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Biografia
Ha lavorato con la maggior parte delle orchestre finlandesi come direttore ospite o altro. Anche se opera principalmente in Finlandia, lavora anche in Svezia e in Estonia. Il suo stile compositivo può essere considerato neoclassico sebbene sia stato visto come talvolta cromatico ed espressivo (come nel suo Concerto per flauto del 1985 e nel suo Concerto per violino del 1989). Le sue opere mostrano apprezzamento per lo strumento individuale e per la musicalità naturale.

Ha studiato trombone e direzione orchestrale presso l'Accademia Sibelius di Helsinki sotto Jorma Panula diplomandosi in direzione orchestrale nel 1979. Dal 1975 al 1979 ha diretto L'Orchestra Politecnica (Polyteknikkojen Orkesteri). In seguito ha lavorato nell'istituzione come assistente senior per la direzione dal 1991 al 2002 e come docente di direzione d'orchestra dal 2002. Ha è stato il direttore di diversi cori tra cui il Coro Sinfonico della Radio (1975-1976), il coro da camera dell'Accademia Sibelius Cantemus (1979-1984) e il coro Akateeminen Laulu (1991-1995). Ha anche lavorato come direttore dell'Orchestra Filarmonica di Tampere (1987-1989) e dell'Orchestra Municipale di Joensuu tra il 1993 e il 2000 (di cui è stato anche il direttore artistico). È stato direttore musicale e direttore artistico dell'Orchestra Sinfonica di Kuopio tra il 1995 e il 2000, dopo di che diventò il direttore ospite principale della Seinäjoki City Orchestra, dove è stato fin da allora. È stato anche direttore musicale del Teatro Nazionale Finlandese tra il 1982 e il 1995 ed è stato direttore dell'Opera Nazionale Finlandese (1980-1987 e 1989-1995). In quest'ultima ha diretto Vincent di Einojuhani Rautavaara, Gaia di Markus Fagerudd, Mario and the Magician di Vajda e Le rossignol di Igor Stravinsky. Nel 1982 ha vinto il concorso di direzione nordica di Norrköping insieme a Jukka-Pekka Saraste.

Le sue composizioni comprendono quattro opere: Kolmekymmentä hopearahaa (Trenta pezzi d'argento) nel 1988, Ameriikka (America) nel 1992, Isontaloon Antti (Antti Isotalo) nel 2000 e Pohjanmaan kautta (Alla salute!) Nel 2002. Solitamente si basano su complotti popolari e spesso incorporano musica folk, anche se non sono opere popolari per via della presenza di uno sviluppo musicale e campate strutturali. Le sue armonie ricordano Sergei Prokofiev e Les Six, con l'influenza della melodia italiana nelle sue ultime due opere. La trama di Kolmekymmentä hopearahaa studia la relazione tra un ministro revivalista e coloro che lo circondano (sia laici che il clero) e si basa su un'opera teatrale di Heikki Ylikangas. Ameriikka è uno studio sull'amore e sulle relazioni a distanza: un minatore va in America lasciando indietro la sua fidanzata; l'immaginazione la porta alla gelosia e lei decide di inseguirlo attraverso l'Oceano Atlantico. Isontaloon Antti segue un reclutamento di un cacciatore che, dopo essere tornato dall'addestramento in Germania, viene inseguito dalla polizia per questa fedeltà. I libretti di Ameriikka e Isontaloon Antti sono stati scritti da Antti Tuuri. Pohjanmaan kautta, che aveva un libretto scritto da Tiina Puumalainen, è una storia del proibizionismo in Ostrobotnia (il titolo è letteralmente tradotto come "attraverso l'Ostrobotnia", un brindisi finlandese). Sono stati tutti eseguiti in anteprima a Ilmajoki e di solito vengono eseguiti all'esterno.

La sua musica è descritta come malinconica e inquieta, con melodie giocose e bruschi ostinati. Spesso mette in risalto gli ottoni e include due sinfonie tra cui quella per quintetto d'ottoni e orchestra (notevole per la sua musica aleatoria), concerti (per contrabbasso nel 1979, per flauto nel 1985, per tuba nel 1986, per violino nel 1989 e per trombone nel 1994) e musica da camera; molto importante, un Quartetto di fiati e un Quintetto d'archi, entrambi del 1993, anche Taikalamppu per il quartetto d'ottoni, Dedications, Memories (1985) per quintetto di ottoni, Nonetto di Fiati (1985) e Quintetto di ottoni (1991)). Il suo lavoro per banda musicale è tradizionale e tonale e può essere descritto come musica applicata e talvolta prende in prestito dalla musica popolare. Questi lavori includono Concert March (1979), Allegro agitato''' (1986) e Fanfare (1987), il grande Concerto per due clarinetti e banda di fiati (1980) e Visioni dal Nord (1997). Questo lavoro include alcuni pezzi per il teatro (circa 40 brani), la televisione e il cinema. Il suo lavoro per lo schermo comprende Da Capo Press nel 1985 e Kotia päin nel 1989.

Per molti anni ha insegnato alla Accademia Sibelius. Quasi tutti gli studenti che hanno studiato lì negli anni '80, '90 e nel XXI secolo hanno studiato anche con lui. Ha anche molte masterclass, quella annuale è in agosto a Seinäjoki.

Discografia sceltaConcertos for Tuba, French Horn and Trombone (Orchestra Sinfonica di Oulu 1996)Contrabasso concertante - Finalndia (Jorma Katrama e Kuopio Symphony 1998)Sibelius Rarities (Kuopio Symphony 1999 - Finlandia)Piazzolla - Finlandia'' (Mika Vayrynen e Kuopio Symphony 2000)

Note

Bibliografia
 Northern Michigan University profile. Retrieved 21 February 2005.
 Profile at the Lieksa Brass Week 2005 website. Retrieved 21 February 2005.
 Kitterick, Padraig. Profile of Atso Almila - National Youth Orchestra of Ireland website. Retrieved 21 February 2005.
 Korhonen, Kimmo (2003). Inventing Finnish Music - Contemporary Composers from Medieval to Modern (translated by Jaakko Mäntyjärvi). Finnish Music Information Centre.

Collegamenti esterni

Insegnanti finlandesi

redpajama_set_name: RedPajamaWikipedia


Jasper's Zachary Flynn wrestles Carson Brewer of Avon in the semifinals of the 182-pound weight class at Saturday's IHSAA semistate wrestling tournament at the Ford Center in Evansville. Flynn placed third overall to advance to this weekend's State Finals at Bankers Life Fieldhouse in Indianapolis. He'll be joined by fellow local wrestler Aidian Rea of Heritage Hills who placed 4th in the 285-pound weight class.
EVANSVILLE — There's no denying that your senior year of high school can be one of the most fun years of your life. From countless memories made and friendships gained, you often remember your senior year for a long time.
For two local senior wrestlers, Saturday's semistate meet at the Ford Center in Evansville was just another lifelong memory made as Jasper's Zachary Flynn and Heritage Hills' Aidian Rea advanced to the IHSAA State Finals in Indianapolis by placing in the top-four of their respective weight classes. Flynn placed third in the 182-pound class and Rea placed fourth in the 285-pound weight class.
Flynn defeated Evansville Mater Dei's Jacob Pierson by a 9-2 decision in the opening round and then beat Jeffersonville's Cody Matherly by a 3-1 decision in the ticket round to solidify his first career spot in the state finals.
While Flynn was defeated by eventual semistate champ Carson Brewer of Avon in the semifinal, he took home third place when he defeated Danville's Trizton Carson in the consolation match. Flynn technically won the match on an injury forfeit but he was ahead at the time of Carson's injury.
Jasper head coach Jace Brescher was very proud of Flynn's performance on Saturday afternoon. He knows it's something that Flynn has been working very hard to accomplish and seeing it all pay off was well worth it.
Rea also had two tough matches to get through in order to make his first career state finals appearance. He defeated Mooresville's Robbie Gentry by sudden victory (overtime) in the opening round and then had an intense battle with Southridge's Wyatt Kramer in the ticket round that resulted in Rea winning by an ultimate tiebreaker — basically, the equivalent to double overtime.
In the match against Kramer, a fellow Pocket Athletic Conference wrestler that he's battled many times, Rea just kept trying to think about what was ahead for him if he was just able to get through that fight.
While his first two matches went well, he had a little tougher go around in his final two matches of the afternoon.
He was defeated by Brownsburg's Dorian Keys in the semifinal match (who was the eventual semistate champion) by pin (1:26) and then fell to Jeffersonville's Matthew Munoz by a 3-2 decision in the consolation match for third place.
While the semistate meant good things for Flynn and Rea, it also meant the end of the year for many others and in some cases, the end of their high school careers.
For Jasper, Flynn was joined by freshman Ian Giesler (132) in the ticket round. Giesler defeated Jeffersonville's Connor Gilles by an 11-6 decision in the first round before being defeated by Brownsburg's Drake Campbell in the second round. Sophomore Jainier Milanes (106), freshman Ashton Schuetter (195) and sophomore Will Collon (220) were all defeated in the opening round.
Southridge's streak of sending an individual to the state finals was ended this year. Four Raider wrestlers made it to the ticket round but were then ousted from the tournament — sophomore Tanner Kane (120), junior Brad Springer (152), senior Tucker Schank (160) and senior Wyatt Kramer (285). Senior Patrick Sander (132), junior Sam Schroeder (170) and sophomore Chase Taylor (220) were defeated in the opening round.
Forest Park was represented by junior Isaac Brosmer (106) who was defeated in the opening round by Avon's Blaze Garcia. Heritage Hills also had two other wrestlers participate in Saturday's semistate but they were both defeated in the opening round — junior Sam Scott (120) and junior Phoenix Rodgers (182). Brownsburg was the overall team champion with 134.5 points while Evansville Mater Dei was second (121) and Avon placed third (103).
The IHSAA State Finals will take place at Bankers Life Fieldhouse in Indianapolis this Friday and Saturday. Win on Friday and you'll wrestle on Saturday but if you lose, then your season is over. Both Flynn and Rea are excited for their first ever appearances at state and they look to make the most out of them.


