Legal wagering is now within driving distance of three major East Coast cities.
DOVER, Del. (KYW Newsradio, AP) — Delaware Gov. John Carney ushered in a new era of gaming at Dover Downs on Tuesday, making the first legal sports bet outside of Nevada.
The market for legal sports gambling in the United States widened significantly on Tuesday with expanded betting in Delaware, putting legal wagering within driving distance of three major East Coast cities less than a month after the U.S. Supreme Court cleared the way for states to accept the bets.
Instead of flying to Las Vegas or betting illegally, fans in Philadelphia, Baltimore and Washington can make a short drive to legally bet in Delaware on the NBA Finals, the Stanley Cup Final or the World Cup. More states, including New Jersey, Mississippi and West Virginia are likely to join the action by the time the NFL starts its season in the fall.
Delaware was ready for this moment a decade ago when parlay bets on football were approved. Carney was a little reluctant to gloat about beating New Jersey, which fought the legal fight to get to this point.
"The New Jersey legislature is going to vote, maybe soon," Carney said. "I don't expect we'll be the only one for very long. But today it feels pretty good to be first."
"Giants and Yankees, all day, every day," Manhattan native Karriem Keys said Tuesday after betting on the New York Giants to win the Super Bowl next year.
Keys, 53, who now lives in Dover, was one of a couple of dozen people laying down early wagers at the Downs as Delaware became the first state outside Nevada to offer legal gambling on individual sporting events.
"In New York, we would go right to the corner store, to the bodega, and bet," Keys said. "That's not legal, but, you know, everybody was doing it. But now it's legal so it's great."
As for that first bet, Carney made no secret of the fact he is a Philadelphia fan through and through.
"My staff right now is very, very nervous that I'm going to break out into the Eagles fight song," he said.
He didn't, but he did put $10 down on the Phillies to beat the Chicago Cubs on Tuesday night.
Dover Downs casino workers took in 36 bets within the first 20 minutes of legal wagering. The offerings at Delaware's three casinos include bets on professional baseball, football, hockey, basketball, soccer, golf and auto racing.
"I just had to get in on the action, you know what I mean?" John Celatka of Dover said after betting on Tuesday night's Colorado Rockies game and Wednesday night's NBA Finals game.
Celatka said he's done pretty well with NFL parlay wagers and single-game wagers was a logical next step.
"I'm excited to get started with football season," he said. "I like my chances."
Delaware brings in about $200 million a year in tax revenue through gaming. That could be reduced as other states bring on sports betting. New Jersey could have a system up and running before the end of the week that resolves competing proposals to allow sports betting at casinos and horse racing tracks.
Pennsylvania also prospectively legalized sports betting last year, but it could be months before regulations are in place that would allow sports books to open. State officials have not produced an estimate of what sort of tax revenue the activity could mean for Pennsylvania, which already rakes in more in taxes on casino gambling than any other state. But some gambling industry officials are warning that Pennsylvania's 34 percent tax rate — plus another small cut for local governments that host casinos — and the $10 million licensing fee will make it unprofitable to run a legal sports betting business.


This entry was posted in Denis MacShane, John Healey, Kevin Barron, Labour Chicanery, Labour Party, R'Ed Miliband and tagged David Miliband, Denis MacShane, John Healey, Kevin Barron, R'Ed Miliband, Rother Valley, Rotherham, Wentworth and Dearne Constituency by Rik. Bookmark the permalink.
No sign of Kevin Barron?


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Special tribute planned for funeral of 'vibrant' biker Becci Hewes
Bikers wishing to pay their respects are being asked to line the roadside at the end of the service a final farewell
Toni GuillotMulti-media Journalist
Becci Hewes
The funeral of a a young woman killed in a motorbike crash will take place on Friday.
Becci Hewes, died after the bike she was riding was in collision with a grey Ford Mondeo car on August 19.
The 24-year-old carer was riding home from work when the collision happened at the junction of Cowpen Bewley Road and Macklin Avenue in Billingham.
Emergency services attended at around 10pm however Becci tragically died at the scene.
A 39-year-old man, who was driving the Ford Mondeo, was arrested on suspicion of causing death by careless driving.
He was later released under investigation.
Man, 22, suffers serious facial injuries as police cordon erected after altercation at Thornaby pub
Emergency services attend new A66 throughabout after accident during first rush-hour opening
Becci's funeral is due to take place in the Maplewood Chapel, Stockton Crematorium, at 1pm on Friday.
Due to covid-19 restrictions there will be a maximum of 30 people inside the chapel, by family invite only.
Bikers wishing to pay their respects are being asked to line the roadside at the end of the service a final farewell.
A public Facebook post asked mourners to honour Becci's vibrant personality by wearing the colour blue.
It also asked for family flowers only, with donations instead being made to road safety charity, Brake.
Flowers left at the scene of a crash in Billingham
Becci's devastated mum paid tribute shortly after her daughter's untimely death.
She said: "Becci was a much loved daughter, sister, granddaughter, aunt, niece, cousin and friend.
"Becci tragically lost her life riding home from a job she loved as a team leader in a service caring for others at SJOG (Saint John of God).
"Everyone who knew Becci loved her, she was full of life, full of fun and her leaving us has left a hole that will never be filled.
"She will be deeply missed. Forever your broken-hearted mum."
Cleveland Police urged anyone who who may have witnessed the collision or may have dash cam footage to get in touch.
They can call Sergeant Glyn Bavin from the Cleveland and Durham Specialist Operations Unit on the non-emergency number 101, quoting incident number 135551.

redpajama_set_name: RedPajamaCommonCrawl


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Found in the very heart of Dubai's lavish downtown area, The Address Dubai Mall is one of many superlative pieces of architecture in this urban garden, standing in the spike-like shadow of Burj Khalifa. It is also located next to the Dubai Mall, one of the world's largest entertainment complexes.
Found in the very heart of Dubai's lavish downtown area, The Address Dubai Mall is one of many superlative pieces of architecture in this urban garden, standing in the spike-like shadow of Burj Khalifa – the world's tallest building. Meanwhile this resort is located next to the Dubai Mall, one of the world's largest entertainment complexes. There is direct access to the mall from the hotel, and it is full to the brim with boutique and designer shopping, and chic restaurants and lounges.
Inside the rooms are elegantly furnished with contemporary design and modern amenities. The hotel features a pool, state of the art gym and world class spa into which one can simply sink, relax and revive with a signature massage or perhaps sample their other offered wellness pursuits.
For the children, the Qix Club kids' club offers a great range of activities to keep them entertained.
The hotel has a staggering five restaurants and lounges catering to every palate and if that were not enough, you can even have your very own fashion advisor as part of The Address' exclusive packages.


With the sprayer of the Spray Lance, you can water the garden in a targeted manner, even over larger distances. With the Soft Spray Lance, this is gently and effectively possible.
With the sprayer head, the garden is watered in a targeted manner. The water flow rate is fully variable .It can also be switched off and locked.
When the pulse trigger is locked, the water flows continuously without your needing to permanently hold the trigger.
With the GARDENA Classic Soft Spray Lance, the garden can be gently and precisely watered. The flow rate can be infinitely adjusted or completely switched off. In this way, you can adjust the flow rate to the requirements of the plants. Practical: watering can be done by manually pressing the handle or by locking. This renders spraying tire-free. The Spray Lance has a length of 80 cm. This is particularly practical for larger areas, e.g. flower- or vegetable beds, as you can conveniently control the spray jet even for the middle of the bed from a standing position on the edge.


The charter yacht in Malta is one of the most popular entertainment. Walking on sailing boats, motorboats, scooter and diving give a lot of beautiful emotions to all holidaymakers. The waters of Malta are one of the best places for sea voyages for yacht charter in Malta. The sea is quite friendly, because there are no large currents, excellent visibility in windless weather without precipitation – 30-50 meters. The relief of the bottom is quite rugged – a large number of arches, grottoes and caves. Marine fauna and flora are surprisingly rich. This makes every yacht charter in Malta interesting and fascinating.
Comfortable and well-equipped boats and yachts in Malta will allow you to enjoy the yacht charter in full. So vacationers have the opportunity to choose a place where you can drop anchor. Walks on modern ships are characterized by a high level of service of the charter yacht in Malta.
The season of the yacht charter in Malta lasts from April to November, during this period the north-west wind blows predominantly, and in August the southern dry sirocco prevails. Here you can travel around the clock, even when on one side of the archipelago storm, and on the other – sunny calm weather. In winter, yachting is difficult, since gregal (a winter northeasterly wind) often causes squalls and storms.
Take yacht rentals in Malta, you need to take into account the fact that at night the approaches to the coasts are complex, and the new one for the first time in the dark will be unreal, especially on the north-west coast, since it is not illuminated. During the day, reefs are perfectly visible, so staying at any harbor will not be a problem.


