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A Pokemon Go player dies in New Mexico after witnessing a robbery and being shot as she was trying to get away. 21-year-old Cayla Campos was driving with her boyfriend near midnight near Bianchetti Park in Albuquerque just before midnight when they witnessed a robbery taking place.
As she was trying to get away the robbers shot into her car, hitting her in the back of the neck. She then crashed her car into a nearby house. None of the news reports have mentioned the status of her boyfriend who hasn't been identified, most likely for his own safety.
Right now the people who were involved in the robbery and shooting also haven't been identified and they are still at large.
According to the rather morbid pokemongodeathtracker.com, there have been 18 deaths attributed to playing Pokemon Go and 60 injuries since July 10, 2016 when a fan was stabbed while playing the game. Of course, it isn't the game itself that is dangerous but playing the game can put you in dangerous situations if you aren't considerate of your surroundings. The game mechanics also encourage you to go outside just before midnight which is most likely why Cayla and her boyfriend were out so late to witness the robbery.
Our thoughts are with Cayla's family and her boyfriend in this terrible time.
Source: Fox News, Pokemon Go Death Tracker
The post Pokemon Go Player Dies in New Mexico After Being Shot appeared first on MMOGames.com.


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Japan English
Guide for elderly and disabled passengers
Contact Us
Open the menu of Domestic Flights
Domestic Flights
Open the menu of International Flights
International Flights
Open the menu of Mileage
To doctors concerned
Before your patient travels by air
Please determine if the patient's health will permit air travel. Do not hesitate to contact the
Priority Guest Center
if you have any questions.
Prepare documents including medical certificates, medical history, test results, names of medications currently taken, treatment method if condition worsens, and a letter from yourself (the physician) with your contact information (in English for overseas travel).
Inform the patient when to take any medications in case of travel to a different time zone.
In case of an illness characterized by sudden onset, inform the patient of what to do in the event of an attack.
Remind the patient to take all regular medications with him or her onto the plane, and not put them into checked baggage.
Tell the patient the name of a hospital he or she can visit in case of any health problems at the destination.
Ask the patient to inform the flight attendant, hotel front desk, or tour conductor immediately if the patient feels unwell.
General precautions
Pregnant women
Panic disorder
Scuba divers
Passengers requiring additional oxygen
To doctors concerned
Passengers not suited for air travel

subset: commoncrawl


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Seen a scammer? Been caught out? Let the world know so they don't get burned. Add information if you see one that's already been logged - scammers move quickly and change details often to avoid detection. Details you log here will be in major search engines within an hour or two.Please Like, Share, Tweet etc. to spread the word.
|Scam Reporter
|Scam Tips Received
|Susan White
Auckland, Auckland, New Zealand
2014-07-22 01:45:41
Conference/Seminar Scam
| Budgie Brain Digby Scorgie
He tries to give out advice on life but what he writes is just stupied.
Writing about abortion he is just a turd.
Digby Scorgie of Kaipoi is so full of shit his eyes are brown.


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Find best Asian cams on Webcamsites
When it comes to women, men really don't think from their brain. All men have different tastes and preferences when it comes to sex and sexual entertainment. Some want it to be hardcore, whereas some prefer light and sensual. People have become more open when it comes to expressing their sexual preferences and the porn industry is flourishing like ever. Millions of people worldwide surf porn sites. But porn is scripted and some may not enjoy it. So for these people there is another way to enjoy themselves and that is webcam sites.
As the popularity of webcam sites is increasing there are lots of free cam sites that you can find on the internet. These sites have performers and models from all over the world. You can find sexy Asian cams, Latino cams, ebony, and other genres of webcams from these popular sites. One of such free webcam website is Webcamsites.com. When it comes to free online cam sites then this site is the best in the industry.
The Webcamsites is an online portal where you can find lots of sexy Asian cams and other cams and enjoy them on your device. The biggest advantage that cam sites have another type of porn is that it isn't scripted like porn. A performer performs before you live and you can also ask her to perform something if you give her a tip. This is one of the best ways to get your sexual desires fulfilled. Cam girls on the free webcam sites are trained professionals and know how to cope with the demands of the audience.
One more difference that you find on webcam sites from porn is that you can also chat with your favorite performer. Many viewers have fantasized about this but you can't do this with a porn star. Whereas a cam performer will listen to your every demand and ensure you get your sexual fantasy fulfilled.


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ACG Management Portal
The easiest way to scale your cloud training program
Tools to take your team to the cloud
Execute your training program like a pro.
Well, you went and did it. Committed to training your team on the cloud. Now you just have to execute. No biggie. Our Management Portal gives you everything you need to run your cloud training program at scale. Assign courses, create teams, check progress and even generate reports from one central, intuitive location. Whether you're overseeing 10, 100, or 1000 seats, our easy-to-use tools help you manage training at scale without pulling your hair out.
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Thermo-Hose 40-ft. Utility Hose, Orange
$176.99 $186.99
Plug in this Thermo-Hose, let it heat up and quickly have an ice-free water all year round. Double-wall rubber hose requires no draining. Hose heats up in 20-minutes for quick use. Rubber/brass Manufacturer's 2-year limited warrantyFor warranty information please click here 40-ft. length 5/8-in. diameter Weight: 14 lbs. Model no. 5040 Size: One Size. Color: Orange. Gender: Unisex.
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3200 N Loop 250 W
3200 N Loop 250 W
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We have teamed up with OfficeMax to make going Back to School easy! Your child's school stationery list is now loaded and ready for you to start shopping. You can shop online at myschool.co.nz, at your local OfficeMax store or by phone.
If you wish to buy your child's stationery at the Stationery Warehouse, our class stationery lists are here.


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CASA had a great night at the Property Council Awards, winning a merit, an excellence and a Best in Category!
The prestigious Property Council New Zealand Rider Levett Bucknall Property Industry Awards are presented to outstanding property projects, developments or substantive refurbishments across New Zealand. It's really great for our early learning projects to get such recognition and the competition was the toughest ever – NZ has some amazing architecture coming through.
Thanks again Property Council – was a truly great night!


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Guest Speaker
Microbiome • Neuroscience • Longevity • Wellness • Medicine • Genetics • Data Science
Erica Sonnenburg, PhD, is a senior research scientist at the Stanford University School of Medicine in the Department of Microbiology and Immunology where she studies the role of diet on the human intestinal microbiota. She has published her groundbreaking scientific findings related to the microbiota in prestigious journals such as The Proceedings of the National Academy of Sciences, Cell, and, Nature. She is the co-author, along with Justin Sonnenburg, of the book The Good Gut: Taking Control of Your Weight, Your Mood, and Your Long-Term Health.
Dr. Erica Sonnenburg is interested in the role of diet on the human intestinal microbiota with a specific emphasis on how the quantity and various structures of dietary carbohydrates influence this community. She is also interested in how the microbiota is transmitted over generations and how the modern Western diet has influenced the transmission of gut microbes over time. Dr. Sonnenburg's previous research at the University of California, San Diego focused on how human cells perceive outside signals and translate them to affect cellular processes such as cell growth and division and her fellowship at the Salk Institute used X-ray crystallography to determine the three-dimensional structures of key signaling proteins. Her training in microbiota science was in the laboratory of Jeffrey Gordon at Washington University, St. Louis.
The links between our gut microbiome and our health, combined with the malleability of this community, suggests that if we learn the rules for how to manipulate our gut microbes, we may be able to treat and prevent disease. Diet has emerged as one of the most powerful levers available to shape the composition and functionality of the gut microbiome. The Sonnenburg lab is currently focused on understanding basic principles that govern diet-gut microbiome dynamics, and how interactions between nutrients and microbes within the gut can cascade into physiological changes to human biology. To pursue these aims, we apply systems approaches and use genetic tools for the model mouse host and microbes to gain mechanistic insight into emergent properties of the host-microbial super-organism. We are currently using principles of synthetic biology to engineer gut bacteria that can report on gut ecosystem properties and treat disease. Recent data suggest that the microbiome of industrialized societies, which has been shaped by the industrialized environment and diet, differs substantially from the recent ancestral microbiome of humans. Rapid modernization may be causing progressive deterioration of the microbiome. Those of us in the industrialized world may be harboring a community of microbes that is now incompatible with our human biology.
The Sonnenburg lab investigates the principles that underlie microbial community function within the gut. Our overarching goal is to define the mechanisms that connect changes in the gut environment, such as dietary change or presence of a pathogen, to the microbiota's response and understand the resulting impact on host biology. The lab applies molecular genetic and systems-level tools to intestinal microbiology and uses gnotobiotic mouse models to unravel the complexities of interactions that occur within the gastrointestinal tract. New approaches include (i) quantitative image analysis of the microbiota within the gut to address a major gap in understanding the spatial organization of the intestinal ecosystem, and (ii) synthetic biology applications to engineer gut symbionts that can record their own life experiences, detect inflammation, or execute site-specific therapeutic delivery.
The trillions of microbes that inhabit our gut are more profoundly influencing our health than most imagined. How can we manipulate this community to improve our health and longevity? This presentation will discuss new research defining a healthy microbiome and how diet can shape our important community of microbes.
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.


