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Καλεσμένος στην Αμερικάνικη ραδιοφωνική εκπομπή Midnight in the Desert με την Heather Wade.
Home Δημόσιες Παρουσιάσεις-Σεμινάρια-Εργαστήρια Καλεσμένος στην Αμερικάνικη ραδιοφωνική εκπομπή Midnight in the Desert με την Heather Wade.
Δημόσιες Παρουσιάσεις-Σεμινάρια-Εργαστήρια 30 Ιανουαρίου, 2018
Θέμα της εκπομπής: "Spirit Attachments"
Για δεύτερη φορά είμαι περήφανος που είχα την τιμή να είμαι φιλοξενούμενος της εκπομπής Midnight in the Desert της Heather Wade. Μια εκπομπή που κυρίως καταπιάνεται με το μεταφυσικό και έχει πολλές φορές εκλεκτούς καλεσμένους μεταξύ άλλων Michio Kaku, Uri Geller, Dean Radin, Edwin May, Dannion Brinkley, Joe McMoneagle, Dennis McKenna, Stephan Schwartz, Gary Schwartz, Jeffrey Mishlove, Jeffrey Long, Robert Bruce.
Αισθάνομαι πραγματικά ιδιαίτερη τιμή γι' αυτό και χαίρομαι που επιτέλους μετά από πολλά χρόνια σκληρής δουλειάς πάνω στο «μεταφυσικό» αναγνωρίζεται η συνεισφορά μου στην κατανόηση της ανθρώπινης συνείδησης και των εξαιρετικών εκδηλώσεων της.
Η συνέντευξη μπαίνει στο θέμα μας στο 24:34 λεπτό.
https://www.hypnoscopesis.gr/wp-content/uploads/2018/01/MidnightInTheDesert-20180123-tuesday.mp3
gender dysphoriaHeather Wademidnight in the desertNassos KomianosREARSpirit AttachmentsSpirit Possesion
Death and Personal Survival
Robert Almeder has clearly summarized an extensive body of evidence and argued its merits with the skill of a professional philosopher. Ian Stevenson, University of Virginia ISBN: 0-8226-3016-8
Life Before Life: A Scientific Investigation of Children's Memories of Previous Lives
For the past forty years, doctors at the University of Virginia Medical Center have conducted research into young children's reports of past-life memories. Dr. Ian Stevenson, the founder of this work, has always written for a scientific audience. Now, in…
Exploring Reincarnation: The Classic Guide to the Evidence for Past-Life Experiences
Written by one of the world' s leading authorities, "Exploring Reincarnation" examines the full range of explanations for past-life recall. This definitive study includes case histories from around the world, as well as intriguing theories about the…
This book presents the most complete survey to date of the evidence, both historical and contemporary, for survival of physical death. It looks at the question of what survives, in particular exploring the question of consciousness as primary to and…
Varieties of Anomalous Experience: Examining the Scientific Evidence
What are the long-term effects of near-death experiences? Why do some people see sounds and taste smells? What happens during an out-of-body experience? These extraordinary and unusual phenomena have often been ignored or ridiculed by mainstream psychology. In this fascinating…
Other Lives, Other Selves: A Jungian Psychotherapist Discovers Past Lives
Written for the same market as the multi-million-copy bestselling Life After Life, this book is a provocative look at the revolutionary technique of past life regression, with compelling case histories and personal testimonies of physical, mental and spiritual healing….
What are the long-term effects of near-death experiences? Why do some people see sounds and taste smells? What happens during an out-of-body experience? These extraordinary and unusual phenomena have often been ignored or ridiculed by mainstream psychology. In this…
Books that will change your life.
Here I will provide some of the books that I think are very useful. As you may have understood in our field of work we are at the borderline of scientific endeavour and are looked upon with contempt by the…
Irreducible Mind: Toward a Psychology for the 21st Century
Practically every contemporary mainstream scientist presumes that all aspects of mind are generated by brain activity. We demonstrate the inadequacy of this picture by assembling evidence for a variety of empirical phenomena which it cannot explain. We further show that…
Extraordinary Knowing: Science, Skepticism, and the Inexplicable Powers of the Human Mind
Prompted by a personal experience she interpreted as evidence for extrasensory perception, the late author embarked on an exploration into research on the subject. Mayer, who was a psychoanalyst by profession, in this work recounts her journey, which involved collecting…
Regression Therapy: A Handbook for Professionals
"At last, the fruits of research in this fascinating field have been harvested by a wise therapist for other professionals. This clear & comprehensive book will appeal to lay readers, as well."–Marilyn Ferguson, Brain-Mind Bulletin. In Volume I, thirteen…
Ζώντας σε ένα Ξένο Σώμα…
Στα πλαίσια του Ετήσιου συνεδρίου της Ένωσης Ευρωπαίων Αναδρομέων Θεραπευτών που έγινε το 2013 στην Roosta της Εσθονίας παρουσιάσα συγκεκριμένες διαστάσεις του θέματος της δυσφορίας Φύλου. Η δυσφορία φύλου, ή, Διαταραχή Ταυτότητας Φύλου όπως ορίζεται από τους ψυχιάτρους, είναι η…
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Voters deserve to know who is paying for political attack ads
Updated Apr 03, 2019; Posted Aug 07, 2010
By Jeff Cranson | The Grand Rapids Press
Children are taught that if they cannot say anything nice about someone, they should say nothing at all.
That would be an impossible standard in politics. But it seems fair to at least ask the people saying the bad things to stand in the public square so we know who they are.
Leading up to Tuesday's Michigan primary, a record amount of money was spent by "interest" groups, the kind that operate free from disclosure mandates, often classified as a nonprofit in the tax code with 501 (c) (4) or (6) status.
All of this comes as Democrats in the U.S. Senate advocate for a vote on the Disclose Act to require such groups to report their funding sources.
Republicans oppose the measure, saying it's a political move by Democrats to rescue their November campaigns.
That may be true.
But everything in Washington is framed as a partisan issue. In fact, research and documentation on ads run by Michigan's Democratic Party and labor groups show the lack of disclosure benefits their side, too.
Think "Sleepy Taylor" and the 2008 Supreme Court campaign.
The lack of issue-ad disclosure benefits everyone except the
voters.
After July 4, interest groups outspent the gubernatorial campaigns in Michigan, said Rich Robinson, executive director of the Michigan Campaign Finance Network, a watchdog group funded by The Joyce Foundation in Chicago and contributions from Michigan citizens.
"Sixty percent of what viewers in the Detroit media market saw after July 4 were bogus issue ads with no financial accountability," Robinson said.
"And the ads really do sway voters."
The last time the governor's seat was open, in 2002, Robinson said the only major "issue" group involved was the St. Clair County Democratic Party, which paid for
$2 million in ads supporting Democrat David Bonior, running against former Gov. James Blanchard and eventual Gov. Jennifer Granholm in the primary.
In 2006, the Michigan Democratic Party ran $3.2 million in issue ads by primary day.
Robinson calculates $3.9 million has been spent for the 2010 primary. Some late buys by many groups may have been missed.
"We know how much we don't know, and it's a lot," Robinson said.
With it unlikely the Senate legislation will move, Robinson thinks the focus should be on the courts.
Robinson thinks some of the issue ads run during the primary campaign for governor "have clear inference" of support or opposition to a specific candidate.
In West Michigan, some of the most prolific were the conservative Club for Growth's ads painting Republican state Sen. Bill Hardiman as a likely lackey for Democratic House Speaker Nancy Pelosi if he made it to Congress. The Club for Growth PAC ads never say who or what they support, only what they don't like.
Also played extensively here were ads attacking GOP gubernatorial candidate Pete Hoekstra, paid for by Americans for Job Security, a conservative suburban Washington, D.C. group that evolved from a U.S. Chamber of Commerce organization and with ties to the producers of the Swift Boat ads.
The same group targeted 3rd Congressional candidate Justin Amash with fliers late in the campaign. The group's innocuous-sounding name is on the mailer, but a voter has no way of knowing the funding source behind it.
What was arguably the state's most important primary election in decades saw barely 23 percent of those eligible turning out to vote. We can blame hot weather and summer vacations for the abysmal lack of participation in democracy, but there's no doubt the attack ads zapped voters' enthusiasm.
"I think it's very dispiriting to people," Robinson said.
If our country's chronic lack of engagement can be traced at all to voter skepticism, the issue ads bear at least some of the blame.
E-mail Jeff Cranson: jcranson@grpress.com and follow him on Twitter at twitter.com/jdcranson

