough food to keep me going. Enjoying food is just not an issue any more.
1 make an effort to live normally when you are in a difficult situation or when you have experienced great suffering: You just have to keep yourself busy and keep going.
2 (spoken) used to encourage somebody to continue doing something: Keep going, Sarah, you're nearly there.
do "very Charlie pleased, someone I was ver"I keep going because of my enthusiasm and I enjoy it.
We are to keep going, and not stay and linger in our comfort zone.
I wanted to keep going but to keep going and get hit in my ear was even more painful to take.
He has come from nowhere to succeed and he's given me the confidence to keep going.
I would see a handful of little black girls [who were studying at School of American Ballet] and tell myself I had to keep going for them.
The undertaking will include putting the Energizer Bunny on billboards, taxicabs, bus shelters and skyscrapers from California to New York to highlight the spirit and determination of people who keep going, according to the supplier.
But today, the shop's 24 staff, who have an average age of 74, said they will keep going until a cure for cancer is found.
Remember Newton's First Law of Motion: Once something is in motion, it will keep going until some external force stops or changes it.
Y N Do you keep going and going even when you want to quit?
Energizer today announced the establishment of the "Energizer Keep Going Hall of Fame," and will begin a nationwide search to find those whose attributes and actions best exemplify the qualities and spirit of the Energizer Bunny(R) and the batteries he represents.
Lord, help us keep going in our journey to Your heart, to other people's hearts, and to our very own heart.
Keep going they did, culminating in memorable scenes of celebrations at New Road last Thursday when victory over their old rivals triggered the trophy presentation in front of hundreds of jubilant Bears fans in the sunshine beside the Severn.
I do not want to play the way I have been playing and I will just keep going, keep going, keep going - it will turn round at some stage.
We will keep going until the very last minute of the very last game in the hope that we finish above as many teams as we can.
It's important to keep going in the cup - it's important for us this year.


Creamy light* Vanilla made with wholesome buttermilk and no artificial colours, plus it's 97% fat free! *63% less fat than Blue Ribbon Vanilla.
Dairy ingredients (reconstituted buttermilk and/or reconstituted skim milk, milk solids, cream), glucose syrup (from wheat), cane sugar, emulsifier (471), vegetable gums (410, 407), gelatine, flavours, colours (160b).
Contains milk and wheat. May be present egg, soybean, pieces of peanut and tree nuts.


Another type of Islamic Fund may be an ijarah fund. Ijarah means leasing the detailed rules of which have already been discussed in the third chapter of this book. In this fund the subscription amounts are used to purchase assets like real estate, motor vehicles or other equipment for the purpose of leasing them out to their ultimate users. The ownership of these assets remains with the Fund and the rentals are charged from the users. These rentals are the source of income for the fund which is distributed pro rata to the subscribers.
Each subscriber is given a certificate to evidence his proportionate ownership in the leased assets and to ensure his entitlement to the pro rata share in the income. These certificates may preferably be called 'sukuk'—a term recognized in the traditional Islamic jurisprudence. Since these sukuk represent the pro rata ownership of their holders in the tangible assets of the fund, and not the liquid amounts or debts, they are fully negotiable and can be sold and purchased in the secondary market. Anyone who purchases these sukuk replaces the sellers in the pro rata ownership of the relevant assets and all the rights and obligations of the original subscriber are passed on to him. The price of these sukuk will be determined on the basis of market forces, and are normally based on their profitability.
1. The leased assets must have some usufruct, and the rental must be charged only from that point of time when the usufruct is handed over to the lessee.
2. The leased assets must be of a nature that their halal (permissible) use is possible.
3. The lessor must undertake all the responsibilities consequent to the ownership of the assets.
4. The rental must be fixed and known to the parties right at the beginning of the contract.
In this type of the fund the management should act as an agent of the subscribers and should be paid a fee for its services. The management fee may be a fixed amount or a proportion of the rentals received. Most of the Muslim jurists are of the view that such a fund cannot be created on the basis of mudarabah, because mudarabah, according to them, is restricted to the sale of commodities and does not extend to the business of services and leases. However, in the Hanbali school, mudarabah can be effected in services and leases also. This view has been preferred by a number of contemporary scholars.