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Saw Oz, the Great and Powerful last night. Dang, even on my day off, I can't help thinking about work.
In the scene when Oscar Diggs is being led into the Emerald City after crashing to earth in a hot air balloon, he's welcomed, hailed and cheered on by a crowd who acclaim him as their long-awaited savior, a great and powerful wizard. But all of this acclamation comes with big expectations: this great and powerful one will save the people from the evil forces that are oppressing them. Hmm, I thought, this sounds like Jesus on Palm Sunday.
The big question was: how was he going to accomplish this? The wizard, that is. Well, Jesus too. The crowd in Jerusalem came out to welcome a great king and warrior, the long-awaited messiah-deliverer. Unlike Oscar, Jesus knew what he was doing – and what he was getting himself into. Oscar doesn't and finally confesses to Glinda the Good that he isn't a wizard at all. Glinda the Perspicacious says, "I know. You're not the wizard I expected but you are the one we need."
Now the comparison does quickly break down. You can't compare this con man, magician, lothario-cum-wizard to Jesus. Although there certainly are those who would want to attribute some of Jesus' activities (not to mention the resurrection) as a lot of 'smoke and mirrors.' But Glinda's recognition of who and what Oscar could be raises questions for anyone professing to be a follower of Jesus: what do we expect from Jesus? If we don't believe in our need for a 'savior from our sins,' then who and what is Jesus? What is it that is oppressing us, from what do we need deliverance? What did the entrance of Jesus into Jerusalem, the crucifixion and the resurrection mean?
I suspect that most of us would like to have a wizard-Jesus or wizard-God enter into our lives and make our troubles magically disappear. I'll confess that in times of trial, I revert to wanting the All-Powerful, Great and Terrible Oz to come down and fix things. But is that the God I need? No. Is that the God Jesus showed us in his life? No.
I love the Jesus who produces this masterful guerrilla theater parade of palms into Jerusalem – in contrast to the pomp and show of military might across town as Pilate entered the city. His way of peace, his way of justice and facing down oppressors is not the quick-fix we might want. But this is the way we need.
I am glad to be part of the parade.


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When I was a kid I could go into any grocery store in my hometown, plunk down a nickel and walk out with the greatest treat in the whole history of kid-ville. It was a huge Moon Pie made up of graham crackers and marshmallow and chocolate. The Moon Pie of my youth was a good 7 inches in diameter, two inches thick and required two hands to handle it until you had gnawed down half of it. It had two half inch layers of graham crackers which sandwiched a good inch of marshmallow, then smothered in a rich chocolate topping.
We loved Moon Pies in California but it was an object of worship in the South. "Moon Pie and RC coca cola" was a refrain shouted out a million times a day south of the Mason Dixon line. Soon retailers picked up on the common refrain and began marketing RC Cola and a Moon Pie, calling it the "working man's lunch" and pricing both items as a ten cent package deal. Field laborers and miners and millions of children gobbled up millions of them every day.
Strangely, the Moon Pie was invented just about the time the formula for making marshmallow emerged. Moon Pies are still made by a bakery down in Chattanooga, Tennessee but they are now but a pale shadow of the original Moon Pie. Today you'll find the Moon Pie to be a little four inch disk, at least 50% smaller than the original. While a 7-11 or Circle K will have them on the shelf at $1.00 each they are commonly packaged a dozen to the box and not as widely available as they once were.
How did they manage to dumb down such a marvelous bargain treat? Well, I did a little research to find out why Moon Pies are sold as much as 20 times more than that original price of a nickel. And I found out what the Moon Pie folks say is the reason for the downsizing.
It seems that, around 1980, the company began getting letters from libtard mothers (yeah the first crop of the "nanny staters" began to emerge about that time). It seems the libtard moms were complaining that, after giving little Tammy or Timmy one of those big Moon Pies as an after school treat, they couldn't get him to eat his broccoli and brown rice at dinner time! The libtards accused the Moon Pie company of poisoning their children with a sugary treat and demanded that they make Moon Pies smaller. Unable to figure out that they could have cut the Moon Pie in half, the libtards, much as they harass MacDonalds today, promised swift boycotts if they didn't downsize these monstrosities.
And let's be frank here folks; I can't see the Moon Pie company objecting much about cutting the size of the Moon Pie in half and charging more for the privilege....so they did! Now the company markets a "two-bite" mini moon pie, a single decker moon pie and a double decker moon pie. Even the largest is half the size of the golden oldie.
So now the libtard moms are happy because they are relieved of the responsibility of exerting portion control for little Tammy and Timmy. The Moon Pie company is happy because they harvest huge profits in selling, taking into account inflation, a treat that should cost no more than a quarter, for a buck a piece.
The only ones not happy are the old farts like me who remember five cent cokes, five cent Hershey bars, ten cent coffee, ten cent newspapers, ten cent comic books....and a wonderfully delicious monstrous Moon Pie that helped me fend off broccoli and brown rice for a good part of my life.


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Still Life with Tornado by A.S. King
My rating: 5 of 5 stars
A.S. King is one of my favourite US YA writers. She manages to weave fantasy and reality together so deftly you hardly notice it. Sarah, this novel's protagonist, is a sixteen year old who is floundering. She feels lost, disconnected and uncomfortable in her own skin – so much so that she wants to change her name: to Umbrella. Little by little we see the cracks in Sarah. She starts to encounter other versions of herself, at 10 years old, 23 years old, and finally at 40 years old. Sometimes she is with all three. King lets Sarah, for the most part, push the story along – but there are periodic interjections from her mother, Helen. Helen, an ER nurse who works mainly at night, also reveals herself bit by bit and as we read we realise that Sarah might not be the only family member in crisis. Sarah's absent brother, Bruce, begins to form in the story about a third of the way in and it is clear his expulsion from the family in contributing to Sarah's fragile state. I don't want to say too much because there are so many kernels of wonderful to explore in this novel. Sarah is a great character: sensitive; smart; funny and trying to find the girl she once was; just like her mother Helen. Can't wait to read the next A.S. King on my list – Dig


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A novel by Orson Scott Card and Doug Chiang
Academy award-winning artist Doug Chiang and best-selling sci-fi author Orson Scott Card join forces for an extraordinary publishing adventure: Robota. An original illustrated science fiction novel, Robota follows the fortunes of a strangely powerful amnesiac named Caps as he navigates an ancient, decaying world in which a dwindling human population battles a society of merciless robot warriors. Aided by talking animals and stalked by terrifying hunter robots, Caps slowly rises to fulfill an awesome destiny. Integrating word and image, Card's masterful storytelling is interwoven with 75 pieces of Chiang's wildly imagined, meticulously rendered art. Packaged in a dramatic metallic case, this unusual and powerful collaboration is tailor-made to thrill.
Genre: Science Fiction
Genre: Science Fiction
Similar books by other authors
(Cyber, book 1)
Matthew Mather
Cory Doctorow
Quantum Lens
(Near Future)
Douglas E Richards
Used availability for Orson Scott Card's Robota
Hardback Editions
January 2005 : USA Hardback
August 2003 : USA Hardback
January 2003 : USA Hardback
Paperback Editions
October 2016 : USA Paperback
Kindle Editions
October 2016 : USA, Australia, Canada, UK Kindle edition


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Hint: Looking for someone with an apostrophe in their name? Try searching without the apostrophe if you aren't able to find them.
Rita L Stodolka (rstodolk)
| Administrative Associate 1
PHARM Medicinal Chemistry
UMN Twin Cities
|Email Address:
|Internet ID:
|Office Address:
| Medicinal Chemistry
Room 477
717 Delaware St SE
Minneapolis, MN 55414
|Campus Mail:
| College of Pharmacy
Room 102 CC 717 Del
1932A (Campus Delivery Code)
717 Delaware St SE
Minneapolis, MN 55414
|Office Phone:
|+1 612-626-6650


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The Godfather, Part II
In his first major interview in twenty years, the elusive Hal Steinbrenner talks to GQ about Roger Clemens and steroids, life with his "overbearing" father, and who's really calling the shots at Yankee Stadium
In February 2007, George Steinbrenner's younger son, Hal, quietly took over the New York Yankees from Steve Swindal, whose marriage to Hal's sister had come apart. A few weeks later, Hal's brother Hank joined him. The ascent of the Steinbrenner sons, unrevealed for many months, was the surest possible indication that George—who spoke frequently of "letting the young elephants in the tent" but could never actually bring himself to surrender power—was unwell. "He wouldn't have given anybody this opportunity," says Darrell Gwynn, a former business partner.
But who were his sons? Little was known about them. Reportedly, both had done well in business, Hal managing the family's hotels, Hank its thoroughbred farm. Neither had ever shown much interest in the Yankees, for reasons that were the cause of much speculation. "The father is not an easy man to work for, as we know," says former baseball commissioner Fay Vincent. "I can't imagine being George Steinbrenner's son," says Gwynn. "Shit, if you didn't take the trash out, what would happen to you?"
During their first, busy off-season, Hank, 50, emerged as a sort of Sonny Corleone figure, impetuous and impudent, throwing down gauntlets left and right. "He wasn't that way growing up," says Yankee ex-COO Leonard Kleinman in surprise. (I'll be told that at one point in his youth, rather than emulate his father, Hank had sought to distance himself from him, changing the name on his mailbox to read "Hank Stein.") His outspokenness—on subjects ranging from A-Rod to Joe Torre to a possible trade for ace Johan Santana—led many to assume he was running the team, but behind the scenes the chain of command was a work in progress. "They indicated that now Hank is the baseball person," a baffled Scott Boras tells me during the first, ill-fated round of A-Rod negotiations, "yet they had me talk with Hal." The brothers handled major decisions tentatively, offering a controversial contract to Yankee manager Joe Torre only after days of deliberations (Torre would reject it) and angering superstar closer Mariano Rivera by delaying his inevitable re-signing. The absence of an enormous personality to blot out these mistakes made them appear more significant than they perhaps were. Throughout, Hal, 38, remained, like Michael Corleone, in the shadows—subtle, wary of media, a private family man.
So I'm shocked when it's Hal and not his brother who consents to an exclusive interview with GQ. We meet in Tampa, at the team's Legends Field spring-training complex, soon after archrival Boston's second World Series victory in four years. (We'll speak again in February.) He greets me at the reception desk on the ecutive floor of the complex, wearing khakis and an open-collared button-down. He's surprisingly boyish looking. Though we're nearly the same age, I call him "Mr. Steinbrenner," and he doesn't ask me to use his first name. As we sit down in a generically furnished conference room, I wonder why we're not meeting in his office; turns out it's adjacent to his father's.
Hal proves to be cagey and prickly but also affable, modest, and disarming. ("If you're going to use a photo in this article, let me know, will you?" he says. "As opposed to making me look like a dork. I'm hoping to get a date out of this, man.") And so we begin what he informs me is his first major interview since his student days at Williams College some twenty years ago.