Kimberly Roberts is a photographer based in Huntington Beach, California. With a background in wedding photography, she understands it takes a team of people to create a successsful event.
From event designers, development teams, public relations professionals and countless vendors, everyone appreciates having beautiful pictures of their hard work. Kimberly is familiar with the requirements for publications such as Modern Luxury and is happy to accommodate any specific photography needs you may have.
Kimberly graduated from Chapman University with a B.A. in Communications and volunteers her time with Girls Inc. of Orange County. She enjoys surfing, traveling with her husband and cuddling with her two dogs, Mya & Stitch.
You can reach Kimberly directly or fill out the following contact form.
Emails are checked Monday - Friday. If you require a response within 24 hours, please call (714) 794-5214.
Q: What is your rate and does it include edited, digital images?
A: My event photography hourly rate is $150 and includes edited, digital images with a print release. For multi-day events, a per diem rate can be arranged.
Q: How are the images delivered?
A: Images are delivered via Dropbox for quick and easy download. For clients who plan on sharing images with their guests, I also provide beautiful online galleries.
Q: I'm having a small event, but I notice you photograph large galas. Will you photograph my dinner party/birthday party/networking event?
A: Absolutely! I love to photograph all types of events.
Q: Do you photograph weddings?
A: I do! Click here to see my wedding photography.
A: April is my middle name. When I was starting my business, I wasn't sure if I would be changing my last name in the future so I used my middle name instead.


Disclosure: I received a sample from Precious Moments in exchange for an honest review. All views shared are mine and mine alone.
Have you put up your tree yet? Usually I put ours up a few days before Thanksgiving, but this year we put it up November 10th, as a birthday request from my youngest daughter. And, I am glad that I did, as it seems that Christmas is fast approaching -- only 38 days away. Boy, I know everyone keeps saying it, but it seems every year, the holidays creep up on us even earlier. Yes, I know they start playing Christmas music the day after Halloween, but I was watching Christmas movies on television even before the girls went trick or treating. And, now, I am seeing so many people feel the holiday stress of getting their shopping done or started, and we aren't even at Black Friday yet.
Have you started an ornament collection for your kids? It really is a nice thing to do, and I look forward to each November when we put the tree up, as the girls reach into their ornament boxes and pull out the ornaments, and share stories about them, reminiscing about a lost tooth, when they did ballet or other sports, the first book they read, etc. Each and every ornament carries a story and puts a smile on their face, and mine. I can't lie, I find myself tearing up when they hang the ornaments as I realize they are growing up and becoming more and more independent, and one day they will be on their own. Hopefully when they put up their own Christmas trees and they pull each ornament out, it will bring back fond memories of their childhood, and the special moments that made me choose those particular ornaments for them.
This year, I gave my oldest daughter the new "Wishing You a Cool Yule" 2018 ornament from Precious Moments.
"2018 was one cool year and this adorable dated Christmas ornament features a little penguin eager to slide into the new year atop a pile of snow sculpted with "2018." Purchase this tree decoration as a whimsical tribute to a year of wonderful memories with family and friends. It makes a thoughtful Christmas gift for teachers, coworkers, friends, family or anyone who has had a special year worth remembering."
Precious Moments dated penguin ornament.
I saw it the other day at our local Hallmark store and knew it was a perfect fit for her, as she fell in love with penguins when we learned about them in school, and even had the opportunity to touch one during a homeschool field trip to a nearby aquarium. She even brought home a painting done by the penguin, and has it displayed in her bedroom. So, I knew this would be a nice reminder of this one of a kind experience she had, and how it got her excited to learn all about penguins this year, beyond what we were learning about for school.
Isn't this the cutest ornament you have seen? My daughter couldn't wait to find the perfect spot on the tree to hand this porcelain bisque ornament. She ended up hanging it near her Precious Moments 2017 black dog ornament in a stocking she received the previous year. Now, whenever she sits on the couch to watch television or read, I catch her sneaking a peek at her ornament and smiling, and it makes me smile to.
To learn all about the different Precious Moments ornaments available, that would make for great gift ideas for Precious Moments fans, or to give for an ornament swap, or even to start an ornament collection for your child, head on over to www.PreciousMoments.com, or stop by a nearby Hallmark store today.
And, while you are there, don't forget to check out their selection of figurines, which would also make great gift ideas this holiday season.


This Pismo Beach hotel is on a cliff 150 feet above the Pacific Ocean.
The Cliffs has an outdoor pool, a spa tub, a 24 hours fitness facility and a sauna. This 3.5-star Pismo Beach property features therapeutic and relaxing massages, body treatments, and spa services. Business amenities include a business center and secretarial services. The Cliffs has a restaurant and a bar/lounge. Room service is available during limited hours. This is a smoke-free property (fines may apply for violations).
Guestrooms at The Cliffs feature balconies or patios that afford views of the ocean, pool, or cliffs and coastal mountains. Amenities featured in guestrooms include hair dryers, coffee/tea makers, and complimentary newspapers. 42-inches flat-panel televisions with premium TV channels and pay movies are available in guestrooms. Wireless Internet access is complimentary.
The on-site spa has 4 treatment rooms, including rooms for couples. Services include deep-tissue massages, sports massages, Swedish massages and facials. A variety of treatment therapies are provided, including aromatherapy.
We were traveling up the coast back to the Bay Area. My girlfriend and I stayed with our two boys. We only stayed for one night and wished we had more time there. Staff was great, location was amazing and very kid friendly. Thank you! We'll be back for sure.
Service was excellent. Rooms were very comfortable. Loved the pool and hot tub. Had brunch for our friends birthday and the food was excellent.
Overall the stay was great. Service went from FABULOUS to iffy. It all depended on who you got at the time. Some of the front desk staff went above and beyond and then there were people you thought had no clue. Valet service was superior! The restaurant Manger David was exceptional as well as Emily the Hostess in the restaurant. Curtis was just an all around great guy and seems to now a little about everything! I will stay there again, the rooms, the views and the food are outstanding!
Customer service is amazing. We stayed on the 5th floor and our room had a fireplace. The whole atmosphere is amazing. I can't wait to return.
I was traveling back from Disneyland trip with family. Had plans of spending time in Pismo area, because we came to Cliffs resort a year ago. Had a lot of fun on that trip. We checked in late, because of bad traffic leaving Southern California area. First issue was the room we were given, smelled like sewage. Then they gave us a second room. That room was fine, conditions wise. But around 1am loud people walking the halls, that lasted a while. The next morning, we were awaken to loud machine outside our room, beeping and honking to the point where I went out on balcony to see what it was. A man on a cherry picker, literally outside my room. My wife called the front desk to make a complaint. Shortly after, we checked out. At check out, a woman handed me two complimentary breakfasts, next door. There was four of us in my group. Four of us ,who were put out in our stay. Probably, won't stay there again.


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Q: using basic http authentication in rails, Im using http auth in a rails app and I need to use .env files in order to keep my passwords secure.
I know I need use them and the .gitignore and .env file to do this, but I have no idea how to?

A: You can use dotenv gem to save environment variables in .env. I think it's pretty easy to start.