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text:
Q: Unable to compile python with pyglet in Ubuntu In Ubuntu 15.10,Running
python3.4 sound.py

leads to this error:
Traceback (most recent call last):
  File "sound.py", line 2, in <module>
    import pyglet
ImportError: No module named 'pyglet'

I already installed pyglet with running this command:
sudo easy_install -U pyglet

resulting
Searching for pyglet
Reading https://pypi.python.org/simple/pyglet/
Best match: pyglet 1.2.4
Processing pyglet-1.2.4-py2.7.egg
pyglet 1.2.4 is already the active version in easy-install.pth

Using /usr/local/lib/python2.7/dist-packages/pyglet-1.2.4-py2.7.egg
Processing dependencies for pyglet
Finished processing dependencies for pyglet

I am confused about what is missing. I guess there are some confusion about different verions of python, pyglet or Ubuntu.

A: From the install output it seems that the installed version of pyglet goes to python 2.7 packages. From your command you are explicitly calling python 3.4 There might be a problem there. python 3.4 will not go to 2.7's packages to check for the module.
I suggest that you call the script using python 2.7. running just python is enough (the default env python)
You can take a look at this question on the installation of python 2 and 3 packages too

redpajama_set_name: RedPajamaStackExchange


Heritage Senior Living offers the full continuum of care, including skilled nursing, at Belle Reve, our community in Milford, PA.
Whether you need short-term rehabilitation or long-term care, Belle Reve is both Medicare and Medicaid certified. Occupational, physical and speech therapy are available.
For residents choosing Belle Reve for rehabilitation after surgery or hospitalization, our main goal is to get residents strong enough to go home.


Just thought I should post his 2 month picture. Bode his 3 month B-day just passed, he has learned to make noise. He has learned how to articulate his lips and change the tone of his noise, as if he was talking. Cliff likes to come home from work put him on his lap and say tell me about your day, and for the next 3 or 4 min, he just goes off....about who knows what.
You are each Angels Straight from heaven! Without a doubt this young man has a great work ahead of him! He is so blessed to have you, Cliff & Keri, as his parents! We all fasted for you today! We pray that you will heal quickly Cliff, and that your prayers concerning your house will be heard and answered! We don't know what is right, be we KNOW that you deserve the BEST that HEAVEN has to offer! Blessings Untold! That is our family fast prayer today! WE LOVE YOU!!!!!
Beautiful Boy! What a great picture, scary how fast he's changed!


UAW Bailed Out, ALPA and others not!
How to Get National ALPA to work for you?
When will we finally stand united?
CAL LEC 170 Baron/Cook/Riggs - Change is coming!
NWA/DAL guys!! Would you be willing to dump ALPA?
Let the UAL spin begin!
National seniority list, for the future.
How to start a Pilot Union?
AStar info picket DHL in Plantation FL. All may join.
What do you like about ALPA ?
Union Rat: Is it Professional???
How happy are you with your Union??
Hey Chocks Where R U? Lost faith in ALPA?
ALPA, what are you doing about this?
What does it mean to you to be a union pilot?
Am I the only one disgusted by the scabs list?


A Shakespearean actor who died for seven minutes painted what he saw when he was unconscious.
Shiv Grewal, from Peckham, London, suffered a massive cardiac arrest after going out for lunch with his wife five years ago – and now depicts what he believes is the afterlife in his art.
The 60-year-old, who just finished an RSC production of Shakespeare's Much Ado About Nothing, had to be revived by paramedics.
He had been previously healthy and fit, but on the way home from the restaurant he began to feel unwell, before his eyes rolled back into his head.
"I was aware my brain was dying and crying out for help. But, at the same time, I felt things completely separate from my body. It was like I was in a void but could feel emotions and sensations.
"Despite knowing I was dead, I also knew that there was a chance of coming home.
"I suffered depression for over 4 years" – Singer, Mo'Cheddah reveals.