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MILLER, JAMES H. C. (?–?). James H. C. Miller, early settler, Indian fighter, and physician, established himself in Green DeWitt's colony between 1831 and 1835 and took up residence in Gonzales. During the early 1830s he led a band of militiamen against local Indians who had attacked traders on Sandy Creek. Miller discovered the trail of the Indians and followed it across the Guadalupe, up the San Marcos, and finally into a cedar brake on the Blanco River. There he and his men found the encamped raiders and attacked them, killing about nine. When the Texas colonists split into war and peace parties, Miller joined the peace party. After William B. Travis captured the Mexican garrison at Anahuac, Miller wrote to John W. Smith at Bexar, on July 25, 1835, stating that the Mexican military would do well to arrest the chief agitators and restore order.
Miller was probably sincere in his determination to be a good Mexican citizen and likely wished no harm to his fellow Texans, but as feeling against Antonio López de Santa Anna's Centralist regime mounted, opposition developed against Miller as well. Contemporary critics and early Texas historians attributed to Miller the "loathsome attributes of a Tory and a traitor" and branded him a "creature," a "disgrace to our race." In the face of such vituperation, Miller ran a letter of explanation on October 3, 1835, in the Texas Republican, in which he pledged his loyalty to Texas. The timing of the letter's publication could not have been worse. The day before, hostilities had begun at the battle of Gonzales; Texans were no longer in the mood to accept any viewpoint that smacked of conciliation with the Mexicans. The public excoriation of Miller continued, and he left Texas, most likely before the end of 1835.
Eugene C. Barker, "James H. C. Miller and Edward Gritten," Quarterly of the Texas State Historical Association 13 (October 1909). John Henry Brown, History of Texas from 1685 to 1892 (2 vols., St. Louis: Daniell, 1893). John H. Jenkins, ed., The Papers of the Texas Revolution, 1835–1836 (10 vols., Austin: Presidial Press, 1973).
Image Use Disclaimer
All copyrighted materials included within the Handbook of Texas Online are in accordance with Title 17 U.S.C. Section 107 related to Copyright and "Fair Use" for Non-Profit educational institutions, which permits the Texas State Historical Association (TSHA), to utilize copyrighted materials to further scholarship, education, and inform the public. The TSHA makes every effort to conform to the principles of fair use and to comply with copyright law.
For more information go to: http://www.law.cornell.edu/uscode/17/107.shtml
If you wish to use copyrighted material from this site for purposes of your own that go beyond fair use, you must obtain permission from the copyright owner.
The following, adapted from the Chicago Manual of Style, 15th edition, is the preferred citation for this article.Handbook of Texas Online, Stephen L. Hardin, "MILLER, JAMES H. C.," accessed July 11, 2020, http://www.tshaonline.org/handbook/online/articles/fmi17.
Uploaded on June 15, 2010. Modified on January 25, 2019. Published by the Texas State Historical Association.
View these posts and more when you register your free MyTSHA account.
Call for Papers: Texas Center for Working-Class Studies
Events, Symposia, and Workshops
Hi all! You may be interested in this call for papers I received from the Texas Center for Working-Class Studies at Collin College...
Katy Jennings' Ride
Scholarly Research Request
I'm doing research on Catherine Jennings Lockwood, specifically the incident known as "Katy Jennings' Ride." Her father was Gordon C. Jennings, the oldest man to die at the Alamo...
Texas Constitution of 1836 Co-Author- Elisha Pease?
Ask a Historian
The TSHA profile of Elisha Marshall Pease states that he wrote part of the Texas Constitution although he was only a 24 year-old assistant secretary (not elected). I cannot find any other mention of this authorship work by Pease in other credible research about the credited Constution authors...


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Richardson, TXHome Menu
Smoking Ordinance
Electronic cigarettes, also known as an e-cigarette, personal vaporizer or PV, are exempt from the ordinance.
Smoking is prohibited in the following places:
- In workplaces and restaurants;
- In most enclosed public places including bowling alleys and bingo parlors;
- Within 25 feet of any door, operable window/vent or other opening to an indoor enclosed area; and
- In public parks and in outdoor special events.
The following places are excluded from the Smoking Ordinance:
- Private residences, except when used as a childcare, adult day care, or health care facility;
- Retail tobacco stores with 90% or more of gross revenue derived from tobacco & tobacco products;
- Patios which are unenclosed, outside, and associated with a restaurant or bar, provided that the smoking area is at least 10 feet from the defined entry onto the patio and is not a walkway;
- In bars that derive 70% or more of the establishment's gross revenue from the sale of alcoholic beverages for on-premise consumption, with specific conditions applicable. The establishment is required to report quarterly revenues to the Health Director;
- In bars that derive 50% to 70% of the establishment's gross revenue from the sale of alcoholic beverages for on-premise consumption, as long as the establishment builds a separate smoking room that does not open into any other establishment or area where smoking is prohibited. The establishment is required to report quarterly revenues to the Health Director (Quarterly Sales Reporting form).
The Smoking Ordinance requires businesses to:
- Post "No Smoking" signs at each entryway, front and back, and at restroom entrances and requires smoking places to post a sign indicating that "This is a Smoking Establishment;"
- Do not provide ashtrays, lighters, matches, or other smoking paraphernalia, unless smoking is allowed;
- Advise any person who is smoking in a non-smoking area that they are in violation of the ordinance; and
- If the person willfully continues to smoke, request that they remove themselves from the establishment.
Helpful Links:
No Smoking Sign
Quarterly Sales Reporting form
Sample Policy for Smoke Free Workplace
Surgeon General's Report
Economic Impact of Smoke-free Laws: Case Studies
Smoking Ordinance


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Neo Zhong
Show my name on the attendees list for events I am attending: Yes
Design quotient
Recent comments(3) View all
I don't doubt that it is a great idea. However, in my opinion, if there are some workshops of healthy diet may be much more greater. With my own experience, kids just go for the food fits their taste instead of health. That may be the reason why kids chips and burgers coz they are tasty. A workshop can educate the kids why they should take vege and fruit or say green food, learning about the benefit in these green food and motivate themselves to take part in the health diet program. Also, these kids who arrange the meal for the whole school can get the understanding and praise from their peers.
Hi Basel,
I believe solar power will replace any other fossil fuel all over the world in one day. However, there are a few obstructions to spread this clean energy in world wide.
in terms of the solar power, the current efficiency of per squaremeter of solar panels still stay at a low level. Let's say, the panel on the roof top of a hose may afford the usage of a household. However, it cannot afford the usage for the whole residents in a apartment coz it need more panel area.
In terms of solar city, its business model may work well in the developed countries. But its expand in the developing countries may be limited by the tax exemption and the credit system. the government of theses countries may not offer the same tax incentives, lead to the price of solar power won't be competitive to the fossil fuel. Also, the credit system in these countries is not developed. Solar City will bear a risk to install their solar power system without set up fees.
However, the developing countries need to switch to the clean energy ASAP due to the global envoironmental concern. the consumption of energy is so huge and the efficiency of these consumption is still quite low. Solar power can be a better alternative energy for developing countries. On the other hand, the developing countries is the biggest market for necessities, only China and India can generate 2BN needs.
Neo commented on Sustainable living news and permaculture.
this remind me the shared economy. people look more at utilities instead of look for ownership. Cars, tools, people lend and borrow from their neighbour, communities... The emerge of UBER, AIRBNB is like copy this model from offline to online and maximize the communitie.


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ProForm 905 CST Folding Treadmill
Challenge yourself and rise to meet your goals with the ProForm 905 CST Treadmill. Offering an effective way to exercise indoors, you can now conveniently maintain your health and build your endurance while enjoying the privacy of your own home. Enhance your equipment by connecting to your iFit account (sold separately) and gain the benefit of enthusiastic and knowledgeable personal trainers who want to see you succeed. This ProForm treadmill also features 30 different workout apps that will automatically control your speed and incline to mimic a variety of running terrains.
Digital QuickSpeed and Incline controls allow you to easily toggle from speeds up to 10 MPH and incline grades up to 10%. ProShox cushioning helps absorb impact and supports your joints and knees while you train to make for a more comfortable recovery. A wireless chest strap allows for more accurate heart rate monitoring than traditional EKG pulse sensors, helping you stay in your target heart rate zone for maximized results. Stay cool and hydrated with the built-in CoolAire workout fan and water-bottle holder. [Read more…]