Perhaps you've admired a Giant Yellow Beauty in a distant garden somewhere or might even have it in your yard . . . but you probably don't know everything about it!
Explore one of God's most beautiful creations with the . . . Sensational Sunflowers E-Book, A unit study from The Old Schoolhouse®.
Take your kids on a sunflower learning adventure!
Have you ever seen the Teddy Bear or Joker sunflowers?
Why is it named the Teddy Bear?
Explore many more interesting facts.
Grow your own awesome beauties with these garden tips!
What can you do with the harvested seeds?
Discover cool sunflower crafts from the many Web links provided.
Enjoy the Sunflower Varieties word search (with answers).
Make a pretty Sunflower Garden coloring project.
Additional resource links will guide your way toward more summertime learning possibilities.
PLUS enjoy lots of copywork by Virginia Donahue of Proverbs 22:6 Academy, quotes, vocabulary, drawing, and activity sheets in manuscript and cursive designs, including a sunflower acrostic poetry lesson.
Your children will have fun observing and answering questions regarding their own plant-growing experiment.
They'll find out how different liquids affect germination and plant growth.
They'll track their observations by completing the accompanying Plants and Answers Lab Sheet and Growth Log.
Get blooming! Download Sensational Sunflowers NOW!
Have you wanted to include nature study as part of your homeschool? Here's a huge compilation of enjoyable lessons & living expeditions you'll want to try!
Are you ready to explore science that will reach and teach your children like never before?Solar Max will keep your children answering questions like these: Who first discovered the solar cycle? How do solar flares occur? This is available as a downloadable ebook only.


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By rlcadmin14 noviembre, 2020Raiz
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Chinese Language Wedding Ceremony Customs
Dancers take deep bows, extending their legs and arms, and transfer slowly and gracefully, in time with the music. The calm and lyrical rhythms of the dance are mentioned to replicate the wonder and calm of the Kujawy landscape. The Polonaise or Polonez, evolved from a Polish dance known as the Chodzony in the 15th century. As one can infer from the name, the dancers walk gracefully and slowly around the dance floor, taking deep bows in time with the music. Today, the Polonaise is danced at all formal balls and dances in Poland, and is an important a part of debutante balls and dances organized by Polish immigrants around the globe as well. It is considered to be a dance of the nobility and not a true folk dance, like the opposite national dances of Poland. The Polka, which is often associated with Poland and danced at Polish weddings and other celebrations, just isn't formally a nationwide or people dance of Poland.
This is the most beloved and patriotic of the Polish national dances. The Kujawiak has its origins within the Kujawy region in north-central Poland. It is a straightforward dance with slow cadences, carried out with a lot dignity and beauty. It first appeared in the mid-19th century and quickly unfold all through Poland, due to its lovely music and sluggish, elegant, and romantic tempo.
Checking Your Browser Earlier Than Accessing Southernbride Com.
The Goralski is at all times a showstopper in any performance of Polish folk dancing. Kraków is well known not solely as the old royal capital of Poland, but also as a vibrant center of folklore, history, culture, and the arts.
Elements of the past appear in the Krakowiak, with the dancers typically arriving on the stage in a horse-drawn cart. Horses are beloved on this southeastern region of Poland, and there's a familiar galloping step prevalent within the dance. The Krakowiak is carried out by couples, with one main pair who directs the circulate of the dance, and the boys usually address their partners in song, with humorous ditties and comments. The men's costumes are unique, featuring striped pink and white pants, lengthy blue vests, with peacock feathers of their caps and steel rings of their belts. Women wear flowered skirts, white aprons, embroidered vests with flowing ribbons, and flowered wreaths.
You might be surprised by wonderful delicacies that the girl magically ready from the various mundane factors. Perhaps you must accustomed to the idea that Western women of all ages choose to "prepare dinner" dishes within the micro wave. Polish women are literally definitely not in opposition to those kinds of cooking approach, if the dishes is delightful and nourishing, nonetheless they wish to cook dinner dinner independently.
It really originated in Bohemia, now a part of the Czech Republic, although it's performed with gusto, both in Poland as well as in Polish immigrant communities throughout the world. The Polka has an especially fervent following amongst Polish Americans and there are numerous Polish polka bands that get pleasure from great popularity in the U.S. For centuries, the traditional Polish legend of the mermaid has been a defining part of Polish tradition and folklore. As publish-warfare Warsaw lay in ruins around her, the Syrena statue stood unscathed, defiant, miraculously spared from the ravages of warfare. It is alleged that one of the sea god Triton's daughters swam in from the Baltic Sea along the Wisla River and stopped on the riverbank close to the Old Town of Warsaw to rest. Local fishermen came to admire her magnificence and take heed to her beautiful voice.
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Poland's coat of arms has been used for hundreds of years and incorporates a white eagle capped with a gold crown. "Nest" is the origin behind the name of the primary capital of Poland, Gniezno, and the eagle became a logo of the state that evolved from that unique settlement. The Polish eagle, with its broad spread wings and pointed talons on a purple polish mail order bride shield, has modified design a number of times, and through the communist period it was even deprived of its crown. The white eagle was triumphantly recrowned after the fall of communism in 1989 and reincorporated into the official nationwide flag.
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Pakistani Wedding Ceremony Customs

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https://www.ourmidland.com/news/article/NJ-Gov-Christie-brings-humor-to-Midland-6973739.php
NJ Gov. Christie brings humor to Midland
By John Kennett jkennett@mdn.net
Published 4:30 am EDT, Sunday, October 7, 2012
On a coast to coast campaign tour, New Jersey Gov. Chris Christie brought his humor to Midland Saturday as he energized fellow supporters of presidential candidate Mitt Romney.
"It is up to us to mold history," said Christie. "If there is anything we can do to change history in the next 31 days, we need to do it. The stakes are too high for us to give up."
Finishing up a four state tour over the last three days, Christie stopped at the H Hotel as the presidential race heads into its final month.
"We're going to hold a huge celebration on Nov. 6," said Christie. "The Democrats made a bad choice four years ago."
Thursday saw the personable governor in the State of Washington, Montana on Friday and North Dakota Saturday morning before speaking to a small, but influential gathering of about 40 in Midland, some who had donated $10,000 toward Romney's campaign.
"I've been impressed by all the people I've met," he said. "We had 600 people at an air museum in Fargo, North Dakota, at 8:30 in the morning all fired up and ready to go."
Michigan Attorney General Bill Schuette fired up the crowd as he introduced the dynamic Christie.
"Here is someone that understands the challenges of America, speaks the language about where America needs to go," said Schuette. "He rocks politically, as much as Bruce Springstein rocks musically. But I sure like the tune of Chris Christie."
With Wednesday's presidential debate fresh in everyone's mind, Christie couldn't pass up an opportunity to comment on what he called a wipeout.
"Mitt has met every challenge in his life," said Christie. "You don't be as successful as Mitt Romney without being competitive. We saw a president on that stage, didn't we?"
Christie, who predicted before Wednesday's presidential debate that Romney would turn the presidential race "upside down," got his digs in at President Obama.
"Why didn't Obama's staff give him some Red Bull before he came in there and pep him up a little bit?" said Christie. "He looked like he didn't want to be there. He knew that Mitt Romney was winning and he was losing. Mitt got better and better as the debate went on."
Then it was on to thank the supporters for their contributions.
"We appreciate the money you've given," said Christie. "You know that Mitt will be an effective and careful steward of your money."
But, he also spurred the gathering to do more than just give money.
"Go home, look at your calendar for the next four weeks and see how much time you can peel away from your obligations in your life. Call friends, neighbors and relatives and business colleagues and business associates and tell them, 'I'm totally committed to Mitt Romney and I hope you are going to vote for him,'" said Christie. "You would be surprised how important that is to folks. You can make a difference."
As he closed, it was time for a little more humor.
"I had to watch the Democratic National Convention. It was a sacrifice for my country," he laughed.
"But, using a Democrat's own words, 'Government is the only thing we all belong to,'" said Christie. "I grew up in a blue state like New Jersey and I was taught that 'the government belongs to us.' That is the single biggest difference in this election. He believes we are tools that he can use to institute his vision for America."


