The Supreme Judicial Court (SJC) found that a law firm that failed to file an appeal in a case that would have been overturned by the Court was negligent. Legal malpractice lawyer Neil Burns noted that the company, Global NAP may have a significant claim against their law firm, Jackson Lewis and Winokur, Serkey & Rosenberg.
There are many attorneys in Boston. But sometimes, in lieu of consulting and hiring an experienced attorney, many Massachusetts residents try to navigate the Massachusetts court system on their own. The attorneys at the Boston Law Office of Neil Burns know that this is often a mistake. Trying to represent yourself, whether in court or when dealing with insurance companies, for example, in negotiating personal injury settlements, can be tricky; worse yet, your claim may not survive.
The Massachusetts Board of Bar Overseers, sitting in Boston, issued the following ruling regarding a licensed Massachusetts attorney on May 3, 2010. The ruling involved an attorney not responding to a client and failing to pursue a client's claim with diligence. The Boston attorney's at the Law Office of Neil Burns field repeated inquiries regarding potential attorney malpractice and attorney's responsibility to their clients. This case of discipline is an example of the requirements Boston and all Massachusetts attorneys must follow with respect to their clients.
Two Boston area attorneys were temporarily suspended when, according to the Lawrence, Massachusetts court, they "put their self interest ahead of that of the client." Ferreira, Pedro (Lawyers Weekly No. 25-010-10) (April 8, 2010). This was a worker's compensation case involving the Department of Industrial Accidents, and Boston legal malpractice attorney Neil Burns has represented hundreds of clients in cases where an attorney did not put the client's best interest first.
Legal malpractice is when an attorney breaches his or her duty to the client causing damages. Overbilling, on the other hand, is often considered the cousin of legal malpractice. In a recent notorious case, Judge Stephen Steinberg of the Probate and Family Court, issued a 33 page detailed decision criticizing Massachusetts attorneys Gerald Nissenbaum and James Vera for billing an estate almost $500,000.
In a case handed down by the US District Court, legal malpractice actions were clarified. The Court reaffirmed that there must be an attorney client relationship: an "implied" attorney client relationship is not valid, nor is there any "duty" owed to a non client. One of the fundamental aspects to any legal malpractice claim is that the lawyer owed a duty to the client. In the United States District Court decision, the Court held that because the defendant lawyers never owed any "duty" to the plaintiff, they could not be responsible for committing legal malpractice.
The Massachusetts Clients' Security Board (CSB) is a panel of attorneys, appointed by the Supreme Judicial Court. They are entrusted with a never ending source of money – a portion of all registered Massachusetts attorneys' annual fees! all registered Massachusetts attorneys' annual fees! [CAROLINE START HERE] Unfortunately, the CSB's job is never ending as well – their job is to distribute funds to victims of attorney dishonest financial conduct. That is, when an attorney steals money that he or she was a fiduciary of, the CSB investigates and pays the client for the loss.
Our office undertakes litigation with a personal injury and legal malpractice focus. While not many lawyers in Massachusetts will represent the victims of legal malpractice, our firm's mission is to uphold the trustworthiness of the profession. When the facts are clear, the Courts of Massachusetts will uphold the law and find legal malpractice, treble damages and award attorney fees.


KANSAS CITY, Mo. — An attorney has filed a lawsuit against Ripley Entertainment, Inc. on behalf of some members of the Indianapolis, Indiana family killed in a duck boat incident in Branson, Missouri.
The Ride the Ducks Branson vehicle capsized and sank on July 19, amid strong storm winds and taking on too much water. Seventeen people died, including the driver of the boat and nine members of a family of 11 on vacation from Indianapolis. The victims' ages ranged from just 1 year old, to 76 years old.
The lawsuit alleges wrongful death, outrageous conduct and negligence in the incident, and seeks at least $100 million in damages.
Attorney Gregory W. Alshire is representing John D. Coleman, the administrator of estate for Ervin Coleman, killed in the incident, along with Lisa D. Berry and Marlo Rose Wells, who are the administrators of estate for victim Maxwell Ly.
Additional defendants include Ride the Ducks International, LLC, Ride the Ducks Branson, LLC, Herschend Family Entertainment Corporation, and Amphibious Vehicle Manufacturing, LLC, collectively referred to in the lawsuit as RTDI.
Ripley acquired RTDI in December 2017. According to the lawsuit, RTDI is the United States' largest amphibious tour operator, with nearly 100 vessels that can carry more than one million people annually.
The lawsuit also states inspectors had warned the company the bilge pumps on the duck boats could fail in bad weather.
The lawsuit claims that Ripley was looking into buying the operations of Ride The Ducks International in August 2017, and hired an inspector.
According to the lawsuit, the inspector told Ripley the Branson duck boats' engines and bilge pumps might fail in bad weather because the exhaust system was improperly placed. Both the engine and bilge pumps help remove water from the duck boats' hulls.
A chart shows duck boats have been involved in a number of fatal incidents since 1999, including the sinking of the Miss Majestic duck boat in Arkansas, an incident that killed 13 people.
Ride the Ducks' president Robert McDowell, responded by saying the company was pursuing a possible solution, but it required a "considerable feasibility evaluation, and thus expense." The lawsuit claims McDowell admitted the great cost to make the recommended changes for safety was a sticking point.
The suit continues, providing McDowell's educational background and detailing his involvement in the design of the duck boats.
The lawsuit says McDowell completed two years of college, which did not account for training or formal education in engineering and mechanics, yet he still designed and developed the "stretch duck" boats, including Stretch Duck 07, the vessel involved in the Table Rock Lake incident.
The lawsuit claims McDowell's design was based on conversations with a former co-owner of Ride the Ducks, who was a high school football coach, and people at auto parts stores. McDowell allegedly did not consult an engineer with the design.
Ripley released the following statement Monday evening.


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Analysis of GAB oil industry jobs and income welcomed
A report indicating discovery of oil in the Great Australian Bight could deliver some 5,000 fulltime jobs and $7 billion a year in payments to government has been welcomed by Minister for Resources and Northern Australia Matt Canavan.
"If commercial amounts of oil or gas were discovered in the Great Australian Bight, it could provide a major boost to the national economy and to the economy of South Australia in particular," Minister Canavan said.
"It highlights why the Coalition Government is committed to encouraging the exploration and development of Australia's offshore petroleum resources in the Great Australian Bight and other Commonwealth waters."
Minister Canavan said that, while oil and gas had not yet been discovered in the Great Australian Bight (GAB), the region was highly prospective.
"We will work with all current titleholders to develop this important oil and gas frontier, which could be as significant as Bass Strait.
"I was pleased to include an area in the GAB for release as part of the 2018 Offshore Petroleum Exploration Acreage release in May.
"The report – compiled by ACIL Allen Consulting for the Australian Petroleum Production and Exploration Association – says discovery of a resource equivalent to that in Bass Strait could support 1,500 jobs in South Australia over the following 40 years, with a further 3,400 jobs nationwide.
"Payments over the same period to the South Australian and Commonwealth Governments – including company tax, petroleum resource rent tax, payroll tax and a number of other taxes – could be more than $300 billion."
Minister Canavan emphasised that Australia had robust environmental regulations governing offshore oil and gas exploration and production, and no project would be approved that cannot show compliance with these regulato.
"All offshore oil and gas activities in Commonwealth waters, including in the GAB, are subject to a rigorous assessment process by the National Offshore Petroleum Safety and Environmental Management Authority.
"This means that past exploration in the GAB – including drilling of a dozen wells since 1972 – has been conducted in an environmentally responsible way.
"Australia has a world-leading oil and gas industry, which is essential for Australia's economic prosperity and energy security.
"The Coalition Government will continue to put in place policies that drive our prosperity and encourage ongoing investment and jobs growth in this sector."

redpajama_set_name: RedPajamaCommonCrawl


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GLAAD's Media Matters Newsletter
Katie Couric was among the millions of Americans who went purple on 'Spirit Day' in support of LGBT youth
Letter From GLAAD President Jarrett T. Barrios
GLAAD President Jarrett Barrios writes about the tremendous victories celebrated by the LGBT community in 2010, and describes some of the challenges that lie ahead in 2011. Read More...
Millions Go Purple in Support of LGBT Youth
This year, the LGBT community and its allies suffered the tremendous loss of several young people who died by suicide. While all students have a difficult time adjusting to the pressures of school and adolescence, LGBT and perceived-LGBT youth face disproportionate rates of bullying. To help combat anti-gay bullying in the classroom and send a clear message to LGBT youth that it's okay to be who you are, GLAAD worked to raise national visibility around the first-ever "Spirit Day," helping millions of people 'go purple' in support of LGBT youth. Read More...
Building LGBT-Inclusive Companies from the Inside, Out
In 29 states, it is legal for employees to be fired because of their sexual orientation, and in 38 states, it is legal to terminate employees based on gender identity. While countless LGBT professionals continue to live in fear of losing their jobs just for being who they are, GLAAD is working to promote LGBT-inclusive employment protections in the media and inside companies across America. Read More...
Membership Corner
Membership Spotlight: For years, Steve Harris has been active within the LGBT community. After creating and launching Bear's Life Magazine, Steve realized the importance of sharing our stories with America and joined GLAAD as a member. Read more...
Corporate Partner: RÖKK Vodka
This year, GLAAD bridged a new partnership with RÖKK Vodka to help fund our work to amplify LGBT voices. In 2011, that partnership will continue to grow as GLAAD welcomes RÖKK Vodka as its Presenting Partner for the GLAAD Media Awards series. Read more...
Exclusive Interview: Jill Zarin
In November, GLAAD presented its ninth annual OUTAuction, an evening that celebrates and recognizes established and emerging artists. Jill Zarin, star of Bravo's hit series "The Real Housewives of New York City," hosted the event where she spoke to guests and mainstream media about total equality. Read More...
Programmatic Work
Media Field Strategy: "Bringing Stories of LGBT People to Local/Regional Media"
Entertainment Media: "Ensuring Fair & Accurate LGBT Images Across Entertainment Platforms"
Religion, Faith & Values: "Mobilizing Faith Communities to Speak Out in Favor of Equality"
National News Media: "Working to Amplify LGBT Voices in News Outlets Across the Country"
Digital Initiatives: "Raising LGBT Visibility in Online and Social Media"
Spanish-Language Media: "Increasing the Number and Quality of Latino/a Voices in the Media"
Credit: Janet Mock
Janet Mock to be honored with the Stephen F. Kolzak Award at the 31st Annual GLAAD Media Awards in Los Angeles
Credit: Taylor Swift
"Why are you mad when you could be GLAAD?": Taylor Swift to be honored with the Vanguard Award at the 31st Annual GLAAD Media Awards in Los Angeles
Evangelicals For Trump
[Hypocritical Anti-LGBTQ Opportunists] For Trump