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Etsy: This is an online marketplace where artists and crafters can sell everything from paintings to knitted scarves. We've talked to people who make six figures doing this.
Sell at craft fairs: Check FestivalNet.com for upcoming events in your area.
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DeviantART: This site provides a place to sell prints of your photos, animation, digital works and other artwork.
Sell your cellphone pictures: Foap is an app that lets you upload photos you take with your phone and list them for sale on its website, paying you $5 each time one of your photos is sold. Go here if you are using an Android device.
Take stock photos: For photographers with good digital cameras and willingness to do more documentation, there's more money to be made by shooting and submitting stock images and video through commercial sites like Shutterstock, Fotolia or iStock.
Claim lost money: Possibly the easiest way to make money is to check out Unclaimed.org to see if any state where you've lived is holding money that you're owed but haven't received. Examples include old paychecks, rebates or refunds. Check out this story for details.
Collect from a lawsuit: Find out whether you bought a product involved in a class-action lawsuit at ClassActionRebates, and claim money if you're eligible.
Sell blood plasma: A local blood bank or hospital may pay for your plasma.
Swagbucks: This cash-back site will also pay you to watch videos, play games, answer surveys, shop online or use their search engine and this company. Learn more here.
Marketing studies: Marketing firms like Concepts Consumer Research and retailers often test their products on a panel of paid consumers.
Mock juror: Get paid to help attorneys prepare for trials online or in person. Check out OnlineVerdict, eJury or Sign Up Direct, and earn anywhere from $10 to more than $100 a day.
Secret shopping: Secret shopping is also rife with scams, but there are legitimate companies offering cash for evaluating a business. To avoid fraudulent ones, stick with companies that are members of the Mystery Shopping Providers Association. Examples include Sinclair Customer Metrics, Market Force and Intelli-shop.
National Consumer Panel: This Nielsen research group will pay you to share with them what's in your shopping cart — from oranges and chicken to clothes and car parts.
Review music: Help identify the best up-and-coming artists by reviewing new music. Slicethepie pays listeners to review songs in various genres, and shares your opinions with the artists themselves and major record labels.
Watch videos: Earn cash for your opinions on a variety of content, including movie previews, commercials and television shows. Check out InboxDollars and Swagbucks for viewing opportunities. Click here to learn more about watching videos and other ways to make money online.
Caddy: If you love and understand golf and think you're up to the task — which can be physically taxing — being a caddy can net you some decent money.
Tutor: If you are particularly knowledgeable in a certain subject, you can likely find a student who needs help. Check out WyzAnt.com, where you can set your own prices. However, the website does take a cut for its service.
Personal trainer: As with mystery shopping, you will need to get certified. But if you love to exercise, this can be a relatively lucrative gig.
Handyperson: Do you know how to lay tile, fix plumbing or electric problems or do home repairs? Make quick cash doing minor jobs.
Cook: If you love to cook, make meals for people who hate to cook or have no time. Click here to learn how to turn this passion into cash.
Translate: If you're fluent in a second language, get paid to translate, edit, write or proofread material, or interpret for others. Check out TranslatorsCafe as a starting place.
Teach English: If you have a college degree, you can earn $14 to $22 an hour teaching English as a second language with VIPKID, which made FlexJobs' 2017 list of the best companies for work-from-home jobs.
Be a tour guide: Are you proud of your city, knowledgeable about its history and up on all of the coolest and quirkiest things to do? Show it off by giving walking tours with Vayable. Click here for tips on creating a tour. Other sites that offer similar opportunities, with variations on fees and approach, include: Rent a Local Friend, Tours by Locals and Shiroube.
Be a home organizer: Do you have a knack for creating order out of chaos? Your skills are in demand. Become a home organizer and bring some calm into the lives of those neck-deep in "stuff." Advertise on your own, or work through a site like Thumbtack.
Offer professional expertise: If you have knowledge that people pay for, become an expert on JustAnswer. Make money helping people with everyday problems, from home improvement issues to sick pets and weird car noises, or with more specialized knowledge on legal or financial matters. Click here to learn more about how to become an online expert.
Earn on YouTube: If you have sought-after expertise or a particular skill — or just like to make cat videos — share your knowledge on YouTube. You can receive a percentage of ad revenue for every 1,000 views of a video.
Teach a course: A more formal way to make money with your expertise is to design an online course and get paid for student sign-ups on a site like Udemy.
Promote products: If you have a strong social media or web following, join the Awin marketing network and make money promoting services and products to your followers. If someone buys something using a link you've shared, you'll make a commission.
Mow lawns: All you need is a lawn mower and customers. Start by asking your neighbors, then move on to apps like Thumbtack.
Clean pools: If you know the best way to keep pool water sparkling, this can be a lucrative gig.
Walk dogs: Love dogs? Walk them for busy owners. Check out services like Rover or Wag! to get started.
Clean houses: Know any busy parents? They'd probably be happy to pay you to clean their house.
Scoop poop: Offer to keep pets' yards clean. This is particularly lucrative when spring arrives and the melting snow reveals what Fido has left on the lawn.
Play HQ Trivia: This game of trivia, played live each day via an app on your iPhone or Android device, splits a daily prize among the successful contestants. It's not an easy way to get rich, but it's a fun way to try.
Digital lottery: If you feel lucky, digital lotteries offer the chance to win cash, gift cards and prizes. Lucktastic says players can win up to $10,000 daily. Check out more digital lottery games on Google Play.