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THE BIG YEAR
By Admin	| October 20, 2011
You know something's up when a studio spends millions of dollars on a picture's ads and trailers all the while desperately trying to keep you from finding out what it's about. In this case, Fox plays up the presence of popular comic actors Steve Martin, Jack Black and Owen Wilson but plays down-way, way down-the nature of the hijinks in which they're being paid to engage.
The studio should have had more faith in the material and its target audience because The Big Year, though hardly destined for box office domination, is an eccentric and frequently charming trifle more entertaining by far than many of the movies its prolific stars have made.
The film's shameful secret? It's about birding. More specifically, it deals with the real life annual contest referred to in the title in which hobbyists compete for the honor of having sighted the largest number of species within the geographical limits of North America over the course of a single twelve month period. There is no prize money at stake. What's at stake, we come to find, are jobs, bank accounts and marriages.
Martin plays Stu Preissler, a business tycoon who's ready for a different sort of life but constantly is pulled back in by underlings (Joel McHale and Kevin Pollak) who require his guidance as they negotiate a sensitive merger.
Black-are you sitting?-snaps a long losing streak with his dialed down performance as nuclear power plant engineer Brad Harris, whose wife has left him due to his ornithological obsession. He's moved back in with his parents to regroup. Dad is played by Brian Dennehy so you can imagine his reaction to the news that the 36 year old plans to run off to spot birds for a year armed only with a pair of binoculars and a pocketful of their credit cards.
Wilson costars as the Babe Ruth of The Big Year. He's Ken Bostick, whose record total of 732 has made him both a legend and a target. He's married to a beauty played by Rosamund Pike. All she wants in the world is for him to stay home and make a baby. He, on the other hand, feels drawn to the great outdoors in order to protect his crown. In one scene, he literally leaves Pike in mid-make out session after receiving news of a rare bird's location. Which seemed closer to fantasy or science fiction than comedy to me. But I digress.
The movie is based on Mark Obmascik's 2004 nonfiction book of the same name and directed by David Frankel (The Devil Wears Prada). The script by Howard Franklin is perhaps its most winning asset. He steers clear of the predictable (bird poop gags, portraying the hobbyists as geeks), sets a tone of convivial rivalry, tosses in the occasional twist and keeps the funnier-than-average dialogue flying.
In addition to some spectacular nature cinematography and a parade of exotic winged creatures, the film offers subtle insights. For example, Stu, Brad, Bostick and their fellow plummage-seeking pilgrims at first come off as compulsives-borderline fanatics. One can easily see them on Birders, an exploitative reality show along the lines of Hoarders.
As we get to know them though, it becomes clear they're simply following their outsider bliss. They're answering the same sort of inner call which mysteriously summons their feathered friends to migrate across vast distances each year.
As I watched the film, I couldn't help contemplating what a director such as Wes Anderson might have created out of the same material. Frankel has not quite realized its full oddball potential. Nonetheless, The Big Year is indisputably a far more rewarding 90 minutes than most are likely to suspect; and that includes most of the folks employed in the promotional division at Fox.
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Q: Updating variables in VB I want to increase the ordinal number of the guess for the current game cycle by 1. i have set the value initially at 0 but it doesnt update after 1
Same goes for number of trys. i have set the value at 21. but as soon it updates until 20 but not after that
   Option Strict On
Option Explicit On
Public Class Form1
    Private ReadOnly rand As New Random
    Private value As Integer

    Private Sub Form1_Load(sender As System.Object, e As System.EventArgs) Handles MyBase.Load

        Me.value = rand.Next(minValue:=1, maxValue:=30)

    End Sub

    Private Sub Button1_Click(sender As System.Object, e As System.EventArgs) Handles Button1.Click
        Dim guess As Integer        'guess number
        Dim numTry As Integer       'No. of trys
        Dim RandNo As Integer       'Random Number
        Dim OrdNo As Integer        'Ordinal Number
        Dim Score As Integer        'Score

        Score = 0 'Initial value of score set as 0
        OrdNo = CInt(1)  'Initial value of ordinal set as 1
        numTry = CInt(21)
        guess = CInt(TextBox1.Text)
        OrdNo = +1
        Label5.Text = CStr(OrdNo)

        'Show Message Box if the guess is not within the range
        If 1 > guess Then
            MessageBox.Show("Input within the range (1-30)", "Error", MessageBoxButtons.OK)
            Exit Sub
        End If

        'Show Message Box if the guess is not within the range
        If guess > 30 Then
            MessageBox.Show("Input within the range (1-30)", "Error", MessageBoxButtons.OK)
            Exit Sub
        End If

        'Display result and message when guess is larger than the lucky number
        If guess > Me.value Then
            Label11.Text = CStr(guess)
            Label10.Text = "The Lucky Number is smaller than your guess"
            OrdNo = OrdNo + 1
            Label5.Text = CStr(OrdNo)
            numTry = numTry - 1
            Label4.Text = CStr(numTry)
        End If

        'Display result and message when guess is smaller than lucky number
        If guess < Me.value Then
            Label11.Text = CStr(guess)
            Label10.Text = "The Lucky Number is larger than your guess"
            OrdNo = OrdNo + 1
            Label5.Text = CStr(OrdNo)
            numTry = numTry - 1
            Label4.Text = CStr(numTry)

        End If

        'Display result and message when guess is equal to the lucky number
        If guess = Me.value Then
            Label11.Text = CStr(guess)
            Label10.Text = "Congratulations ! This is the lucky number"
            Score = +10 'Increase the score by 10
            Label6.Text = CStr(Score)
            numTry = numTry - 1
            OrdNo = 1
            Me.value = rand.Next(minValue:=1, maxValue:=30)

            If numTry = 0 Then Application.Exit()

        End If

    End Sub

End Class

A: In your Button event-handler, RandNo is always Zero. Take into account that the lifetime of the variable with the same name RandNo that is declared in the Form Load event-handler, only remains to that method.
To avoid that, follow these steps:
First (but optionally), use the Random Class, ensure to initialize it just once (otherwise you can get repeated numbers as explained in the MSDN documentation).
Secondly, declare the Integer variable that will store the random value just once, in the same way outside of the scope of a method block, assign its value and work done:
Public Class Form1

    Private ReadOnly rand As New Random
    Private value As Integer

    Private Sub Form1_Load() Handles MyBase.Load

        Me.value = rand.Next(minValue:=0, maxValue:=100)

    End Sub

    Private Sub Button1_Click() Handles Button1.Click
        ' Do what you want with Me.value
        '...
    End Sub

End Class

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Tag Archives: Danny DeVito
383 – Matilda the Musical
Listen on the players above, Apple Podcasts, Audible, Google Podcasts, or Spotify.
The stage musical adaptation of Roald Dahl's 1988 novel, Matilda, about a young girl with hyperintelligence, telekinetic powers, uncaring parents and a terrifying headmistress, premiered in 2010 and has gone on to achieve enormous popularity, as well as seven Olivier Awards and five Tonys. This cinematic adaptation features the same music and the same director as the stage version, but does it have the same magic?
This entry was posted in Podcasts and tagged Alisha Weir, Andrea Riseborough, British, Danny DeVito, Dennis Kelly, Emma Thompson, Lashana Lynch, Matilda, Matilda the Musical, Matthew Warchus, musical, Roald Dahl, Stephen Graham, Tim Minchin on Jan 6, 2023 by michaeljglass.
254 – L.A. Confidential
Listen on the players above, Apple Podcasts, Google Podcasts, or Spotify.
A corrupt police force intersects with the glamour of Hollywood in L.A. Confidential, the tightly-plotted neo-noir that won the Oscars for Best Adapted Screenplay and Best Supporting Actress in a year dominated by Titanic, and established the status and careers of Russell Crowe, Guy Pearce and Kevin Spacey. Over twenty years since its enormously successful release, does it hold up? We discuss its basis in the real history of L.A. and its sense of place, whether the screenplay deserves its plaudits, how it functions as a noir and more.
This entry was posted in Podcasts and tagged crime, Curtis Hanson, Danny DeVito, Guy Pearce, Hollywood, James Ellroy, Kevin Spacey, Kim Basinger, L.A., L.A. Confidential, neo-noir, noir, police, Russell Crowe on Oct 14, 2020 by michaeljglass.
145 – Dumbo (2019)
The latest of Disney's CGI-driven remakes of its classic hand-drawn films, Dumbo features a rather cute elephant with too little screen time and two abysmal child actors with far too much. Tim Burton is on paper the ideal director to mine the circus setting for visual and situational surreality, splendour, and threat, and to a degree he does, but in comparison to the work that gave him his signature – Beetlejuice, the Batman films and Edward Scissorhands – Dumbo is milquetoast to say the least. It's a film of rote sentimentality and far too little humour, clumsily treading that weird Disney line of plagiarising its own classics in the name of reimagining them, and despite a flourish here and there, and the best efforts of Michael Keaton and Danny DeVito to inject their scenes with life – and the considerable cuteness of the cute little cute elephant – its emotional sterility and lack of imagination are summed up in the way it concludes by setting Keaton's mad futuristic circus entirely ablaze, a pointless climax, full of sound and fury, signifying nothing.
But the elephant is quite cute.
The podcast can be listened to in the players above or on iTunes.
This entry was posted in Podcasts and tagged Alan Arkin, Colin Farrell, Danny DeVito, Disney, Dumbo, Eva Green, Michael Keaton, Tim Burton on Apr 26, 2019 by michaeljglass.