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Samuel "Silent Assassin" Salva, 21, of the Philippines will face reigning International Boxing Federation World Minimumweight Champion DeeJay Kriel, 23, of South Africa.
Featuring 11 professional boxing bouts, "Rising Stars" took place at Resorts World Manila in Pasay City, Metro Manila, Philippines on March 23, 2019. It is the first co-promoted boxing event of Ringstar Asia of Scott Patrick Farrell, 47, and MP Promotions of Emmanuel "Manny" Pacquiao, Sr., 40.
In the co-main event of the evening, Salva faced fellow Filipino boxer Rene Mark Cuarto, 22, in an International Boxing Federation Minimumweight title eliminator bout. Teddy Alivio served as the referee.
After 12 three-minute rounds, the bout was left in the hands of the judges. Both Silvestre Abainza and Arnie Najera scored it 116-112 while Gil Co scored it 117-111.
In the end, Alivio raised the hand of Salva, who was declared the winner via unanimous decision. This made Salva still an undefeated boxer with a professional boxing record of 17 wins and 0 loss while Cuarto now has 16 wins, 2 losses and 1 draw.
Pacquiao watched "Rising Stars" live with his wife Jinkee Pacquiao, 40, and their children Emmanuel "Jimuel" Pacquiao, Jr., 18, Michael Stephen Pacquiao, 17, Mary Divine Grace Pacquiao, 13, Queen Elizabeth Pacquiao, 11, and Israel Pacquiao, 4, and Jimuel's girlfriend Heaven Peralejo, 19. They were also with NBA coach Metta World Peace, 39, who was previously known as Ron Artest, and his son Jeron Artest, 18.
Representing RCJ Boxing Gym, Salva is the former Philippines Mindanao Professional Boxing Federation (MINPROBA) Mininumweight Champion. He is trained by Arnold Y. Palafox and managed by Neil Francis Rafael.
Salva made his professional boxing debut on January 31, 2016. Details about his bout against Kriel have yet to be announced.
Competing professionally since April 10, 2014, Kriel has 15 wins, 1 loss and 1 draw. He became the IBF World Minimumweight Champion on February 16, 2019 when he dethroned former champion Carlos Rogelio "Mexicanito" Licona, 24, of Mexico via knockout at the Microsoft Theater in Los Angeles, California, United States.
–conandaily.com
PreviousPrevious post:WILDER: FURY FEARS FOR HIS HEALTH!NextNext post:AIBA SAYS BOXERS "IN LIMBO"


Blade of Queen will undergo an update for S1-S123 to improve and provide better game experience, which starts at 01:00 Mar.7 (PST). This update lasts about 15 minutes after the in-game announcement.
Dark Slate can take in Sacred Gear attributes and offer those attributes to Main Character and all buddies in team, including reinforcements. Sacred Gears can be displayed as appearance.
Player can get Sacred Gear-Broken Sword from system and other Sacred Gears can be obtained from our official event.
*Non-Demonized Units including: Horcrux, Oracle, Numen Arms, Pet and Buddy Non-Demonized Buddy special skill.
In Ascendant Tower, players can use Eidolon Essence and Ascendant Orb to upgrade Cyan Bat Queen to True Cyan Bat Queen.
After becoming True Cyan Bat Queen, her special skill will be upgraded: Special Attack, jump to attack random opponent and the adjacent opponent, increase massive Accuracy for itself, decrease the Melee, Spell and Special Def of opponent for 3 rounds, has a large chance to recast the Queen Dance, increase massive attack and Crit for 4 rounds, 50 Rage remained after using.
Player can pause during battle or battle report to check details of battle.
Change the Arrow Position. The Activity Interface will show next Goal directly after player claiming current Goal's rewards.
When player reached the Goal but forgot claiming rewards, the rewards will be sent through email after event end.
2. Improve the display of Big Shot Dragon Soul Match of Demonized Buddy.
Hera's Big Shot Match is the same as Demonic Hera's Big Shot Match.
1. Fix the reset bug of Spectre Hunting Field Boss Damage Ranking.


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Oxbow Hill Solar
Solar to Power 30,000 NY Homes
First Community Update
NYS COVID-19 Guidelines
Oxbow Hill Solar Presentation
Oxbow Hill Solar One-Pager
Cypress Creek Renewables announced today a $25,000 investment in the State University of New York at Morrisville's Agricultural and Clean Energy Technology Center. The funds provided by Cypress Creek will be used to endow a scholarship to benefit students pursuing careers in the renewable energy field.
On Thursday, Oct. 21, SUNY Morrisville held its grand opening celebration for its new Agricultural and Clean Energy Technology Center. Cypress Creek's investment will be used to form and start the development of a scholarship for a student looking to earn a Renewable Energy degree from the college.
Theresa Kevorkian, Executive Director of the Morrisville College Foundation, said the school will continue to seek donation and will create a permanently endowed scholarship. She was grateful for Cypress Creek's investment into this scholarship and the students.
"It's the definition of sustainability, just like renewable energy," she said. "Approximately 55 percent of Morrisville students are Pell (grant) eligible, one of the largest percentages in the SUNY System, meaning our students come from families of very limited financial means. This scholarship will enable a student to attend Morrisville that likely would not have been able to otherwise."
Kevorkian said that at Morrisville, especially in the Renewable Energy program, "students' study for applied degrees that prepare them to launch into their career the day they graduate."
"They are an asset to their employers from their first day on the job because they have been trained in industry best practices," she said. "They will leave Morrisville and go on to serve their community and promote this burgeoning industry while also making a life for themselves and their family that would otherwise have been unobtainable."
Cypress Creek Renewables is a leading solar and energy storage company. The company has developed 39 projects across New York state. Cypress Creek is currently developing both distributed generation and utility-scale solar projects, such as the Oxbow Hill Solar Project. This partnership is part of Cypress Creek's workforce development initiative, working to strengthen the renewable energy workforce through an investment in job training and development.
"We congratulate SUNY Morrisville on the opening of the Agricultural and Clean Energy Technology Center, and we are proud to support students pursuing degrees that are needed in the energy transition," said Noah Hyte, Executive Vice President of Development, Cypress Creek Renewables. "We look forward to continue our work with SUNY Morrisville and the organizations across New York that provide training for New Yorkers to get jobs in renewable energy field."


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Becky Sauerbrunn, Lori Chalupny
Becky Sauerbrunn #22 of the Washington Freedom goes for a header with Lori Chalupny #17 of St. Louis Athletica during a WPS match on May 1 2010, at RFK Stadium, in Washington D.C. Freedom won 3-1.
Photographer: Tony Quinn
Created: 2 May 2010	 Size: 3000x2400 / 738.0KB
View This Image's Galleries: Washington Freedom vs Saint Louis Athletica May 01 2010
Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010Washington Freedom vs Saint Louis Athletica, May 1, 2010


