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With financial debt becoming an ever before higher issue for American households, there are still many homes either staying clear of the circumstance entirely or wrongly thinking that points will transform themselves around. Purposefully overlooking costs enthusiasts or pretending that something will just suddenly come near remove the consumer debt that has been gathering on their ledgers for a prolonged quantity of time might only be deemed absurd, however we do understand the temptations that lead individuals to deal with the bank card burdens that have actually generated with what, after all, has been their own efforts (or lack of such). No one wants to give up control of their budget as well as short-term monetary fate to outdoors help from complete strangers, however, at the same factor, you need to take a serious look at your responsibilities not only as they stand currently but over the long haul. This is where financial debt loan consolidation might be an authentic solution for you as well as your family. At the least, you owe it to yourself to offer debt combination an examined appraisal to determine if the programs might have some advantage.
Consider it this way. Exactly how do you want your life to look into the following 2, five, 10, even twenty years? Do you still intend to be paying off today's financial debts decades from currently? Certainly not. This is definitely the most awful possible scenario – even more devastating over time also than Chapter 7 personal bankruptcy protection. The longer you postpone a financial debt, the a lot more you are giving up in cash shed to intensify interest rather than paying off the principal of your debt. When you get short-term consolidation lendings, on the other hand, most of the money you spend upon the program is approaching the real debt instead of the creditors' pockets. While the financial obligation loan consolidation approach might call for a temporarily extreme sacrifice, much shorter term car loans will certainly assist to get you out of debt trouble with a lot less cost throughout financing when compared to simply keeping the minimal repayments. There's simply no chance for normal consumers to handle absolutely big financial debt concerns spread among a number of various credit cards or accounts without some form of financial debt loan consolidation.
Once more, as we've said, it is more than affordable for debtors to urge that they can look after their very own financial obligation by themselves without turning to combination techniques. Without a doubt, among the factors charge card business have been so effective in producing the contemporary culture of rotating financial debt has been the large powers of abstraction required to fully comprehend specifically how tough it would ever before be to better your placement without significantly changing the framework of your economic responsibilities. However, the size of debt monitoring within a much better presence should not be lessened. As opposed to placing food on your creditors' tables, you'll lead yourself into a position where you can enhance your own opportunities for success and also utilize all that you make to help your own family members cope our unpredictable economic situation with some degree of safety and security. By taking out the right sort of debt loan consolidation loan, you are offering yourself the possibility to renegotiate the terms of your financing settlement in a way that will verify much more valuable for all future undertakings. When dealing with the best firms as well as agreeing to lendings that have the right terms, debt combination will certainly allow you to believe not almost following month, but additionally to reasonably plan the remainder of your life.
Obviously, consolidate debt Toronto things are a little bit extra complicated than just undertaking an assessment of the financial debt loan consolidation options. It's very important when looking at every one of the different consolidation financing choices to discover what approaches are likely to be one of the most valuable for you and your family, and also this can be an expedition that takes months to be completely understood. For one point, there are just so several variables to be studied at prior to even one of the most basic basics are attended to. Individual lending combination programs are heavily dependent on credit history, as an example, as well as your best rate of interest will certainly to a large level be dependent upon the FICO scores supplied by the three main debt bureaus. Employment background is likewise a good resolution of what type of debt loan consolidation program would certainly allow admission. For debt settlement negotiation, to take simply one instance, the specific lending institutions as well as nature of your unsafe debt – over and beyond the credit report and earnings credentials – could well make or damage financial debt negotiation as a practical concept for your home. Within the borders of a short article such as this, it's just too challenging (and also, for your authors, inevitably irresponsible) to attempt to precisely anticipate which type of financial obligation consolidation could be the best suitable for your very own household. In the adhering to piece, we simply wish to show a couple of different pointers as well as approaches regarding the bigger loan consolidation strategy so that those interested borrowers may have some sort of map with their very own hard battled explorations concerning the realities of debt loan consolidation.
It is debt definitely real that the procedure of searching out financial debt consolidation consolidate debt Toronto finances and finding out about the various benefits and downsides of the consolidation process can appear daunting to customers that have never before bothered (or, in many cases, needed) to put in the time to find out much about financial debt monitoring and also the numerous types it might take. If you are fretted about your credit rating as well as simply intend to make every one of the costs enthusiast calls vanish


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from Wiktionary, Creative Commons Attribution/Share-Alike License.
- noun Plural form of
Sorry, no etymologies found.
Leaves them hanging like obscene flowers, long slender thighbones and delicate fingers.
Draw your thighbones back by taking the hips up and back.
Sara Avant Stover: Everyday Yoga: Walk The "Dog" At Your Desk
Beyond it they came quickly to other bones: skulls and ribs and thighbones, and others not so easily identified.
But her face, oval and dark-eyed, delicious in lip and nose, and a little sad in repose, constantly blurred the outlines of maxillae, thighbones, and the other interesting phenomena of his job.
Perhaps this was because legends of the Old Country monarchs who wore crowns carved from skulls and wielded scepters worked from human thighbones remained fresh — real enough to raise thrills of terror when some old grand could say, "It was in my own grandmother's day that this was so," and be right.
Here, the third face of the funeral chapel held a statue of the Sister in all her majesty as Queen of the Underworld: snake-headed scepter, skirt of thighbones, and necklace of human skulls.
The walls were made of petrified thighbones, each of them the diameter of a fruit tree's trunk.
Two were supposed to have been formed from the thighbones of Kina herself, taken after she had been tricked into endless sleep.
But mainly ... during a millennium, thighbones wrapped in fat and cast on the flames grew bloody tedious.
Sometimes two spoke to different effect while the others played flutes they had carved of thighbones, or the three-stringed rebec that shrieks like a man.

subset: commoncrawl


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Dierks Bentley Teases "Black" Music Video
Dierks Bentley took to facebook to tease his new music video for his latest single and title track of his latest album, "Black." We cannot wait for the sexy video that pairs with this ultra sexy song. Stay tuned for the big release on Friday!!!


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Article content
First impressions are important — not just for you, but for your home, as well. Benjamin Moore has introduced a new product to help you make a good first impression when people enter your home. Aura Grand Entrance is an enamel coating for front doors and trim, designed to help you create a luxurious entryway.
"Inspired by fine European enamel finishes, Aura Grand Entrance is available in thousands of beautiful Benjamin Moore colours, as well as a curated palette of 42 colours, the most popular for a home's front door, regardless of the architectural style," according to a Benjamin Moore media release. Some of the colours available include Edinburgh Castle, Ascot Gray, Scottish Shortbread, Dutch Tulip and English Scone.
tap here to see other videos from our team.
Benjamin Moore introduces new Aura Grand Entrance enamel coating for doors and trim Back to video
The new waterborne alkyd enamel paint is intended for both interior and exterior use. It's available in high gloss and satin sheens.
"This newest product offering is guaranteed to impress anyone who might come knocking on your door," says Benjamin Moore colour and design expert Sharon Grech. "Aura Grand Entrance will add a touch of elegance to your house and amp up your curb appeal, while providing rich colour and protection to a key focal point of your home."
