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Terms and Conditions
Loud Marketing Terms and Conditions
All Promotions Terms and Conditions
1. Introduction, Incorporation and Interpretation
1.1. These Terms are incorporated into each agreement entered into between the Customer and Loud Marketing relating to the supply of Promotions, whether or not the Order Form or any other document to which the Customer agrees makes reference to the Terms.
1.2. In this Contract:
"Loud" means Loud Marketing.
"Maps Listing" means a first page Google maps listing as specified on the Order Form
"Contract" means the contract, of which the Order Form forms part, to which these Terms apply;
"Customer" means the person identified as such on the Order Form, or the Non-paying Customer;
"Customer Content" means the Customer's content created or supplied by the Customer for use in the Maps Listing;
"Customer Links" means any hyperlinks placed by the Customer in the Customer Content or otherwise in the Website Listing;
"Order Form" means the paper or online order form which forms part of the Contract or, where there is none, the sales receipt;
"Deposit" means the deposit paid for the Business Listing as set out in the Order Form, including any additional top-up payments;
"Email" means an email sent to the Customer as a result of a completed online contact form
"Lead" means any of the following: Call, Click, View, Email;
"Fees" means the set up fees and any service provision fees (including interest) for the Business Listing, as set out on the Order Form;
"Linked Content" means the content of any website linked to by the Customer Links
"Terms" means these terms and conditions;
"Third Party Provider" means any third party service provider (including but without limitation search engines or telephone directory services) on whose search results the Business Listing will appear;
"View" means a viewing of the Customer website.
2. Maps listing
2.1. Loud shall permit the Customer to or shall himself post the Customer Content on the Maps Listing purchased for the relevant term and subject to the payment of Fees.
2.2. Loud shall develop the maps listing in accordance with the Customer Content, which shall include (as appropriate): business address (including postcode), business telephone number, link to receive enquiry emails, website link, business specific keywords and business description.. The Customer shall provide the Customer Content to Loud, either at the time of the order or within 2 weeks from the date on the Order Form (unless otherwise agreed in writing) and in such format as Loud reasonably requires. If Loud does not receive the Customer Content within the 2 weeks allowed, then he will complete the Maps Listing using basic business details and reserves the right to make an additional charge, in accordance with its current rates, for the time spent developing the Customer Content. By completing the Order Form the Customer agrees to be bound by the terms of the Contract. No conditions other than those set forth herein and in the Order Form shall be binding on Loud unless: (i) specifically agreed to in writing by Loud and (ii) signed by or on behalf of the Customer and Loud. Save in respect of any such exception, in case of any inconsistency between the Order Form and these Terms, these Terms will prevail.
2.3. Loud aims to complete the Maps Listing within four weeks of receiving the Customer Content (where applicable, depending upon the services purchased).
2.4. Loud reserves the right at his discretion to submit the Maps Listing, or the relevant part thereof, to one or more Third Party Providers, and if it does so, the Customer agrees that Loud has no control over these search engines and as such cannot guarantee that the submission will be accepted or at what position in the search results the Maps Listing will appear.
2.5. Except as otherwise expressly provided in the Order Form, positioning of Maps Listings is at the sole discretion of Loud or the Third Party Provider, and neither Loud nor the Third Party Provider will be prohibited from also carrying Maps Listings for any product or business competitive to that of the Customer.
2.6. Unless stated on the Order Form, Loud cannot guarantee any Leads of a Business Listing, or timescales for delivery with any such performance based service.
2.7. Loud and any Third Party Provider shall be responsible for the hosting, operation and maintenance of the Maps Listing and, although it shall use its reasonable endeavours to keep the Maps Listing available on the Internet, Loud gives no guarantee as to continuing service availability.
2.8. If you do not make the payment required for the hosting of your website for a period of 20 days from the date that the monthly invoice was sent Loud Marketing Ltd will contact you via email advising you that your website will be deactivated. Loud Marketing Ltd will then provide you with an addition 7 days to respond to the email and make the payment required in order for them to reactivate your website.
2.9. Unless otherwise agreed in writing, any property or material supplied by or on behalf of the Customer in order for Loud to create the Maps Listing will not be returned to the Customer.
2.10. Loud may telephone the Customer from time to time and, as with incoming calls to Loud, the Customer accepts that all such calls may be recorded for internal purposes, including monitoring and training.
2.11. The Customer accepts that Loud cannot ensure that the Maps Listing is in all respects visible in all browsers and versions of these browsers. Loud shall use its reasonable endeavours to ensure that the Maps Listing is visible in the most commonly used version of Internet Explorer.
2.12. The Customer accepts that any Maps Listing purchased is subject to editorial review by Loud and any Third Party Provider. Loud also reserves the right, without liability, to reject, replace, omit, terminate or exclude Any Maps Listing, Customer Links or order for the same, for any reason, at any time, with or without notice to the Customer, whether or not such listing, link or order was previously acknowledged, accepted, or published. Not withstanding this, Loud will use reasonable endeavours to fulfill the Customer's requests.
2.13. Information concerning the Customer contained on the Maps Listing will be derived from information provided by the Customer and it is therefore the Customer's responsibility to ensure that the information is accurate by checking the Maps Listing. The Customer acknowledges and agrees that the information it has submitted to Loud shall at all times be accurate, complete and up to date. Loud Marketing shall incur no liability for any errors in that information, except those which were introduced by Loud and could not reasonably be checked by the Customer. Loud reserves the right to edit the content provided by the Customer in order to improve delivery. If Loud finds any evidence indicating that the Customer has provided false information in its listing, it reserves the right to cancel the Contract without notice.
2.14. The customer acknowledges and accepts that their services and or products may be reviewed either favourably or unfavourably by third party consumers and that third party review activity does not constitute the view or opinion of Loud. The Customer accepts that Loud offers no editorial services for reviews and is not in a position to investigate every review, but takes reasonable steps to prevent libellous or offensive materials from being posted online, although Loud reserves the right either to maintain or to remove reviews for any reason within its sole discretion.
2.15. The Customer accepts that Loud will remove positive reviews if they can be traced to the business owner or others connected with the business (falsely representing oneself as a consumer is illegal under European Legislation).
2.16. The Customer accepts that Loud will generally only remove negative reviews on the basis of a breach of the truth and reserves the right to apply its sole discretion in the matter.
Video Profile Advertising
2.17. Subject to feasibility, and payment of the appropriate fees and charges as set out in Clauses 3.14 and 3.15, Customers shall be entitled to commission either of two types of video profile – a Custom Video (60 seconds long) or a Photo Video (30 seconds long) ("the Video Profile"). Loud shall develop the Video Profile in conjunction with a third party production partner ("Video Production Partner" – "VPP"). The VPP will retain creative and editorial control over the video profile. However, it is the Customer"s responsibility to provide all information or materials required for production, on time and in the correct format. A failure to do so will be deemed to be the grant of any reasonably necessary discretion by the Customer so as to enable the Video Profile to be completed by VPP. Loud will accept no liability for, and the Customer will grant Loud an indemnity in respect of, any losses arising out of any such failure.
2.18. Following completion, the "draft" Video Profile will be emailed by the VPP to the Customer. There will then >be a five working day review period during which the Customer may request reasonable one-off minor amendments to the Video Profile free of charge. Any changes requested thereafter will be subject to additional charges (see Clause 3.15).
2.19. The final Video Profile will contain a watermark and feature the company logo at the beginning and end. Loud also reserves the right to include a short (no longer than 5 seconds) advertisement pre and post rolling of the Video Profile. Loud will host and stream the Video Profile on its own website and, at its absolute discretion, may licence the same to be displayed on the website of any other third party provider with which Loud has dealings.
2.10. Any Video Profiles and all copyright and related intellectual property rights therein (except any underlying copyright or other intellectual property rights, which will have been licensed to Loud by Clause 7.4) will remain the exclusive property of Loud. Customers are free to use the Video Profiles wherever they wish during the term of the Contract provided that the Video Profiles remain in their originally produced format. They may not be re-edited and the Loud logo credits may not be removed. Customers have the right to promote their Video Profile link (URL) on any marketing materials and, subject to the foregoing, may also display, publish or disseminate the Video Profile in any way they see fit.
2.21. Where the Customer grants any licence relating to the Video Profile to a third party, it shall be upon the same terms as Loud licence to the Customer and shall, in particular (but without limitation) include provisions that the Video Profile shall only be used if the Loud logo credits are included.
2.22. All Video Profiles are subject to an annual hosting fee as set out in Clause 3.7. The hosting fee for the first 12 months is included within the charges for the production of the Video Profile.
2.23. Upon expiry or termination of the Customer"s Contract with Loud, any links to the Video Profile under the control of Loud will be disabled; the Customer is required to disable any links to the Video Profile within its power or control; and any rights relating to the Video Profile granted by Loud will be withdrawn. In such circumstances, Customers may purchase a licence to use the Video Profiles on third party websites for a one off cost as set out in Clause 3.7, providing that the Video Profiles remain in their originally produced format. Under no circumstances may the Video Profile be re-edited or the Loud logo credits removed.
3. Payment of the Fees
Payment Terms (all products other than Pay-as you-go- products)3.1. Where the Fees set out on the Order Form include those expressed to be initial set up fees, the Customer shall pay that element of the Fees on entering into the Contract. Where the Fees set out on the Order Form include those expressed to be monthly set up or service provision fees, the Customer shall pay those elements of the Fees monthly in advance by direct debit unless otherwise specifically agreed by Loud. In the event that, for whatever reason, Loud do not obtain any of the agreed instalments by direct debit, from the Customer when due as herein provided (time being of the essence) Loud can without notice or demand, declare the entire amount due under the terms of the Contract as payable immediately. The Customer hereby agrees and expressly authorises Loud to charge the Customer's credit/debit card with the full amount owed without further recourse to the Customer and where any attempt by Loud to obtain Fees fails for whatever reason, the Customer will incur an administration charge of £50 which shall be payable immediately and in addition to the full amount outstanding.
3.2. All payments made shall include value added tax at the prevailing rate.
3.3. Loud reserves the right to increase its service provision fees, on certain market controlled services only, at any time, subject to 30 days notice of such an increase sent electronically to any e.mail address that Loud have for the Customer or by post to the Customer"s registered postal address.
3.4. Ongoing Agreement – Where we are managing campaigns on an ongoing basis and no specific end date has been agreed with you, you shall be deemed to have authorised us to continue advertising on your behalf until you give us 30 days notice (in writing via post) to the contrary. Monthly budgets committed to will be deemed to be indicative, rather than maximum ceilings, unless you state otherwise (this leads to better value for money and a more even spread of your monthly budget).
3.5. The Customer shall pay all amounts due to Loud in full without any deduction or withholding and shall not assert any credit or set-off or counterclaim against Loud in order to justify the withholding of the whole or part of any such amount. If any Fees become overdue for payment Loud may claim interest, (both before and after judgment) at a daily rate of 4% above the Barclays Bank base rate on any outstanding amount until all Fees are received, together with the costs of recovering payment, including any incurred by a debt recovery agent.
3.6. The Customer shall not be entitled to withhold payment, in full or in part for any bookings of Business Listings accepted by Loud, by reason of the fact that Loud is prevented from publishing (or continuing to publish) such Business Listing in whole or in part by any court of competent jurisdiction or does not publish or ceases to publish such Business Listing in consequence of any actual or threatened legal proceedings or by order or request of any regulatory body or generally recognised industry or internet watchdog organisation or for any other valid reason.
The Customer shall immediately on demand reimburse Loud with any costs incurred by Loud in connection with such legal or other proceedings.
Pay-as-you-go Leadfinder Payment Terms
3.7. Customer"s credit/debit card details, provided when paying the original Deposit) as soon as the account falls to within 2 charged Leads of falling below zero.
Where any such attempt by Loud to charge the Customer's debit/credit card fails for whatever reason, the "automatic top-up service" will be discontinued, the Customer's account will be reduced to zero and the Advertising Product will be downgraded to a basic non-marketed listing. The Customer can reinstate the Advertising Product at any time thereafter by supplying a further Deposit.
Unless the "automatic top-up service" applies, the Customer is required to monitor its account balance and top it up when the balance gets low to avoid the listing being downgraded. Without prejudice to the foregoing, a reminder will normally be sent out by Loud when the account is within 2 charged Leads of falling below zero. The Customer may access its account balance at any time by sending a request.
If the Customer requests a refund from Loud (see Clause 3.10 below), no payment will be made in respect of any remaining funds which were credited by Loud. The credit provided by Loud will also be cancelled at that time and will not be available for further use, even if the Customer tops up its account again.
3.8. All Leads are subject to a charge. This includes, but is not limited to, clients undertaking these actions on their own listings, multiple clicks or visits by the same user, third parties "crawling" the client website and leads that do not result in new business.
3.9. The contractual total number of Leads delivered will be in accordance with statistics recorded by Loud. These statistics are definitive, final and not open to challenge by the Customer.
3.10. Loud guarantees neither the rate of Lead delivery nor the quality or origin of the Leads.
3.11. The Customer may cancel the contract and request the return of the balance of the Deposit (including any top-up sum) at any time within the 12 months following its most recent top-up. Where the outstanding balance is less than £5.00, the Customer will not be entitled to a refund due to the administrative expense.
After 12 months from the date of payment of the Deposit, or the most recent top-up if later, the Customer will no longer be entitled to request a refund. For the avoidance of doubt, no refunds of unused funds will be made beyond this period. It is the Customer's responsibility either to arrange a further top-up or to request a refund within the aforementioned 12 month period.
3.12. All payments made shall include value added tax at the prevailing rate.
3.13. Loud reserves the right to increase its monthly fees at any stage but will require confirmation on agreement from the customer.
3.14. On making an order, you will be required to pay a non-refundable deposit (being a fixed percentage of the total value of your order) which will always be non-refundable
3.15. Where Loud is prevented from publishing (or continuing to publish) the Business Listing in full or in part by any court of competent jurisdiction or does not publish or ceases to publish such Business Listing in consequence of any actual or threatened legal proceedings or by order or request of any regulatory body or generally recognised industry or internet watchdog organisation or for any other valid reason, the Customer shall immediately on demand reimburse Loud with any costs incurred by Loud in connection with such legal or other proceedings.
Video Profile Advertising Charges
3.16. The standard charges in respect of any Video Profile commissioned shall be as set out on the relevant Order Form or other similar contractual document between the parties and shall be payable in accordance with the above provisions of Clause 3. All Video Profile charges, including the additional charges at Clause 3.15 below, are nonrefundable.
3.17. The following additional services and charges may be requested and/or apply:
Additional filming (£350)
An additional day"s filming (maximum 3 hours actual filming) can be requested, to be shot at the original location or a different one. One Video Profile only will be produced from the combined footage.
Additional Editing (£100)
A re-edit, but without re-shoots or additional filming, may be requested.
Additional Annual hosting (£199)
There will be a further charge of £199 per annum for hosting the Video Profile on customers's website after the end of the first 12 months.
Cancellation of appointment, the following fees apply:Where the Customer completely cancels filming prior to an appointment being arranged, cancellation fee – £100
Where the Customer postpones a filming appointment within 24 hours of its scheduled start, postponement fee – £150
Where the Customer completely cancels filming after an appointment has been arranged, cancellation fee – £200.
4. Term, Renewals and Termination
4.1 Subject to the rest of Clause 4 and in particular Clause 4.4, the term of the Contract will be as set out in the Order Form or, in the case of Customers, as long as the Customer"s account is in credit, indefinite, unless the Contract is cancelled in accordance with the terms set out herein or otherwise terminated, or, in the case of Non-paying Customers, indefinite and terminable by either side on notice.
4.2. Subject to Clause 4.4, Maps Listings are, where appropriate, subject to a minimum contract period which is based on the specific product chosen and is set out on the Order Form.