It's freezing outside! Are your faucets prepared?
Whatever you call them - hose bibs, spigots, taps, faucets, yard hydrants – we've all got them around the exterior of our homes but do you really know how they work? Do you know why, at this time every year, I remind everyone who will listen to me to please remember to unhook your garden hoses from them?
OK I get it...I really do. You're thinking "why did this guy spend part of his day writing a blog about hose bibs?" I'm writing about them because they're important and also because I couldn't think of anything else to blog about this week.
Garden Hoses - First and foremost I want to get this out of the way early on in case you people stop reading before you get to the end – if you still have garden hoses connected to your hose bibs unhook them now. That means stop sharing this amazing blog post with all your friends and go do it…right now! If you leave garden hoses hooked up the following could happen...don't say I didn't warn you.
What is Frost-free? - A frost-free hose bib has a stem that's 6 to 12 inches long that extends from the exterior wall of your home through the band into your basement. It prevents cold weather from freezing your pipes because the stem washer & seat valve reside inside your home where things are hopefully warm and snuggly. What this means is when you shut the valve off the water is actually stopped inside your home not at the handle outside.
Almost as important as the hose bib itself is how it's installed. There should be a slight downward pitch to the valve (sloping out towards your yard). This allows whatever water is left in the 6 to 12 inch long pipe to drain out. This, my friends, is why it's important to unhook garden hoses from hose bibs. With a hose still attached water will not drain out and can freeze and cause the pipe to burst.
As an added benefit the hose bib typically includes an anti-siphon system that stops water or other liquids from being siphoned back into the water supply. This is only relevant if you're an idiot or you're a bad guy from a James Bond movie and have a garden hose that is connected to your hose bib with the other end resting in a bucket full of gasoline or some other toxic liquid chemical.
Do you have a frost-free hose bib? - Building codes require that our homes have frost-free exterior hose bibs so that's likely what you have. I recommend though that you double check, especially if you live in an old home or are just concerned. The sure-fire way to tell is to look up inside the spout. On a frost-free hose bib you'll see a metal stem running from the handle (like a metal dowel rod) back into your home. On a hose bib that isn't frost-free you'll be able to see valve components open and close when the handle is turned. If you see valve components opening and closing call a plumber and get it replaced with a frost-free valve.


text: Projects for my kid

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NBC's Season 4 of The Voice is in its final week of blind auditions! Tonight the competition is fierce as the coaches are getting closer to completing their teams of 12.
The mother of two, who is a classically trained pianist and a backup singer for John Legend, Alicia Keys and Christina Aguilera, clearly impressed the judges with the first four chair turn around of the night.
Allen's performance was absolutely sensational. She showed her powerful vocal range as she put a classical soulful spin on the popular country song.
Allen received a standing ovation from coaches Usher and Adam Levine.
Blake Shelton emphasized how much he believed Allen is meant to be on his team, while Shakira described Allen's voice as beautiful and comically explained that "men are a different animal" and her being a female gives her an understanding of what it takes to win.
In the end, Allen chose Adam as her coach!
WOW, his performance really blew us away. The dude has undeniable soul and commanding power in his voice. He perfectly showed the versatility in his voice by showing both his raspy tone and his incredibly sweet sounding falsetto.
Oh, and let's not forget, he is covering a John Mayer song, which is so incredibly risky to do. But, he pulled it off so effortlessly.
Honestly, we don't understand how Innes' isn't already headlining his own show.
Usher stressed his appreciation for the show's emphasis on focusing on what you hear, instead of what you see. He explained his desire to win the show with voices that are able to shake people.
Adam pointed out the " lightening quickness" he had in pushing his button first. He mentioned the little run at the start of the song instantly drew his attention.
Ultimately, Innes ended up choosing Usher as his coach!!
What an incredible night of performances! While we are still trying to recover from Innes' mind blowing performance, don't forget to join us tomorrow night for our recap of the final night of blind auditions!


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Through these hypnotic eyes and soft luscious body and lips your body will be craving for more. A gentleman who treats me with respect and care will be rewarded in magical ways. I love a man who has a gentle soft touch with me as I am sensitive in all the right places.
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Tag Archives: arrest
Wrongful arrest and detention under a location order
Posted on August 6, 2015 by suesspiciousminds
The High Court address a situation in which a woman was unlawfully removed from a plane and arrested as a result of misunderstanding about a location order.
Taukacs v Taukaca 2015
In this case, the Court had made a location order, that would require the production of the child's passport, revealing information about his location and preventing him from being removed from the country whilst the Court make decisions about the child's longer term future.
This was served on local police, who went to mother's home. She provided them with the child's passport and gave them information. Very specifically, she told them that she had a flight booked for a holiday to Spain, the child would not be going, and asked if she could still go. She was told that yes, the order prevented the child leaving the UK but not her. To double-check, she visited the local police station to ask the same question and was given the same answer. What she was told was quite right.
However, when she got on the plane, this happened
Having very creditably taken those steps, the mother must have gone with some confidence last Saturday to Birmingham International Airport with her friends in order to fly on Saturday evening to Palma in Spain. She actually boarded the aircraft, but, after she had boarded and before the aircraft took off, she was removed from it. I will now take up the narrative by reading from the short witness statement dated 2nd August 2015 made by a police constable of the West Midlands Police currently stationed at Birmingham Airport Again, it would not be fair in a public judgment to name that police constable. She says:
"On Saturday, 1st August 2015, I saw a woman in the front office area of the police station at Birmingham Airport who I now know to be Ludmila Taukaca. I was made aware by officers that Taukaca had been removed from a Monarch flight departing to Palma, Spain, this was due to her breaching a High Court order which stated that she was not to leave the United Kingdom and that she had to surrender her passport. Taukaca only spoke Latvian and Russian, so in order to communicate with her I used Google translator on my personal mobile telephone. At 23.00 hours I informed her that she was under arrest for breaching the court order. Language Line was then contacted and the facts of arrest explained to her. Taukaca was then transported to Solihull police station where the facts were related to the custody officer and her detention authorised. I had no further dealings with Taukaca."
Pausing there, it seems to follow from that that this lady was arrested and then detained in custody for two reasons. First, that she had not surrendered her passport. Second, that she was attempting to leave the United Kingdom. The police at the airport and later at Solihull police station took the view that both of these facts were breaches of the order. The police at her home, and later at West Bromwich police station, had both expressly told her that she could travel and was not required to surrender her passport. Essentially, following that, Mrs Taukaca has been held in custody ever since, as I have said, and was brought here by escorts this afternoon. She was held for a time in the cells here at the Royal Courts of Justice.
One has only to consider those facts to appreciate that this matter has what I would regard as scandalous elements. This lady did produce her own passport to the police. They looked at it, but did not take it with them and left it with her. This lady did tell the police that she had a booked holiday to Spain a few days later and asked whether she could lawfully go. The police told her that she could. This lady took the extra trouble and precaution, which few people might have done, of going to a police station on Friday, together with her friend, to check whether she could lawfully travel to Spain. She was told that she could. She got as far as being on the aircraft when she was removed. That of itself must have been a degrading and humiliating experience and, probably, very frightening for her; and she has now suffered being detained in custody, as I have said, for something of the order of now 42 hours and two nights, and of course missed her holiday.
She was held in the cells for about 42 hours before the case came before Holman J and it was appreciated that she ought never to have been arrested.
The problem, Holman J identified, was with the standard pro forma order, that the Tipstaff circulates to the police force.
The problem which this case throws up is the language of the standard form location order. Paragraph 2 of the order in this case, which is in standard form, reads as follows:
"The respondent [viz in this case Mrs Taukaca] and/or any other person served with this order must each hand over to the Tipstaff (for safekeeping until the court makes a further order) as many of the following documents as are in his or her possession or control:-
(a) every passport relating to the child, including an adult's passport by which the child is also permitted to travel, and every identity card, ticket, travel warrant or other document which would enable the child to leave England and Wales; and
(b) every passport relating to the respondent and every identity card, ticket, travel warrant or other document which would enable the defendant to leave England and Wales."
I have to say that I myself would read (b) in the same way that the officer at the airport read it, that the mother had to surrender any travel document that would allow her to leave England, she had clearly got such items in order to get through airport security, ergo she was in breach of the order. I can quite see why the officer at the airport read it in that way. The problem is the ambiguous use of "defendant" in that standard order – who can it possibly mean other than the mother?
Pausing there, the first source of ambiguity leaps off the page of that part of the prescribed standard form order, although I have to say that it is not an ambiguity that I, myself, have ever spotted or noticed before. The heading of the order describes, in this case Ludmila Taukaca, as "respondent". The opening words of paragraph 2 require "the respondent" to hand over the specified documents, but, when one gets into the detail of sub-paragraph (b), it will be noticed that it meanders between a reference to "the respondent" and a reference to "the defendant". So far as I am aware, at any rate in this particular version of this order, it is only within paragraph 2(b) that there is any reference to the words "the defendant". But at all events, what the person designated as "the respondent", namely in this case Ludmila Taukaca, had to hand over was any passport relating to herself "which would enable the defendant to leave England and Wales". It leaves completely unspecified who is meant or intended by the words "the defendant", but a police officer might reasonably suppose that the reference to "the defendant" was a reference to somebody other than "the respondent" and, perhaps, that it was some further reference to the child concerned.
In this case, the police who first attended asked to see the mother's passport and she showed it to them, but they did not ask her to hand it over, as their reading of the order was that they were to take any documents that would prevent the child from being taken abroad.
The fact that two different sets of police officers read the order entirely differently is more the fault of the order than the police.
Assuming, however, that paragraph 2(b) did not contain that ambiguity, then it is a clear direction to hand over to the Tipstaff, or in a case like this to the police officer executing the order, every passport, etc., "relating to the respondent". If and when the police officers last Wednesday looked at Mrs Taukaca's own passport, which she had handed to them, but then placed it back on the table and left it with her, when they left her home, it was the officers who were failing to understand or failing to discharge their duty under this order. It was not Mrs Ludmila Taukaca, who, it will be remembered, cannot speak or read English.
One then reads on to paragraph 4 of the order. That provides as follows:
"The respondent and/or any other person served with this order must not knowingly cause or permit the child:-
(a) to be present overnight at any place other than the place where the child was staying at the time of service of this order; or
(b) to be removed from the jurisdiction of England and Wales."
So far as paragraph 4(a) was concerned, this particular child, M, was staying, at the time when the order was served upon the mother in Smethwick, at the address of his brother in Northamptonshire. As I understand it, M has continued to stay at the address of his brother in Northamptonshire seamlessly between last Wednesday and now, so the mother has not been, and is not, in breach in any way whatsoever of paragraph 4(a).
Quite clearly, the whole of paragraph 4 is directed to the whereabouts of "the child" concerned, and a prohibition on causing or permitting the child concerned to be removed from the jurisdiction of England and Wales. Here is the ambiguity and tension in this standard form of order which seems to me to have led to what I have described as a scandalous situation in the present case.
Paragraph 2(b) does require the handing over of passports and similar documents "relating to the respondent". If they are handed over, then the effect and intention would be to prevent the respondent from travelling out of England and Wales. I have, however, already pointed out ambiguities within paragraph 2(b). The focus of paragraph 4 is a clear and express embargo on removing the child from England and Wales, but neither paragraph 4 nor any other part of the order expressly prohibits the respondent parent from leaving England and Wales. Indeed, it may require very careful consideration whether there should be any restriction on the parent, as an individual and free person, from leaving England and Wales, provided only that the child, who is the subject of the application, is not able to leave England and Wales.
At all events, it seems to me that the way that the police officers, who attended last Wednesday, interpreted this order was that it required them to remove the child's passport, which they did, and contained an embargo upon the child leaving England and Wales, but no embargo upon the mother herself leaving England and Wales. So it was that, as the mother herself describes, the police said to her words to the effect that, "Yes, you can travel to Spain. It is nothing to do with you, but you cannot take your son abroad." The same ambiguity seems to have influenced the police officer whom the mother saw and from whom she received advice and reassurance when she attended at West Bromwich police station on Friday.
It seems, therefore, that, as a result of ambiguities in a standard form of order, which judges of this Division have been making now for many years, a terrible injustice was done to this lady. I have explained all this at some length in this public judgment. I have ordered that a transcript of this judgment must be made as a matter of extreme urgency. I personally am last sitting on Wednesday of this week before I go for several weeks of holiday. I intend to ensure that the official approved transcript of this judgment is placed upon the BAILII website before I go. It must be very urgently drawn to the attention of the President of the Family Division. It must, of course, be very urgently and seriously considered by the Tipstaff. It seems to me vital that very urgent steps indeed are taken to clarify and improve the wording of this standard form of order so as to avoid that any other person suffers the injustice and indignity and loss of freedom which this lady has suffered.
I wish to stress very clearly indeed that, so far as I am concerned, Mrs Taukaca has not in any way whatsoever broken any court order. This is not a situation in which she has "purged her contempt". Rather, she was never in contempt of court at all. She should never have been arrested, still less, detained, and I order her immediate release, repeating as I do a very sincere and unreserved apology on behalf of the legal system. But I wish to stress also that I do not intend in anything that I have said any criticism whatsoever of any of the police officers who were engaged in this case. Frankly, the fault lies with the language of the order and for that, ultimately, the judges must take responsibility.
It is remarkable that a standard form of order, that has been used for around four years, and has been regularly seen by the very brightest High Court Judges and counsel who are capable of dealing with international law cases (who tend to be bright people) has had these ambiguities within it for all that time.
And as a result, this lady has had the indignity of being removed from a plane and arrested, missed her holiday, and spent 42 hours in a cell. As a result of a poorly drafted clause in a standard order. Where's Christopher Booker when you need him?
The transcript at the end makes a very sad case even sadder – it was really clear that this woman had no possessions, them having been confiscated, and absolutely no idea how to get across London to Euston station so that she could go home to Smethwick. You don't often read Court transcripts that make you want to give someone a hug (and I have delivered precisely six hugs* in my entire life to people I wasn't in relationships with, so I'm no hugger ) but this one did.
[*Half of those were a mistake, with the benefit of hindsight. I saw the trailer for the film "The Martian" last weekend, where Matt Damon gets accidentally stranded on Mars and will be entirely alone for years until a rescue mission comes and I believe that I actually sighed wistfully / with jealousy]
Posted in case law, international and tagged arrest, breach of location order, imprisonment, location order, taukacs v taukaca 2015, tipstaff, wrongful detention. Bookmark the permalink.