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We are half way through 2016…. already. I must have blinked a little too long.
Now is a good time to see what marketing trends are playing out and what others are emerging for 2017.
Product Marketers and Product Managers that have marketing responsibilities need to stay in tune with emerging trends. Go to market execution is a core competency. Do it well and it is a competitive advantage. So, let's review what new trends and technology are emerging to help you sustain that competitive edge.
The backbone of this blog is written around a recent report from Hubspot called The Future of Marketing: What will marketing look like in 2017? It was authored by Erik Devaney.
Data Driven: if you are not yet measuring your marketing efforts and investments then get ready to do so soon. You need to ensure you are able to measure your efforts so you can do more of what works well and less of what doesn't. There are too many marketing channels today that can burn up your marketing free funds and time before you can say ABRACADABRA. Experiment, gather data, measure, refine.
Personalised: this topic has been discussed extensively for the last three years. Nothing too new here. But, a timely reminder to approach personalisation correctly.
Integrated: although this point in the report is really just a big promo for Hubspot's integrated marketing automation platform, it is still quite valid. I have used disparate systems and I have used an integrated marketing system like Hubspot. It is DEFINITELY a lot easier if you can plan your communications and content in one place. One place to gather data, one place to measure and grow. If you can manage all of your online marketing concerns in one location it makes it easier to balance with your offline activities as well.
Native: traditional marketing concepts centre on 'interrupting' someone; getting them to pay attention at a time that suites you. These days that is not so effective. Your buyer is busy?—?they have developed a filter on marketing interruptions. They haven't got the time or patience to deal with your product-centric jibber jabber.
Instead, focus more of your marketing efforts to guide your buyer along their journey of problem solving, at a time that suits them. Permission marketing, an evolved approach from Interruption Marketing proposes to reposition your marketing efforts to a time and place that helps your buyer when they need help. This could be an article/ebook that educates the buyer but positions a solution in context.
Mobile (& Beyond): This topic has been done to death I think, ever since Google started scoring websites by their mobile friendliness around April 2015 https://developers.google.com/webmasters/mobile-sites/.
There are several ways to make your website mobile friendly. However, the most effective way, that reduces ongoing content maintenance and adapts to future device changes, is responsive design. In summary, your website should be easy to use and look good, regardless of the device being used to view it.
So, the Future of Marketing report is a nice summary for Product Marketers to focus on the right priorities. However, there is one key thing missing from it. There is a massive technology trend in marketing that is in play now and really should be on the minds of anyone responsible for taking products to market?—?Advocacy Marketing, or sometimes called Referral Marketing.
The concept is as old as the hills?—?happy, engaged customers are one of the best sources of new customers. Why? Because they tell friends, family, colleagues of their great experience. A referral benefits everyone. The supplier gets a new customer, the new customer feels more confident in the value they will get because someone they trust has vouched for it and the existing customer gets that warm-glow feeling.
But, this source of new customers is too valuable to leave to chance. Product Marketers should consider things they can do now to drive referrals, foster greater advocacy and build a pipeline of new business from engaged customers. Thus, advocacy marketing solutions are now becoming popular?—?to drive advocacy and the pipeline that can come from it.
Fostering customer advocacy is part of the Buyers Journey. For more insight into advocacy/referral marketing, check out the infographic at the end of this post.
Many of these concepts are now modern day essentials for Product Marketers and Product Managers that need to market. The marketing arena is changing very quickly?—?faster now than in the previous 50 years.
To guide Australian product professionals through these waters Brainmates offers a dedicated, 2-day 'Essentials of Product Marketing' course. It is delivered face to face and fosters group participation across the main concerns of taking products to market and keeping them competitive for as long as they can be.
You can find out more details on this product marketing course here as well when it is next scheduled.
[INFOGRAPHIC] What is Referral Marketing?
The infographic here explains the value of a managed referral marketing program. Thanks to the team at ReferralCandy for putting it together.


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Anna Sophie von Preußen (* 11. Juni 1527 in Königsberg; † 6. Februar 1591 in Lübz) war eine Prinzessin des Herzogtums Preußen und durch Heirat Herzogin zu Mecklenburg.

Leben
Anna Sophie war das älteste und einzige überlebende Kind des Herzogs Albrecht von Preußen (1490–1568) aus dessen erster Ehe mit Dorothea von Dänemark und Norwegen (1504–1547), Tochter des Königs Friedrich I. von Dänemark. Durch ihre Mutter hatte Anna Sophie umfangreiche Kenntnisse in Naturheilkunde besonders der Frauenheilkunde. Bereits 1546 wurden Anna Sophie von den preußischen Ständen eine so genannte Prinzessinnensteuer von 30.000 Gulden bewilligt, die sie bei ihrer Hochzeit auch erhielt.

Anna Sophie heiratete am 24. Februar 1555 in Wismar Herzog Johann Albrecht I. zu Mecklenburg (1525–1576). Im Rahmen der Hochzeitsfeierlichkeiten sorgte Anna Sophies Vater für einen Vergleich seines Schwiegersohnes mit dessen Bruder Ulrich. Anlässlich der Vermählung hatte Johann Albrecht den Fürstenhof in Wismar im Stil der Renaissance umgestalten lassen, welchen er gemeinsam mit seiner Gemahlin bezog. Den drei Söhnen dieser Ehe war Anna Sophie eine liebevolle Mutter. Wegen seiner Ehe war Herzog Johann Albrecht seinem Schwiegervater im Reich als auch in Livland ein treuer Bündnisgenosse. Albrecht von Preußen versuchte zeitweise erfolglos seinen Schwiegersohn als Nachfolger im Herzogtum Preußen anerkennen zu lassen.

Anna Sophie starb auf ihrem Witwensitz in Lübz und wurde im Schweriner Dom bestattet.

Nachkommen
Aus ihrer Ehe hatte Anna Sophie folgende Kinder:
 Albrecht (1556–1561)
 Johann VII. (1558–1592), Herzog von Mecklenburg-Schwerin
 ⚭ 1588 Prinzessin Sophia von Schleswig-Holstein-Gottorf (1569–1634)
 Sigismund August (1560–1600), Herzog zu Mecklenburg
 ⚭ 1593 Prinzessin Klara Maria von Pommern-Barth (1574–1623)

Weblinks

Literatur
 Karl Friedrich Pauli: Allgemeine preussische Staatsgeschichte, C. P. Francken, 1762, S. 458
 Dietmar Willoweit, Hans Lemberg: Reiche und Territorien in Ostmitteleuropa: historische Beziehungen und politische Herrschaftslegitimation, Oldenbourg Wissenschaftsverlag, 2006, S. 64 f.

Einzelnachweise

Herzogin (Mecklenburg)
Hohenzoller (Linie Brandenburg-Ansbach-Kulmbach)
⚭Anna Sophie #Preussen
Deutscher
Geboren 1527
Gestorben 1591
Frau


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You are here: Home / Sarasota - Bradenton / Theatre / Broadway / The Summer Mainstage season kicks off at FST with the serenades of a not so traditional Barbershop quartet; Written by John Markus and Mark St. Germain, The Fabulous Lipitones, delivers the story of a broken barbershop quartet seeking their fourth member
The Summer Mainstage season kicks off at FST with the serenades of a not so traditional Barbershop quartet; Written by John Markus and Mark St. Germain, The Fabulous Lipitones, delivers the story of a broken barbershop quartet seeking their fourth member
(Sarasota, FL) — The Summer Mainstage season kicks off at FST with the serenades of a not so traditional Barbershop quartet. Written by John Markus and Mark St. Germain, The Fabulous Lipitones, delivers the story of a broken barbershop quartet seeking their fourth member. The perfect harmony they desire is quickly thrown off key when they see "Bob," for the first time. The Fabulous Lipitones opens in the Gompertz Theatre on June 3. This culture clash comedy plays through June 19. Subscriptions for all three Summer Mainstage shows can be purchased for as little as $39 online at FloridaStudioTheatre.org, by phone at (941) 366-9000, or by visiting the Box Office.
A high note leaves a barbershop quartet without their fourth member just before the national competition. When the voice of "Bob" is heard through the phone the Lipitones are all ears. But when they meet him in person, he's not quite what they expected. A comedy of misunderstanding, stereotypes, and the path to perfect harmony.
Critics are raving. The New York Times says this "Song-stuffed comedy" is like, "Bollywood goes Barbershop." Broadway World says "It's a story that will resonate." NJ Stage agrees telling audiences, "You come for the music and leave with the message."
Taking the reins of FST's production and is Co-writer and Director, John Markus. Having worked in television for over 30 years, Markus is most known for his work as head-writer of The Cosby Show, and Creator of the hit network show, BBQ Pitmasters. Markus speaks to the benefit of directing his own original work stating, "The privilege to direct your own material gives you the chance to guide your script as it travels down the pipeline, through rewrites and rehearsals, all the way to your opening night. You collaborate with actors to shape the characters into authentic, believable, shepherds of your story. You take the greatest risks, knowing you can regroup and fix what doesn't connect to audiences."
Returning to the role of "Bob" is FST newcomer, Levin Valayil. "I have played Bob before and I am so excited to become this character again," said Valayil. "I love playing him because I get a glimpse of what my parents went through when they moved to America, away from all they knew in India. It is a huge risk to come to a place where you may be rejected over and over again, but you take the risk anyway because this is the promised land. Bob is just beginning his journey in America and I enjoy making him a strong, resilient, and savvy character. He has a lot of dignity and pride in who he is. I think we would all like to have that within ourselves. I know I do."
Joining Valayil on stage are returning company members, D.C. Anderson and Scott Wakefield. Audiences may recognize Anderson from his recent role in FST's production of Hairspray. Wakefield last made an FST appearance back in 1995 in Woody Guthrie's American Song. Rounding out the cast is newcomer, Joel Blum. Blum's previous credits include Show Boat, The Music Man, and 42nd Street.
Markus concludes stating, "This is my fourth time directing The Fabulous Lipitones. I've become so connected to this play – the story and these characters that I co-authored – that here at FST, I feel we will be reaching the pinnacle of the comedy and humanity in the story of these four characters. And, hopefully, through the laughter in the play, the hearts of the audience will open enough to hear our subtle message about tolerance and harmony."
Filled with heart, and harmony, The Fabulous Lipitones opens on June 3, 2016 in the Gompertz Theatre. Subscriptions for all three Summer Mainstage shows can be purchased for as little as $39, online at FloridaStudioTheatre.org, by phone at (941) 366-9000 or by visiting the Box Office.
About Florida Studio Theatre
Known as Sarasota's Contemporary Theatre, Florida Studio Theatre was founded in 1973 by Artist Jon Spelman. Starting out as a small touring company, FST traveled to places such as migrant camps and prisons. The company then acquired the former Woman's Club building, becoming the first permanent venue. Shortly after Producing Artistic Director, Richard Hopkins arrived, the building was purchased and renamed The Keating Theatre. In the years that followed, Florida Studio Theatre established itself as a major force in American theatre, presenting contemporary theatre in its five venues: the Keating Theatre, the Gompertz Theatre, the Parisian style Goldstein Cabaret, the John C. Court Cabaret, and Bowne's Lab Theatre.
Even with its growth, Florida Studio Theatre remains firmly committed to making the arts accessible and affordable to a broad-based audience. FST develops theatre that speaks to our living, evolving, and dynamically changing world. As FST grows and expands, it continues to provide audiences with challenging, contemporary drama and innovative programs.
In : Sarasota - Bradenton, Theatre / Broadway
Previous article "VANISHED | Left Behind: Next Generation," Premiere Event Starring Amber Frank (Montana), Dylan Sprayberry and Mason Dye Comes to Select U.S. Cinemas September 28; Fathom Events and EchoLight Studios Present This Event in Theaters for the First Time Featuring a Q&A With Cast/Filmmakers Hosted by Prominent National Speaker and Youth Leader Doug Fields
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Visit Düsseldorf 2021
Arts Advocates retains Mark Ormond as curator, adds two paintings to its collection at his recommendation
BLACKMORE'S NIGHT New Album "Nature's Light" out March 12
Local Swiss artist, LISS SILVERS, featured at upcoming Project Pride SRQ event
Joffrey Studio Series Continues Through March and April
Mote Marine Laboratory releases 9 rehabilitated sea turtles on Florida's east coast