4.3 Subject to Clause 4.4, this contract is, where appropriate, subject to automatic renewal for the same minimum contract period as set out in the Order Form and the Contract will continue until cancelled in accordance with the terms set out herein or otherwise terminated. If the Customer wishes to terminate the contract at the end of the initial minimum contract period, it shall provide Loud with a minimum of 30 days written notice of the same.
4.4. Where Loud agrees in the Order Form to deliver a minimum number of Leads, then if Loud delivers 150% or more of its target before the expiry of the initial term of the Contract, Loud shall notify the Customer and offer to renew the Contract for a period equal to the initial minimum contract period running from the day after 150% of Target was reached. The target shall remain unaltered (unless both parties agree mutually satisfactory new terms) and the provisions set out in the Order Form shall be confirmed in an updated order form setting out the appropriate dates and other information. If, within 14 days of notification, the Customer elects not to renew its contract with Loud, the Contract shall be terminated, Loud shall be deemed to have fulfilled its obligations under the Contract and the Customer shall have no accrued rights in that regard. If the Customer accepts the new terms, or fails to respond within 14 days, the Customer will be deemed to have accepted the new terms as set out in the updated order form and a new contract between Loud and the Customer will have been formed.
4.5. For pay as you go Customers, the Contract will continue in force until 12 months after the Customer's most recent Deposit or top-up. At that time, the Business Listing will be downgraded to a basic nonmarketed listing and the Customer"s unused funds will be appropriated by Loud as an administration charge. The Customer can reinstate the Business Listing, upgrading it from a basic non-marketed listing, at any time thereafter by supplying a further Deposit.
4.6. Either Loud or the Customer may terminate the Contract with immediate effect by giving notice to the other party if that other party is in breach of any of its obligations under this Contract and if, other than when the breach is a failure to pay Fees, where it is capable of remedy, the breach has continued unremedied for a period of seven days after the other party has given notice to the defaulting party, specifying the breach and the steps required to remedy it. Without prejudice to 3.1 above in the event of any unremedied breach by the Customer Loud can without notice or demand, declare the entire amount due under the terms of the Contract as payable immediately.
The Customer hereby agrees and expressly authorises Loud to charge the Customer's credit/debit card with the full amount owed without further recourse to the Customer and where any attempt by Loud to obtain Fees fails for whatever reason, the Customer will incur an administration charge of £50 which shall be payable immediately and in addition to the full amount outstanding.
4.7. The termination of the Contract (for any reason) shall;
(i) be without prejudice to any other rights or remedies which Loud may be entitled to under the Contract or at law;
(ii) not affect any accrued rights or liabilities which Loud may then have; and
(iii) not affect the coming into or continuance in force of any provision of the Contract which is expressly or by implication intended to come into or continue in force after such termination.
5. Customer Content
5.1. The Customer shall provide the Customer Content to Loud either at the time of the order, for example in the online Order Form, or within 2 weeks of the date on the Order Form by means of an email to email@example.com or such other email address as Loud may elect or by post. Loud shall use the Customer Content to create the Maps Listing.
5.2. The Customer represents, warrants and undertakes that the Customer Content and the Linked Content complies with the warranties and other provisions in Clause 7.
5.3. Loud reserves the right at any time without notice to remove any Customer Content (or Customer Links) from the Maps Listing if it reasonably believes the Customer Content (or Linked Content) would, or would be likely to, put the Customer in breach of Clause 7 or any other provision of the Contract or would otherwise be detrimental to the interests or goodwill of Loud. Any such action shall be without prejudice to Loud other rights and remedies.
5.4. Any Customer Content which contains content of an unlawful or otherwise unacceptable nature (including but not limited to pornography or content depicting violence) may be reported to the appropriate authorities.
5.5. The customer agrees to allow Loud Marketing Ltd to place a small text link at the footer of a clients website simply stating the website was created by Loud Marketing Ltd. The text link will provide a link back to Loud Marketing Ltd website.
6. Limitation of Liability
6.1. Except as expressly provided in this Contract, Loud gives no warranty in relation to the provision of services under this Contract and all warranties, express or implied, are excluded.
6.2. Loud does not limit or exclude liability for death or personal injury caused by negligence.
6.3. Subject to clause 6.2, Loud entire liability to the Customer arising out of or in connection with the Contract, including without limitation breach of contract, misrepresentation (except where fraudulently made) and tort (including negligence), is limited to the amount of the Fees paid by the Customer under the Contract in the preceding 12 months. This clause also applies in the case of Non-paying Customers, Clause 1.2 notwithstanding.
6.4. Subject to clause 6.2 and notwithstanding the generality of this clause, Loud expressly excludes liability for any indirect, special, consequential or economic loss or damage which may arise out of or in relation to the Contract between Loud and the Customer, whether arising from any failure to publish the Business Listing or host the Video Profile in accordance with the Order Form in a timely manner or at all, or otherwise, and for any loss of profits, revenue, anticipated savings, business, contracts, production or goodwill even if Loud has been advised as to the possibility of such damages.
6.5. In addition, without limiting the foregoing, Loud shall not be liable for any loss, damage or delay howsoever arising caused by events which are not reasonably foreseeable or by circumstances outside its reasonable control, including without limitation governmental action, natural disaster, insurrection, riot, explosion, failure of infrastructure or power suppliers, embargo, strikes whether legal or illegal, labour or material shortage, transportation interruption of any kind, work slowdown, the failure of third parties to provide necessary or desirable services or other reasons which result in the prevention or delay of its performance under the Contract. Loud shall be excused from such performance to the extent of such prevention or delay.
6.6 Save as specified in this clause, Loud shall not be responsible for any error in the placement of, or failure to place, any Business Listing on customers website or with any Third Party Provider. If Loud Marketing fails to publish any Business Listing or deliver the number of Leads provided for in the Order Form or in the event of any other failure, technical or otherwise, of such Business Listing to appear as provided for in the Order Form, Loud liability will be limited (at the option of Loud) to either:
(i) publishing the Business Listing (or a replacement if provided by the Customer) on positions agreed in the Order Form or as agreed with the Customer as soon as is reasonably practicable in the period following the period during which the Business Listing was scheduled to run and for such time as is necessary to generate a number of substitute impressions or click-throughs of equivalent monetary value to the shortfall; or
(ii) refunding to the Customer that proportion of the Fees paid which relate to those Business Listings or Leads which were not published or delivered or, if the relevant Fees were not paid by the Customer, agreeing that such amounts will not be due or payable or, in the case of a Pay-as-you-go Customer, refunding the balance of the Deposit remaining.
Loud will only provide a refund to the Customer under sub-clause 6.6 (ii) if:
(a) the Customer Content arrived within the time limits specified in the Order Form;
(b) it complied with Loud technical specifications; and
(c) changes to the Customer's schedules were notified to Loud within the timeframe set out in the Order Form.
6.7 Loud will use reasonable skill and care in performing its duties hereunder but subject thereto:
(i) Loud hereby excludes any warranty, express or implied, as to the performance, quality, accuracy or fitness for a particular purpose of Loud or of any of the contents of its website;
(ii) Loud will not be liable for any losses or damages arising (whether in tort (including negligence), contract or otherwise) directly or indirectly as a result of use of the customers website or in connection with Maps Listings on Google, including without limitation from any technical malfunction, computer error, defect in software, loss of data or other damage or disruption to listings;
(iii) Loud makes no warranty that the contents of its website are free from infection by viruses, worms or trojans or anything else that has contaminating or destructive properties; and
(iv) certain links on Loud may lead to resources located on servers maintained by third parties over whom Loud has no control and Loud accepts no liability arising from access to or use of any material contained on those servers.
6.8. Each of the provisions of this clause 6 is to be construed separately and independently of the others, and if any provision of this clause 6 (or any other clause herein) is found by any court or other judicial body of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision will not affect the other provisions of this clause 6 (or any other clause herein) which will remain in full force and effect.
7. Licences, Customer Representations and Indemnification
7.1. The Customer warrants and represents that it is the owner of or is licensed to use the entire contents and subject matter contained in its Customer Content, advertising and information, including, without limitation,
(i) the names and/or pictures of persons;
(ii) any copyright in the material, trademarks, service marks, logos, and/or depictions of trademarked or service marked goods or services, or any other intellectual property rights; and
(iii) any testimonials or endorsements contained in any Customer Content submitted to Loud.
7.2. In addition, the Customer warrants and represents to Loud that:
(i) It has the right to publish all of the contents of the Customer Content submitted pursuant to the Order Form, and can grant to Loud such right, and that such publication will not: (a) breach the confidence or rights of privacy of, or, without limitation, infringe the copyright, database rights, trademark rights, patent rights, moral rights or any other intellectual property rights of, any third party; or (b) violate any applicable law or regulation;
(ii) The Customer Content is legal, proper, decent, honest, accurate and socially responsible;
(iii) It has complied with the codes of practice issued by the Committee of Advertising Practice in the UK, including, without limitation, the British Code of Advertising, Sales Promotion and Direct Marketing, and all other relevant codes under the general supervision of the Advertising Standards Authority or any other relevant authority;
(iv) The Business Listing either: (a) does not constitute a financial promotion within the meaning of the Financial Services and Markets Act 2000 ("the Act"); or (b) has been approved by an "authorised person" within the meaning of the Act or is otherwise permitted under the Act or another applicable law and the Customer has expressly notified Loud in writing of this;
(v) It does not collect or use personal information through its Business Listing without permission from the user and shall at all times comply with the Data Protection Act 1998 (the Customer may not combine, co-mingle, compare or match any information that it legally collects via its Business Listing with any personal information, click-stream or cookie information that it may have); and
(vi) Where it is required by law that a licence or other express permission is required for it to operate its business and/or to advertise, the Customer is so licensed or permitted and will be throughout the term.
7.3. Further the Customer warrants, represents and undertakes that the Customer Content, and any Linked Content:
(a) will not contain anything that is indecent, obscene or unlawful;
(b) will comply will all applicable law;
(c) will not contain any defamatory, false, misleading or untrue material or material which abuses, harasses, threatens or is otherwise offensive to any other person;
(d) will not restrict or inhibit any other user from using the customers website.
(e) will not contain any virus or other material likely to harm the customers website;
(f) will not contain any other material which is likely to harm the reputation of Loud.
7.4. The Customer hereby expressly grants to Loud:
(i) a non-exclusive, world-wide right to use, reproduce, publicly display, and distribute the Maps Listing in accordance with the Order Form and these Terms and warrants that the Customer has the right to grant such licence;
(ii) the express right to reproduce throughout the world without limitation, Customer Content, screen shots of the Maps Listing supplied to the Customer by Loud, video, review comments, business descriptions and other business information and any content of the Customer"s website on or in any promotional or advertising material or campaign promoting or advertising Loud.
7.5. In consideration of the Loud acceptance of and preparation of such maps Listings, the Customer agrees to indemnify and hold Loud and Loud employees harmless against any and all claims actual or of any kind (including, without limitation, any claim of trademark or copyright infringement, libel, defamation, breach of confidentiality, breach of any statutory or regulatory duty, false or misleading advertising or breach of any industry advertising codes or sales practices), damages, liabilities, costs and expenses, including reasonable legal fees and expenses, arising out of or in connection with:
(i) any Customer Content or Linked Content,
(ii) Loud proper performance under the Contract, and
(iii) the copying, printing, distributing, or publishing of the Maps Listing by Loud
7.6 The Customer represents and warrants that it contracts with Loud as principal, and has the authority to do so, notwithstanding that the Customer may be acting as an advertising agency or media buyer or in some other representative capacity.
8. Copyright and Intellectual Property
The entire copyright and any other intellectual property rights in the Customer Content throughout the world (save those licensed to Loud) shall as between the parties remain the exclusive property of the Customer.
9. Use of Data
The Customer hereby agrees and acknowledges that Loud (or representatives or agents of Loud) will collect personal data supplied by the Customer, including contact details such as names, addresses, telephone numbers and e-mail addresses, and that Loud may use and retain any personal data supplied by and relating to the Customer for the purposes set out in this Contract. The Customer agrees that Loud may use any Customer address or e-mail address for the purpose of contacting the Customer about Loud products and services.
10. Confidentiality
10.1 The provisions of the Order Form and all communications passing between the Customer or any of its agents and Loud are confidential and must not be disclosed to any third party except:
(a) by either party to its qualified accountants or legal advisers; or
(b) as otherwise agreed by the parties in writing or as otherwise required by law, by any government authority, court order, regulatory body or stock exchange requirement. In addition, in connection with their discussions, the Customer may have received and may in future receive from Loud certain valuable technical and non-technical information and materials relating to Loud and its business, which is confidential and proprietary to Loud. The Customer agrees to preserve the confidentiality of information belonging Loud.
10.2 The Customer and its agents are hereby put on notice that Loud and its affiliates are particularly sensitive to public statements about the Loud web services, their contractual relationships and their product plans. Improper or ill-timed statements are likely to have a detrimental effect on the business of Loud and its affiliates and may contravene applicable law. Consequently, the Customer must not, and must ensure that any agent or person acting on its behalf does not, make any public announcement in respect of the Order Form or the relationship between the parties without the prior written consent of Loud including without limitation any pre-announcement in respect of the display of advertising on any Loud forum. For the avoidance of doubt, the foregoing prohibition includes public announcements by any third party acting on behalf of the Customer and any communication that the Customer knows will or is likely to be made public. Any breach of this clause 10.2 by the Customer will be deemed to be a breach of confidentiality under this clause 10.
11. General
11.1. All notices to be given under the Contract shall be in writing and shall be sent by email or by first class post to the email or postal address on the Order Form or subsequently notified to the other party. Any notice given under the Contract which is sent by post in accordance with this clause 11 shall be deemed to have been received two days after posting.
11.2. This Contract, incorporating the Order Form, these Terms (and any other relevant Loud terms), constitutes the entire agreement between the Customer and Loud in relation to the Business Listing or Video Profile. No addition to or modification of this Contract shall be effective unless it is in writing and signed by duly authorised representatives of both the Customer and Loud.
11.3. Nothing in the Contract shall create, or be deemed to create, a partnership or joint venture between the Customer and Loud or the relationship of principal and agent between the Customer and Loud.
11.4. The Customer may not assign the whole or any part of its rights or obligations under this Contract without the prior written consent of Loud. Loud may assign or subcontract the whole or any part of its rights or obligations under this Contract without restrictions.
11.5. No person has any rights under this Contract save as may be set out in it and the parties agree that the Contracts (Right of Third Parties) Act 1999 is excluded.
11.6. You may terminate your Contract to expire at any time by giving us at least one month's notice and paying 50% of the remaining contract upfront. You are free to restore your Contract throughout this notice period, should you change your mind.
11.7. This Contract shall be governed by and construed in accordance with English law and the Customer and Loud submit to the non-exclusive jurisdiction of the English courts.
11.8. The placing of an Order Form for the insertion of a Business Listing, or the setting up of a free Basic Profile with Loud, shall amount to an acceptance of these Terms and, subject to sub-clause 2.2 (i) and (ii) of these Terms, any conditions stipulated on an Order Form or elsewhere by an agency or a Customer shall be void in so far as they are in conflict with them, unless agreed in writing by Loud.
11.8. No waiver of any provision hereof or of any right or remedy hereunder shall be effective unless in writing and signed by the party against whom such waiver is sought to be enforced. No delay in exercising, no course of dealing with respect to, and no partial exercise of any right or remedy hereunder shall constitute a waiver of such or any other right or remedy, or the future exercise thereof.