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August 22nd at 8:27am
Ryan Case has been a licensed Realtor with Coldwell Banker for the past five years, and has worked in the Real Estate industry since 2007. Ryan Brings ten years of experience to the team, and is adept at handling any transaction, regardless of property type or price point. Grateful to pursue his passion for a living, Ryan is highly motivated, determined and hands on with each sale from beginning to end. As an extremely dynamic individual, he promptly attends to his clients' needs, while executing transactions with elite professionalism. He doesn't take his responsibilities lightly, genuinely enjoys the time spent working with clients and strives to make each client's experience a positive one.
Alhambra Garden is a gated senior condo community located near the many stores and restaurants along Main Street in Alhambra, California. Built in 2007, Alhambra Garden is comprised of 27 luxury condos. This complex offers several floor plans that feature laundry hookups, spacious family rooms, and open living areas. Residents are drawn to Alhambra Garden because of the many amenities and the close proximity to schools, golf courses, movie theaters, medical offices, and markets. Only one resident per unit must be 62 or older. This complex offers attached 1-car garages as well as a community recreation center with internet, a library, kitchenette, and game room.
109 N 4th ST, Alhambra, CA 91801
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My Room/His Room: Burke 215
They're both SNC-educated. They like to think about things. The inventories of their dorm-room furnishings in both cases include a basketball, a turntable. They make the most of their educational opportunities, and ascribe great value to them. They appreciate the changes they've seen on campus over the time they've known it. They're both above-average height. And they have both, in different eras, fitted their tall frames happily into one of the smallest spaces on campus: Burke 215. One, a history and political science major, has the world at his feet and will graduate this year. The other is now a college president – president of this very institution, in fact. Mike Dauplaise '84 sat down with Nicolas Schmudlach '19 and Brian Bruess '90 as student and president chatted about life on campus from their shared residential viewpoint.
Schmudlach: I lived in Madelaine/Lorraine as a freshman and 3M as a sophomore. That was the river end of campus. Now I find that I'm on the south end of campus, and given my majors, I never go past GMS [Gehl-Mulva Science Center]. I remember when I toured here as a junior in high school, GMS was up but nothing was in it yet.
Bruess: When I graduated, Cofrin Hall was not here, Bemis was not here, and of course the Mulva Library and the new residence halls were not here. Last summer, the Class of 1957 was here celebrating their 60th. Carol and I were talking to a table of people. [Bruess is married to Carol (Sessler) Bruess '90, who also lived in Burke.] They were having trouble navigating on campus because of all the new buildings! I understand. Half of the meetings I'm going to I don't know where they are. It's kind of amazing!
Schmudlach: The first two years I was rooming with people, and then last year I went to a single room in Burke 215. The room itself was small. It was kind of tough in the early going. When you have a roommate, they're always there if you need something. I counteracted that by inviting people over to my room or going to their place to hang out. A single room is very nice because you don't have to worry about rowdy roommates. If there's a mess in the room, the mess is yours. There are pros and cons to both.
Bruess: I chuckle when I hear you describe the room as small. I had a roommate when I lived in Burke 215. At the time, students could make their own lofts and we constructed a single loft across the top of the room that was no more than 16 inches from the ceiling. Underneath we had a small couch and a beanbag chair. We also had 4-foot-tall cabinet speakers for our stereo, and we didn't have video games or computers. Burke didn't have any lounges and we didn't have a Campus Center then, so there was a lot more hanging out in the residence halls than there is today. It was common to see five or six people hanging out in the rooms and all sorts of chaos going on in the halls. Good memories!
Schmudlach: This past year was the first year I had my turntable on campus. I got into vinyls because my friends collect. Half of my collection, bands like Asia, are part of my dad's collection and I get good use out of it. I tend to lean toward heavier music when listening to CDs or digital, so having many of my vinyls fall into the easy-listening category provides a nice selection, especially for my guests.
The misconception about introverts is they can't do any social interaction. If you need to survive, you're going to do social interaction. It's part of how we're wired.
Bruess: I grew up more of an introvert, but I've watched my preferences evolve a bit. When you recharge, you're doing it solo. For someone like you who's really good at interacting with other people and can function well, you and I are what I call performance introverts. You can turn it on when you need to.
Do you study much in your room?
Schmudlach: No, I have established in my mind that my room is the hangout spot and the sleeping spot. I can't do anything productive in my room. It's a black hole of turn-off-the-brain!
Bruess: Students have to find the space that works. I'm always curious about where that is.
Schmudlach: I have an on-campus job in the library. It's a great place to study, don't get me wrong! But I actually go to the Pennings Room off the church atrium to study. I've gone in there maybe three dozen times and only had other people in there maybe three times. It's super chill in there.
Bruess: What are you excited about for your senior year?
Schmudlach: I only have to take three classes for the last two semesters in order to finish both of my majors. I'm looking forward to getting more work experience. I'm working in the library, I'm working for athletics. I do the filming for volleyball and basketball. When you watch it on the computer, that's usually me doing the camera work.
Bruess: How aware are you that this is the most fun time of your life? Once you graduate, the pressures are different.
Schmudlach: I'm aware of [that]. I'm just pushing it away and trying to keep it at bay for a while. It's going to be interesting, but in a way I'm looking forward to it.
Bruess: I think it's really good that you're holding off. I also think it's important to fully immerse yourself in the college experience because it is so unique. It never happens again, even in grad school. It's such a precious time. I love how thoughtful you are about your own experience and not taking it for granted and trying to get the most out of it. It's really a model approach.
Oct. 31, 2018