Page 2 | Alien Hand Syndrome | This comic may not contain any actual aliens.
In case you're wondering why I'm not posting much, my father died of a heart attack recently and things are not going well.
I don't really feel like going into it further than that.
My shoulder still hurts. It's been almost two years now and I've lost hope things will ever improve. I'm also dealing with an opportunistic infection right now, due to a weakened immune system, apparently from being depressed / stressed out.
One stress factor actually being my Patreon… More and more I feel like keeping it going is unethical in a way, because I know I won't be able to ever finish this comic with the way my health is going.
Anyway… that's all for now. bye.
Patreon is probably always going to be my main thing, but the issue with the fee structure changes, which they didn't go through with mind, may have soured some people on it. And then of course there's people who want to make one-off donations every now and then. Plus it's always a good idea to not put all your eggs in one basket.
So for the one-off donations there's now my Ko-Fi.
And for a Patreon alternative there's now my Liberapay.
Liberapay is interesting because it's a nonprofit so they don't charge additional fees. It's different from Patreon in that you have a wallet there that you charge and then slowly use up, that is how they reduce transaction fees. Also, no rewards or anything there, which is fine by me since I don't do rewards right now. If I ever offer real rewards on Patreon, I would keep them behind the paywall only for a limited time anyway.
Gonna have to pare down the quality of my drawings.
At the pace I'm currently producing comics I will literally be dead before I finish AHS, not to mention other comics I want to make.
That's why I really have to find ways to draw more efficiently.
I planned to hire someone to help me with inking / coloring, but the Patreon revenue would have to be a lot more for something like that to be feasible and that is not happening with my slow update schedule.
I look at a lot of webcomics to get ideas and I noticed that my eyes kinda slide off of some sketchy comics or comics that are purely lineart. So I'll be experimenting a bit with the art in the next few pages to avoid this issue while still being faster.
There's still some hope my health situation improves with physical therapy etc. but I'm not betting on it at this point.
Anyway, just wanted to let everyone know what's happening.
You know how I injured my right shoulder roughly a year ago and it still hasn't recovered yet?
Well… I managed to injure the left one as well.
Not sure what else to say without getting too whiny. Uh, check back in another two months maybe.
Drake on A small videogame post.Ahh, I got arachnophobia so that probably won't be happening. Sorry!


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Jesse Davis has been sending me D&D postcards in response to an offhand comment I made a while back about postcards being obsolete. He already converted me from that line of thinking, and I look at postcards much differently now. …And then today I receive a veritable treasure trove from him. Superhero postcards, Star Wars postcards, Fantasy art postcards, pop art stationery, colored pens and pencils, Star Trek, Wonder Woman and Harry Potter stamps.
Sir, I am truly touched, and will absolutely be using them. I will keep them together in the box you sent. Thank you.