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Update: While Maribel was released from detention, Francisca was tragically deported.
Francisca and Maribel both fled extremely violent ex-husbands with gang ties and asked for asylum, only to be caged by ICE at the infamous for-profit Hutto immigration prison for women in Texas. At Hutto, they experienced extreme hostility from guards and were fed rotten milk and inedible uncooked food. Francisca, Maribel, and at least 25 other women at Hutto organized, wrote letters about their conditions to an immigrant rights organization called Grassroots Leadership, gave interviews to media, and launched a hunger strike. ICE retaliated swiftly against Francisca by transferring her to an all men's immigration prison, while they threw Maribel into solitary confinement and then transferred her to a distant immigration prison without telling her lawyer.
Francisca and Maribel should not have to endure any more. Francisca had lived for twenty years in the U.S., is married to Claudio who is a green card holder with diabetes who needs his wife, and has two daughters Monica and Cinthya who are DACA-eligible and four U.S. citizen grandchildren. She was deported in 2011 to Mexico, leading to her facing extreme violence and danger. Francisca pleads, "I come fleeing to seek asylum in this country. I want them to hear my case. Please help me. If they deport me, not much time will pass before they kill me." She has already been detained for more than 9 months and is growing depressed. From Monica: "I just hope that God hears our prayers and gets her back with us because we've been separated for almost six years already."
32-year-old Maribel, who is part of the Afro-Indigenous Garifuna community in Honduras, has already survived horrible sexual violence from both her ex and his enemies who raped her to try to get revenge on him. After her partner Wilmer's brother and father were murdered, they knew their only option was to try to run for their lives. Devestatingly, Wilmer was deported by ICE a few months ago and was disappeared upon arriving in Honduras. He is almost certainly dead. Also, Maribel is experiencing severe health problems. She has sickle-cell anemia and has had blood in her urine for weeks. She also is covered in bruises. Maribel says, "With this imprisonment, day by day they are destroying me, they're draining my life. I can't take it anymore, I feel like the living dead in this prison." ICE claims they have no record of her having health problems, while at the same time giving her pills that they refuse to identify and disciplining her for fainting. Understandably, she has been experiencing serious depression, which ICE has been "treating" by sedating her so that she sleeps all day. ICE has already caged her for over a year. Maribel says, "I can't take it anymore, my soul doesn't have any more strength, I need my freedom to be able to begin to overcome everything that has happened to me outside and inside of here."
A shelter in Austin has already said that they can house Maribel. Francisca will go live with her husband in Amarillo. ICE recently denied their parole requests.
Please sign and share this petition and also call Enrique Lucero at the ICE office in Texas at 210.283.4711 and Richard Rocha at ICE HQ at 202.407.5142 telling them:
"Please release refugee mothers Francisca Morales Macías (A#098652351) and Maribel Zelaya (A#206872250) immediately on parole! Maribel is extremely ill from sickle-cell anemia and cannot get proper healthcare in detention. Francisca has been detained for 9 months and Maribel has been detained for a year. They both have survived extreme violence. Maribel's partner was disappeared and has probably been murdered after being deported by ICE a couple months ago. After Francisca was deported in 2011 to Mexico after living here for 20 years, she experienced violence and threats to her life. She has an LPR husband and two DACA-eligible adult daughters in Texas. CCA retaliated against both women for participating in the Hutto hunger strike. Their parole requests were recently denied. They have survived too much already. Release them now so they can begin healing from their ordeals."
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subset: commoncrawl


