Casual Teenage Boys Wear

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Are you conscious about the dressing of your teenage boy? Are you looking for casual and relaxed boys wear? Teenage boys wish to wear relaxed dresses that can let them play and roam around. Most of the boys do not like to go for shopping with their parents as they have developed their style and comfort; they desire dresses that are sporty and easy.

Most of the parents hope to shop for their teenage boys, but they forget to follow what their sons crave for. If you want to buy anything for a teenage boy, first know about his choice and opinion, give him some time and try to know him fully. I can bet you, more than 90 % boys will ask for casual wear rather than formal or restricted wears.

Teenage boys often go with trends; they simply like to follow it without recognizing it fully. Presenting themselves up-to-date and most stylish among the peers is the dream and trance of the new generation; they are in competition with one another and you simply cannot stop them. So, it is better to let them choose their dresses at this age.

If your son selects any dress that goes mainly with style, you need to consider if it is comfortable or not? Do not go for style only; make your son go for the comfort and ease factor when going for dressing; he will surely understand it. You need to give him models or simply ask him to try it and feel the comfort level. He will admit the actuality only when he will feel it by himself.

Try various styles and buy from more than one shop as it will leave a good impact on the traits of your teen. Try to follow diverse patterns in dressing as the same scheming will leave a boring impact. You must be vigilant about the colours and shades of the clothes of your son. Do not go for the same shades and tones; try unique but suitable colours. Make sure that you do not put odd or gauche colours for your son. You should have proper knowledge about the colours that are restricted to boys and girls as well. No parent would like to make fun of his son in front of others while wearing pink t-shirt.

You can buy online; there are ample websites that offer great packages and deals to the parents. They have experts that guide you in newest trends in unfussy wears; you can just sit with your son and select any wear for him. Most of the sites catch your interest by offering price series and colour selections.

Casual clothing is unlike the formal one; your son can try any style in it. You need to be with him just to guide him. Teenage boys get crazy about few and limited colours; here you need to tell the significance of other colours as well. Casual wear does not signify that you have the liberty to wear socks with sandals.

Teenage boys are fond of wearing hand bands and chains; accept the taste of your son. If you do not get time to shop with your son, ask your daughter to do this job for you, as it will be a good companionship for your son.

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Car Insurance Lead Script

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If you need to generate leads of people interested in getting updated car insurance rates, here is a script that works great. All of the verification questions are asked first to build trust with the prospect before asking for new information. Don’t over think your lead generation campaign, often the simplest processes yield the best results. Start off with a short greeting and explain the reason for the call within the first 30 seconds or risk losing the prospect’s attention. Verify first, ask for new information second. Use verification questions to build report with prospects before asking for new information. For example, “I show your address as…”, versus, “how much is your monthly auto insurance policy at the moment?”

Write out rebuttals that the telemarketer might need to handle common objections. Think of these as opportunities to give more information as well as steer the conversation back to generating a lead. Generating interest and doing some simple verification work should be the primary goal of each call. Don’t make the mistake of trying to pack too much into each call.

“Hi, may I speak with __________? Hi _________, this is AGENT NAME, I’m calling from XXX car insurance, I’m just calling to verify your information so we can provide you with updated auto insurance quotes, I show your name as NAME and your address as ADDRESS in CITY, STATE, and the zipcode is ZIPCODE I also have your email as EMAIL ADDRESS, is this correct?

Thank you, and what is your marital status? (single or married).

Are there any additional drivers we should include? (if yes get name, date of birth).

We understand people’s vehicles often change, so what vehicle do you currently insure? I just need the year, make and model.

Are there any additional vehicles? (if so need the year, make and model).

Are you currently a homeowner? (own/rent)

And who is your current car insurance company?

Thank you, and finally I have your date of birth listed as/what is your date of birth? (if not listed in contact info)

To make sure we can save you the most money we will have a local insurance agent contact you so that you receive the best rate and coverage possible. Thank you for your time and have a great day.”

Side Note: This script works great with a web-based lead form, you can quickly create a form that follows this format in Google Docs and will deliver results to an online spreadsheet that updates in real time.

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Asset Backed Securities Credit IO’s – Don’t Be A Slave To Your Data

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In this article I am going to address a common complaint that we’ve seen ABS investors have: that when they’re putting together systems, too much automation creates a “black box” which then doesn’t permit the user to adjust the data in the manner in which they see fit.