AMT-SYBEX are proud to be sponsoring the Northumbrian Water Group Innovation Festival 2018.
Taking place in Newcastle on the 9th – 13th July, the Festival in its second year and is a truly unique event, taking 12 societal and environmental problems and applying design thinking techniques to try to solve them in five action packed days. Once again, the focus on innovation will be mashed up with the feeling of a summer festival featuring a Marquee village and fun events every evening to engage various groups in the North East of England.


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text:
Home World UAE-Israel deal and the Muslim world
UAE-Israel deal and the Muslim world
Fatima Malik
On September 15, 2020, the Abraham Accords Peace Agreement: Treaty of Peace, DiplomaticRelations and Full Normalization Between the United Arab Emirates and the State of Israel wassigned at the White House formally normalizing UAE and Israel relationships. Prior to thistreaty, the UAE, along with most Arab nations and Muslim majority countries, did not recognizeIsrael's sovereignty and had zero diplomatic or economic relations with them (Holland, 2020).The Gulf state is only the third Arab nation to establish diplomatic ties with Israel, after Egyptand Jordan, both of whom share a border with Israel.
The Abraham Accord, which is the treaty signed, includes military cooperation, recognizing each state's sovereignty, engaging in various bilateral agreements, establishing telephone links between the two countries that were blocked before, and direct commercial flights between Tel Aviv and Abu Dhabi (Egozi 2019).
This deal drew lots of criticism and back-lash from Muslim states, including Iranian leadership accusing the UAE of stabbing Muslims in the back, and the Pakistani prime minister, who stated that Pakistan will not normalize any ties with the Jewish state until there is a two-state solution to the Israel-Palestinian conflict, to which the Palestinians agree. Palestinian president Mahmoud Abbas opposed the deal, stating that it was "a betrayal of Jerusalem, Al-Aqsa (an important mosque in Islam) and the Palestinian cause" (Holland 2020). Palestinian leadership also claims that they were not aware of this deal taking place, and were completely blind sided by it. The Palestinian public showed their anger towards the UAE by holding public protests and burning the UAE flag.
The UAE, however, justified this deal by arguing they signed it partly because Israel froze their plans to annex parts of the West Bank, which were part of a U.S. peace plan revealed in January. Despite signing the deal, the UAE still claims to be a supporter of the Palestinian people, and says it believes in a two-state solution. Nonetheless, Israeli prime minister Netanyahu made it clear that this suspension is only temporary and Israel will proceed with the original annexation plan.
Some advantages that the UAE will enjoy from signing this deal include it being easier for them to buy F-35 fighter jets from the US, which will give them an edge over all militaries in the region, except Israel. Moreover, they now have the option of buying Israeli products, such as military technology and other high technology items, in addition to collaboration in other sectors such as health and tourism, which will be mutually beneficial for the two states.
This move by the Emiratis shows a major fracture in the pan-Arab solidarity against Israel. Shortly after the UAE and Israel agreement, another Arab state, Bahrain, also joined the UAE in signing a diplomatic relationship treaty with Israel. Even though the UAE-Israel deal is bilateral, it has major implications on the rest of the Arab world, particularly Palestine.
Germany agrees to send Leopard tanks to Ukraine
US sues Google for 'abusing online ad business dominance'
Fawad arrested from his Lahore residence for censuring ECP
Rybakina, Khachanov reach Australian Open semifinals


BARCELONA star Lionel Messi was tormented by Juventus striker Gonzalo Higuain during their Champions League clash on Wednesday.
Messi and Higuain speaking before their Champions League clash.
Both sides played out a goalless draw at the Allianz Stadium but it was the fact that Messi was dropped to the bench which hit the headlines.
Barcelona secured their place in the knockout stages of the competition with the hard-earned point, but their Serie A opponents must beat Olympiacos in the final group game to guarantee qualification.
Messi has played 23 games for both club and country already this season.
And Barcelona boss Ernesto Valverde thought it would be best to rest his key man ahead of their crunch La Liga match with second-place Valencia this weekend.
The vest fits you well, the vest of a substitute.
Valverde said: "Leaving Messi out was difficult but he has played a lot this season and today we saw a long and tough contest so we thought a rest would do him good."
However, Messi's Argentine team-mate Higuain could not resist having a dig at the 30-year-old.
"The vest fits you well, the vest of a substitute," Higuain said.
The two Argentina internationals played out a goalless draw with their domestic clubs.
The comment was greeted with laughter by Messi who rarely has to settle for a place on the bench.
He was introduced as a 56th minute substitute in place of ex-Everton striker Gerard Deulofeu.
And he came close to breaking the deadlock but Gianluigi Buffon pushed his effort over the crossbar.