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Home › Smack Zone › Sports Parody T-Shirts
Smack Zone — Sports Parody T-Shirts
Rivalry Stories: Everyday Heroes of Smack Talk
Every fan has an origin story to tell. Sometimes the passion for a particular team is inherited. Geography often plays a role. Rationality rarely comes into play. Logic is laughable. Why do you love the teams you love (and love to hate their rivals)? Sometimes, the answer is as simple as, "Because I always have. And I always will." Smack Zone asked five writers and passionate sports fans to share their fan origin stories this week. All five articles are live as of this morning, and we encourage you to check them out. All of the writers are conducting a giveaway of one Smack Apparel t-shirt of the winner's choice. Enter all five sweepstakes, and you could win five shirts! In addition, all five will co-host the first Smack Zone Twitter party with us on Tuesday at 8 p.m. ET. It will be an hour of smack talk and fun, with $200 in Smack Apparel gift card giveaways. To participate in the Twitter party, follow us on Twitter (@SmackApparel) and use the hashtag, #SmackZone. Here are our writers, with links to their great stories: Jeff Bogle lives near Philadelphia and is the publisher of Out With the Kids. He tells a tale of his love for Michigan State, and what it means to share that passion with his family, in his piece, "A Sometimes Confusing Passion for Sports." Aaron Gouveia lives near Boston and is the publisher of the Daddy Files. He is, shall we say, more than a bit fixated on New England sports (particularly the Patriots). He sheds some light on that unique brand of sports madness in his post, "Sports Rivalries: Why It's Fun to Hate Other Teams." Creed Anthony of Tales From the Poop Deck lives near Indianapolis but is a lifelong fan of the Cleveland Browns. He tells us why even a college career spent in enemy territory (Pittsburgh) couldn't sway his allegiance in his piece, "A Misunderstood Rivalry." Calley Brewer Pate lives near Tampa and publishes the popular environmental and lifestyle blog, the Eco Chic. Her piece, "College Football is the Yin to my Yang," tells of her family's undying devotion to the Georgia Bulldogs. Whit Honea lives in Southern California and publishes the website, Family Life on Earth. He writes lyrically about his long-time passion for University of Arizona sports in his piece, "Of Smack, Bear and the Things We Down."
Tell us your fan origin story in the comments. We want to know how and when and why you began to love the teams you love. And be sure to join us Tuesday at 8 p.m. for the #SmackZone Twitter party!
The 4 Greatest Legends of Sports Smack Talk
They are the legends of smack. Sports figures who talked as good a game as they played or coached. Greats who told you what they were going to do; did it; then told you all about it. If there were a Sports Smack Hall of Fame, these guys would be elected on the first ballot. Their mugs would adorn the Mount Rushmore of Smack: Muhammad Ali. Dizzy Dean. Michael Jordan. Steve Spurrier. Oh, we know. There are many others who have raised trash talk to an art form over the years. You might prefer four completely different smack talkers, and who are we to argue? Well … We are Smack Apparel, the nation's leading sports parody apparel company. We've been around since 1998. We make t-shirts for fans who love their teams -- and love to hate their rivals. And this? This is Smack Zone, our new blog dedicated to all things smack talk and sports passion. Check in daily for stories, videos, fan contests and a few surprises along the way. We wanted to kick things off today with a tip of the cap to the smack masters. After all, what would modern-day smack talk be without the breakthrough moments of trash talk engineered by pioneers like Ali, who gave us this all-time epic piece of smack moments after he defeated Sonny Liston in 1964: [youtube https://www.youtube.com/watch?v=BY6_3Y7OOo8] Come on, who's better than Ali? No one. He was correct: He is the greatest. But he shares the stage with many. For instance, where would we be today if Hall of Fame pitcher Dizzy Dean hadn't vowed that he and his brother, Paul, would combine for at least 45 pitching victories for the 1934 St. Louis Cardinals? That was a big promise, and sure enough: They won 49 together that year. Dizzy remains the most recent National League pitcher to win 30 games in a season. It was Dizzy Dean, during his later career as a broadcaster, who gave us one of the all-time truisms of smack talk: "It ain't bragging if you can back it up." And who could dish it out better than His Airness? The greatest basketball player of all time also might have been the cockiest. Pity poor Craig Ehlo. The Cleveland Cavaliers All-Star drew the unenviable task of trying to guard Jordan late during a memorable game on March 28, 1990. All Jordan did that day was drop a career-best 69 points – including a sequence of plays when he informed Ehlo exactly what moves he would make and where he would shoot from, then did it. According to Ehlo, Jordan didn't even sound a bit malicious when he said, matter-of-factly: "You know you can't stop this." Then there's the Ole Ball Coach. Steve Spurrier loves what he calls "Talkin' Season," and few have used the slow summer months to better verbal advantage. Remember, you still can't spell Citrus Bowl without UT. Spur Dog has a special place in our hearts here at Smack Apparel. You see, our founder and Smack Talker in Chief, Wayne Curtiss, went to Florida State. Our very first shirt was conceived when Wayne thought about that old saying by cowboy performer Will Rogers: "I never met a man I didn't like." [caption id="attachment_862" align="alignleft" width="300"] The very first Smack Apparel t-shirt: an homage to one of the masters of smack, the Old Ball Coach himself.[/caption] Well, thought Wayne. Will Rogers never met Steve Spurrier. And there we had it: our first article of Ready-to-Wear Smack Talk. It was, and remains, a Smack Apparel classic. Who else deserves a spot alongside our four greatest smack talkers of all time? A few potential candidates come to mind: Joe Namath, Deion Sanders, Richard Sherman, Deacon Jones, Warren Sapp, Sean Avery, John Randle, Shannon Sharpe, Chad Johnson, Gary Payton, Floyd Mayweather, Satchel Paige, Terrell Owens, Reggie Miller, Ray Lewis, Mike Tyson, Larry Bird, Steve Smith, A.J. Pierzynski. And so many other legends. We'll get to them all soon enough. Meanwhile, welcome to Smack Zone. We're glad you could make it. Hang on … it's going to be a great ride.
Coming tomorrow: As we continue to celebrate the launch of Smack Zone and the kickoff of football season, come with us behind the scenes as founder Wayne Curtiss shows you how we do what we do at Smack Apparel. And be sure to follow us Twitter, Facebook and Instagram for a constant stream of smack throughout the day! [caption id="attachment_864" align="aligncenter" width="266"] Rosemary and Wayne Curtiss welcome you to Smack Zone. We hope you enjoy wearing our t-shirts as much as we love making them for you![/caption]


Our story begins with Luigi Compiano the heir to an Italian dynasty called "North East Services" that operated a fleet of armored trucks used to transport cash, gold and other valuables around Italy. Compiano had inherited his family's private security companies in 2010, with hundreds of employees and dozens of trucks, giving him access to millions of €uros of what is politely called "other people's money". In a brazen Ponzi scheme that would have impressed Bernie Madoff, Campiano used "other people's" bank and VAT funds held in trust to buy an astounding collection of villas and holiday homes, 420 plus cars, 150 plus motorcycles, 140 odd bicycles, 50 plus boats and racing hydrofoils, bobsleds and rooms full of automobilia. Fortified with pockets full of cash, Campiano was well known to the classic car dealer network, traveling from his base in Treviso to Modena and Milan to buy multiple cars, or boats, or bikes, in cash, every week. While all serious collections have a theme or continuity, Compiano's collection consisted of what-I-bought-today including 34 Alfa Romeos; 45 Ferraris; 62 Jags; 31 Lancias; 23 Maseratis; 68 Porsches and much, much more.
The party ended in December of 2013 when the Guardia di Finanza (Italian Financial police) confiscated the collection for tax evasion and VAT fraud. While the complex case drags through the courts and the dynasty that was "North East Services" is no more, various reports state there was 20m €uro plus missing from the company's vaults.
To get the rights to the auction RM Sotheby's had to give a guarantee to the Guardia di Finanza that was rumored to be in the 15M €uro range. The massive collection had been stored by the Guardia di Finanza in 11 warehouses near Treviso and required 100 transporters to transport them to Milano for the auction. RM Sotheby's global team of 9 people from 4 countries spent 21 days to identify, document, photograph and catalogue the collection then printed and mailed out thousands of catalogues in only 10 weeks. When the collection was finally assembled in Fiero Milano, it covered 200,000 square feet - the equivalent of 4 football fields with 817 lots in total on offer. In a brilliant marketing move, RM timed the auction to coincide with the massive Milano AutoClassica Classic & Sports Car Show, which normally draws 10,000 visitors and is Italy's version of France's Retromobile and Germany's Techno-Classica. Listed as Duemila Ruote (which means two thousand wheels), the RM Sotheby's event represented the largest automotive-themed auction ever held in Europe.
On Thursday I was at the auction preview to inspect 18 different cars for 7 different clients, but with 400 plus cars spread over 4 football fields, at let's say 5 minutes per car to make notes and take photos, one would need 3 plus long working days to perform a brief inspection of every car. I quickly walked the rows, inspected, made notes and photographed only the cars clients wanted me to bid on, which took three hours, before heading for registration. RM Sotheby's registered more than 5,000 bidders for the event, resulting in long lines and multi-hour waiting times at the registration desk—something I have never seen before. While the average RM auction draws about 1,000 bidders, the RM staff on site said there were 4,000 registered bidders in the room and another 1,000 registered internet and phone bidders from over 50 countries. Just over 80% were first-time clients to RM and 50% of those were Italians, plus bidders from Russia, Brazil, Turkey, the Middle East and Asia. With many "modern classics" on offer, about 50% of participants were under the age of 50.
With 800 plus very diversified lots on offer; all at no reserve and many with absurdly low estimates; all as part of a single bankruptcy auction; thousands of over-eager buyers came from far and wide in the hopes of getting a bargain in this bankruptcy auction, but it was not to be. From Friday the 25th to Sunday the 27th a group of 5 multi-lingual auctioneers rotated on the auction block, giving an average of only two or three minutes time to each lot, over 30 very-fast-paced and grueling hours, to sell the 817 lots. In addition to the mass of bidders on the floor, there were a staggering 1,000 plus internet bidders, and some lots involved over 20 active telephone bidders. I've never seen this level of competitiveness or animal-energy at an auction.
As my wife noted, the energy level in the room was off-the-charts and many bidders were emotionally carried far from reality once the frenzied bidding started, blowing past their preset limits. Many also seemed to forget that there was a commission of 12% to be paid on top, plus 22% Italian VAT on the commission, making for a 14.4% commission. Additionally, EU residents had to pay the 22% Italian VAT, so the prices paid were actually much higher than indicated in many cases! Although RM Sotheby's description in both Italian and English in the newspaper-style catalogue was very clear, many bidder's egos exceeded their wallets, and many had temporary amnesia regarding the commissions and VAT that was due. Rather than a legal battle with those bidders, RM Sotheby's made use of the fast pace and length of the auction to re-offer multiple cars later. Additionally several lots that were sold to online bidders were later re-offered.
It must be pointed out that these were a hoarder's cars, not a carefully maintained and exercised collection. They had been bought, squirreled away in warehouses and parked with minimal attention for years. Most of the cars were in poor or very poor condition and many may have title issues, yet over the course of three days, before a packed house at the Fiero Milano, and thanks to a never-seen-before number of buyers, an incredible 51m €uro or $54.85m USD was hammer sold!
At the top end of the sale, an over-eager buyer from Australia purchased 1966 Ferrari 275 GTB/6C Alloy s/n 8311 for a market and reality defying 3,416,000 €uro or $3,623,000 USD; 2004 Maserati MC12 sold to an Italian for another market and reality defying 3,024,000 €uro or $3,207,255 USD and an Asian buyer bought Lancia LC2 s/n 009 for a new record price for a non-Martini-car of 851,200 €uro or $906,528 USD. Needless to say these prices did not include the EEC's 22% VAT; far exceeding both their high estimates and the current market value and could only have been achieved on this weekend, at this auction, thanks to thousands of passionate but inexperienced bidders.
Further down the Ferrari food chain Euro model F40 s/n 91464 with many non-factory add-ons sold for 1,030,400 €uro or $1,107,680 USD; plexi-glass covered headlight Daytona s/n 12905 sold for 873,600 €uro or $939,120 USD; 246 GT Coupe s/n 4924 sold for 358,400 €uro or $385,280 USD and 250 GTE body and chassis s/n 3081 (with no engine or trans) sold for 162,400 €uro or $174,580 USD. All were, at best, very average cars and all sold for far over the current market prices, thanks again to the particular mix of bidders at this auction.
Of the 45 Ferraris on offer, only 365 GTC/4 s/n 15993 which sold at 308k €uro or $331,100 USD; F512M s/n 101461 (with 38,507 kms or 23,874 miles) which sold for 224k or $240,000 USD; 550 Maranello s/n 111251 which sold for 117,600 €uro or $126,420 USD and 575M Maranello F1 s/n 129840 which sold for 103,040 €uro or $110,768 USD were at market-correct prices, and only because no lack of similar cars were readily available on the market.
I was at the auction to bid on 18 cars for 7 different global clients, including the F40, the MC12 and the Lancia LC2. Each client was willing to bid to the high estimates or more, some much more, but we were absolutely blown out of the water on every bid. As Dutch dealer Paul Koot noted on Facebook, "Once I had my bidding number out of my pocket, the auctioneer was already at double the offer I wanted to make...." The only consolation was that it was a great chance to meet with the European dealer network, the bar was open and the espresso was flowing freely!
While in Modena and Maranello for several days after the auction, several of the local shop owners mentioned that Luigi Compiano had been in their shop on Monday, so Campiano is certainly not in jail. Several Italian dealers explain that he has to go through three courts, one in his home town, then one for his region and then a third Federal court before he could be convicted so he was not going to be in jail any time soon.
But has the market changed?


