text:
La Joya ISD may be forced to pay nearly $2.7 million in insurance lawsuit
By Dave Hendricks | September 4, 2021 | 0
The La Joya Independent School District may be forced to pay nearly $2.7 million to Ruth Villarreal Insurance for breaking a contract with the company.
State District Judge Librado "Keno" Vasquez signed an order Wednesday morning that set the damages at nearly $2.7 million. La Joya ISD, however, will not pay Ruth Villarreal Insurance anything unless the district loses a lawsuit against the company.
The litigation could last for years. Vasquez asked La Joya ISD and Ruth Villarreal Insurance to attend mediation, which could help them avoid huge legal bills.
"You could use that money for something else to benefit our community, instead of going back and forth racking up — no offense, attorneys — attorney's fees," Vasquez said, adding that taxpayers could be forced to pay La Joya ISD's legal bills, Ruth Villarreal Insurance's legal bills and damages if the district loses the lawsuit. "So, at the end, the loser here is going to be La Joya ISD."
The dispute started in 2012, when La Joya ISD signed a three-year contract with HealthSmart Benefit Solutions to handle the district's employee health insurance plan.
Villarreal was the "Broker of Record."
In 2013, the school board terminated Villarreal and hired a different insurance agent. Villarreal filed a lawsuit, claiming La Joya ISD had breached the contract and fired her for political reasons.
From left to right: Hidalgo County Precinct 3 Commissioner Everardo "Ever" Villarreal watches as attorney Audra Gonzalez Welter and attorney Eden Ramirez, who represent La Joya ISD, argue their case against attorney Javier Peña and attorney Carlos Escobar, who represent Ruth Villarreal Insurance. (Photo by Dave Hendricks / The Progress Times.)
After four years of litigation, La Joya ISD settled the lawsuit in 2017.
La Joya ISD agreed to pay $300,000 to Villarreal and $1.5 million to her attorneys. Along with the payments, the settlement agreement included an unusual provision.
Villarreal agreed to forgo $3.3 million that she claimed in damages. In exchange, La Joya ISD approved an eight-year contract with her company.
"In consideration of the services, agreements, and settlement of prior litigation between the parties, in the event that the District terminates this agreement prior to its expiration on December 15, 2024, for any reason, the District shall pay liquidated damages to Agent in the amount of $68,375.00 per month, for each month remaining on the original term of this agreement at the time of termination," according to the contract.
The dispute also had a political dimension.
Villarreal's husband had become a player in western Hidalgo County politics. He planned to run against longtime Precinct 3 Commissioner Joe Flores in the March 2020 Democratic Party primary.
That created a rift between Villarreal and members of the school board who supported Flores. La Joya ISD filed a lawsuit against Ruth Villarreal Insurance in February 2020, accusing the company of fraud.
"First of all, we have a breach of contract claim and a declaratory judgment claim saying that Ruth Villarreal Insurance agency did not have a license in order to do the services that she contracted for," said attorney Audra Gonzalez Welter of Austin, who represents La Joya ISD. "And we did not find out about that until October of 2019."
Gonzalez Welter said Villarreal couldn't meet her obligations under the contract without a life and health insurance counselor license.
"And so, basically, since that point in time we would ask for restitution of the money the district has paid for those services that she's been illegally providing," Gonzalez Welter said.
Attorney Javier Peña of Edinburg, who represents Ruth Villarreal Insurance, said the license was just an excuse La Joya ISD used to justify the decision.
"What'd they do once they fired Ms. Villarreal? They hired another insurance agent that doesn't have that license either," Peña said. "That has the exact same license as our client."
After the lawsuit was filed, Villarreal's husband defeated Flores and became the Precinct 3 commissioner-elect. Attention turned to the La Joya ISD school board election in November 2020.
La Joya ISD board President Oscar "Coach" Salinas, who had supported Flores, sent text messages to Jacinto Garza, the CEO of L&G Consulting Engineers, about the contract with Ruth Villarreal Insurance.
"We WILL BE FIRE (sic) HIS WIFE ON SWEARING IN DAY!" Salinas wrote in a text message, according to screenshots filed in the lawsuit, which reference the November 2012 school board election. "GUARANTEED!"
La Joya ISD terminated Ruth Villarreal Insurance in December 2020, less than a month after the school board election.
Ruth Villarreal Insurance filed a counterclaim, accusing La Joya ISD of breaching the contract.
"Obviously this is a, for lack of a better word, very political, contested issue," Vasquez told attorneys for La Joya ISD and Ruth Villarreal Insurance. "I mean, you know that and I know that. It is what it is."
To avoid the appearance of impropriety, Vasquez said he hadn't attended events in western Hidalgo County — and had even skipped his son's track meet, concerned he might see a member of the school board.
Attorneys for Ruth Villarreal Insurance had subpoenaed members of the school board for the hearing on Wednesday morning, but not a single trustee showed up. Vasquez said he wanted the trustees to attend.
"If they're a part of the lawsuit, they must be here," Vasquez said.
While the trustees were no-shows, an FBI agent and a law enforcement officer from the Texas Department of Insurance watched quietly from the gallery. After the hearing, Vasquez and the court reporter discussed how they could request a transcript.


When I started out building websites and blogging, I used free themes. At first, I thought free were great. As I started building my sites and wanting more capability, I grew frustrated.
If you're new to WordPress, do check out my "Mer information Videos" course. With over 40 video tutorials, I'll show you how to get a free listing in Google and unleash the power of your WordPress blogs.


3″ x 3″ embroidered FlightCast patch!
3″x3″ black and white embroidered patch, no backing.
*Please note that patches are fulfilled from a different location than all other merchandise and as such will be shipped separately at a flat rate.


These plans can be used properly at any medical establishment, hospital or doctor nationwide no matter which company you are dealing with to buy the plan. There are many network-based insurances but this is not suitable for the Medicare supplement plans. On the contrary, these plans give you enough flexibility that you will be able to use the plan anywhere in the country that takes the Medicare. Due to the great level of flexibility, these plans have become more popular as the best supplement for your Medicare coverage.
There are no variations also in the time period that how efficiently and how quickly one company pays the claims than another. Some of the companies may use the selling points of their timelines in paying the claims but this is not properly right when it comes to this type of insurance. As the Medicare supplement plans are federally standardized and pay claims in crossover system, you can be assured that regardless of any company, your claims are going to be paid in a timely manner and there should be minimal or no involvement from their insured clients. Once you have bought the plan, you just need to have your blue, red and white Medicare card as you are receiving services from a hospital or any doctor.
These are viable plans for the people who are on Medicare and want to limit their medical expenses.