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The Chinese singularity
How the international bankers own the Chinese.
There is the theory (and that is all it is: Theory) that the universe commenced with the "Big Bang", created from what we refer to as a "singularity". Extrapolation of the expansion of the universe backwards in time using general relativity yields an infinite density and temperature at a finite time in the past. The earliest phases of the Big Bang are subject to much speculation. In the most common models the universe was filled homogeneously and isotropically with an incredibly high energy density and huge temperatures and pressures and was very rapidly expanding and cooling. Approximately 10−37 seconds into the expansion, a phase transition caused a cosmic inflation, during which the universe grew exponentially.
After the initial expansion, the universe cooled sufficiently to allow energy to be converted into various subatomic particles, including protons, neutrons and electrons. Though simple atomic nuclei formed within the first three minutes after the Big Bang, thousands of years passed before the first electrically neutral atoms formed. The majority of atoms that were produced by the Big Bang are hydrogen, along with helium and traces of lithium. Giant clouds of these primordial elements later coalesced through gravity to form stars and galaxies, and the heavier elements were synthesized either within stars or during supernovae.
"WTF are you talking about Earthling? I thought this was a blog about how we own the chinese? Have you lost it completely? Do you need a doctor son?"
Well no. I don't. You see there is a fundamental parallel between the theory of the big bang, the expansion of the universe and the chinese situation today. Think about the singularity which commenced the big bang as having (or being) a catalyst for the expansion and think, then, about what is the catalyst for the expansion of a corporation, an economy, nation or empire.
What happens when the big bang results in the universe's expansion? Well it started off with the creation of the most abundant element – hydrogen. Hydrogen has the atomic number 1 due to the fact it is composed of 1 proton, 1 neutron and 1 electron. But it was also the first element in the universe, which makes sense. Now, as the universe expanded, imagine you were the owner of all the hydrogen from the beginning and every other element formed from the original hydrogen belonged, therefore, to you since it was your original "investment" of that hydrogen which resulted in all other elements. If you removed the hydrogen from the universe, there would be no further manufacture of any other element while the universe would, effectively die.
Now consider the scenario where you do not own hydrogen but you own a significant sum of money. Think, then, of how money is equivalent to the hydrogen. Think of that money being the catalyst, or the singularity, that starts a corporation (or an economy or nation) and it is from that original investment, that the corporation, or economy, then expands.
How do venture capitalist investors own corporations? Do they tend to sit on the board of Executive Directors in the company? No. But what do you consistently hear from the Executive Directos – the CEOs and MDs of such corporations? "Our investors require a certain return from the investment within a certain time" and, for example, where the company (which may have commenced as a Private Limited Company) then progresses toward an IPO (Initial Public Offering of shares), the value on an exchange will, generally, cause an exponential expansion of the corporation's assets and market value. The original seed money ("hydrogen") expands in line doesn't it?
The original investors demand their return (and get it) from the expansion of that company into a public corporation. Now, you can apply precisely the same analogy to the situation which founded the United States of America. It was the British Crown (not the monarch on his own but the Crown in its entirety) which invested, originally, in the establishment of the USA's 13 colonies. It was the Crown's money which funded those who made the journey to the new land and set up the corporations which became these colonies under British law.
[A charter is a document that gave colonies the legal rights to exist. A charter is a document, bestowing certain rights on a town, city, university or an institution. Colonial Charters were empowered when the king gave a grant of exclusive powers for the governance of land to proprietors or a settlement company. The charters defined the relationship of the colony to the mother country, free from involvement from the Crown. For the trading companies, charters vested the powers of government in the company in England. The officers would determine the administration, laws, and ordinances for the colony, but only as conforming to the laws of England. Proprietary charters gave governing authority to the proprietor, who determined the form of government, chose the officers, and made laws, subject to the advice and consent of the freemen. All colonial charters guaranteed to the colonists the vague rights and privileges of Englishmen, which would later cause trouble during the revolutionary era. In the second half of the seventeenth century, the Crown looked upon charters as obstacles to colonial control, substituting the royal province for corporations and proprietary governments.
The Massachusetts and Virginia charters were given to business corporations. Regular meetings of company officers and stockholders were the only governmental institutions required. The Virginia charter, issued in 1606, was revoked upon bankruptcy of the sponsoring and organizing Virginia Company of London in 1624. The second Colonial Charter was granted to Massachusetts Bay in 1629, settling at Boston and Salem, a decade after the first "New Englanders" at Plymouth Colony further south towards Cape Cod. In 1684, the Chancery Court in England voided the charter and changed it to a royal colony. Charles II placed Massachusetts under the authority of the unified Dominion of New England in 1685. After William III came to the throne, he issued Massachusetts Bay a new liberal charter in 1691.
Charles II granted Connecticut its charter in 1662 with the right of self-government. When James II ascended the throne in 1685, he tried to revoke the Connecticut charter and sent Sir Edmund Andros to receive it for the Crown. Captain Joseph Wadsworth spirited the precious document out a window and stole the charter and hid it in a hollow oak tree, the "Charter Oak," until James was overthrown. Connecticut temporarily lost the right of self-government under the unification of the several colonies into the Dominion of New England in 1687, but it was reinstated in 1689. The last charter by Charles II was issued to Rhode Island in 1663. Connecticut and Rhode Island attained colonial charters as already established colonies that allowed them to elect their own governors.
As a result of political upheavals, especially after the three English Civil Wars in the 1640s, and the later "Glorious Revolution" of 1688 with their Roman Catholic—Protestant/Anglican conflicts which also transformed into struggles between the King and Parliament. As these conflicts traveled across the Atlantic Ocean, most colonies eventually surrendered their charters to the Crown by 1763 and became royal colonies as the King and his Ministers asserted more centralized control of their previously neglected and autonomous Thirteen Colonies. By the late 1600s, the colonial Maryland, had its Proprietary Charter to the Lords Baltimore revoked and had become a royal colony with its Governor of Maryland appointed by the Monarch with the advice of his Ministers and the Colonial Offices and Board of Trade of members from Parliament. By 1776, when the Pennsylvania and its lower Delaware Bay counties remained proprietary colonies under a charter originally granted to William Penn and his heirs. The Province of Connecticut and the Province of Rhode Island and Providence Plantations continued as corporation colonies under charters, and Massachusetts was governed as a royal province while operating under a charter after the unifying of the older "Massachusetts Bay" colony at Boston and the "first landing" colony, Plymouth Colony at Plymouth, Massachusetts, with its famous "Mayflower Compact" from 1620. Further south, the Provinces of Virginia, North Carolina, South Carolina, and Georgia to the undefined border with Spanish Florida, all had their original charters dismissed with different opinions about the role and powers and taxing authority between the Royal Governors and their increasingly restless and defiant colonial Assemblies. The Royal Authority reasserted itself and becoming governed more directly from London with increasing friction as the 18th Century progressed to its revolutionary climax.]
These two flags clearly indicate that the "new land" and the colonies and governments formed within it, were British owned.
Now, come the American Revolution of 1776, the "Treaty of Paris", signed on september 3rd 1783, stated the following:
Preface. Declares the treaty to be "in the name of the most holy and undivided Trinity," states the bona fides of the signatories, and declares the intention of both parties to "forget all past misunderstandings and differences" and "secure to both perpetual peace and harmony."
- Acknowledging the United States (viz. the Colonies) to be free, sovereign and independent states, and that the British Crown and all heirs and successors relinquish claims to the Government, property, and territorial rights of the same, and every part thereof;
- Establishing the boundaries between the United States and British North America;
- Granting fishing rights to United States fishermen in the Grand Banks, off the coast of Newfoundland and in the Gulf of Saint Lawrence;
- Recognizing the lawful contracted debts to be paid to creditors on either side;
- The Congress of the Confederation will "earnestly recommend" to state legislatures to recognize the rightful owners of all confiscated lands "provide for the restitution of all estates, rights, and properties, which have been confiscated belonging to real British subjects [Loyalists]";
- United States will prevent future confiscations of the property of Loyalists;
- Prisoners of war on both sides are to be released and all property left by the British army in the United States unmolested (including slaves);
- Great Britain and the United States were each to be given perpetual access to the Mississippi River;
- Territories captured by Americans subsequent to treaty will be returned without compensation;
- Ratification of the treaty was to occur within six months from the signing by the contracting parties.
By February 1796 the treaty, with the exception of an article dealing with West Indian trade, had been ratified by the U.S. and Great Britain. France, then at war with England, interpreted the treaty as a violation of its own commercial treaty of 1778 with the U.S. This resentment led to French maritime attacks on the U.S. and between 1798 and 1800 to an undeclared naval war. Finally, the commissions provided for by the Jay Treaty gave such an impetus to the principle of arbitration that modern international arbitration has been generally dated from the treaty's ratification.
On November 19, 1794 representatives of the United States and Great Britain signed Jay's Treaty, which sought to settle outstanding issues between the two countries that had been left unresolved since American independence. The treaty proved unpopular with the American public but did accomplish the goal of maintaining peace between the two nations and preserving U.S. neutrality.
John Jay
Tensions between the United States and Britain remained high after the Revolutionary War as a result of three key issues. British exports flooded U.S. markets, while American exports were blocked by British trade restrictions and tariffs. The British occupation of northern forts that the British Government had agreed to vacate in the Treaty of Paris (1783) as well as recurrent Native American attacks in these areas also frustrated Americans. Finally, Britain's impressments of American sailors and seizure of naval and military supplies bound to enemy ports on neutral ships brought the two nations to the brink of war in the late 1700s.
The French Revolution led to war between Britain and France in 1793. Divisions emerged in the United States between those who supported the French, including Secretary of State Thomas Jefferson, and those who supported the British, including Secretary of the Treasury Alexander Hamilton. Fearing the repercussions of a war with Britain, President George Washington sided with Hamilton and sent pro-British Chief Justice John Jay to negotiate with the British Government. Jay looked to Hamilton for specific instructions for the treaty. Hamilton recommended an approach that would both stabilize relations with Great Britain and guarantee increased trade between the United States and Great Britain.
Jay's only significant bargaining chip in the negotiations was the threat that the United States would join the Danish and the Swedish governments in defending their neutral status and resisting British seizure of their goods by force of arms. In an attempt to guarantee good relations with Britain, Hamilton independently informed the British leadership that the United States had no intention of joining in this neutral armament. Hamilton's actions left Jay with little leverage to force the British to comply with U.S. demands.
The resulting treaty addressed few U.S. interests, and ultimately granted Britain additional rights. The only concessions Jay obtained was a surrender of the northwestern posts (already agreed to in 1783) and a commercial treaty with Great Britain that granted the United States "most favored nation" status, but seriously restricted U.S. commercial access to the British West Indies. All other outstanding issues, including the Canadian-Maine boundary, compensation for pre-revolutionary debts, and British seizures of American ships, were to be resolved by arbitration. Jay even conceded that the British could seize U.S. goods bound for France if they paid for them and could confiscate without payment French goods on American ships.
Jay's Treaty was immensely unpopular with the American public, but it squeaked through the Senate on a 20 to 10 vote on June 24, 1795. President Washington implemented the treaty in the face of popular disapproval, realizing that it was the price of peace with Great Britain and that it gave the United States valuable time to consolidate and rearm in the event of future conflict.
Chinese Loan.
§2. Viscount WOLMERasked whether it continues to be the policy of His Majesty's Government to assure their exclusive support to the Hong Kong and Shanghai Banking Corporation in loan negotiations with the Government of the Republic of China, and whether this policy is due to a definite agreement with the Hong Kong and Shanghai Banking Corporation; and, if so, what was the date of this agreement and on what date does it expire?
§Mr. ACLANDThe text of the assurance of support given to the Hong Kong and Shanghai Banking Corporation will be included in the Papers which it is hoped to lay before the House to-morrow.
§3. Viscount WOLMERasked the Secretary of State for Foreign Affairs if he will state what guarantees are, in the opinion of His Majesty's Government considered adequate for the proper and useful expenditure of the proceeds of loans to the Government of the Republic of China and satisfactory security for the repayment of principal and interest; and whether he is prepared to communicate confidentially to British financial houses of repute, if they so desire, the conditions on which the support of His Majesty's Government in loan negotiations with the Government of the Republic of China may be obtained?
§Mr. ACLANDI must refer the Noble Lord to the answer returned to the hon. Member for the College Division of Glasgow on the 14th instant. The negotiations between the Chinese Government and the six-Power group being regarded by His Majesty's Government as merely in abeyance, they are not prepared to give support to any other parties desiring to lend money to the Chinese Government.
§Viscount WOLMERWill the hon. Gentleman answer the last part of the question?
§Mr. ACLANDThat is covered by the answer.
§4. Mr. NORMAN CRAIGasked the Secretary of State for Foreign Affairs whether he is aware that by an agreement under seal, dated the 9th March, 1912, and made between the President of the Chinese Republic and the group of international bankers supported by His Majesty's Government, a firm option was conferred upon 5the bankers to provide the monthly requirements of the Chinese Government for the months of March, April, May, June, and possibly July and August, 1912, and the assurance by the Chinese Government to the bankers, provided their terms were equally advantageous with those otherwise obtainable, of a firm option of undertaking the comprehensive loan for general reorganisation purposes then already proposed; whether he is aware that the note to the Chinese President was signed only by His Majesty's Government and the Governments of France, the United States of America, and Germany, or the financial groups representing them, respectively, and not by the Governments of Russia, or Japan, or their financial representatives; will he say whether the conversion of the four-Power group into the six-Power group was before or after the 9th March, 1912; and, if before, what was the date of the admission of Russia and Japan?
§Mr. ACLANDThe answer to the first and second parts of the question is in the affirmative. The Russian and Japanese groups entered the international consortium under an agreement signed on 18th June last. This agreement had retrospective effect so far as concerned participation in the advances already made to the Chinese Government.
§Mr. NORMAN CRAIGWill that further agreement form part of the Papers which the hon. Gentleman has promised to lay on the Table?
§Mr. ACLANDI am not quite sure. Perhaps the hon. Gentleman will put down a question it there is anything not included in the Papers which he would like to have.
§Mr. ACLANDI have already said that Ave hope they will be in the hands of Members to-morrow.
§5. Mr. NORMAN CRAIGasked whether any agreement was ever made after the 9th March, 1912, between the Chinese Government and the six-Power group, or their financial representatives, in regard to any loan to be made to the Chinese Government; and, if so, at what date?
§Mr. ACLANDA subsequent agreement was made on May 17th by which the Chinese Government formally accepted 6the terms prescribed by the group—at that time a four-Power group—for the supervision of the expenditure of provisional advances. In accordance with the stipulations of this agreement an advance of 3,000,000 taels was made on May 22nd.
§Mr. NORMAN CRAIGCan the hon. Gentleman say whether any agreement has come into existence by which the six-Power group take the place of the four-Power group so as to make that binding on the Chinese?
§Mr. ACLANDI would ask the hon. Gentleman to give notice of that question.
§Mr. GINNELLMay I ask whether Russia or Japan has any interest whatever in the six-Power group?
§6. Mr. NORMAN CRAIGasked the Secretary of State for Foreign Affairs whether the four-Power group or the six-Power group supplied the monetary requirements of the Chinese Government for the month of June, 1912; and, if not, whether His Majesty's Government contend that the agreement dated the 9th March, 1912, remained in force as against the Chinese Government, although not complied with by the other parties thereto?
§Mr. ACLANDAdvances were made to the Chinese Government up to the third week in June under an agreement entered into on 9th March, and reaffirmed on 17th May, when regulations governing the supervision of the expenditure were added. Advances were suspended after it was officially reported to the groups by their auditor, appointed under the agreement of 17th May, that it was impossible properly to carry out his duties under the said regulations owing to want of co-operation on the part of the Chinese authorities. Inasmuch as a party to an agreement cannot free himself from it by a failure to observe it, the groups hold that the Chinese are still bound by the terms, of the agreement referred to.
§7. Mr. NORMAN CRAIGasked the Secretary of State for Foreign Affairs whether the agreement dated 9th March, 1912, and made between the Chinese Government and the group of international bankers supported by His Majesty's Government, contained any reservation to the effect that the Governments concerned would not support, and that the group of bankers would not undertake, the provision of moneys to the 7Chinese Government unless assured that the proceeds of the loan would be effectively spent?
§Mr. ACLANDThe agreement of 9th March was confirmed and supplemented by that of 17th May. The latter agreement stipulated conditions for the supervision of the expenditure of advances.
Bloomberg's Business week Magazine:
Jennifer Yu Leads Rothschild's China Push
When Jennifer Yu, Rothschild's top executive in China, wanted the firm to advise Chinese carmaker Zhejiang Geely on its bid for Volvo, some colleagues at the bank's headquarters in Europe were skeptical. A senior banker asked her how a "mouse" like Geely could swallow an "elephant" like Volvo. "There's a dragon behind this mouse, and it's China," Yu recalls answering. She and the team handling Geely won the argument, and Geely won the bidding. It completed the takeover of Volvo from Ford Motor (F) for more than $1.3 billion on Aug. 2.
Rothschild, the more-than-200-year-old family-controlled banking dynasty, is making a big move in China, and Yu is leading the charge. It plans to add 15 merger advisers there by March, giving it 55 in all, more than any foreign investment bank, says Olivier Pecoux, co-chief executive officer of Rothschild. Today, the merger business in China is still relatively small. So far this year, China has accounted for about 9 percent of the $1.1 trillion in deals around the globe, according to data compiled by Bloomberg. The potential, though, is enormous. China has $2.5 trillion in untapped foreign currency reserves and is mandating that state-owned companies expand abroad to secure natural resources such as oil and metals. "The economic balance of power has already changed, and it is moving to the East," says Yu, whose title is head of greater China. "There will be an increasing number of Western companies selling assets to China."
The firm hopes to build on the momentum of the Geely deal, which catapulted it to No. 8 among merger advisers in China so far this year, from 19th in 2009, according to data compiled by Bloomberg. That's nine places higher than Rothschild's ranking in North America, where it employs 150 bankers. Rothschild this year helped Royal Dutch Shell (RDSA) on its joint $3.1 billion bid for Brisbane (Australia)-based Arrow Energy with PetroChina (PTR), (RDSA) China's biggest offshore energy explorer. Rothschild is advising Beijing-based Citic Securities, the mainland's largest brokerage by market value, on creating a global equity brokerage with France's Crédit Agricole. "Clearly, under the leadership of Jennifer, and with the support of the senior management team, we are making meaningful progress in China," Chairman David de Rothschild writes in an e-mail.
A Shanghai native, Yu, 47, graduated from the Shanghai University of Finance & Economics. Her decision to study in China and work there after graduation gave her time to build connections, or guanxi, with government officials and corporate executives, many of whom were her classmates and friends, she says, declining to identify them.
Yu joined Rothschild in 2003 from BNP Paribas, where she focused on underwriting initial public offerings. She became head of China operations for Rothschild in 2005 and was promoted to her current role three years ago. In a country where the government often plays a key role in mergers and acquisitions—deciding, for example, which companies can bid for overseas assets—Yu's deep roots and extensive connections make her an effective dealmaker. "She knows what is doable or not in the Chinese environment," says Pecoux.
Yu's first major client at Rothschild, Shanghai Automotive Industry, bid for U.K.-based MG Rover, which was ultimately bought by Nanjing Automobile in 2005. Yu told her client not to worry—it would eventually own the Nanjing carmaker because the government would force consolidation in China's eastern region. Two years later, Shanghai Auto agreed to buy Nanjing's carmaking business in a government-brokered deal.
One challenge for Rothschild, Yu says, is that the firm doesn't have an equity underwriting business that could help clients raise money to fund acquisitions. The two leaders in Chinese M&A, according to Bloomberg data, state-backed China International Capital and Zurich-based UBS (UBS), both offer underwriting. Rothschild has been trying to overcome that disadvantage by advising clients on debt structuring and equity raising plans, says Mark Florance, Rothschild's head of Southeast Asia investment banking and a 22-year veteran of the firm.
The China merger market does not generate big fees right now. Chinese companies pay up to 0.7 percent on deals valued above $500 million, compared with 1.2 percent in Western Europe and 1.5 percent in the U.S., according to New York research firm Freeman & Co. Fees on M&A deals in mainland China through May totaled $181 million, compared with $3.1 billion for Western Europe and $4 billion for the U.S., the data show.
That doesn't mean the investments Rothschild is making today won't have a big payoff down the road. "People forget that in the 1980s, the U.S. banks came to Europe and got fewer fees than on Wall Street while building up the necessary infrastructure teams and systems," says Mark Bentley, a former HSBC (HBC) banker now with SDC Group in London. "Why should China be any different?" To Rothschild, it's not. And it's Yu's ambition to see Rothschild's reputation become as formidable in China as it is in Europe, where the firm made its name financing the Duke of Wellington's campaign against Napoleon. "In 10 years' time, Rothschild in China will become the Rothschild in Europe," she says.
The bottom line: Rothschild is building up its operations in China and sees the country becoming an increasingly lucrative source of dealmaking fees.
Got that? 🙂
My dear Prime Minister,
My father began his colonization work in Israel 75 years ago. The work which was then begun has been continued to this day. When in 1924 my father set up the Palestine Jewish Colonization Association – P.I.C.A.- he assigned to it the task of colonizing all his landholdings. It fell to me to preside over P.I.C.A. ever since its inception.
In the years that followed, the marshes were drained, the rocky hills and barren wastes were turned into fertile soil. All these lands were then colonized by P.I.C.A. Today there is no cultivable land left to P.I.C.A. for further colonization. The task set to P.I.C.A. has been fulfilled.
As I cast my eyes back over our work, I think that I may fairly say that we have adhered to two principles which well bear restating: The first, that we did our work without regard to political considerations and the second, that we endeavoured to give to Israel and her people all that we could, without seeking anything in return – neither profits, nor gratitude, nor anything else.
The colonizing task of P.I.C.A. having been fulfilled, the question that lay before me was to decide on the future of P.I.C.A. The State of Israel has since been created and the national institutions have emerged to take over the major colonization effort in Israel.
Weighing all the elements, I have reached the conclusion that, with the completion of its task, the right course would be to terminate the activities of P.I.C.A. instead of duplicating the work which is done now, on a far larger scale, by the national institutions.
P.I.C.A. is a private association but all its efforts have been directed to the benefit of the public. For this reason I thought it right to inform you of my decision first. For the same reason, I also propose to transfer now all the remaining P.I.C.A. lands (leased and not leased) to national institutions.
I look upon the termination of P.I.C.A.'s work as a mark of fulfilment, not as a withdrawal. I would like to underline this by a special act of identification with the aspirations of Israel and her people. We intend to provide the sum of IL6 million for the construction of the new Knesseth building in Jerusalem which, I understand, it is proposed to set up. Let the new Knesseth building become a symbol, in the eyes of all men, of the permanence of the State of Israel.
With this done, P.I.C.A. will withdraw from the scene of Israel in the knowledge that the work which was begun 75 years ago is being carried on by the State and the people, supported by world Jewry.
With this letter I meant to inform you of my decision. I do not intend, with this letter, to take leave of you or of Israel. My interest in the development of Israel is abiding, even if P.I.C.A. must cease to operate, I shall remain as close to you all as I have always been, your cares will be my cares and your happiness will be my happiness.
Indeed, I shall want to examine whether I shall be able to make some modest contribution, in the future, towards the advancement of science, art and culture in Israel – all matters which, I know, are near to your heart. However, these are but thoughts for the future. I am not yet fully decided on them but may revert to them as soon as these thoughts become crystallized in my own mind.
The foundations of the State have been well and truly laid. I am confident that, by the grace of the Almighty, the new chapter in the history of our people, which began with the creation of the State, will be glorious and enduring.
Yours Sincerely,
James de Rothschild
South China Morning Post:
Jardines returns to banking with Rothschild stake
Tom Mitchell
Most Popular
Deal reunites groups in a relationship that dates back to the days of Empire
Jardine Strategic Holdings will pay US$185 million for a 20 per cent stake in the parent company of NM Rothschild & Sons, in a deal that reunites the hong with its 19th century European peer and marks Jardines' return to the investment banking sphere after a seven-year absence.
Jardines Strategic is buying the interest in Rothschild Continuation Holdings (RCH) from British insurer Royal & Sun Alliance, which has been a passive investor in the Rothschild family's investment banking arm since 1980.
It is one of two Singapore-listed holding firms, alongside Jardine Matheson Holdings, through which the Britain-based Keswick family controls an Asian business empire encompassing Hongkong Land Holdings, Mandarin Oriental International, Dairy Farm and Jardine Cycle & Carriage.
Jardine Matheson left a 28-year investment bank venture with Robert Fleming in 1998. Two years later it sold a residual 13 per cent stake in Robert Fleming to Chase Manhattan for a US$1.03 billion gain.
Jardine Strategic will appoint two executives to RCH's board but will not take an active role in Rothschild's operations. 'They will be a shareholder but not involved in management,' RCH chairman David de Rothschild said, adding: 'The [Rothschild and Keswick] families have been friendly for many, many years.'
In a statement, Jardine Matheson Group chairman Henry Keswick welcomed the reunion of the two firms, whose relationship dates back to the early 19th century. 'In making this strategic investment our group is renewing a relationship that began in 1838 when we first acted as agents for Rothschild in China,' Mr Keswick said.
Andrew Rickards, the head of Asian investment banking for NM Rothschild, and Jardine Matheson company secretary Neil McNamara both pointed to Jardines' experience and extensive networks in Asia, where NM Rothschild is trying to build up its financial advisory business. 'Jardines' biggest impact will be in Asia,' Mr Rickards said.
According to Bloomberg data, the niche investment bank ranked 16th in M&A advisory work in Asia last year. But its regional client list is growing, most notably in China, where it is advising CNOOC on a US$20 billion spoiler bid for California-based Unocal Corp and Shanghai Automotive Industry Corp on its Hong Kong offer.
While Jardines' focus remains in Hong Kong and southern China, it moved its stock listings to Singapore from Hong Kong before China resumed sovereignty in 1997. The company makes little effort to hide its colonial heritage – the telephone system at its Hong Kong headquarters treats callers to Scottish bagpipe music when they are put on hold.
It also has a politically incorrect mainland past – its involvement in the 19th century opium trade and Mr Keswick has previously criticised the Beijing leadership.
'There might have been some tensions there but I think it's past history now,' Mr Rothschild said.
Jardine Strategic's shares fell 1.9 per cent to S$10.30 yesterday ($47.87), but remain up more than 25 per cent on the year.