text:
Fakes on LinkedIn: 1000 Chinese SpaceX Engineers That Never Were
amerbekic News 14. Sep 2022. 5 Minutes
Some bizarre scams are now happening on LinkedIn. Most recently, people pretended to be employees of well-known tech companies.
(Image: PK Studio/Shutterstock.com)
Actually, the LinkedIn page looks quite normal. Mai Linzheng introduces himself as a top-notch engineer with a bachelor's degree from Tsinghua University, China's top university, plus a master's degree in semiconductor manufacturing from UCLA. He then started a career at Intel and KBR, a space company, before finally ending up at SpaceX in 2013. After spending the last eight years and nine months helping humanity on future space trips, he is now said to be the chief engineer there.
Too bad it's not all true. Because on closer inspection there are a lot of "red flags": Although Mai has lived in the USA for 18 years, he has described all his job titles, degrees, and company locations in Chinese. And he has a bachelor's degree in business administration, although his alma mater, Tsinghua, only offers that degree to varsity athletes — and Mai wasn't one. In addition, the man looks younger than the stated age in his profile photo. As it turns out, the picture was stolen from Korean influencer Yang In-mo on Instagram. Because: None of the information on this profile page is true.
"Mai Linzheng's" account is actually one of perhaps millions of fraudulent sites that have now been set up on LinkedIn to dupe users. This often involves cryptocurrency investments that are wrong. People of Chinese descent around the world are the target audience. Scammers like Mai claim that they are from reputable universities and companies to increase their credibility before contacting users, establishing a relationship, and trapping them financially.
Since last year, such activity on LinkedIn has steadily increased after years of spreading to other social media platforms and dating apps. In the second half of 2021, LinkedIn removed 7 percent more profiles for fraudulent activity than in the previous six months, according to Oscar Rodriguez, LinkedIn senior director for Trust, Privacy, and Equity.
LinkedIn as a source of financial fraud
"Cheaters are very sophisticated and proactive when it comes to adjusting their tactics," he says. For example, a week after the US government under President Biden announced a new student loan forgiveness plan, LinkedIn scammers began using it for their scam.
Meanwhile, victims have lost millions of dollars to scams that originated on the platform. This summer, the FBI announced it was finally investigating the scams on a large scale, working with victims to identify perpetrators and disable their accounts — even if the financial losses are nearly impossible to recover.
Scammers are "always thinking of new ways to rip off people and businesses," Sean Ragan, the FBI's San Francisco and Sacramento official in charge of the matter, told CNBC in June. "They really spend their time doing their homework, defining goals and strategies, and determining appropriate tools and tactics." The work of these criminals is a "significant threat".
A SpaceX "employee" invites to make the connection
At one point in July, there were over 1,000 LinkedIn profiles of people claiming, like "Mai Linzheng," to have a degree from Tsinghua University and to work at SpaceX. This staggering number even prompted patriotic Chinese influencers to lament the brain drain and accuse college graduates of disloyalty to their country.
This caught the attention of Jeff Li, a Toronto-based tech influencer and columnist for the Financial Times China. He discovered a total of 1,004 Tsinghua graduates while searching for SpaceX employees on LinkedIn on July 11 – making the alumni group the largest at the company. However, many accounts he found stated the exact same education and work experience, suggesting someone was mass-creating fake profiles.
"They all graduated from Tsinghua and then went to the University of Southern California or similar well-known universities," says Li. "Also, they all worked at a certain company in Shanghai. Of course, I suspected that they were fake and probably computer-generated data." (SpaceX didn't respond to an inquiry from MIT Technology Review about how many Tsinghua graduates actually work there.)
This wasn't the first time Li had spotted fake LinkedIn accounts. In late 2021, he came across profiles with fewer than a few dozen connections — a rarity for true LinkedIn users — and with profile photos that consistently featured handsome men and women that were likely stolen from other sites. Most appeared to be of Chinese descent and said to live in the United States or Canada.
What the LinkedIn scammers are exploiting
Around the same time, Grace Yuen, spokeswoman for the Global Anti-Scam Org (GASO), a volunteer group that tracks pig-butchering scams, became aware of the phenomenon. Scammers involved in this practice, which began in China back in 2017, create fake profiles on social media or dating websites, contact victims, establish virtual and often even romantic relationships, and persuade victims eventually to invest their wealth. The scammers themselves came up with the name "slaughter of pigs," comparing the intense and lengthy process of gaining victims' trust to fattening a pig before slaughter.
As China cracked down on online fraudulent activities in recent years, these operations have now shifted to people outside of China who are of Chinese descent or speak Mandarin. GASO was founded by one such victim in July 2021 – and the organization now has nearly 70 volunteers across multiple continents. While LinkedIn fake accounts are relatively new, they have been around for a long time on other platforms. "The scammers started moving on LinkedIn after dating sites like Coffee Meets Bagel and Tinder tried to crack down on them," says Yuen. In a way, LinkedIn is a great way for scammers to expand their reach. "
A scammer on LinkedIn may try to contact someone about a shared work experience, a shared hometown, or a feeling of living in a foreign country. Over 60 percent of the victims who have contacted GASO are Chinese immigrants or have Chinese ancestry – which the scammers exploit to incite nostalgia or a desire for connection. Fake claims of having degrees from China's top universities, which are notoriously difficult to get admitted to, also earn the scammer's respect.
Huge casualties among Chinese citizens
While the scams targeting Chinese nationals are not the only type of scam to appear on social media platforms like LinkedIn, they are exceptional in terms of the amount of financial loss they have caused to date. GASO interviewed 550 victims and calculated an average loss of $52,000 per person. In comparison, the average financial loss from all types of fraud in the US in 2021 was $500 per person, according to the US Federal Trade Commission (FTC).
And LinkedIn victims in particular lose more money on average than scam victims on other platforms — sometimes as much as $1 million, Yuen says. "Unlike dating websites, which are where the first scam victims came from, LinkedIn has a lot of information that is really useful to scammers," she says. "You'll see your earning potential based on the type of work that users have reported."
SpaceX Engineers
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Matched game at San Mamés that Koke opened early, Lekue tied, De Marcos unbalanced and a brilliant goal from Griezmann drew the match against Athletic.
Athletic: Iraizoz; De Marcos, Bóveda, Laporte, Balenziaga; San José, Iturraspe (Mikel Rico, 89'); Lekue, Raúl García, Muniain (Susaeta, 83'); and Williams (Villalibre, 83').
Atlético de Madrid: Moyá; Vrsaljko, Giménez, Godín, Filipe Luis; Koke, Saúl, Gabi (Fernando Torres, 57'), Carrasco (Gaitán, 65'); Gameiro (Correa, 65') and Griezmann.
Referee: Iglesias Villanueva (Committee from Galicia). Booked the home players Williams (36') and Iturraspe (62'); and the visiting Gabi (47'), Carrasco (64') and Giménez (92').
0-1. 3'. Koke crosses to Griezmann but the ball surprises Iraizoz without the Frenchman touching it.
1-1. 42'. Lekue receives at the top a pass from Williams and beats Moyá after hitting the crossbar.
2-1. 56'. De Marcos heads into the net after a cross from Raúl García from the right.
2-2. 80'. Griezmann receives a pass from Torres at the top and finishes close the right post of Iraizoz.
The match began strong at San Mamés, thanks to our team's first goal on three minutes. Athletic was surprised but tried to recover as time went by. Raúl García made trouble for Moyá in the 18th and Carrasco almost scored the 0-2 but his shot was cleared at the half hour point. And, in 42', the tie came with a play from Lekue.
After the break, De Marcos put Athletic ahead after Raúl García's cross. Simeone decided to put Torres, Gaitán and Correa into the game, almost at the same time, to turn the match around. And the truth is that Atlético's presence was noted in the Basque area until Griezmann's brilliant goal tied the game. A result that did not change despite the attempts, especially ours, which surrounded Athletic's goal until the end without succeeding in scoring the third goal.