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This is the 2019 high school basketball boys all-metro teams. | All-metro girls team
» Boys players of the year: Sharife Cooper and Isaac Okoro, McEachern
» Girls player of the year: Kayla McPherson, Madison County
» All-state teams: Boys | Girls
» All-metro teams by area: Atlanta | Cobb | DeKalb | Gwinnett | North Fulton | Southside
Atlanta/South Fulton
Player of the year: G DeMarcus Johnson, Tri-Cities
Co-coaches of the year: Omari Forts, Tri-Cities, and Eddie Johnson, Therrell
First team
G Ja'Quavian Florence, South Atlanta, 6-3, Jr.
G Chase Hunter, Westlake, 6-3, Sr.
G DeMarcus Johnson, Tri-Cities, 6-0, Sr.
F/C Walker Kessler, Woodward Academy, 7-0, Jr.
G Messiah Thompson, North Atlanta, 5-8, Sr.
Second team
F Robbie Armbrester, Therrell, 6-5, So.
G Quincy Olivari, Westlake, 6-3, Sr.
F Tyrel Morgan, Hughes, 6-5, Sr.
G Ra'Sean Frederick, Therrell, 6-5, Jr.
G Marcus Foster, Drew Charter, 6-4, Sr.
Honorable mention: Christopher Dumas, KIPP Atlanta Collegiate; Titus Hunter, Tri-Cities; Micah McAllister, Landmark Christian; Jamarious Pledger, Douglass; Roman Son, Therrell
Cobb County
• Atlanta | DeKalb | Gwinnett | North Fulton | Southside
Co-players of the year: Sharife Cooper and Isaac Okoro, McEachern
Coach of year: Mike Thompson, McEachern
First team
G Terrell Burden, Campbell, 5-9, Sr.
G Sharife Cooper, McEachern, 6-1, Jr.
G Jalen Harper, Pebblebrook, 6-1, Sr.
F Jordan Meka, Mount Bethel Christian, 6-8, Jr.
F Isaac Okoro, McEachern, 6-6, Sr.
Second team
G/W Chandler Baker, Walker, 6-4, Jr.
G Jaiden Diamond, South Cobb, 6-2, Sr.
G Devan Dixon, Allatoona, 5-11, Sr.
F Stanley Eze, Mount Bethel Christian, 6-5, Sr.
F A.J. Hopkins, Whitefield Academy, 6-6, Jr.
Honorable mention: Coleman Boyd, Mount Bethel Christian; Justin Day, Sprayberry; C.J. Henderson, Kell; Roscoe Eastman, Wheeler; Devin Gordon, Pebblebrook
DeKalb County
• Atlanta | Cobb | Gwinnett | North Fulton | Southside
Player of the year: Kadarius "K.D." Johnson, Southwest DeKalb
Coach of year: Eugene Brown, Southwest DeKalb
First team
G Eric Gaines, Lithonia, 6-2, Jr.
F James Glisson III, Southwest DeKalb, 6-6, Sr.
G Matthew Gonzalo, St. Pius, 5-10, Sr.
F Jermontae Hill, Tucker, 6-6, Jr.
G Kadarius "K.D." Johnson, Southwest DeKalb, 6-1, Jr.
Second team
G Devon Barnes, Cedar Grove, 6-3, Sr.
F Kanaris Cummings, Cedar Grove, 6-4, Sr.
G Bryson Dennis, Stone Mountain, 5-10, Sr.
G Lamar Oden, Greenforest Christian, 6-4, Jr.
G Rodney Smith, Chamblee, 6-2, Sr.
Honorable mention: Niko Broadway, St. Pius; Justin Fleming, Druid Hills; Javen Smith, Redan; Liron Thomas, Columbia; Nathaniel Ogbu, Tucker
Gwinnett County
• Atlanta | Cobb | DeKalb | North Fulton | Southside
Player of the year: Marcus Watson, Buford
Coach of year: Eddie Martin, Buford
First team
G Brandon Boston, Norcross, 6-7, Jr.
G Jamir Chaplin, Meadowcreek, 6-4, Sr.
G Hunter McIntosh, Greater Atlanta Christian, 6-2, Sr.
G Deivon Smith, Grayson, 6-2, Jr.
G/F Marcus Watson, Buford, 6-6, Sr.
Second team
G Jalen Benjamin, Meadowcreek, 5-10, Sr.
G Sion James, Lanier, 6-4, Jr.
G Donell Nixon II, Buford, 5-9, Sr.
F Leslie Nkereuwem, Discovery, 6-8, Sr.
G Kyle Sturdivant, Norcross, 6-3, Sr.
Honorable mention: Nahiem Alleyne, Mountain View; Eric Coleman, Buford; Damian Dunn, Meadowcreek; Kendall Lewis, Shiloh; Brenden Tucker, Dacula
North Fulton
• Atlanta | Cobb | DeKalb | Gwinnett | Southside
Player of the year: Dwon Odom, St. Francis
Coach of year: Drew Catlett, St. Francis
First team
G Dwon Odom, St. Francis, 6-1, Jr.
G Kamar Robertson, Cambridge, 6-0, Sr.
G/F Cameron Sheffield, Chattahoochee, 6-6, Jr.
G Bruce Thornton Jr., Milton, 6-3, Fr.
G A.J. White, Chattahoochee, 5-10, So.
Second team
G Brandon Barron, Alpharetta, 6-0, Sr.
W Chase Ellis, St. Francis, 6-2, Jr.
G Miles Herron, Roswell, 5-10, Sr.
F Chance Moore, Holy Innocents', 6-5, So.
G/W Quinn Richey, Mount Pisgah Christian, 6-5, Sr.
Honorable mention: Matt Cleveland, Cambridge; Donaven Hairston, Milton; Malachi Martin, Milton; George Pridgett, Roswell; Kolby Wade, Roswell
• Atlanta | Cobb | DeKalb | Gwinnett | North Fulton
Player of the year: Fermandez Jones, East Coweta
Coach of the year: Derrick Mason, Eagle's Landing Christian
First team
G Fermandez Jones, East Coweta, 6-0, Sr.
G Christopher Hood, Eagle's Landing, 6-4, Sr.
G Trevon Reddish, Eagle's Landing Christian, 6-5, Sr.
W/F T.J. Bickerstaff, Sandy Creek, 6-8, Sr.
F/W Brandon Stroud, East Coweta, 6-6, Jr.
Second team
G Josh Dupree, Fayette County, 6-2, Sr.
G/F Mekhi Cameron, Eagle's Landing Christian, 6-4, Sr.
G Wisdom Uboh, Henry County, 5-9, Sr.
F Rayquan Brown, Mundy's Mill, 6-5, Sr.
F Jamaine Mann, Starr's Mill, 6-6, Jr.
Honorable mention: Julian Alexander, Sandy Creek; Curtis Perdue, Woodland-Stockbridge; Xavier Valley, North Clayton; Tay Watson, Newnan; Chris Youngblood, East Coweta
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text:
Horrified by depictions of black women on TV, the Daily Beast's Allison Samuels shunned prime time for years. But she says that two new shows are doing a much better job of representing African-American women.
Still, it seems it's never too late for a change, even in prime-time television. In the last few weeks that change has arrived, for me at least, in the form of two new shows, VH1's Styled by June and the new Shonda Rhimes drama on ABC, Scandal.
Both are thoughtfully produced and skillfully crafted. And they finally give the TV audience an opportunity to meet a more balanced and layered type of black woman — minus the bad attitudes, dysfunctional relationships with rappers and ballers, and the usually required girl-on-girl boxing match.
On the embarrassment-free reality show Styled by June, the cameras follow June Ambrose in her life and her job as a stylist to Jay-Z and other top celebrities. Ambrose shines as a worldly woman whose penchant for Hermès bags, silk turbans, and mile-high stilettos never overshadows her deft business skills, compassion, and dedication to helping her clients feel better on the inside and out with as little drama as possible.
Read Allison Samuels' entire piece at the Daily Beast.
Like The Root on Facebook. Follow us on Twitter.