Aura Grand Entrance will be available at Benjamin Moore retailer locations across Canada beginning this week. The paint comes in quart sizes – just enough to finish your door and framing – and will retail for approximately $46.99.
Follow Irene Seiberling on Twitter atISeiberling.


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Aston Villa supporters have been pretty downbeat in recent times after seeing their side fail to win any of their four Championship matches prior to the current two-week break for internationals.
Steve Bruce's men made an encouraging start to the 2018/19 campaign in winning their opening two league games, beating Hull City before edging past Wigan Athletic. Yet things have since then been something of a struggle for the Villans in drawing three and losing the other of their last four league games, sharing the spoils with Ipswich Town, Brentford, and Reading before going down 4-1 to Sheffield United in their most recent league outing.
Thus, there are many frustrated Villa fans up and down the country at present, several of whom are wondering what the future may hold for some of the club's most promising youngsters, not least 20-year-old Keinan Davis, who very much made a name for himself in the first half of last season.
Yet things since then have been testing for the forward, with it arguable that the Englishman needs a major change to happen at Villa Park if he is to make the grade at the Midlands giants, namely that of a change in manager.
Ultimately, Davis enjoyed a fine run in the side, under Bruce, in the first half of the 2017/18 campaign to finish the season with two goals and four assists in 28 Championship matches, yet he failed to start a single league game post-December.
In fact, he hasn't featured in any of the 14 matchday squads in the league dating back to March this year, and while injury has certainly played a part in his most recent struggles, he wasn't exactly a regular prior to those problems.
And Davis doesn't appear to be the only one being held back by the Villa boss, what with fellow youngster Mitchell Clark, now on loan at Port Vale, admitting that he wasn't enjoying life at Villa Park prior to sealing a temporary move to the League Two club.
Add in the fact that Bruce has certainly prioritised experience in the transfer window since taking over at Villa, what with the likes of John Terry, Chris Samba, Glenn Whelan, and Ahmed Elmohamaday all moving to Villa Park under the 57-year-old's reign, and one wonders where the opportunities for the young players are going to come from.
Yes, the Championship is a very tough league and the expectations are that Villa will be knocking on the door for a return to the Premier League this term, but as Davis proved at times last season, the club's young players could actually be good enough to make a difference in the second tier.
But with many struggling for first team football and being shipped out on loan, it doesn't look as though the chances of regular minutes will be there while Bruce is in charge at Villa Park.
As such, while injuries do appear to be holding Davis back, it seems as though the 20-year-old needs a major change, namely that of the manager, to take place at Villa if he is to make the grade at the Midlands outfit.
Villa fans… what do you think? Let us know!
Click here to comment on this articleor
Give us feedback on your Football Transfer Tavern experience


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Find answers to common questions in our searchable FAQ.
51568 views | 125 | Last updated on Nov 20, 2019 Criminal Law Minors Family Law
The Texas Department of Family and Protective Services publishes information about leaving a child home alone. They state the following:
Texas law doesn't say what age is old enough for a child to stay at home alone. However, adequate supervision is critical to keeping kids safe. An adult caregiver is accountable for the child's care and inadequate supervision can be a type of neglect (neglectful supervision).
The Texas Penal Code also makes it a criminal offense to leave a child alone in a vehicle under certain circumstances. Click here to review section 22.10 of the Texas Penal Code.
Many people who have contacted our library with this question are under the impression that it is illegal to carry a handgun while wearing a mask in Texas. However, our librarians have not been able to locate any state laws that explicitly prohibit the wearing of a mask while lawfully carrying a firearm.
In fact, we have not been able to locate any state laws currently in effect that address the wearing of masks in general. Texas previously had anti-mask laws, but these were repealed in 1974 and are not currently in effect.
There also seems to be a misconception regarding who can legally carry a handgun without a License to Carry (LTC) because the governor has issued executive orders related to the COVID-19 public health emergency. There is a state law that addresses carrying a handgun without a license when a state of disaster has been declared, but it is very narrow in scope. Read more about that law.
For more information about the carry of firearms generally, please see our Gun Laws guide. For more information about firearms during the COVID-19 pandemic, please see our Disasters and Emergencies guide.
9620 views | 37 | Last updated on Mar 10, 2020 Consumer Protection
With certain exceptions, surcharges for using a credit card or a debit card are prohibited by Chapter 604A of the Texas Business and Commerce Code:
Sec. 604A.002. IMPOSITION OF SURCHARGE FOR USE OF DEBIT OR STORED VALUE CARD. (a) In a sale of goods or services, a merchant may not impose a surcharge on a buyer who uses a debit or stored value card instead of cash, a check, credit card, or a similar means of payment.
Sec. 604A.0021. IMPOSITION OF SURCHARGE FOR USE OF CREDIT CARD. (a) In a sale of goods or services, a seller may not impose a surcharge on a buyer who uses a credit card for an extension of credit instead of cash, a check, or a similar means of payment.
See the definition of "surcharge" at Section 604A.001(5) for language related to discounts for cash purchases.
On August 16, 2018, Judge Lee Yeakel of the U.S. District Court for the Western District of Texas issued an order that permanently enjoined the State of Texas from enforcing the law prohibiting credit card surcharges (Sec. 604A.0021) against certain merchants that had sued the Attorney General. In his final judgment, Judge Yeakel wrote:
IT IS ORDERED that Defendant Ken Paxton, Attorney General of Texas as well as his employees, agents, and successors in office, are hereby ENJOINED from enforcing Texas Business and Commerce Code section 604A.0021 against [the plaintiffs].
Read the court order issued on August 16, 2018 [PDF]. Read the permanent injunction and final judgment also issued on August 16, 2018 [PDF]. The case is Rowell v. Paxton, number 1:14-cv-00190, and you can find a copy of the case's docket entries on CourtListener.com or on PACER.gov.
This November 2018 article by Dave Lieber with Dallas News provides some context and background on the litigation.
In June of 2019, the Texas Attorney General issued an opinion in response to a county auditor's request — Opinion No. KP-0257 [PDF]. In this opinion, the Attorney General describes the 2018 litigation and mentions that there are still situations where the law could be enforceable:
When a court determines that a statute is unconstitutional as applied, it normally invalidates the statute only as applied to the litigant in question and does not render the statute unenforceable with regard to other litigants or different factual circumstances. [...] Thus, circumstances may still exist where, as applied, section 604A.0021 operates to prohibit a credit card surcharge fee.
Also note that it is possible the agreement or contract between a merchant and a credit card or payment processing company may prohibit surcharges or fees.
We often receive questions asking who qualifies as a merchant or a seller and who qualifies as a buyer. Because the library is not able to interpret the law, we can only point you to Section 604A.001 since it defines some of the terms used in Chapter 604A. The library cannot determine if the law is being violated in a specific situation.