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There are many reasons why you should look into getting a VPN subscription. The biggest one, is being able to use services that aren't available, or blocked in another country. For instance, if you travel to China a lot, or just travel a lot period. One good example of using a VPN is last week when I was in Barcelona. I couldn't use Sling TV since it's not available in Spain. But if I had a VPN, I could have used it.
Right now you can get a lifetime subscription to VPN Unlimited for just $39. Which isn't a bad price at all, seeing as the normal price is $130, that's about 70% off the regular price. You can grab VPN Unlimited through the Android Headlines Deals Store here.


Corteva offers the best in seed technology with hybrids and varieties designed to succeed. Locally tested, locally proven, we have what you want.
We are committed to bringing you the most advanced crop protection products available. No matter what the crop or the problem, we have a solution.
Corteva Agriscience is the only major agriscience company completely dedicated to agriculture. That means we're dedicated to you. Our priority is your success because when producers thrive, our world thrives.


There are a seemingly endless number of ways you can communicate, both professionally and personally. We are constantly investigating and learning about new "best pratices" for harnessing the greatest potential of channels like print, webinars, blogging, Twitter, podcasts, LinkedIn, etc. Collectively we engage at least dozen of these channels on a daily basis and when not using them directly we're researching how they can best be used [combinations, applications, etc] from a marketing & business development perspective. Whether you are in need of a multi channel communication strategy or need a simple introduction to the ever expanding list of options for communicating your message let us know how we can help.


Stunning swirls of sequins, pearls, and Swarovski crystals adorn lace appliqués on this alluring bodysuit, featuring embellished straps, scoop neckline, and low back. Lined with Rivie jersey. Finished with zipper closure.


For about 3 hours i have been working on this line that stretches for about 1-2kms (at the moment) long.
This second shot is looking in the oposite direction from the first photo.
Looks good for only 3 hours.
I'm also looking for narrow gauge crossings. I have the 760mm crossings by Michael-h (did I get that right?) but still need 1067mm.
You might try the 760mm and see if they look better than standard gauge. It's only a 6inch scale difference.
For a name, I'll suggest "Rio Verde". I'm lousy at coming up with names, but at least it's Spanish.
Thats exelent. I love "Rio Verde". This thread shall bow be know as Rio Verde. And as for those level crossings, I'll check for them.


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Country Squire furniture store in Agawam going out of business
The Republican Newsroom
Photos by Mark M. Murray / The Republican
Country Squire Furniture, seen here at 159 Main St., Agawam, is closing after 52 years because of increased competition and the depressed economy.
By JIM KINNEY
jkinney@repub.com
AGAWAM - In the face of poor consumer spending, a down housing market and changing tastes, Country Squire Furniture will be closing its doors here after more than a half century in business.
"The economy didn't help, but it wasn't the reason," owner Martha L. Trevallion said Monday. "The furniture market has changed drastically in the past five to eight years, with the discount retailers and chain stores moving in and a lot of the production going offshore. Suddenly our business model didn't work as well."
Its sister business, Cooper's Curtains & Gifts Country, located on the same property, will remain open.
Martha Leary Trevallion, president of Country Squire Furniture on Main Street in Agawam, is preparing for an upcoming oing-out-of-business sale.
The business focused on American-made, solid wood dining room, living room and bedroom furniture, Trevallion said. But tastes have changed and consumers are hunting bargains, she said.
"Our customers buy furniture for major events in their lives - buying a new house, getting married, having a baby," she said. "It's not just filling a room with furniture. That's not what we do."
Country Squire will host an invitation-only clearance sale at its 159 Main St. store Tuesday through Thursday. It will be followed by a public liquidation sale, Trevallion said.
Country Squire is expected to close permanently in a few weeks once the $1.5 million inventory is gone, she said.
Cooper's Curtains & Gifts is owned by Trevallion's sister, Kate M. Gourde. The family owns the building.
"There is a possibility that Cooper's may move to the front of the building. If not, we will look to lease the space to another business that makes sense," Gourde said.
In December, Springfield mainstay Kavanagh Furniture Co. closed after 135 years. Kavanagh still has a La-Z-Boy Showcase and Slumber Shops store in West Springfield, and a store in Latham, N.Y.
At the time, Kavanagh executives placed part of the blame on the poor housing market, citing a statistic showing people typically buy new furniture within six months of moving to a new home.
Trevallion said her father, Arthur J. Leary Jr., started Country Squire 52 years ago. His father was also in the furniture business.
"My sister and I are third-generation furniture people," she said. "My father always used to say that the demand for what we sell never changes, but people's ability to pay for it does."


text:
Coronavirus: WHO deploys experts to support Nigeria's response plan
By healthwise
An official of the World Health Organisation, Dr. Dhamari Naidoo, says the agency has deployed a team of experts to support Nigeria's response plan on coronavirus.
Naidoo, WHO's Nigeria Technical Officer in Health Emergency Programme, said this at a meeting to build the capacity of journalists on how to report coronavirus on Friday in Abuja.
She said WHO had been supporting countries globally, especially countries with high risk of importing the virus.
According to her, the risk of importing the virus is high in the country recognising that Nigerians travel frequently to China.
"WHO has deployed the experts from Africa to support us for two weeks to ensure that our plan and preparedness is complete and on point.
"As at Jan. 31, Coronavirus Inter-ministerial Preparedness and Response Committee was conveyed by the Minister of Health and he inaugurated a committee to develop an Action Plan.
"The focus of the committee is to ensure that our points of entry have sufficient capacity to monitor in-coming travellers.''
The official told the journalists that the focus was on nine states, hosting ports of entry both by air and water.
"The nine states are: Abuja, Lagos, Kano, Cross River, Akwa Ibom, Port Harcourt, Enugu, Delta and Balyesa.
"That is our main priority now; within Nigeria Centre for Disease Control (NCDC) which we are supporting, we have activated the coronavirus preparedness working group and the group has been working in the past two weeks.
"We are also working to ensure that the Inter-ministerial committee has the capacity to provide patients care and diagnostic capacity,'' she said.
Speaking on Africa, Naidoo said that WHO risk assessment was high in the continent because of its close ties with China and other Asian countries.
" What the continent is currently implementing is out of screening and out of the point screening at the major international ports to detect any potential of importation.
" The regional has made considerable progress in preparing and one way we have been doing it through preparing for influenza pandemic.
`These are the systems that have been put in place for countries to detect and monitor any outbreak of respiratory disease.
" Countries for the past 10 years have been preparing for this, the systems are functional in the continent,'' she said.
According to her, one of the main key components in the preparedness is laboratory capacity or diagnostic capacity.
" One way in which WHO is supporting is through procurement of diagnostic kits, this week, we have provided 20 countries with diagnostics capacity.''
Naidoo, however, called on journalists to study the technical terms used in reporting the virus to guide against misinformation.
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Celebrity Justice
Prince Sued by Hs Former Lawyers
By James Norwood on March 03, 2011 9:14 AM
This is what it sounds like... to be sued by your lawyer. -- "When Doves Cry," the Litigation Remix.
Music fans may be surprise to see headlines like "Prince Sued by Former Lawyers." On the other hand, so many superstars are being sued these days, maybe not.
Pop star Prince, real name Prince Roger Nelson, is being sued by the New York law firm of Patterson Belknap Webb & Tyler (PBWT) for $700,000 in legal fees according to CBS News.
PBWT, who represented Prince in his divorce from wife Manuela Testolini, claims the singer failed to promote his fragrance in Ireland and allegedly backed out of a concert in California, and on a security deposit on a Beverly Hills mansion.
The law firm alleges that Prince only paid $125,000, and still owes $700,000. If somebody owes an individual or a business a debt, they may find relief in court. Depending on the debt, a plaintiff could sue in small claims court if the debt is less than $5,000 depending on the jurisdiction. Or, if the debt is greater than $5,000 (say, oh $700,000) a plaintiff can turn to the superior court. In New York, the limit is $7,000.
Since Prince is being sued for $700,000, he will be in Manhattan's Supreme Court. Non-lawyers are often confused by the name. It's not a Supreme Court like the United States Supreme Court. In New York, the Supreme Court is a trial court of unlimited jurisdiction, meaning there is no limit on the amount of damages that in a case that can be heard by this court.
As Prince's former lawyers will tell you, winning the case in court is only half the battle. Collecting is the tough part. For example, if the defendant has no money or assets you may not be able to collect your money. As the saying goes, you can't squeeze water out of a rock. However, to have the best shot at collecting a judgment a plaintiff should:
file and record the judgment at the county recorder's office where the property is located
request an Order for Debtor's Examination
submit a Writ of Attachment, Writ of Garnishment or Writ of Possession and have the writ served the person controlling the property
if there is a bank account, serve the bank manager with a writ of execution
file a Satisfaction of Judgment form with the court
Digest: Prince Sued For $700,000 (Rolling Stone)
Purple Rain Artist Prince sued by Lawyers (Fox News)
Prince Sued by Law Firm Over Unpaid Legal Fees (Monters and Critics)
6 Ways Your Business Can Collect Unpaid Debt (Findlaw.com)
Filing a Lawsuit: Should you Sue? (Findlaw.com)


text:
A Snow White Christmas é uma versão musical do conto de fada Branca de Neve, com o roteiro escrito por Kris Lythgoe. A primeira apresentação ocorreu em 2011 no El Portal Theatre em North Hollywood. Foram incluídas no musical músicas de Katy Perry, Bruno Mars, Michael Jackson, The Village People, Britney Spears, Lady Gaga e Hall and Oats. Assim como outros musicais do estilo pantomima, o espetáculo inclui magia, dança, canto, teatro, audiência interatividade e segmentos sing-a-long.