redpajama_set_name: RedPajamaStackExchange


Today I'm so excited to interview Kris Summers, who just started college this Fall, and who not only reads a lot, but also has been blogging while in high school about books with her friend Hikari (who I'll be interviewing for this series later) at Imaginary Reads. I enjoy reading their book reviews and they do quite a few book giveaways so I recommend you check it out.
Hi Kris. Thanks so much for joining us.
I'm a first year university student with a love for reading, writing, and blogging. (Note: I'm not majoring in English. I may love reading and writing, but it doesn't mean I like to spend my days analyzing literature!) In general, I'm open to any books excluding horror and thrillers, but I do have a preference for contemporary and paranormal romances. I've also been getting into dystopian novels lately.
2. My daughter and I have been getting into dystopian novels lately too. Before you started blogging, how did you find out about the books you read? What about new books coming out?
I started blogging around the time that I found Goodreads and book blogs in the late Fall of 2010. Before then, I would skim the library shelves of my school and the public libraries, or I'd go to Barnes and Noble and look around the shelves for contemporary/fantasy books. (It was after I started blogging that I started reading paranormal romances and dystopian books.) I started Imaginary Reads late April 2011.
3. What made you decide to start blogging? How did your blog partnership with Hikari come about?
I started blogging because it looked fun. Every blog I saw was so enthusiastic about the books read and reviewed, and I wanted to share my opinions. At first, I started a personal/writing blog because I really enjoy writing and because it lets me talk about funny, random things like a series of photos I put together like a comic strip with captions underneath.
Then I began to notice a conflicting desire to blog about reading and writing. I'd started posting some book reviews at my blog, and I wanted to share them with more people. However, I had noticed that most book blogs were centered on books, so I decided to start running two blogs. Because I was in school at the time, I wasn't sure if I could handle a book blog by myself, soI asked my good friend Hikari if she'd like to blog with me. It took a little wheedling, but she finally agreed. And am I glad she did! We've gotten a lot closer while working together on Imaginary Reads.
4. That's so awesome you have a blogging partner. I love being Casey's blog partner and don't think I could handle blogging without her too. How has blogging changed what you read, if at all? What books are you waiting to be released?
Blogging has definitely changed what I read. It has opened me to many books that I hadn't read before and wouldn't have read if the reviews (and ratings) didn't attract me. Since book blogging, I've begun reading paranormal romances and dystopian novels. I'm currently waiting for a bunch of sequels to be released, including Wings of the Wicked by Courtney Allison Moulton, Hallowed by Cynthia Hand, Endlessly by Kiersten White, Bloodrose by Andrea Cremer, Inheritance by Christopher Paolini, and the sequels to Carrier of the Mark and Dark Inside, both of which I've been lucky to receive ARCs of.
5. I can't wait for Bloodrose and Endlessly too though I'm just going to read the second books in theses series soon. You're ahead of me. But I've found my reading tastes have expanded too from blogging and I'm reading some books I might not have picked up. Do you buy most of your book, receive ARCS, or get them at the library? How often do you go to a bookstore?
I do receive a fair number of ARCs to review, but I also check out a lot of new releases from the local public libraries when they receive them, or I'll buy them on my Kindle. Since getting my Kindle, I've rarely had reason to go to the bookstore. It's a portable, wireless library after all!
6. I love the library too and read many books from there I'm not giving away here. I don't have a Kindle yet. Do you read any teen book blogs, author blogs, or author or publisher websites? Become a fan of an author on Facebook? Why?
All of the above. Reading book blogs is a great way to find new books and to find out if a book is for you. The reason I'll return to a book blog dependent on our common interests. The more kinds of book interests you share with a book blogger, the more likely you are to return and check out what they've read/ what authors they're hosting.
I read author blogs and fan their Facebook pages because I like their sense of humor (like Kiersten White's), or because I'm interested in what's coming next from said author, the latter of which is the same reason I'll read a publisher's website. I'm a big fan of many Harper Teen and Penguin books, so I frequent the websites for the titles of upcoming releases.
7. I'll have to check out publisher websites more. Thanks for the tip. Have any of your teachers recommended any blogs or websites to your class or to you?
I once asked my English teacher how she finds new books, and she recommended that I check the bookstore or look on Goodreads. Other than that, I haven't really talked to a teacher about book blogs and websites, and they make recommendations other than where we can buy required readings. I get the vast majority of my recommendations from fellow book bloggers.
In general, I don't visit author websites because all of the fun is in the blog, though I will fan authors that I like on Facebook to show my support (and for updates on events, upcoming releases, and blog posts). I love visiting blogs where authors talk about more than their books. I like hearing about… okay, this is going to sound stalkerish… what's going on in their lives. Not the nitty gritty, but the fun stuff. Like what you see at Kiersten White's blog. And Stephanie Perkins's blog. Those are but two examples of author blogs that I love!
9. That's good to know that as a reader you like to read author blogs. Have any authors visited your school? Who? Is there anything you'd recommend that an author do to make their presentation more interesting to you and other kids at your school?
Unfortunately, I've never had an author visit my school. I really think that my past schools have been swarming with book-deprived zombies. It's been years since I had a best friend (offline) who reads just as much as I do. I don't know what kind of recommendations I'd make to an author, but there is one universal fact that I know. If you're enjoying yourself on stage, then in general your audience will have fun too. It doesn't hurt to have a wicked sense of humor.
10. Do you see starting college changing your reading habits or your blogging? If so, how?
I'll definitely have less time to read since I'm determined to study hard (and party hard… in the good, non-alcoholic way). I might resort to reviewing books that I've already read—or start writing shorter reviews, something that I've been telling myself to do. Once I start writing a review, I want to pore all my thoughts out onto the screen, which is bad. No one wants to read a ten-page essay on all my likes and don't-likes of a book!
Thanks for all your awesome advice Kris! Good luck with college and blogging.
Today I'm also giving away a signed copy of FOREVER by Maggie Stiefvator. She came to Novi, Michigan on July 18th and I got to meet her. It was a highlight of my summer. I'm a huge fan of Maggie's and got an extra SIGNED copy of FOREVER to share with you.
I loved watching Grace and Sam's journey. And we get to learn more about Isabel and Cole, two very complex characters, through their POV.
I'm giving away one SIGNED copy of FOREVER. All you need to do is be a follower (just click the follow button if you're not a follower) and leave a comment about my interview with Kris by midnight on October 1st. Please leave your e-mail address with your comment if you don't have it on Blogger. I'll announce the winner on October 3rd. International entries are welcome.
Next week I'll be interviewing Kiki Hamilton and giving away a copy of her debut book THE FAERIE RING. And on October 3rd, I'll be interview Hilary Wagner and giving away a copy of THE WHITE ASSASSIN.
Thanks for having me over here, Natalie!
Hahaha, I didn't take that much wheedling to start blogging...!
Thanks Kris for letting me interview you. And glad she didn't have to twist your arm to be her partner Hikari.
What a fascinating young woman. Thanks for featuring her here, Natalie.
I loved Kris's comments about authors' blogs. I'll be checking out the two she recommended!
Great perspective! I would say these girls are definitely ahead the game for their age.
Some really great questions and answers. It's nice knowing what fans want to see from authors. Thanks for the feature and the giveaway!
Book blogs take a lot of work and I'm so impressed when they are started by teens. Kudos to Kris and Hikari!
I agree that reading authors' blogs is a great way to learn their sense of humor and what they are like; it gives as much insight into whether I'll like a book as the summary on the jacket.
Fantastic interview Kris and Natalie.
Blogging and being in the book community has also led to me read books I probably wouldn't have before. What a great thing!
Good luck in college, Kris!
Terrific interview. I must say Kris you really are a together and mature young woman. Although you want to party hearty, you still want to work hard. That's admirable ... there should be a balance in life.
Sieze the day! Make it all you can. Life is exciting and it's just beginning for you. Good luck and keep up that wonderful positive energy. The world needs it.
Wow, that's fun to see how a person started a book blog! I could never do that, especially with the commitment to reading and reviewing books on a consistent basis!
Anyways, I would love to be entered for FOREVER since I still haven't gotten this book yet!
I completely agree that I enjoy author blogs that talk about more than just their books. At the risk of also sounding stalkerish, I enjoy reading about just random things in their lives or at least their publishing lives. It makes them more human.
Very thorough interview, Natalie. And how interesting that Kris isn't an English major!
The only sentence that made me think twice (I'm a bookseller) is this one: "Since getting my Kindle, I've rarely had reason to go to the bookstore." This is why bookstores as we know them are in danger of disappearing forever (and then where will authors go for signings?) Of course, we need to learn to adapt to the digital world if we want to survive.
And speaking of Forever... I LOVE that book and would love to win a signed copy! Thanks for the chance.
How very cool that the young adult audience is discussing the books that they like! I think this will be a site I'll go to more and more now that I know about it. Great interview!
Yikes! Another blog to add to my expanding list.
Typing one handed cause of broken arm in cement cast. AAARRRGH!
Come enjoy Pirate Alphabet starring some of your favorite authors and illustrators.
Thanks again for the follow! I can't find your Google Friends Connect or I'd follow back.
Wait, followed through the 'follow' in the top bar - got it!
I, too, love that reading stimulates such great discussion and blogging! Thank you for the interview, Kris and Natalie!
And Natalie, I have NOT read these yet and would SO love to win it!
And yes, blogging partners are the BEST!!!!
Cool interview! It's funny tho because for me having a blogging partner would be hard. I'm kind a control freak in certain situations!
I'd love to meet Maggie someday.
What a great interview! Quite often I get bored of these interviews and end up skimming but this one held my interest. I think it's fascinating that some of today's teens are so involved with the Internet in a positive way. I just became a follower of their book blog and look forward to reviewing the content there.
Thanks for the giveaway too! I would love to read this book. I listened to the first two on audio (not enough time to put eyes to paper so sometimes my ears have to read for me!) and -voices aside- I really enjoyed the stories and the different take on werewolves.
I have a signed copy of FOREVER, so no need to enter me.
But I wanted to thank you for the interview. I read more since I started blogging, too - I'm so much more aware of what's out there than I was before.
And good luck to Kris! I like the attitude about having a good work-play ethic. Keep your head on straight, and you won't go wrong.
I LOVE that you do this. Great insight. I get almost all my book recommendations from blogs. It is interesting to see that college kids are more tapped into the blogs than high school kids too.
I'm excited for Hilary Wagner's interview.
What a great interview!! I loved hearing what makes a reader visit an author blog. And also nice to 'meet' a young adult who loves to read!!!
Off to visit her blog.
What a great interview. I am defo going to check out publishers websites for new reads.
I love Maggie's writing, would be amazing to meet her one day.
Thank you for this interview, let me know a little about the author.
Great interview ! Although I don't have a blog,but when I'll have,I would prefer to have a blogging partner.It makes so much easier to run the blog !.
thank you for this fantastic giveaway !


text:
Q: MySQL Error Code: 1305. FUNCTION JSON_EXTRACT does not exist in MySQL client version: 5.5.52
Goal :- json_extract does not exist error.

I do have message body like this.
  < message type = "chat"
  to = "socialapp_233@22.52.258.256"
  from = "socialapp_6@22.52.258.256/9fs4kgn090" > < body > {
    "opponent_xmpp_id": "socialapp_233@22.52.258.256",
    "latest_message_id": "6233"
  } < /body><active>http:/ / jabber.org / protocol / chatstates < /active></message >

I am trying to extract opponent_xmpp_id and latest_message_id.
for that i have written a query like below.
SELECT  LEFT(ExtractValue( stanza, "//@from" ),LOCATE("@",ExtractValue( stanza, "//@from" )) - 1),
        LEFT(ExtractValue( stanza, "//@to" ),LOCATE("@",ExtractValue( stanza, "//@to" )) - 1),
        ExtractValue(stanza, "//body"),
        ExtractValue(stanza, "//@chattype"),
        TRIM(BOTH '"' FROM json_extract(ExtractValue(stanza, "//body"), '$.opponent_xmpp_id')) AS opponent_xmpp_id,
        json_extract(ExtractValue(stanza,"//body"),'$.latest_message_id') AS latest_message_id
FROM
ofOffline

causes error

1305 - FUNCTION databaseName.json_extract does not exist

As per i searched its supporting in > MYsql 5.7 version only.
So is there any function which do the simmilar job as json_extract in MySQL client version: 5.5.52 ?

