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Consumer Action INSIDER - August 2018
Out & About: Affordable medicines conference highlights costly problem
California adopts data privacy law, but is it enough?
Hotline Chronicles: When traveling, pay attention to currency conversion
Credit Builders Alliance gives credit where credit is due
U.S./EU group eyes 'Consumer Protection in a Connected World'
Coalition Efforts: Opposing a horrible health insurance tax (and more)
CFPB Watch: Temporary CFPB chief fines debt collectors; forgets consumers
Class Action Database: You'd have to be born yesterday to believe this one
About Consumer Action
Consumer Action's Money Management 1-2-3 training offers a concise program for low-income families to prioritize their spending and live within their means. The training has provided me with the tools and resources I've needed for both group and one-on-one peer sessions with clients. It has also been a great training for my staff. Thank you, Consumer Action. — Loistine Herndon, program director for Temple Community Outreach, San Bernardino, CA
European airlines are subject to tougher passenger rights standards than U.S.-based airlines. Under a European Union (EU) regulation known as EC 261, you may be entitled to up to 600 euros (currently about $700) if your flight was canceled or delayed by three hours or more or if you don't arrive at your final destination within two hours of the scheduled arrival time. The regulation also applies if you're denied boarding, and covers EU airlines flying to the EU, as well as any airline flying from the EU. Learn more about your rights as an airline passenger in this informative AARP article.
The national advocacy group Public Citizen held a three-day Washington, DC, conference at the Georgetown University Law Center in June for healthcare, consumer advocacy and grassroots organizing groups to learn not only about how pharmaceutical corporations are making lifesaving medications less and less affordable for consumers, but also how to mobilize and build power to hold Big Pharma accountable. Consumer Action National Priorities Associate Lauren Hall attended the conference and workshops.
At the start of the conference, members of Congress, including Sens. Cory Booker (D-N.J.) and Tina Smith (D-Minn.) and U.S. Reps. Lloyd Doggett (D–Texas), Jan Schakowsky (D-Ill.), Peter Welch (D-Vt.) and Ro Khanna (D-Calif.), gave featured remarks on how the call for lower drug prices is being addressed on Capitol Hill. Patient-advocates told their stories of suffering and subsequent advocacy work due to the outrageous costs of life-saving prescription medicines for common conditions—for example, insulin to treat diabetes.
Throughout the conference, attendees were encouraged to participate in training sessions to build and refine skills in media advocacy, campaign strategy development and coalition organizing.
Early on day two of the conference, attendees engaged in an organizing strategy session, breaking off into smaller groups to pick important goals they'd like to accomplish (for instance, lowering the cost of medications for uninsured consumers) and how they would best identify their organizing targets (those who have the power to create change); create strategic tactics to reach key targets; engage constituents and allies; and combat opposition. Participants said they were inspired by Senator Cory Booker's earlier comment, "The power of the people is greater than the people in power."
Each afternoon, participants joined a series of smaller workshops to dive deeper into specific issues, such as the unique challenges facing people of color and LGBTQ groups, who are often overlooked in health and disability rights movements, and how ableism (discrimination in favor of able-bodied people) pervades health advocacy. As an example, rallies and protest marches often are not accessible to those with chronic pain, physical disabilities and other conditions that limit their mobility.
Other workshops included: how private corporations leverage public research dollars to maximize private profits; innovation and public investment in prescription drug development; how a focus on profits means that certain badly-needed drugs never get created while less critical ones do; and efforts to stop medication price-gouging through state bills. An example of the latter is Illinois' recent PHARMAbro Act, named after disgraced "pharma bro" Martin Shkreli, who increased the price of a lifesaving AIDS drug from $13.50 to $750 per pill.
"Public Citizen's Affordable Medicines Now Conference provided a unique and powerful opportunity for activists to gain deep knowledge not only about the challenges we're facing in this country around grossly excessive, prohibitive drug costs, but also in the very real ways we can hold those in power accountable to create the kind of change that literally saves lives," said Consumer Action's Hall.
The California Consumer Privacy Act ballot initiative was pulled last month in exchange for the passage of state broadband privacy legislation. The deal led to a "gut and amend" for a bill known as AB 375 (the California Consumer Privacy Act of 2018, or CalCPA), which subsequently took some of its provisions directly from the scuttled consumer privacy initiative that would have been on state ballots this fall.
While AB 375 will offer more privacy protections to Californians overall, in some sections, the modifications reduced consumer privacy protections that had been included in the ballot initiative. The new law will not prevent companies from collecting customers' information, but does give individuals the right to prohibit data sharing and delete some data collected by companies.
The initiative's backer, Alastair Mactaggart, was central to a deal to drop the ballot initiative if state lawmakers were able to pass AB 375. Mactaggart, a real estate developer who funded the ballot initiative, said in a statement that he was "thrilled" that lawmakers had succeeded in passing "unprecedented" consumer privacy protections. But Mactaggart also warned that there will be ample opportunity during the rulemaking process for big tech firms to water down or erode many of the consumer protections in CalCPA.
The new law will apply to companies (including "edge providers," like Facebook and Google, as well as internet service providers, including AT&T, Comcast and Verizon) that receive personal data from 50,000 or more California residents, households or devices annually; have $25 million or more in annual gross revenues; or make 50 percent or more of their annual revenue from selling California residents' personal information. The state attorney general will be the enforcer for most violations. The law gives consumers the right to access personal information that companies have collected about them, provides consumers the right to transfer and delete most data they've given companies and requires opt-in consent for the sale of data pertaining to youth under 16.
AB 375 is weaker than the abandoned initiative on privacy rights in that it removes the ability for aggrieved consumers to sue in all but data breach cases where the attorney general declines to prosecute, and it prevents the state's municipalities and local jurisdictions from enacting stronger privacy protections. The new law contains significant exemptions that allow companies to continue to keep and use the data they collect, even over consumer objections. The law would not seem to stop companies from the kind of unauthorized information sharing that led to the Facebook/Cambridge Analytica data scandal.
"State legislators generally dislike ballot initiatives, as they subjugate the lawmaking process," said Joe Ridout, Consumer Action's California legislative advocate.
Sometimes ballot initiatives work for better lawmaking: The Senate, in 2017, allowed tech firm lobbyists to block AB 375 despite overwhelming public support.
"This year, the threat of the ballot initiative and the deal cut with Mactaggart lit a fire under California lawmakers to pass AB 375," Ridout added. "To sum it all up, if AB 375 goes into effect in 2020 as passed, Californians will enjoy greater privacy rights, especially in regard to downloading their data and disclosures about information purchased from third-party data brokers. Over the next 18 months, however, industry will undoubtedly try to weaken the law."
Consumer Action will follow the process and alert our followers when there is an opportunity to speak out against weakened standards. To receive our alerts, add your email on our home page.
Lulu* contacted Consumer Action's hotline with a warning for international travelers. When renting cars in 2017 in Geneva, Switzerland, and in 2018 in Brussels, Belgium, Lulu dropped off the cars when no staffers were on duty to check them in. While Lulu said her invoice and billing reflected the agreed-upon charges, she took exception with the way the charges were billed.
"It's generally in my favor when purchases made in euros are billed to my credit card in euros. However many companies will try to make the conversion to U.S. dollars themselves, and charge a higher currency conversion rate than your credit card would." (This practice is known as "dynamic currency conversion.")
Last year in Geneva, Lulu found out that the auto rental company Hertz had billed her in U.S. dollars, with a notice on the statement that read: "I have been offered a choice of currency and chosen to pay my rental charges in the currency of my card." Lulu was affronted because she had never been offered a choice. She told us she scanned her rental agreement, in case she had inadvertently agreed to being charged in U.S. currency, but found nothing mentioned.
Lulu "Googled" the contact info for the head of Hertz in Europe and wrote to him to complain. She also disputed the charge with her credit card issuer. "It was a difference of only $20 in Hertz's favor, but to me it's the principle of the thing," said Lulu. In 2017, Hertz apologized and said it would make sure it didn't happen again. But, in June, during Lulu's visit to Brussels, it did happen again!
Once more, Lulu contacted the European head office and disputed the difference in the charge (again, about $20) with her credit card company. "It's really worth it to take the trouble to complain about things like this," Lulu told us. "Hertz wrote me back, and seemed appalled that this was still happening. The person writing on behalf of Hertz said they had sent out a staff notice after I complained last year and thanked me for following up. They even credited back a portion of the cost of the rental."
Lulu said she likes to rent from Hertz because of its partnership with her Automobile Association of America (AAA) motor club membership. "The rates are generally good and the idea of having a third party behind me if something goes wrong is appealing," she told Consumer Action.
We like Lulu's persistence—follow-through is often required in successful complaining. What LuLu probably didn't know, however, is that Hertz had already been sued for being a bad actor in the currency conversion realm. In 2017, a New Jersey citizen commenced a class action lawsuit against Hertz, titled Margulis v. The Hertz Corporation, on behalf of customers who rent vehicles abroad. The court noted that the plaintiff alleged that Hertz was "conducting a broad-ranging currency conversion scheme, labeled 'dynamic currency conversion' (DCC) to defraud its customers who rent vehicles abroad" and that "Hertz quotes customer rates for vehicle rentals without including any currency conversion fee, charges the fee directly to customer's credit card and then falsely claims the customer specifically chose the currency conversion and subsequent overcharge. Plaintiff claims he was the victim of Hertz's DCC practices in connection with car rentals (in the United Kingdom and Italy) and alleges breach of contract, unjust enrichment, fraud and violations of the New Jersey Consumer Fraud Act."
The case is ongoing.
Unfortunately, car rental companies like Hertz are not the only place that international travelers can run into currency conversion issues. Restaurants and hotels may ask travelers whether they would like to be billed in the currency of their cards rather than that of the country they are in. Dynamic currency conversion is done at the point of sale, when a "markup," or additional fee, is added to the conversion. Generally, travelers should reject a dynamic currency conversion offer and allow their cards to be charged in the foreign currency. This is because credit cards typically offer a more advantageous conversion rate. (But make sure you are using a credit card without a foreign currency conversion fee, which can be up to 4 percent of the amount of the purchase. NerdWallet offers a list of cards without the added fee.)
One exception to our suggestion may occur when dynamic currency conversion makes it easier for business travelers to track purchases because the receipt will show the amount in the traveler's home currency, instead of having to match receipts in a foreign currency to the amounts on credit card statements.
However, "Due to the markups, opting for dynamic currency conversion almost always results in higher costs for the traveler," said Linda Sherry of Consumer Action.
*Not this consumer's real name
Over the last year, long-term Consumer Action partner Credit Builders Alliance (CBA) has been ramping up its use of technology and innovation to train financial coaches and educators and to help consumers improve their financial capability and build wealth. Consumer Action first reported on CBA's Training Institute (which was launched last year) in our October 2017 INSIDER newsletter. The institute has since helped many organizations move consumers from poverty to prosperity by delivering training taught by experienced credit practitioners and by helping staff of member organizations become credentialed to deliver trainings to the communities they serve.
"Credit Builders Alliance has done so much good over the last year," Consumer Action's Audrey Perrott said. "We're excited to honor them in October at our 47th anniversary event in Washington, DC. The breadth of CBA's work embodies the theme of this year's event, 'Credit Where Credit Is Due.'" (Learn more about the anniversary event.)
Since launching the institute, CBA has gone on to form strategic partnerships with two major organizations that help consumers financially: the Association for Financial Counseling & Planning Education (AFCPE) and The Financial Clinic. These partnerships are helping to make financial education training more accessible to financial educators, counselors and coaches and to provide enrollees with continuing education units (CEUs). CBA offers full courses, like Credit as an Asset (approved for six CEUs through AFCPE), and mini-courses, like Building Credit Without a Social Security Number and Making Sense of Free Credit Platforms, all in an e-learning, on-demand format. These self-guided trainings include a mix of lectures, interactive Q&As, mastery quizzes and certificates of completion. The courses also include progress trackers, which make it easy for adult learners to resume the lessons at their own pace, since they often have day jobs and family obligations.
In addition to the many educational opportunities it offers, CBA has also become a community development financial institution (CDFI). These organizations play an important role in generating economic growth and opportunity in some of the nation's most distressed communities by acting as intermediary lenders and injecting capital into these neighborhoods, which traditionally have lacked access to financing. The name of the CBA CDFI is the CBA Fund.
CBA recently launched a pilot for its CBA Fund alongside four community non-profits located in Florida, Oregon, Texas and Washington State. CBA loaned capital to the non-profits at 0% interest. These non-profits will go on to make loans to underserved consumers at a rate of between 5% and 18% interest. Each non-profit within the cohort is required to make a minimum of 10 loans. The average loan amount is between $500 and $1,000. The non-profits are providing ongoing education and support to consumers receiving loans for causes ranging from: re-entry after incarceration (to pay rental deposits, pay off fines, etc.) in Oregon; assistive technology for persons with disabilities in Washington; and household needs (e.g., rental deposits, monthly expenses, back property taxes, etc.) for low-income populations in Texas and Florida.
Finally, CBA launched a pilot with FinTech innovator Nova Credit in May. The pilot will help non-profit lenders to run foreign credit files on consumers who have recently immigrated from Mexico and India, to help them build credit in the U.S. Opportunities remain for non-profit lenders to participate in this pilot (but first they must become members of Credit Builders Alliance).