The Brother QL-720NW is a professional label printer that is best suited for printing a large number and a large variety of labels. This shipping label printer is exceptional when it comes to printing envelope, packages, folders, and DVDs. However, the best part is that it can also be used for printing banners that can go upto 3 feet long, thus helping you out with managing the bigger projects as well. It is very efficient and also very cost effective. With the speed of 93 labels/minute, it allows you to save big time. Further, the machine has an integrated automatic cutter in it. So, irrespective of the number of the number of labels you are printing, the machine makes your task very clean and smooth.
Further, this shipping label printer comes with great flexibility. It can run on both the Ethernet and the wireless interfaces. Additional to that, the inclusion of the Serial interface makes it suitable for scanning as well, which is not usually found in a printer. Further, the Brother Network uses network management techniques and bPAC development kits available free of cost that can come very handy while integrating and managing the networks.
This shipping label printer also allows you to print directly from the mobile devices. There are several apps like AirPrint, Brother, and iPrint&Label that allows your phone to be synchronized with the printer. It is compatible with a number, of different platforms such as Apple, iPhone, iPad, iPod, Android, and smartphones. You could use your phone to quickly access and print the label templates. You can also go a step ahead and design your own templates. The brother network can also be synced with stamp software so that you can print stamps without having to go the post office. The controls are very easy. They only comprise of point and click, drag and drop features. You could use continuous length tapes for printing custom sized labels.
This is the best label printer with a flexible connectivity for both the Ethernet and the wireless.
A printer that offers a serial interface. This feature allows the users to print labels and download label templates which could be printed onto banners.
It is a very cost effective method of printing not only labels, but also packages, envelopes, banners, file folders and much more. This thermal label printer is greatly suited for commercial purposes.
It is very easy to replace the tape rolls. You just have to drop them in and your task is done. No need to adjust the machine to the right template size so as to make it compatible with the roll. The machine can do this by itself.
The Brother QL-720NW shipping label printer is also very easy to operate. You can go a step further and set up a connection with some network using the Brother's tools for network management as well as the software development kit from bPAC that's available for free.
The Brother QL-720NW has its own label collection, which features a number of pre-designed labels and templates. You will also find banners with some commonly used texts.
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Has a very good warranty period. However, it is designed to last way past the warranty period.
You can play around with the different features that come with this printer, for example, labeling filing cabinet, labeling tool drawers, etc.
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The printer produces some noise which you may find a little disturbing.
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The Brother QL-720NW is a very powerful machine for small businesses. It is an ideal choice both for home use as well as for offices. The Brother QL-720NW prints at a very fast pace and also has a rate cutter. All in all, the printer has almost all the features that would be required out of a professional grade printer. It is one of the best label printer and quite a good bargain for your money.


Egyptian Student living in the United Arab Emirates.
"I believe that home, physically, is a place where you are in a state of unbelievable and incomparable comfort- this place is you and you are it. Its essence imprints on you and welcomes you with a familiar, loving embrace; it is a place where everything makes sense to you and to which you always return. I have lived in the United Arab Emirates for nearly all of my developmental years and was raised by patriotic Egyptian parents.
However, I do not share the same feelings and beliefs they do when thinking about either country. I am a hybridized individual resulting from the marriage of globalization and the rise of the digital age.