A: The version of mysql client is not relevant. The functionality exists (or in your case does not exist) in the mysql server. Thus the only thing that's relevant is the mysql server version. And this functionality is available only in mysql server 5.7 onwards. Upgrading your client will not solve the problem, you need to upgrade your server.
Is there a work around? yes. PHP's json_decode
This can work because your query does not have a WHERE clause. You are looking at the entire table. So you can just as easily fetch all that data and json_decode and then do the processing in your PHP code. This is going to be very slow if you have a lot of data though.


text:
Home Television All Eyes on Morgan Radford, Amy Holmes to Replace Megyn Kelly Starting...
All Eyes on Morgan Radford, Amy Holmes to Replace Megyn Kelly Starting Monday on Today
■Television
by Roger Friedman - October 25, 2018 12:47 pm
This Monday the 9am hour on the "Today" show is going to look a lot different. Megyn Kelly will be gone. So will the logo "Megyn Kelly Today."
So what will Monday's show look like?
I'm told that Morgan Radford and Amy Holmes, who appear on the Kelly show as contributors, are likely to take her place.
Al Roker might be part of the equation, too. His show with Tamron Hall, which preceded Kelly, was very popular.
But Tamron Hall–bad timing. She signed a deal with Disney syndication for her own talk show. So she can't come back to NBC. Her show will launch next year.
One other possibility is bringing in Willie Geist. He's very popular, likable, and could take the sting out of the transition back to normalcy.
Expect the 9am hour to go back to light news and entertainment, and to stop being a daily forum for abuse stories. Those topics at 9am didn't compete with "Live with Kelly and Ryan" or "Hot Bench." They were strident, accusatory, and often not fully developed with much thought.
Megyn Kelly's New Lawyer Represents the Songwriters in the Michael Jackson "Fake Cascio Songs" Case
If Al Roker Wants Megyn Kelly's Show He's In Luck: He's Off Monday from His Broadway Gig in "Waitress"


Port Orange, FL- A public workshop is being hosted by the Florida Fish and Wildlife Commission to share information and get public input on designating a new Critical Wildlife Area in Port Orange. Melissa Tucker, from the FWC Species Conservation Section, said the Port Orange Colony has been monitored since 1997. There are six species there and three of them, the brown pelican, the little blue heron and the tri-color heron, are state-listed species.
Tucker said since 2011, there has been a dramatic reduction in the number of brown pelican nests counted, with numbers falling from 550 to 160 in 2015. She said they are trying to determine what led to the decrease.
Information gathered at the workshop will be used to make the determination of whether the FWC needs to limit access to the area. Tucker said they are hoping to hear from everyone that might use the area. That includes boaters, anglers and bird lovers.
Port Orange Colony is an island in the Halifax River which is less than 200 feet from a boat ramp and is therefore subject to considerable traffic. FWC staff are proposing to limit public access to the island year-round and provide an in-water buffer that ranges from 25 to 200 feet to provide separation from the heavy boat traffic.
The Tuesday workshop for the Port Orange Colony is from 6:30 P.M. until 8:30 P.M.at the Piggotte Community Center at 504 Big Tree Road in Daytona Beach.


Salted first (added pepper after this photo) and stuck in the oven on 275F for ~45 minutes. I didnt have much time or I would have done it lower and slower. As it was, definitely didnt cook enough and was still cold in the middle after the oven.
Close up of this beautifully marbled meat.
Mmm! This sucker took a long time to cook inside. The spinalis ended up well done (but still delicious) while the rest was around medium-rare. Next time, I will revert to my previous method of baking for hours first, so it all cooks more evenly. But this was fine for a 90 minute steak.


Experience Hawaiian Art and Culture at Hula Halau 'O Pi'ilani!
Aloha! Welcome to Hula Halau 'O Pi'ilani!
Hula is not just dancing and chanting, it is a deeper spiritual aspect which must be learned and felt by each haumana (student). Hula started as a religious ceremony to the Hawaiian gods. Now we dance to remember the history of Hawaii and to join the Hawaiian way of celebrating life.
Our philosophy of No Ke Aloha No Ka Hula means "for the love of the hula" and embodies the elements of respect, courtesy, discipline patience, determination and perseverance.
e komo mai! Take off your shoes and join us inside!


Today, I am guest posting about Draping in Design on Design Thoughts, great blog on designer's thoughts on balancing Mama, money and her love for all things design! Thanks, Kim, I hope you are enjoying your vacation!!


When it comes to investing, we often look to financial planners to serve as our guide. Where should we invest our assets? And when should we make these investments? But there is one question a savvy investor asks before all others: is my financial planner invested in me?
Ryan Stafford of P.S. Platinum has partnered with the experts at 20/20 Financial to help his clients build a network of trustworthy advisors. Since buying or selling a house is such a significant financial decision, Ryan believes consulting with a professional to see how this decision could impact your long-term goals is smart business. A good financial investor can set you up for success in the present as well as help solidify your future plans.
Accessibility: Are they easy to reach in a timely manner?
Commitment: Have they listened to your unique aspirations and exhibited an understanding of your needs and the needs of your whole family?
Confidence: Do they ask questions that are designed to help you achieve your personal goals or are they trying to sell you products?
Flexibility: Are they able to adapt to your ambitions as they change over time?
Oftentimes, the level of communication is the key: you want a financial adviser who takes the time to learn the nuances of your situation and aspirations so they can ultimately help you succeed.
The same goes for the partnership between you and your real estate agent, and your agent and financial planner.
Find a real estate agent and financial adviser who want to work with your goals, not push you toward someone else's idea of success.
Not all real estate agents and financial planners are created equal. When Ryan teams up with 20/20 Financial, he relies on his team to focus his efforts and achieve your goals with a custom strategy. Whether you are looking to purchase an investment property or sell your primary residence to find a home that better suits your lifestyle, you need a team that understands your expectations and shares your vision.
How do you want to prioritize home ownership, retirement savings, college education funds, or external investments? Ryan and the experts at 20/20 Financial can help you sort out the questions that keep you up at night so you and your family can sleep safely and soundly in your new home.
See the magic happen as it unfolds: watch the video collaboration with the team from 20/20 Financial in Cardiff, Steve and David, to learn more about how your real estate and financial advisers can work together.


text:
#ifndef TENSORFLOW_CONTRIB_RNN_KERNELS_BLAS_GEMM_H_
#define TENSORFLOW_CONTRIB_RNN_KERNELS_BLAS_GEMM_H_

#include "third_party/eigen3/unsupported/Eigen/CXX11/Tensor"
#include "tensorflow/core/framework/tensor_types.h"
#include "tensorflow/core/kernels/eigen_activations.h"
#include "tensorflow/core/platform/types.h"

namespace tensorflow {
class OpKernelContext;
namespace functor {

template <typename T>
struct TensorCuBlasGemm {
  void operator()(OpKernelContext* ctx, bool transa, bool transb, uint64 m,
                  uint64 n, uint64 k, float alpha, const T* a, int lda,
                  const T* b, int ldb, float beta, T* c, int ldc);
};

template <typename T>
struct gemm_compute_type {
  typedef T type;
};

template <>
struct gemm_compute_type<Eigen::half> {
  typedef float type;
};

template <typename Device, typename T, bool USE_CUBLAS>
struct TensorBlasGemm;

template <typename Device, typename T>
struct TensorBlasGemm<Device, T, true /* USE_CUBLAS */> {
  static void compute(OpKernelContext* ctx, const Device& d, bool transa,
                      bool transb, typename gemm_compute_type<T>::type alpha,
                      typename TTypes<T>::ConstMatrix a,
                      typename TTypes<T>::ConstMatrix b,
                      typename gemm_compute_type<T>::type beta,
                      typename TTypes<T>::Matrix c) {
    int64 m = c.dimensions()[0];
    int64 n = c.dimensions()[1];
    int64 k = transa ? a.dimensions()[0] : a.dimensions()[1];

    TensorCuBlasGemm<T>()(ctx, transb, transa, n, m, k, alpha, b.data(),
                          transb ? k : n, a.data(), transa ? m : k, beta,
                          c.data(), n);
  }
};

template <typename Device, typename T>
struct TensorBlasGemm<Device, T, false /* USE_CUBLAS */> {
  static void compute(OpKernelContext* ctx, const Device& d, bool transa,
                      bool transb, typename gemm_compute_type<T>::type alpha,
                      typename TTypes<T>::ConstMatrix a,
                      typename TTypes<T>::ConstMatrix b,
                      typename gemm_compute_type<T>::type beta,
                      typename TTypes<T>::Matrix c) {
    Eigen::array<Eigen::IndexPair<Eigen::DenseIndex>, 1> contract_pairs;
    contract_pairs[0] =
        Eigen::IndexPair<Eigen::DenseIndex>(transa == false, transb == true);
    if (alpha == typename gemm_compute_type<T>::type(1.f) &&
        beta == typename gemm_compute_type<T>::type(0.f)) {
      c.device(d) = a.contract(b, contract_pairs);
    } else if (alpha == typename gemm_compute_type<T>::type(1.f) &&
               beta == typename gemm_compute_type<T>::type(1.f)) {
      c.device(d) += a.contract(b, contract_pairs);
    } else {
      c.device(d) = c.constant(T(alpha)) * a.contract(b, contract_pairs) +
                    c.constant(T(beta)) * c;
    }
  }
};