Consumer Action, Credit Builders Alliance and Nova Credit are all members of the FinTech & Nonprofit Partnerships Working Group, which is administered by the Center for Financial Services Innovation (CFSI) with the support of the Financial Solutions Lab, a program managed by CFSI with founding partner JPMorgan Chase & Co. All three organizations have been busy serving the community: In June, they joined a panel to share best practices with other working group members at the FinTech & Nonprofit Partnerships Working Group pre-conference session of CFSI's EMERGE Financial Health Forum in Hollywood.
CBA's Credit as an Asset course costs $225, but is discounted to $75 for CBA members. The mini-courses are $15, and are free for CBA members. CBA also has arranged for a 30-percent discount for AFCPE members and Change Machine subscribers. Finally, CBA is hosting master trainer sessions on Credit as an Asset, giving groups the ability to charge others for the trainings and earn revenue to sustain their financial education programs.
"Credit isn't just about getting a loan or a better interest rate. It is about stabilizing lives. It also is about knowing how the rules work and using them to improve quality of life," CBA Deputy Director Sarah Chenven said.
If you're interested in learning more about CBA and its classes, click here.
The 18th Transatlantic Consumer Dialogue (TACD) annual public forum, "Consumer Protection in a Connected World," took place in June in Brussels, Belgium, bringing together attendees from the U.S. and European Union (EU), consumer groups and regulators from both sides of "the pond." The event addressed the impact of technology on consumers in an ever more connected world, with a focus on trade, food, addictive technologies, financial services, cybersecurity and artificial intelligence.
Consumer Action has been a TACD member since 2005. Consumer Action's Linda Sherry attended the main forum as well as the TACD's internal meeting the previous day. A member of the information society and financial services subcommittees, Sherry presented an update on predatory lending in the U.S. during the financial services committee meeting.
"It is striking how different the EU and U.S. practices surrounding consumer protection and redress are," Sherry said. "The EU has some of the strongest rules in the world on consumer protection. As much as we would like U.S. laws to become stronger as well, many of the mechanisms, products and services we know in the U.S. don't have exact counterparts in the EU. This is why gathering with our EU colleagues and sharing our differences and perspectives is not only eye-opening but also instructive on the fundamental changes that U.S. products and services would need to undergo to become more consumer-friendly."
Other U.S.-based consumer organizations in attendance included Consumers Union, Electronic Frontier Foundation, Electronic Privacy Information Center (EPIC), Knowledge Ecology International, National Association of Consumer Advocates, Public Citizen, Public Knowledge, U.S. PIRG and the World Privacy Forum. Click here for a full list of TACD members.
Brussels-based journalist Jennifer Baker moderated the public forum. She did her best to keep question-and-answer periods from running over, but the audience's enthusiasm and desire to participate often left people's hands waving when it was time to move on to the next panel. Live activity for Twitter hashtag #TACDFORUM2018 was ongoing, and the day's top tweets have been compiled here.
TACD EU co-chair Monique Goyens, head of the European consumer organization BEUC, outlined a new EU proposal for collective redress (a form of class action lawsuit). The proposal is part of an initiative being billed as "a new deal for EU consumers." Goyens discussed how the proposal would differ from the U.S. class action system, which is generally reviled in Europe (due in part to Europeans witnessing the large legal fees earned by trial attorneys in the United States). Collective redress is often avoided even in the few EU member states (countries) that do allow it because of "loser-pays" rules that dictate that the parties who lose in litigation must pay the winners' legal expenses (often including their attorneys' fees). Under the "new deal" proposal by the European Parliament, only pre-approved "qualified entities," such as consumer organizations, would be allowed to seek collective redress and compensation, replacement or repair on behalf of those consumers who were harmed by commercial practices that were determined to be illegal.
Most of the participating U.S. groups, including Consumer Action, defended our country's class action system, which allows consumers who cannot afford to bring legal action to band together, often without paying upfront legal fees until the case is concluded or settled and the consumer lawyers finally get paid. Panelist Rob Weismann, president of Public Citizen, allowed that the new deal may let consumers enforce their rights without the problems perceived in U.S.-style class actions, but called it "unbelievably modest."
The new deal also has a component for strengthening consumer rights online and ensuring that consumers in all member states would have the right to equivalent remedies (such as financial compensation) if they were affected by unfair commercial practices, like aggressive or misleading marketing.
The final session of the day addressed whether artificial intelligence (AI) is undermining consumer protection laws. The topic of algorithms—the formulas that allow computers to learn for themselves and build upon that knowledge—dominated the conversation.
According to the Center for Digital Democracy, "Some of the most crucial determinations affecting our livelihoods—such as whether a person is qualified for a job, is creditworthy, or is eligible for government benefits—are now partly or fully automated [made through algorithms]. In the worst-case scenario, automated systems can deny eligibility without providing an explanation or an opportunity to challenge the decision or the reasoning behind it."
Session speakers, including the World Privacy Forum's Pam Dixon, called for ethical guidelines on artificial intelligence. New Federal Trade Commissioner Rohit Chopra questioned if and how AI will notch into existing laws on discrimination and consumer protection. Dixon suggested that how we interpret the findings of algorithms is just as important, if not more so, than what is fed into them in the first place.
To learn more about the forum, visit the TACD website.
Health insurance tax would hit seniors hard. An approximate $22 billion health insurance tax (HIT) is scheduled to impact 20 million seniors and disabled individuals enrolled in Medicare Advantage in 2020. (Medicare beneficiaries can join Medicare Advantage HMOs voluntarily and may see significant savings and additional benefits by joining these managed care plans.) In a letter, coalition advocates urged Congress to delay the HIT for 2020, lest millions of American seniors and others with health insurance coverage face a major premium increase, including $500 in additional annual premiums for the typical Medicare Advantage couple. Learn more
Keep for-profit school dollars out of the VA. An ethics law that prohibits Department of Veterans Affairs (VA) employees from receiving money from or owning a stake in for-profit colleges that rake in millions in GI Bill tuition has "illogical and unintended consequences," according to the VA, which is pushing to suspend the 50-year-old statute for some of its employees. Consumer Action joined advocates in urging the VA to abandon this plan, since financial entanglements between VA employees and for-profit schools that seek GI Bill payments would lead to the for-profit industry recruiting and exploiting its biggest "cash cow": veterans. Learn more
Protecting Pell Grants in 2019 spending bill is critical for strong, diverse economy. As Congress works to finalize the education spending bill for FY 2019, advocates call on appropriators to support a robust Pell Grant fund (providing government money for students who demonstrate need). At a time when a postsecondary credential or degree is an increasingly necessary gateway to a meaningful career, a strong Pell Grant fund is critical to ensuring that students from all financial backgrounds are able to participate and help grow our economy. Consumer Action is urging Congress not to reduce the fund, but to continue the same support for the Pell Grant that it demonstrated in its final fiscal year 2018 spending bill. Learn more
The CFPB's consumer financial education programs must be protected. In open comments to the Consumer Financial Protection Bureau (CFPB), advocates urged the federal agency to keep its financial education programs functioning. The CFPB's programs have been under attack by the temporary acting director since his appointment by President Donald Trump in November 2017. The advocates' comments insisted that other Bureau responsibilities, including its enforcement and rulemaking authority, must also be used to fully protect consumers in accordance with the CFPB's mission, which is, in large part, to "protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law." Learn more
FCC's Lifeline program critical to victims of domestic violence. The Federal Communications Commission (FCC) Lifeline program provides support to nearly 10 million subscribers, who need phones or a broadband connection to find or maintain employment, connect with schools and access emergency services. This support is particularly important for survivors of domestic violence, whose access to affordable communications can be a matter of life and death. Despite this, the FCC is proposing to changes to the program that could impact 70 percent of Lifeline subscribers. This proposal would remove many wireless service providers from the Lifeline program, raising the costs of service and putting affordable, essential communications out of reach of the most vulnerable among us. Learn more.
Last month, acting CFPB Director Mick Mulvaney imposed an $800,000 penalty on National Credit Adjusters (NCA) and its chief executive. NCA collects on debts owed from payday and other loans using a network of collection companies that "engaged in frequent unlawful debt collection acts," according to the Bureau.
The consumer bureau charged NCA with inflating the amounts consumers actually owed and threatening them with lawsuits and arrest if they didn't pay up. In some cases, NCA impersonated law enforcement officials. In a highly unusual move for the CFPB (but not for its current temporary director, Mick Mulvaney) the Kansas-based debt collection company was not required to also reimburse consumers for the harm it caused.
Mulvaney decided not to obtain the $60 million in debt forgiveness and restitution that the CFPB was seeking when the Bureau was under the leadership of Richard Cordray, according to Reuters. No mention has been made as to why Mulvaney chose not to compensate injured consumers.
NCA collected approximately $40 million in debts from 80,000 consumers between 2011 and 2016, according to the CFPB's consent decree.
Another debt collection settlement nets consumers nothing
The CFPB settled a suit with Security Group, Inc. last month for using unlawful tactics to collect debt on installment loans and contracts. Security Group was fined $5 million for "physically preventing consumers from leaving their homes" and stalking them at work, knowing this would endanger their employment. The debt collection company was also charged with providing inaccurate information to the three major credit bureaus.
While the debt collector was required to correct the false information it furnished to the credit bureaus, no refunds to consumers were imposed. As in the National Credit Adjusters case above, no explanation was given as to why this settlement failed to offer restitution.
Security Group operates 900 locations in 20 states. Click here to review the consent decree.
Citi forks over millions in restitution for cheating credit card customers
The CFPB—which appeared disinclined to take action against financial firms since Mulvaney took over in November—charged Citibank with failing to reevaluate and reduce interest rates on 1.75 million credit card accounts (as required by the 2009 CARD Act in certain circumstances). Under the settlement, Citi must return $335 million to consumers and correct its practices. Consumers will receive letters from Citi detailing the refund plan.
Reconvene the CFPB's Consumer Advisory Board
A group of 25 Democratic Senators has called on temporary CFPB director Mulvaney to immediately reinstate the Bureau's legally mandated Consumer Advisory Board (CAB), which he abruptly disbanded in June.
"By dismissing the CAB, the CFPB is deliberately rejecting statutorily required advice from qualified professionals who are volunteering their services to the American public, with no credible explanation as to why the present CAB members are not capable of fulfilling their responsibilities," the Senators wrote in a letter to Mulvaney. "Importantly, you took these actions without ever meeting with the advisory board."
As we reported last month, Mulvaney has said he plans to replace CAB members with people who have "specialized knowledge" in specific topic areas he wants the Bureau to address next.
A class action settlement involving Mazuma Federal Credit Union and the overdraft fees it charged customers was among 14 new settlements added to the Consumer Action Class Action Database during July.
One notable class action is Mollicone v. Universal Handicraft.
The plaintiffs filed a class action against Universal Handicraft regarding the labeling, advertising and marketing of its Adore Organic Innovation product line. Plaintiffs claimed that the defendant falsely advertised that the Adore products use the highest concentration of a plant stem-cell formula "proven to restore youthful appearance by protecting your skin's own stem cells." Adore products contain the ingredient PhytoCellTec™, which is manufactured by Mibelle Biochemistry of Switzerland.
Plaintiffs alleged that the defendants continued to falsely advertise the anti-aging benefits of Adore even after a Mibelle research director published a statement saying that "the anti-aging benefit for the skin after topical application could not be confirmed in clinical trials."
The defendant denied any violations of law but agreed to a settlement to avoid the burden, expense and risk of continuing the lawsuit.
Consumers who bought the products listed on the class action website (under "who's eligible") between Sept. 29, 2012, and April 13, 2018, may be eligible to choose either $25 in cash or an Adore Cosmetics electronic gift card valued at 50 percent of the price paid for the product (with a maximum gift card value of $200).
The claims deadline is Aug. 21, 2018.
Consumer Action is a non-profit 501(c)(3) organization that has championed the rights of underrepresented consumers nationwide since 1971. Throughout its history, the organization has dedicated its resources to promoting financial and consumer literacy and advocating for consumer rights in both the media and before lawmakers to promote economic justice for all. With the resources and infrastructure to reach millions of consumers, Consumer Action is one of the most recognized, effective and trusted consumer organizations in the nation.
Consumer education. To empower consumers to assert their rights in the marketplace, Consumer Action provides a range of educational resources. The organization's extensive library of free publications offers in-depth information on many topics related to personal money management, housing, insurance and privacy, while its hotline provides non-legal advice and referrals. At Consumer-Action.org, visitors have instant access to important consumer news, downloadable materials, an online "help desk," the Take Action advocacy database and seven topic-specific subsites. Consumer Action also publishes unbiased surveys of financial and consumer services that expose excessive prices and anti-consumer practices to help consumers make informed buying choices and elicit change from big business.
Community outreach. With a special focus on serving low- and moderate-income and limited-English-speaking consumers, Consumer Action maintains strong ties to a national network of nearly 7,000 community-based organizations. Outreach services include training and free mailings of financial and consumer education materials in many languages, including English, Spanish, Chinese, Korean and Vietnamese. Consumer Action's network is the largest and most diverse of its kind.
Advocacy. Consumer Action is deeply committed to ensuring that underrepresented consumers are represented in the national media and in front of lawmakers. The organization promotes pro-consumer policy, regulation and legislation by taking positions on dozens of bills at the state and national levels and submitting comments and testimony on a host of consumer protection issues. Additionally, its diverse staff provides the media with expert commentary on key consumer issues supported by solid data and victim testimony.