text:
Test 3 HUMAN
READING SECTION DIRECTIONS
The Reading section measures your ability to understand academic passages in English. You will read passages and answer questions about them. Answer all questions based on what is stated or implied in the passages.
You will read three passages. You have 60 minutes to read the passages and answer the questions.
Most questions are worth one point, but the last question in each set is worth more than one point. The directions indicate how many points you may receive.
Some passages include a word or phrase in bold type. For these words and phrases, you will see a definition in a glossary at the end of the passage.
27. In paragraph 1, the author makes the point that
A. there are similarities between human migration and animal migration
B. most people who migrate move to another region in their home country
C. human migration varies in the distance traveled and the factors involved
D. we understand only some of the conditions that cause people to migrate
28. Which statement best describes step migration?
A. A family systematically lists their reasons for leaving home.
B. A village man moves to the city to work to support his family.
C. Workers migrate seasonally to wherever jobs are available.
D. A family moves a relatively short distance several times.
29. The word impel in paragraph 3 is closest in meaning to
A. force
B. dare
C. permit
D. invite
30. All of the following are identified as conditions that may push people to move away from their place of origin EXCEPT
A. the inability to find employment
B. prejudice based on religion
C. a high standard of living
D. environmental disasters
31. Which sentence below best expresses the essential information in the highlighted sentence in paragraph 3? Incorrect choices change the meaning in important ways or leave out essential information.
A. Only when conditions at home become unbearable will people migrate to another country.
B. Push factors are more powerful than pull factors in stimulating human migration.
C. The three leading causes of migration are economics, politics, and environmental change.
D. The decision to migrate a great distance normally results from both push and pull factors.
32. The word vague in paragraph 3 is closest in meaning to
A. serious
B. unclear
C. difficult
D. simple
33. It can be inferred from paragraph 3 that
A. governments encourage migration by describing push and pull factors
B. few migrants fully understand why they leave their home communities
C. people may overestimate the chance of finding work in their chosen destination
D. the same factors that pull people to one place may push away other people
34. What is the main purpose of paragraph 4?
A. To present some economic causes of migration
B. To describe the long–term effects of poverty
C. To explain why some migration is only temporary
D. To compare past and present causes of migration
35. In stating in paragraph 4 that the growing urban populations worldwide are composed of people who have cut themselves off from their roots, the author means that these people
A. come from a variety of cultural backgrounds
B. have chosen not to return to their villages
C. will eventually forget their native language
D. feel homesick and regret moving to the city
36. Paragraph 5 supports which of the following statements about migration?
A. More people migrated during the twentieth century than in any other period.
B. Most migration is the product of our human desire to find meaning in life.
C. Political circumstances are a major factor driving numerous migration streams.
D. International migration will continue to increase because of war and revolution.
37. The word strife in paragraph 6 is closest in meaning to
A. tradition
B. education
C. advancement
D. conflic
38. In paragraph 6, the author provides two examples to illustrate that
A. other factors join environmental factors in causing migration
B. famine and drought are caused by political corruption
C. push and pull factors in migration can not easily be separated
D. migration caused by environmental conditions will increase
39. Look at the four squares, A , B , C and D ,
which indicate where the following sentence could be added to the passage. Where would the sentence best fit?
Consequently, the majority of migrants move only a short distance.
People migrate from source to destination in well–defined streams. A Many migration streams actually consist of a series of stages, a phenomenon known as step migration. For example, a peasant family from the countryside is likely to move first to a village, then to a nearby town, later to a city, and finally to a metropolis—the capital or the largest city in the region. B The intensity of a migration stream depends on such factors as the physical distance and the degree of difference between the source and the destination. It also depends on the flow of information from the destination back to the source. C People are likely to have more complete and accurate information about nearby places than about places that are farther away. D
40. An introductory sentence for a brief summary of the passage is provided below. Complete the summary by selecting the THREE answer choices that express the most important ideas in the passage. Some sentences do not belong in the summary because they express ideas that are not presented in the passage or are minor ideas in the passage. This question is worth 2 points.
Humans migrate on a variety of geographic scales and for several reasons.
A. Migration can occur as a long stream to a distant location or as a series of short moves to a nearby destination.
B. People are more likely to migrate a short distance than they are to migrate to another continent.
C. Migration results from circumstances that either push people to leave their homes or pull them to new destinations.
D. The largest migration in history occurred when 14 million people relocated after the partition of India and Pakistan.
E. Environmental disaster and political factors caused the large flow of migrants from Ireland to North America.
F. Economic, political, cultural, and environmental conditions are major factors in human migration
1. The long–term movement of individuals, families, or larger groups to a new location outside their community of origin is known as migration. Human migration occurs on various geographic scales: from one continent or country to another, between regions within a single country, and from one city neighborhood to another. Several factors stimulate migration, including economic conditions, political conflict, war, cultural circumstances, and environmental factors.
2. People migrate from source to destination in well–defined streams. Many migration streams actually consist of a series of stages, a phenomenon known as step migration. For example, a peasant family from the countryside is likely to move first to a village, then to a nearby town, later to a city, and finally to a metropolis—the capital or the largest city in the region. The intensity of a migration stream depends on such factors as the physical distance and the degree of difference between the source and the destination. It also depends on the flow of information from the destination back to the source. People are likely to have more complete and accurate information about nearby places than about places that are farther away.
3. The decision to move is the result of various stimuli, which social scientists classify as "push" and "pull" factors. Push factors are the conditions that impel people to leave their home communities. The lack of jobs or educational opportunities, political fear, ethnic or religious discrimination, and natural disasters are all examples of push factors. Pull factors are the circumstances that attract people to certain destinations, such as better living standards, the chance of getting a job, and family connections.The circumstances that induce people to move from one part of the world to another—economic, political, and environmental conditions – usually involve a combination of push and pull factors. Because people are usually more familiar with their home community than with a desired destination, they are likely to understand push factors more accurately than pull factors. Pull factors tend to be more vague and people often have overly optimistic expectations of their destination.
4. Economic conditions are a leading factor in human migration. Throughout history, poverty has driven millions of people from their homelands. Industrialization has attracted populations to urban areas in search of economic opportunity. The flow from farms or villages to the expanding metropolitan and industrial centers has occurred both within and between countries. During the twentieth century, Russians moved into the new industrial centers in Siberia, Chinese migrated to Manchuria and Southeast Asia, and Africans moved from tribal areas into the mining regions of South Africa and Congo. Today, perceived opportunities in destinations such as Western Europe and North America encourage numerous migrants to search for a better life. Some workers migrate only seasonally or temporarily. Especially in newly industrializing areas, workers tend to retain their village roots and return home after a period of earning in a factory or mine. However, most migrants relocate permanently, and the growing urban populations worldwide are composed of people who have cut themselves off from their roots.
5. The twentieth century saw an increase in migratory flows caused by the push factors of political oppression, revolution, and war. Refugees fled from Russia after the 1917 revolution, from Germany and Italy during the Nazi and Fascist regimes, and from Eastern Europe after the Second World War. Millions of people were uprooted as a result of political, cultural, and religious conflict. The partition of India and Pakistan in 1947 led to the uprooting and resettlement of around 14 million Muslims and Hindus—the largest single movement of people in a short period. The armed conflict in the former Yugoslavia during the 1990s drove as many as three million people from their homes. In the same decade, a civil war in Rwanda forced more than two million Rwandans from their homeland.
6. Reasons for migration include environmental conditions, often in combination with economic and political problems. A major historical example is the Irish famine of the 1840s, when prolonged rains and blight destroyed the potato crop. The resulting famine, along with the oppressive political system, caused hundreds of thousands of peasants to migrate from Ireland to North America. In recent decades, a series of droughts resulting from successive rainless seasons in sub–Saharan Africa, combined with such factors as ethnic strife and civil war, have caused large–scale migrations and a growing refugee crisis in the region. Glossary:
blight: severe plant disease
Continue to Listening Part 1 and 2

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A super brandable top-level domain will be soon available for registration.
On July 17 2008 the ccTLD .ME (Montenegro) will open for registration.
In Open Registration, registrations are made on a first-come, first-served basis. Anyone is eligible to register names in this period. Contact an accredited .ME registrar to make your registration.
You'll be able to register .ME domain with GoDaddy.com. So, are you ready with your wish list?


While most people have modern flat-screen LCD or LED TVs these days, I still get a large number of questions from people who own older tube-type TV's like the one pictured here.
If you are one of those people, I'll describe your options for free and cheap TV in this article. Some of these options will require some money up front, but it's usually less than the cost of one month of cable TV.
The most common question I get is "how can I watch broadcast TV on my old tube TV"? Well, you'll need to purchase a converter box and an antenna.
But before buying anything, enter your zip code in the Station Finder on the front page of disableMycable.com and make sure the channels you want are available in your area. The available channels are usually the networks, PBS, and some local stations. If most of the channels you want are green, with some yellow, you are probably OK.
Next, you'll have to get a converter box. This article describes some, or you can check your local Radio Shack. They are about $50.
Finally, you'll need an antenna. My personal favorite antenna is the Mohu Leaf. Get the cheaper non-amplified version if you have a lot of close stations on the Station Finder. The more expensive amplified version doesn't perform much better unless you live far from all stations. (In full disclosure, I have received free Mohu antennas for review purposes, but I have also received lots of other free antennas that I don't recommend as much).
Connect your converter box to your TV, then your antenna to your converter box. Follow the instructions that came with your converter box, and you'll be set to watch the broadcast channels in your area.
Tweaking the antenna position to get all of the available channels takes some work. You can follow my tips in this article.
Roku requires an Internet connection and Wi-Fi. There is no Ethernet connector on the Roku Express+.
Out of the current Roku lineup, only the Roku Express+ has composite output which will work with old tube TVs. Don't confuse this with the regular Express without the "+", which will not work with old TVs. (Yes, I know, terrible naming convention; someone at Roku marketing should be fired).
Competitors such as Apple TV, Chromecast, and Amazon Fire don't have composite output and won't work with your tube TV.
If you can get your hands on an older Roku 1 or Roku 2, those also will work with your tube TV.
Once you get it hooked up, you'll be able to subscribe to pay TV services like Netflix and Hulu, or buy shows a la carte on Amazon Instant Video (which is what I do). Check this page for a review of media services.
There is also some free content on Roku, but it's not a direct substitute for cable TV in the traditional sense. One of my favorite channels on Roku is YouTube, which is free. If you want local news, check out the free NewsON Roku channel.
I like to use a Roku for occasional paid content along with a broadcast TV antenna to watch the network channels.
If you want the live TV (cable-like) experience, check out Sling TV or Playstation Vue. These require an Internet connection and a set-top box (like Roku), and there is a monthly fee, but it's less than cable TV. The content on these services streams live, just like cable (and broadcast) TV.
Do you have a game console like an Xbox or Sony Playstation. These have the capability to stream Netflix and Hulu, as well as some other video services. Yes, you have to pay for Netflix and Hulu every month, but they are a lot cheaper than cable.
The next option I want to talk about is renting DVDs from your local library. Did you know they have DVD's? Most of them do now. Check your library's website. You might be surprised at the selection. This is a great option if you really need to save money. This is the DVD section of a local library I visited recently.
Not bad, huh? You can even browse and reserve DVDs online. This library also shows free movies on Wednesday nights. I was surprised at how recent they were – less than 6 months old!
Also try trading or borrowing DVDs from friends and family. Or, check out used CD/DVD stores, and thrift stores for cheap movies on DVD.
If none of these options are appealing to you, you can try to negotiate with your cable company for a lower rate. I was able to get a lower price if I committed to a one-year contract. That is one tactic. The other is to shop around and threaten to cancel your service or leave for a competitor. These tactics are usually quite effective at getting some discount.
Satellite TV (Dish) is actually pretty cheap for the first year (about $40 per month, as of this writing), and then it goes up like crazy after the first year. But, you can get at least one year of cheaper TV, then cancel when the price goes up. By then, there may be other options.
I know this whole article is about what to do if you have an old tube TV, but the cost of modern flat LCD/plasma TV's are so low that you might want to consider it. You can get a 32″ flat-screen TV for less than $200. And, that saves you from having to buy a converter box for $50. The remaining $150 is less than the cost of three months of cable TV (for some people, that is one month of cable!) If you are willing to get a used TV on Craigslist or a thrift store, you can save even more.
What About Connecting My Computer to My Tube TV?
I actually don't recommend this. First, you'll have to buy an adapter box to convert from VGA to composite video. This costs under $100. But, the resolution will be pretty bad and I think you'll find it difficult to navigate websites using your blurry tube TV screen.
Connecting your computer to a modern digital flat screen TV, on the other hand, is great. I do that.