}  // namespace functor
}  // namespace tensorflow

#endif  // TENSORFLOW_CONTRIB_RNN_KERNELS_BLAS_GEMM_H_

redpajama_set_name: RedPajamaGithub


text:
Buying a home using a mortgage is complex and time-consuming. Several documents must be executed to effectuate the transfer, ranging from financial documents to consumer protection disclosures and contracts. This module explains how and when real estate finance documents must be recorded, as well as the documentation and closing procedures required to support real estate finance agreements.
Mortgage Documentation Required Prior to Closing
When buying a home, the purchaser executes several critical documents at various times in the process. Understanding the intent and legal function of these documents is critical to effectively navigating the mortgage process. The following discussion goes over the standard documents that one can expect to execute when taking out a mortgage loan.
The first document is the mortgage application. Most often, the application will be a Uniform Residential Loan Application, also known as a form "1003" mortgage application, which is the industry standard form used by nearly all mortgage lenders in the United States. [1] The 1003 mortgage application form was created by the Federal National Mortgage Association (sometimes called "Fannie Mae" because of its initials "FNMA") to standardize mortgage applications across the private lending industry. The form requires the disclosure of identification information about the borrower and any co-borrowers, including Social Security numbers, birth dates, marital status and personal contact information.
The borrower will also need to provide documentation of income, expenses, assets and liabilities, including any pending legal issues that may impact the borrower financially. The lender reviews the information provided on the mortgage application form along with the prospective borrower's credit report and credit history to determine the credit risk for the loan. Lenders also typically require information about the property being used to secure the loan with the mortgage application, such as the purchase price, the address, and the year the home was constructed. [2] They use this information to assess the value of the property being used to secure the loan.
After submitting the mortgage application, the borrower may receive a pre-approval letter from the lender. This letter spells out the amounts and terms of the loan that the bank is willing to issue, subject to specified conditions. A pre-approval is helpful for budgeting and assessing competing offers and it is often an excellent way to show a potential seller that the purchaser is serious and able to purchase the property, but a preapproval letter is not a binding commitment to issue the mortgage loan.[3]
Once the mortgage application is completed, the bank will usually require a credit report, home appraisal, and title search to provide additional certainty regarding the risk it is taking on by issuing the loan. Each of these services comes at a cost, and the bank typically passes this cost on to the borrower.
At this stage, assuming the bank is still willing to go forward with the process, the bank will provide a Loan Estimate (formerly called a Good Faith Estimate), which estimates what the borrower can expect to pay for these supplemental requirements and spells out the terms of the loan. This document also outlines the total closing costs that will be borne to the borrower at closing, including the down payment, mortgage origination fee, title insurance, fees for the bank's attorney and other closing costs. [4]
Once the mortgage application is formally approved, the borrower will receive a Commitment Letter spelling out the terms of the mortgage loan. The borrower typically has a limited time to accept the terms in the Commitment Letter, and once the letter is executed, the borrower has all the financial assurances needed to schedule the closing.
The Closing Disclosure
Closer to the closing, the borrower also receives a Closing Disclosure, which is a five-page form that provides the final details about the mortgage loan.[5] The Closing Disclosure lists all the charges and credits the buyer and seller in a real estate transaction are subject to. [6] It also lists the total amount of the loan, any financing charges, the payment schedule, the annual percentage rate (or "APR") of the loan, broker fees, points and any other charges the borrower is required to pay. [7] Prepayment penalties, balloon payments, mortgage insurance and escrowed amounts must also be included in the disclosure, if applicable. This must be provided to the borrower at least three business days before the closing.[8]
The Closing Disclosure replaced the HUD-1 Settlement Statement and Truth-in-Lending disclosure forms that that were used until 2015, and it includes substantially all the information that were in both forms.
Some lenders require that they pay the borrower's property tax and homeowner's insurance from an escrow account that is funded by the borrower. They do this to ensure that their security interest is preserved in case they need to foreclose. When escrow is required, the lender provides an initial escrow disclosure statement that spells out the amounts that the borrower must put into escrow at closing and on a monthly basis thereafter.[9]
Documents at Closing
The mortgage process is finalized at the closing, which requires all the parties to get together to execute the final documents necessary to convey the deed to the buyer and ensure that the seller is paid. The closing usually takes place at a title company or attorney's office, and the borrower is presented with many documents to sign, including several affidavits and declarations spelling out the terms of the debt the borrower is taking on to purchase the new home, as well as the borrower's rights as a homeowner. [10]
Among the many documents executed at a closing, the Promissory Note may be the most important one for the mortgage. The Promissory Note represents the commitment to repay the loan and it must include many relevant details about the loan, including payment due dates, the term of the loan and the manner in which payments are to be made. The Note will also state whether the loan is for a fixed rate or adjustable. In the case of an ARM, the Promissory Note discloses how or when the rates may change. The Promissory Note will also spell out the events of default that may trigger foreclosure, including what happens if the borrower fails to make payments when due. [11]
The Promissory Note is a pivotal legal document in the mortgage process and has become more complicated over time as it's become more common for mortgages to be bought and sold by investors as securities. [12] As a result, mortgage borrowers commonly retain attorneys to review Promissory Notes or help negotiate more favorable terms.
Next, the mortgage document itself conveys the security interest from the borrower to the bank. This document, also called a Security Instrument or Deed of Trust, gives the lender the right to foreclose on the property being used to secure the loan. It includes the same basic information as the Promissory Note, but it provides additional details regarding the lender's rights in the case of foreclosure and other things that can have a substantial impact on property rights. For example, a Mortgage can include a "due on sale" clause, which prohibits the homeowner from transferring the property without the lender's consent. [13] This is significant for anyone who plans to sell her home before the end of their mortgage term. It doesn't mean that the property cannot be sold; it simply means that the lender must be paid back in full at the time of the sale. It should be noted though, that a section of the federal Garn–St. Germain Depository Institutions Act prohibits the enforcement of due on sale causes when the property is transferred to a close relative, such as a spouse or child, and in cases where the property is transferred to any relative because of the death of the borrower or pursuant to many domestic relations orders.[14] Transfers to family trusts for the benefits of these close relatives are also protected by this federal statute.
A Mortgage may also have an acceleration clause, which allows the lender to demand payment of the entire loan in full upon an event of default, such as failing to make a payment or failing to maintain homeowners' insurance. [15] Acceleration clauses allow the initiation of a foreclosure upon a single missed payment, though lenders typically try to collect or negotiate payment arrangements before commencing foreclosure proceedings.
The deed to the property is conveyed to the purchaser at closing and the deed itself does not need to reference the mortgage interest at all. The mortgage interest is a separate lien on the property that is evidenced by the Mortgage document. As such, the mortgage document must be recorded alongside the deed to the property to ensure that the mortgagee's security interest is protected by proper priorities.[16]
Recording the Documents
Every county has a property records office or "land records" office in which deeds that convey real property interests can be recorded. These are public records and can be accessed by anybody at any time. Many jurisdictions today post their land records online in a way that is searchable by party or by address. These allow parties to research all the deeds relevant to a parcel conveniently and efficiently. Mortgages are interests in property, and so can and should be recorded as soon as possible after the closing.
Most states have recording statutes that impose restrictions on when and how a document conveying property rights can be legally created. Recording statutes are important for several purposes. They set forth a framework for legal notice of ownership of interests in property, including encumbrances created by mortgage interests. When mortgage security documents are recorded according to the requirements of the jurisdiction, they are available for inspection in the land records office, and thus provide constructive notice to everyone else about the property interest.[17] This protects mortgage lenders by ensuring that there are no hidden conflicting or superior claims on the property.
Recording requirements are particularly relevant in situations where property is mortgaged more than once, or other liens are associated with the property. When there are multiple mortgages on a single property, the priority of these claims is determined by the principle of "first in time, first in right." [18] Regardless of the recording statute that applies in the jurisdiction, a mortgage already recorded in the land records puts all subsequent lenders on constructive notice of the superior claim. However, when a mortgage is taken out on a piece of property and not properly recorded, it may be subordinated to subsequent interests in the property.
Recording Statutes and Priorities
Recording statutes allocate priority among multiple competing transferees of property interests. So, if a homeowner gives multiple mortgage interests or purports to transfer the property to one person and mortgage and to another or grants easements or other liens to additional parties, recording statutes play the critical role of determining priorities. A receiver of a secondary mortgage or other interest in the property will take his interest subject to the rights of the primary holder.
States use one of the three types of recording statutes: race, notice and race-notice.
Race statutes, by far the rarest of three types, establish priority simply based on which interest was recorded first. When the property interests were transferred, and which parties knew of which transactions are irrelevant. In race recording jurisdictions, constructive notice is irrelevant as adverse claims are resolved by who recorded first regardless of whether the second mortgagee knew about it. [19]
Notice statutes, on the other hand, allocate priority to the second recipient of an interest in property if the second recipient is a bona fide, good faith, purchaser of that interest unless the first party's lien was already recorded at the time of the transfer. The theory is that the first recipient was dilatory in failing to record his mortgage first, thus causing the confusion. Therefore, the policy protects the second innocent purchaser and has the effect of incentivizing parties to record the security interests as soon as possible. [20]
Many jurisdictions follow a hybrid "race-notice" approach. This is comparable to the race statute in that whichever party records first wins. However, the second party must have acted in good faith. If the second party knew of the previous transfer to the first party at the time of the second transfer, the second party loses because he did not take the property or security interest in good faith. [21]
Let's look at an example. Imagine that Sarah took out a $150,000 loan from ABC Bank to purchase her new home on April 1, but the mortgage was not recorded until April 30. She discovered that the new home needed costly roof repairs shortly after buying it and so Sarah's friend, Tim, agreed to lend her an additional $20,000 on April 15, asking for a lien in the home to secure the repayment. Tim recorded his security interest on April 20.
In a notice jurisdiction, Tim's mortgage would have priority over that of ABC Bank as long as he did not know that Sarah had already taken out a mortgage when he made his agreement with Sarah on April 15. In a race-notice jurisdiction, the same result would apply under the same condition because he recorded first. In a race jurisdiction, Tim's mortgage would have priority even if he did know that Sarah had already taken out a mortgage from ABC Bank because notice is irrelevant in race jurisdictions.
Let's assume instead that Tim did not record his mortgage until May 10. In a notice jurisdiction, Tim's mortgage would still have priority over that of ABC if he did not know of the original mortgage on April 15 because he was a subsequent bona fide purchaser. In a race-notice or race jurisdiction, on the other hand, ABC's mortgage would have priority because ABC recorded first.
Let's now assume that Sarah told Tim on April 14 that she had taken a $150,000 mortgage loan from ABC Bank and Tim lent her the $20,000 anyway on April 15. Tim then recorded his mortgage on April 20. In a race jurisdiction, Tim's would have priority because he recorded first. However, in either of the other types of jurisdictions, ABC's mortgage would have priority because Tim had notice of the original mortgage.
If a mortgage is not recorded, the security interest is usually unenforceable. A few courts have allowed the enforcement of unrecorded mortgage interests under a theory of equitable mortgage when it can be shown that the owner intended to grant a party a mortgage interest, but the document was invalidated for some reason.[22]
As most homeowners know, the paperwork and documentation requirements for mortgages are extensive. Various agreements and disclosures are required at different points in the lending process to ensure that the action is transparent and well-understood by all parties. Much of this paperwork is required to ensure responsible lending and consumer protection. However, in such a complex process even small oversights can have substantial impacts on lenders' and borrowers' rights. As a result, it's critical for everyone involved to take the time to understand the process of finalizing a legally-binding mortgage agreement.
[1] Claire Boyte-White, "What is the 1003 Mortgage Application Form?" Investopedia (2018) available at https://www.investopedia.com/ask/answers/041916/what-1003-mortgage-application-form.asp.
[2] Freddie Mac, Understanding Mortgage Documents (Dec. 2011) available at http://myhome.freddiemac.com/docs/pdf/understanding_mortgage_documents.pdf
[5] https://www.consumerfinance.gov/owning-a-home/closing-disclosure/
[6] Consumer Financial Protection Bureau, What is a HUD-1 Settlement Statement? (Sept. 12, 2017) available at https://www.consumerfinance.gov/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/.
[8] Freddie Mac, Your Step-By-Step Mortgage Guide (June 2016) available at http://www.freddiemac.com/singlefamily/docs/Step_by_Step_Mortgage_Guide_English.pdf.
[9] Consumer Financial Protection Bureau, Guide to Closing Forms, available at http://www.consumerfinance.gov/owning-a-home/.
[10]http://www.freddiemac.com/singlefamily/docs/Step_by_Step_Mortgage_Guide_English.pdf
[11] Consumer Financial Protection Bureau, Guide to Closing Forms, available at http://www.consumerfinance.gov/owning-a-home/.
[12] Renuart, E., Uneasy Intersections: The Right to Foreclose and the U.C.C., 48Wake Forest L. Rev. 1205, 1216-17 (2013).
[13] See e.g. 12 U.S.C. § 1701j-3(a)(1).
[14] See 12 U.S. Code § 1701j-3
[16] Freddie Mac, Understanding Mortgage Documents (Dec. 2011) available at http://myhome.freddiemac.com/docs/pdf/understanding_mortgage_documents.pdf
[17] See Barlow and Burke, Examples and Explanations for Property, pp. 435-438
[19] See Eastern Savings Bank, FSB v. Cach, LLC, 124 A.3d 585 (Del. 2015).
[20] See e.g. Argent Mortgage Co., LLC v. Wachovia Bank N.A., 52 So.3d 796 (Fla. Dist. Ct. App. 2010).
[21] See Spickler v. Ginn, 40 A.3d 999 (Me. 2012).
[22] See e.g. Cox v. Countrywide Home Loans, Inc., 408 B.R. 407 (D. Kan. 2009).