Ruby T. Harris, 98, died Thursday, May 20, 2010. A graveside service will be held 11:00 AM Saturday, May 22, from Maplewood Cemetery, Section 16. A memorial service will be held at a later date. Arrangements are under the care of Hall-Wynne Funeral Service.


text:
package br.com.mlassakoski.xml.entities.models;

public class Studant {

    private String name;
    private String lastName;
    private String phone;
    private Integer code;

    public String getName() {
        return name;
    }

    public void setName(String name) {
        this.name = name;
    }

    public String getLastName() {
        return lastName;
    }

    public void setLastName(String lastName) {
        this.lastName = lastName;
    }

    public String getPhone() {
        return phone;
    }

    public void setPhone(String phone) {
        this.phone = phone;
    }

    public Integer getCode() {
        return code;
    }

    public void setCode(Integer code) {
        this.code = code;
    }

    @Override
    public String toString() {
        return "Studant{" +
                "name='" + name + '\'' +
                ", lastName='" + lastName + '\'' +
                ", phone='" + phone + '\'' +
                ", code=" + code +
                '}';
    }
}

redpajama_set_name: RedPajamaGithub


How long have you been plalying? I have been playing since v8 i think it may have been sooner. I loved this server and when it died i didn't know what server to play so I quit looking for servers and started to play rs again. Once I found out it was up I started playing again and now I have been playing for 2 weeks since it reopened.
Am I trustworthy? I consider myself very trustworthy. I would never steal anybody's thoughts or ideas. If somebody asked me to keep a secret I would act as if I almost don't remember it unless it would hurt the server then I would tell Adrian. I haven't done anything to break anybody's trust yet on this game. This is the only server that i will ever play as well.
Why do I want to be a Moderator? I want to be a mod because if there is one thing i like doing it is helping other people. I only want to be a mod on this server to because this server has the greatest people I have meant and they are all very diverse players. The owners are probably the nicest owners. I'm almost 99 in all skills and I know how to achieve all 99s. I also know where every monster is ingame for people to find. I just love seeing other players like myself that play rapescap3 to be happy. I will do my best to make everybody on this server happy.
What kind of experience do you have as being a player Moderator? I have only been mod on 1 other server and to be honest it really wasn't a server. So i wouldn't consider being mod at all. I just do my best to help people and satisfy their questions.
The length of time you've been playing this server is sufficient.
Although to the question of "Are you trustworthy" you've answered yes, with an exceptional response with hurting the server or in the consult of Adrian. I believe your answer should have been no because that's not being honest and trustworthy, even though it effects the server or not you may take actions to fully fulfill and prevent the issue.
Also, you can love to help people, and be there for others without having a crown next to your name for recognition. Wanting to be moderator only because there is great players along with the diversity of regions of players, isn't a very good reason. Nor does knowing how to achieve all ninety-nines as it doesn't show your skills of authority and skills of tearing apart a situation. Lastly, you can't make the entire server happy by yourself. There are others who love to see people happy, and will do whatever takes to make them happy, not just you.
Lastly, experience helps in your skills although everyone has to start somewhere. Doing your best is helpful but not to satisfy their questions and needs. Not all answers are satisfying.
I apologize for any discomfort you have received in this response. This is fully hearted. All due of respect of your choices and decisions and responses in these simple questions for your moderator application.
I respect your feedback and now i know how to make a better mod application. Thank you for telling me things I do wrong and correcting me.


When we think of the greatest dangers to prayer, we may think of the Devil or the world, which is no friend to grace, but the greatest challenge is our own sin. What are some sins that keep us from praying? Certainly, laziness could be on the list. Taking our cue from the Sermon on the Mount, what two sins does Jesus focus on when it comes to spiritual exercises such as fasting, praying and giving? Hypocrisy and worry. How are those two alike? Both sins are very self-focused.
When Jesus deals with hypocrisy, what does he point out? That the hypocrite loves the eyes of men, he loves attention. The hypocrite wants applause. This is why Jesus focuses on closet prayer as opposed to public prayer. People can often pray publicly, but they don't pray privately because they want the attention. In private prayer you don't have the eyes of men, only the eyes of God.
The second sin Jesus focuses on is worry. The two sins are not exactly alike, but they do have this in common: they focus on self. Worry pulls our thoughts away from God. Worry is often an attempt to solve our own problems. We often worry over things we cannot control. "Martha, Martha you are worried about many things." Instead of sitting at the feet of Jesus, she was in the kitchen chewed up with worry.
How do we fight these two sins? We could come up with many answers how to mortify our flesh, but we are going to use the Sermon on the Mount as our guide. What is the one word Jesus gives us to deal with the sin of hypocrisy and anxiety? The word Father; the Fatherhood of God. Regarding anxiety (v25-34), Jesus reminds us of the Father's providential care and love. He makes a comparison arguing from the lesser to the greater. If God takes care of the lilies and the birds, then, surely, He will take care of you. Aren't you more precious than the lilies of the field? You are a child of God. He's arguing from the Fatherhood of God.
Then Jesus goes on in chapter 7: 7-11 describing how a father loves to give good gifts to his children. Here's another comparison. "If you then, who are evil, know how to give good gifts to your children, how much more will your Father who is in heaven give good things to those who ask him!" So, when dealing with anxiety and worry, the key is your relationship with God your Father.
When dealing with hypocrisy, Jesus again brings up the Father. Your Father sees in secret, He knows, and He will reward you. Dr. Martin Lloyd-Jones underscores the importance of praying to our Father. He says, "Strange as it might seem to start praying begins by saying nothing. If you want any contact with God, if you want to feel His everlasting arms around you, put your hand upon your mouth for a moment. Be still and know that I am God. Be still and think of your Father. Remind yourself of who He is and what He has done for you." The very word father points to intimacy; He is our Father.
Someone has said, "The elephant in the church today is that most Christians worry." But no one wants to admit he worries. Most of us struggle with worry, in one form or another. It shows itself in our lives. Someone once said, "The hardest instruction in the world is: Do not worry." So, how do we fight worry? Perhaps the best strategy is to contemplate the Fatherhood of God. When we are tempted to worry, we need to remind ourselves who God is. He is our Father, committed to our care.


text:
Q: Why are graph databases bad at CRUD operations? I heard that graph DBs are inherently worse at CRUD operations than relational DBs. Is this true? If yes, why is that?
Some thoughts:
To do a crud operation in a realtional DB you basically have to work with one row (best case). This should be quite efficient as long as it is not a columnoriented format (OLAP).
To the best of my knowledge there are 2 popular ways to store a graph:
Either actually storing "objects which point at each other". This would be a natural representation of a graph.
Or storing a table, which lists relations. This would be the non-natural representation of a graph.
In the second case I understand why crud operations are slow: You might have to touch a lot of tables to represent what would just be an update of a single row in a relational schema.
Why is it slow in the first case? To an update or delete you just might have to create/read/update/delete a single object.

A: I think the software is too complicated to give simple yes/ no answers to this question. It also depends on how you define CRUD.
Let's take the "place order" function as an example. When seen from a business point-of-view this is a single atomic action. In a normalized relational database it will likely touch many tables, however. There will be an insert for the order; perhaps updates to customer or shopping cart tables; reads of many related tables to ensure referential correctness. All these statements will (should?) be wrapped in a database transaction. So a single business action becomes many database statements wrapped in a single database transaction.
Were a document database used instead of a relational one likely there would have been a single write. A graph DBMS would sit between these two, being more or less normalized depending on the particular application's architecture.
Looking just at on-disk structures the discussion is more nuanced, too. Inserting a single row to a table seems simple. If there are indexes then likely there will be write amplification. If there is an index split then more so. If the row holds BLOBs these may be stored in separate data structures, or different files. There could be cascading actions through triggers or materialized views. Compression and encryption may incur large CPU consumption.
There are many on-disk structures to support graph-like processing. In one nodes are the basic object and edges become properties of nodes. Edges are stored as pointer-list in the nodes at either end of the edge. So, to create a node would be one write. To create an edge will be two. To insert a row with a foreign key constraint (the nearest equivalent to an edge) will be a read and a write.
On the read side there are swings-and-roundabouts, too. Counting child rows by parent will be a two-table join in the relational world. If edge pointers are stored as a list within the node it's a single node-list scan. Doing is-that-connected-to-this queries (friends of people who know someone that lives in the same city that person can get to by rail within one hour) is easy in graph DBs; it's monstrous in the relational world. For the "R" bit of CRUD, for transitive queries, graph wins hands-down every time.
In conclusion, I question the premise of the title. If milliseconds are precious in your context then test, at scale, on production-equivalent hardware.

redpajama_set_name: RedPajamaStackExchange


Hi all, I'm PlumJucie, the translator of Okitegami. I'll start off by saying that I have NOT read any of NiSiO iSiN's other works. I just haven't had time yet. I also have not watched the live-action adaptation of Okitegami. Here in this blog post, I'm just going to address some of the questions people have had, and also some of my own thoughts while reading it.


Black Sandal Wood View Glasses.
Made of 100% organic Black Sandal wood on both front and sideburns.
Spring and spring hinges made of stainless steel for a perfect fit.
Take a few small screws at the bottom to exchange the lenses for a graded sight or sunglasses in an optic.