Correa lawrenceana Hook. is a widespread species in south-eastern Australia with eight recognised varieties. The Tasmanian variety, var. lawrenceana, is morphologically diverse. The present study uses multivariate morphometrics, including cluster, ordination and canonical discriminant analyses of samples of all recognised varieties of C. lawrenceana to assess whether more than one Tasmanian form warrants taxonomic recognition. These analyses showed that (1) var. lawrenceana can be divided into two well discriminated groups that are both endemic to Tasmania, a glabrescent form from the north-east and a hirsute form from the western, central and south-eastern regions, (2) the glabrescent form matches the type of C. lawrenceana and thus retains the name var. lawrenceana, and the hirsute form matches the type of C. lawrenceana var. ferruginea Hook.f. that is reinstated. The two varieties are separated geographically except in a small area around Deloraine in the north where intermediate morphological forms occur. The density of trichomes on the abaxial leaf surface is important for distinguishing the two Tasmanian varieties. An updated key to all varieties of C. lawrenceana along with descriptions of the Tasmanian varieties is presented. Nomenclature of the Tasmanian taxa is discussed and C. lawrenceana, C. lawrenceana var. glabra Benth., C. lawrenceana var. glabra L.Rodway and C. ferruginea Gunn ex Hook. are lectotypified.


With the end-of-term tests scheduled to start on Monday, this Friday was the last opportunity for students to complete their Project Based Learning (PBL) assignments.
All the students from Grade 1 to Grade 9 took part it this activity and there were some impressive presentations on display.
The photos below show some of the EP students' projects.


Medpace offers global flow cytometry capabilities, with flow cytometry departments located at our US, Belgium and Singapore central laboratories.
With an already robust menu of validated assays, the increase in new biomarker assay validations speaks to the seamless service we provide to our Sponsors.
As part of our mission to deliver superb customer service and site support, we have recently expanded our kit building capabilities in the US and are currently expanding in the rest of the world.
In this post, we highlight some of the key investments we have made in each of our biorepositories around the world and what that means for our Sponsors.
With the advancement of precision medicine, molecular and genetic testing is becoming a critical component for patient selection and individual assessment of the risks and benefits of treatment. Known for partnering with sponsors at a very high-level of scientific engagement, the expansion of our molecular suite (1,975 square feet) further enhances our ability to support sponsors with advanced testing to detect pathogenic events at the genome level.
Data from central laboratories have been key for assessing safety, tolerability, and efficacy of new drugs in clinical trials. With the increasing complexity and global scale of many clinical trials, it is important to maintain harmonization. Learn how we harmonize our data across our regional laboratories.
As a full service, global CRO with an integrated central lab, Medpace has the scientific, operational and regulatory expertise to manage your celiac disease clinical trial.


The median monthly gross residential rent in Yakima, WA (the Yakima metro area) was $771 in 2017 according to the Census ACS survey.1 Average gross rent in Yakima was $786 in 2017. The median rent more accurately depicts rental rates in the middle of the distribution of rents and is thus preferred in the analysis below. 2018 Yakima median and average rent data will be released in September of 2019.
Data is also available below for Yakima rental vacancy rates, Yakima rent as a percent of median income and the fraction of renters in Yakima.
Median gross rent for Yakima peaked in nominal terms in 2014 at $793 and is now $22 (2.77%) lower. At $786, nominal average gross rent in Yakima was at its highest level in 2017 since the series began in 2005.
Median gross rent for Yakima peaked in real terms in 2014 at $812 and is now $41 (5.05%) lower. Average gross rent for Yakima peaked in real terms in 2011 at $815 and is now $29 (3.56%) lower.
The rental vacancy rate is the fraction of homes for rent that are not occupied.3 In 2017 the rental vacancy rate for Yakima Washington was 2.29% according to Census ACS data.
The rental vacancy rate in Yakima peaked in 2005 at 8.83%. Since then it has fallen by 6.54% to 2.29%. Data records for this series originated in 2005. From a 2016 post peak low of 2.20%, the rental vacancy rate has increased by 0.09%.
Using median household income data for Yakima, we can calculate the fraction of income the median household would use to pay rent at the median monthly gross rent rate. For Yakima, median monthly gross rent as a fraction of median household income was 19.52% in 2017 according to the ACS.
The fraction of median Yakima household income required to pay median monthly gross rent peaked in 2013 (relative to the 2005 series origin) at 22.10%. Since then it has fallen by 2.58% to 19.52%.
You can calculate the renter fraction in Yakima in at least two ways: by housing units or by population. I've gone with the housing units measure here. This measure looks at the number of renting households in Yakima as a fraction of total Yakima households. In 2017 39.84% of households were renters according to Census ACS data.
At 39.84%, the 2017 household based renter fraction in Yakima was at its highest level. The origin year for the series is 2005.


The famous French author Alexandre Dumas never let fact get in the way of a good story: his ability to spin a yarn made his books instant bestsellers. But, having unravelled the stories behind two of Dumas' most famous works, Roger Macdonald presents a startling solution as to the true identity of the Man in the Iron Mask.
Long before the days of mass-produced paperbacks, Alexandre Dumas achieved sales of over one million for his Musketeers trilogy: The Three Musketeers (1844), Twenty Years After (1845) and The Man in the Iron Mask (1850). In an obituary notice published in 1870 after his death, aged sixty-eight, an American newspaper placed Dumas second only to Napoleon Bonaparte as the most famous man of the century. Yet the great French playwright and author, having set the Musketeers firmly on the road to immortality, had been compelled through circumstance to obfuscate their origins, until they came to be regarded as entirely fictional characters, when they were really based on flesh and blood. In doing so he also unwittingly distanced himself from clues to the true identity of the secret prisoner in the mask, a tale more extraordinary and terrible than even Dumas could devise.