In June of 2016, the Texas Attorney General issued an opinion that discusses the law in relation to convenience fees and third-party payment processors [PDF] (KP-0095). In June of 2019, the Attorney General issued an opinion discussing the law in relation to a county contracting with a private entity for the collection of money owed to the county [PDF] (KP-0257). As the Attorney General website states, an Attorney General opinion is a "written interpretation of existing law," but Attorney General opinions "cannot resolve factual disputes."
Section 604A.003 describes the penalty for violations:
A person who knowingly violates Section 604A.002 or 604A.0021 is liable to the state for a civil penalty in an amount not to exceed $500 for each violation.
That section goes on further to state that the "attorney general or the prosecuting attorney in the county in which the violation occurs" may bring a suit to recover the civil penalty, but it is important to read the entire statute as it describes other requirements before filing suit.
The Attorney General's website has information about the use of credit cards, and they ask that you file a consumer complaint with their office if you feel that a business is charging extra for credit card purchases.
Note: Senate Bill 560, which went into effect on September 1st, 2017, changed the laws relating to credit card surcharges. Previously, the Office of Consumer Credit Commissioner (OCCC) enforced the law on credit card surcharges, but that is no longer the case.
6536 views | 51 | Last updated on Mar 13, 2020 Consumer Protection
Chapter 604 of the Texas Business & Commerce Code regulates the sale of "stored value cards," a term defined to include a "gift card or gift certificate" which can be either "inscribed on a tangible medium" or "stored in an electronic or other medium and is retrievable in perceivable form." Review Chapter 604, Subchapter B for information on permissible fees. Subchapter C contains information about required disclosures, such as expiration dates and policies. Texas law does not contain any restrictions about how far in advance an expiration date can be – only that it be "clearly and conspicuously disclosed."
In addition to state law, the 2009 federal Credit CARD Act [PDF] also regulates gift cards and their expiration policies. Its definitions of "gift certificate" and "store gift card" are limited to an "electronic promise" – see 15 U.S. Code § 1693l–1(a)(2)(B) and 1693l-1(a)(2)(C). Unlike Texas law, federal law does contain restrictions on expiration dates. 15 USC 1693l-1(c) states that "[A] gift certificate, store gift card, or general-use prepaid card may contain an expiration date if … the expiration date is not earlier than 5 years after the date on which the gift certificate was issued, or the date on which card funds were last loaded to a store gift card or general-use prepaid card."
To read the portion of the federal law that relates to gift cards, see section 1693l-1 of Title 15 of the U.S. Code or read this publication from the Federal Trade Commission (FTC) that explains the new federal laws: Gift Cards.
5936 views | 5 | Last updated on May 23, 2020 Criminal Law
Recent changes in both federal and Texas law regarding industrial hemp production have also affected the production and sale of CBD oil. These laws are currently being implemented in order to create a state industrial hemp program that allows for the legal cultivation of hemp and legal sale of "consumable hemp products" like CBD oil. The state industrial hemp laws require a license before one can cultivate industrial hemp, and they also require a license to sell consumable hemp products like CBD oil. This FAQ will briefly summarize these laws, but for more information, please see the CBD page of our Cannabis and the Law guide.
Cannabidiol is a substance derived from the cannabis plant that does not have the same psychoactive properties as tetrahydrocannabinol (THC). This article from the Harvard Health Blog provides more details about what cannabidiol is.
The law defines hemp as cannabis with a THC concentration of less than 0.3% by dry weight. The legal definition is more specific and can be found in section 121.001 of the Texas Agriculture Code.
At the federal level, H.R.2 Agriculture Improvement Act of 2018 (often referred to as the 2018 Farm Bill) became law on December 20th, 2018. This federal law defined hemp as cannabis with a THC concentration of less than 0.3% by dry weight and removed it from the federal controlled substances schedules.
Then in 2019, Texas House Bill 1325 passed during the 86th Regular Session and was signed by the governor on June 10th, 2019. This bill amended the Texas Agriculture Code and the Health & Safety Code in order to regulate the growth of industrial hemp and the sale of consumable hemp products like CBD oil.
Check out the CBD page of our Cannabis and the Law guide for more details and links to other resources related to cannabis.
The Dept. of Agriculture provides information about the license required to grow and cultivate hemp in Texas.
The Dept. of State Health Services provides information about consumable hemp products such as CBD oil and the license required to sell these products.
Prior to the 2019 state laws that legalized consumable hemp products, Texas had enacted the Compassionate-Use Act. This law allows for medical use of low-THC cannabis (less than 0.5% THC) for certain qualified patients. This law regulates who can produce low-THC cannabis and who may prescribe low-THC cannabis to certain patients.
House Bill 3703 from 2019 recently expanded the law to include more qualifying patients. This bill was signed by the governor on June 14, 2019, and became effective immediately. The new legislation now allows qualified physicians to prescribe low-THC marijuana to patients diagnosed with epilepsy, seizure disorders, multiple sclerosis, spasticity, amyotrophic lateral sclerosis, austism, terminal cancer, or an incurable neurodegenerative disease.
The Texas Department of Public Safety (DPS) regulates dispensaries authorized by the Compassionate-Use Act. DPS has provided answers to frequently asked questions about the Compassionate-Use Program on their website.
For more details, see the Compassionate-Use Program page of our Cannabis and the Law guide.
Outside the provisions set out in the Texas Compassionate-Use Act, our librarians have not been able to locate any Texas statutes that address the use of medical marijuana.
Recreational use of marijuana is still illegal under Texas and federal law. Federal penalties for possession of a controlled substance are found in United States Code, Title 21, Section 844.
The Texas Controlled Substances Act (Health and Safety Code, Ch. 481) defines marijuana (spelled "marihuana") and sets criminal penalties for possession, delivery, and delivery to a child.
Marijuana is listed as a Schedule I drug in the federal Controlled Substances Act (21 U.S. Code, Sec. 812).
5726 views | 51 | Last updated on Apr 28, 2015 Consumer Protection
We have been unable to locate any state laws that regulate auto-renewing contracts in general. House Bill 1702 from the 80th Regular Session of the Texas Legislature sought to restrict the automatic renewal of contracts, but this bill did not become law. If you have questions about a specific contract, please consult with an attorney for a legal opinion.
5664 views | 51 | Last updated on Apr 28, 2015 Consumer Protection
We receive this question often, but we are unaware of any state law requiring any and all merchants to accept returns nor have we found any state law that would require merchants to post their return policy. Unfortunately, there is no clear answer to questions related to refunds and returns because it will depend on the specifics of your situation. Richard Alderman, a Texas attorney who helped draft consumer protection legislation in Texas, discusses refunds on his website and states the following:
Your right to a refund must be based on your "contract" with the store. Most people don't think about it, but every time you buy something at a store you enter into a contract. [...] The terms of that agreement control your rights. Some of the terms of the contract are expressly stated, for example the price. Other terms arise by implication, for example, some warranty rights as well as the right to return or exchange the item.
If you have questions about a specific purchase, it would be best to speak to an attorney who could inform you of your legal options. While there are laws that allow for a 3-day right to cancel certain purchases, these laws are very specific and do not apply in a majority of consumer purchases. The Texas Attorney General provides this information on the 3-day right to cancel in Texas.