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Healthcare reform has all healthcare amenities making an attempt to outline, defend and promote "high quality," as they work to improve patient outcomes and cut back costs.


I have had horses for many years, breeding anglo-arabs and showing and competing with them. Through working or visiting parents and friends, I have ridden in Austria , Botswana, Iran, Italy, Nigeria, Spain and South Africa. I have experience with farm animals, and my mother had cats, dogs and a parrot. My small flat and lifestyle do not allow me to have a house pet. I am very fond of cats. I enjoy classical music and visiting art galleries, museums and historic houses. I speak German and Spanish, and would get by in French and Italian. I was a primary teacher and currently drive HGVs up to 44 tons for agencies. I am reliable, honest and sensible. I was in the TA for many years, in a variety of jobs including accountancy, ammunition, and carriage of dangerous goods instruction. Non-smoker.
House sitting is an excellent way to meet new people and their animals, and to spend time in a new location.
I have known Liessa for 50 years and cannot recommend her highly enough for the post of Trusted House Sitter. She is totally honest, responsible, commited, reliable and punctual. A problem solver who is intuitive and intelligent and takes pride in her work, following instructions to the letter. She is an excellent driver of professional standard, be it a car, Landrover and trailer, a horse box or an enormous HGV. Liessa is competent and caring with experience of owning and producing many horses of her own. I am sure she would be equally caring for all sorts of domestic animals. I reiterate that i have great pleasure in highly recommending Liessa as a Trusted House Sitter.


Type of Work: New development project and Function enhanced maintenance project.
Sampling Factor Values: NEW (Type of Work): According to the customer"s requirement to develop the system and realize the function of the contract requirement.
MAINT (Type of Work): For the operation of the system, to achieve new functions, and to correct the defects in the operation of the system.
Subgroups: S1: According to the customer"s requirement to develop the system and realize the function of the contract requirement.
S2: For the operation of the system, to achieve new functions, and to correct the defects in the operation of the system.


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      --index.html

   --server/ #All server related files here
   --Gruntfile.js

My Grunt file so far looks like this
module.exports = function(grunt) {

  grunt.initConfig({

    pkg: grunt.file.readJSON('package.json');
    concat: {
      dist: {
           src: ['client/js/angular/*.*]
           dest: 'client/build/angular-build.js'
             }

}

});

};

This is as far as I have gotten. Don't see any easy grunt file tutorials on this.
Th ouput I am looking for is all angular libraries in one output file. All jquery libraries in another.. all css libraries in third.
How do i achieve this ?

A: A few things:

*

*You don't know it, but you're using grunt-contrib-concat, so you'd better npm install that and grunt.loadNpmTasks('grunt-contrib-concat'); it.