Get affordable Security Camera Installation on Walnut, CA and CCTV equipment with commercial quality and 2 years warranty. There is a lot you can do to keep your home safe: install security camera system and alarm system are your best options. A security camera system will keep your home safe from burglaries and robberies and various other risks that may be lurking around. Installing home security cameras isn't just meant for ensuring protection, it is meant for complete peace of mind. Most outdoor security cameras are visibly placed to announce that the home is under protection. Possible Intruders think that it is a bad idea to break into a home or business that is being watched. Have high quality security cameras that come with remote monitoring features can turn your smartphone into a home security device. Protection4less offer you state of the art security camera system, and professional Installation. Give us a call to get the best price and CCTV professional installation.


text:
Police Arrest Reports
Search Hawaii Arrest Records
Location of the famous TV show, Hawaii Five-O, Hawaii is no stranger to criminal activity and all criminal, arrest and warrant records are kept online and searchable by the public. If you want to know about someone's criminal past, you can search Hawaii arrest records now with a free search on policearrests.com.
Hawaii Arrest Records and Warrants
All you need is someone's name to perform a full search for Hawaii arrest records or outstanding warrants on them. Hawaii arrest records will show convictions but not pending or situations where the charges were dropped. Those records are confidential and sealed until resolved.
Performing a Background Check
Although it would be nice to be able to trust everyone, it doesn't always make sense and being safe is better than finding out later your new babysitter or new hire is a convicted felon. Per-forming a background check is much faster and easier than anyone realizes. With a quick name search, you can see a person's entire employment history, driving record, sex offenses, misde-meanors and felony convictions. Take a few minutes now and do a Hawaii arrest records lookup so you don't have to deal with any hassles later.
Criminal Records Search in Hawaii
Criminal records in Hawaii are public record and searchable. Wirh a Hawaii criminal records search you will have a full criminal history of a suspect with name, date of the offense, plea, ruling, sentencing, and other personal details. A name search will suffice, but to narrow things down further, have the person's date of birth, gender, and social security number.
Prison and Inmate Records
Hawaii's Department of Safety maintains inmate records for anyone incarcerated in a Hawaii jail or prison. With more than 5,600 inmates, it's a good thing the data is online and searchable. With the help of Hawaii jail records you can find out who is located in what prison and when they might be released. All you need is the offender's name to find out.
Total reported incidents in Hawaii in 2016 increased by 1.2% compared to 2015 and is higher than national average of 3,311.69 per 100,000 people. Violent crimes increased from 2,437 to 3,331 while non-violent crime decreased by 1.59% from 31,085 to 30,592.
5 Crimes In Hawaii 2016 with most arrests
Larceny-theft 22,488
Counties in Hawaii with the Highest Crime Rate
Among the 3 counties the most dangerous is the Hawaii county with 467 violent crimes that's 14.02% of the total of 3,331. Maui County has the highest number of records per 100,000 residents that is below the state average of 335 and lower than national average of 469.
Hawaii 467
Maui 450
Kauai 169
Safest Cities in Hawaii
Are you planning a move to Hawaii? Here are the safest cities in Hawaii with the lowest crime rates. You chance of being a victim of a violent crime in Hawaii is 1 out of 299 up by 0.35% compared to previous year. The lowest rate of violent crime is in Honolulu and safest city to encounter a property crime is Honolulu.
Violent Crimes rates in HI increased by 36.68% from 2015. In 2016 violent crimes in HI was 28.7% lower than the national rate. Your chances of being a victim of violent crimes in Hawaii is 0.335%.
Property crime rate in Hawaii decreased by 1.59% from 2015. In 2016 property crimes in HI was 8.11% lower than the national average. Your chances of being a victim of a property crime is 3.073%.
How Hawaii stands up against other states
Hawaii vs. New Hampshire
You'll be in more danger in Hawaii compared to New Hampshire. New Hampshire had an 47.5% lower crime rate than Hawaii. Maine scored the lowest with a 35.09% lower crime rate according to the FBI. Murder rates of 2 per 100,000 people is lower than national of 6 per 100,000 people and higher than average 1 in New Hampshire. Motor Vehicle Theft rates of 437 per 100,000 people is higher than national of 286 per 100,000 people and higher than average 68 in New Hampshire.
Hawaii vs. Maine
You'll be in more danger in Hawaii compared to Maine. Maine had an 35.09% lower crime rate than Hawaii. Idaho scored the lowest with a 24.94% lower crime rate according to the FBI. Murder rates of 2 per 100,000 people is lower than national of 6 per 100,000 people and higher than average 1 in Maine. Arson rates of 26 per 100,000 people is higher than national of 15 per 100,000 people and higher than average 7 in Maine.
Names with the most arrests in Hawaii
Crime rate by age group, gender, and race
The most crimes, that's 100% of all records in state are committed by the people aged between 21-30.
The overall crime rate in Hawaii is 0.74% lower than the national average.
For every 100,000 people, there are 9.34 daily crimes that occur in Hawaii.
Hawaii is riskier than New Hampshire.
In Hawaii you have a 1 in 29 chance of becoming a victim of any crime.
Year over year crimes in Hawaii have increased by 1.2%.
Hawaii Police Arrest Records by Counties
Hawaii Arrest Records
Honolulu Arrest Records
Kauai Arrest Records
Maui Arrest Records
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For the fifth consecutive time, Apple's iPhone has topped J.D. Power and Associates list of smartphone customer satisfaction.
Motorola came in second place with a score of 763 and HTC in third with 762. Rounding out the list are Palm (736), Nokia (734), and Samsung (734).
Coming in dead last is RIM's BlackBerry with a score of 732.
Other findings in the study include two-thirds of owners saying they downloaded games and social networking applications; 54 percent have downloaded travel apps; and 53 percent have downloaded entertainment apps.