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Emma is a dog in need of a home
Emma is a 7-year-old female American bull dog mix with a short white coat with brindle patches. She is spayed and up to date on her shots. The shelter volunteers say Emma likes wrapping herself in a blanket at night. She would be well-placed in a home with no other pets or younger children. To adopt Emma contact the Shelton Animal Shelter, 20 Riverdale Ave., 203-924-2501.


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I'm not afraid to admit it – I'm a fan of TV dance shows, especially So You Think You Can Dance! So, at the top of my holiday research wish list is the opportunity to work with SYTYCD to develop a segmentation model of their audience- not based on demographics, but based on viewers' motivations for watching the show, what they get out of it, and whether they attend live dance or if they dance themselves.
Drawing from WolfBrown's research for the National Endowment for the Arts published earlier this year 36% of people who say they are involved in dance do so only through recordings or broadcasts. This is a big bucket of activity that encompasses the dance competition shows (and which I hypothesize may be largely driven by them) that we know very little about. The challenge lies in finding the people who are only involved in dance through recordings or broadcasts. Data on SYTYCD audiences would give me access to this exact population (as well as to those who watch on TV in addition to attending live dance or dancing themselves).
SYTYCD appeals to me as a former dancer, because in a way it lets me relive some of the highs and lows of when I danced myself, but the day my husband (whose TV viewing is otherwise dominated by sci-fi) rewound the DVR to re-watch a performance on SYTYCD (because it "moved him"), I had some tangible evidence that these shows might be opening more people to the power of dance as a form of artistic expression.
I think a segmentation model for dance that incorporates the motivations and values of the dance-on-TV-only crowd, as well as those who attend live performance and dance themselves, would be an important tool for the dance field as a whole.
Happy Holidays!


text:
Eco system benefits of the river Mur
Michael Jungemeier, Tobias Köstl, Stefanie Weiglhofer
Styrian Ombudsman for the Environment
Department for Public Finance and Infrastructural Policy (Vienna University of Technology, Prof. Dr. M. Getzner)
The project focus is on the identification, qualitative description and quantification of the most important ecosystem benefits of the Styrian Mur River, followed ultimately by an assessment of their economic relevance. The methods employed will be an analysis and critical synthesis of the available data. The output is intended to provide an economic parameter for use in the public discussion and consideration of public interests, e.g. for the design and construction of power stations. In addition to the above, a representative survey will be carried out among households in the Styrian catchment area of the Mur about the river's ecosystem performance with regard to recovery and leisure time as also with a view to the protection of species and nature conservation.


text:
We offer real estate equity and debt investments through BentallGreenOak, an SLC Management company.
BentallGreenOak is a leading, global real estate investment management advisor and a globally-recognized provider of real estate services.
BentallGreenOak serves the interests of more than 750 institutional clients with expertise in the asset management of office, retail, industrial and multi-residential property across the globe. BentallGreenOak has offices in 22 cities across ten countries and three continents with deep, local knowledge, experience, and extensive networks in the regions where we invest and manage real estate assets on behalf of our clients.
For more information about BentallGreenOak real estate equity investments and property management services, please visit www.bentallgreenoak.com


text: The following are the main changes to the Rules of Golf effective January 1, 2019 that are expected to have the most impact on the game and to be of most interest to golfers. The items covered on this page are organized into nine categories. Within each individual item, you will find the main reasons for the change.


