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Everyone needs a place of solitude...that place where you are alone with yourself and can reflect, refresh, and replenish your soul. Let us learn from nature the true beauty of being still and knowing that all will be well.
Note: Thank you in advance for your visits, comments, and invites. I will be away today, but will visit you when I return. I appreciate each and every one of you so much!
knowing that it was going to be a very hot day at the track, shannon exercised very good judgement by wearing a short skirt and her hair in a pony tail. and a short skirt.
Just wanted to say a big thanks to Chris (Blythe Kouklas) for gifting me this fabulous Pinktober jumper!! Its perfect for Hope!! thank you so much Chris!!
Knowing very little about Military vehicles or Land Rover all I can say is that this highly bulled Land Rover 66KF58 of the Honourable Artillery Company was on ceremonial duties at Tower Hill on 11 June 2006
Knowing we live on the coast - and that it's been unseasonably wet and cold - friends sent us this as their 'moving house' card...
Mominah and I had quite a debate on these lines. LOL. But I'm glad that we did. What do you think?
These lines are taken from "Your Sacred Self" by Dr. Wayne Dyer. I have been reading this book for a while now. This book was given to dad along with some other great books.
Have a great day!
Knowing that you can surf through a variety of stores at once, you will appreciate the ability to compare prices of the same or similar products that are of interest to you. This will make you conscientious of where to acquire those family women's plus size bathing suits that are cheaper in cost but of the same high quality. sd-hk.com/collections/plus-size-bikinis
knowing the moonlight
and having danced slowly,
with the most petulant of stars ---
I have come to know the dangers
of ever letting down ones guard,
and so as destiny comes to mock me ---
and as you lay there in the darkness
if only to quell the souls of the restless,
won't you answer the queries of a ghost ---
by what spell milady, did thou find sleep?
Knowing or assuming that people on airports are already bit nervous about getting aboard and they could be even more nervous if I would try to take many shots with my "new" Nikkor 55 1.2 to have at least some shot focused, I decided to mount my 85 1.4 again.
I saw this lady in the line in front of check-in desks. Then I saw her again in cafe close to gate and decided to wait and ask her when she is done with her coffee. She kindly agreed and I'm glad. I like her hat and glasses.
This picture is #+100 in my 100 strangers project. Find out more about the project and see pictures taken by other photographers at the 100 Strangers Flickr Group page
I'm taking a little vacation. When I go on vacation, it's a real vacation.......no laptop, no smart phone, no access to the internet at all. It's fun, hopefully sun, and my camera. :-)
Knowing that the forecast was for the snow to melt quickly today I took advantage of it before it was gone.
Knowing the ins and outs of automotive fraud laws in Missouri is essential for lawyers who seek to offer a full-service practice to their clients.
mastersonlawllc.com/automotive-fraud-missouri/
As the old adage goes, true wisdom comes from knowing what you do not know; nowhere is this more important than in the legal community where the sheer breadth of the law makes specialization a necessity. Consumer advocacy work, particularly in the fields of automotive fraud and car scams, is one such niche that requires specialized expertise that falls outside the general purview of most Missouri attorneys but is critically important to many clients. Knowing the ins and outs of auto dealer fraud laws in Missouri is essential for lawyers who seek to offer a full-service practice to their clients.
Automotive Fraud in Missouri is on the Rise
The number of potential automotive fraud cases are many and varied; issues can result from defective vehicles, “as-is” sales, wrongful repossession, “yo-yo” deals, and a host of other car scams practiced by disreputable auto dealers.
Auto fraud in Missouri is on the rise and consumers need to be on the lookout. Thomas SanFilippo of The Law Firm of Thomas San Filippo & Associates in St. Louis has seen a steady increase in consumer auto fraud cases. “Unfortunately, auto-fraud seems to have remained remarkably prevalent in Missouri despite the State’s reasonably strong consumer protection laws; mainly, the Missouri Merchandising Practices Act or MMPA.”