*Concat doesn't support wildcards. This is good, because the order that these files are included is going to matter. angular.js must be included before angular-resource.js
I've included a rough template of what your Gruntfile needs to look like to accomplish this, but know that this is not the right way to do this. You should be loading your dependencies using something like bower and serving them individually, or using something like Browserify or Require.js. You'll come to see the value of that as the project progresses.
module.exports = function(grunt) {
grunt.initConfig({
    pkg: grunt.file.readJSON('package.json');
    concat: {
        angular: {
            src: [
                'client/js/angular/angular.js',
                'client/js/angular/angular-resource.js',
                'client/js/angular/angular-ui-router.js'
            ]
            dest: 'client/build/angular-build.js'
        },
        jquery: {
            src: ['client/js/jquery/jquery.js']
            dest: 'client/build/jquery-build.js'
        },
        ...
    }
});

grunt.loadNpmTasks('grunt-contrib-concat');
};

redpajama_set_name: RedPajamaStackExchange


text:
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Book your home fire safety visit today
Poignant fire station memorial for late Kirkcaldy fire officer Gary Dall
Contact our Media Team
Filter By Area Any North East West Category Any News Item Press Release Campaign Event
Publish Date: 31 May 2019
By Susan Kerr
The Scottish Fire and Rescue Service has paid tribute to a Kirkcaldy officer who sadly passed away after a battle with blood cancer.
Group Manager Gary Dall died last year after being diagnosed with myelodysplastic syndrome in 2017.
This week, (Wednesday, May 29), a training room at Kirkcaldy Fire Station was renamed 'The Dall Room' in memory of the father-of-four, who served on the frontline for almost 30 years.
Gary's wife Jennifer, children Aaron, Amy, Nicola and Hannah and his parents Ann and Robert were joined by former colleagues to mark this poignant occasion.
Jennifer said: "We are overwhelmed with this tribute to Gary. He is gone but most definitely not forgotten.
"The room will not only be a place to learn but to have a coffee and reflect.
"I lost my best friend and my husband and it's been a tough year, but I write to Gary every day and it gives me the strength to keep going.
"As a family we are grieving in different ways – losing a husband, a father and a son.
"But knowing there is a place here for Gary, and for us to visit, I am so grateful for that and a massive thank you to everyone who made it possible."
Twelve-year-old Aaron conducted the official ribbon-cutting to mark the renaming of the room.
Group Manager Jonathan Miller, a friend and colleague of Gary's for many years, added: "We wanted to remember our friend and respected colleague who we sadly lost last year.
"We will never forget his robust approach to training and his high standards and this could not be a more fitting tribute to his memory."
This will now be followed by a charity football match in Gary's honour this weekend, which will raise money for Anthony Nolan.
Fire service colleagues will take on Kirkcaldy Football Club 2006s in the charity exhibition match on Saturday. Gary's son Aaron will be playing for Kirkcaldy FC 2006s.
Gary was diagnosed in August 2017 and was due to receive a stem cell transplant to deliver a positive long-term outcome.
Retired Area Manager Ally Boyle – a former colleague of Gary's who launched a partnership between SFRS and Anthony Nolan ten years ago – also attended the renaming event.
He said: "I am grateful to get the opportunity to come along and pay tribute to Gary.
"I wish we weren't here and it didn't happen – but Gary showed great determination through his condition and he had a huge impact on me."
An SFRS Select XI will take on Kirkcaldy Football Club 2006s in a charity football match in an afternoon of entertainment at Denfield Park, Kirkcaldy, from 12-4pm on Saturday, June 1.
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© Scottish Fire and Rescue Service 2020
SFRS
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West Local Plans
Working together for
a safer Scotland

redpajama_set_name: RedPajamaCommonCrawl


text:
http://forums.xkcd.com/
Great Steam Deals (And other Online Distribution Systems)
http://forums.xkcd.com/viewtopic.php?f=21&t=50226
Re: Great Steam Deals (And other Online Distribution Systems
Posted: Wed Jul 02, 2014 11:45 pm UTC
by NecklaceOfShadow
rmsgrey wrote: Rumour has it that Duels15 is supposed to have a better deck-building than Duels14, but I can't confirm that.
That'd be very nice. Duels14 was what got me into Magic, and I"d like more variety in the cards I can use.
Posted: Wed Jul 23, 2014 9:20 pm UTC
by Xeio
Sims 2 is free.
by Dason
Xeio wrote: Sims 2 is free.
The past few days I've literally been wishing I could find my Sims 2 cd... So thank you for this.
Although I guess the price I have to pay is to deal with Origin. Also it's a 12.5Gb download. That's much larger than I expected.
by SecondTalon
If it's Sims 2 plus Expansions..,the 12 gig download would make sense
Posted: Thu Jul 24, 2014 1:05 am UTC
SecondTalon wrote: If it's Sims 2 plus Expansions..,the 12 gig download would make sense
"The Sims 2 Ultimate Collection"
Yeah I'm guessing you're right.
by Jorpho
I'd heard they were upgrading everyone who had an earlier version of The Sims 2, but I didn't know anyone could get it. Note that the offer is only good until July 31!
So is The Sims 2 particularly superior to The Sims 3? I reckon if it's the Ultimate Edition, at least there's no stray DLC to be concerned with. (I got The Sims 3 in one of the Humble Bundles a while back.)
Posted: Thu Jul 24, 2014 2:26 pm UTC
by SurgicalSteel
It's been a looong time since I've played either of them, but if I remember correctly:
Sims 3 has better graphics obviously.
Sims 3 has more activities and parts for building your house.
]It's much easier in Sims 2 to make custom clothing patterns. Note: I'm talking about making custom patterns for an existing dress or t-shirt or something, not creating entirely new kinds of clothing.
I think in Sims 3 you are able to make custom radio stations without additional DLC.
This is comparing the base games of both, not taking into account any DLC or expansions. I would say if you already have Sims 3 and aren't interested in creating your own clothing patterns, there's no reason to get Sims 2. On the other hand, drive space is cheap and it's free.
Posted: Mon Aug 18, 2014 11:23 pm UTC
by CorruptUser
Jagged Alliance 2 for 97 cents. I played 1 years ago and liked it, though I'm too busy to pick up 2. Basically, it's like X-Com but with soldiers that have actual personalities.
Posted: Tue Aug 19, 2014 3:18 pm UTC
I don't know how long it'll last, but Guild Wars 2 is currently 50% off.
Posted: Tue Sep 02, 2014 11:58 pm UTC
Aiee!
I decided to go through my inbox and finally "claim" my Humble Bundle purchase-pages. All sixty-two of them. (I found out a little too late that Humble Bundle can actually tell you what bundles are associated with your E-mail address and let you claim them all at once. Oops.)
This gives me a handy-dandy page informing me that I have ninety unclaimed Steam keys, all for games I already own. I knew things had gotten bad, but I didn't realize that bad.
Posted: Sat Sep 06, 2014 11:26 pm UTC
by Mr. Mack
Is there a Steam trading thread around here? I've seen them in 4chan, but those always degrade into begging. Plus I wouldn't trust those guys anyway.
I have some unclaimed keys as well as some games in my inventory that have no nowhere to go and nothing to do. I suspect that Jorpho and I aren't the only ones with extra games laying around.
Posted: Sun Sep 07, 2014 1:55 am UTC
by Izawwlgood
You can trade steam keys? Or only on unclaimed games?
Izawwlgood wrote: You can trade steam keys? Or only on unclaimed games?
Only unclaimed games, or games in your Steam gift inventory. Games in your Steam library are yours forever.
Thus, it is very much advisable to purchase Steam games you don't plan on playing right away as gifts to be stored in your inventory, in case you end up obtaining them some other way later on.
Posted: Thu Sep 18, 2014 3:38 am UTC
How do you folks feel about Shadowrun Returns at this point? Available for $3.74 at the moment, it is.
by EdgarJPublius
I quite enjoyed it.
Posted: Thu Sep 18, 2014 12:26 pm UTC
by pseudoidiot
If you like cyberpunk stuff, role-playing games, and tactical grid-based combat then it's a really fun game. I think I paid $15 for it through the Kickstarter and definitely felt like I got my money's worth. I haven't even played anything but the first campaign yet either.
Posted: Thu Sep 18, 2014 4:32 pm UTC
by Krealr
I liked the expansion dragonfall better than the original but it was still fun and at 3.74 seems like a steal to me. They've made a lot of improvements to it since the initial release. (Being able to save anywhere was a huge improvement)
Posted: Wed Sep 24, 2014 6:49 pm UTC
by Adam H
Contraption Maker is on sale on Steam for $1.50. It's basically a clone of the Incredible Machine, but the minor changes are all improvements IMO, and it's easy to share and play user-made puzzles. Worth picking up if you ever get nostalgic for TIM like I do.
Posted: Thu Oct 09, 2014 4:53 am UTC
by EvanED
Dragon Age: Origins is free on Origin. No expansion or DLC it looks like though.
Between KOTOR, the Mass Effect series, Jade Empire, and Dragon Age, DA has my favorite gameplay (though ME vs any of the others is a bit of a tough comparison because they've very different and I like them in different ways). I'd put the story third in that group... but that's comparing against stiff competition. (I have not played DA2, so cannot comment on it.)
Posted: Thu Oct 09, 2014 3:01 pm UTC
by Yakk
But you have to install Origin.
That has a significant cost.
Nah, first hit game's always free.
Also, I don't think you even have to install the client to claim the free games for later, you can do it over the web if you just want to build up an EA account.
No, you have to install that application on your computer, and probably give it full admin access while you are at it. That is a non-trivial cost.
Posted: Fri Oct 10, 2014 3:38 am UTC
If you go here and click "get it now" I got an order confirmation without needing to launch Origin.
Granted you have to install Origin to actually install the game.
Eh, I don't see much of the objection to Origin personally if you'd be happy running the game through another avenue, especially if you are happy with Steam and especially in the case of free.
Yakk wrote: No, you have to install that application on your computer, and probably give it full admin access while you are at it. That is a non-trivial cost.
Eh, it's harmless enough; it's not like it runs perpetually on your computer whether you want it to or not. The days of SecuROM and the like installing nasty deep system hooks are long past; EA has enough PR problems as it is.
by hendusoone
Free on steam for the next 24-ish hours: Payday: The Heist
Posted: Wed Nov 05, 2014 2:33 pm UTC
Seems like the current Humble Indie Bundle is proving to be more popular than other recent ones.
Would anyone happen to have a spare key for Jazzpunk? I have a whole list of stuff I have on hand in yon trading thread.
Posted: Fri Nov 07, 2014 7:55 pm UTC
Humble Bundle is giving away Metro 2033. If you haven't had a chance to play it yet, now's your chance as it's quite awesome.
by New User
Looks like they're also giving away some game called Teleglitch: Die More Edition.
Posted: Sat Nov 08, 2014 4:22 am UTC
Okay, never mind Jazzpunk; does someone have a spare key for Risk of Rain they'd mind throwing my way? The last Humble Bundle came with four of them.
by jstylen
Jorpho wrote: Okay, never mind Jazzpunk; does someone have a spare key for Risk of Rain they'd mind throwing my way? The last Humble Bundle came with four of them.
Just PMed one to you.
Posted: Thu Nov 13, 2014 4:37 am UTC
GoG's fall sale has started.
Mount and Blade is free for everyone.
Also, if you visit the store every day for the next week and click the "stamp" thing you can get Witcher 2 for free.
It looks like I may have missed Jade Empire for $3 though.
Would have been a good chance to finally finish that game since I owned it for the Original Xbox.
Humble Bundle's latest shtick is that they'll give you an extra game if you can give away a copy of Insurgency. Go figure.
So, come and get it! Let me know if you claim one.
https://www.humblebundle.com/?gift=t4qF5K4yBWqHGzcf
Posted: Fri Nov 14, 2014 11:59 pm UTC
Jorpho wrote: Humble Bundle's latest shtick is that they'll give you an extra game if you can give away a copy of Insurgency. Go figure.
Posted: Mon Nov 17, 2014 5:09 pm UTC
by emceng
Kinda grumpy about the GOG fall sale. They had the HOMM series on sale for $15. I got drunk a few weeks ago and spent $30 on just two of the games in that series
The Steam "Exploration Sale" is from Nov 26 - Dec 2nd.
I own Morrowind on CD but can't find them anywhere and want to pick it up again. Right now it's 40% off - I want to play it today but feel like it will probably go down in price even more. Anybody think it will go lower than the current 40% off during this sale or will I have to wait until the Christmas deals to get a real steal?
Dason wrote: I own Morrowind on CD but can't find them anywhere and want to pick it up again. Right now it's 40% off - I want to play it today but feel like it will probably go down in price even more. Anybody think it will go lower than the current 40% off during this sale or will I have to wait until the Christmas deals to get a real steal?
Too late - couldn't wait. Even if it drops price I'm sure I'll have put in 30+ hours into before then. Worth it.
Dason wrote: I own Morrowind on CD but can't find them anywhere and want to pick it up again.
Eh? Does the game not require you to register it on Steam when you install it?
And yes, the game was as cheap as $4.99 on GreenManGaming last year.
http://isthereanydeal.com/#/page:game/p ... earedition
Initial release of Morrowind was 2002. Initial release of steam was 2003. It would have been odd if it required me to register it on steam
Oblivion (2006) also did not require Steam. Stream and Bethesda working that closely together is relatively new.