Yesterday was a beautiful March day, I wanted to take advantage of the sun, the warm day and my good disposition. It was the right time to think of planting seed for new food. In many European countries is still snowing in March and is the same in Italy, but here in California, in the climate zone 7 and 8, March is the perfect month to plant. My family in Italy is getting jealous!
March is the right time to start feeding houseplants again and repot when necessary. Get the soil tested if you are planning to do some serious food and fruit trees planting. This is the month to start seeds indoor, prune trees and shrubs and get all the garden tools ready for your Spring planting. If you have wet soil in the garden, it is better not to walk on it, use stepping-stones. In my garden, I have many rows of them around plants and vegetation, they are decorative and don't get your feet wet or dirty.
I started with Turbo onions, which is a lovely round onion that stores well and the Red Baron red onion, strong-tasting which produces a heavy crop.
I planted shallots, a more delicate onion, which I use more for fish dishes and some other delicate dishes. I want some asparagus and started some crops indoor, such as aubergines the kind called Diamond, originated in the Ukraine. It crops relatively quickly from a sowing in March.
Started cauliflowers, cabbage and tomatoes. Tomato seeds also do well indoor. I got the gartenperle type, small, cherry size, sweet and tasty, grow in beautiful colors as pink-red, deep ruby-red, pink to rosy red. They are great for containers and even hanging baskets. I make a lot of fast and delicate sauces with them. Tomatoes are always a big surprise, they either come out in overwhelming large quantity, or nothing at all.
In mid March plant some early potatoes if the weather where you are permits it, I will.
I bought a few packets of mixed salad-leaf seeds, can't do without salad in my garden, it's so easy to grow and need not much care. Put a few seeds on to the surface of your compost and don't cover them with a thick layer, they need to breathe.
Towards the end of March when the soil has warmed up, I will want to plant some climbing French beans. I have already prepared the soil and placed cane poles in place. Later I will make two holes at the base of each pole and a couple of seeds per hole. Then, I need to be patient.
Between my food I also plant some beauty. Some begonias, dahlias, dusty miller, geraniums, impatiens, marguerite daisies, marigolds, all annuals to beautify my crop.
While thinking of food crop, I was also thinking of cooking in the garden. I made a very simple outdoor cookery device out of a clay pot and bricks.
No cement or mortar, the bricks are just laid one on top of the other in a circle, the clay pot sits inside of the circle. Inside of the pot more bricks form a flat surface for the wood chips and a grill sits on top of them. Food will be placed on the grill. A clay cover with a whole in the center to allow the steam to escape will keep the food cooking for long time.
This is slow food at its best and I am prepared for relaxing weekends, a good time for writing more books and more blogs, or having some friends over.
I really don't care what goes into my car, but I really care what I put in my stomach.


MEMPHIS, Tenn. – inferno, a full-service advertising, marketing, design and public relations firm, has appointed Kimbrough Taylor as digital marketing specialist and Tarryn Sanchez as account executive. Taylor reports to Beth Wilson, public relations manager, and Sanchez reports to Liza Routh, account manager.
As digital marketing specialist, Taylor will collaborate with the account service and public relations teams to research and identify new digital opportunities, manage and optimize content for SEO/SEM, deliver improvement recommendations for current projects, and provide measurement and reporting metrics for all digital marketing campaigns.
Taylor received a Bachelor of Arts in mass media communication and history from the University of Missouri. After graduating, he served as a consultant and web content manager at the Sharpe Group, where his responsibilities included utilizing Google Analytics and managing the company's social media channels. Following, he was an agent at New York Life, where he assisted families and business owners in developing a sound financial strategies.
In Sanchez's role as account executive, she is responsible for the day-to-day management of client projects, as well as interaction with various agency departments, including creative, media, public relations, interactive and production.
Prior to joining inferno, Sanchez earned a Bachelor of Arts in media studies from Vassar College and served as an account coordinator at Karsh Hagan, a full-service marketing and advertising agency in Denver. In that position, she was instrumental in the Brussels + Muscles Brand Launch that won a gold ADDY in the District AAF American Advertising Awards.
Founded in 1999, inferno provides brand development, advertising, public relations, design and digital marketing services to clients across a broad spectrum of industries. Headquartered in Memphis with a satellite office in Kalamazoo, Michigan, the award-winning firm produces results- driven work by passionately combining strategic thinking, creativity and culture to ensure the success of its clients.