A snack is a part of food, but usually smaller than serving size of a regular meal, that is eaten mostly between meals. Snacks come in different forms and sizes and can either be packaged or made from fresh home ingredients.
Snacks consumption in Nigeria is one that does not regard age, class, tribe nor religion. Whether you talk about market men and women, students or people sat in officers working, snacks is a major part of food and also compulsory for a lot of them who find it hard to eat regular meals during work periods because of their demanding jobs, but have something to snack on right in front of them.
Ceremonies, gatherings and social functions are not left out of this snack hunt. Whether you talk about weddings, birthday parties, religious ceremonies and even get together parties by corporations and organisations, there is always a place for snacks. So, if you are unemployed and thinking of what to do or are currently employed but thinking about being self employed, going into the snack business is a wise choice. Now, why do we say it's a wise choice? The first reason is that it has a huge market. Secondly, progression in this business is very high. On a scale of one to ten, you could start on one and in a couple of months you are above seven on the scale as long as you do things the right way. Thirdly, you can move from being self employed to being an employer of labour. I could go on and on about why this business is a wise choice but the grandest reason of all is its profit generation. Due to the high demand of snacks, there is the best possible opportunity of maximizing profit, whether from sales of a single snack like in the case of cakes or profit got from fast and quick turnover of sales of smaller snacks like doughnut, chin chin e.t.c. One beautiful thing about this business is that it is not affected by harsh economic situations. People will always eat even when prices of snacks increase because of increase in price of raw materials. Now you are probably thinking and trying to figure out snacks varieties. We will give you some types of snacks production you can go into.
Cookies (vanilla and chocolate chip cookies).
Apple, seedless grapes and banana mix.
Groundnut and cashew nut mix.
Raisins and dried pumpkin seed mix. Raisins are dried grapes.
Dried banana, raisins and cashew nuts mix.
The combinations have no limit, however you have to keep in mind that snacks with fresh fruits have to be hygienically prepared, stored in the refrigerator and not kept for more than a week. These type of snacks does not need to be produced in large quantity at first. Small quantities mainly for sample purposes should be made initially and when the request grows, you can increase production quantity and trust me, you will create a memory in the minds of people with your innovative touches.
Now that we have had an introduction to snacks business, let us move on to what we need to set up a snack production business.
Market research: You are probably thinking you know all about snack production business and a market research is not necessary, but no so. Snack production business is a very popular business that you are not the first to start, neither will you be the last to venture into it. Some people go into a business with so much enthusiasm that soon dies off because of the absence of proper market research. So, if you intend to start up this business and keep the ball rolling, then you will need to know more about the market for this business.
Who your major buyers will be.
What is trending in the business, especially around your choice location.
If available products are giving customers satisfaction. If you find that existing products are not meeting customers satisfaction, you can capitalise on this and turn it to a huge advantage for your business. So do your market research, find out the missing link and be ready to fill in that missing link.
Feasibility studies: A feasibility studies will help you analyze if your proposed business project is possible and if it will possible at you proposed estimated cost. Feasibility studies will help you analyze the legal, technical, organisational and financial factors of your business. For instance, if you are aiming to have your products supplied to supermarkets and eateries, you will be asked by most of them to provide certification or production approval especially by NAFDAC ( National Food and Drug Agency and Control). So a feasibility studies will cover this aspect, which happens to be the legal aspect of a feasibility studies. This studies will therefore help you analyse the aforementioned factors, if your business success and progression depends on it and what it will cost to have these factors addressed.
After payment, text your full name, email address and title (snacks business plan sample) to 07033378184. Your business plan will be sent to your email within 15 minutes.
Get trained: If you already understand the rudiments of snack production, you may not need the training. However, you can improve on product modifications and add more skills and knowledge to yourself by consulting videos online and recognised snack making books. If there is a trending skill you desire to learn, then you can get trained by a professional. This can be done for as short as two weeks or possibly shorter.
However, if you do not have the slightest idea about snack making, then you will need to get registered at a reputable training institute, where you can get appropriate training. You may decide to employ workers, but the more knowledgeable you are about the business, the better.
Location: Location is a very important factor for this business. It is true this business can be started from your home if you are starting on a small scale. However, whether you are starting on a small scale or medium to large scale you need a good location to sell your products. First thing is to target a busy environment. The more people around your target location, the higher your sales will be and the more profit you will make. So when thinking of a location, look out for busy areas like school environment, office environment, bus stops, motor parks, around markets, proximity to halls that are rented out for events.
Business name and logo: This is an important aspect of this business. Your business name and logo can be a marketing point for you, and can also create a spot in the memory of those that hear or see it. This is very good for your business. You don't have to be formal in choosing a business name. It is advised to go informal when choosing a business name. For instance, instead of using delicious snacks, you could use instead chop chop snacks. This will attract people that hear or see the products and will make them want to give it a try.
Purchase your equipments: Equipments purchased will depend entirely on the types of snacks you will be making. Some snacks may need frying, while others may need baking. Below are some major equipments you need for your snack production business. As time goes on, you will be able to decide on additional equipments you need to purchase.
Work tables. Remember to coat table surface with durable material that will not leave wood particles in the snacks.
Shelve to keep products and allow them cool off, and for products display as well.
*** Note: Fire detection and prevention equipments always come in handy. You can install smoke detectors in your work area. Mistakes can be made and things on heat could be left longer than they should and start to burn. A smoke detector will alert you if this happens. There are cheap ones you can buy online. A fire extinguisher is also very important, as it will quickly help you stop the spread of fire in cases of fire outbreak. However, the most effective of them all is to practice safety and be very vigilant.
7. Materials needed: Below are some of the major materials needed for snacks production business.
Minced meat for meat pies. You can buy meat and mince it yourself if you purchase the machine.
Egg for egg roll production.
Employ labour: You may not need an extra hand if you are starting small. However, if you are starting on a medium to large scale, you need to employ labour. Ensure to employ staffs that are generally enlightened and experienced in snack production.
Registration and Relevant approval: You may not need to register and get NAFDAC approval immediately. However, once your business starts to grow and you begin to make contacts to spread you products to eateries, supermarkets, restaurants, offices e.t.c Then you need to get registered and get NAFDAC approval. NAFDAC approval boosts confidence in your products. Most people will easily buy a product that is approved by NAFDAC than one that is not. Registration gives you the required legal backing needed to run your business. It also protects your business idea from theft. Where such happens, it will be easier for you to take up the case legally.
*** Hygienic environment and process of snack production is paramount to get approval from NAFDAC. Also, check NAFDAC guideline for food production to avoid using materials and ingredients that are not approved.
Marketing: No matter how good your products are, if you aim to be one of the major distributors of snacks in your locality, then you must work for it. One good place to start is with drinks distributors. Offer them free sample of your product or products. Once they are convinced and want to partner with you, make them distributors. Supermarkets are also great places to market your products. You can also have a nice show glass in a strategic place where you can sell and display your products. Also, lobby for position to make snacks in ceremonies when you have the opportunity. Once the word about your business goes out and gets the desired attention, you will be the one trying to meet up with demands.
You may be wandering how much profit is in this business. Is the business demanding? Yes it is! But the profits raked in far outweigh whatever time, energy, innovation and money you put into it. Cakes are usually hot sales. You can sell a cake between #5,000 and #20,000, and trust me, these are for small cakes. You can sell a cake for #20,000, and this can even get better. Some cakes are sold for as high as #200,000. Is that a stretch? I can guarantee you it is not. If your cakes are top notch, the price will not be a problem. Now let's look at profit margin from sales of smaller snacks.
#20,000*26 days ( if you do not work on Sundays) = #520,000.
Now assuming you produce only 26 days in a month, you will have a total sales of #520,000. This is just a quick calculation for just two snack types. Other snacks are there you could make everyday in addition to these ones and in a month you can have a sales of over one million Naira. After removal of production cost and staff salaries, you will see that the labour put into this business is worth it. So, dear reader, if you think you have what it takes to be that exceptional snack producer, then I'd say go for it.
The price of your snacks should be right. Do not over prize them. This can make you loose customers and do not under prize either, it will reduce your profit.
Your products should be packaged attractively. It is this first attraction that will make people want to thirst your products. Some people use ribbons for packaging. Use what suits you best, but be innovative.
You can sell soft drinks with your snacks to increase your profit and patronage, especially if you have the space to accommodate chairs and tables where people can sit to eat. You can make local drinks like zobo, soymilk, tigernut milk e.t.c. Trust me, with the right combinations and preparation patterns, you will never be short of customers especially when you are in a strategic position.
The quality of your product should speak for your business. However, be mindful of cost of production of your snacks. The lower the production cost, the easier it is to make good profit.
Products with short shelf life, that is products that spoil quickly should not be produced in very large quantities. You can produce such products based on demand.
Do not sell products that have gone bad by mixing them with fresh ones. This will destroy your business very fast.
Keep an organised record of products. If by chance you do not sell all your products in a day, the remnants from the previous day should be sold first, as long as they are still healthy enough to be consumed. Snacks that can be stored in the freezer till the next day should be stored but not for too long.
If you live around a university, you can take your products to sell around hostels in the evenings. You should use a vehicle with a large booth, that way you can display your various products. It will fetch you sales and contacts. Students enjoy partying and if you can give them quality products, you will be on their top favorite snack producer list.
Make hygiene a priority in your business always.
Keep proper records and audit accounts from time to time. This will help to monitor your sales and profit and also determine if you are making profits or losses.
After payment, send your full name, email address and topic (i.e. snacks business plan sample) to 07033378184. Your business plan will be sent to your email within 15 minutes.
Am on my way to creating my own business plan!


text:
Orrskär med Hamnskär och Segelgrund är en ö strax väster om Finbo i Eckerö på Åland. Den skiljs från Finbo av ett cirka 4 meter brett sund.