text:
Women's Wool Blend Boxy V-neck
Main features
- Supersoft luxe merino and cashmere seater
- Fabulously flattering v-neck shape
- Easy-fitting drop shoulders
- Three-quarter bell sleeves
- 92% merino wool/8% cashmere, machine wash cold
- 67.5cm/26½ins long in size M
Full Description
V is for versatile
You simply can't go wrong with a v-neck: the shape is fabulously flattering and it's easy to layer too. Our wool blend version is perfect - beautifully textured, it has an infinitely modern feel with a slightly cropped body and fabulous bell sleeves. Pair with your favourite skinny jeans for the perfect weekend look that works - without trying too hard.
Delivery and returns
Questions and answers
Delivery to the UK
- No matter how large your order, our rate for delivery is £3.95
- Speedy delivery without the express charge!
We usually process your order within 24 hours and deliver it to you by courier within 3-4 working days from despatch. (Please note: monogramming or hemming adds a day or two on delivery.)
Delivery to all other countries
- We deliver via courier within 4-5 working days
- Shipping charge may be adjusted based on order value and destination of the order outside the United Kingdom*
*Please bear in mind that any package arriving may be subject to local customs and duty charges.
Exchanges and returns


text:
We take a multi-disciplinary team approach, integrating strong business and tax planning with employment law, real estate, dispute resolution and administrative law focuses from a variety of CPM attorneys to provide cost-effective and comprehensive legal and tax solutions to our non-profit and tax exempt entity clients.
Tax exempt organizations are, at their core, business operations, whether they focus on educational, religious, scientific, support, vocational, arts, culture or human services mission focuses. Our clients routinely face funding challenges generated by the current economic conditions and therefore seek to generate alternative revenue sources from fundraising, grant-writing, governmental and private programs and grants and operational sources.
Our lawyers are skilled at reviewing and recommending policies and procedures for the vast array of challenges faced by non-profit and tax exempt entities, including whistleblower, document retention and destruction, unrelated business income, conflicts of interest and general board governance. The imposition of scrutiny arising from the revision of IRS Form 990 (Tax Return of Tax Exempt Organization) has increased the need for these types of policies, and our planners assist clients with development, review and monitoring of such policies to fit within the reach of the federal and state legal structure.
Carlile Patchen & Murphy's tax exempt organizations and non-profits team offers planning expertise in the following general areas:
We represent tax exempt and non-profit organizations in a variety of organizational, membership, and governance arenas, including fiduciary duties of directors and officers, conflicts of interest, committee responsibilities, indemnification policies and procedures, governance documents and policies, Sarbanes-Oxley Act compliance and related issues.
We advise public charities and other tax exempt entities on procedures and compliance issues relating to hot button tax topics such as fundraising, lobbying and gaming activities, excess benefit and private inurement, support and activities for benefit of individuals and organizations abroad, membership organizations, services and products provided to organizations and individuals, private foundation and supporting organization excise taxes, qualified amateur athletic organizations and donor-advised funds.
We take a hands-on, pragmatic approach to preparation of Forms 1023 and 1024 (Applications for Recognition of Exemption from Taxation) and related addenda, which involves an integrated, question-and-answer-based process whereby clients are guided through these complex forms in a manner that only a firm with extensive experience in preparation and submission of such applications can provide. Our application process starts with a review of applicable tax exempt purpose laws, rules and guidance to provide a reasonable prediction as to whether the Internal Revenue Service will likely grant a determination letter before the client organization expends money on the application that it otherwise could spend on its vital mission.
We represent numerous specialized non-profit organizations that are regulated by state and federal laws and advocate on their behalf before governmental rule-making bodies such as the Ohio Division of Financial Institutions, the Ohio Veterinary Medical Board, the Federal Deposit Insurance Corporation, and the Internal Revenue Service.
We have assisted numerous non-profit and charitable organizations in mergers, combinations, acquisitions, consolidations and related transactions and the implementation of subsidiaries to achieve mission-specific or tax-driven goals.
We have assisted private and non-profit developers in all aspects of development and financing of affordable housing projects, from assistance in applying for and obtaining tax credits from applicable governmental authorities, to financing the development and operation of the completed projects through private and public lenders and institutional investors. We also regularly represent management companies and owners before state housing finance agencies in connection with ongoing operational requirements and audits imposed by the Internal Revenue Service.
Our Family Wealth Planning Practice Group offers extensive experience to individuals seeking to implement planned giving arrangements and other types of charitable gifts for benefit of nonprofits and charitable organizations such as a favorite university, church or charity. We assist client organizations in establishing pledge and endowment funds which comply with governmental rules and regulations that are specifically applicable to charitable organizations.
Carlile Patchen & Murphy serves as outside general counsel for a number of national, regional and local trade associations. We provide all manner of representation with respect to association legal needs, such as tax exempt entity status, legal health check-ups and legal audits, policies and procedures, governance, member programs and benefits, fundraising and general business representation.
Because Carlile Patchen & Murphy is, at its core, a business law firm, our services to nonprofit and tax exempt organization clients spans a wide range of general business areas, including:
Negotiation and drafting of contracts
Leasing and acquisition of office space and program facilities
Licensing and intellectual property protection
Trademark and copyright protection
Insurance and indemnification issues
Securities issues applicable to debt and bond financing
Executive employment agreements
Staff policies and procedures
Research and venture agreements for development of intellectual property


text:
During your stay in our Hostal you will be able to enjoy a wide variety of activities that offers the city of Tarifa. Ask us and we will advise you with pleasure.
Hostal La Calzada - C/ Justino Pertiñez, 7 - 11380 Tarifa-Cadiz, Spain - Tel.: +34 956 681 492 -
Web Design:
Media Factoring, S.L.


text: It's so simple, just select the text you want to increase size of and resize accordingly. Check the size of page you are using for print and edit that text into it easily through MS-Word or any PDF formatter. Adjust boarders and layout as portrait during printing and also helpful for all purpose. I hope this will get you out of that mess.


text:
Daily Life in Taiwan: An Interview with Yu-Chen, a Taiwanese Elementary School Teacher
In an interview with Yu-Chen (also known as "Joyce"), a Taiwanese elementary school English teacher, we can see what things about daily life are the same as in the United States, and also what things are different. We can also see the role that international education plays in Taiwanese culture and in its school system. In this interview about daily life in Taiwan, Yu-Chen talks a lot about her experiences with other cultures growing up, which reveals the importance Taiwanese people place on knowing about the world around them.
Introduction: Taiwan is a democratic, developed country located south of Japan, and very close to China's southern coast. Daily life in Taiwan is similar to that in the United States—people live with their families, they have pets, they go to work every day, and they like to hang out with their friends and have fun on the weekends. However, daily life in Taiwan is also very different from the United States in a lot of ways. Taiwan's small size and closeness to other Asian countries has made the Taiwanese government put an emphasis on international experience and education. This can be seen in the life of Yu-Chen, an elementary school English teacher in Luodong, Taiwan. Yu-Chen is well educated, and has a broad knowledge about other cultures and countries. She knows four languages, and has traveled to over fifteen countries. While she may be special in how much time she has been able to spend abroad, this awareness of other cultures is something that is very common among Taiwanese people. Below is an interview with Yu-Chen where she describes some parts of her daily life. This interview not only shows what Yu-Chen's life is like, but also illustrates the large role international education plays in her own life, and also in the lives of other people in Taiwan.
1. What is your full name?
My full name is Huang, Yu-Chen (Hanyu Pinyin is Huang1, Yu4-Zhen1). In Chinese, your last name goes before your first name. My last name is Huang, and my friends call me "Yu-Chen." Most Chinese people have three words in their names. That is the standard. I also have an English name, Joyce. I use this name when I am in an English-speaking environment.
2. Where do you live? What is your house like?
I live in a small town with more than 70000 residents in rural Taiwan. The town is called Luodong. Luodong has a lot of fields and rice paddies. It is really beautiful in the Spring and Summer when you can see the mountains and the green sprouts of the rice that go on for miles. One of my favorite places to go in Luodong is Meihua (Plum Blossom) Lake, to have coffee and look at the water, the mountains, and the beautiful daoist temple there. I live in a three-story house in the center of Luodong with a garage and a backyard. I have lived in that house my whole life with my parents and my brother. The house is 25 years old but it doesn't look old.
3. What is your family like?
I live in a small family with my parent and two cats. I have a younger brother and he is currently living in another city. My brother is in Taipei, the capital city of Taiwan. He is a doctor there. He sometimes comes for a visit every month or so. My mother is retired, but she once worked for the Taiwanese government. She worked at a natural area in Luodong for awhile doing office work. My family members are shy but nice. I'm not a shy as they are!
4. How do you get around?
I drive a car. In Luodong it is more convenient to have a car in case you want to travel. Parking is okay, but in Taipei it is terrible. It is very hard to find a parking space because there are so many cars! So, I only like to drive to Costco on the edge of Taipei city, and try not to drive inside Taipei. Also, it rains a lot in Taiwan, and especially Luodong and Yilan—200 days out of the year!—so having a car is nice for keeping myself dry and warm.
5. What types of clothing do you like to wear?
I always wear T-shirt and jeans in my free time. When I am working, I wear a dress or nicer shirts. I like to buy a lot of international brands. Clothes in Taiwan are very expensive and sometimes the quality is not as good as imported clothes. While it is more expensive to buy things from American Eagle, or Zara (a Spanish brand) or IZZUE (a Japanese brand) or Uniqlo (another Japanese brand), I think it is worth it because the clothes look good and last a long time.
6. What do you like to do in your free time?
I like to read, go sightseeing and meet some friends in my free time. I am currently applying for a PhD in Education, and am doing a lot of work on my proposal and the outline of my research. I am interested in looking at how elementary school children adapt when they participate in an international cultural exchange program. I will be going with some students from my school to stay with them for one month in Thailand, where they will be studying at an English school. So, I spend my free time preparing for this trip and doing some research on cultural adaptation before I go. When I am not busy doing this, I like to meet up with friends for food and coffee. Mostly around Luodong or Yilan, but sometimes I like to go to Taipei, because Taipei has a lot of different restaurants with food from all over the world. The Japanese food there is especially good!
7. What language(s) do you speak? How do you say "hello" in your language?
I speak Chinese, Taiwanese, English and a little bit of French. I grew up learning Chinese, Taiwanese, and English. In Taiwan, we start learning English in first grade. In Chinese, you can say "Ni Hao," or "Li Ho" in Taiwanese, for "Hello!"
8. Do you have pets?
I have two obese cats. They love to eat. I have to go to Costco twice a month and buy huge bags of cat food for them…it gets pretty expensive.
9. Have you traveled? Where have you traveled to?
Yes. I have traveled a lot and I love to experience different cultures and environments. I have been to Japan, China, Hong Kong, Malaysia, Singapore, Indonesia, Thailand, Australia, Canada, United States, United Kingdom, Spain, France, Germany, Switzerland, and Liechtenstein. I cannot pick a favorite place, because every place is special for its own reasons. But I did really enjoy German food! This summer I hope to visit Vietnam for the first time, even though I hear it is very, very hot!
10. What do you do for work?
I work as an elementary school English teacher in Luodong. Right now I teach first and third grades. I have been teaching for about ten years, and I really love my school and my coworkers. Now, I am looking to get my PhD in Education, and would like to spend some years doing research and living abroad in Europe.
11. Is there anything else you would like to say to students in the United States?
Taiwan is a developed and democratic country in the East Asia. In Taiwan, the weather is always warm. You can only see the snow in some tall mountains in winter. Taiwan is a tourist friendly country where you can meet some nice people, enjoy great food and see beautiful landscapes. Taiwanese people have a reputation for being very kind, welcoming, and generous to foreigners. I welcome all of you to Taiwan. You will fall in love with this small country!
A recent photo of Yu-Chen, aka Joyce, an elementary schoolteacher in Taiwan
Joyce and I at a teaching workshop for ETAs and local English Teachers
Joyce and her friends from her travels all over the globe —Germany, Spain, Japan, and France— celebrating a friend's birthday
A photo of Joyce in front of the Berlin Wall