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Costs of Equity Crowdfunding: Are Companies in for Sticker Shock?
When the SEC's proposed new rules for Regulation Crowdfunding came out in October last year, there was understandably a lot of excitement. What's not to love about the lofty idea of providing companies access to the huge reservoir of investable assets previously untapped and the street access to investment opportunities previously out of reach.
Then, there are the realities of an actual campaign, including its cost/benefit analysis. I would urge companies at the fundraising stage to spend time and thought determining whether a campaign equity-crowdfunding-style makes sense or whether an alternative is more viable. In the rule proposal, the SEC presented its own cost/benefit analysis. I thought it might be helpful in your decision-making process. Here are the main elements:
Broker-dealer/funding portal fees. Selling of crowd funding securities need to take place through an intermediary, i.e. a broker or funding portal, which will charge a fee presumably based on the size of the offering.
Costs of preparing and filing Form C with the SEC. The new rules require the filing of a Form C for each campaign. The Form includes a description of the business and a business plan, financial information, and information about the issuer's directors, officers and owners.
Costs of preparing and filing an annual report on Form C-AR. Issuers need to file an annual Form C-AR on an ongoing basis.
Costs of financial audits/reviews. The issuer's financial statements must be reviewed by an independent auditing firm for campaigns between $100,000 and $500,000, and audited for campaigns of $500,000 to $1 million.
Costs of criminal and regulatory background checks. Issuers must perform background checks on any director, officer, general partner or managing member of the issuer, as well as any promoter and owner of 20% or more of the issuer's voting shares.
Overall, the SEC predicts that the regulatory costs associated with a crowd funding campaign may be as much as 12.9 to 39% of the funds raised for campaigns of less than $100,000. No need to say more. But even for larger campaigns, there may be alternatives out there that are more suitable for reaching your goal of obtaining sufficient funding with a cost/administrative structure that makes sense in light of your specific situation.
Don't get me wrong — I still believe that crowdfunding will play an important role in the fundraising process for start-ups and small companies. But I also believe that there are, or soon will be, a number of attractive alternatives out there — the JOBS Act modernized tried-and-true Regulation D and is intent on reviving Regulation A — that may provide a more efficient way of funding with your specific goals and prospects in mind. Take the time, sharpen the pencils and do your homework.
I'm writing a separate post laying out the alternatives to help you with the process. Stay tuned. In the interim, please call, email or tweet me @Bettina Eckerle with questions or comments.
Tags: Bettina Eckerle, Crowdfunding, Eckerle, Eckerle Law, Entrepreneurs, Equity crowdfunding, Funding Crowdfunding, JOBS Act, Securities Regulation, Startup lawyer
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On July 18, Muk Muk left Belden in the late evening and began the long climb up out of the Feather River gorge. She passed the burned-out remains of the Williams cabin and continued on another mile to Myrtle Flat where she stopped for the evening as it was getting dark. As no rain was forecast, Muk Muk cowboy camped for the night, meaning she didn't put up her tent.
As she was snuggling in her sleeping bag, she heard a rustling in the brush near the trail leading to her camping spot. At first she thought it was another hiker approaching, but after calling out to the noise, and getting no answer, she became a little concerned. Shining her headlamp in the direction of the disturbance, she became very alarmed when she saw the reflection of her light in the two bright orbs of a large mountain lion staring back at her.
She shouted at the animal and banged her trekking poles together in hopes of frightening it away, but it stood its ground. This display, this Mexican standoff lasted for about an hour – Muk Muk shouting, hissing, and growling at the big cat, all the while the cougar simply ignoring her and her antics.
After a bit, the cougar left, and Muk Muk took the opportunity to erect her tent. Now seated inside her flimsy shelter that was meant only for keeping mosquitoes and rain at bay, she waited to see what would happen. She didn't have to wait long, as the cat reappeared outside her tent. In the dark, Muk Muk thought there might be two cougars, but she was never sure. For several hours this cat-and-mouse game played out; Muk Muk shouting and yelling, the cat growling and hissing outside the tent.
Muk Muk's anxiety level was rising by the minute; she's frantic, not knowing what to do, not knowing what the intentions of the cougar are. Attacks on humans by cougars are extremely rare, but not unheard of. Will the big cat try to enter the tent? Or is it content to just inflict emotional pain on a very scared and frightened hiker. Certainly, this isn't the cat's first rodeo, its first stalking of a human.
Muk Muk carries a Spot emergency responder and tracking device with her. She debates whether or not to activate the emergency SOS signal that will be relayed to the sheriff's department nearest to her location and the fact that she needs assistance. In her somewhat confused state of mind, she can't decide if it's the proper thing to do.
She debates and debates with herself, until finally her fears and anxiety are so great, at one thirty in the morning, she presses the SOS button on the tracking device; in a split second the signal, carrying her unique frequency and code, and GPS location flashes out to the overhead satellite and is relayed back to an earth station, for processing. A human voice then calls the local sheriff's department responsible for the section of forest land in which Muk Muk is located. The administrative machinery for a search and rescue operation has now been set in motion and the waiting begins.
Muk Muk is extremely tired but dares not sleep; she sits upright in her tent, facing the door, holding her trekking poles in one hand with the sharp ends pointing towards the door, and her tiny knife with a two-inch blade in her other hand. She waits and frets; she dozes. Time passes slowly; has the mountain lion left? She can't be sure, but she no longer hears any movement or sounds outside her tent.
At four in the morning, she determines that the big cat has left, and sends a cancellation notice for the SOS signal. The blinking lights on the Spot say that the message has been sent, but she cannot be sure.
With the light of day, Muk Muk unzips the tent door and peers out; no sign of the cougar. She exits the tent carrying her trekking poles in defensive mode, prepared to do battle, but the cougar has gone; it's had its fun. In the early morning hours she hears the whooshing sounds of a helicopter overhead.
When she sent the SOS signal, her latitude and longitude coordinates were piggybacked with the same message, thus, search and rescue personnel knew exactly where to start looking for her.
Although the tree cover was dense, she was still able to get the attention of the helicopter pilot and spotter and gave them the OK signal, accordingly, the rescue helicopter left the area.
Unbeknownst to Muk Muk, two search and rescue personnel had started up the trail from Belden when they received notice of an impending emergency. They were able to make contact with her before she left the area.
Muk Muk, as a hiking community of friends who care about you, we're glad that this unexpected experience had a happy ending, and now gives you some bragging rights.
A mountain lion, also know as a Cougar, and sometimes referred to as a Panther.