Viken mellan Orrskär och Hamnskär är grund och stenig, men erbjuder några goda tilläggsplatser på Orrskärsidan. Orrskärs västra sida stupar brant ner i havet.

Öns area är  hektar och dess största längd är  kilometer i sydväst-nordöstlig riktning.

Källor

Åländska öar i Bottenhavet
Öar i Eckerö

redpajama_set_name: RedPajamaWikipedia


text:
Pratilipi - FireNovel
Pratilipi – FireNovel v6.33.0 MOD APK (Premium Unlocked)
Pratilipi
This is a premium app that you can install on your phone. You will be able to have unlimited access to the premium features of this app, and you will also be able to use it without any restrictions. This means that you can use the app as much as you want without any limitations or restrictions. You do not need to pay anything extra in order to get access to these premium features.
Pratilipi – FireNovel v6.33.0 MOD APK
In order for you to use this app, you will first need to download it from the link below: [link]. After downloading it, open up your phone's App Store and search for "Pratilipi" in order to find the app's icon there. Tap on that icon and then tap Install at the bottom right corner of the screen once again after doing so! Pratilipi is an amazing game with a lot of exciting features. You can play it on your Android device with just one click. The game is easy to play and the interface is very simple. You can start the game by using the button on your screen or use the "start" button in the menu bar. The game allows you to create a lot of characters and monsters, but you can only create one character at a time.
READER LANGUAGES stories varieties
You can also use different weapons in this game, such as swords, axes, bows and arrows, staves and more.
Pratilipi is an RPG game featuring a unique battle system. In the game, you will be able to control your own character as you travel around and complete quests. You can also build your own home and decorate it with furniture, plants, and other decorations.
Pratilipi is a new kind of RPG that combines the classic feel of turn-based RPGs with real-time strategy.
You play as the leader of your guild and have to work together with other players to advance through each level.
The game is designed for mobile devices, but can be played on desktop as well.
The Pratilipi – FireNovel v6.33.0 MOD APK is a free-to-play game that offers a unique blend of RPG, MMORPG and Puzzle. The game has a rich storyline and characters.
The game is set in a fantasy world where you can fight with monsters, explore dungeons, collect gold coins and use them to purchase equipment, weapons and other items. In addition to that, you can also fight with other players in PvP mode or join your friends on multiplayer mode to defeat enemies together!
HUGE COLLECTION OF READING STORIES
You can control your character with the help of gestures or tap on the screen when there's no obstacle in front of you. You can also use special skills by tapping on the screen at specific intervals during battles.
1. Download the Pratilipi – FireNovel v6.33.0 MOD APK from the link below
2. Install the app on your Android device
3. Open the app and sign in with your Google account or create a new account
4. Enter your email address, choose a password and confirm it
5. Click "Set" to save your account detect.
Download Pratilipi - FireNovel
You are now ready to download Pratilipi - FireNovel for free. Here are some notes:


text:
PatientPoint
PatientPoint creates end-to-end Salesforce processes with Conga Composer, Grid, and Sign.
After diagnosing a disjointed system, PatientPoint prescribes Conga to save time & money.
PatientPoint works with over 1,000 hospitals and 50,000 medical practices in the country to aid with point-of-care solutions to improve every interaction a patient has with his or her doctor.
PatientPoint's process to get there, though, once involved a very manual PDF-based operation that included several steps across many departments. The client solutions team processes about 12,000 documents annually, and in many cases, documents were incomplete or needed to be redone.
Internally, PatientPoint was having some difficulty keeping track of projects reported across different Salesforce objects. There wasn't one singular place where a sales rep or manager could go to manage active projects.
In fact, all of PatientPoint's document systems were housed in different places — and they didn't interact with one another.
With Conga Composer, Conga Grid, and Conga Sign, PatientPoint now has an end-to-end digital document process that saves money, time, and energy.
Composer brought the document generation process directly into Salesforce as the "one record of truth." Proposals are sent to the customer and the finance team with ease, while keeping everyone in the loop.
Grid has helped the PatientPoint team keep track of internal projects and improved visibility. The solution saves salespeople and managers time, as reps can view and manage opportunties and update data more quickly and easily. Sales operations has also used Grid to find creative ways to plan and manage territories. For Salesforce administrators, Grid also serves as a great way to clean up data and records, which provides them the freedom to better use Salesforce.
Ultimately, PatientPoint closed the Digital Document Transformation circle with Sign, and they were able to seamlessly create, manage, and sign documents from beginning to end, all in one system. Sales reps are more productive and there's a lot less paper floating around the office.
Business outcomes
The time to process a contract went from 30 to 45 minutes to just 3 to 5 minutes.
Implementing Composer contributed to a return on investment equal to a full-time employee.
Sign saved PatientPoint about $30 per seat over its previous eSignature provider, which added up to savings of about $14,000 annually.
"After implementing Grid and Composer, we essentially had an end-to-end process in Salesforce that didn't exist before. It was a disjointed process across a plethora of systems that didn't talk to each other. But now, not even a year later, the impact on the business and the visibility that exists because we forced the end-to-end process into Salesforce is unreal." Leslie Carrigan | Vice President of Sales Transformation PatientPoint
Learn how Conga Sign can help you speed up your sales cycle with effortless eSignature.
Enjoy the Suite Life with Conga
Learn how you can start living the Suite Life with Conga.
View, filter, and act on data in an intuitive, simple interface, with Conga Grid.
Websites are full of words that tell you things. And that's great. But sometimes you just need to see how stuff works. So we made a demo for those occasions. We'd love to show it to you.


It was a choice outlined for us yesterday by Emily-Rose Eastop, the Oxford graduate who was accused of being "a posh brat" after setting up a crowdfunding campaign to cover her fees for an MA (again at Oxford) in cognitive and evolutionary anthropology. "It's no secret that the public will crowdfund all manner of projects and campaigns," she wrote. "If the online community is prepared to fund a potato salad, or a pizza museum, then why not a Master's degree?
But in praising her initiative and donating to her campaign, we're not just helping one young woman achieve her ambition. We're making an implicit statement about the way further education should be funded: that if you've got the personality to sell yourself and carry off a slick YouTube video, you are somehow worthy of a place on a Master's course. Meanwhile, those who are equally gifted but more quietly academic - less obviously saleable - will have to delay their studies or give up on them all together.
The photogenic and confident leapfrog the shy even in academia, an area where the latter might otherwise be allowed to thrive. (Eastop is photogenic, as the image above demonstrates - and if we're comfortable with using what we have to get what we want, it shouldn't be a problem pointing this out.) Over on another crowdfunding site, the less obviously media-friendly Nick Gaven has raised £700 towards a Master's at Oxford, a fraction of what Eastop has managed.
I called PR man and branding expert Mark Borkowski to talk about this trend towards crowdfunding in education, expecting him to tell me to ditch these romantic notions about academia and accept that personal branding is now key in all areas of our life. But even Borkowski, who has made a living out of packaging people into saleable units, regrets how far this culture has now spread.