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Siddhis Highest Eight Occult Powers: What You Need to Know
Spiritual Seekers of the World, unite.
Occult powers are a fascinating topic, and they have been present in the world for centuries. However, with the rise of science and new religious movements that reject ancient Indian scriptures, many people today do not know much about them. This post aims to change that by outlining what occult powers are and then describing the highest siddhi or eight magic powers according to Hinduism'sHinduism's ancient texts about them.
About Occult Powers
Occult powers are those that people can use to do things such as heal themselves, change weather patterns and manipulate the minds of others. There is a long history of literature in India about these kinds of powers. Still, they have been largely ignored by Western scholars for centuries.
If you look in the right places, you will find a gentle resurgence in interest in occult powers, as evidenced by publishing books and blogs outside of the mainstream media.
To get to the roots of occult powers, we have to dive into ancient scriptures.
Siddhi: Scriptures of the 8 Occult Powers
These come from Brahmin mythology and have spiritual dimensions that allow them to believe themselves capable of anything they set their mind to, including commanding spirits or performing miracles. Some examples include astral projection (the power to travel outside your body), telepathy (control over someone else's thoughts) and shapeshifting.
The siddhis are diverse and can be accomplished with the mind or through rituals, devotion to a deity, meditation or mantra chanting; even certain yoga positions such as Vajrasana and Padmasana have been attributed to providing powers of siddhi for practitioners who attain them successfully.
What is the Anima? What does it have to do with Occult Powers?
Anima is the power of the mind to affect the external world in a way that is controlled by our desires. It can be used for anything from healing oneself of an injury or disease, changing weather patterns and manipulating people's minds.
Sanskrit for ""soul"" or ""breath/life-force,"" this siddhi was long ago believed to encompass all other powers because it connects the inner self (atman) with the outer one (may).
The first occult power listed among the highest eight is anima which has been described as ""the power of the mind"" to control bodily functions like health, social interactions and even climate through mental focus alone.
Mahima
Mahima is another occult power that allows the body to become so large as visible from far away. This power is also a form of anima in which individuals can use their life force or breath (prana) for whatever they wish, often with tremendous destructive potential.
Mahima is another occult power that allows one's body to grow in size and volume up to such a level that it becomes visible from afar.
This siddhi, like anima before it, stems from prāṇāyāma -""the act of pressing the air out through the nose while breathing."" It was believed by ancient Indian yogis that ""by practising mahimaprajña,"" you could increase your ability not only to affect others' minds but also to bring life-giving breath to dying plants and animals.
This siddhi, like anima before it, stems from prāṇāyāma — ""the act of pressing the air out through the nose while breathing."" It was believed by ancient Indian yogis that ""by practising Mahima prajña,"" you could increase your ability not only to affect others' minds but also to bring life-giving breath to dying plants and animals.
Lagima
When invoking the power of Lagima, the ancient yogis believed that they could ""create a corresponding fire in their bellies, sending out waves of light.""
More ominously, this siddhi was sometimes used for black magic spells, which would cause other people pain or even death. These types of spells were only practised by one person at a time to avoid the risk of harm coming back on them.
Garima
The power of Garima can best be understood as the ability to increase or decrease a person's weight. One of its most potent applications was as an aid to spiritual ascension. With this power, it is possible for anyone – no matter how heavy they are in their earthly form – to jump and fly through the air without any difficulty at all.
It should be noted that Garima can also be used by Siddhas with evil intentions such as inflicting harm on others or pulling them from great heights onto hard surfaces below like boulders.
Prapthi
Prapthi is one of the eight highest occult powers because it can create any object or person out of thin air.
The power of Prapthi is also known as the ability to project one's thoughts into reality, creating whatever one desires with a mere mental projection. It was believed that practitioners who were well-versed in this siddhi could materialize their thoughts from nothingness and make them solid enough for use by others. Mental projections are typically created through intense concentration on an object until it becomes tangible. Still, some reports exist about Siddhas using only meditation techniques without concentrating on anything to achieve the same result.
Possible applications include materializing objects for assistance during worship rituals and healing sessions and making food appear before hungry people.
Prakamya
To understand the power of Prakamya, the siddhi of divine intervention, it is helpful to first understand the Buddhist concept of karma. Karma is a Sanskrit word that literally translates as ""action,"" but in Buddhism, it refers specifically to actions made with intention and motivation. An action can be either good or bad depending on whether its intent was virtuous or malicious, respectively. Every time someone acts, they create new karma for themselves (even if their intentions are neutral), which creates more karmic energy being released into the universe each day than there were before; this makes creating positive change within oneself an achievable goal by just continuing to take small steps towards achieving your goals every single day.
Prakamya comes from Hinduism, where it is described as one's ability to control destiny through powerful manipulation of the laws of karma.
Isithavam
Isithavam is a power that can be used for good and evil. This siddhi, or occult power, could allow someone to use their persuasive skills to induce positive changes in others. It's not always intended for good things like persuading someone of an idea, so they make better decisions in life. This kind of persuasion may help avoid making mistakes that would cause problems later on down the line.
Other Isithavams are more harmful, such as persuading somebody into doing something wrong, usually illegal; with these powers, you're essentially messing with fate by tampering with free will.
Vasithavam
With Vasithavam, you will see events of the future and learn about other people's thoughts.
Vasithavam is a power used for good and evil purposes throughout history, such as predicting natural disasters or interpreting someone else's thoughts to help them with their problems.
However, like Isithavam, it can also be misused by reading into somebody else's thoughts when they don't want you to know what they're thinking about and using this knowledge against them.
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The Suns made some substantial sprinkles on the court by trading for Chris Paul and also signing a slew of cost-free representatives that will certainly make them a serious playoff contender this period, and also they likewise launched one of the very best 'City' edition jackets in the organization. For many years, Phoenix has created uninspiring city jackets, however this time around they took a bold swing as well as knocked it out of the park.
Comparable to the Hornets, the Suns have one of the finest color combinations in the league, and they finally made the very best usage of purple as well as orange to produce a trendy modern jacket. At first look, I had not been a fan of the Jean-Michel Basquiat jerseys, yet after providing it a day, looking closer at the details, this attire is a hit for me.
It's various as well as distinct from any other jacket however still stays clean. Much more importantly, the Webs are the only group in the organization that continually utilizes its 'City' edition to in fact admire those from Brooklyn. Initially, it was Big deal Smalls, now innovative musician Basquiat. Yes, yes, yes. The Spurs provided the fans what they wanted after years of camouflage city jerseys.
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The NBA All-Star break has arrived and one of the most effective components of the weekend break is when the organization reveals the game attires. Kohls Nba gear. While this year's jackets have yet to be revealed to the general public, we are honoring the weekend break with an appearance back at the very best looks from 1985 previously.
2015 (New York City)These jerseys got eliminated when the NBA revealed them, and truly so. No wording on the front and also the full names on the back of the jersey fizzled. I do not dislike them but if they would certainly have simply placed East/West on the front of the uniform, these would certainly be in the Top 10 for certain – Kohls Nba gear.
19861990 as well as 2003No one will be crazy if the NBA made these the permanent All-Star attires going onward annually. There is just excessive history that happened in these jerseys.
The new guard is rising fast a great deal of people are acquiring 21-year-old Luka Doncic jackets. Yet the old guard, led by 36-year-old Le, Bron James, still lead the method. The NBA released its jersey sales arises from the initial fifty percent of the season based on sales and Le, Bron was on top, while his Los Angeles Lakers are the leading team in product sales.
The initial fifty percent of the NBA period is over, and also we are heading toward the playoffs. The benefit in jersey sales sees one team with three gamers in the top 11. Who could that be? If you rush, you could participate a deal at Jimmy Butler and the Heat came up short versus the Lakers in The Finals, however his appeal climbed, especially in South Coastline.
77 will certainly be associated with the Mavericks' young celebrity. The King rules on and off the court (Kohls Nba gear 2021).
He was ranked 5th throughout the pre-COVID 2019-20 NBA period, and afterwards befalled of the top 15 when the competition reactivated in Orlando. # 8 Kyrie Irving, Kyrie Irving with the Brooklyn Webs, Kyrie Irving placed on a show last period. He made a look in the exclusive 50-40-90 club, and also he did so while balancing 26.
Irving is simply among 4 players in NBA background to average 25+ points and also shoot 50-40-90. Irving has actually seen a climb in his jersey sale numbers, which were 12th in the NBA in the last two periods. # 7 Stephen Curry, Stephen Curry of the Golden State WarriorsStephen Curry saw a dip in his jersey sales regardless of the remarkable season he just had.
Naturally, we did. As the 2020-2021 routine season obtains underway, we assessed each franchise's most recent "City Version" jerseys, establishing both the worst of the most awful, and the ideal of the most effective. There are several jackets that can have taken the last spot on this list, and also it might be taken into consideration a "warm take" to some, yet the Orlando Magic sit at the end of the barrel in our "City Version" rankings.
77 will certainly be associated with the Mavericks' young star. The King policies on and off the court.
He was rated 5th throughout the pre-COVID 2019-20 NBA season, and after that dropped out of the leading 15 when the competitors restarted in Orlando. # 8 Kyrie Irving, Kyrie Irving with the Brooklyn Internet, Kyrie Irving placed on a show last season. He made a look in the exclusive 50-40-90 club, and he did so while averaging 26.
Irving is just one of four gamers in NBA background to ordinary 25+ factors and also fire 50-40-90. Irving has seen a climb in his jersey sale numbers, which were 12th in the NBA in the last 2 periods. # 7 Stephen Curry, Stephen Curry of the Golden State WarriorsStephen Curry saw a dip in his jacket sales in spite of the sensational period he simply had.
So, naturally, we did, as well. As the 2020-2021 normal season obtains underway, we assessed each franchise's most recent "City Edition" jerseys, figuring out both the worst of the most awful, and also the most effective of the ideal. There are numerous jerseys that could have taken the last place on this list, and it might be thought about a "hot take" to some, however the Orlando Magic sit at the base of the barrel in our "City Version" rankings.