4921 views | 54 | Last updated on Oct 02, 2018 Motor Vehicles Consumer Protection
Many people believe they have a 3-day right to cancel the purchase of a motor vehicle, but that is not the norm. The library has not located a state law that explicitly grants a 3-day right to cancel any used vehicle purchase. The Texas Attorney General website addresses a very specific 3-day "right of rescission" for door-to-door sales, and they state the following:
Certain types of sales will not be covered by these laws, including auto sales.
One exception is for motor vehicle retail installment sales. A retail installment contract is a "transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest," according to the Consumer Financial Protection Bureau. That is, a retail installment contract does not apply to transactions that involve a loan. Section 348.111 of the Finance Code states that a buyer may rescind the contract under certain conditions, quoted below:
Sec. 348.110. DELIVERY OF COPY OF CONTRACT. A retail seller shall:
(1) deliver to the retail buyer a copy of the retail installment contract as accepted by the retail seller; or
(2) mail to the retail buyer at the address shown on the retail installment contract a copy of the retail installment contract as accepted by the retail seller.
Sec. 348.111. BUYER'S RIGHT TO RESCIND CONTRACT. Until the retail seller complies with Section 348.110, a retail buyer who has not received delivery of the motor vehicle is entitled to:
(1) rescind the contract;
(2) receive a refund of all payments made under or in contemplation of the contract; and
(3) receive the return of all goods traded in to the retail seller under or in contemplation of the contract or, if those goods cannot be returned, to receive the value of those goods.
You may also want to review the terms of the contract or agreement that you signed as it may contain cancellation provisions, a return policy, or a "cooling-off period." Generally speaking, once you sign a contract, you are bound by the terms it contains. There may be exceptions (e.g., a contract was signed under duress, there was deception or fraudulent activity), but only an attorney can provide a legal opinion and inform you of your options.
It may also be possible to negotiate with the seller and come to a mutual agreement.
4024 views | 54 | Last updated on Oct 02, 2018 Motor Vehicles Consumer Protection
The Texas Deceptive Trade Practices Act (DTPA) is Texas's leading consumer protection legislation. It protects consumers by making it unlawful to misrepresent a product that is sold in the state. Richard Alderman, a Texas attorney who helped draft the DTPA, discusses one's options when a seller has lied about major defects and he also discusses one's options when a seller claims he did not know about a defect. He states the following:
Under the Texas Deceptive Trade Practices Act, it is unlawful for a seller to fail to disclose known defects, in order to induce you to make a purchase. In other words, if a seller knows of a major defect he must disclose it. I should point out that this law applies to all sellers, including individuals not in business. Under this law, a seller who knowingly fails to disclose facts, or takes steps to conceal them, may be liable for up to three times your damages plus court costs and attorneys' fees. To use the Deceptive Trade Practices Act you must first give the seller written notice of your complaint and the amount of your damages.
For more information about the Texas Deceptive Trade Practices Act, we recommend this video by Richard Alderman from a People's Law School session that explains the DTPA and how it can be used to assert your rights.
3720 views | 50 | Last updated on Mar 06, 2020 Texas Trivia
This is commonly referred to as the "paramour law," which referred to article 1220 of the Texas Penal Code. Article 1220 was repealed in 1973 by Senate Bill 34 during the 63rd Regular Session of the Texas Legislature. Prior to its repeal, article 1220 of the Texas Penal Code read as follows:
Homicide is justifiable when committed by the husband upon one taken in the act of adultery with the wife, provided that the killing takes place before the parties to the act have separated. Such circumstance cannot justify a homicide where it appears that there has been, on the part of the husband, any connivance or assent to the adulterous connection.
3616 views | 42 | Last updated on Aug 13, 2019 Debt Collection Consumer Protection
A statute of limitations refers to how long a party has to bring suit in court. Chapter 16 of the Texas Civil Practice and Remedies Code sets out limitation periods for various civil causes of action, and section 16.004 of the Code sets out a 4-year limitation period for suits related to debt. According to the statute, a lawsuit must be brought "not later than four years after the day the cause of action accrues." The Texas Attorney General provides several articles relating to debt collection and relief that may answer some of your questions.
A new state law effective September 1st, 2019 — House Bill 996 — prohibits a debt buyer from taking certain actions once the statute of limitations has expired. It also includes protections against "reviving" or re-aging the statute of limitations. According to the bill analysis [PDF], this new law would prohibit debt buyers "from directly or indirectly commencing an action against or initiating arbitration with a consumer for the purpose of collecting a consumer debt after the limitation period" has expired. The analysis also explains that a "collection action on consumer debt that was past the statute of limitations could not be revived by any activity on the consumer debt, including payment." The law also requires written notices to the consumer in certain communications.
In addition to Texas law, the Fair Debt Collection Practices Act is federal law enforced by the Federal Trade Commission (FTC). The FTC website provides answers to frequently asked questions about debt collection. The FTC website addresses some aspects of collecting on an old debt with the following information:
What if my debt is old?
Debt collectors have a certain number of years they can sue you and win to collect a debt. It's called the statute of limitations, and usually begins when you fail to make a payment on a debt. Once it's over, your unpaid debt is considered "time-barred," but in some states, you have to raise the age of the debt as a defense to win.
How long the statute of limitations on a debt lasts depends on what kind of debt it is, and the law in your state or the state specified in your credit contract.
Also, under the laws of some states, if you make a payment or provide written acknowledgment of your debt, the clock may start ticking again.
Can a debt collector contact me about a time-barred debt?
Yes. Even if a debt collector can't successfully sue you over a time-barred debt, you may still owe it.
What if I'm not sure whether my debt is time-barred?
Ask the collector when its records show you made your last payment. You also can send the collector a letter within 30 days of receiving a written notice of the debt. Explain why you're disputing the debt and that you want to verify it. A collector must stop trying to collect until it gives you verification.
If you are unsure of when the 4-year limitations period begins and ends, it would be best to consult with an attorney who could help calculate when your cause of action accrued. For more information about debt collection, the library has put together a research guide with links to more information about debt collection laws.
The library has received questions about whether or not there are any Texas statutes that address the wearing of masks in public. We have been unable to locate any current Texas statutes that discuss the wearing of masks or disguises in public. However, there was an anti-mask law in Texas that was passed in 1925 and repealed in 1974. At the time, the law was codified as Article 454a-g of the Texas Penal Code.
Governor Miriam "Ma" Ferguson signed the anti-mask bill into law during her first term in office in response to a rise in activity from the Ku Klux Klan, whose members are known for wearing masks and hoods. The KKK was experiencing a resurgence in membership in the 1920s with tens of thousands of members in Texas who spread terror across the state and wielded great political influence. Several other states also enacted anti-mask laws in response to the KKK.