- For use in automated production lines Video "Wüteria Mineralquellen"
- Manual feeding via container Video "Edelweissbrauerei Farny"
Crushes up to 5000 glass bottles per hour.
Higher container filling capacity by the tons. This results in less transportation costs.
Customer desired configuration possible. For example, feeding conveyors or mobile containers with discharge function.
Lower risk of danger due to enclosed construction.
Robust design ensuring a long lasting, qualitative machine.
As manufacturer, we provide spare parts and a reliable service.


text:
Land Use Planning in Prince Edward Island
Land use planning helps organize a community, ensures health and safety, and provides opportunities for economic development. The process involves land users, community members and leaders, professional planners, and decision-makers. It represents the public's interests and prepares for the future.
Land use planning manages land use and resources, and provides facilities and services by looking at the impact that change will have on society, the economy, and the environment. Through the planning process, discussions include topics such as:
heritage resources
Does PEI need a provincial land use policy?
The Report of the Commission on Land and Local Governance (2009) made 40 recommendations for land use and local governance for PEI. The key recommendations were:
the development of provincial land use policies,
a new revenue sharing arrangement for municipalities,
a new Municipalities Act, and
full municipal coverage.
From the report, the Task Force on Land Use Policy was established to ensure all Islanders had the opportunity to share their ideas for developing, and implementing, future land use policy. Based on research data and ideas gathered from public meetings, focus groups, and an online survey, the task force created a land use planning approach for PEI. The task force presented its final report to government in January 2014.
What would a provincial land use policy do?
The Island's landscape and resources face many tests, including changes in the population, the environment, and the economy. The choices made affect water quality, public safety, agriculture, recreation, forestry, tourism, wildlife, and coastal resources. A provincial land use policy will:
set the direction for how land is used and how development takes place on PEI;
help protect what is cared about; and
be strategic about public investments.
Who has responsibility for planning and development?
Under the Planning Act, thirty-two municipalities accepted responsibility for planning and created official plans and land-use bylaws, thereby covering 10 per cent of PEI's land mass. The Planning Act guides the development of these documents.
The municipality develops their plan by talking with the residents, who help ensure that future development will meet the community's needs while making sure that present uses are protected. The plan deals with issues such as:
protecting resource land and natural areas;
locating new housing, industry, and commercial offices; and
identifying essential services such as roads, sewers, and parks.
The zoning or land use bylaw provides for the day-to-day management of the plan's policies. The bylaw is the tool that controls and regulates the use of land.
Where municipalities do not have official land-use plans, a set of general subdivision and development regulations and other provincial legislation governs the remaining 90 per cent of PEI's land mass. This falls under the responsibility of the provincial government.
Contact Inspection Services if the land in question is outside of a municipality with an official plan.
Where can I find information about planning decisions?
PEI Planning Decisions has information concerning recent planning decisions related to:
development and building permits
municipal bylaw amendments (i.e. rezoning)
How much land can I own in PEI?
As an individual, you cannot own more than 1,000 acres of land; as a corporation, you cannot own more than 3,000 acres of land in PEI. If you are a non-resident or a corporation, you must contact the Island Regulatory and Appeals Commission (IRAC) if you are buying land that:
has more than five acres of land, or
has more than 165 feet of shore frontage.
What other laws govern land in PEI?
The Land Identification Program (LIP) prevents the development of land that is identified for non-development use. The general intent of the (LIP) is to protect and to preserve resource land from being sub-divided or developed for commercial or industrial use, and to protect it against land speculation.
Lands Protection Act, P.E.I.
New Foundations: Report of the Commission on Land and Local Governance
The Gift of Jurisdiction: Our Island Province - Report on the Lands Protection Act
Report of the Task Force on Land Use Policy
Planning 101 Presentation
Building and Development...
New Home Construction Inc...
Maps, Aerial Photography...
People and Wildlife
Provincial Planning
J. Elmer Blanchard Building
31 Gordon Drive
landsdivision@gov.pe.ca


text:
Canada's NDP
Lindsay Mathyssen
London—Fanshawe
Member of Parliament for London—Fanshawe
Born and raised in the London area, Lindsay has spent over a decade working side-by-side with NDP Members of Parliament to help constituents across the country. Since her first campaign at age 11, she has been a committed New Democrat driven to build a better Canada that works for everyone.
Prior to being elected Lindsay worked for three Members of Parliament on human rights, issues facing seniors and Indigenous peoples, and government transparency. With experience on 21 campaigns – including eight in London–Fanshawe, Lindsay's talked to thousands of everyday Canadians and knows the daily challenges facing workers, families, seniors, and students.
Lindsay currently services as the New Democratic Party's Critic for Women and Gender Equality, Diversity and Inclusion and Youth, Post Secondary Education as well as Deputy Whip, Deputy Critic for Export Promotion and International Trade and Deputy Critic for Small Business.
Connect with Lindsay
MP Lindsay Mathyssen gives statement on the 50th anniversary of the Royal Commission on the Status of Women.
On December 7 inside the House of Commons we marked the 50th anniversary of the Royal Commission on the Status of Women.
MP Mathyssen in Question Period December 1, 2020
MP Mathyssen in Question Period December 2,2020
1700 Dundas St,
N5W 3C9
Lindsay.Mathyssen@parl.gc.ca
© 2021 New Democratic Party of Canada. all rights reserved.
How to reach us right now?
Our team remains available by email or phone.