I have some exciting news today! James has helped me make a dream come true and now I am offering my services as an event planner in North Alabama! In fact, I helped with my first client's event this past weekend!
It has been a whirlwind, but I am so thrilled to be able to do what I feel I was created to do!
If you are in the North Alabama area (specifically the Rocket City ;)) and are interested, please contact me via the form under the Event Planning tab above.
Below are pictures from the bridal shower last weekend.
The couple's wedding colors are black and gold. I used black, white, gold and added hot pink (one of the bride's favorite colors).
Below are the cupcake toppers I designed for the event.
Using the same designs and colors, I created food labels.
We used some decorative papers I designed to dress up the centerpieces.
And of course we added a door sign to direct guests where to go.


Improving individual efficiency. For starters, you can look at individual work habits and determine which of those habits need to be improved. For example, you may find that one of your employees seems to spend way more time reading emails than their teammates, and use that information to streamline their approach, saving time and money in the process.
Evaluating and rebalancing workloads. You can also quickly see which of your team members are busier than others, based on how many contacts they're juggling and how many emails they send and receive. With this information, you can redistribute tasks to make workloads better balanced for everyone.
Scouting for suspicious emails. You may also be able to watch for suspicious emails; for example, if you notice one of your employees is sending emails to an address from a close competitor, you can pounce on it before it results in any damage to your company.
Before you invest in employee monitoring software, you should be aware of the risks of employee monitoring, and safeguard yourself against them. If your employees are using company computers and resources, you should be well within your rights to monitor their activity, but it might pay to give them a formal heads-up anyway. Let them know what you're doing and why you're doing it, and make sure your activity doesn't discriminate against employees in any way. This can provide an extra degree of legal protection, and keep morale from plummeting.
Next, you'll need to choose an email analytics tool that allows you to monitor things like number of emails sent, inbox organization, and top senders and recipients. Choose a platform that offers robust data visuals, so you can quickly evaluate performance, and one that allows you to monitor many employees' accounts at once.
If you want to get the most out of your new monitoring system, you need to deploy it and use it consistently.
It's not enough to spot a problem, acknowledge it, and hope it goes away; you need to monitor your employees on an ongoing basis so you can track improvements.
Start by addressing key issues with employees in individual meetings, but instead of focusing solely on what's wrong, spend time focusing on what can be done to improve the situation. For example, instead of pointing out that an employee's email threads go on too long, provide tips on how to make them more concise.
If you follow these steps and choose the right analytics platform, you should get a better understanding of how your employees are emailing—and be able to come up with a clear plan for improvement. As long as you implement it consistently, and keep your vision focused on positive takeaways, the process can be a beneficial one for you and your employees.


Since August 2010 I have been taking Serrapeptase by Enerex 120,000IU as I have fibromyalgia, arthritis, etc. It was recommended to me by a lady in her 80's who has MS of the worst kind. She looks bright, alert and joyful. She says it is the only thing that keeps her from screaming in pain and feels the best she has in her life. She had a large wart on her forehead that after taking for 3 months crumbled and fell off. A friend of her was going to have triple bypass surgery and decided to try Serrapeptase first. Three months later , no surgery was needed.
I am not as free of pain as she is, but there is substantial improvement. I did a 15 day cleanse-stopped Serrapeptase…. and ended up in increasing pain. Back on it pain subsiding.
It is a little early to be sure, but I do believe that the Serrapeptase and Astaxanthin appear to be working synergestically.
Here it is July 2015 due mostly to the Astaxanthin I no longer have a cataract in my left eye and my eye site has improved so much I cannot wear my prescription glasses as they are too strong, even my older set can be used only part time as they are too strong. I now mostly wear cheap reading glasses as I won't pay $500+ for a pair of glasses that probably won't work for any more than 6 months. The eye doctor suggested this and says my eyes are way better than most people much younger than me.
My pain level is much improved and I walk in a much more flexible way. I still have fibro, and do not get around like I used to but I am getting better all the time. Yahoo! Along with vitamin D3 and Magnesium my quality of life is gradually improving. Others have had much more rapid results, so it could work well for you.