Some portions of Texas's anti-mask law were challenged in the courts and at least one article was ruled to be in violation of the Texas Constitution. In 1929, a court case challenged Article 454c, which prohibited demanding entrance to a house or disturbing the inhabitants of a house while wearing a mask or disguise. As a result of this case, Art. 454c "was held in violation of Const. art. 1 sec. 10 as failing to definitely and clearly describe [the] offense." Despite this and other legal challenges, portions of the law were still used to prosecute Texans for many years to come. The anti-mask law was repealed in 1974 during the re-codification of the Texas Penal Code.
3426 views | 51 | Last updated on Oct 02, 2018 Family Law
Yes, Texas law does recognize common law marriages, which are referred to as "marriages without formalities" or "informal marriages." See chapter 2, subchapter E of the Texas Family Code for the state laws on common law marriages.
A common misconception is that partners may accidentally enter into a common law marriage simply by living together for a certain amount of time. But chapter 2, subchapter E of the Texas Family Code sets out the requirements that must be met in order to prove a common law marriage.
TexasLawHelp.org hosts an article on common law marriages authored by Texas RioGrande Legal Aid. To prove a common law marriage, they state all of the following must be shown:
You must show that you and your partner:
- are not already married, informally or formally, to anyone else at the time the marriage was created, and
- both you and your partner were at least 18 years of age when the marriage was created; and
- you agreed to be married, and
- afterward, lived in Texas as a married couple, and
- represented to others that you are married ("holding out" to others).
It is also possible to register a common law marriage by signing a declaration of informal marriage. This form is provided by the county clerk.
Review our common law marriage research guide if you would like to locate more information about common law marriage.
3425 views | 49 | Last updated on Oct 02, 2018 Motor Vehicles Consumer Protection
Many people believe they have a 3-day right to cancel the purchase of a new motor vehicle, but that is not the norm. Richard Alderman, a Texas attorney who helped draft the Texas Deceptive Trade Practices Act, addresses this issue on his website. In response to whether a person can return a new motorcycle, he states:
As a general rule, when you sign a contract to buy something you are bound by the terms of that contract. There is no time limit within which you may just "change your mind." In most cases, to get out of a contract, you must show that you were induced into the contract by fraud, duress, deceit or misrepresentation. There are a few exceptions to this rule.
One exception is for motor vehicle retail installment sales. A retail installment contract is a "transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest," according to the Consumer Financial Protection Bureau. That is, a retail installment contract does not apply to transactions that involve a loan. Section 348.111 of the Finance Code states that a buyer may rescind the contract under certain conditions, quoted below:
Sec. 348.110. DELIVERY OF COPY OF CONTRACT. A retail seller shall:
(1) deliver to the retail buyer a copy of the retail installment contract as accepted by the retail seller; or
(2) mail to the retail buyer at the address shown on the retail installment contract a copy of the retail installment contract as accepted by the retail seller.
Sec. 348.111. BUYER'S RIGHT TO RESCIND CONTRACT. Until the retail seller complies with Section 348.110, a retail buyer who has not received delivery of the motor vehicle is entitled to:
(1) rescind the contract;
(2) receive a refund of all payments made under or in contemplation of the contract; and
(3) receive the return of all goods traded in to the retail seller under or in contemplation of the contract or, if those goods cannot be returned, to receive the value of those goods.
You may also want to review the terms of the contract or agreement that you signed as it may contain cancellation provisions, a return policy, or a "cooling-off period." Generally speaking, once you sign a contract, you are bound by the terms it contains. There may be exceptions (e.g., a contract was signed under duress, there was deception or fraudulent activity), but only an attorney can provide a legal opinion and inform you of your options.
It may also be possible to negotiate with the seller and come to a mutual agreement.
3421 views | 58 | Last updated on Oct 02, 2018 Consumer Protection
The library receives this question often, but we have not been able to locate a law that provides a 3-day right to cancel any and all contracts or return any and all purchases. There are some statutes that provide a "cooling off" period for certain purchases or transactions, but these laws are very specific in nature and don't apply to all transactions.
Our cancellation of consumer contracts research guide points you to laws that deal with specific purchases or contracts — e.g., timeshares, health spas, home equity loans, motor vehicle installment sales, certain telephone solicitation purchases, manufactured home purchases, "lease to own" house contracts.
In his Know Your Rights! publication, Richard Alderman, a Texas attorney, says the following:
The existence of a three-day cooling-off period is one of the most widely held misconceptions about the law. There are only very limited instances in which you have three days to change your mind. For example, you have this right if you sign a contract that puts a lien on your home, a contract for time-share property, a health spa contract, or most contracts negotiated door-to-door. In other cases, though, once you sign you are bound.
The Texas Attorney General's website addresses the 3-day right to cancel law regarding door-to-door sales, but as they explain, that law is very specific.
If you still have questions about a purchase or contract, it would be best to consult with an attorney for advice specific to your situation.
3282 views | 49 | Last updated on Feb 09, 2017 Texas Trivia
The Texas Dept. of Public Safety published a press release regarding bluebonnets in 2014. While it states that "there is no law against picking the state flower," it urges you to consider other laws and other issues that might come into play — criminal trespassing, impeding traffic, damaging rights-of-way, etc. Also keep in mind that apart from state law, local governments (e.g., counties, municipalities) can enact ordinances that might apply within your jurisdiction.
3024 views | 49 | Last updated on Oct 12, 2018 Wills/Probate
The Texas Estates Code addresses intestate succession, which is the legal term used to describe how an estate is settled when there is no will. In particular, chapter 201 of the Estates Code describes the distribution of an estate when there is no will. Factors that are taken into account include whether there is a surviving spouse, whether there are any surviving siblings, children, or other descendants, whether the property to be distributed was considered "community property" in a marriage, etc.
Our research guide on later-life resources provides a link to Where There's No Will [PDF], a publication from the Texas A&M Real Estate Center, that explains intestate succession.
2979 views | 48 | Last updated on May 04, 2015 Family Law
Yes, it is possible to file for divorce on your own. TexasLawHelp.org offers information, guidance, checklists, and legal forms that you could use for uncontested divorces. TexasLawHelp.org offers various sets of divorce documents that depend on the situation — whether children are involved, whether real property is involved, and whether there is already an existing final court order regarding child custody and support.
Our research guide on divorce can also help you find accurate legal information about divorces in Texas.
If your divorce is contested (that is, you and your spouse are not in agreement about the divorce), then the situation can quickly become complicated, especially if your spouse is represented by an attorney but you wish to proceed without an attorney — pro se. In contested divorce cases, it is strongly recommended that you consult with an attorney for advice on how to proceed. If you decide to proceed pro se (without an attorney), there are many family law titles and practice guides that you could consult at a law library. If you register for a library account with us, you'd receive access to our digital collection, which includes an electronic version of the Family Law Practice and Procedure set that you could borrow.
2970 views | 47 | Last updated on Nov 20, 2019 Criminal Law Minors Family Law
There does not seem to be a clear, straightforward answer to this question in the Texas statutes. We highlight the complexities of this question on our research guide titled Can a Seventeen-Year-Old Leave Home? On that page you'll find links to opinions issued by the Texas Attorney General related to 17-year-olds.
We recommend contacting the Texas Youth & Runaway Hotline at 1-800-989-6884 for assistance with this question. They also offer an online youth chat and a text messaging service.