Joseph Backer also concludes that “auto fraud cases are on the rise” in Missouri and his firm, The Backer Law Firm in Independence, Missouri “cannot take all of the cases that come in.”
Billions Lost in Auto Fraud Every Year
Nationally, auto fraud costs billions every single year according to Frank McKenna, the Chief Fraud Strategist for PointPredictive, a firm that provides fraud solutions for financial institutions. “Auto Fraud represents anywhere from $4-$6 billion dollars a year in risk to the industry. Some lenders have been able to tie much of their risk to just a few car dealers in their portfolio. Unscrupulous dealers that are defrauding lenders are often defrauding consumers at the same time. A finance manager, for example, may fill out an application for a borrower with false information, when the lender calls the borrower to confirm some of the information later the borrower often has no idea. Borrowers should fill out the applications themselves and review it in detail to avoid becoming a victim of fraud.”
The most important way an attorney can service clients with automotive fraud concerns is informing them how best to protect themselves from such troubles in the first place. There are a number of simple measures consumers can employ to insulate themselves from potential auto dealer fraud issues. The following are some of the best tips an attorney can give to his clients before they go to an auto dealer to purchase a new car.
Do not leave the dealership without a title. Period.
Some of the most common automotive fraud cases arise from the consumer failing to acquire the car title at the time of purchase. Missouri law requires that the dealer must provide title to the purchaser at “time of delivery” or else the sale is fraudulent and void, as is the underlying contract to the lender. Still, the best way for a consumer to protect themselves from the lengthy ordeal of suing a car dealer is to head the problem off at the pass.
“We’ve seen a plethora of aggrieved consumers over the past several years who were brazenly cheated by used car dealerships who either fail to adequately train and supervise their employees to ensure ethical, lawful conduct in the automotive business unscrupulous or who were just frankly unscrupulous. The latter of the two seems to be more prevalent,” SanFilippo adds.
Do not take the car without an executed contract for purchase between the car dealership and the consumer and a promissory note executed by the finance company
Another common car scam is what’s referred to as a “Yo-Yo sale” wherein the dealership gives the consumer a car but says they need time to finalize the transaction. The consumer believes they have a deal but later, the dealer informs the consumer that the transaction fell through for one reason or another and makes the consumer either return the car or agree to different terms than originally bargained for; in some instances, the dealership may have already sold the consumers trade-in vehicle as well. By making sure they have an executed contract for purchase and a signed promissory note for financing, consumers can substantially reduce their potential to be the victim of automobile dealer fraud.
Have the car looked at by a mechanic before purchase and make sure the car has passed inspection
Another way consumers can protect themselves from fraud is to be sure they don’t leave the dealership until the seller has provided written obligations if they are going to fix or repair or add any items on the vehicle. The buyer’s contract or a separate agreement must note any promises the dealer makes to the buyer because if it is not in writing, it is not enforceable.
Often times, dealers will promise to repair a noise the car makes, or a scratch the buyer finds, or issues with the radio, for example. The dealer will usually promise the buyer, “oh yeah, sure, we’ll gladly take care of that if you buy the car” but when the buyer leaves with a promise from the dealer to repair it later, they often find the dealer won’t repair the issue later or weasels out of the promise they made in some way. If the buyer gets the promises in writing, the dealer is much more likely to actually follow through to perform the repair.
Rosemary Shahan, President of Consumers for Auto Reliability and Safety adds, “One of the most dangerous forms of auto fraud occurs when unscrupulous auto dealers make false, deceptive, and fraudulent claims about a used vehicle’s safety, without getting the free safety recall defects repaired.”
Paperwork is key!
Paperwork is key! Make sure there are no additional terms to the agreement that are not in writing.