As a step-down foster carer, you will provide vital support for children and young people making the transition from residential care to a foster family environment. Sadly, it's often the case that those in care have come from a neglectful background. So we combine both high quality care and clinical psychology to give children with challenging pasts the opportunity to progress and grow up in a stable family home environment, just like any other children of their age.
Why should I consider being a step down foster carer?
An uncertain childhood can leave children with both behavioural and emotional problems, which means they are in need of a specialist level of care. But without the right fostering placements, some children have no choice but to stay in a residential care home, meaning they won't benefit from the support and stability of foster care.
And this is where you come in. We'll be frank, this kind of care can be intense and challenging. But the reward comes from being the person who can offer a sense of security and stability during what can sometimes be a difficult transition and quite a huge period of change. Of course, we're on hand to support you, with training and advice and expert knowledge from child psychology experts.


text:
Sparrow selected for Landmark Breast Cancer Clinical Trial
Michigan, Press Releases Hospital, Medical, Michigan, SparrowHealth
LANSING, MI, February 23, 2022 – The Sparrow Herbert-Herman Cancer Center is the only medical center in Michigan and has joined such national healthcare heavyweights as the Mayo Clinic and Cleveland Clinic in participating in the landmark I-SPY 2 clinical trial for breast cancer patients.
In time for National Cancer Prevention Month, Sparrow recently enrolled its first patient in the trial, which is a major step in the advancement of precision medicine. Sparrow is Mid-Michigan's leader in precision medicine, in which cancer treatment is individualized based on the patient's specific tumor instead of using a one-size-fits-all approach. Any patient who receives care at the Sparrow Breast Cancer Clinic will be screened for participation.
"The fact that an institution that is a mid-sized hospital was able to enroll in this, it is truly a big deal. We are very excited."
Dr. Thais Fortes' colleague, Brittani Thomas, D.O., said the clinical trial highlights the benefits of precision medicine in targeting tumors with pinpoint accuracy, lessening the impact on surrounding tissue and the patient.
"It's a way to target their treatment," Dr. Thomas said. "It matches the patient with less toxicity, less long-term side effects and really the best outcomes."
To learn more about Mid-Michigan's leading-edge cancer team, go to Sparrow.org/Cancer.
Sparrow is Mid-Michigan's premier health care organization that includes hospitals in Lansing, Charlotte, St. Johns, Ionia and Carson City as well as Physicians Health Plan, Sparrow Care Network, Sparrow Medical Group, the Michigan Athletic Club, and AL!VE. Sparrow is affiliated with Michigan Medicine through the Sparrow Children's Center and with Michigan State University's three human health colleges. Through these partnerships and the dedication of our 10,000 Caregivers, Sparrow pursues a vision to be nationally recognized as a leader in quality and Patient experience. For more information, visit Sparrow.org.
SOURCE: Sparrow Health System


Contemporary design with a hint of the best Indian craftsmanship makes this magazine rack add oodles of charm to your room. The elegant curves and rounded bars will become a subtle reminder of your Indian roots. It comes with a storage drawer and space to store more - be it newspapers or books.
Get yourself stylish modern furniture. This exquisite End table will bring a unique charac..
Get yourself stylish contemporary modern furniture. This exquisite Bedside will bring a un..


Many animals all over the world are trained to perform various acts for human entertainment. Examples of this would be elephants doing handstands, dancing bears and monkeys riding tricycles.
What is so bad about animals performing?
What are some better ways to see animals be entertaining?


2010 NYC Zombie Crawl Logo contest and events!! - Zombiewalk.com - Your source for all Zombie Walk and Zombie Flash Mob planning!
2010 NYC Zombie Crawl Logo contest and events!!
We are gearing up for an amazing spring season for zombies! The ground has thawed out and the ghouls can break free and thaw their rotting flesh in the sun! We've got a lot of cool events and a new website on the way but we now need a new logo for 2010! More info on this below, but first here is info on the first zombie event of the season! We'll also be announcing the main event at the end of May in Brooklyn soon too!
Free zombie combat lecture, demonstration, and zombie makeup design!
THE ZOMBIE COMBAT MANUAL: A Guide to Fighting the Living Dead.
Check out the Zombie Combat Club for more on the book!
NYC Zombie Crawl will be on hand, providing makeup for civilians looking to be zombified, with a secret after party TBA! Stay tuned for more info, we're going to have some exclusive video and other cool stuff related to the book soon!
Now for the 2010 Logo Contest; We're looking for zombie designs that incorporate any of the following elements; NYC – Patriotic – Futuristic and/ or end of the world.
The winning logo will not only be used on the new website and all surrounding promo material for the 2010 NYC Zombie Crawls, and receive a lot of cool prizes and acclaim, but it will also be tattooed onto me, the zombie ringleader of the NYC Zombie Crawl!
That's right, just check out the result from the last winner of the NYC Zombie Crawl logo contest, E.J. Matos! His logo was not only made into a banner and used on the website and all the posters and flyers but was also tattooed on my body!
So get those entries into us ASAP, we need to find a winning entry no later than April 20th 2010 for the new website to be ready for the next crawl! Send your entries to info@nyczombiecrawl.com!
In the meantime, check out the cool 15 minute documentary "More Dead Than Alive" that zombie lover and filmmaker John Morgan made about the NYC Premiere of 'Zombieland' with Woody Harrelson. We did a huge crawl through the middle of Times Square and was one of our biggest events to date…we had over 600 Zombies!
See PART 1 here and PART 2 here!
Until we bleed again, remember, Blood is Law!
Sponsored by Halloween Adventure (104 4th Ave @ 11th St, NYC) Mention "Zombie Crawl" when buying makeup and props and you'll get 10% off your purchase all year long!