Dev is happy about the library, but not happy when she realizes how the funds were found to re-open the library. Her mother's new husband is the man with the money- and Dev is still angry at her mother for how she acted after the ordeal that sent Dev's father to jail years ago.
Get Spook-Tacular With Cozy Mysteries for Halloween!
The author sent Traveling With T this book for review consideration.
This book was sent to Traveling With T by author in exchange for a honest review.
Opening an old-fashioned five-and-dime shop in her small Missouri hometown has been a great change for Devereaux "Dev" Sinclair. But when she hosts a reading group there, she learns that bad writing can mean life or death.
To keep her new business in the black, Dev opens up her shop to local clubs. But in the first meeting of the Stepping Out Book Club, the speaker storms out after members attack his poetry's sexism and scorn for small towns. Later that night, the poet's body is found outside Dev's store.
Ahh… a day in the life of Dev- she's got 2 men wanting to be with her, 2 men that complement her in unique ways, she worries about her grandmother, and she finds out in this book that her dad will be returning from jail. So, Dev is trying to make the money while the sun is shining- which is why she opens up the Dime Store to clubs for bit of extra cash. The first book club meeting, though, may be the last- as the members get peeved with the author for his attitude toward women and small-town life. Dev knew many were peeved when they left, but she did not know who was peeved enough to kill the author or why they did it- was it because of the book club meeting? Or is there much more to this story?
What Dev knows is this: She can't afford to be shut down while the police are looking for the killer- so off to work she goes. With a little help from the good doctor, Noah, and the hunk-alicious Deputy US Marshall, Jake- Dev is sure to get to the bottom of this mess, quick, fast and in a hurry. Which leaves her to think about other things- such as who is the yin to her yang?
I enjoy the Dime Store Mystery series! It's fun, cute, and Denise writes small-town characters that are interesting and nice to read about. While I'm a bit more of a SCUMBLE RIVER fan, this DIME STORE mystery changed that. Dev has hit a groove with me in reading and I found myself not comparing to Scumble River as I have in the past. One thing I really liked about this book was that Denise is allowing us to see chapters from the male's point of view- something I don't remember her doing in Scumble River (although, perhaps I have forgot!) Getting to know Jake and Noah a bit, through their own thoughts and not the actions we see in the Dev chapters, added a bit to this book.
Even though recently, I went on a bit of rant about love triangles and their length, I actually like love triangles (as long as they don't go on too long!) Right now, the love triangle with Dev, Noah and Jake is fine. Cute. You'll hear it first when the triangle needs to leave the building, though.
Overall, enjoyable! A nice cozy mystery with some great characters. Definitely add this to the TBR list!
*Dead Between the Lines was sent to Traveling With T by author in exchange for a fair and honest review. All thoughts and opinions are mine alone.
I've got my eyes on the lookout for pumpkins and other signs of the fall fast approaching- what about you?
1. Deep South Mag and their #literaryfriday: Giveaway of 2 books (1 is Karen White's latest, THE TIME BETWEEN!), Claire Danes, news about last week's AJC Decatur Book Fest, and much more!
2. Jessica McCann posted a lovely post titled What Cupcakes Taught Me About Life and Literature. Read. It's VERY good!
3. This week on Traveling With T, I had several author spotlights: Dana Bate, Denise Swanson, and Emily Liebert.
4. Interviews, interviews, interviews: Dana Bate, Denise Swanson, and Emily Liebert.
5. I reviewed 2 books this week: Murder of a Stacked Librarian by Denise Swanson and You Knew Me When by Emily Liebert.
6. Another AWESOME blogger featured this week: Cindi @ Utah Mom's Life!
7. My #fridayreads: The Wrong Girl by Hank Phillipi Ryan, The Funeral Dress by Susan Gregg Gilmore, and Beautiful Day by Elin Hilderbrand.
8. Katherine at Story Matters– one of my AWESOME bloggers mentioned a couple of weeks ago asked to interview me (me!, Little ole me!) In the interview we cover my #literaryconfessions (yes, yes, after asking everyone and their mama their #literaryconfessions- someone turned the tables on me and asked me the question. I confessed freely (even though it might be a bit shameworthy for a bookworm to admit!) Thank you, Katherine for the Spotlight on Tamara Welch, Book Blogger!