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Chris Ronzio BeMa
Join us as we talk with Chris Ronzio, the founder and CEO of Trainual, a leading SaaS platform that transforms the way small businesses onboard, train and scale their teams. Chris is the host of "The Fastest Growing Companies" and "Organize Chaos" podcasts as well as the author of the best-selling book, "The Business Playbook - How to Document and Delegate What You Do So Your Company Can Grow Beyond You."
Feb 3, 2022 03:00 PM in Arizona
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The ACO celebrates the opening of our 29th season with three masterpieces: From Grieg's dazzling, virtuoso Piano Concerto brought to live by world-renowned pianist Philippe Bianconi; to Beethoven's seminal 3rd Symphony filled with the values and fervency that fueled the French Revolution, and Paterson's gentle 21st Century portrait of Vermont's Green Mountains.
See and hear the talented Philippe Bianconi on YouTube.
Become familiar with Paterson via Sound Cloud.
Listen to Grieg and Beethoven on Spotify.
Purchase your tickets and the EXPERIENCE THE ACO LIVE!


However, beware that to probably enjoy Honey PuPu to its fullest, you'd have to be remotely attached to the city of Taipei or you'll be as lost as I was with it. Part web-based, part fantasy, part youth drama story, part music video , Honey PuPu tells the story of a group of young people who are obsessed with missing stuff, for which they all end up in the online community located on "missing.com".
Soft-voice radio DJ Vicky (Tseng) has lost her boyfriend Dog (Lee). She literally has no idea where he might be, and she begins suspecting a certain wild girl called Playing (Hsieh) might be behind it all. In order to find her, she gets in touch with Cola (Chiu — a.k.a. Wang Zi from boyband JPM) who gets in touch with Assassin (Lin P.S), who introduces his girlfriend Money (Lin C.S) — Cheesebaby in the forums — to Cola who begins feeling a certain attraction towards her.
In their search for Dog, the group discovers facts and landmarks of the city that have already gone missing with time.
There is a whole lot of slow-paced waiting in this one, which definitely marks this as a non-commercial film. If you had previously enjoyed Hung-i Chen's work [you can check a couple of his shorts on the Candy Rain YouTube channel] either on film or his music videos, you'll probably like to know that Honey PuPu still has all the makings of a music video — unlike a film made by MTV.
Idol Wang Zi from JPM, who plays Cola, also sheds the idol image for an otaku look, that apparently was almost too much for him the first time on set. But the one that surprises and begs for your attention is Lin Chenshi — aka. Zai Zai. Her relationship with honeycombs, hexagons, boyfriend, Assassin, and suitor, Cola makes her the most relatable character in the whole story. We almost forget that we're actually looking for Vicky's lost boyfriend, Dog, as we begin looking for a freakishly old computer to read a floppy disk — a FLOPPY DISK!!! That was about the only thing remotely nostalgic I got from the film, not that I miss floppy disks or anything.
Making sense of Honey PuPu is pointless, not that it is a pointless film. But you gotta be the right kind of people to actually get all of it and not have any bit of it go over your head, and a lot did go over my head. Especially the storyline between Playing and Assassin — that was extra weird with a slight kinkiness to it.
However, that soundtrack! Hung-i Chen is mostly a music video director, so he works with music quite well. Honey PuPu gives you quite a bit of classical music queues — thanks to DJ Vicky — but there are also reminders of the Taiwanese music scene in a karaoke sequence and through the music our characters listen to.
This sounds like just the sort of acid trip I'd be into…HaHa.
Camiele, be my guest. Would love to hear other people's take on this. This is even pretty indie in Taiwan.


"I saw it. I saw it," Jacob said, assuming a baseball pitcher's stance and preparing to outdo Mike's effort.
The boys were engrossed in one of their favorite summertime activities–skipping "lucky" stones across Gorman's Pond. They weren't competing against each other; not officially. But there was a bit of friendly competition in everything they did. Mike watched as Jacob unwound and threw his stone. It skipped and bounced along the top of the water. The more it managed to skip, the further it remained aloft. The further it remained aloft, the louder the boast.
"It didn't go that far," Mike insisted.
"Yeah, cause you need glasses, gramps," Jacob said, feeling cocky, and reaching for another stone.
"I love this," Mike said, preparing to skip the palm-sized pebble across the water.
"Which do you think is luckier, the lucky stone or the rabbit's paw?" Jacob asked.
"But I got a dollar from the Tooth Fairy," Jacob said.
"You think she's watching us?" Jacob asked.
Jacob glanced toward the Gorman house.
The pond next to the Gorman house overflowed with pebbles, though most kids in the neighborhood kept away from its muddy waters. The widowed Mrs. Gorman lived alone in the huge, old house. Hers was one of the few homes in Millsburg that hadn't been built by the Western PA Mining Company during the days when Millsburg's mines were rich with coal. And even though the mines of Millsburg had closed many years ago, most of the adult residents of the tiny town worked similar jobs at places like US Steel and the Westinghouse Airbrake Company.
"Tell me the story," Jacob said, sitting for a moment.
Mike dropped a handful of small stones from his fingers and sat down next to his friend.
"Total gross out. Anyway, he packed a sandwich for lunch and headed off to work. Two hours later, one of the blast furnaces ruptured. Something like five-hundred tons of liquid iron shot all over the place. Mr. Gorman and two other guys bit the dust.
Mike broke into a spooky laugh, doing his best to sound like Count Dracula.
"See, that's where the story begins to lose steam," Jacob said.
"What do you mean?" Mike asked.