text:
Covid-19 / Africa
Donald Kipkorir
KTK Advocates, Kenya
Novel coronavirus disease (covid-19) pandemic: handling employment & contracts today & the day after in kenya
The Morning After By Christine De Luca
Let none wake despondent: one way
or another we have talked plainly,
tested ourselves, weighed up the sum
of our knowing, ta'en tent o scholars
We are a citizenry of bonny fighters,
a gathered folk; a culture that imparts,
inspires, demands a rare devotion.
no backtracking; that each should work
and play our several parts to bring about
the best in (Kenya), an open heart.
On or about 11th March 2020, the World Health Organization (WHO) declared COVID-19, the disease caused by the novel corona virus known as "SARS-CoV-2", a global pandemic and thereby set in motion an unprecedented era in the history of the Modern World.
The rise and spread of the Covid-19 pandemic has had a global impact, where the human toll has been significant, and the economic cost is expected to be exponential. We are at the infancy of the pandemic and its full cost is yet unknown
Possible vaccines and some specific drug treatments are under investigation. They are being tested through clinical trials. WHO is coordinating efforts to develop vaccines and medicines to prevent and treat COVID-19.
In the foregoing, we find our clients deeply concerned both on a personal and professional level. Accordingly, to assist our esteemed clients and partners navigate these trying times; we have taken the liberty on preparing a basic advisory on legal issues that may arise for businesses as a result of the COVID-19 pandemic.
Here-in-below, we look at the possible effects of the pandemic on contractual relationships and how to address them to ensure business continuity.
LEGAL ENVIRONMENT
Some of the Statutes and Regulations that will be most relevant to persons and businesses in Kenya at this time include:
The Constitution of Kenya, 2010 - supreme law of the Republic of Kenya that binds all persons and all state organs.
The Employment Act, 2007 - governs the employer-employee relationship by defining and declaring fundamental rights and duties of employer and employees, provides basic conditions of employment and provides for mechanisms to resolve disputes arising in employment.
The Companies Act, 2015 - provides for laws to govern and reorganize businesses in Kenya by making it easier for entities to establish a presence and operate.
The Public Health Act, Chapter 242 of the Laws of Kenya - makes provisions for securing and maintaining health in Kenya. As read together with The Public Health (Prevention, Control and Suppression of COVID-19) Regulations, 2020.
The Public Order Act, Chapter 56 of the Laws of Kenya - makes provisions for the maintenance of public order and for connected purposes. As read together with the Public Order (State Curfew) Order, 2020.
The Preservation of Public Security Act, Chapter 57 of the Laws of Kenya - makes provision for preservation of public security, which includes but is not limited to, defense of the territory and people of Kenya, securing fundamental rights and freedoms of the individual amongst others.
The Penal Code, Chapter 63 of the Laws of Kenya - provides for express criminal penalty.
The Fair Administrative Action Act, 2015
NOTE that the Government will not enact laws to interfere with private contracts. Any laws it will enact will be to ameliorate the situation generally. Dealing with employees or contracts will be the sole responsibility of each business.
EFFECT OF THE PANDEMIC ON COMMERCIAL CONTRACTUAL RELATIONSHIPS
Governments the world over have launched unprecedented public health and economic responses to the COVID-19 pandemic. This has in turn had major effects on small and large businesses, demand and supply chains, global financial markets, imports and exports among others. It appears that for the moment and for the foreseeable future, contractual obligations or at least some parts thereof may prove impossible for parties to perform.
Businesses are likely to be exposed to a heightened risk of legal implications arising across their supply chain. The pandemic will ultimately impact almost every sector due to supply chain issues and suppressed demand resulting from uncertainty, travel restrictions and general disruption to 'business as usual'.
In particular, contractual parties may seek to delay and/or avoid performance (or liability for non- performance) of their contractual obligations and/or terminate contracts, either because COVID-19 has legitimately prevented them from performing their contractual obligations, or because they are seeking to use it as an excuse to extricate themselves from a bad deal.
Parties may also cite the pandemic as a basis for renegotiation of prices or other key contractual provisions due to shifts in supply and demand.
The spread of COVID-19 may also trigger conflict with other legal obligations, such as employers reconciling the steps, they need to take to ensure business continuity with their duty of care towards their employees.
I. LEGAL REMEDIES UNDER THE LAW OF CONTRACT
The law offers a limited range of remedies, for avoiding contractual obligations, where a contract becomes difficult or impossible to perform. Two such remedies are:
the common law doctrine of frustration; and,
the force majeure clause included in contracts.
At common law the doctrine of frustration will operate to terminate a contract automatically when a subsequent event occurs, which is:
(i) unexpected;
(ii) beyond the control of the parties; and,
(iii) makes performance impossible or renders the relevant obligations radically different from those contemplated by the parties at the time of contracting.
The thresh-hold at which an epidemic or pandemic, or events associated with them, can trigger the frustration argument, is when they render performance impossible or illegal or "radically different". Given the dramatic impact of the Covid-19 pandemic, there would appear to be scope for the doctrine of frustration to apply in many cases, depending on all the circumstances.
A party might seek to argue that one or more of the following established grounds operate to found a claim that a contract has been frustrated by the COVID-19 pandemic:
(i) Temporary unavailability – a person (or object) that is essential for performance of the contract is temporarily unavailable. This would most obviously frustrate a contract, where the contractual terms dictate that it was to be performed only at, or within a specified time period, and that the time of performance was the essence of the contract.
(ii) Failure of a specific source – if the subject matter of the contract is to be obtained from a specific source, which becomes unavailable due to no fault of either party. For example, this could arise if goods are extracted from a particular crop which fails due to drought or disease; or where goods are to be imported from a particular country, where import is prevented by factors beyond the parties' control; such as, war, natural disasters, or prohibition of export.
(iii) Impossible method of performance– if the contract provides a method of performance which becomes impossible. NOTE: the courts have held that a contract will not be frustrated where performance is possible by a different method, and the difference between the two methods of performance is not sufficiently fundamental.
(iv) Illegality – if the contract becomes illegal as a result of changes in law. This could be relevant in light of the emergency legislation introduced to deal with the pandemic.
Given the scale and impact of the virus globally, it is possible to see how parties might seek to make the above arguments. Ultimately, whether a party would be successful before the courts would depend on the facts of each case, including as to whether in the particular circumstance's performance is rendered impossible or radically different from what the parties intended.
It is important to keep in mind that the courts have tended to apply the doctrine of frustration narrowly, emphasising that it is not likely to be invoked to allow a contracting party to escape what turns out to be a bad bargain.
The effect of frustration is automatic termination of the contract, if the argument is successful.
Given the limited applicability of the doctrine of frustration, parties will often include a Force Majeure clause in their contracts. Such clauses excuse one (or both) parties to a contract, from performance of their obligations following the occurrence of unexpected events or circumstances which are outside of that party's control.
A typical Force Majeure clause will provide that a party is excused where it is prevented, hindered or delayed from performing its obligations due to the occurrence of an event beyond the reasonable control of the parties.
Force Majeure clauses are designed to help insulate companies from the shock of the unforeseen. In grappling with the unpredictability of the current pandemic, it seems we are indeed facing, for the moment, a force to be reckoned with, where the legal liabilities have yet to be revealed.
The contract may include a list of such events, by way of example or exhaustively; for example, an act of god, war or conflict. It may well include a pandemic, typically by reference to classification by the World Health Organisation (WHO) (such as the COVID-19 classification).
Other common categories of Force Majeure events that may be triggered by the COVID-19 crisis, in particular circumstances, include changes in law or regulation, acts of governmental authorities, the restriction or suspension of licences and permits, and delays in transportation or communication.
A general blanket provision for events beyond a party's control could trigger the clause even if it is not covered by any of the specific categories listed.
What is covered will therefore depend on the precise drafting of the clause. Courts may look to the specific wording of the clause, and depending on the jurisdiction and governing law, may interpret that language strictly.
Whether a party would be successful before the courts will ultimately depend on; the impact of the pandemic on the performance of the contractual obligations, the precise wording of the contract and the Force Majeure clause, as to whether the relevant triggering event must "prevent" performance or meet the lower standard of "hinder" or "delay". Given the fact-specific nature, this is likely to result in disputes.
For example, the ripple effects in a Force Majeure situation can be significant when it comes to supply chains as each party is reliant on the performance of the party before them in the chain. Force Majeure "impairs the ability of the subsequent parties to perform." Therefore, if Party A is impaired, Party B may have a Force Majeure argument, as would Party C, all the way down through the supply chain to the sale of finished products.
A change in economic or market circumstances which makes the contract less profitable or performance more onerous is not generally regarded as sufficient to trigger a Force Majeure clause. So, if, despite the pandemic, both parties remain able to fulfil their contractual obligations, the situation will not be one of Force Majeure.
If, however a party is prevented from performing, because of emergency legislation introduced to deal with the pandemic, this may well lead to a valid claim of Force Majeure.
Depending on how it is drafted, successful reliance on a Force Majeure clause may have some of all of the following consequences:
i. Entitlement to suspend performance while the Force Majeure event continues.
ii. Non-liability for the non-performance or delay in performance while the Force Majeure event continues.
iii. Extensions of any deadlines under the contract while the Force Majeure event continues (for example, to allow for completion of a project).
iv. An express or implied obligation to mitigate, whereby the party seeking to rely on the Force Majeure clause must show that it has taken all possible steps to avoid the Force Majeure event or the impact of its consequences.
v. A right to terminate the contract if the Force Majeure event continues for a specified period.
Force Majeure is also referred to as Act of God or Casus fortuitus.
II. EFFECTS OF THE PANDEMIC ON OTHER CONTRACTUAL PROVISIONS
The pandemic may also give rise to attempts by parties to invoke other contractual provisions, such as:
Price adjustment clause - parties may seek to adjust all or part of the contract price for a commodity due to increased costs; such as increased supply chain strain, as a result of the virus.
Limitation or exclusion clause - parties may increasingly seek to rely upon limitation or exclusion clauses, especially in the absence/inapplicability of a Force Majeure clause, to limit or exclude liability for non-performance.
Change of law clause - a party could rely on a "change of law" clause in a contract, entitling either party to terminate or renegotiate the contract, where a change in the applicable law makes it impracticable or impossible for a party to perform its contractual obligations.
Material adverse change clause – found in some contractual agreements which allow a party to refuse to proceed if certain events occur after the contract date. Whether events related to the pandemic will amount to a material adverse change will depend on the terms of the clause and the specific circumstances. It may be possible to invoke a MAC clause if events have taken an unexpected turn, after the contract was entered into, which has had a dramatic impact in the particular circumstances of the transaction. Given the extreme circumstances resulting from the COVID-19 pandemic globally, this may be an available argument, but it will all depend on the circumstances and the interpretation.
III. CONTRACT TERMINATION
Where a contract has become uneconomic or undesirable as a result of the pandemic, a party may wish to limit its losses by terminating the contract. In these circumstances, it will be important to consider the express termination provisions under the contract and the entitlement to terminate under common law as a result of a party's breach.
Express Termination as provided in the contract - The right to terminate under an express termination clause depends on the exact wording of the provision in question. Is there, for example, a right for one or both parties to terminate on notice and without cause, or are there specific termination rights for one or both parties that are triggered in the circumstances that have arisen (outside of the Force Majeure or MAC clauses), if so, then the entitlement to terminate will be clear.
Termination under Common Law - even where a contract contains express termination provisions, a party may be entitled to terminate under common law as a result of another party's breach. There will be a right to terminate if a party is in repudiatory breach of contract; that is, if the effect of the breach is to deprive the innocent party of substantially the whole benefit of the contract or has clearly demonstrated an intention not to perform the contract in some essential respect.
The termination clause may also specify particular consequences of termination. For example, it may provide for the return (or retention) of any advance payments, and may include a liquidated damages provision or a limitation or exclusion clause as discussed above under section D.
EFFECT OF THE PANDEMIC ON EMPLOYMENT CONTRACTS
Due to the negative effect on businesses, we expect to see the following legal issues now arising with respect to employment contracts:
I. SALARY REDUCTIONS
An employer cannot unilaterally change the terms and conditions of an employee's engagement where such a change is detrimental to the employee. If an employer wishes to implement salary reductions, it would need to obtain the employee's written consent.
Where an employer unilaterally implements such changes, the employee may succeed in a claim for constructive dismissal.
II. REDUNDANCY
We opine that a number of employers will need to declare certain employees redundant. The Employment Act 2007 defines "redundancy" as; "The loss of employment, occupation, job or career by involuntary means through no fault of an employee, involving termination of employment at the initiative of the employer, where the services of an employee are superfluous and the practices commonly known as abolition of office, job or occupation and loss of employment." In Kenya, redundancies are popularly referred to as 'retrenchment'.
The reasons an employer can rely on in a redundancy exercise include;
(i) Work reorganization
(ii) Business transfer issues
(iii) Poor demand of products
(iv) Services of the employee being superfluous
The challenge here will be successfully showing that the services of the employee are now superfluous.
Section 40(a) and 40(b) of the Employment Act, provide for two different kinds of redundancy notifications depending on whether the employee is or is not a member of a trade union
The proper procedure for redundancy as per the Employment Act must be followed noting that redundancy is a process not an event. Therefore, the following must be done:
Where the employee is a member of a trade union, the employer notifies the union to which the employee is a member and the labour officer in charge of the area where the employee is employed of the reasons for, and the extent of, the intended redundancy not less than a month prior to the date of the intended date of termination on account of redundancy;
Where an employee is not a member of a trade union, the employer notifies the employee personally in writing and the labour officer;
The employer has, in the selection of employees to be declared redundant had due regard to seniority in time and to the skill, ability and reliability of each employee of the particular class of employees affected by the redundancy;
The employer has where leave is due to an employee who is declared redundant, paid off the leave in cash;
The employer has paid an employee declared redundant not less than one month's notice or one month's wages in lieu of notice;
The employer has paid to an employee declared redundant; severance pay at the rate of not less than fifteen days pay for each completed year of service.
Further, in the event of redundancy, the associated tax implications of any payouts would also need to be considered.
III. TERMINATION/DISMISSAL
Section 35(1) of the Employment Act 2007 provides that termination of employment can be initiated by either of the parties to a contract of employment.
Lawful termination of employment under common law includes:
1. Termination of employment by agreement - when the employer and employee agree to bring a contract of employment to an end in accordance with an agreement. For example, with a contract of apprenticeship; where the period of training expires, then the contract will obviously come to an end.
2. Automatic termination - a contract of employment may be terminated automatically in circumstances such as death or loss of business of the employer.
3. Termination of employment by the employee/resignation - this happens when an employee due to material breach of the contract by the employer decides to resign from his/her employment. Alternatively, the employee may resign for any other personal or professional reason.
4. Termination of employment by an employer - an employer may also terminate the employment contract of an employee but there is a need to comply with the provisions of the law and the contract relating to termination. A contract of employment may be terminated by an employer on the following grounds:
(i) Gross Misconduct (Employment Act Section 44(3))
(ii) Physical incapacity
(iii) Poor performance
(iv) Employer's operational requirements/retrenchment.
(v) By mutual agreement between the employer and the worker (Industrial Training Act, section 13 (1) (a))
(vi) By the employer when the employee dies before the expiration of the period of employment
(vii) By the employer if the worker is found by medical examination to be unfit for employment. Due to sickness or accident the employee becomes unable to carry out his or her work (Employment Act, section 41(1))
From the foregoing, it is evident that termination because of the COVID-19 pandemic may be challenging unless it is based on III (2) above; that is, loss of business of the employer. The employer must prove this convincingly and conclusively.
IV. LEAVE
The Employment Act provides for rights and duties in employment, which include; annual leave, maternity leave, sick leave, housing, water, food, medical attention and so forth. More importantly, we shall discuss annual and sick leave during this pandemic. The Act provides the following LEAVES.
Section 74 of the Employment Act 2007 provides that the Employer shall keep a written record of all employees employed by him of an employee's annual leave entitlement, days taken and days due. This means that the obligation to know how many leave days the employee has lies squarely on the employer.
Section 28 provides that an employer may, with the consent of the employee divide the minimum annual leave entitlement under subsection (1)(a) into different parts to be taken at different intervals. This means that you may engage an employee to agree that their annual leave days be taken during this pandemic rather than later.
In case an employee is affected by the virus and is in isolation, the law provides that an employee is entitled to sick leave of not less than seven (7) days with full pay and thereafter to sick leave of seven (7) days with half pay, subject to production by the employee of a certificate of incapacity to work, signed by a duly qualified medical practitioner or a person acting on the practitioner's behalf in charge of a dispensary or medical aid centre.
IVb. FURLOUGH
Though not in our Statutes, US has developed the employment practice called FURLOUGH in which in extra-ordinary situations, employees take leave of absence without pay. This is a new tool that employers in Kenya can take recourse to. Both Employer and Employee have to reach a mutual agreement to this situation with promise of return to work when the pandemic ends or is under control.
V. REDUCTION OF WORK HOURS
Should an employer be forced to adopt reduction of work hours and should such reduction in work hours be associated with a pay reduction, the express consent of the employee will have to be sought and obtained.
VI. PLACE OF WORK
The Employment Act requires that employment contracts should state the place of work and it is likely that many existing employment contracts have place of work provisions. Where employees opt or are instructed or requested to work from home or remotely from work because of the outbreak, they are likely to be in breach of this provision under their employment contracts. To avoid any legal issues in the future, we would advise that employers enter into temporary agreements/addendums with their employees allowing for the work from home protocols associated with the mitigation of the spread COVID-19. This pandemic has forced companies to re-think of what an office is: is it the physical or need to work irrespective of locus?
GENERAL MATTERS RELATING TO THE PANDEMIC IN KENYA
Curfew - The Government has imposed a 7.00pm to 5.00am curfew for all persons within the borders of Kenya. The law provides penalties for breaches of the curfew.
Closure of the courts - The Chief Justice confirmed the closure of courts. The Judiciary scaled down court activities that saw suspension of open court hearings across the country. Only matters under certificate of urgency may be filed at this time.
Closure of all land offices and registries - In compliance with the Presidential Directive on COVID-19, the Ministry of Lands and Physical Planning scaled down its operations. Consequently, all lands registries countrywide were closed for twenty-eight (28) days effective 17th March 2020. This also applies to the Department of Survey in Ruaraka.
Fiscal and monetary stimulus packages – On 25th March 2020, the President announced various temporary reductions in taxes to cushion individuals and businesses during the pandemic. Some examples of this reductions include reduction of VAT from 16% to 14% and reduction of PAYE from 30% to 25% and removal of PAYE entirely for persons earning less than KES 24,000/=.
The Governor of the Central Bank of Kenya has allowed the Cash Revenue Ratio to move to 4.25% from 5.25% to afford additional liquidity of KES 35 Billion to commercial banks to directly support borrowers. Notably, the CBK lending rate has dropped to 7.25% from 8.35% meaning loans to borrowers will attract reduced interest rates.
In the present climate, it is of utmost importance that businesses react as fast as possible to mitigate the impact and other risks occasioned by the pandemic and to prepare the organization for the development of the pandemic and the possible scenarios that development will bring. Thereby, being ready to face the challenges and risks and ensure continuity of operations and production through the pandemic.
In 1660, the English Scientist and polymath, Robert Hooke (1635-1703) discovered that displacement of materials under a load was proportionate to the force. Under the Law of Elasticity thus established by his theories, an object returns to its original position once the lad is removed. This return to original form presupposes the fluidity and elasticity of the object.
In this day of COVID-19 pandemic, companies have to adopt the Law of Elasticity such that when the pandemic is under control or ended, they revert to the situations ante. This therefore demands that companies employ their best legal tools to navigate its contracts, both business and employment.
Our advise above, gives you the legal tools to negotiate, re-negotiate and even void the contracts. It also enables you to enter into fresh contracts with your employees, suppliers, debtors and creditors. This can be achieved by Mutual Agreement, Litigation or Arbitration.