Today, he is averaging 1-2 new associates into his downline each day. Steve holds nothing back in Secret MLM Hacks — breaking down EVERYTHING he is doing to construct his downline, including the way he builds automated recruiting, onboarding, and staff coaching systems for his team.
Steve Larsen does NOT even mention his MLM company or personal downline anywhere in the program. This course is NOT a recruitment tool for his staff: it's a company neutral course designed for YOU to execute in YOUR business with your team. His goal for this program is to change the network marketing industry.
Full Disclosure: I've been following ClickFunnels, Russell Brunson, and Steve Larsen for Several Years. I not only recommend this program, but have also joined the personal MLM downline of Steve Larsen.
I made my list of prospects, I went outside and tried recruiting every single one of my friends and family… And each one of these (except for ONE friend!) said NO.
Like Steve Larsen, I was able to do this online, WITHOUT my friends and family even knowing I'm in MLM… If you like the idea of MLM, but do not wish to be"that guy" hounding her or his warm list to build your company; this program is for you.
Although packaged specifically for network marketers, this 1is a marketing course that is digital. If you want to learn how to generate leads or sell products online, it's all in Secret MLM Hacks. Steve has taken everything he has learned from studying the marketers at ClickFunnels and put it all together in this package.
MLM Maverick Maker… Keys to getting unique in a"sea." The product is. It's NOT your sales skills. Network marketing company owners produce a generic message for everybody within their sales force. Get the script that is generic to OFF and address recruits' REAL CONCERNS. This shows HOW replicate and to recruit.
He is averaging associates into his downline each day. Steve holds back nothing in Secret MLM Hacks — breaking down EVERYTHING he is doing to build his downline, including the way he builds automated recruiting, onboarding, and staff training systems for his team.
Steve Larsen doesn't even mention his MLM company or personal downline anywhere in the program. This course is NOT a recruitment tool for his team: it is a company neutral course designed for YOU to execute in YOUR company with your team. His goal for this course is to change the entire network marketing industry.
Like Steve Larsen, I was able to do so online, WITHOUT my family and friends even knowing I am in MLM… If you like the notion of MLM, but don't want to be"that guy" hounding her or his warm list to build your company; this program is for you.
Steve Larsen has taken everything he has learned from his time at ClickFunnels and dumped it into this program. It's packaged for network marketers, but the information will apply to anybody that is interested in advertising or sales. It's high value content.
This 1is really a digital marketing program, although packaged specifically for network marketers. If you want to learn how to generate leads or sell products on the internet, it's all in Secret MLM Hacks. Steve has taken everything he has learned from studying the terrific marketers at ClickFunnels and put it all together in this bundle.
How do you stick out from the crowd? If you're using the same script, same duplicated sites, selling the same goods, etc… Take notes here!
MLM Maverick Maker… Secrets to getting unique in a"sea." The product is NOT what sells. It's NOT your sales skills. Network marketing company owners create a generic message for everybody in their sales force. Get OFF the script that is generic and really address the actual CONCERNS of recruits. This shows HOW to recruit and replicate.


Come see us, we look forward to meeting you!
We have three ways you can come see what OVU is all about!
Campus Tour - Sign Up Below!
Join us Wednesdays and Fridays for a 45 minute tour of our campus and meet briefly (5-10 minutes) with your recruiter. Sign up for tour times at 9:15 AM, 10:15 AM*, 1:15 PM, or 2:15 PM.
Encounter days are select visit opportunities designed to give you a fuller view of what OVU has to offer. Experience a day in the life of an OVU student, make new friends on campus, meet professors, explore your major and find out why OVU is the right place for you.
Interested in something more personal? Speak with your recruiter and set up an exclusive campus visit.


text:
from google.cloud import automl_v1beta1 as automl

def list_datasets(project_id="YOUR_PROJECT_ID"):
    """List datasets."""
    client = automl.AutoMlClient()
    # A resource that represents Google Cloud Platform location.
    project_location = f"projects/{project_id}/locations/us-central1"

    # List all the datasets available in the region.
    request = automl.ListDatasetsRequest(parent=project_location, filter="")
    response = client.list_datasets(request=request)

    print("List of datasets:")
    for dataset in response:
        print("Dataset name: {}".format(dataset.name))
        print("Dataset id: {}".format(dataset.name.split("/")[-1]))
        print("Dataset display name: {}".format(dataset.display_name))
        print("Dataset create time: {}".format(dataset.create_time))
        # [END automl_video_object_tracking_list_datasets_beta]

        print(
            "Video classification dataset metadata: {}".format(
                dataset.video_classification_dataset_metadata
            )
        )
        # [END automl_video_classification_list_datasets_beta]

        # [START automl_video_object_tracking_list_datasets_beta]
        print(
            "Video object tracking dataset metadata: {}".format(
                dataset.video_object_tracking_dataset_metadata
            )
        )
        # [END automl_video_object_tracking_list_datasets_beta]

redpajama_set_name: RedPajamaGithub


Senator Joe Pennacchio called on incoming governor Murphy to eliminate New Jersey's $10,000 property tax deduction cap, highlighting the massive growth in property taxes since the limit was put in place in 1996.
The average residential property tax bill in New Jersey was $3,864 when the $10,000 cap on the property tax deduction was enacted, according to the Office of Legislative Services.
Since then, property taxes have risen to an average of $8,549, a 121 percent increase. Homeowners and renters receive approximately $460 million dollars of property tax relief through the current deduction.
Pennacchio recently introduced S-3598, which would remove the $10,000 maximum deduction limit that can be claimed under the New Jersey Gross Income Tax for property taxes.


text:
Carn publican to run for Sinn Féin 09.09.08
CARNDONAGH-based businessman Sean Ruddy has been named as the likely second Sinn Féin candidate for Inishowen.
The proprietor of the Arch Inn at the Diamond, he has been chosen by Sinn Féin as their likely second candidate in Inishowen for the county council elections next year. He will join sitting Councillor Pádraig MacLochlainn on the ticket, ahead of the party's local convention this Sunday, September 14.
The convention will take place in Simpson's function room at Tul Na Ri, Carn at 5pm.
Sean Ruddy has run the Arch Inn for the past eight years. Prior to that, he served 15 years in the licensing and catering industry in Ireland, London and New York. The son of Sean and Kathleen Ruddy from Larahirl, Culdaff, he has two brothers, Martin and Daniel, who both live in Letterkenny, and two sisters, Marie, living in Ballyshannon and Katrina, living in Culdaff.
Married to Valerie McDermott from Carndonagh and stepfather to Díolmháin, Sean has a strong track record of community leadership, organising and facilitating a wide range of fundraisers for local and international causes.
He was educated in Carndonagh Community School and then trained at Killybegs Catering College before emigrating to England along with thousands of other Irish men and women in the 1980s.
He is chairperson of Carndonagh/ Malin Sinn Féin and a leading member of the party in Inishowen.


…Ready for you to customize and start sending to your clients TODAY so they're prepared, always look and feel great, and YOU always get portfolio worthy photos!
Never wonder how to answer the "What should we wear?" questions again!
Stand out above the competition and help your clients look and feel their best!
Develop trust with your clients: Your clients will love you for answering their burning questions before they even have to ask!
No more awkward clients! Your clients will be ready and excited for their session, without the awkward tension that comes from being unprepared.


Does your dating partner love you or it 's just infatuation?
There is a difference between love and infatuation. If your online partner vows he loves you, check it out by observing his or her behaviorchat pattern. Yes, the behavior of your dating partner can easily tell if he loves you or it is mere infatuation.
If you take your online phone dating partner on the dinner date and she orders the most expensive dishes, knowing you can't afford, it is certainly infatuation.
Because, when you are in real love, you don't count money, but feelings matter for you. If your dating partner is a cheater, she won't like to confront the harsh realities of life. Once she has too many bottles of beers, she will take big oaths and later on break them once she gains senses.
She will cancel dinner dates after a few offline meetings.
If your phone dating partner loves you she will not break the promises. Whereas, if her love is just infatuation, she will cancel offline dinner dates or pretend she is too busy to meet you.
She will praise or criticize her ex-friends too often.
When the love is real, the person lives in reality, whereas when it is infatuation, he or she runs from it. In case, your chat line partner compares you with her ex-friends, immediately realize she is still confused about her decisions in life.
She thinks life is all about enjoyment only.


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Memphis Made News:
News, thoughts, and ramblings from the minds behind Memphis Made Brewing Co.
Australia Day at the Taproom
Aussie Aussie Aussie, Oi Oi Oi!
Join us for Australia Day Thursday, Jan. 26 as we celebrate the culture of our great friends from the Land of Oz.
We'll have Australian Trivia (history, media, murderous wildlife, and a picture round) starting around 7 p.m.
There's also going to be a Meat Auction with gift cards and more from South Point Grocery, Charlie's Meat Market, Whole Foods Market, and Fresh Market, among others.
In Australia, pubs do meat raffles but the state of Tennessee views that as a type of gambling, so we're doing the next best thing.
Proceeds go to WIRES, Australia's largest wildlife rescue organization.
We'll also have a Vegemite tasting.
Shrunken Head at Science of Beer
Here's a new beer that'll take a minute to wrap your head around: Shrunken Head.
This Belgian-style wit ale is brewed with orange peel and coriander.
The name was inspired by one of the many exhibits at the Memphis Museum of Science & History (formerly the Pink Palace).
We'll be serving up this limited edition beer at the upcoming Science of Beer with some Memphis Made favorites on Friday, Jan. 13.
The Science of Beer event is a combination beer tasting and education workshop that raises money for education and programming for MoSH.
This event is an opportunity to talk to local brewers, attend mini-lectures, and participate in other interactive beer-themed activities.
The event will feature beer stations each with some educational components, food vendors, multiple science areas hosted by MoSH and local science groups, mini-lectures, and games.
This is the first major beer event of the Memphis calendar, so you won't want to miss it.
For more information about the Science of Beer or to purchase tickets, click here.
Let's get MALTED
Mon 07 Nov 2022
As the weather starts turning colder and the nights start ever earlier, beer drinkers' minds turn to dark beers to help keep them warm.
That's one of the reasons we have our annual MALTED festival every November.
This year's MALTED will be held Saturday, Nov. 19 at our Cooper-Young taproom.
We'll open the doors at 1 p.m. and the first 100 customers will get a souvenir Malted glass.
The taproom will be open until 10 p.m.
Our brewers came up with some special beers for this event, and we'll unveil them throughout the festival.
In addition to plenty of malty ales, we'll have live music by San Salidas and HEELS.
Stick 'Em food truck will be parked at our place during the festival.
We've already dropped some hints on what we'll be unveiling at the festival, but follow us on Facebook and Instagram for updates on beers and more.
GonerBrau All Year Long
Wed 05 Oct 2022
If you've been to Gonerfest in the past two years, you've probably had the extreme pleasure of having GonerBrau pass over your lips. We've brewed this recipe exclusively for the festival in the past, but it's time to unleash it on the masses. GonerBrau will join the ranks of our year-around offerings.
We'll be launching it at the taproom on Thursday, Oct. 6 with Goner Records spinning some vinyl.
Like many things that come from Memphis Made Brewing and Goner Records, GonerBrau doesn't quite fit a ready made mold, but definitely hits the spot. This Kveik Pilsner is brewed with a Norwegian strain of yeast that produces a clean profile that lets the malt and hops shine through. Kick back and enjoy this 4.5% ABV sipper while listening to your favorite tunes, hanging with friends, or eating a whole family size bag of chips by yourself (we're not judging).
Cooper York Fest 2022
Sat 10 Sep 2022
It's that time of year again: time for our annual Cooper York Fest!
What's the Cooper York Fest, you ask?
It's a free festival celebrating our neighborhood of Cooper-Young with a mix of beer, music, art, and food, all from our corner of Cooper Street and York Avenue.
This year's festival is Saturday, Sept. 17 from 10 a.m. to 7 p.m.
It will feature live music from Jeff Hulett, San Salida, and the Late Greats. They'll be performing in the big tent in our parking lot, so there should be plenty of shade to help everyone keep cool.
Food trucks Soi#9 and Mexixo in Memphis will be in our parking lot as well, just behind the ramp leading into our taproom.
We will also have a mix of local makers from around the region.
Last but not least, we'll have a wide variety of beers including some you'll only find in our taproom.
Kristy Keptra designed this year's poster and shirt, both of which will be available for purchase.