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Report Card - E3 2013 Press Conferences
We were really skeptical coming into this year's E3. We were burned last year quite severely from overhyping the event. This year, however, the big three came and they came hard. ...That last sentence came out wrong.
Anyway, just like last year, we will be utilizing our popular Report Card segment to grade each of the big three's E3 presentation performances. This was a big year for all, as Microsoft, Sony, and Nintendo all had much to prove. Two had new consoles that needed to be unveiled, and one needed to stay relevant in the minds of consumers.
If you like, you can take these grades and play "who won E3" like the press and the fanboys they cater to enjoy doing, but we'd rather just sit back, relax, and enjoy how all three are going to give us each something to remember them by-- great gaming experiences. Let's get to grading, shall we?
Unfortunately, Microsoft has once again proven to us that they are still going to cater to the market that made them so popular in the first place. They will continue to publish, develop and house games in the genres of shooters, sports, and racers. That's fine. It works for Microsoft, but it means we have next to zero interest for the Xbox One. Even Dead Rising 3, a confirmed Xbox One exclusive, seemed to lose everything that made the first two games in the series so appealing, like the comedic charm. And what of Killer Instinct? Not only is it not being made by Rare (it's being made by Double Helix, who have a mediocre track record at best sadly), but it's F2P, meaning you get a free demo with one or two characters and you have to pay to unlock everything else.
Microsoft really did nothing to sell us on the Xbox One. They didn't bother mentioning the elephant in the room, the Xbox One's used game and DRM issues, which is a common tactic by anyone with something to hide. We all know that the average consumer will not really care about these issues and will blindly buy an Xbox One. We could say it's because of the games or all of their friends will be buying one, but our stance has the reason that Microsoft will throw an endless amount of money to make sure their system succeeds, despite what that would do to the future of our industry. That's generally Microsoft's answer to everything-- throwing money at everything. It's this crappy behavior and the lack of admitting they're snake oil salesmen that make us absolutely abhor what the Xbox One and Microsoft stand for.
Pardon the rant. We're here to talk about the press conference. After all of the gun games and sports titles, the price tag was revealed: $499. It seems to us that the so-called "third console curse" has taken another victim and its name is Microsoft. It is as if MS learned nothing from Sony last generation. They are acting just as arrogant, if not more so, and it is without a doubt disgusting. No thank you, Microsoft. No thank you. We're most definitely jumping out.
Sony's 2013 press conference started out with the present, looking at PlayStation 3 titles slated for the rest of the year. Yes, Jack Tretton, not bad for a seven-year-old console indeed! There was Beyond: Two Souls, Gran Turismo 6, and much more.
Things then shifted to the PS4, what everyone was waiting for without a doubt. We saw the sexy piece of hardware, we saw Sony Santa Monica's first offering, developed by Ready at Dawn (God of War: Chains of Olympus, God of War: Ghost of Sparta), The Order. Steampunk? Werewolves? England? Color us intrigued!
We then caught a glimpse of four of the titles that debuted back in February's initial PlayStation 4 reveal: Killzone: Shadow Fall, Drive Club, Infamous: Second Son, and Knack. Somehow they looked even better than when they were originally shown. How is that even possible!?
It's no question that Sony is all about indies this new generation. They showed off an impressive number of independent developer games showing up first on PlayStation 4.
Third-parties were also kind to Sony, including Square Enix, who showed off not one but two mind-blowing games. The first was Final Fantasy XV, the game formerly known as Final Fantasy Versus XIII. There was a lot of murmuring about whether the former project would turn into the fifteenth mainline Final Fantasy game, and those folks who thought so were right. Then, the game announcement that excited us most from Sony's show, Kingdom Hearts III, was unveiled. Finally! No more spin-offs, no more side stories-- just the third numbered game in the Disney/Square Enix collaboration!
Most importantly, Sony absolutely pulled zero punches with regards to Microsoft, and after seeing how disgusting Microsoft's policies are, we loved every minute of it. There, stood Jack Tretton, with a giant warm grin plastered on his proud face, as the crowd hooted and hollered his confirmation that the PS4 would not be anti-used games (a funny official video from Sony can be seen here regarding that), would not need to be always online, and would not have any DRM. Then, came the haymaker-- $399.
Sure, the fact that online multiplayer will now be behind a paywall was a bit disappointing, but then PlayStation Plus has proven it is more than worth the money. You will still get free games, and you will still have an awesome service. The only other gripe we have with the press conference was the lack of a strong PlayStation Vita presence. I guess we're fine not caring if you're fine not caring, Sony.
Regardless, Sony came back in a big way at this E3. No doubt Microsoft thought the PlayStation 4 would be priced higher than their Xbox One, and Sony managed to deliver a seemingly knockout punch to Microsoft in round one of this new console war. Sony's E3 2013 press conference wasn't perfect, but it was one of the best in E3 history.
The Big N opted to do things differently than past E3s. They did not have a traditional E3 press conference. Instead, they had a Nintendo Direct, something very popular with fans and something that allows Nintendo to directly reach their fans... hence the name. Despite the seemingly infinite amount of lag and loading in the initial video, we were quite pleased with what Nintendo had to show.
There wasn't a lot that was not already known coming into the Direct. Many of the games shown and highlighted had been previously announced at a Nintendo Direct which was shown earlier in the year. However, it was nice to finally get footage and details about a lot of the titles.
The program started with a look at Pokemon X and Pokemon Y, showing the impressive 3D world of the games, some new Pokemon, the battle system, and the eighteenth (thanks Rhythm Heaven Guy for correcting us) type of Pokemon, Fairy. We haven't had the "gotta catch 'em all" bug in a long time, but Pokemon X and Pokemon Y are giving us the fever once more.
Let's talk about the three games that excited us most. The first was Super Mario 3D World. We came into the Nintendo Direct, like most folks, expecting a 3D Mario in the style of Super Mario 64 and Super Mario Galaxy. We wanted to see something that pushed the Wii U hardware. What we got instead was a sequel to the Nintendo 3DS's Super Mario 3D Land, only this time on Wii U. However, our whining soon turned to quivering with excitement as we saw the game in action. Four player multiplayer with Mario, Luigi, Peach, and Toad, each handling differently? Colorful worlds? Tight platforming? We totally understand why there's a good portion of pissed off people over the announcement of Super Mario 3D World, but perhaps if it's like most Nintendo games, you won't know that you wanted the game until you sit down and play it.
The next game that excited us heavily was Mario Kart 8, taking the racing into a whole new direction-- literally! Upwards, downwards, alongside walls-- it's like Mario and the gang entered into the world of F-Zero. Bikes return, 12 person racing returns, gliders and underwater sections return, and the game looked absolutely glorious in its high definition beauty. All that and 60 FPS? Yes, please!
The final game that excited us most (don't get us wrong, we loved most everything else) was Super Smash Bros. for Nintendo 3DS and Wii U. We knew a trailer was coming, but we didn't expect being absolutely floored by the footage shown. Levels took place aboard the train from The Legend of Zelda: Spirit Tracks (3DS version), a platforming area in Super Mario 3D Land (3DS version), Skyloft from The Legend of Zelda: Skyward Sword (Wii U version) and a new version of Smashville (Wii U version). Newcomers like the Villager from Animal Crossing, the Wii Fit trainer, and yes, Mega Man made up for having no information about the game for nearly two years. Masahiro Sakurai and company, you glorious bastards!
Then there was footage of X, The Legend of Zelda: The Wind Waker HD, The Wonderful 101, Donkey Kong Country: Tropical Freeze, Art Academy, and Wii Party, each intriguing us but at varying levels.
All-in-all, we liked this approach to E3 from Nintendo. We're a bit annoyed that we have to wait until 2014 for a lot of the titles shown, but this year with Pikmin 3, New Super Luigi U, The Wonderful 101, The Legend of Zelda: The Wind Waker HD, Donkey Kong Country: Tropical Freeze, and Super Mario 3D World, our Wii U systems will have plenty of games inside them for the rest of the year.
This E3 will go down as one of the greatest in memory, and we've been following the expo since its inception in 1995. Great games were shown, consoles were revealed, and memorable moments were had. How would you grade the E3 shows this year? Break it to us gently in the comments section.
Labels: e3 2013, grades, microsoft, nintendo, playstation 4, press conferences, report card, sony, wii u, xbox one
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Bobby Courtney Bratton
Born on August 13, 1927
Departed on February 9, 2008 and resided in Goodlettsville, TN
BRATTON, Bobby C. February 9, 2008 of Hendersonville. He was preceded in death by his wife, Peggy Jane Bratton. Survived by his son, David Bratton; daughters, Leigh Ann Bratton, and Kimberly Bratton (Atlanta, GA); grandsons, Shon, Jason, and Jesse Bratton; great-grandchildren, Savanah and Alana Bratton; brother, Jack Bratton; sisters, Patricia Patterson, and Betty Mecke. Mr. Bratton was the former Vice President of Hitt Electric, former owner of Circle B Ranch in Hendersonville, and was a veteran of both the Army and the United States Air Force. Visitation with the family will be at Cole & Garrett Funeral Home, Goodlettsville on Monday from 3-8 p.m., and Tuesday from 10 a.m. until service time at 11 a.m. in the Cole & Garrett Chapel with Rev. Neal Glass, officiating. Interment will follow at Forest Lawn Memorial Gardens. Family and friends will serve as pallbearers.
One Comment to Bobby Courtney Bratton
Pam Mecke Whitlock
David, Leigh Ann, and Kim, Even though many years have slipped by without us seeing one another, I have thought of you often. Please know you and your families are in my prayers.


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Singapore and Denmark to Collaborate on Fintech Promotion
Jun 30 2017 · 19:49 UTC | Updated Sep 3 2017 · 08:14
Photo: CafeCredit.com / flickr.com
Regulatory authorities in Denmark and Singapore have announced a cooperation agreement to boost financial technology innovation in both countries.
The Monetary Authority of Singapore (MAS) has partnered with the Danish Financial Supervisory Authority (Danish FSA) to help fintech companies enter each other's markets. Under the agreement, the regulators will eliminate barriers to entry in a new jurisdiction and will share information about financial innovations in Singapore and Denmark.
The deal was signed at the Money 20/20 Europe conference in Copenhagen on Wednesday. In March 2018, Singapore will hold the inaugural Money 20/20 Asia conference.
"Singapore and Denmark are important gateways to their surrounding regions," said Sopnendu Mohanty, Chief FinTech Officer at MAS. "This cooperation agreement signifies the commitment of MAS and Danish FSA to promoting innovation in financial services and growing the FinTech landscape. We look forward to closer interactions between our respective FinTech ecosystems and more opportunities for our businesses to grow, expand and serve customers in each other's markets."
According to Thomas Brenøe, Danish FSA's Deputy Director General, the organization is aimed at fueling innovation in the financial services industry. It is going to open a new FinTech Lab in Denmark to help fintech startups launch their businesses in the country.
"Financial innovation is not confined to national borders, and we are therefore delighted to enter into this agreement with MAS. This agreement will ensure cooperation between the Danish FSA and MAS and will foster opportunity for businesses in Denmark and Singapore to grow," Brenøe said.
Brian Mikkelsen, Danish Minister of Industry, Business and Financial Affairs , commented: "I am very happy that Denmark and Singapore have been able to join forces in this agreement. I am sure that this will help many FinTech companies and create an even better growth environment for these companies in both Singapore and Denmark."
MAS already signed similar fintech cooperation agreements with a number of countries over the last few months, including China, United Kingdom, Australia and South Korea. The organization has partnered with China's Shanghai Municipal Financial Services Office (SFSO), the Australian Securities and Investments Commission (ASIC), the Korean Financial Services Commission (KFSC), the Swiss Financial Market Supervisory Authority (FINMA), the Association of Supervisors of Banks of the Americas (ASBA), International Finance Corporation, and others.
Last month, Mas unveiled plans to host the second Singapore FinTech Festival, following its success last year. The inaugural event attracted more than 13,000 participants from around 60 countries. The attendees of this year's festival, will include venture capitalists, investors, fintech players, academics, and policy makers, among others. The event will be held in Singapore from 13 to 17 of November 2017.
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