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This week's topic is all about series books. I read a lot of series books; I always have. There's something comforting about seeing favorite characters again. Mostly when the topic of series books comes up, I talk about YA series. But this time around, I'm going to talk about romance series. Here are some that I'm interested in starting - some old and some new.
- meme from That Artsy Reader Girl
Older Titles
New and Upcoming Titles


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In the wise words of Tom Petty, "the waiting is the hardest part". It's the anticipation or that feeling in the air that something is coming or some change is going to happen. I've had that weird feeling all week long. I have felt a little off-kilter and out of balance.
It could be any number of things. It could be the end of summer. It's been a hot year, and I'm anxious for the hot spell to end since I don't care for hot summer weather. Maybe I have the summer doldrums.
It could be the pending start of the school year. My youngest son will be a senior this year. Yay, class of 2013! It could be that my own schooling starts up again on September 12th. I've really enjoyed having this past month "off" and not having to worry about homework. For some reason, I enjoyed the time off much more this time around. Maybe I'm just tired of school!
It could be that Alex, my youngest son comes home either today or tomorrow. He's been on the road with his Dad this past week, and the house has seemed lonely and quiet. Last time Alex went on the road, his older brother, Matt, was still taking college classes and was home. This time, Matt is working. Matt works longer hours than I do, and I am usually the last one to leave in the morning and the first one home each night.
Maybe it's the construction at work. Our department is relocating to a newly renovated space soon. We will be moving upstairs by six floors in approximately another month. While I am not looking forward to the actual packing and moving, having new space and the fact that we will all be together in one place will be nice.
Or maybe it's something I haven't even anticipated. If that's the case, I hope it is a pleasant surprise.
Life needs mystery or else everything else flattens into a routine
so familiar you wonder if you will ever get out of the rut. We need
the sweet pain of anticipation to tell us we are really alive.
so familiar you wonder if you will ever get out of the rut. We need
the sweet pain of anticipation to tell us we are really alive.
Dave Kindred


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"Genetically modified organisms (GMOs) get a bad wrap from a lot of (ill-informed) modern media…" -laurarose1990Check out laurarose1990's "Around the world in 80 cuisines" blog HERE
Share tastes of Central Africa with – laurarose1990
Cultural cuisine exploration and exchange have been within us all since the beginning. Here, laurarose1990 takes us through a Central African flavor holiday. She also takes the time to give us insights, via her PhD in biology, into "powerful tools" which could play a significant role in the planets nutrition starved societies.


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All is Future-Talk lately in the wedding department. The event-centered stuff is on hold temporarily (there really isn't much more to do!), so Dayne and I spent some of the past few days apartment-hunting. We visited some very different apartment complexes, and today we narrowed our choices down to two.
It's a difficult decision to make because we're going to start house-hunting when we get back from the honeymoon. We have an awesome realtor-friend (shout-out to Kay!), and we want to take advantage of the low interest rates that are characterizing the housing market right now.
So we want to love our apartment, but not too much. We want to settle in, but not settle down. And we need some really flexible lease terms.
One of our prospects – we'll call it Apartment A – offers a housing addendum where we'd only have to pay $50/month extra to enable us to freely break our lease with 60-days notice. In theory, that means we'd only have to pay $100 or $150 max to break the lease and become home-owners. This apartment complex has some stylish amenities – a fire pit at the pool, a nice gym, free continental breakfast on the weekdays (!), a big "business center" which offers free wireless printing, and gorgeous open floor plans with notably nice refrigerators and bathtubs.
Apartment B offers short-term leases at higher premiums (but how are we going to guess how long it's going to take us to find a house?), and it has a pretty severe penalty for breaking the lease early — required 60-days notice and 2 months rent penalty. Their rent is a bit cheaper than Apartment A, but they also have a nonrefundable $350 amenity fee for use of the community pool, tennis courts, sauna, gym, and playground. But they have tennis courts, which is a huge plus for me! They also offer a very unique floorplan which I just fell in love with:
Apartment Complex B is also where Dayne used to live when we first started dating, so it holds some special meaning for us. They also have a wood-burning fireplace in the living room and some really nice built-in shelving.
It's a tough decision and we're praying through it (although, to be honest, our first instinct was to just make the decision based on our personal wishes & desires). Which brings me to my next piece of news: Dayne and I started praying together this weekend. I'm bolding it because it's monumental. I think incorporating spiritual beliefs and practices into any relationship is hard work (and kind of unnatural, unfortunately), and while I've wanted our faith to characterize and direct our relationship, it's been much harder to know how to put that into practice. We've been going to church together the whole time we've been dating, and we've done book studies and looked at the Bible together, but we haven't prayed together or spent any intimate time reading the Bible together. Until now!!
Another thing that we've been talking about/hearing about/learning about, especially at church, is our finances.
Tonight's sermon was incredibly good – about GIVING. I want that to be my first priority with finances, and I truly believe all that I have is God's, but I am selfish and I struggle with living out what I believe. It's so sad when I think about all the money I've kept and used for stupid things. Tonight Phil (the pastor) taught this order for what to do with your money when your receive it:
1) giving
2) long-term investment
3) fixed costs
4) short-term savings (goals)
5) spending
All of a sudden it clicked for me really clearly that we need to give before we do ANYTHING else. And Dayne and I are planning to start with 10% (scary to write this down and really commit to it, but we could use some accountability anyway!). We're also going to read Your Money Counts together (our church has been encouraging using Crown Financial Ministries for money-management).
Our pastor made it really clear that the issue is not really about money, but about LIFE. Our culture teaches us that the way to find life is to accrue and hoard and spend. Jesus teaches us something radically different – that we find life by giving ours away. "Freely you have received; freely give." – Matthew 10:8. God is the Ultimate Giver — and we are created in His image!
"Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life." – 1 Timothy 6:17-19
Bottom line that I'm learning: money doesn't make the world go 'round, God does.
"The Kingdom of Heaven is like treasure hidden in a field. When a man found it, he hid it again, and then in his joy went and sold all he had and bought that field." – Matthew 13:44
I pray for Dayne & me: that our relationship would be a reflection of our Savior — of His generosity, compassion, and love. I pray that we will be better together than we are alone, knowing that God has brought us together and intends for us to grow and glorify Him. I pray that the way we handle our finances would draw others toward Him, the Ultimate Giver. And I pray that we would really listen to Him when He tells us where He wants us to live!


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When your child is labeled gifted in the school system they are automatically labeled and separated. It's a good thing and a bad thing. When they are separated like this yes, it gives them an opportunity to think in a different way and learn in an easier way. Although there are still down sides to it like there are with almost anything. The kids separated into the gifted program are either picked on because others think they have a mental disability or because they are to smart. I personally never understood this when i was in the gifted program. Just because I don't learn by the same techniques as every other child does that mean I have a mental disability?
If you ever have a kid and he is put in the gifted program I would suggest keeping track of your child's progress but don't overbear your child. When you try and make your child succeed instead of encouraging it, it will always frustrate them. I personally ended up not having motivation if someone tried to force it on me. I had to learn on my own though that I couldn't do this. I had to break away from my parents and explain to them, with the help of one of my teachers we worked it out and I managed to get back on track and be motivated with my parents encouraging me rather than forcing me.
The way to tell your child is gifted is just by them having a different style of thinking. This is not a bad thing. You just have to understand your child and be supportive. A gifted child can be really smart its just the matter of getting them the right teachers and methods. Trust me when I say that gifted childrens' ways of thinking vary and are complicated but if you talk to your child and treat them well then they will do the same. It's all about the way you think.