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To my husband, the father of our stillborn son:
I'm not sure you know how much I needed you.
I have never let you know how much you helped me during the worst days of our lives.
You are probably unaware of how much you mean to me.
I am sorry for that.
I am sorry that our son died.
Sorry that you have to wear his ashes around your neck when you should be teaching him to ride a bike.
I am sorry that you are on this painful journey, but I thank you for staying by my side.
Thank you for being strong for me even though your heart was breaking, too.
I remember your words after we heard the devastating news that "something was wrong with our son."
You were strong as I crumbled into your arms.
You held me and told me he would be okay.
Not knowing that he would die, you stayed positive and hopeful while I fell apart.
Standing strong by my side, you worried too.
You were scared, too.
Fearing the worst, all while keeping it together for me.
I'm sorry if I wasn't there for you when you needed me.
When we found out he was very sick and going die, you were my rock.
You held me while I sobbed into your chest.
You told me we would be okay. At the time I didn't think that was possible, but I trusted you.
I had you.
You stood by my side through the darkest days of my grief.
Thank you.
Thank you for letting me grieve my way, even though I know it's not yours.
Thank you for loving him and thinking of him.
Thank you for being his Dad.
You are the only person who truly knows the depth of my pain.
I don't know what I would do without you.
You also are missing a son.
We are missing a piece of our family and we will be forever.
I hear it in your voice sometimes when you're talking to his little brother.
I know it makes you sad that they will never get to play together.
It makes me sad too.
I feel your heartbreak. I know you miss him.
Even though we show it differently, you love him just the same as I do.
You are his father and we bear this pain together.
I could not have survived his death without you.
Photo by Ben White on Unsplash
Kelly is owner and therapist at Evolve Counseling, LLC and proud mother to three children, including her son, Parker who was stillborn at 24 weeks gestation. At Evolve Counseling, LLC she provides counseling services to individuals and families healing after infant and pregnancy loss.