2958 views | 42 | Last updated on Apr 29, 2015 Criminal Law
These types of provisions are commonly referred to as "castle doctrines." Sections 9.31 and 9.32 of the Texas Penal Code describe when deadly force is justified and when it is not justified by state law.


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- Carrie Ruggieri
Herd healing and the human heart #2
To explore why horses are powerful healers for humans, I wanted to speculate about that first moment of being on the back of a horse: what transpired between horse and human to lead to that inspired and courageous moment; what was it like for a human to experience speed of motion never before experienced by a human? All we can know is what we feel now when we imagine this scene - inspired, exuberant, exhilarated, joyous, ecstatic... AWE
These exalted emotions are the foundation of our bond with the horse, and the foundation of our well-being. I will be writing quite a lot about awe in future posts. But, for now it is good to know that awe is a state that inspires expansion and exploration. These expansive states drive human achievement and it is also a intricate part of human development. Expansive states mark a furthering of venturing out. This is most obvious in toddlers who upon independent mobility become notably exuberant and joyous. Margaret Mahler, who first described this state decades ago, describes the child as having "a love affair with the world."
A side note: I am also interested in loneliness: why is the human mind not equipped to prevent toxic emotional states such as loneliness? Loneliness is not a state of mind inherent to herd animals. Because they literally cannot exist independent of the herd, all members of the herd ensure social order and belonging. This is natural. This is also not true of humans. Like Coyotes, we are fissure/fusion creatures: meaning we can survive independently, but we thrive within social bonds.
Researching my questions about loneliness, I learned that evolutionary psychologist speculate that loneliness functions to ensure that we stay connected to our tribe. Perhaps it ensured that the horse and rider would return.


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It may not be the most conventional place to stay, but why not make your trip all the more memorable?
When we think of Scotland and Ireland, many of us immediately conjure up the beautiful, medieval castles that pepper the landscapes throughout both countries. Often, the majestic castles loom over the modern day cities, their commanding presence still a key feature, even after hundreds of years. Continue at Source: 10 Scottish & Irish Castles You Can Actually Stay At


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United States District Court, Sixth Circuit
May 31, 2013
MICHAEL DRAKE, et al., Plaintiffs,v.DEREK RICHERSON, et al., Defendants.
SARA LIOI, District Judge.
Before the Court is the motion of defendant Laborers' Local Union No. 894 ("Local 894") for summary judgment (Doc. No. 34), plaintiffs, Michael and Cynthia Drake, have filed a response (Doc. No. 41), and Local 894 has replied (Doc. No. 42). For the reasons that follow, Local 894's motion is granted, in part, and this matter is remanded to state court.
This case arises out of two encounters between plaintiff Michael Drake ("Drake") and defendant Derek Richerson ("Richerson").[1] The first event occurred on April 3, 2009, when Drake was working at a construction site as a non-union employee of Structural Building Systems (formerly known as "C.T. Taylor"). (Doc. No. 39, Deposition of Michael Drake at 778-79, 789, 798.) Richerson who was, at the time, Vice President and one of several field representatives of the local union, was dispatched to the construction site purportedly to inquire about opportunities for union masons on the construction project. (Doc. No. 35, Deposition of Dereck Richerson at 598, 607.) Plaintiffs maintain that Richerson's true reason for the visit was to pressure non-union workers into joining the local union.
Once at the site, Richerson approached Drake, who was operating a piece of heavy machinery. (Doc. No. 39 at 799-801.) Richerson asked plaintiff if he had joined the union, to which Drake responded that he had nothing to do with the union and advised Richerson that he needed to get back to work. ( Id. at 801-02.) However, Richerson blocked Drake's path, grabbed onto his machine, and fired more questions at him. ( Id. at 802-03.) Drake eventually abandoned his machine and went into a school building, located at the site, looking for his supervisor. Richerson followed and resumed his interrogation. Drake became "hot" and frustrated with Richerson's pursuit and asked him to leave. ( Id. at 804-05.) Richerson ultimately withdrew from the building. ( Id. at 805.)
Drake eventually located his supervisor and advised him that a union representative was on site and was asking questions. ( Id. at 806.) When Drake returned to his machine, he observed Richerson speaking with a mason. ( Id. at 816.) Drake noticed Richerson pointing and gesturing in his direction. ( Id. ) While Drake later learned that Richerson had made threats of violence against him, Richerson left the construction site peacefully that day and without any further interaction with Drake. ( Id. at 821, 825.)
The second encounter between these two men occurred on January 9, 2010 at a convenience store in Akron, Ohio. Richerson had visited the store for the purpose of purchasing groceries and a lottery ticket. (Doc. No. 35 at 619.) He returned to his car, and scratched off the concealed code to reveal that he was an instant winner. Meanwhile, Drake entered the store. He, too, was planning to purchase some lottery tickets, and had promised the store's proprietor that he would perform some freelance construction work at the store. (Doc. No. 39 at 833-34.)
Richerson decided to return to the store to claim his prize. (Doc. No. 35 at 621.) When he observed Drake standing near the counter, Richerson approached Drake inquiring, "Hey, Bug, remember me?"[2] (Doc. No. 39 at 841.) Drake thought Richerson looked familiar, and held out a hand as if to shake Richerson's. Instead of returning the gesture, Richerson began to strike Drake repeatedly with his fists and kick him. ( Id. at 841-43.) The beating lasted for several minutes, with Drake eventually falling to the ground and Richerson sitting on him, during which Richerson patted his side, revealing a gun holster and cautioned Drake not to follow him out of the store. ( Id. at 843-44.) After Richerson left the scene, the store owner phoned the police. Drake sustained serious injuries to his ribs, spleen, and face during the attack, and was unable to return to work for more than six weeks. ( Id. at 860-61, 885.) Richerson was arrested and charged in connection with the assault. (Doc. No. 35 at 623.)
According to plaintiffs, Richerson was never disciplined by the union. While plaintiffs acknowledge that Richerson was not permitted to return to the work site where Drake was employed, they note that Richerson remained in his position with the union, and that he was permitted to continue his campaign for local union president. Richerson was ultimately successful in his election bid. (Doc. No. 35 at 629.)
At some point after the election, Richerson was tried in the Summit County Court of Common Pleas, and was convicted of felonious assault, under Ohio Rev. Code § 2903.11(A)(1), and a firearm specification, under Ohio Rev. Code § 2941.145. He was sentenced to two years imprisonment for the assault, which was ordered to run consecutively with a mandatory three-year sentence for the gun specification. (Doc. No. 5-5 at 374, State Appellate Brief of Richerson; Doc. No. 35 at 629-31.) Following his conviction, Local 894 terminated his employment.[3] (Doc. No. 35 at 630.)