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Fatal distracted driving accident haunts Muskegon Township man, devastates victim's family
Updated: Jan. 20, 2019, 11:32 p.m. | Published: Feb. 02, 2012, 4:01 a.m.
By Heather Lynn Peters | hpeters@mlive.com
Jeremy Griffin, 33, of Muskegon Township, talks about the accident that killed 19-year-old Corey McNett. Griffin was driving a 2003 Ford pickup with an attached snowplow around 12:45 a.m. Feb. 13, northbound on the highway north of the Shettler Road overpass, when he struck McNett. "I see his face everyday," Griffin said about Corey. Chronicle photo by Kendra Stanley-Mills
Update: Jeremy Griffin learns his fate in court
FRUITPORT TOWNSHIP — Jeremy Griffin was returning from his snowplowing route on Feb. 13, 2011, when he looked away from the road for a "split second" and slammed his snowplow into a 19-year-old West Olive man standing on the side of the highway.
In that moment that Griffin struck and killed Corey Francis McNett, he was either taking his truck out of four-wheel drive, grabbing a cigarette off his passenger's seat or glancing at his phone — he doesn't recall which. McNett's legs were amputated and he died at the scene.
"I know for sure I took my truck out of four-wheel drive. I don't remember what I was doing before. I did get texts throughout the night. I was not texting, I was not talking (when it happened)," he said.
"Was I looking at my phone? Possibly. I recall not seeing a car, then seeing a car. I looked up and I saw Corey's face and then a flash of white, which would have been the car."
Images of the horrific crash scene on northbound U.S. 31 near Shettler Road in Fruitport Township have haunted 33-year-old Griffin of Muskegon Township "every day" over the past year.
McNett had just put gas in his vehicle and was in the process of closing the trunk of his mother's white Ford Taurus when Griffin's truck struck him.
His death due to distracted driving is part of a disturbing driving trend causing serious injury and death across the nation, authorities said. Michigan logged more than 34,000 crashes involving some forms of distracted driving and 9,000 cellphone-involved crashes alone in the past decade, statistics show.
McNett's family remains devastated by the loss of a young man his friends described as witty and warm-hearted.
"I look at pictures of Corey every day. It's so unreal. I expect him to walk through the door any day now," said his father, Ken McNett. "It's a living nightmare."
"The pain of his loss is simply unimaginable," added McNett's mother, Lisa McNett, in a statement.
• Overview of MLive's findings
• The entire 'Distracted Driving' series
Authorities are well aware of the dangers distracted drivers bring to the roads, but most say it's a problem that will only get worse as some technology evolves.
Muskegon County Sheriff Dean Roesler said drivers continue to "multi-task" rather than strictly focus on the road.
"We've tried to condition ourselves to multi-task even during times when we should be focused on driving," he said. "For the generations coming up, this multi-tasking, it's commonplace. That's all they know."
Cellphone use remains a large problem, but any sort of distraction can be deadly, Roesler said.
"With the amount of distractions — cells, GPS systems, videos — we've become conditioned that this is the norm, to be multi-tasking while driving," he said.
Statistics show that the problem was worse in 2010 than at any time in the past 10 years.
Nearly 4,000 crashes that year were partly attributed to some form of distracted driving.
'Oh, my God, both his legs are gone!'
McNett had been putting a gas container back into the trunk of his mother's white Ford Taurus around 12:45 a.m. that morning when Griffin, who works for R&R Landscape, was heading home from his snowplowing route.
Griffin recalls engaging in off-and-on cellphone conversations with his girlfriend throughout the night, and receiving text messages.
Authorities said McNett and a friend, Tommy Fazi, who had been in the passenger's seat, had run out of gas.
Corey Francis McNett
They walked about 100 feet away from the roadway to a resident's home and borrowed a pop-bottle full of fuel, Fazi said.
When the amount of borrowed fuel wasn't enough to start the car, McNett set out on his own, back to the same house, for more.
Fazi remembers only a few moments before and after the crash, but recalls the last thing McNett said to him: "I'll be back." And then he walked away and returned with more fuel, Fazi said.
Fazi, up on his knees watching McNett pour gas into the tank, realized as his friend began to close the trunk that Griffin's truck was heading right for him.
"He wasn't able to close the trunk all the way," before he was hit, Fazi said.
The impact of the collision pushed the vehicle and McNett several feet away.
Fruitport Township Police DepartmentThe impact of Griffin's truck pushed the vehicle McNett was standing behind several feet, police had said.
The force caused Fazi to lunge backward, making him strike his head and back on the front dash.
"I got out as fast as I could. The doors of the car came off so I slid out. I just tried to find Corey," Fazi said.
"I was scared and shaking. When I found him, I just thought he seemed OK. He seemed OK at first. He was breathing and talking for a second and I told him I loved him. He was just breathing really, really hard."
Gripping audio from the 911 call details a chaotic, confusing accident scene. Griffin hopes McNett can be saved, but it doesn't take long for him to realize the severity of the man's injuries.
"Help me, he's bleeding! He's missing his leg!," Griffin shouts to the dispatcher. "Oh, my God, both his legs are gone! Oh, my God ... I hit him with my plow truck."
Griffin is heard telling the dispatcher that McNett appears to be breathing.
The dispatcher can be heard telling Griffin to try and give McNett CPR, but Fazi is heard in the background telling Griffin to stay away from McNett's body.
Fazi said he recalls that moment and remembers he didn't want anyone — including himself — to touch his friend.
"I didn't touch Corey at all," Fazi said. "He was just looking around. He was on his stomach, but looking around."
Griffin said his mind was racing and every move he made at the scene seemed like it took "forever."
"I ran up to Corey and saw his leg was missing. I said, 'Oh, crap! His leg is missing!' I ran back to my truck because I knew I had a belt ... but I could not get it because my passenger's side door was locked," Griffin said.
"I ran around to the driver's side and went to open the door and I saw Corey's (other) leg next to my door.
"I grabbed the belt and ran back to Corey. I was going to use the belt to wrap it like a tourniquet."
But when Griffin approached McNett, he knew he "couldn't help." Griffin said he knelt down by McNett and realized his injuries were fatal.
"He was on his side, his arm stretched out. I went to reach for a pulse on his neck, but I was shaking just terrible.
"The 911 dispatcher is asking me to reach for a pulse. I rolled his wrist over to check the pulse and Tommy came running up. He wanted me away from him," he said.
Emergency personnel then arrived to the scene, carrying a blanket, not medical gear, and Griffin feared the worst.
"The whole time I thought, 'There's a chance.' But then maybe it was wishful thinking," he said. "I was thinking, 'Why are you showing up with a blanket?'"
Shauna Bowen, 39, of Muskegon Township, hugs her daughter Sydney Bowen, 12, as they talk about what her son, Tommy Fazi, has had to go through after he witnessed his friend, Corey McNett, die. A driver of a pickup truck was distracted and struck and killed 19-year-old McNett of West Olive last winter on the shoulder of U.S. 31 in Fruitport Township. Fazi was inside the vehicle and suffered injuries as well. Chronicle photo by Kendra Stanley-Mills
The crash has affected many lives, extending to McNett's 18-month-old daughter, Sophia, "who will never even have a memory of him," said Lisa McNett.
Fazi and Griffin, both grappling with the horror they experienced that day, suffer from anxiety and insomnia.
Fazi has since dropped out of high school and is in the process of getting his GED certificate from an alternative high school.
"After the accident, people would just nag me about the accident. I got tired of the questions. I just couldn't go back," Fazi said.
He's been to counseling and takes multiple prescription drugs to curb his sleeping and anxiety issues.
"I think he has a hard time closing his eyes because he sees what he saw," said Fazi's mother, Shauna Bowen.
Fazi also suffers from chronic back pain since the crash.
"I've been to a chiropractor, but my back still hurts every day," he said.
Shauna Bowen, 39, of Muskegon Township, wipes away tears as she talks about what her son, Tommy Fazi, has had to go through after he witnessed his friend, Corey McNett, die. A driver of a pickup truck was distracted and struck and killed 19-year-old McNett of West Olive last winter on the shoulder of U.S. 31 in Fruitport Township. Fazi was inside the vehicle and suffered injuries as well. Chronicle photo by Kendra Stanley-Mills
Bowen, too, suffers from the aftermath of the crash. It's the "What ifs" that haunt her most.
"Even if it had been even three seconds later, Corey could have been done and been in the car. I'll question that forever. Just the odds — I just want to know the reason and I'll never get that answer," Bowen said.
McNett had lived with Bowen and Fazi at the time of the crash and "off and on" over the years, Bowen said.
"Corey was such a big part of our family," Bowen said, wiping away tears.
Griffin has had a difficult time even talking about the crash, but has learned to accept the consequences.
"I hate that I have caused someone's family so much pain. It was an accident. It wasn't a deliberate action. To live knowing you did this to someone is the hardest thing ever," he said, struggling to keep his composure.
"I know he has sisters and a brother. I don't know why, but after the accident, I wanted to learn about this guy. I go to his Facebook page a lot. I'm drawn to it.
"My biggest thing is, with time, I just want (his family's) hearts to be healed. I'm not asking for forgiveness. I'd trade my spot with Corey today."
Griffin is scheduled to be sentenced in Muskegon County 60th District Court on Feb. 10 — just shy of a year since the fatal crash — on a charge of moving violation causing death, punishable by up to one year in jail.
The McNett family reached a $1 million settlement last month with Griffin and R&R Landscape in a wrongful death lawsuit.
Griffin adamantly denies being on his phone or responding to a previous text from a girlfriend he had received immediately before the crash — something authorities had questioned.
A Fruitport Township police report indicates that Griffin told officers at the scene he was on his phone when he struck McNett, but Griffin said that was taken out of context.
Griffin said he admitted to being on the phone earlier in the night, but not when he hit McNett.
David P. Shafer, who represented the McNett family in the civil lawsuit, said he believes Griffin had been in the process of sending a text message back to his girlfriend when the crash occurred.
"If it was erased, then there would be no record of the time it was typed, which could have been when he struck a helpless Corey McNett who was well off the traveled portion of the roadway," Shafer said.
Griffin will lose his driver's license for 90 days as part of the penalty associated with the crash.
Since the crash, Griffin said he's driven with extreme caution and advises others to do the same.
"If a phone call comes in, it sits there until I get where I'm going. It's just the little things now, like, you can't throw a pin in front of me without me noticing," Griffin said.
"I've been in an accident that caused the death of someone's son. It doesn't take but a blink. It's a split second that changes your life and others' lives completely. No one is untouchable."
Email: hpeters@mlive.com