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I'm a tired girl lately. A really tired girl that's more tired than usual [basically my constant state is knackered] and that's why these weekly round ups ain't as weekly as the title suggests. Sorry. I have two days to do life admin, chores, content creation for my millions of channels, reset, make time for friends, make time for James and make sure everything is ticking over nicely. So sometimes on a Sunday, when it comes to writing this, I just can't be fucked. I want to share with you the highs and lows of my life on a weekly basis but sleep is more appealing yano?
This week I've managed to grab 30 mins to sit down and do a re-cap of what I've been up to the last few weeks as it's been pretty good.
Last week, was my first week back at work after 9 days off, I went to London twice and also met my best friend's baby - a pretty good week minus being back at work [lol]
My first trip to London was on Tuesday to go to the Oliver Bonas AW19 show room with Vicki. Like guys, as soon as we got there I wanted to never leave and basically live there, each room was themed and glittery and just beaut. The new collections for both fashion and home were amazing - the clothes gave me all the primary school disco vibes, you know the ones, glitter from head to toe, kinda maybe got me excited for AW. . . .
Next up on the agenda was to head to B the agency to their gifting lounge for festival season. I have never been to a gifting lounge so this was a really fun thing to experience with Vicki. We got to have a look at pieces from a bunch of brands and pick out bits for festivals we're off to in the year which was crazy mad and so generous.
Before I headed back for my train we headed out in search of food where Vicki found the most beaut Pizza place, bad blogger points for me as I can't remember what it was called but it was so so good.
The following Saturday I was back in London to meet up with Kim, Charley and Kinga. I hadn't seen them in forever and it was so good to catch up. We ended up just going to spoons for food and drinks and just the whole time basically putting the world to rights -this was after we got to see Charley's actual face on the southwark station. Before I went home, Charley took us down the rainbow light tunnel at Kings X where she got some really fun pictures.
This week has been another busy one. I've really been hamming up my fitness classes and trying to push myself more in them - it's been a lot of fun and I've noticed a change in my mental state after I've worked out, those endorphins have really helped with a more positive and settled mood.
This weekend, I spent the Saturday hanging out with James, I hadn't seen him much through the week as he went to visit his friend in Plymouth. In the evening we went to check out the Vegan egg dish at Wagamama's, I'd been dying to try it for ages. It was ok, I wasn't a huge fan of the seitan. James also tried and we both agreed we probably wouldn't get it again. Today I went to Manchester to see Christina to do a shoot - legit had such a good day having out and creating content. I'm really excited to get the pictures back. She found some really sick locations. We grabbed some food at Koffee pot and I of course grabbed a slice of cake from Home sweet home.
What else I've been loving
- Stranger things, we binged watched all 3 seasons in 3 weeks and I'm legit gutted its over
- Embracing Harajuku style more, I'm currently trying to find what niche I like the most.
- Reading Tokyo Ghoul - super into reading manga again
- Shane Dawson - I am obsessed with his channel
- Insanity, I've always been scared to try the class out now it's my fave one go the week
Until next time XO


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Land owner to provide one continuous parcel of unused land of at least 300 acres for developing energy plantations.
Land to be given on long lease for a period ranging between 15-30 years depending on the biomass sale model.
All investments for plantation to be made by us.
Turnkey set-up & establishment of Biomass plantations incl. land development, creation of infrastructure such as drip irrigation systems, wells / reservoirs, planting etc.
Turnkey set-up and establishment of biomass power plant.
Complete and professional Operation and Maintenance of both the Plantation as well as Power Plant to be taken care of by us.
In cases where the land owner is also the investor, points 4, 5, 6 are applicable i.e. turnkey set-up and establishment of biomass plantation as well as power plant.
The Land Owner / Government's Role
Handover land for setting up the plantations on long lease
All other responsibilities to be taken care of by us
Enjoy recurring revenue in the form of lease rentals and productively use vacant and fallow land.
Benefits of this model for the Land Owner / Government
Unutilized land will be used productively Land quality and fertility to increase over the long run
Employment generation at the grassroots and village level – can reverse the migration of people to cities by providing them opportunities close to their homes
Decentralized power generation leading to better grid efficiencies
High Plant Load Factor (PLF) of 85% assists the government to overcome its severe problem of power shortage esp. during peak hours – unlike wind and solar which are irregular and unreliable.
Generation of 100% Clean, Green, Renewable Energy – leaving a better world for our future generations
Most secure fully integrated power plant model in India. Its like having your own "green" coal mine. This will avoid the problems being faced by Thermal Power Projects in India currently as supply of fuel will never run out.
Biomass parks can be created in clusters of 2000 acres generating employment & revenues on previously unused lands.
Green power will help meet RPO (Renewable Purchase Obligation) targets of the state.
Land owners can contribute to the environment while making money at the same time - a win-win for all.