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Posted on July 24, 2018 by admin in Disaster Relief, Emergency Management
The state House Select Committee on Disaster Relief was reauthorized by Speaker Tim Moore on Monday following news the administration missed another deadline to deliver relief to victims of Hurricane Matthew. Representative Faircloth is a member of the committee.
Committee co-chair Representative Brenden Jones called for renewed hurricane recovery oversight after the administration failed to deliver federal grants meant to rebuild homes in the state's hardest-hit communities.
Representative Jones said the House Select Committee on Disaster Relief would convene and "do everything we can" to assist victims still waiting for recovery funds.
"It's been nearly two years since Hurricane Matthew, yet far too many people are still out of their houses and waiting for help," said Representative Jones.
"The governor's failure to allocate millions of dollars in federal assistance is absolutely unacceptable and demands action. Our committee must continue to do everything we can to hold this administration accountable and get the victims of Hurricane Matthew the help they deserve."
Hurricane Matthew dropped more than 12 inches of rain on eastern North Carolina in October 2016, leaving much of the region underwater for several days and causing catastrophic damage to homes and businesses.
Nearly two years later, just one of twenty-two affected counties has received final approval to begin spending $236 million of federal community development block grants for disaster recovery (CDBG-DRs), according to the state's Emergency Management Division.
Another three counties are expected to complete required paperwork in August, according to the division, and work is 'just now underway in the remaining 18 counties.'
"As serious questions remain unanswered regarding the slow pace of the Cooper Administration's recovery effort, it's critical that we continue our committee's oversight to ensure folks get the help they need," said House Majority Leader John Bell, a co-chair of the committee.
"I appreciate the Speaker's support in this effort and commend Representative Jones for his leadership in making sure the victims of Hurricane Matthew are not forgotten."
South Carolina received the Hurricane Matthew recovery funds at the same time as North Carolina, but it has placed 145 families into homes and issued 459 award letters, according to WBTV.
In North Carolina, by contrast, "one family has been granted an exception to receive a reimbursement."
"Major hurricanes like Matthew pose an annual threat to North Carolina's coast, so the state General Assembly saved a record emergency fund of $2 billion, created a Reserve for Disaster Relief, and appropriated $360 million to aid disaster victims since 2016," Moore said.
"I share the deep concern expressed by my colleagues for their constituents who have not yet received critical aid in eastern North Carolina despite its ready availability," Moore continued, "and reauthorize the House Select Committee on Disaster Relief to see that assistance is delivered to families affected by Hurricane Matthew."
The state General Assembly appropriated $200 million to aid victims in the Disaster Relief Act of 2016, another $100 million in the Disaster Relief Act of 2017, and the 2018 state budget directed $60 million to a new Reserve for Disaster Relief.
The state's new Reserve for Disaster Relief directs the administration to spend funds on specific needs like enabling low to moderate income homeowners to purchase residences and provide flood insurance subsidies for affected citizens.
Another major storm, Hurricane Chris, formed off the North Carolina coast this month but never made landfall.
July 19, 2018: FEMA awards $16.8M to NC for flood damage from Hurricane Matthew
July 10, 2018: NC lawmaker calls for renewed hurricane recovery oversight after WBTV reporting
July 9, 2018: State misses another deadline for Hurricane Matthew recovery
July 7, 2018: Cooper promises full Hurricane Matthew recovery to Lumbees
June 7, 2018: Cooper: Process to fix homes damaged by hurricane 'taking too long'
May 31, 2018: Where is the money? Hurricane Matthew victims still waiting for relief.
May 25, 2018: Congress members want Cooper to explain slow distribution of Matthew recovery money
May 25, 2018: Disaster Relief Reserve to receive $60 million in state budget
April 16, 2018: Lawmakers have a lot of questions, get few answers about hurricane recovery
April 12, 2018: NC has spent $0 of $200 million grant to rebuild homes damaged by Hurricane Matthew, report says
Posted on July 17, 2018 by admin in Appropriations, Bonds, Budget, Business, Children, Consumer Protection, Courts, Economic Development, Economy, Education, Education Reform, Election Reform, Elections, Emergency Management, Energy, Environment, Faircloth, Farming, Food, Healthcare, Hunting & Fishing, Jobs, Medicaid, Pension Reform, Regulatory Reform, Speaker Moore, Tax Reform, Taxes, Technology, Transportation
Families and businesses in North Carolina continued to see promising gains from the 2018 state legislative session as lawmakers remained committed to higher salaries for educators and state employees, increased investments in public schools and a successful pro-growth jobs agenda.
The accomplishments mark another year of promises kept by the Republican-led General Assembly to deliver tax relief, a better jobs climate and dramatically higher investments in North Carolina education systems.
"The promises kept by North Carolina lawmakers to dramatically increase educator and state employee pay, build a stronger public school system and grow our private sector will benefit citizens and businesses for years to come," said Speaker Tim Moore.
Economic Accomplishments of the 2017-2018 N.C. Legislative Session
Business reforms, balanced budgets and a new transformative incentive tool to attract cutting-edge industries led another round of job-friendly legislation in the North Carolina General Assembly in the 2017-18 sessions.
Balanced the state budget with responsible spending that prioritizes public education, strengthens core services, and saves for future emergencies.
Lowered taxes for families ensuring 99 percent of taxpayers will pay lower or no state income taxes at all and more than tripling the zero-tax bracket for married filers to $20,000, passing 30 states in 3 years of Tax Foundation rankings, exempting 1.5 million working people from owing any state income tax – 30% of all filers.
Built on business tax reforms that helped create more than half a million new jobs since 2011 by further reducing corporate income tax rates and simplifying and cutting the franchise tax on small businesses.
Transformed the state's job recruitment tools expected to help secure thousands of new jobs and billions in new investments to North Carolina.
Expanded statewide access to high-speed broadband, establishing the Growing Rural Economies with Access to Technology (GREAT) program to connect unserved communities in the state's rural areas.
Saved a record rainy day reserve by increasing the savings fund to its highest total ever of $2 billion and automatically directing funds into savings each year.
Removed more burdensome regulations from the state's business climate to eliminate red tape that chokes economic growth.
Invested heavily in transportation needs to accelerate highway projects and bridge replacements, fund new cranes at the Port of Wilmington, reduce congestion and spur economic development through the Strategic Transportation Investments Program (STIP) and the Build N.C. Act.
Created one-of-a-kind Unfunded Liability Solvency Reserve to address an estimated $50 billion in unfunded pension and healthcare liabilities on the state's balance sheet by directing overflow appropriations and savings into the new fund.
Education Accomplishments of the 2017-2018 N.C. Legislative Session
North Carolina families are experiencing a new era for education thanks to five consecutive teacher pay raises, dramatically higher education investments and expanded education options for students in pre-K, K-12 schools, and the state's flagship university system.
Expanded teacher recruitment and retention incentives through the NC Teaching Fellows, the Advanced Teaching Roles Pilot, the New Teacher Support Program, Future Teachers of NC, and salary supplements that helped North Carolina rank #1 in National Board of Professional Teaching Standards certifications.
Assisted counties with school construction by allocating over $370 million in lottery funds to local education infrastructure and expanding the need-based school capital fund from $75 million to $117 million for Tier 1 and Tier 2 rural counties.
Connected every K-12 school to high-speed broadband access, the first public school system in the United States to achieve that milestone. through recurring funding to the School Connectivity Initiative, four years ahead of schedule.
Expanded workforce development opportunities for students seeking career and technical educations by funding Future Ready Students Act grants, the NC Works Career Coaches Program, the Short-Term Workforce Training program, ApprenticeshipNC, and the ConnectNC bond.
Increased funding for public education by more than $700 million and continued major education reforms to reduce class sizes, fund advanced placement testing fees and provide coding and mobile app development grants to help students succeed.
Raised teacher salaries for the fifth consecutive year, providing teachers an average 9% pay increase over two years, bringing the average increase to teachers' base pay to nearly 20 percent, giving half of N.C. teachers a $10,000 raise since 2014, and posting the 3rd largest teacher pay increase in the nation since 2014.
Raised principal and assistant principal pay over 6% on average, providing average increases over $3,000 to both groups of public school leaders.
Provided performance bonuses to public school teachers who improve academic outcomes for their students through Read-to-Achieve Bonuses, AP/IB Teacher Bonuses, Career and Technical Education Teacher Bonuses, and Math and Reading Performance Bonuses.
Made North Carolina schools safer, providing $35 million for school safety initiatives, including new grant programs to support students in crisis, school safety training, safety equipment and youth mental health personnel.
Took steps to reduce the testing burden on students in North Carolina and eliminate unnecessary exams not required by state or federal law.
Made college far more affordable and accessible by fully funding the N.C. Promise Program to guarantee in-state students at three universities $500 tuition per semester, guaranteeing fixed-rate tuition and fees over four years for higher education students, and supporting the ConnectNC bond cash flow.
Added thousands of kids to the state's pre-K program and developed a plan to eliminate 100 percent of the state's waitlist for at-risk children by 2021.
Provided low-income families with education options through the Opportunity Scholarship program offering need-based learning opportunities to our state's most vulnerable students.
Directed surplus computers to low-income students at no additional cost by requiring state equipment be refurbished for disadvantaged kids – a win-win for taxpayers.
Increased textbook and digital resource funding to $73.9 million in 2018, provided $44.8 million for the School Technology Fund to modernize education resources and appropriated $47.4 million/year to local systems for school supplies.
Provided special needs students with learning options through Education Savings Accounts that offer new education opportunities to young people with disabilities.
Other Accomplishments of the 2017-2018 N.C. Legislative Session
Passed comprehensive energy reform to modernize state policy and protect ratepayers with competitive costs while encouraging continued development of renewable power through the market-driven 'Competitive Energy Solutions Act.'
Increased pay for hardworking state employees, including a new living wage minimum of $31,200, as well as significant raises for State Highway Patrol troopers and correctional officers.
Improved prison safety, allocating $15 million in additional funding to enhance prison safety, and support security and support "man-down technology."
Ensured access to clean, safe drinking water through a comprehensive House River Quality Committee setting aside more than $10 million to provide drinking water to those impacted by GenX and to fund the state's efforts to address threats to safe drinking water.
Provided more than $160 million in needed disaster relief to families and communities devastated by Hurricane Matthew, bringing total disaster relief funds to $360 million since 2016.
Gave voters opportunities to amend the North Carolina Constitution to keep income taxes low, preserve the right to hunt and fish, strengthen victims' rights, establish a merit system to fill judicial vacancies, ensure a bipartisan Board of Elections, and establish voter ID.
Helped combat the opioid addiction crisis by passing the STOP Act to ensure highly-addictive prescription drugs are responsibly administered and not over-prescribed, and the HOPE Act to give law enforcement the tools they need to battle the opioid crisis.
Funded the changes necessary to "raise the age" in North Carolina, ensuring 16- and 17-year olds suspected of misdemeanor offenses and less serious felonies will be tried as juveniles instead of adults by December 2019.
Protected North Carolina's family farms, passing the N.C. Farm Act of 2018 aimed at supporting the state's largest industry and ensuring that farmers have legal protections in the state's right to farm law.
Strengthened laws against human trafficking and funding to increase awareness of the warning signs of human trafficking, heighten penalties for traffickers and address massage and bodywork licensure issues.
Overhauled North Carolina's social service system to address substantial issues in North Carolina's child welfare program to ensure the safety of kids.
Expanded the line of duty death benefit coverage for brave law enforcement officers and first responders, while doubling the benefit from $50,000 to $100,000 and ensuring all families of the victims from recent prison attacks receive that benefit.
Continued the Medicaid transformation to managed behavioral care to fix the program's fee-for-service delivery model, replace it with cost-effective reform, and avoid massive Medicaid deficits of years past through the Medicaid Transformation Reserve.
Posted on July 4, 2018 by admin in Celebration, Civics, History
IN CONGRESS, July 4, 1776
The unanimous Declaration of the thirteen united States of America,
When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.
Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.
He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.
He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.
He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.
He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.
He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.
He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.
He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.
He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
For depriving us in many cases, of the benefits of Trial by Jury:
For transporting us beyond Seas to be tried for pretended offences
For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:
He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.
We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.
Representing Delaware:
George Read, Caesar Rodney, Thomas McKean
Representing Pennsylvania:
George Clymer, Benjamin Franklin, Robert Morris,
John Morton, Benjamin Rush, George Ross,
James Smith, James Wilson, George Taylor
Representing Massachusetts:
John Adams, Samuel Adams, John Hancock,
Robert Treat Paine, Elbridge Gerry
Representing New Hampshire:
Josiah Bartlett, William Whipple, Matthew Thornton
Representing Rhode Island:
Stephen Hopkins, William Ellery
Representing New York:
Lewis Morris, Philip Livingston, Francis Lewis, William Floyd
Representing Georgia:
Button Gwinnett, Lyman Hall, George Walton
Representing Virginia
Richard Henry Lee, Francis Lightfoot Lee,
Carter Braxton, Benjamin Harrison, Thomas Jefferson,
George Wythe, Thomas Nelson, Jr.
Representing North Carolina:
William Hooper, John Penn, Joseph Hewes
Representing South Carolina:
Edward Rutledge, Arthur Middleton,
Thomas Lynch, Jr., Thomas Heyward, Jr.
Representing New Jersey:
Abraham Clark, John Hart, Francis Hopkinson,
Richard Stockton, John Witherspoon
Representing Connecticut:
Samuel Huntington, Roger Sherman,
William Williams, Oliver Wolcott
Representing Maryland:
Charles Carroll, Samuel Chase, Thomas Stone, William Paca
Today is the 242nd anniversary of the adoption of the Declaration of Independence. For some little-known facts about the Declaration, be sure to read this interesting piece from CNN.
Posted on June 21, 2018 by admin in Tax Reform
While most state government watchers were focused on a last-minute legislation at the General Assembly, some good news came out of the Office of the State Controller.
The General Fund Monthly Financial Report reported that when compared to the prior year – through May 31st — net tax and non-tax revenues were up $834.9 million, an increase of 4 percent over the previous year. Overall tax revenue is up $803.3 million while non-tax revenue is up $31.6 million over the previous year.
The report continued:
The Fiscal Research Division estimates that General Fund revenue through May 2018, is $252.8 million above the revenue target. The revenue targets are monthly projections based on the May 2017 consensus forecast, 2017 session adjustments, and previous monthly collection trends.
This is good news, which may be the reason why so few people have heard it. It's yet more evidence that critics on the left are wrong. North Carolina's budget discipline and tax cuts continue to fuel our economy. Common sense budget policies and expanding economic freedom – not state government planning — are the best ways to create jobs and reduce unemployment.
The evidence continues to grow.
The preceding post was written by Dr. Robert Luebke, Senior Policy Analyst at the Civitas Institute. It was first posted on Civitas's website on June 19, 2018 and reappears here with the gracious permission of the author.