Produções
O primeiro espetáculo foi produzido em 2011 no El Portal Theatre em North Hollywood, estrelando Lindsay Pearce, Erich Bergen e Marina Sirtis. Ele recebeu críticas positivas. A segunda apresentação aconteceu em dezembro de 2012 no Pasadena Playhouse, estrelando Ariana Grande, Curt Hansen e Charlene Tilton. O musical novamente recebeu críticas positivas. Em 2013, foi realizado no Rose Wagner Theatre em Salt Lake City, estrelado por David Osmond e Amy Whitcomb. Novamente, recebeu críticas positivas.

Musicais de 2011

redpajama_set_name: RedPajamaWikipedia


Chiquita Hill of Columbus, Georgia had her 10-year old "mock arrested" by the police. They came to her son's school and handcuffed the fifth grader for misbehaving in school, not doing his homework, and being rude to his teacher. All of her efforts to correct his behavior had failed, so she decided to take these drastic measure while he was still young and impressionable. Mama wanted to teach him that his actions have consequences.


This window box will embellish your windows, without needing lots of water. It will set the tone for the upcoming season with simplicity.
UGS : mediterranee-en. Catégorie : Window boxes.
Soyez le premier à donner votre avis "Mediterranean" Annuler la réponse.


Monday, March 11–Drill Day (The cadets demonstrated their skills for the student body during both lunches).
Everyone who participated had a great time! We can't wait to see what next year brings during MC JROTC Week 2020!


Student evaluation of teaching instruments (or "SETs") are used extensively despite considerable resistance from faculty. This resistance is surprising given extensive research which seemingly supports SET use for counselling and evaluation. A reason for this resistance is suggested, arguing that the current debate concerns academic values thus resistance will not be overcome by more or "better" data .


text:
MainAll NewsFeatures'Putin is serious about forcing Iran out of Syria'
Michael Oren:
'Putin is serious about forcing Iran out of Syria'
Russia has mutual interest with US and Israel in ultimately removing Iranian forces from Syria, says Dep. Min, ex-ambassador Michael Oren.
Tags: Barack Obama Donald Trump Iran Israel Michael Oren Vladimir Putin Russia Syria
David Rosenberg , Jul 17 , 2018 1:18 PM
MK Michael Oren
Miriam Alster (Flash90)
While critics of President Donald Trump blasted his meeting with Russian President Vladimir Putin on Monday, both President Trump and senior Israeli leaders seemed optimistic that the closed-door meeting in Helsinki, Finland may have yielded important strategic understandings between the world's largest nuclear powers regarding one of the most explosive geopolitical issues.
Pundits, Democratic lawmakers, and even some Republicans excoriated President Trump over the meeting, claiming the president walked away from the two-hour meeting with Putin empty handed.
"President Trump proved not only unable, but unwilling to stand up to Putin," Senator John McCain (R-Az.) said in a statement Monday.
Others, including Senator Lindsey Graham (R-SC) warned that Putin was unlikely to help the US and Israel in removing Iranian and Hezbollah forces from Syria a key goal of Israel. Leaving the Assad regime in place – a Russian demand – would invariably mean retaining Iranian Revolutionary Guard forces in Syria, Graham said in a veiled criticism of Prime Minister Binyamin Netanyahu.
The president, however, appeared confident that he had secured "good conclusions" with Putin during the meeting, which would improve security in the region and benefit Israel.
"We came to a lot of good conclusions. A really good conclusion for Israel, something very strong."
Prime Minister Netanyahu also expressed satisfaction with the results of the meeting, saying he was heartened by commitment to Israel's security expressed at Helsinki.
Despite suggestions that the apparent agreement vis-à-vis Syrian and the future of Iranian forces deployed there will have little practical impact, Deputy Minister in the Prime Minister's Office and former Israeli Ambassador to the US Michael Oren (Kulanu) suggested that there is in fact reason for Israel and the Trump administration to be optimistic.
While Russia in the past has endorsed the removal of Iranian forces from the Israeli border, the Kremlin could also become an integral partner in the effort to remove Iran's Revolutionary Guard and allied Shi'ite militias – including Hezbollah – from Syria entirely.
"There is definitely reason to be optimistic that President Trump's meeting with Putin will influence Russia to work to stabilize the region, and end Iran's military presence in Syria," Oren said in an interview with Arutz Sheva.
"I think Putin can and will play a role in what is Israel's ultimate goal - removing Iranian and Iranian-allied forces from Syria completely. Not from just the frontier area near Israel's border, but the full withdrawal of Iran's forces from Syria."
Ultimately, argued Oren, it is in Russia's own interests that Syria be rebuilt without the presence of Iranian military forces – something which could impair the Assad regime's efforts to maintain stability once the civil war has ended.
"I think there is now emerging something of a confluence of interests. At early stages in the Syrian civil war, there was a division of labor, if you will, between the different forces in Syria, with Russia providing the airpower, and Syria and Iran providing the boots on the ground.
"Now, however, with the war in Syria winding down, I think Putin is seeing that it is also in his interests to pull Iranian forces out of Syrian territory.
"The Russians have an interest in stabilizing Syria. They want to start the process of reconstruction. Our message to the Russians is: As long as Iran is working to establish itself militarily in Syria and to transform our Syrian border into an actively hostile border, then there will never be stability in Syria.
"Just withdrawing Iranian forces from the Israeli border is not very helpful when the army has rockets that can be launched from a distance of 200-300 kilometers. That is the major Iranian threat in Syria. Simply removing Iranian forces from the border will not suffice."


I just met an amazing Navy Seal spouse who was so inspiring! She was married to a Seal and when he passed away in the line of duty, she became a single mom. Years later, she married another Navy seal and today, she helps spouses cope with the lifestyle, demonstrating the incredible resilience that is necessary to be the family member of an elite military force. She's a hero at home.
As I spoke with this commander's spouse, she indicated that one of the main areas that impact military readiness is financial readiness. Here are a few quick tips on ways to be healthier financially. If you haven't taken advantage of these areas, why not consider looking into them right now?
Helping families with financial readiness is one of the reasons we continue to take the "Heroes at Home Financial Conference" on the road. Please stop by our facebook page and let us know that you want us to bring this fun, upbeat and informative conference to your community. Thanks to generous donations from USAA, we are able to give away copies of the "Heroes at Home" book as well as iPad minis, AAFES gift cards and more. We may be coming to YOUR base in 2015 as we map out our tour.
Also, let me know some ways that YOU save money at your base!
Commissary Sales – The more preparation you can do at home, the more you can save while shopping for groceries. Go to www.commissaries.com or in order to find out what is on sale and match up coupons with sale items to save even more.
Rebates for Military Families – You may be able to get money back for the items you buy at the base exchange. Go to www.aafes.com to view the current rebate offers.
Servicemember's Civil Relief Act – If your military member qualifies, this act could allow interest rates on pre-service loans to be reduced to as low as 6%–including credit card debt. Go to your local Airman and Family Readiness Center, Army Community Service center or the equivalent to see if you qualify.
The $350 Tip – That's the average amount that consumers pay for an initial review of their finances by a CPA or CFP. For military members and their families, this kind of financial service is available for free at their local ACS (Army Community Services) or the equivalent. It's also available through MFLC (Military Family Life Counselors). So make an appointment today and you'll not only get your finances in order, you'll save $350 in the process!


Nominated for seven Academy Awards categories and the number one rated movie on IMDb's Top 250 list, Frank Darabont's movie Shawshank Redemption (1994) is still considered to be one of the best movies of all time. Based on Stephen King's novel "Different Seasons", the story – narrated by the prisoner Red – takes place at the Shawshank Prison facility in Maine in the year of 1947 and tells the story of banker Andy Dufresne, who was sentenced to two life terms after being accused of murdering his wife and her lover. In the 19 years of his stay in Shawshank Prison, the movie explores the inmate's relationships, the brutality behind bars, and the idea of human institutionalization.
According to the organization "Stop the ACA", a prison's purpose is to deprive criminals of their freedom to make them pay a debt to society for their crimes. However, Darabont's movie challenges the idea of whether or not a prison actually serves the purpose they are intended to. There are two main moments in the movie which are crucial to understanding the deeper meanings behind the plot of the prestigious movie Shawshank Redemption: the character arcs of both Red and Brooks. As the narrator, Red, states throughout the movie, the prison's "walls are funny. First, you hate 'em, then you get used to 'em. Enough time passes, you depend on them." This accurately represents the idea portrayed by the author of the original novel, Stephen King, and the director of the movie, Frank Darabont, of how the institutionalization in prison contradicts the actual purpose of a prison. In addition to this, the character arc of Brooks is a perfect illustration of what institutionalization is; after spending his whole life in prison, where all his relationships and beliefs were built, there was no way he could fit into the outside world once he was released. Everything he ever knew had been inside the walls of Shawshank, and taking Shawshank away from him would be taking his freedom away.
Each person has different definitions of certain terms, like freedom for instance, from a rich white man's perspective, the definition of freedom might be completely different from what Brooks' or Red's definition is. How you define certain aspects, beliefs, and terms, all depends on how your surroundings shape it; in Shawshank's life-sentenced inmates, freedom is being able to take care of a bird while you are in prison, or being able to carve rocks, or even going out to the yard during recess and making bets with your colleagues. Your point of view towards life necessarily depends on your surroundings, and human beings have a tendency to be easily institutionalized. At the same time that one's ability for adaptation can be a strength, sometimes it can also be a weakness, and instead of opening doors up for, it closes them and gets you stuck in between prison walls.