This is one of the major issues that society has. It's not going away anytime soon. It has been awhile since I actually posted about depression. But we need to start controlling how this affects us all. The biggest problem is being open about the situation driving up to depression.
Talking about your problems can bring you to the exact solution. You don't have to be depressed all the time. It can be controlled. I'm going to open up our communications in order to maintain a steady flow of positive information.
Many people who are depressed find themselves completely alone. This does not have to happen because nobody is ever alone in this world.
If you suffer from depression, feel free to send me a private message via the contact me page here on my blog. I'm here to listen to your concerns, don't hide behind your fears. Let's find a solution today!
I'm here to help those who really need attention.
Use Social Media to your advantage. Connect with people who have the same interests.
Then you are good to go. It takes lot's of patience to succeed.
I suffer from depression, as many of my friends on WordPress do. Thank you for your kind words.
Your Welcome, many people feel alone and some people seem to have a roadblock.


SAVIOURS is a series of pre-raphaelite Victorian portraits by photographer Danielle Spires, of women with their beloved pets. Pets are our saviours from suffering, they are our guardian angels.
"SAVIOURS" is a series based off of my deeply personal relationships with my beloved pets. My cats have been my protectors during a lifetime of debilitating illness that has led to frequent surgeries. They've brought me out of deep depressions, watched over me during tumultuous times, and have been there every step of my life, never passing judgement. With this series, I wanted to embrace the idea that we all have saviours, and they present themselves as furry little creatures that love us immeasurably. Suffering is unavoidable, we will all face physical and emotional pain. Pets are our saviours from this suffering; they are our advocates, our champions, and our guardian angels.
Each portrait is based on Pre-Raphaelite Victorian paintings of women, when portraiture was more realistic, poetic and sensual, and less formal and stoic. I wanted to manifest the infallible love we have for our pets, the ones constantly keeping us from the edge of darkness. The serene feelings emoted in each portrait are complemented by the subject's cherished animal.


We managed to catch another limit of dolphin yesterday. It was pretty sporty offshore today but the charter hung in there tough and we made it happen . Good job guys!
Limits of dolphin and another wahoo . Great fishing everyday and beautiful weather . Come and join us for a great adventure .
Another great day of dolphin fishing ! Our charter caught a limit and had two nice wahoo. One was a 45 pound citat ion , way to go guys!
Another great catch of dolphin for our charter today. We had a fun group of guys that enjoyed their day on the water .
Another great day on the ocean with a wonderful group from Northern Va. These guys were really a team. First thing in the morning they caught a limit of dolphin and caught a White Marlin before lunch. We had a sailfish come in and try us but we could'nt make it stick. In the afternoon we would catch a few more dolphin and a nice wahoo to finish the afternoon. Please give the fishing center a call if you would like to enjoy some of this action . The weather is going to be beautiful the rest of the week and the begining of next. Don't miss out, the fishing is hot!
Fun trip today, with a great group of people. These guys were real fishermen! They caught a limit of dolphin in the morning and then went on to catch a white marlin and a sailfish before heading home. The ocean was beautiful today! We still have some days open in August . Dolphin fishing is really hot right now and the marlin action gets better everyday!
We had a great group of guys from New York fishing with us today. We had great dolphin fishing all day and ended up with a limit. After lunch we had good marlin action. The guys did a great job catching a pair of sails and a pair of white marlins. Fishing is getting hot don't hesitate to call the fishing center and book a day with us on the Dream Girl.
We had a fun group of guys today on the Dream Girl . We caught Yellow and blackfin tuna and some nice gaffer dolphin. Water was pretty and can't wait to get back out tomorrow. Please call Billy Baum or the Oregon inlet fishing center to book a trip, we have some days open this month .
We had great action today with mahi tuna and a nice wahoo!
Our crew landed a nice blue one today along with a few mahi mahi great going guys!
Congratulations to the crew capt. Jay and Buddy for a great blue marlin boated aboard the dream girl! What a day a six hundred and twenty six pounder congratulations guys!!
We gad another great day in the ocean aboard the dream girl today! Our crew did a great job landing three white marlin along with a sail fish and a couple mahi mahi!
We had great marlin action today catching five whites. Our anglers also landed an eighty pound tuna on 25 pound line at he end of the day! Great going guys!
Good times on the dream girl! We had good dolphin action today with three large schools that were hard to get to bite our anglers did a great job scraping out a few along with a nice tuna and a sixty pound wahoo!
We had great action today with mahi,kings,small yelowfin,and a few big sharks we released. Great going guys on your day and thanks!


Digital marketing pioneer Adobe has really been on a tear says Adobe President and CEO, Shantanu Narayen. Adobe acquired commerce cloud platform Magento for $1.68 billion and then acquired Marketo for $4.75 billion.
dotmailer First Magento Marketing Platform To Get Platinum Technology Partner status.


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Jeep to Honor Chris Kyle Launched at SEMA
Taya Kyle, the wife of American Sniper, Chris Kyle has today launched a special edition Jeep Wrangler in her husband's honor at the SEMA Show in Las Vegas.
The Chris Kyle "The Legend" Jeep range has been developed by McKinney, Texas company, Complete Customs and will be available for sale through select Jeep Dealers in North America.
"Complete Customs came to us with this concept of producing a Jeep in Chris' honor and when we heard the interest that being shown by project partners and the Jeep dealers, we were seriously amazed," said Taya Kyle.
"The vehicle had to be a reflection of Chris' love of the outdoors and allow us to raise awareness of the activities of the Chris Kyle Frog Foundation with veteran and first responder families."
The Chris Kyle "The Legend" Jeep has been built to be the ultimate outdoor recreation 4×4 and will look just as tough cruising the streets as in the great outdoors.
"This is more than just a project for the Complete Customs team – we're bringing two American Legends together – Chris Kyle and the Jeep Wrangler – you can't get much more American than that," said Shaun Freilich, owner of Complete Customs. "It is a labor of love for our team. As soon as Taya started talking to us, we knew there was a lot more to this story than what has been well documented.
"The Chris Kyle "The Legend" Jeeps give us the opportunity to produce a kickass custom 4×4 but also give back to the community through the work of the Chris Kyle Frog Foundation and what it is doing for the veteran and first responder community.
"Our supplier network, the Jeep dealers we've spoken to, indeed Taya and her team, along with all our staff and families are heavily invested and behind this deal. We're also meeting with many more suppliers at SEMA to finalize the specifications of the retail product."
The two Chris Kyle "The Legend" Jeeps that were unveiled at SEMA will be used as show cars and then auctioned off early next year – with the funds raised from the Blue version going direct to the Foundation and the Brown version going to assist Taya and her family.
"There are a number of Jeep dealers that will be selling the Chris Kyle Jeeps to the public, but we ask that if you are interested in buying one that you approach your local Jeep dealer to contact us," Mr. Freilich concluded.