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Not in Hall of Fame If it's not in the hall of fame, it's in NotInHallOfFame.com
2025 Baseball Eligibles (23)
Adam Jones began his career in Seattle, but after two years, he was traded to the Orioles, where he had the best part of his career. An Oriole from 2008 to 2018, Jones was an All-Star in 2009, and then four years straight beginning in 2012. The Centerfielder had good power numbers, belting at least 20 Home Runs seven times, with his best year coming in…
Ben Zobrist
Known for his versatility, playing at Second, Short, and in the Outfield, Ben Zobrist played the bulk of his career with Tampa, a team he was twice an All-Star and had three 20-Home Run seasons with. In terms of advanced metrics, Zobrist led the American League in bWAR on the strength of his .405 OBP and elite defensive year, though it did not get him…
Brian McCann
Brian McCann played the bulk and best part of his career with the Atlanta Braves, the team he was the primary Catcher for from 2006 to 2013. McCann quickly became one of the top offensive Catchers in the National League. While he was with Atlanta, McCann went to seven All-Star Games, earned five Silver Sluggers, and had seven 20 Home Run years, all of which were…
Carlos Gonzalez played ten of his twelve seasons with the Colorado Rockies (2009-18), where the Outfielder was a three-time All-Star. Gonzalez had his best year in 2010, when he led the National League in Hits (197) and won the Batting Title (.336), and would have five other seasons where he eclipsed the 20 Home Run mark. Gonzalez was also a three-time Gold Glove winner and won…
EXHIBITION GAME: NEW YORK YANKEES AT WASHINGTON NATIONALS AT NATIONALS PARK IN WASHINGTON, DC
Buy your Tickets to see Exhibition Game: New York Yankees at Washington Nationals at Nationals Park in Washington, DC HERE for as little as $30!
ATLANTA BRAVES AT WASHINGTON NATIONALS AT NATIONALS PARK IN WASHINGTON, DC
Buy your Tickets to see Atlanta Braves at Washington Nationals at Nationals Park in Washington, DC HERE for as little as $82!
A 19-year veteran, C.C. Sabathia debuted with the Cleveland Indians in 2001, and showed immediately that he was a star, finishing 17-5, leading the AL in H/9 (7.4), and had it not been for Ichiro Suzuki, would have been named the American League Rookie of the Year. Sabathia remained the ace of the Cleveland staff for the next six seasons, going to the All-Star Game…
Clay Buchholz
Clay Buchholz made history in 2007 when he threw a no-hitter in his second-ever start, and the Red Sox would go on to win the World Series. Buchholz would, however, not be a part of the BoSox playoffs, as he was shut down due to shoulder issues, but there were far more accolades to come. Buchholz would have an up-and-down career, with his best year in…
Curtis Granderson
Curtis Granderson came up through the Detroit Tigers organization, first making their team in 2004 and cementing himself as a starter in the Outfield two years later. Granderson led the AL in Triples in 2007 and 2008, and he made his first All-Star Team in 2009, the year he had his first 30-year Home Run season. Granderson was traded to the Yankees in 2019, and he…
Dustin Pedroia debuted in 2006 with the Red Sox two seasons after being drafted in the second round, and it did not take him long to prove that he belonged in the upper tier of American League players. Playing at Second Base, Pedroia was still considered a rookie in 2007, and he would win the Rookie of the Year award with a .317 Batting Average…
Felix Hernandez played his entire MLB career with the Seattle Mariners, the team where he would become the "King" of the Pacific Northwest and all of Baseball. "King Felix" made his first appearance in the Majors in 2005, and after showing gradual improvement over his first few seasons, Hernandez took the throne in 2009, leading the American League in Wins (19), H/9 (7.5), and finishing…
Fernando Rodney
Fernando Rodney had one of the more unique celebrations after a save, as he mimicked shooting an arrow from the mound. As he is a member of the 300-Save club, we got to see it often. Rodney had a long career, 17 years in total, playing for Detroit (2002-09), Los Angeles (AL) (2010-11), Tampa Bay (2012-13), Seattle (2014-15), Chicago (NL) (2015), San Diego (2016), Miami (2016),…
Francisco Liriano
Francisco Liriano had an interesting career, constantly dealing with injuries and poor performance, yet he was one of the best flamethrowers of the game when he was on. Liriano went to his first and only All-Star Game as a rookie with the Twins in 2006, but he was not able to immediately follow up due to Tommy John surgery. The Dominican came back in 2008, and…
Hanley Ramirez won the National League Rookie of the Year in 2006 when he was with the Florida Marlins, and for the rest of the decade, he was one of the top Shortstops in the NL. Ramirez had at least 100 Runs as a rookie, and he hit that mark in his first four years, including leading the league with 125 in 2008. An All-Star three…
Ian Desmond
Ian Desmond played his first seven years in the Majors with the Washington Nationals, where the infielder would have his best success in Baseball. Desmond's run in Washington included three Silver Sluggers, three 20-plus Home Runs years, and an All-Star campaign in 2012. The Shortstop signed with Texas in 2016, where he was an All-Star for the second time, and afterward, he concluded his career with…
Ian Kinsler
Ian Kinsler made his first appearance in the Majors with the Texas Rangers in 2006, and he quickly cemented himself as one of the better Second Basemen in the American League. Over his career, Kinsler showed power and speed with four 20-plus HR seasons, blasting 257 in total with 1,999 career Hits. He nearly matched his HR tallies in Stolen Bases, swiping 243 bags, and was…
Ichiro Suzuki played his first nine seasons of pro baseball with Orix in Japan, where he was a three-time Pacific League MVP and seven-time Pacific League Batting Champion. In 2001, Ichiro was eligible to play in Major League Baseball, and the Mariners outbid everyone for his rights, though some skeptics thought that he would be too slight to succeed as he had in Japan. Those skeptics were…
Jason Vargas
Jason Vargas can be best be described as a journeyman Starting Pitcher, completing his career with a .500 record (99-99) with stops in Florida, New York (NL), Seattle, Los Angeles (AL), Kansas City, and Philadelphia. His best year was in 2017 when he was a surprise American League leader in Wins (18) as a Royal. Vargas also was an All-Star that year.
Kendrys Morales
After multiple attempts to escape Cuba to play baseball in North America, Kendrys Morales was finally successful in late 2004. The Los Angeles Angels signed Morales, and the switch hitter would debut for the team in 2006, though it was not until 2009 where he proved his worth as a bona fide Major League Player in a 34 Home Run and 108 RBI year. 2009 would…
Mark Reynolds
Mark Reynolds was arguably a one-tool player, as he had power, but not much else. Playing 12 seasons with stays in Arizona, Baltimore, Cleveland, New York (AL), Milwaukee, St. Louis, Colorado, and Washington, Reynolds smacked 298 Home Runs and had 1,283 Hits, but batted only .236 and struck out a whopping 1,927 times, including leading his respective league four years in a row (2008-11). Reynolds was…
Mark Trumbo
Mark Trumbo was the 2011 runner-up for the American League Rookie of the Year to Tampa's Jeremy Hellickson, and in that year, the Angels' First Baseman hit 29 Home Runs. Trumbo would not be a balanced player, but he did have a solid power game over his career. He went to the All-Star Game in 2012 and had 30-plus HR years in 2012 and 2013. Traded to…


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Trump promises border wall ahead of schedule
Otis February 24, 2017	No Comments
US President Donald Trump has vowed to start building a wall on the Mexican border "soon, way ahead of schedule", in a speech to a conservative event.
Addressing the Conservative Political Action Congress, he vowed to always put American citizens first and build a "great, great border wall".
He also promised to focus on "getting bad people out of this country".
Mr Trump was greeted by chants of "USA, USA, USA!" as he addressed the annual forum in Maryland.
"We're building the wall," Mr Trump said in his keynote address on Friday.
"In fact it's going to start very soon. Way ahead of schedule. It's way, way, way ahead of schedule."
His comments come a day after Secretary of State Rex Tillerson and Homeland Security Secretary John Kelly met their Mexican counterparts in Mexico City.
Neither made any mention of the wall in Thursday's news conference after their closed-door meetings.
On Friday, President Trump also said he was working on a plan to "totally obliterate" the so-called Islamic State.
"Foreign terrorists will not be able to strike America if they can't get in to America," he said.
Mr Trump continued that he "took a lot of heat on Sweden", referring to his erroneous claim that an attack had recently happened there.
He told the crowd: "I love Sweden… but the people over there understand I'm right."
The president then referred to terrorist attacks in France before telling an anecdote about a friend who used to love travelling to Paris every year, but has stopped because "Paris is no longer Paris".
One of the loudest rounds of applause came when he emphasised his 'America First' outlook.
"Global co-operation, dealing with other countries, getting along with other countries is good," he said. "It's very important.
"But there's no such thing as a global anthem, a global currency or a global flag.
"This is the United States of America that I'm representing. I'm not representing the globe; I'm representing your country."
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I have sold a property at 44 Walgrove GD SE in Calgary.
Brand new home built by Cardel Homes. Rich natural surroundings and contemporary architecture make the south-east community of Walden a true hidden gem. 44 Walgrove Gardens is located in Phase 29 of this popular urban, modern, neighbourhood. Built on a 3914 sq ft lot, this home boasts a north backyard on a quiet street near parks and pathways. This 1,863 sq. ft. Sandhurst 2 model is loaded with style. Consistent with the high-quality Cardel brand, 44 Walgrove Gardens is unique and personalized for the individual buyer with lots of wow factors including 9' ceilings, a developed basement stairwell, upgraded flooring, custom kitchen design with quartz countertops, a beautiful interior colour scheme, upgraded stainless steel kitchen appliances, front landscaping including irrigation, great overall curb appeal, and much more, all packaged at an exceptional price.