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Authority Zero lands at #5 on Billboard Heatseekers Charts
Music News | By Bryan Kremkau on Jul 7th, 2010
Authority Zero released their new studio album, "Stories of Survival", on June 22nd through Viking Funeral/Suburban Noize Records (read my review here). This week, the album debuted on Billboard's Heatseekers Chart at #5 and #43 on the Top Independent Album Chart, making it the highest-charting album of the group's career. You can also see the band live at Brooklyn's Knitting Factory on July 15th! Get your tickets here.
"With music like ours, it's both baffling and a surprise that we're #5 on the Heatseakers Chart, especially in this day and age, where records aren't selling what they used to," commented Authority Zero vocalist Jason DeVore. "We all want to thank our fans for sticking by us and supporting the band over all these years. We put a lot into this new album, so it's cool to see fans and critics reacting to it with positive feedback."
Authority Zero's "Stories of Survival" marks the group's fourth studio effort, as well as the return of original bassist Jeremy Wood and new guitarist Zach Vogel. "Stories of Survival" is also the first release for Viking Funeral Records, an imprint label founded by Pennywise guitarist Fletcher Dragge, Ken Seaton of Hardline Entertainment and Suburban Noize Records.
Authority Zero has posted the final installment of the group's video blog from the studio sessions of their new album:
AUTHORITY ZERO TOUR DATES:
07/07 – Jacksonville, FL – Jack Rabbits
07/08 – Fort Lauderdale, FL – Culture Room
07/09 – Orlando, FL – Backbooth
07/10 – Fort Meyers, FL – Backwoods Bar and Grill
07/12 – Charlotte, NC – Tremont Music Hall
07/13 – Virginia Beach, VA – H20
07/14 – Cleveland, OH – Peabodys
07/15 – Brooklyn, NY – The Knitting Factory
07/16 – Pittsburgh, PA – Altar Bar
07/17 – Chicago, IL – Cubby Bear
07/18 – Iowa City, IA – Yacht Club
07/20 – Omaha, NE – The Waiting Room
07/21 – Denver, CO – Marquis Theatre
07/22 – Colorado Springs, CO – The Black Sheep
07/23 – Albuquerque, NM – Launchpad
07/25 – San Diego, CA – Cricket Wireless Amphitheatre
08/07 – San Bernardino, CA – National Orange Show
Authority Zero, Billboard, Billboard Heatseekers Charts, Jason DeVore, punk rock, Stories of Survival, Suburban Noize Records, Viking Funeral
Previous: Concert Tickets On Sale: Week of July 5th 2010 (updated)
Next: Social Distortion announce more Fall tour dates with Frank Turner and Lucero


The local daily had a good article in Sunday's paper about the perspective of Wisconsin's senators regarding the impending showdown on federal judicial nominations, and the potential nuclear option by Republicans.
What's interesting is it seems many GOP members of Congress believe (wrongly IMHO) the recent decisions by judges on the Schiavo case are going to decrease public confidence in the judicial branch.
In fact, many of the judges who rebuffed the case are conservatives, some of whom were even appointed by President George W. Bush.
So much for the idea that this is an example of that tired old argument of "liberal activist judges" writing law from the bench.