Our Midtown Hotel puts you just steps from the renowned High Museum of Art, eclectic Peachtree Street and the sprawling green spaces of.Located in Atlanta (Midtown), Loews Atlanta Hotel is within a 10-minute drive of Centennial Olympic Park and Georgia Institute of Technology. This 4.5-star hotel is 5.5 mi (8.9 km) from Zoo Atlanta and 1.9 mi (3.1 km) from Piedmont Hospital.
Overall, Loews Atlanta Hotel ranks significantly better than Crowne Plaza Atlanta - Midtown.
Our vibrant capital city is the living, breathing cultural heart of the American South, where world-renowned chefs, business moguls and celebrities flock for work and play. The Loews Hotel is a luxury highrise at 1065 Peachtree Street NE, about two blocks away from the Midtown MARTA station.
The Loews Atlanta Hotel features 414 guest rooms including 44 suites, each spaciously designed with oversized desks, floor to ceiling windows, 4 fixture baths, and the ultimate in technological amenities. Self-parking is also available for a nominal fee and does not include in and out privileges.Escape within your own city and have a staycation at the Loews Midtown Atlanta hotel.
1065 Midtown at Loews Hotel Condos. 1065 Peachtree Street NE Atlanta, GA 30309.
Loews Atlanta Hotel - located in the heart of Midtown - welcomes guests to an epicenter of style energy and culture.
Enjoyed the Cherokee Rose, congratulations to all my students dancing well, Rainier Rics for great organization, Jt Thomas for sharing the stage with me, and all of the people that take such a good care of me.Located on the seventh floor of the Loews Atlanta Hotel, this urban oasis offers robust fitness programming through a packed schedule of Core Fusion, yoga, and Core Cycling classes, as well as a large mind body gym with top of the line cardio and weight equipment.Location is ideal as the hotel is next to public transportation, over 100 restaurants and bars, and the.Loews hotel midtown atlanta keyword after analyzing the system lists the list of keywords related and the list of websites with related content, in addition you can see which keywords most interested customers on the this website.
Eleven, a contemporary restaurant and lounge, along with Exhale spa are on site.
Loews Atlanta Hotel: Loews midtown Atlanta - See 2,562 traveler reviews, 632 candid photos, and great deals for Loews Atlanta Hotel at TripAdvisor. Owners at 1065 Midtown enjoy full access to a world of Loews Atlanta services and amenities designed to make daily life more exciting, healthy and convenient.
A vacation does not always equate to jetsetting across the globe.Stories: 40 Number of Residential Units: 52 Year Completed: 2010 Retail Square Feet: 4,156 Number of Hotel Rooms: 414.
However, AMA has negotiated preferred rates at the following hotels based upon availability. Loews Atlanta Hotel 4.5 out of 5.0. Last booking: 9 hours ago. Choose from rooms and suites, and you can also bring your pet if under 75 lbs.


There are so many new restaurants here, there and just about everywhere! I went crazy when I spotted Molito, the new foodie haven in the south. I saw several new establishments I have never seen before and I am so excited to visit those places soon. Earlier, I posted about Ramen Yushoken. The place offer really flavorful ramen. Since we still had had 30 minutes to explore Molito before going home, my sister and I dashed to Le Petit Cheri.
It had an eerie ambiance as we were the only ones there when we visited. And it didn't seem to be a good sign. But it was recommended by a few friends so I had faith in this establishment.
Since we were not in the mood for anything savory, we went straight to desserts and stared at the display cooler. I got the White Chocolate Cheesecake (PHP148), Baked Polvoron (PHP78) and several macarons: Caramel, Salted Coffee, Purple Yam, Red Velvet, and Strawberry (PHP38 each).
I ordered the baked polvoron since it intrigued me. I love polvoron but I never really had a chance to try a baked version of it. The texture was similar to a rather hard cookie and it wasn't as sweet as the well-loved Goldilocks polvoron. Actually, it tasted just like a slightly bland cookie.
I ordered the White Chocolate Cheesecake since it was the most photogenic among the cakes available then. It was very dense and thick and it didn't have the tart that I like from cheesecakes. It also made me remember why I don't like white chocolate. In short, I will not order this again… ever. But white chocolate lovers might enjoy this.
The macarons were pretty decent though for its affordable price. My favorite was the salted coffee (which I cleared with the person who assisted us if it's really coffee and not caramel). It tasted just like coffee but it wasn't as sweet. The ganache was so thick though.
The strawberry macaron was your usual strawberry macaron and same for caramel. The red velvet had a chocolatey taste.
The most interesting one was the purple yam. I never tried one before and it did taste like yam. Delightful!
Before leaving, I explored the second floor and spotted heaven! It is so adorable and I would like to spend my free afternoons there.
I'll be back to try Le Petit Cheri's savory dishes.
Le Petit Cheri is located at El Molito Commercial Complex, Molito Lifestyle Building, Madrigal Avenue, corner Alabang-Zapote Road, Muntinlupa City.


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UAB receives prestigious BRAIN Initiative grant for deep brain stimulation in Parkinson's disease
by Bob Shepard
UAB investigators have won a prestigious White House BRAIN Initiative grant to study the potential benefits of new technology coupled with newly discovered biomarkers in deep brain stimulation for Parkinson's disease.
The University of Alabama at Birmingham has received a BRAIN Initiative grant of $7.3 million over five years from the National Institutes of Health to study new technology that could improve outcomes from deep brain stimulation, an increasingly important treatment for Parkinson's disease and other movement disorders.
The White House BRAIN Initiative — Brain Research through Advancing Innovative Neurotechnologies — is a collaborative, public-private research initiative launched by the Obama administration in 2013.
UAB is an international leader in neuromodulation, which involves using electrical, chemical or magnetic stimulation to modulate the function of the human nervous system. Deep brain stimulation is a neuromodulation therapy that uses electrical current to improve slowness, muscle stiffness, tremor and other disabling symptoms of movement disorders.
The BRAIN Initiative award will enable UAB investigators to assess next-generation DBS technology made by Boston Scientific. Its new system can direct current in specific directions in the brain, which will allow a more tailored approach to DBS adjustments in individuals. This directional DBS approach has significant potential to enhance improvement and to minimize potential side effects from stimulation.
"One of the difficulties in current DBS technology is that the electrical stimulus goes out in all directions, like a radio wave from a broadcast tower," said Harrison Walker, M.D., associate professor in the Department of Neurology and the primary investigator of the study. "Based on previous studies in our laboratory, we believe that we can use this new electrode design to tailor the shape of the DBS electrical field in individuals and get better results with fewer side effects."
To guide activation and adjustment of this complex new technology, the investigators will use recently identified biomarkers that measure brain rhythms triggered by DBS during surgery. One major goal of the study is to test whether these brain rhythms can serve as a roadmap in individuals to arrive at optimal stimulator settings with the directional DBS device as rapidly as possible.
After DBS surgery, patients will participate in a crossover study to compare outcomes with and without directional stimulation. This study design takes advantage of the ability to instantly change stimulator settings in an individual. At the end of the crossover study, investigators will carefully measure motor, cognitive and behavioral outcomes. Importantly, participants will be able to express which treatment strategy they preferred, based on changes in symptoms and quality-of-life measures that are most important to them.
UAB has performed more than 1,000 DBS and other stereotactic functional neurosurgery procedures for movement disorders including Parkinson's disease. To refine targeting during the DBS procedure, neurologists and neurosurgeons perform brain mapping and measure the response to stimulation during surgery. The goal is to maximize potential benefits and minimize potential side effects during device activation a few weeks later in the neurology clinic.
"One of the difficulties in current DBS technology is that the electrical stimulus goes out in all directions, like a radio wave from a broadcast tower. Based on previous studies in our laboratory, we believe that we can use this new electrode design to tailor the shape of the DBS electrical field in individuals and get better results with fewer side effects."
Walker's previous research has identified biomarkers with significant potential to guide targeting and activation of the DBS device in patients with Parkinson's disease. Biomarkers are measurable signs that can be used to diagnose or treat disease. In this case, the UAB team is studying whether specific patterns of cortical activation triggered by the DBS pulse can predict the best combination of DBS contacts used for clinical therapy. These cortical activation patterns are measured with electrodes on the scalp (electroencephalography) and on the surface of the brain (electrocorticography). This study will investigate the potential value of these biomarkers for refining positioning of the DBS electrode during surgery and for improving the time-consuming, trial-and-error process of stimulator adjustments in clinic.
"There has always been a trade-off in deep brain stimulation, balancing the positive effects against the risk of unwanted side effects," said co-investigator Barton Guthrie, M.D., professor in the Department of Neurosurgery at UAB. "It's a challenging undertaking to determine the best placement of the lead, and to establish the appropriate contacts for activation and other stimulation parameters. Our hope is that, with the greater flexibility afforded by the new technology, coupled with the discoveries Dr. Walker has made in tracking biomarkers for effectiveness, we'll be able to produce even better results for patients."
"Advances in DBS technology such as emerging directional lead designs, are outpacing our clinical and scientific knowledge of how DBS actually works," Walker said. "In addition to rigorously evaluating directional stimulation, this trial should allow us to identify physiological measures that could eventually be used to adjust DBS settings in real time based on the needs of the patient in daily life. Additionally, this work could serve as a foundation to guide neuromodulation strategies for other movement disorders and for emerging indications such as epilepsy, obsessive compulsive disorder, major depression and other disorders."
"There is no better work being done in neuromodulation than that at UAB, and this NIH BRAIN Initiative grant confirms the respect UAB enjoys in this field," said UAB President Ray L. Watts, M.D., a practicing neurologist and expert in Parkinson's disease. "This important research is made possible due to the strong collaboration between the Departments of Neurology and Neurosurgery, coupled with the multidisciplinary contributions from engineering, physical therapy, radiology, otolaryngology and biostatistics. This research will continue to showcase UAB's important contributions in movement disorders, and could provide significant improvement in the quality of life for thousands of people with Parkinson's disease."
The scientific steering group for the BRAIN Initiative grant includes Walker and Guthrie, along with Arie Nakhmani, Ph.D., assistant professor of electrical and computer engineering; Gary Cutter, Ph.D., professor of biostatistics; Christopher Hurt, Ph.D., assistant professor of physical therapy; Daniel Phillips, Ed.D., instructor of otolaryngology; Roy Martin, Ph.D., associate professor of neurology; and Mark Bolding, Ph.D., assistant professor of radiology.
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The old Charles Messier has expressed his plan to bring out his catalog anew, ordered by right ascension; he published this plan in the Connoissance des Temps for 1801, but he never carried it out. But as this order is convenient and was applied to many other catalogs, we can certainly present the Messier catalog in this order.
1=Open Cluster, 2=Globular Cluster, 3=Planetary Nebula, 4=Starforming Nebula (with open cluster), 5=Spiral Galaxy, 6=Elliptical Galaxy, 7=Irregular Galaxy, 8=Lenticular (S0) Galaxy, 9=Supernova Remnant, A=System of 4 stars or Asterism, B=Milky Way Patch, C=Binary star.