text:
Sezon (1975/1976) był 73. sezonem Nemzeti Bajnokság I - najwyższej klasy rozgrywkowej na Węgrzech w piłce nożnej. Liga liczyła 16 drużyn. Żaden zespół nie spadł do drugiej ligi - NB II. Tytułu nie obroniła drużyna Újpesti Dózsa SC. Nowym mistrzem Węgier został zespół Ferencvárosi TC. Tytuł króla strzelców zdobył László Fazekas, który w barwach klubu Újpesti Dózsa SC strzelił 19 goli.

Tabela końcowa

Linki zewnętrzne
 Węgry - tabela końcowa (RSSSF)

Pierwszy poziom rozgrywek piłkarskich na Węgrzech
1975 w piłce nożnej
1976 w piłce nożnej

redpajama_set_name: RedPajamaWikipedia


Belanger Appraisals, Inc has answers to "Frequently Asked Questions"
Belanger Appraisals, Inc is more than happy to address any inquiries you might have about appraisals or real estate in Virginia Beach City County. Feel free to contact us today.
Once the report has been completed, how can I have certainty that the value indicated is legitimate?
Where does an appraiser get the information used to estimate values in Virginia Beach City County or other areas?
The procedure of producing an appraisal report deals with an inspection which forms an opinion of value. There are three "common approaches to value" which helps the appraiser arrive at this opinion or estimate. The Cost Approach is one of the methods that real estate appraisers use to find value; it involves finding what the improvements would cost minus physical degradation, plus the land value. Another of the approaches is the Sales Comparison Approach - which concerns finding a comparable analysis to other similar nearby properties which have recently sold. Being the most commonly used approach, the Sales Comparison Approach is considered the most accurate and best indicator of market value for a house. The Income Approach is generally used for figuring out the market value of income-producing properties based on what an investor would pay based on the amount of income a property produce.
An appraiser generates an unbiased and well justified assessment of market value, in the support of real estate transactions. Appraisers demonstrate their expert findings in appraisal reports.
To figure out an honest sales price when putting your home on the market.
The appraiser is not a home inspector and does not do a complete home inspection. A third-party home inspector will judge the structure of the home, from the roof to the foundation. The general property inspector's report will contain an evaluation of the integrity of the property's heating system, central air conditioning system (temperature permitting), interior plumbing and electrical systems, the roof, attic, and visible insulation, walls, ceilings, floors, windows and doors, the foundation, basement, and visible structure.
Frankly, they have nothing in common. The CMA uses market trends to generate most of their business. Appraisals use similar sales which are valid resources. In addition, the appraisal verifies other factors like condition, neighborhood and building costs. A CMA delivers a "ball park figure." An appraisal delivers a defensible and carefully documented opinion of value.
The person creating the report is actually the most significant difference between a CMA and an appraisal. Real estate agents write CMA's, and they don't always know the whole market or bear specific competence when it comes to home valuation. The appraisal is created by a licensed, certified professional who has made a career out of valuing properties. Likewise, the agent has something at stake since they get a commission based on the property's selling price whereas the appraiser is bound by a code of ethics to accept a previously agreed upon fee for assignments, regardless of their outcome.
Characteristics of the property that have a bearing on the value, including: location, physical characteristics, legal attributes, economic factors, the property rights valued, and non-real estate items included in the appraisal, such as personal property, items that are more or less permanently installed and even intangible items.
To become a state licensed appraiser, there are intense education requirements as well as practical experience that must be attained. Plus, appraisers must stick to a strict industry code of ethics and comply with national standards of practice for real estate appraisal. The tenets for carrying out an appraisal and documenting its results are insured by enforcement of the Uniform Standards of Professional Appraisal Practice (USPAP).
Licensing and certification takes classroom study, tests and experience working under a supervisory appraiser. Once an appraiser is licensed, he/she is required to engage in continuing education courses so the license stays up to date. To see the specific requirements for any state click here.
Mortgage lenders are an appraiser's typical customer, requiring their services to ensure real estate involved in a mortgage transaction is adequate collateral for a loan. Appraisers also provide opinions for legal settlements, tax matters and investment decisions.
Gathering data is one of the primary tasks an appraiser performs. Data can be split into Specific or General. Specific data is from the home itself; Location, condition, amenities, size and other specifics are gathered by the appraiser while on site.
General data is received from a many sources. Local Multiple Listing Services (MLS) have information on recently sold homes that might be used as comparables. To double-check actual sales prices, we research items in the assessor's office and other public documents. Appraisers routinely need to report when a property is in a flood zone, and that information is retrieved from a FEMA data outlet such as a la mode's InterFlood service.
An appraisal is a valuable tool whenever your home's value is pertinent to a financial decision. For those selling a home, you'll want to figure out a price that gets you the most profit but doesn't leave your home on the market too long; an appraisal can help with that. If you're buying, it makes sure you don't overpay. If you're engaged in an estate settlement or divorce, it ensures that property is divided fairly. Simply put, a house is often the single, largest financial asset anybody owns. Without knowing its real value, wise financial decisions are impossible.
PMI is an acronym for Private Mortgage Insurance. It covers the lender in the event a borrower doesn't pay on the loan and the market price of the home is lower than the balance of the loan. Once you can prove the amount you owe on your home is less than 80% of the home's market value, you can make a case to your lender to drop the PMI.
Did you have less than 20% to put down on your mortgage? Contact Belanger Appraisals, Inc today at 757-729-2073. You may be able to cancel your Private Mortgage Insurance premium.
The first step in most appraisals is the home inspection. During this process, the appraiser will come to your home and measure it, determine the layout of the rooms inside, confirm all aspects of the home's general condition, and take several photos of your house for inclusion in the report. Is there anything you can do to help? Yes there is! First, be sure the appraiser has easy access to the exterior of the house (gates aren't locked, etc). Trim any shrubs and move any items that would make it difficult to measure the structure. On the inside, make sure we can easily access appliances like furnaces and water heaters.
The exception to this rule is when a home owner engages an appraiser directly. In these cases, the appraiser may define how the appraisal can be used; for PMI removal, or estate planning or tax challenges, for example. If not noted otherwise, the home owner can use the appraisal for any purpose.
No matter where you go, however, renovating a kitchen is almost always a safe move. One recent study revealed that putting $20,000 into a kitchen remodel would add about $17,500 to the value of the home - or about an 88% return on investment. Bathrooms were second, returning 85%. On the contrary, something that may not add value would be painting just for the sake of redecorating.