Promise to Pay. You promise to pay us any and all amounts borrowed or advanced under this Agreement, plus any Finance Charge, or any other charges or amounts due. You agree to pay us the charges incurred by the use of the charge card when a periodic statement reflecting those charges is received.
Types and Limitations of Transactions. You may use your account to purchase goods and services wherever VISA credit cards are accepted. You may use your account to get a cash advance from us or any other participating financial institution. You may use your card to obtain Cash Advances at any ATM or financial institution that honors VISA. You agree to follow all procedures required by us or any merchant which honors your account. You may not obtain a Cash Advance if your account is delinquent, closed or the amount of the advance would cause you to exceed your credit limit.
Credit Review and Limit. You authorize Garden Savings Federal Credit Union to obtain a Consumer Credit report from one or more Consumer Credit reporting agencies (credit bureaus) to update, review or extend credit on your account. We will establish your credit limit and from time to time may adjust your limit at our sole discretion. Your limit is identified each month on your statement. You agree not to exceed your credit limit and if you temporarily exceed your credit limit, you agree to repay the excess immediately, even if we have not billed you. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Monthly Statements. The Credit Union VISA Agreement provides open-end disclosures in accordance with the Truth in Lending Law. Each month, we will send you a statement identifying any purchases, advances, payments, and/or credits made to your account during the billing cycle, as well as your "Previous Balance" and "New Balance". Your statement will identify your "Required Payment Due" and "Date Payment Due". You may pay your balance in full within 25 days of your billing date, or you may repay in monthly installments.
Minimum Payments. If you choose to repay your account in monthly installments, the minimum periodic payment will be 3.0% of the unpaid balance or $25, whichever is greater. Balances of $25 or less must be paid in full. The minimum payment due may include amounts past due plus any fees owed and amounts owed above your Authorized Credit Limit. The amount you must pay will be shown as "Required Payment Due".
Payment Distribution. We will apply your payments first to the Finance Charge on both purchases and advances, then to: a) Any credit insurance premiums due, b) Any charges or fees due, c) Previous charges and advances, d) Current charges and advances beginning with the highest APR debt paid first followed by all subsequent debt in descending rate (APR) order.
Finance Charge. The "Total Finance Charge" shown on your monthly statement consists of the Finance Charge on purchases plus the finance charge on cash advances. A Transaction Finance Charge on cash advances will be assessed when the advance is made. This is identified on your monthly statement as a "Cash Advance Transaction Finance Charge". This charge may be equal to the monthly periodic rate multiplied by the amount of the cash advance if the "New Balance" shown on your statement is paid in full by the due date. A Finance Charge on the average daily balance of purchases will be assessed from the date the purchase transactions posted to your account unless the "New Balance" shown on your previous statement was paid in full on or before the date shown. If you elect to pay your account in installments, or do not pay in full by the due date on your monthly statement, balance of your unpaid purchases and advances, excluding you shall pay a periodic Finance Charge on the average daily unpaid cash advances for the billing period in which they were made.
Annual Percentage Rate/Periodic Rate. The monthly periodic rate shown on your statement is based on the Annual Percentage Rate (APR) assessed on your account. The APR shall be subject to change at the sole discretion of the Credit Union Board of Directors and subject to The Change in Terms Provision of this Agreement. Any increases or decreases in the APR shall result in an increase or decrease in either the number or the amount of payments necessary to pay the account balance.
Balance Subject to Finance Charge. The monthly balance subject to finance charge is identified on your statement as "Cash Advances" and "Purchases Average Daily Balance" and "Balance Transfers". The Finance Charge Assessed shall be accrued from the date of the advance to the next statement date. The "Purchases Average Daily Balance" is determined by adding, after subtracting all payment and credits, all the outstanding purchase balances for each calendar day of the billing period, and then outstanding purchase balances for each calendar day of the billing period, and then dividing the total by the number of days in that billing period. Purchases posted to your account during the billing period are included only if the "New Balance" on your previous statement was not paid in full by the due date shown. Return checks, annual and other fees, are not included in the Average Daily Balance calculation method.
Entire Balance Due. If you fail to pay as agreed on this account or any other credit union account, fail to comply with any provision of this Agreement or any other Agreement you have with us, including those providing for Credit Union Membership, or if you provide us with false information or signature, or if you die, become insolvent, or file bankruptcy, we may declare your entire membership balance due and payable at once without notice or demand. We may also do this if you have made any misrepresentations to us in applying for credit, or if anything happens that indicates to s that you may be unable or unwilling to repay the loans under this agreement.
Research and Copying. If you ask us to examine or research your account, or provide copies of documents, we may charge you $ 5.00 per copy and $ 25.00 per hour for research. If the research and copy is to resolve a billing, then NO CHARGE will be assessed.
Collection Costs. We may pay someone else to help collect on your account if you do not pay as agreed. You will pay us that amount; this includes reasonable attorney fees and court costs, whether or not there is a lawsuit, including fees on any appeal. This shall also include any rewards and/or bonus paid to a third party to retrieve your card. You will also be required to pay collection costs of 20% of the outstanding principal and interest balance in addition to any and all charges assessed by VISA International as a result of your default.
Late Fee. You will be charged $ 30.00 after the 25 day grace period.
Returned Payment Fee. We will add a $ 30.00 fee to the standard purchase balance when a payment check or similar instrument is not honored; when we must return it because it cannot be processed; or when an automatic debit is returned unpaid. At our option, we will assess this fee the first time your check or payment is not honored, even if it is honored upon re-submission.
Lost or Stolen Cards. You agree to notify us immediately at 973-576-2000 or After Hours at 1-800-991-4961, of the loss, theft, or use without your permission of any card or other credit instrument we supply to you. You will not be held liable for unauthorized use that occurs after you notify us orally and/or in writing at the address or telephone number in the "Billing Rights" portion of this Agreement.
Changes in Terms and Conditions. The credit union may change and/or modify the Terms of this Agreement. By your signature on your card for use of your account, you consent that we may change or modify the terms in this Agreement. Notice of these changes may be sent to you as required by law. These changes may apply to your new purchases and advances and to any outstanding balances. We will mail notice of such changes to you at your address shown on our records.
Change of Address. If you move or change your mailing address, you agree to promptly give us your new address. All written notices and statements from us to you will be sent to your address shown on our records.
Security Interest. To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods your purchase under this account. If you default, you waive the right to recover any of these goods that have not been paid for through our application of payments in the manor described in Article 6. You grant us a security interest in all existing and future funds in all your savings, checking, and/or Certificate Accounts with the credit union. You agree that the collateral securing other loans under previously signed Security Agreements shall also secure your VISA Loan.
Cancelling this Agreement. We may terminate or suspend your credit privileges under this Agreement at any time, at our sole discretion, without demand or notice. Any card or other negotiable instrument issued under this Agreement is our property and you agree to return the card and/or other negotiable instruments and pay the outstanding balances and pay the outstanding balance on your account in full.
Termination of Rights. Your rights under this card and credit may be terminated if you fail to make any minimum payment on the required payment date that is set forth in your monthly statement. Also, if your ability to repay is reduced by changing your employment, and increase in your financial obligations, bankruptcy or insolvency proceedings regarding you, your death or failure to abide by this Agreement, or if the value of the security interest materially declines, we have the right to demand immediate payment of your full account or balance subject to our giving you any notice required by law.
Account Statement. Unless you notify us of a billing error, or problem with your account within 60 days of when we send you the statement on which the error or problem appeared, you accept your statement as an accurate statement of your account with us.
Transfer of Account. You cannot transfer your account to any other person.
Honoring the Card. Neither we, nor the merchant authorized to honor the card, will be responsible for the failure or refusal of anyone to honor the card or any other credit instrument we supply to you.
Returns and Adjustments. If you have a credit balance, we will hold and apply this credit balance, against future purchases and cash advances, or refund it to you, upon your written request.
Irregular Payments. We can accept late and/or partial payments, or checks and money orders marked payment in full, without prejudice to our rights under this Agreement, which are hereby explicitly reserved.
Delay in Enforcement. We can delay enforcing any of our rights under this Agreement without losing that right or any other right.
Severability. If any provision of this Agreement is held invalid, all provisions that are severable from the invalid provision remain in effect.
Multi-Currency Conversion. Transactions made in foreign countries will be billed to you in US Dollars. Conversion to US Dollars is determined by a rate selected by VISA from the applicable central processing date, which rate may vary from the rate VISA itself receives of the government-mandated rate in effect for the applicable central processing date plus one percent currency conversion fee.
Single-Currency Conversion. Transactions made in foreign countries processed in US Dollars are known as Single-Currency Transactions. Single-Currency Transactions are not subject to an International Service Assessment (ISA) Fee. The Single-Currency ISA Fees will appear as a separate item on your statement for each transaction completed in a foreign country in US Dollars. It is important to note that the Transactions conducted in US Military Bases, Territories, Embassies or Consulates, and fund transfers will not be subject to the .80% ISA Fee.
Illegal Activities and Card Use. I agree not to use my card or account to engage in activities deemed illegal by Federal and/or state laws, including but not limited to Internet gambling. If I use my card or account to engage in certain activities deemed illegal by Federal and/or state laws, I understand that I will be liable for any resulting advance made by the use of my card or account. Should illegal use occur, I agree to waive any right to sue the credit union for such illegal use or any activity directly or indirectly related to it. I agree to indemnify and hold harmless the credit union from suits or other legal action or liability, directly or indirectly resulting from such illegal use.
You agree not to tell or disclose your PIN to any other person.
You agree not to write your PIN on your card.
You agree not to keep a written record of your PIN near your card. This means you agree not to keep your PIN in the same wallet, cardholder, envelope, or place where you keep your card.
Governing Law. The laws of the State of New Jersey shall govern this Agreement.
Keep this important notice for future use. This notice contains important information about your right and responsibilities under the Fair Credit Bill Act.
Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at 973-576-2000, but doing so will not preserve your rights.
Describe the error and explain, in detail, why you believe there is an error. If you need more information, describe the item you are not sure about.
If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter much reach us three (3) business days before the automatic payment is scheduled to occur.
As a condition for the approval of your credit card account, by signing below, you grant us a security interest in all individual and joint accounts you have with us now and in the future to secure your credit card account. You authorize us to apply the balance in these account(s) to pay any amounts due under this Agreement if you should default.


This is an original, vintage catalog. Date, if known, is listed in the title. Approximate size 8.5" x 11". 63 pages. Covers have shelf wear like creases, dings, scuffing, etc. Interior has a few small dings, but otherwise solid and complete.


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IRS completes health penalty rules
A day of coverage per month for nine months counts. Medicaid for pregnant women might not.
By Allison Bell | August 27, 2013 at 09:01 AM
Pregnant women who get Medicaid coverage could still end up owing penalty payments. (LHP photo)
Who will really have to pay the penalties to be imposed on the uninsured next year?
Allison Bell
Allison Bell, ThinkAdvisor's insurance editor, previously was LifeHealthPro's health insurance editor. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached at abell@alm.com or on Twitter at @Think_Allison.
Life insurance: Not enough have it, and many don't have enough
More than 60 percent of workers have either no life insurance or less than industry-recommended coverage amounts.