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Alan Pardew arrived in Portugal last night with his pre-season plans torn apart by the row over Papiss Cisse's refusal to wear a Wonga-branded shirt.
Less than 24 hours before it emerged the Senegalese would not travel to Portugal for a week of high intensity training and two friendly games, the Newcastle manager enthusiastically spoke of looking forward to having all his key players working together at their Braga base without exception. Pardew wanted to use the next seven days to bring those players who had returned late for pre-season training – including Cisse – up to the same fitness levels as the rest of the squad.
But the manager now faces playing two matches without his main striker and, of course, any new signings, plus he will have to deal with the fall-out of yesterday's development. After the match with Motherwell on Tuesday evening, when speaking to The Journal , Pardew gave no indication whatsoever that he even suspected Cisse would not fly to Braga.
He said: "We are all going to Portugal. All the first-team is back so the strongest squad will be there.
"The (other) lads are a good way ahead of them. The internationals will need to catch up.
"We want to get the internationals up to the level of the other guys who have shown that at this early stage they are on it. That was important when you look back to the back end of last season."
Cisse's position at Newcastle now looks in serious doubt. It emerged yesterday afternoon that a compromise had not been reached between Newcastle and the player's advisors with regards to him not wearing anything with the Wonga name because of the practising Muslim's religious beliefs.
He is contracted to wear anything with the loan company's name emblazoned on it even when travelling, as are all Newcastle players.
The PFA got involved in an attempt to resolve the issue and Cisse had offered to wear an unbranded shirt or one that advertises a charity. But the situation has, if anything, worsened and grown more complicated.
There is some understandable cynicism among some Newcastle supporters that Cisse and his advisors are merely attempting to engineer a move away from the club.
And this is the main reason – rather than any ethical grounds – why Wonga has become an issue.
Russian club Anzhi Makhachkala, long-time admirers of the 28-year-old, will be monitoring the situation, not that Pardew wants to see the player leave.
This the last thing Pardew needed. He had been delighted with how pre-season had gone, especially with the what his players performed in the 4-2 win at Motherwell, so this comes as a blow to the United manager.
The rest of Newcastle's first-team will continue their rigorous pre-season training programme from today. They face local side Rio Ave on Saturday evening at the Estadio Do Rio Ave, before taking on Pacos de Ferreira on Tuesday at the Estadio Da Mata Real.


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Royal City Golf Course
Our 9 hole golf course built in 1991 in the Columbia Basin next to the Saddle Mountains has beautiful scenic views and 300 days of sunny weather. The course offers different tees for the back 9 adding a bit of a change when playing 18 holes. Our signature hole, hole three, boasts two water hazards to avoid. This is a great course for the beginner as well as presenting a challenge to the experienced golfer.
Our clubhouse offers refreshments, beer, snacks, and some cooked food (hamburgers & hot dogs).


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The Greatest Pitfalls Of Working As A Software Engineer
This article is mainly targeted towards those of you who are in high schools or colleges at the moment. Most of you must be contemplating about your career at this point and many of you may have already made up your minds. In this Information Technology driven world, I would not be surprised at all if quite a few youngsters end up choosing the career of a software engineer. Usually, the main driving force behind this decision is peoples' love for computers. But being a software engineer myself, I would like to share some of the potential pitfalls of the I.T. industry.
1) First of all, the things we do on the PC while we are just entertaining ourselves are completely different from the things you will have to do as a software engineer. After you join a company, you will be trained on different technologies and for the most part of your career you will be working on those technologies only. Sometimes there will be opportunities to switch your specialties but these chances present themselves pretty rarely. So unless you can handle working on the same thing day in and day out for years, the IT industry is not for you.
2. Unlike the jobs in the manufacturing or retail domains, I.T. jobs most of the times do not have fixed in and out times for every day. No matter how early you finish your work, something can and will come up just before you leave for the day. If you are developing a code or creating a tool for the client, it is your responsibility to keep it running perfectly. So, if your tool goes down near the end of the day and if the downtime hampers client's business, you must fix the issue before leaving even if it takes the whole night. This is the primary reason behind the saying that software engineers cannot enjoy good family lives.
3. When it comes to increments and promotions, I.T. industry is among the worst. In companies of other domains, there is often a proper organizational structure which tells you the posts you can acquire as you gain experience and also which people in your department are in competition with you as far as promotions are concerned. But in I.T., you will barely have any idea about when you will get promoted, how much increment you will get or which designation you will be promoted to. At times you may not be promoted even after having all the necessary credentials and at times you might witness other people surpassing you even though you work harder than them. I do agree that these things happen in every industry but in I.T. these practices are more prevalent.
4. The software industry is a client oriented one. Every step you take will be to satisfy the customer and ensure inflow of future business from them. You will mostly have to work with overseas clients. In order to have meetings with them over phone, you must stay in the office during their work time. Even if that means being on call at 11 PM in the night, you will have to. There is no way you can do things according to your wish. Sometimes you might have to do things the hard way just because the client said so even though if there might be easier ways to accomplish the task.
5. Sometimes your increments and perquisites will depend on the performance of the whole business unit instead of your own. Software companies usually segregate their clients into separate business units to manage them better. There can be business units or verticals like Consumer Goods, Manufacturing, and Retail etc. So if you are working for a Retail company and performing extremely well, your growth can still get impacted if the Retail vertical as a whole did not perform well in the last quarter.
These details are no way intended to terrorize you or keep you away from being a software engineer. These are just some pointers that you need to know beforehand so that you get to know what you will be getting yourself into. Many people join the I.T. industry each year and enjoy a fulfilling career. So if you think you have what it takes to be a software engineer, by all means go for it.
Posted on August 15, 2013, in Career and tagged Career, career pitfall, career software engineer, IT career, IT jobs, job software, jobs in IT, software engineer job. Bookmark the permalink. 6 Comments.
I.T is an emerging field and it's progressing briskly. Will it face a downfall in the coming years?
Okay. So, can we expect some other field getting into the run then?


text: Creativity 'Do It for Denmark' Ad Urges Danes to Have More Sex While on Vacation Travel agency makes war on low birth rateBy Gabriel Beltrone|March 31, 2014 Share By Gabriel Beltrone|March 31, 2014 Share A Danish travel agency wants the country's people to do the patriotic thing by getting out of town and getting busy. A wry new campaign from Spies puts an unusually clever twist on using sex to sell, highlighting the country's fast-declining birth rate and packing in fun statistics and scientific claims to support what seems like an obvious fact—that people are more likely to copulate while on vacation. It's opportunistic in the best possible way—rewarding for viewers, with at least the illusion of being genuinely concerned. For those of you who are serious about procreating, the brand even offers an "ovulation calendar" to help plan trips on a schedule that would improve your odds. Anyone who proves they succeeded could win three years' worth of baby supplies. There have been similar campaigns in the past—notably, the hilarious baby-making anthem by Mentos in Singapore (also a country with a declining birth rate). Hell, even NPR has run ads encouraging baby making. The Danish would be more creepy if it weren't so funny and practical at the same time. And while advertising certainly doesn't need any more puns-as-taglines or juvenile jokes, it's hard to be bothered by one that so perfectly fits the message: "Do it for Denmark." Share http://adweek.it/1moTcG7 copy Adweek Adweek


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Nearby is the Ester Gold Camp Hotel, and RV parking/showers. The dinner buffet includes baked halibut, reindeer stew, country fried chicken and Alaska crab.
The Malemute Saloon has live Music and Theater performances with songs, music, dance, stories and Robert Service poetry. Reservations advised.
The camp is listed on the National Register of Historic Places.
Other History nearby:
(Fairbanks) Alaskaland Pioneer Air Museum
(Ester) Ester Gold Camp
(Fairbanks) Univeristy Museum
(Fairbanks) World Eskimo-Indian Olympics


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- Stunning limited edition MV Agusta F4
- Just 2,500 miles from new
- In immaculate condition
- Original tools and book pack
This 1078RR 312 is the final evolution of MV Agusta's renowned F4 model, which has been around in one form or another since 1999. The in-line-four-cylinder MV Agusta 1078cc F4 1078 RR 312 replaced the previous year's 998cc F4 R 312. The '312' suffix refers to the blistering top speed achieved by the bike on MV's test track: 312km/h (193mph).
The beautiful RR 312 comes with a menacing reputation for incredible acceleration, which relents only when hitting the rev-limiter in top gear. Thanks to the infamous power unit, the MV Agusta F4 is blisteringly fast wherever you ride it, and is as happy to demolish track tarmac as it is country B-roads.


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About Us
USAHomeClub was formed by Credit Card Management Services, Inc. d.b.a. Debthelper.com, an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to its mission to educate, advise and empower youth to seniors to handle debt, credit and housing and to revitalize communities with affordable living opportunities.
Debthelper partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities.
Since forming in 1996, Debthelper has helped guide hundreds of thousands of people out of financial difficulty. With offices in South Florida, Nevada, North Carolina and Massachusetts, Debthelper serves clients in every state in the union.
USAHomeClub's Housing Counseling Services Include:
- Housing Literacy and Counselling Workshops
- "Getting Mortgage Ready"
- Down Payment Assistance Programs
- Default/Foreclosure Prevention Counseling
Thanks to DebtHelper.com I was able to qualify for a local down payment assistance program that allowed me to obtain a mortgage and reduce my monthly rental costs by 35%. I started out by attending DebtHelper's housing workshop and then worked one-on-one with Alex, one of their housing counselors. Alex walked me through the entire process and helped me with all the paperwork. I was able to get into my new home and was only required to bring 1% to closing. I can't thank you enough for this life changing experience!- Lillian H.