Disk Space: This refers to the amount of space the web hosting company will allocate for your website. If you have a small website with a few pages and few images, you can go for a smaller disk space. Some companies offer as little as 50MB disk space. Ideally, you should opt for a minimum disk space of 300MB.On the other hand, if you have a large website with many pages, lots of images, videos, audio files, and other zip files, you will need a bigger disk space. The total size of the files you are hosting should guide you on the disk space size to go for. If you are constantly adding large files on the website, you can go for unlimited disk space. However, this comes at an extra cost.
Bandwidth: Bandwidth refers to the amount of traffic that is allowed between a website and the Internet during a particular time period, usually monthly. The amount of traffic you get should guide you in choosing the right bandwidth. For example, if you choose a package that comes with 1GB bandwidth, your site will be inaccessible after the bandwidth is exhausted during that month. The site will be accessible again after the month ends. If you anticipate high traffic or are offering lots of downloadable files, go for a higher bandwidth limit. You can also opt for unlimited monthly bandwidth.
Server Uptime: Uptime refers to the amount of time the servers where your website is hosted remain functioning. Ideally, any package that comes with 97% uptime guarantee for three consecutive months is good. There is no company that can guarantee 100% uptime as many things, both natural and human-caused, can occur and may make the servers to fail.Regardless of the size of your website, you should look for a web hosting solution that offers a minimum of 97% guaranteed uptime. The higher the guaranteed uptime, the better.
Price: Consider the price of the web hosting package before you purchase. Compare prices from different companies to find one that is affordable. When comparing the prices, look at the features of the packages. Some of the things you should consider include whether multiple domain web hosting is allowed, money-back guarantee, types of applications that are supported in the package, level of support, among others.
The above are some of the things you should consider when looking for the best web hosting solutions.


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Blanc leaves France post - Coach calls time on role following Euro 2012 exit
Posted Sunday, July 01, 2012 by Sky Sport
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Laurent Blanc: France coach steps down following Euro 2012 exit
Laurent Blanc is to step down as France coach with immediate effect following their Euro 2012 quarter-final exit.
The former Manchester United defender leaves the role he took up following the nation's shambolic World Cup 2010 campaign, with his contract expiring on June 30th.
Blanc looked to have reunited a dressing room which turned mutinous under former boss Raymond Domenech, with Patrice Evra stripped of the captaincy for leading a training ground rebellion in the wake of Nicolas Anelka's exclusion from the squad.
France qualified with relative ease for the finals in Poland and Ukraine, losing just once in their preliminary campaign before being pitted against England, Ukraine and Sweden in Group D.
They dominated their opening 1-1 draw with England before brushing aside the co-hosts in their second clash to stand in pole position at the top of the group going into their final fixture.
Poor display
But a shock defeat at the hands of Sweden allowed Roy Hodgson's men to top the pile and left Blanc's men with a testing quarter-final showdown against Spain, in which they suffered a 2-0 defeat to exit the tournament following another poor display.
Blanc, who has been linked with the vacancy at Tottenham, held extensive talks with French Football Federation president Noel le Graet over the past few days.
And the 46-year-old, who won 97 caps for his country before moving into management with Bordeaux, has now decided to pursue an alternative career path.
"During our discussions on 28th June, we were unable to find common ground on the management of the French team for the next two seasons," Blanc said.
"Under these conditions and after reflecting on the matter, I could not but confirm to him, on this day Saturday 30th June, my decision not to ask for my contract to be renewed by the FFF."
Applauded
And a statement on the FFF website read: "Within the period provided for reflection, Laurent Blanc, on Saturday contacted the president of the FFF, Noel Le Graet, to indicate his decision not to seek the renewal of his contract of national coach.
"Mr Le Graet has acknowledged and applauded the work of Laurent Blanc at the head of the France team since August 2010.
"The executive committee of the federation is meeting on Tuesday but no comments will be made by the FFF and its president before the press conference scheduled at the conclusion of this work session."
Laurent BlancFranceNoel le Graet
Fernando Torres revels in Euro 2012 crown
Italy can reach the final at World Cup 2014
De Gea & Mata named in Olympics squad


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Islamic banking is a system of conducting banking activities in line with the principles of Shariah while avoiding all the prohibited activities such as Interest/Riba, Gharar* (uncertainty), dealing in prohibited businesses (e.g. alcohol, gambling), etc.
'Interest free banking' is one of the key principles of Islamic banking. It allows you to avoid interest-based transactions, but in addition, also avoid unethical and socially unacceptable practices prohibited under in Shariah, including: unfair trade practices, hoarding, speculation, etc.
Therefore, Islamic banking transactions are based on 'tangible assets and real services' as opposed to 'conventional money lending'.
Is Islamic Banking meant only for Muslims?
The teachings of Islam are meant for both Muslims and non-Muslims. Universal values like honesty, justice, avoiding fraud, etc., form the basic principles of Islamic banking. Therefore, Islamic banking is for everyone irrespective of what religion they follow.
What is meant by Shariah?
Riba" means excess, increase or addition. As per Hadith of the Holy Prophet (Peace Be Upon Him), "Every loan that derives a benefit (to the lender) is Riba". Therefore, interest means giving and/or taking of any excess amount in exchange of a loan or on debt. Hence, it has the same meaning as that of Riba.
Are Islamic banks not just paying interest and dressing it as profit on trade and investments?
This is not the case. Islamic banks accept deposits from customers on profit and loss sharing or on the basis of "Qard". These funds are used in Shariah compliant modes of finance, trade or investment. The income generated by these Shariah compliant modes are then distributed among the depositors as profit.
1 Money is a commodity as well as a medium of exchange. Therefore, it can be sold at a price higher than its face value and it can also be rented out. Money is not a commodity. It is only used as a medium of exchange. Therefore, it cannot be sold at a price higher than its face value or rented out.
2 Profit is earned by charging interest on capital. 'Time value' is the basis for charging interest on money/capital. Profit is earned through trade of goods or charging for providing services.
3 Interest is charged even in case the organisation suffers losses by using the bank's funds. Therefore, it is not based on profit and loss sharing. Islamic banks may operate on the basis of profit and loss sharing. If the business has suffered losses, the bank will share these losses based on the mode of finance used (e.g. Mudarabah and Musharakah).
5 Conventional banks use money as a commodity which leads to inflation. Islamic banking tends to create link with the real sectors of the economic system by using trade related activities. Since money is linked with real assets, it contributes directly to economic development.
Mudarabah is an arrangement in which a person (called Rab-ul-Mal) participates with his money and another person (called Mudarib) participates with his efforts. The parties agree, at the beginning, on a profit sharing ratio between them.
Musharakah is a partnership contract. The profits are shared as per agreed ratios between partners and losses are borne in proportion to their respective capital contributions.
Diminishing Musharakah (DM) is a form of co-ownership in which two or more persons share the joint ownership of a tangible asset (e.g. house) in an agreed proportion. It is agreed that one of the co-owners will purchase, in periodic instalments, the share of the other co-owner until the ownership of that tangible asset is completely transferred to the purchasing co-owner. Furthermore, along with the purchase of share, the (purchasing) co-owner will also make periodic payments for the usage of other co-owner's share in the asset.
Musawamah is the general sale of goods whereby the seller is not obliged to disclose to the buyer the cost of goods sold.
Salam is a sale transaction in which the seller agrees to supply specific goods to the buyer at a future date against an advance payment which is fully paid at spot. The basic purpose of Salam is to meet he needs of the small farmers for the production of agricultural products.
– Price is fixed with the consent of parties.
– The specification of the commodity to be manufactured must be agreed between parties.
Ijarah is a type of rental contract whereby the owner of an asset (e.g. car), transfers the right to use to another person for an agreed period and price.
Wakalah is an agency contract in which one person appoints another person as his agent to perform a certain task on his behalf on agreed terms and conditions, usually against a certain fee. A contract of Wakalah can take place only in respect of such acts which the principal is competent to perform himself, provided such act can be performed by the agent.
Kafalah is a contract in which a third party becomes surety i.e. provides guarantee for the payment of debt on behalf of the debtor. It is a pledge given by a third party to a creditor to the effect that if the debtor defaults in payment of the debt, it will be paid by said third party as Kafeel or guarantor.