Perhaps the most common auto dealer fraud cases come from failing to properly inspect vehicles before purchase. Shady automotive dealers have been known to rebuild salvage vehicles while failing to disclose their status on the car title as required by law. Dealerships may then try to indemnify themselves by hiding behind an “As-Is” disclaimer, and while such a disclaimer is not a legal defense to automotive fraud, consumers can circumvent the ensuing automotive lawsuit by taking a proactive stance before purchasing a vehicle.
Backer echoes this advice for lawyers, that “an ‘as is’ clause in a sales contract does not kill your case.”
This is just the tip of the iceberg for the unique field of automotive fraud law and the tips outlined above provide an excellent starting point for an attorney with clients concerned about purchasing automobiles or possible auto dealer fraud in Missouri.
"A good photograph is knowing where to stand" - Anselm Adams - and the photographer in the image chose his spot and waited patiently for the moment.
Knowing that H. axyridis larvae are known to predate Adalia sp larvae, I interfered in this case, and moved it on to another plant with plenty of aphids!!
Upton Magna - Shropshire
knowing I'm going to be too tired to do this tonight I thought I'd get it done now. Quick pic of myself.
Not sure about the rest of you but I feel rather blah after Christmas and New year, I've put on 4 whopping kilos and feel every bit of it :( so the reason for the SP is to try and break out of my mood that I'm fat and yuck when in reality I know I should be happy with me, I am ok I just need a slap every now and then. The perception of ones self can be nasty at times.
Maybe tomorrow I'll feel better BTW I'm not after pitty, just speaking out loud and might delete this later when I realize I'm being silly.
I Get A Knowing Wink...
From My Old Friend Nubble Light...
Where I Also Stopped To Start My Nova Scotia Ride...
Of 1985.
Not Knowing Working Group Clive Philpott, Lucy Gunning, Jo Melvin and others, . Raven Row, London.
As part of Artists Placement Group (APG) exhibition at Raven Row, London, a ThinkTank met at Chelsea College of Art and Design to convene a public discussion based on APG’s discursive format of The Sculpture.
Knowing my wife had demanded I got home on time for some lurv I made a quick diversion on the way home to try and catch the weather front over Jodrell Bank. I would have liked to take longer, but when my wife says I have to be home on time, well.......... This shot straight out of the camera.
Knowing that Washi A was a high-contrast film and Rodinal isn't known for taming contrast, I did something different. Going by a time on the MDC, I over-exposed the roll by a stop (ASA-6). The results were decent, in some cases a little soft at the edges, but overall I got a little better shadow detail but kept that nice high-contrast look.
You can read the full review online:
www.alexluyckx.com/blog/2023/08/14/film-review-blog-no-98...
Nikon F5 - AF Nikkor 24mm 1:2.8 - FilmWashi A @ ASA-6
Adox Rodinal (1+50) 8:00 @ 20C
Scanner: Epson V700 + Silverfast 9 SE
Editor: Adobe Photoshop CC
Knowing Jesus – Why did the Lord Jesus work on the Sabbath?
By Wang Hao
There are the following scriptures recorded in the Bible, “At that time Jesus went on the sabbath day through the corn; and his disciples were an hungered, and began to pluck the ears of corn and to eat. But when the Pharisees saw it, they said to him, Behold, your disciples do that which is not lawful to do on the sabbath day” (Mat 12:1-2). Yet the Lord Jesus said, “But I say to you, That in this place is one greater than the temple. But if you had known what this means, I will have mercy, and not sacrifice, you would not have condemned the guiltless. For the Son of man is Lord even of the sabbath day” (Mat 12:6-8). Whenever I saw these scriptures, I couldn’t help but think: The Sabbath was the holy day made by Jehovah God for the Israelites. On that day, everyone would stop working and go to the temple to worship Jehovah God. However, when the Lord Jesus came, He did His work on the Sabbath. Why didn’t He lead His disciples to keep the Sabbath? What’s the intention of the Lord Jesus by doing so? These problems were always disturbing me.
Image Source: Daily Devotionals
Source from: Our Daily Devotionals
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