On January 6, 2011, Drake brought suit in the Summit County Court of Common Pleas against Richerson, Local 894, and Laborers' International of North America ("the International"), raising claims of assault and conspiracy. Plaintiff Cynthia Drake also brought a derivative claim for loss of consortium. On August 9, 2011, plaintiffs amended their complaint to add claims for negligent and intentional infliction of emotional distress, negligent hiring and negligent retention, and unfair labor practice(s) ("ULP"). (Doc. No. 1-20, First Amended Complaint.) Relying exclusively on plaintiffs' new ULP claim, defendants successfully removed the action to federal court.[4] (Doc. No. 1, Notice of Removal.)
Local 894 now moves for summary judgment on all claims raised in the First Amended Complaint. In its motion, the local union argues that there is no evidence in the record that, if believed, would support union liability for the assault by Richerson. With respect to the claim of unfair labor practices, Local 894 argues that the action is time-barred, and that the claim fails on the merits because there is no evidence that it attempted to coerce Drake into joining the union. Plaintiffs, however, insist that there are genuine issues of material fact relating to the state tort claims, and that there are also factual disputes surrounding the timeliness of the ULP claim.
Under Fed.R.Civ.P. 56(a), when a motion for summary judgment is properly made and supported, it shall be granted, "if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." A fact is "material" only if its resolution will affect the outcome of the lawsuit. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). Determination of whether a factual issue is "genuine" requires consideration of the applicable evidentiary standards. Thus, in most civil cases the Court must ...
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Cult Film Legend Lynn Lowry Joins Dustin Ferguson's 'Hell Of The Screaming Undead'
Set to begin filming in March, we've got quite an exciting update for Dustin Ferguson's '80s-set zombie film Hell of the Screaming Undead, as beloved genre film icon Lynn Lowry (Cat People, The Crazies, I Drink Your Blood) has joined the cast!
We've also learned that director Domiziano Cristopharo (The Obsessed, Ill: Final Contagium) will be shooting some second unit footage for the film in Italy!
Indie film favorites Mike Ferguson ("Agents of S.H.I.E.L.D", Jaws of Los Angeles) and Jasper Cole ("American Horror Story", Captured) have been cast a two ex-jailbirds who fight back against the undead hordes.
In the film, "It's the Summer of 1988 and a powerful, unknown virus from New Guinea hits the streets of Los Angeles, turning everyday citizens into flesh hungry, screaming corpses! A tough-as-nails ex-Con "Buzz" (Ferguson) and his former cellmate Earl (Cole) escape the city and take refuge deep in the Angeles National Forest, along with two female captives. With the threat of impending doom upon them it isn't long before tensions rise and there's a violent showdown between not only an army of the undead, but each other as well!"
Hell of the Screaming Undead's female leads include Jenn Nangle ("Malvolia: Queen of Screams", 10/31) and Vida Ghaffari ("The Mindy Project", "Suspense"). Spookies and Street Trash producer Frank Farel will serve as executive producer for the film.
Check out a new poster below and stay tuned for more updates!


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text: You´re not going to believe who´s being brought back. Sept 23, 2017 16:36:18 GMT -5 Quote Select PostDeselect PostLink to PostMemberGive GiftBack to Top Post by luxshine on Sept 23, 2017 16:36:18 GMT -5 www.bleedingcool.com/2017/09/23/supernatural-season-13-missouri-moseley/Supernatural is bringing back a character that hasn't been on the show since season 1. Loretta Devine (The Carmichael Show) will be reprising her role as psychic Missouri Moseley in the upcoming third episode of the CW series' thirteenth season.The character first appeared in 2005 in an episode called 'Home' that involved Sam having nightmares about their former home in Lawrence, Kansas, where the current occupants — a mother and two small kids — are extremely accident prone. They consult Moseley, their father's old medium friend, and together with the help of their mother's spirit, are able to confront the evil poltergeist. A second ghost intervenes and someone hides behind Moseley.Fast forward 12 years and the boys have changed and Moseley returns. Executive producer Andrew Dabb told TVLine:"We'll find out the reasons why we haven't seen her in a few years. She is one of the few people still around who can comment on what Sam and Dean were like versus what they are like [now]. The last time she saw Sam and Dean, Sam was just out of college, and Dean was struggling with being his own man, still kind of in his dad's shadow. They are not those guys anymore."Supernatural Season 13 kicks off on Thursday, October 12th at 8 p.m. on the CW.So, thoughts? I mean, we can expect her to be nasty as hell to Dean and baby Sam because poor Dear how much he has suffered, but now that Sam has no powers, maybe she will ignore him a bit.In any case, I don´t give her many odds of surviving the episode, given how SPN treats returning guest stars.


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YORK City's new goalkeeper Peter Jameson might be turning professional for the first time at 26, but he has rubbed shoulders with international performers in the past.
Jameson was a "training goalkeeper" at Middlesbrough when the likes of ex-Australia number-one Brad Jones, Wales' Danny Coyne and Team GB's London 2012 Olympics net-minder Jason Steele were on the Riverside books.
During that time, he also had his palms stung by the likes of former Dutch under-21 attacker Marvin Emnes and is now looking forward to bringing that experience to bear as a full-time Minsterman, having switched from National League North rivals Blyth Spartans and also tasted semi-professional action with Darlington, South Shields, Sunderland RCA and Consett.
"I was a training keeper at Middlesbrough and was at Gateshead on a non-contract basis when they were in the National League, so I have been involved in the professional game before," Jameson pointed out. "I was training with Brad Jones, Danny Coyne and Jason Steele at Boro and the goalkeeper-coach was Stephen Pears, so it was great seeing how high their standards were and facing shots from players like Marvin Emnes was also a really, good experience.
"My aim has always been to be a full-time footballer and that would be the case for most young lads interested in the game but, now that I've got this chance, the hard work doesn't stop – it has to keep going."
After leaving school, Jameson joined his uncle working at Sunderland City Council – first in the enforcement sector and, then, in the grass-cutting department, leading him to joke: "If the groundsman here needs any help, I don't mind getting my wellies on!"
In fact, Jameson would have enjoyed a better salary had he taken the part-time opportunity to follow former Blyth boss Alun Armstrong to Darlington this summer and continued in his day job.
But, explaining his decision to agree terms with City instead, the one-time Northern League rookie added: "Alun made me a great offer and I think really highly of him.
"He's done a lot for me as a person and a player and I thank him for that, but I'm ecstatic to be joining such a massive club that sells itself. I loved playing at Bootham Crescent for Blyth because of the atmosphere and am looking forward to starting back now on July 1.
"I had other offers to go full-time and would have been better off financially staying part-time, but opportunities like this don't come around often, so I grabbed it with both hands."
Jameson has become Minstermen chief Steve Watson's third summer recruit from Blyth and, having played for the Croft Park outfit alongside 25-goal, top-scorer Dan Maguire and attacking midfielder Kieran Green during last term's play-off qualifying campaign, he is looking forward to joining forces again with the duo in 2019/20.
"They are both smashing lads," Jameson enthused. "Greeny has high energy levels, is great technically and will run through brick walls.
"Dan is unbelievable in the box and, if you give him a yard, he will punish you with his right or left foot. I'm looking forward to working full-time with both of them, and it will help the settling-in process and with diesel too!