The first phase of the Djibouti International Free Trade Zone ("DIFTZ"), expected to be the largest free trade zone in Africa, was launched on 5 July 2018. The DIFTZ will house a variety of manufacturing plants and offer investors various incentives, including tax exemptions.
Following the presentation of Ghana's 2018 mid-year budget on 19 July 2018, Parliament passed, inter alia, the Value Added Tax (Amendment) Bill, 2018, the Income Tax (Amendment) Bill, 2018 and the National Health Insurance (Amendment) Bill, 2018 on 28 July 2018.
exempting persons who are taxable under the VAT flat rate scheme (ie, subject to VAT at a flat rate of 3%) from the NHIL.
On 25 July 2018, the Minister of Finance presented the Petroleum (Exploration & Production) (General) Regulations, 2018 (L.I. 2359) to parliament.
On 31 July 2018, the Ghana Revenue Authority ("GRA") announced the implementation of the Luxury Vehicle Levy on vehicles with engine capacities of at least three litres (excluding commercial vehicles), with effect from 1 August 2018.
Vehicles with an engine capacity of 3.0 – 3.5cc are subject to a levy of GHS1 000; vehicles with an engine capacity of 3.6 – 4.0cc, GHS1 500; and vehicles with an engine capacity exceeding 4.0cc, GHS2 000.
Pursuant to the enactment of the Standard for Automatic Exchange of Financial Accounting Information Act, 2018 (Act 967) which, among other things, requires reporting financial institutions to collect and submit information to the GRA, the Minister of Finance, on 25 July 2018, announced that Ghana intends to commence the automatic exchange of information with effect from September 2019.
The Mauritius Revenue Authority ("MRA"), on 26 July 2018, issued a communiqué announcing that the due date for the transmission of information required under the Common Reporting Standard ("CRS") to the MRA has been extended from 31 July to 31 August 2018.
On 31 July 2018, the MRA announced that the due date for reporting Foreign Account Tax Compliance Act ("FATCA") information to the MRA for exchange with the US Internal Revenue Service has also been extended from 31 July to 31 August 2018.
The amending protocol to the Mauritius-United Kingdom Income Tax Treaty, signed on 28 February 2018, entered into force on 13 July 2018 and generally applies from 28 February 2018.
The protocol amends article 10 (Dividends).
The Nigerian federal government, on 12 July 2018, reconstituted the Tax Appeal Tribunals ("TATs") in the six geo-political zones as well as in Lagos and Abuja in accordance with the Federal Inland Revenue Service Establishment Act, Cap. F36, LFN, 2004. The TATs, empowered to adjudicate over disputes arising from the operation of federal tax laws and regulations in Nigeria, should assist in clearing the backlog of pending tax cases that had been filed during the period the TATs were in recess.
Every TAT is made up of a chair and four commissioners who are experts in taxation, management and trade and will serve a term of three years from the date of appointment.
Following the release of the Income Tax (Country by Country Reporting) Regulations, 2018, the Federal Inland Revenue Authority, on 11 July 2018, published Information Circular No. 2018/01: "Guidelines for Country-by-Country (CbC) Reporting in Nigeria" and Information Circular No. 2018/02: "Guidelines for the Appropriate Use of Information Contained in CbC reports".
These guidelines appear to replicate the Organization for Economic Cooperation and Development's ("OECD's") guidance on the implementation of CbC Reporting: BEPS Action 13 (2018) and direct taxpayers to rely on the OECD's CbCR implementation guidance for any clarification or explanation not contained in the guidelines.
The FIRS also published the CbCR Notification Form, which is to be completed and submitted annually by multinational enterprise group entities in Nigeria that are obligated to file CbC reports.
On 25 July 2018, the Seychelles Revenue Commission announced the postponement of the deadline for the submission of CRS data by financial institutions from 30 June 2018 to 31 July 2018.
The Supplementary Finance Act, 2018 was passed by parliament on 12 July 2018. Significant amendments include changes to import duty rates, excise duty rates, the forestry levy as well as fisheries fees and royalties.
The Value Added Tax (VAT) (Rates) (Amendment) Regulations, 2018 were published in the Official Gazette on 9 July 2018, increasing the standard VAT rate from 14% to 15% with effect from 1 August 2018.
The Tanzania Revenue Authority ("TRA"), on 11 July 2018, announced the implementation of a tax amnesty scheme ("TAS"), as provided for by the Finance Act, 2018. The TAS provides a waiver of all interest and penalties due on such liabilities, provided the taxpayer submits a written undertaking to voluntarily settle the principal amount due at the latest by 30 June 2019. Controversially, the amnesty does not extend to the principal amount of tax due and taxpayers first need to acknowledge a tax debt before being able to qualify for amnesty in respect of penalties and interest on such amount.
Payments by instalments are permitted under the TAS, provided the payments are made within the 2018/19 financial year and no later than 30 June 2019.
The TAS covers all taxes collectible by the TRA except customs and excise duties and other revenues that the TRA is mandated by law to collect on behalf of local governments, agencies and other government departments, such as gaming taxes, property taxes, etc.
In order to give effect to the amnesty scheme, the Minister of Finance issued the Tax Administration (Remission of Interest and Penalty) Order, 2018 on the same day.
The TRA has announced that the withholding tax system has been moved to the new Revenue Gateway System and, with effect from 1 July 2018, it will only accept online withholding tax certificates for purposes of claiming such withholding tax as a credit against income tax liabilities. Manual certificates will no longer be accepted.
However, the system does not cater for taxpayers not registered with the TRA and, accordingly, non-residents not registered in Tanzania will have to apply to the TRA for a "paper certificate".


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Samsung's deeply bowed Galaxy Round (pictures)
What happens when you take a smartphone screen and bend it lengthwise? That's what Samsung found out in this seriously curved phone.
Jessica Dolcourt
Oct. 9, 2013 9:52 a.m. PT
1 of 11 Sarah Tew/CNET
Curved Samsung Galaxy Round takes a bow
Samsung has made phones with slightly curved faces before, but we haven't seen anything like the Samsung Galaxy Round, which bends the actual AMOLED display technology lengthwise beneath the glass.
Read First Take
Smile! Samsung's done something different again
Samsung is no stranger to experimenting with smartphone form. You can see how deeply this Round arches when viewed from the top.
Rock-a-bye
To take advantage of the phone's kinetic, rocking energy, Samsung added a feature that will show you the date, time, call details, and battery information when you rock the phone, even when it's in sleep mode.
Bent, but not bending
It's important to distinguish that the Round may be able to rock like a cradle, but the phone itself is unyielding. It takes a lot more than flexible display technology to make a truly flexible phone.
A curvier Note 3
High-end specs are very similar to the Galaxy Note 3's internals, including Android 4.3, a 5.7-inch 1080p HD screen, split-screen software capabilities, and 3GB of RAM.
Like the Note 3, the Round uses faux-leather stitching on its backside.
Take a shot
The curved screen won't affect your ability to snap photos and videos on the 13-megapixel camera and 1080p HD video camera.
There's still a question if the screen's slight bend will improve how well you can view photos, videos, and read articles indoors and outdoors. We'll be sure to dive into that.
As with the Note 3, the Round charges with a Micro-USB port at the bottom, alongside a USB 3.0 port.
10 of 11 Sarah Tew/CNET
The curve isn't particularly noticeable from the side.
For now, the Round is sold solely in South Korea, but we hope it extends to other markets soon. You can read more on our hands-on impressions here.


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Story Behind Hymn 'Amazing Grace' Being Told on Broadway
Veronica Neffinger | Editor, ChristianHeadlines.com | Tuesday, August 18, 2015
#slavery
#Broadway
#Christian faith
#Amazing Grace
Perhaps the most famous hymn of all time, "Amazing Grace" is now on Broadway in a show that tells the story behind it.
Carolyn Rossi Copeland stated "We're hoping people are willing to … buy a ticket, because it's great theater and it speaks to their heart and it speaks to their soul."
The musical tells the story of John Newton who penned "Amazing Grace." Newton was a former slave-trader who later repented of being involved in the trade and became an abolitionist, evangelist, and pillar of the Christian faith.
An official description of the performance, according to The Blaze, reads: John Newton … a willful and musically talented young Englishman, faces a future as uncertain as the turning tide.Coming of age as Britain sits atop an international empire of slavery, he finds himself torn between following in the footsteps of father — a slave trader — and embracing the more compassionate views of his childhood sweetheart."
Not often do stories of faith get onto Broadway, and not often do they open with such perfect timing.
Copeland describes how God orchestrated the opening of the performance:
"We were waiting for a theater December, January, February, March, April — then we finally get the theater at the end of April and we're in previews the week that this horror happens in our country," she said, referring to the tragic June shooting at Emanuel African Methodist Episcopal Church in Charleston, South Carolina. "And the president sings 'Amazing Grace' and all of the sudden we have requests to do national television.
"I don't want to piggy back off of somebody's horror," Copeland continued, "but the timing was unbelievably providential that we didn't open in April or May or June."
Copeland and the show's composer, Chris Smith, are hoping that many people will come out to see this story of faith and redemption.
Photo courtesy: commons.wikimedia.org
Publication date: August 18, 2015


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