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The Rubik's cube, the most popular toy ever, gets redesigned
The GoCube, a reimagined Rubik's cube that its creator calls a "FitBit for cubers," has already raised almost a million dollars on Kickstarter.
By Katharine Schwab 3 minute Read
The Rubik's cube is widely considered the most popular toy ever made: More than 350 million of them have been sold worldwide since it hit toy shop shelves in Budapest in the 1970s. The toy was invented 1974 by the sculptor and professor of interior design Erno Rubik. It grew into a worldwide phenomenon, with an intensely competitive cuber community that is focused on solving the cube as fast as possible. (The world record is 4.22 seconds.)
[Image: courtesy Particula]
Now, an Israel-based startup called Particula is introducing a high-tech version of the classic toy. It has the same essential shape as the Rubik's Cube, with each of the colorful cube's six sides divided into nine smaller squares. But unlike the analog original, the so-called GoCube tracks every twist you make. If you're a proficient cuber already, the cube's corresponding app will time how fast you can solve it and even set up one-on-one or multiplayer competitions with friends. Even if you're just a beginner, the GoCube provides simpler games you can play on the cube. The toy has received nearly $800,000 in funding, far more than the $25,000 for which its creators were asking.
For Udi Dor, Particula's founder and CEO, it wasn't an obsession with the cube itself that led to the GoCube. Instead, it was an engineering challenge. In May 2016, Dor and his friends were sitting around talking while one of them was playing with a cube. The idea struck them–why couldn't they all play against each other? Where was the Words with Friends equivalent to the Rubik's Cube?
Dor felt sure that someone had already built one, but he couldn't find any available options. He did find a series of patents related to the topic, but, for a whole host of reasons, none had been realized. To create a connected cube, you'd need a sensor to follow the position of each of the 54 small blocks that make up a cube, making it exorbitantly expensive. These sensors can't be connected by wires, otherwise when you began to play with the cube, "it's going to become spaghetti in a second," Dor says. Plus, the cube itself is really small, so it would be a challenge to fit all the electronics inside in such a way that the toy would run efficiently–and with reasonable battery life.
Dor and his team eventually realized that instead of tracking the location of each tiny cube, you could simply track the changes made to each cube if you already knew all of their starting positions. Instead of 54 sensors, you only would need 12–one for turning clockwise and one for turning counterclockwise, for each of the six faces. You could establish the initial state of the cube by taking pictures of it in the app or by starting from an already solved state.
The final GoCube glows with an internal LED that indicates to the player when the cube is connected or when they're being invited to play a game. All the social components of the GoCube are in the app, which can also show players which steps to take to solve their particular configuration. If you need a little help solving it yourself, the app can provide you instructions on how to get from your current scrambled cube to a solved one. For people who aren't quite at the level of solving the cube completely, there are other challenges as well, like rearranging the cube so one side looks like the flags of various countries. One game inspired by Guitar Hero shows a tunnel on the phone's screen, and little squares of light fly toward the player, indicating which part of the cube you're supposed to twist.
For the hardcore cubers, the GoCube is a way of timing yourself and improving your skill. Because the toy knows all the moves you've taken to solve the puzzle, it can also provide an analysis of how well you solved it, making suggestions about more efficient moves and even designing challenges to help cubers get faster. "When you have this kind of Fitbit for cubers, with all kinds of data and information and analysis, we can provide you the exact weak points," Dor says. "It's a new way of teaching and practicing."
Some hardcore fans might not be taken with Particula's newfangled version of the old-fashioned puzzle. But for those who might prefer the stimulation of a social smart toy, you can order the GoCube on Kickstarter. It'll come at a price: Despite Dor's best efforts to keep the cost down, it costs $69 to preorder and $119 in stores. The classic is only $9.99.
Katharine Schwab is the deputy editor of Fast Company's technology section. Email her at kschwab@fastcompany.com and follow her on Twitter @kschwabable
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Three estranged siblings come together after the death of their father. Dark secrets emerge and loyalties are questioned at the reading of the last will and testament.
John asks Manny to help him investigate a mysterious attack at a hospital; a health issue prompts Zed to question her visions.
Lizzie races to Boston, where Emma has taken refuge in the home of Adele Trotwood.


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L.A's KRTH Posts Largest Ratings Share In Station History.
Entercom classic hits "K-Earth" KRTH achieved its largest share in station history while continuing to lead the Los Angeles market in Day One of the July 2020 PPM ratings released Monday by Nielsen. Rising 5.6-5.7-6.1, ratings historian Chris Huff says it's the highest total audience share for K-Earth in L.A. ratings history. Moving from fourth to second is iHeartMedia talk KFI (4.6-4.4-4.7), followed by AC sister KOST, which drops a rank, trending 4.2-5.1-4.6. Up a spot is Entercom rhythmic AC KTWV (4.3-4.1-4.6), followed by iHeartMedia hot AC KBIG (4.5-4.9-4.4) to round out the Top 5.
Coming off its highest share in station history, iHeartMedia classic rock WAXQ loses half a share but remains locked in fourth in New York (4.9-5.7-5.2). Traditionally, the classic rock and classic hits formats see a rise in warm weather months, with one of the two crowned the Format of the Summer. Doing its part to keep the title within the formats is Entercom classic hits WCBS-FM (5.8-6.6-6.2), which remains in second place in the Big Apple, behind Spanish Broadcasting System tropical WSKQ-FM, which added more than a share month-over-month (8.7-6.6-7.9). iHeartMedia AC WLTW is up slightly (5.7-5.9-6.1) to remain in third and Emmis/Mediaco adult R&B WBLS keeps the New York Top 5 unchanged month-over-month, flat at a 5.1.
The top three rankers in market number three remain the same with Entercom news WBBM leading Chicago (7.0-6.9-7.0), followed by Hubbard classic rock WDRV (6.4-6.4-6.0) and iHeartMedia adult R&B WVAZ (5.2-5.6-5.7). Hubbard hot AC WTMX, which was outside the Top 5 in June, climbs to fourth (4.9-4.8-5.2). Taking fifth for July is iHeartMedia AC WLIT (5.2-5.5-5.0).
San Francisco sees little movement within the Top 5 as Entercom news stays on top (8.5-8.9-8.3), followed by public radio news/talk outlet KQED (8.7-7.8-7.4). iHeartMedia soft AC KISQ (5.2-4.6-4.4) and hip-hop/R&B sister KMEL (3.9-4.7-4.3) swap positions, while Cumulus Media classic rock KSAN (3.9-3.9-3.8) remains in fifth.
There's a new market leader in Dallas as iHeartMedia CHR KHKS moves 6.6-5.9-6.2 and swaps rank position with Salem Media Group contemporary Christian KLTY (6.0-6.1-5.6). Cumulus Media country KSCS jumps from sixth to third (4.4-4.5-5.1), while Entercom classic hits KLUV (5.0-4.7-4.8) remains in fourth and iHeartMedia hot AC KDMX stays put in fifth (3.9-4.6-4.4). Outside of the Top 5, but posting its largest share since Winter 2006, Huff notes, is iHeartMedia rock KEGL (3.7-3.5-4.1).
Remaining in first in Houston for the second consecutive month is iHeartMedia AC KODA, although flat (6.2-7.1-71.) Univision regional Mexican KLTN (7.0-6.7-6.5) moves from third to second, trading ranks with Cox Media Group classic rock KGLK (7.0-6.9-6.4). Moving from sixth to fourth is iHeartMedia modern rock KTBZ-FM (5.0-5.4-5.8). Dropping down a spot to round out the Top 5 is iHeartMedia news/talk KRTH (6.0-6.3-5.6).
The Atlanta Top 5 remains unchanged: Cox Media Group news/talk WSB-WSBB-FM (11.1-10.4-10.6) is first followed by classic hits sister WSRV (8.0-7.9-7.9); adult R&B sister WALR-FM (8.4-7.0-6.9); Entercom hip-hop/R&B WVEE (6.9-6.6-6.3); and Urban One adult R&B WAMJ (4.7-4.6-4.8).
Entercom AC WBEB adds two shares to make its way back into the Top 5 in July. The station gains 3.0-4.3-6.3 and takes third in the Philadelphia market. iHeartMedia adult R&B WDAS-FM remains out front (8.9-9.1-8.9), followed by Beasley Media Group rock WMMR (7.3-6.5-6.7), which is up a rank. Last month's No. 2, classic rock sister WMGK drops to fourth (8.0-6.8-6.1) and taking fifth in Philly is Entercom news KYW (5.8-6.1-5.7).
All shares quoted are AQH share, Persons 6+, Mon-Sun, 6am-Mid. Nielsen's July 2020 survey covers June 18-July 15.