"But there are also some really good players already here and I'm sure the other lads will look after us as well. I already know Fergie (David Ferguson), because I went to school with him and, whilst I think I had more brains, he was a better footballer!"
Shedding light on Maguire's unusual nickname, meanwhile, Jameson revealed: "Everyone knows him as 'Nipper' and I think it's because, when he's had a few drinks, he likes to have a bit of a nip at people."
With the Minstermen's management team stating that teenage keeper Ryan Whitley will start pre-season as first choice between the sticks, Jameson also has no qualms about engaging in a competitive contest to win the right to don the gloves for the campaign curtain-raiser on August 3.
"I'm really looking forward to working with (goalkeeper coach) Andy Collett and Ryan," he declared. "I've heard good things about Ryan and I'm sure, whoever is picked for the first game of the season, the other keeper will be backing him.
"It's our jobs to push each other and get the best out of each other."
Jameson caught the eye against his new club in last term's FA Cup fourth qualifying round tie between the two sides when he saved a Sean Newton penalty for Blyth.
City still won that match thanks to a Jordan Burrow goal and the keeper admits he would have rather repelled any of Altrincham's shoot-out efforts as the Spartans bowed out of the play-offs 7-6 on spot kicks last month.
"I saved a couple of penalties last season, but I couldn't save any in the play-offs against Altrincham, which was so disappointing," he lamented.
The target now is to compensate for that suffering, with Jameson insisting: "This is a Football League club that should be nowhere near where it is without a doubt.
"I know that every single player in this league looks at the fixtures against York as the ones they want to impress in. But my job now is to help the club get back to where it wants to be and, without putting any pressure on anybody, promotion has to be the target.
"It's a really tough league, but we nearly achieved it at Blyth and, although a good start isn't always necessary, we'll be looking to have one and, then, keep the momentum going."
In preparation for the new campaign, City will travel to one of Jameson's old clubs – South Shields – where he spent a short spell on loan from Darlington and the one-time Mariners Park custodian feels last season's Evo-Stik Northern Premier League runners-up will provide a strong warm-up test.
"I really enjoyed it there and got on well with everybody, so it will be really good going back," he confessed. "The pitch is unbelievable – it's like a carpet - and they like to get the ball down and play, so I'm sure it will be a tough game in which we can get minutes under the belt."
With relocation from Bootham Crescent to the new community stadium set to take place at some point next season, Jameson has also stressed the importance of establishing both bases as fortresses during 2019/20, reasoning: "Bootham Crescent is still a really nice stadium with so much history and I've been shown around the new ground and it's unbelievable from what I could see.
"I'm really looking forward to moving there, but we've got to make sure that we give the fans lots to shout about here first, because they deserve the chance to give it a good send off, so we have to make both places fortresses."


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We stand at the advent of a new year. The year 2019 is gone forever.
For some, it may have been an emotional time filled with difficulties. Despite the setbacks, the grace of Jesus Christ was ever present with the the love of God and the presence of the Holy Spirit.
The tough times of the past year are not meant to remind us of how bad things were, but rather, to serve as reminders as how God created us strong enough not to surrender to the tragedies of life. At times, we might bow under the pressure of life but we did not break. Why? Because God designed us to stand not fall; to succeed not fail; to persevere not quit; to be an overcomer not just a winner. All of this is possible because God's grace was with us, and still is with us.
Be assured that God's grace is available to you in this coming year. There will be moments when you will feel overwhelmed by life, by people, by issues, by circumstances, by demands, by struggles and temptations. You may even reach the point when you cry out: "I just can't take anymore. Remove this pain Lord!" At such a moment, listen with your heart to God's answer to you: "My grace is sufficient for you... I know the plans I have for you, to bless you, not to destroy you!"
You are more than a mere chance recipient of God's grace. God has called you intentionally, loves you intentionally,listens to your prayers intentionally.
It is all because of the wonderful grace of God! May you be surrounded by the grace of Jesus Christ this New Year and may this be your best year ever!
Editor's note: The Rev. Dr. Scott Stewart is the pastor of Pea Ridge United Methodist Church and Brightwater Methodist Church. The opinions expressed are those of the writer. He can be contacted at [email protected] or 479-659-9519.Religion on 01/01/2020
Print Headline: May 2020 be your best ever


text: Although the concept of corporate information management (CIM) has been around for several years I am struggling to get a definitive definition of what corporate information management is. In this blog I will attempt to firstly define and present a framework for looking at the various dimensions of corporate information management. Corporate information management is a process of - strategic sense making, - planning the supply for future information needs, - increasing the utility value of available information resources, - eliminating redundant information, - ensuring compliance to legislation, - and increasing the return on investment in information technologies, 1) Strategic sense making The corporation is faced with a mass of information that is generated outside of the information. A wealth of potential to identify trends of change, critical to the organization, is hidden in multiple external information sources. Corporate information management is tasked to identify credible and relevant external information sources and build sense and response systems that allow the business track trends and deliver interpreted information to action appropriate responses. 2) Planning for future needs Change has become part of normal business. Most corporate companies have a wide variety of projects driving new business initiatives. When a project is changing the way business is done it almost always implies that there will be new information requirements. A new business process needs to be monitored and information is needed to support decision making. New initiatives always carry with them an element of risk. The key to the successful implementation of strategic initiatives is to plan in advance for new information needs. 3) Increasing the utility value of available information Business is supported by an information life cycle. Information requirements are define, information is captured, information is distributed to a point of need and finally the information is distributed to a point of decision making. The utility value of information is based on whether the information increase the efficiency and effectiveness of operational processes. Utility is often a function of relevancy, accuracy, completeness and the timeliness with which the information is available at the point of need. The utility value of information is however more than relevancy, accuracy etc. because it also depends on how well people are equipped to use the information. Corporate information management must ensure that processes are in place to ensure that high quality of information lands in the hand of high quality people. In this aim the distinction between Information Technology and Human resources blurs. In essence corporate information management ensures a continual business process improvement dialog between business and Information Technology to ensure the right information is available to secure he smooth running of business processes. 4) Eliminating redundant information The curse of the information age is an overload of information. In almost every organization there is still software modules running and creating reports that nobody is interested in. Corporate information management should identify what information is really needed in the business and what information should no longer be supplied. By purposefully managing out information sources that has become redundant the cost of information technology can be reduced sharply. 5) Ensuring compliance to legislation Legislation is catching up with the peculiarities of the information age. Legislation demands that a company protects its client information against abuse. Other legislation is in place to secure the right of the shareholder to have access to quality information to make investment decision. Corporate information management must continually interpret the legal requirements and ensure that the all measures are in place to ensure compliance to legislation. 6) Increase the return on investment in information technologies Return on investment implies an increase in the total income generated, a decrease in the cost of information technology and the reduction of business risk. Corporate information management ensures that every information technology resource's potential is fully exploited by the business. A key value driver for Corporate information management is to reduce the risk posed by information in the company by ensuring that information is sufficiently protected against misuse and abuse. Any thoughts, ideas or suggestions to improve on this definition will be appreciated.