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Amityville Home Protection Spells
Have you ever thought that your home can actually be a scene of crime like the one that happened in the infamous Amityville home in the 70s? Yes, that can happen if you allow your home to be infested by evil spirits. The 70s murder can happen if you are in Amityville or any other place that has been turned into a den of evil spirits. Your home should be a place of peace, harmony and happiness. There shouldn't be anything like that happening in your house soon. My home protection spells will ensure that nothing like that ever takes places in your house or home.
My home protection spells are designed to ensure that your home is protected from spiritual, physical and any other form of violent attacks. It will shield your home from being infested by demons or evil spirits. It will also banish all the negative energies that are likely to cause situations that are harmful to your life and the lives of family members. It will banish, delete and excommunicate all the spirits that cause sickness, suffering poverty and disharmony in your home.
Protection Spells For Someone Else
This spell can also be cast on behalf of a person whose life is in danger. The person may be a political figure, a child, a soldier in a battlefront or a policeman battling rioters in a city. The spell will ensure that their lives are not touched – not even a scratch will be inflicted on their bodies by acts of violence. It will fortify such a person; create a ring of fire around him and construct and impenetrable spiritual fortification that will shield his life.
Home Protection Spells Against Theft
Are thieves enriching themselves by stealing from your home all the time? Do you want to guarantee that nothing of that sort happens again? Cast my home protection spells, home cleansing spells, spells to protect your home, simple home protection spells, magic protection spells and strong house protection spells. Use the form below to contact the best home protection spells caster.


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Ascension Via Christi Hospital, along with the Manhattan Area Chamber of Commerce, will host a ribbon-cutting ceremony and blessing at 4 p.m. July 19 in the new Cardiac Rehabilitation gym (first floor – inside Visitor Entrance). A reception with light refreshments will follow in the Community Room.
Ascension Via Christi has offered cardiac rehab services for several years, but with increased demand and a revitalized focus on patient health and wellness, the decision was made to renovate a larger room to accommodate patients. The new room is outfitted to care for patients, encouraging a safe, supervised exercise program.
"Cardiac rehab allows our patients who have had a heart attack, have undergone heart surgery and those diagnosed with congestive heart failure (CHF) to exercise under supervision and receive regular health and heart checks," said Brian Howells, director of rehabilitation.
"This not only helps our patients develop an exercise routine, but also can improve their quality of life and reduce the risk of another event," he added. "Our trained nursing staff provides education, helps set goals and provides support to patients and their family members."
Cardiac Rehab is one service that Ascension Via Christi offers that can improve patient health while also decreasing hospital readmissions, which are tracked by the Centers of Medicaid and Medicare Services, Howells said.
"Primary care providers can refer patients who meet the conditions for Cardiac Rehab," he continued. "Our team will work with patients until they have met their personal goals and have a long-term plan to help manage their heart health."


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Posted: Nov 25, 2018
(Twin Falls, ID) - TVCC women's basketball team dropped a tough match with Dawson CC Saturday afternoon in Twin Falls, Idaho, losing 97-90.
All five Chukar starters scored in double figures. Freshman Meriah Deugan and sophomore Paige Vorwaller led the 16 points each. Vorwaller also grabbed a game high 16 rebounds.
Sophomore Tara Chamberlain added 14 points and freshmen Macy Markus and Lillian Kelley each scored 12 points.
The Chukars, 3-3 on the season, will host the Alumni and Portland CC this coming weekend.


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Some of the biggest concerns in occupational safety are how to prevent and, if and when they do occur, deal with and manage fires and explosions.
While this document is by no means intended to be a source of expertise, and neither the author nor African Technology Forum claim or offer any expertise in these areas, it is intended to point to at least some available references and learning materials dealing with these issues.
As with our energy hazard control and lockout article, this article deals with the unintentional release of energy. However, here the release can not only be rapid, explosive, and fatal, but self-sustaining, feeding on more and more material, fueling it on to greater and greater destruction. The following material will deal with fires specifically. A follow-on article will cover explosions themselves.
Types of fires and their extinguishers
Fire classifications are based on fuel type or energy source. Extinguishers and the extinguishing agents particular to each type of fire all have the basic job of cooling the fire, blocking further oxygen from driving the combustion, blocking the burning material from further fueling the fire, and stopping any further chemical reactions driving the combustion.
While the physics are the same, across the globe the nomenclature of fire and extinguisher classifications may change. In the United States, for instance, the five classes of fire, and the general methods of extinguishing them, are:
- Class A: Ordinary combustible materials, such as wood, paper, cloth/textiles, and rubber and plastics. Class A extinguishers work by cooling the fuel by absorbing the heat via an agent like water or coating it via a dry agent like powder.
- Class B: Flammable liquids, those with flash points (where their vapors in air can ignite) below 37.8°C (100°F) and therefore very dangerous at room temperature, and combustible liquids, those with flash points between 37.8°C and 93°C (200°F) thus requiring heat above room temperature to ignite. Petroleum-based and petrochemical materials such as oils, greases, paints, lacquers, cutting and hydraulic oils, solvents, and many gases fall in this class. Water will often not extinguish Class B fires and can often just spread the burning material. These fires are extinguished by blocking the available oxygen from the burning fuel and preventing further release of their vapors. Foams and powders are common extinguishing materials.
- Class C: These occur with energized power lines or electrical equipment and are fueled with materials that otherwise would generally be in Class A or B. Extinguishing agents that are non-electrically conductive, such as carbon dioxide or powders must be used. As the fuels in Class C fires are basically the same as Class A or B, once the electrical power is de-energized, Class A or B extinguishing agents may then be used — but, again, only upon de-energization. Water-based extinguishers used when there is any electricity present would of course be highly dangerous. Multi-class A-B-C dry chemical extinguishers are popular for this reason. Built-in extinguishers in industrial operations and data centers may use argon, nitrogen and/or carbon dioxide as inert gases to extinguish such fires.
- Class D: These are fires of combustible metals, such as magnesium, sodium, and potassium, as well as lithium, zirconium, and titanium. Because of extremely high flame temperatures, water can break down into hydrogen and oxygen, enhancing burning or exploding. Dry powder extinguishers based on sodium chloride, sodium carbonate, graphite, copper powder, or other materials are used. Dry sand free of combustible materials can also be used to smother a metal fire and block oxygen from reaching the burning surface.
- Class K: This category covers cooking oils, greases, and fats, a large risk in commercial food and cooking operations. So-called wet chemical extinguishers, typically an alkaline like potassium carbonate to react with the fatty acids, not only stop the flames and reduce the temperature of the fuel, but react via saponification to form a soap that seals the surface and blocks the vapors. These extinguishers can also be used on Class A and flammable liquid Class B fires.
Please note that in Europe and Asia, while flammable liquid fires are categorized as Class B like in the US, they use the term Class C for flammable gases. Asia uses the term Class E for electrical fires, whereas Europe does not have similar nomenclature in this classification system for them. Also, in Europe and Asia cooking material fires are called Class F vs. the US' Class K. As always, while physics is universal, confirm the tools and standards most applicable to your situation.
Storage, maintenance, and inspection of extinguishers
As life- and enterprise-critical equipment, fire extinguishers should be treated and managed carefully and properly. This must include:
- Visibly and protectively storing and mounting them in assigned locations, in clear site and reach of the workforce.
- Frequent inspection, such as monthly or bi-weekly, for pressure level, and nozzle, seal, and pin, and overall body condition.
Records of these inspections and any maintenance should be reviewed by management and kept on file through the rated life of the extinguisher, with replacement extinguishers procured and installed when the old ones are out of date.
Emergency Action Plans (EAPs)
According to the United States Department of Labor's Occupational Safety & Health Administration (OSHA), Evacuation Plans and Procedures eTool site, "An emergency action plan (EAP) is a written document required by particular OSHA standards. [29 CFR 1910.38(a)] The purpose of an EAP is to facilitate and organize employer and employee actions during workplace emergencies".
This Standard Number 1910.38 covering EAPs states " An emergency action plan must be in writing, kept in the workplace, and available to employees for review."
Further, very valuable points to follow as laid out in this standard, are:
1910.38(c) Minimum elements of an emergency action plan. An emergency action plan must include at a minimum:
1910.38(c)(1) Procedures for reporting a fire or other emergency;
1910.38(c)(2) Procedures for emergency evacuation, including type of evacuation and exit route assignments;
1910.38(c)(3) Procedures to be followed by employees who remain to operate critical plant operations before they evacuate;
1910.38(c)(4) Procedures to account for all employees after evacuation;
1910.38(c)(5) Procedures to be followed by employees performing rescue or medical duties; and
1910.38(c)(6) The name or job title of every employee who may be contacted by employees who need more information about the plan or an explanation of their duties under the plan.
1910.38(d) Employee alarm system. An employer must have and maintain an employee alarm system. The employee alarm system must use a distinctive signal for each purpose and comply with the requirements in § 1910.165.
1910.38(e) Training. An employer must designate and train employees to assist in a safe and orderly evacuation of other employees.
1910.38(f) Review of emergency action plan. An employer must review the emergency action plan with each employee covered by the plan:
1910.38(f)(1) When the plan is developed or the employee is assigned initially to a job;
1910.38(f)(2) When the employee's responsibilities under the plan change; and
1910.38(f)(3) When the plan is changed.
More on OSHA's Evacuation Plans and Procedures can be found at https://www.osha.gov/SLTC/etools/evacuation/index.html and https://www.osha.gov/SLTC/etools/evacuation/eap.html.
More from the U.S. Occupational Safety & Health Administration on fire hazards and safety may be found at:
Another good resource for learning and training on fire is the US National Fire Protection Association's News & Research site.
Other information on fire hazards and flammable or combustible materials may be found at:
More information on fire extinguisher basics can be found at:
A cautionary list of major causes of industrial fires and explosions is given here by Nilfisk Inc.'s Industrial Vacuum Division,
Some information on the prevention of explosions can be found here:
From the United States' National Institute for Occupational Safety and Health (NIOSH):