Let’s face it, traders are on the front lines evaluating complex securities such as ABS bonds and the more you can permit users to take the data and create useful models that don’t “lock them into a particular view” of what’s being traded, the better it will be. Most often, traders build their own spreadsheets and, in general, do a great job. However, the lack of ability to dynamically communicate with a database of securities information can cause a great deal of trouble in the ABS market, if only when the next month’s data set comes out from trustees and they find themselves scrambling to manually update their spreadsheets.

Additionally, IT departments blanche at the thought of those overly flexible, manipulable spreadsheets that defy “systemization”. In this article we will discuss a specific example and how to satisfy the needs of both areas: IT and the Trading Desk.

Let’s take up the subject of “Credit IO’s”.

Definition: A Credit IO is an ABS bond which is sufficiently far down in the Capital Structure of an ABS deal that, based on the level of collateral defaults and loss severities that the market is currently experiencing, cause an investor to NOT expect any payment of principal.

Assumption: the bond’s principal WILL be written down to zero at some point. The investor expects NOT to get any principal back. However, until that point, the bond can earn interest cash flows therefore it’s an “Interest Only” bond.

Key Factor: Loss timing. Between now and precisely WHEN the bond is fully written down, the bond will be earning interest. Those monthly cash flows are worth something. The faster the bond will be written down, the less interest cash will be received. The longer the bond exists, the longer the bond will receive cash flows. The trick is to figure out when the losses will hit the bond. The timing of the losses will therefore have a dramatic effect on the price that an investor should be willing to pay for the bond. Less time until the fully-written down point = lower price.

So let’s take a look at some of the elements relating to the data side of this. Here are some of the relevant points:

1. Delinquencies

2. Foreclosure and REO timelines

3. Loss Severities to be used in determining how much of each loan will be lost due to defaults.

4. Credit Enhancements levels – primarily overcollateralization (OC) and each tranche’s current level of credit support (how much of the capital structure is supporting the particular tranche(s) we are evaluating).

On a Bloomberg you can bring up a simplistic method of evaluating this by typing an ABS cusip followed by the Mortgage key (F3) and then typing “MTCS” . This gives you the ability to take the deal’s current level of 60 day and 90 day delinquencies and apply a particular percentage of each that you expect to go through to default. The amounts of loans in Foreclosure (FC) and Real Estate Owned (REO) are assumed to be 100% in default. So we have as an example:

Table % % that will default default amt

% of Deal 60+ Day Delinq 8% 60% 4.8%

% of Deal 90+ Day Delinq 5% 70% 3.5%

% of Deal in FC 3.5% 100% 3.5%

% of Deal in REO 2.5% 100% 2.5%

For a total of 14.3% that we expect to end up in full default and thereby experience a loss.

Sum those figures up (14.3%) and multiply by a single loss severity input and you will have the approx amount of the deal that you will experience as a loss. Let’s say we use 50% Loss Severity. That will give us 7.15% of the outstanding collateral balance in the deal that we expect to impact the deal’s capital structure in the form of losses. Compare that amount versus the particular bond’s credit support that you’re evaluating and if you have a ratio (called the “Coverage Ratio” on Bloomberg), that is less than 1.00, then that bond is likely to disappear completely because there is simply not enough support for the bond to survive. Anyone with access to a Bloomberg can do the above. The above doesn’t actually try to predict WHEN the losses will occur – only that they are expected to occur at some point in the future. It also does not let you consider future loans that are current on their mortgage payments or are 30 days delinquent that will come down the “pipeline” into the more severely delinquent states and finally into realized losses. It also doesn’t try to tell you what it all means in terms of a “price” that you might be willing to pay for the bond.

So let’s kick this up a notch.

Loan-Level Delinquency information

First of all, let’s assume that we have access to loan-level information and that we know, not only the current delinquency status of each loan but exactly when the loan entered that status. Intex provides good loan level data for deals from about 2006 and onwards. Loan Performance provides loan-level information for all deals – loan level information is generally what Loan Performance is known for (but they don’t have very good data about the capital structures nor can they do really good cash flows on the bonds as Intex does). The point is that loan-level delinquency information is available.

So let’s retrieve all the loans from a particular deal into a spreadsheet from our database of loan-level information. Ideally, this should be automated from within the spreadsheet so we can always refresh the data whenever we need to ensure that it is representative of the most current data in our database.

We now have our hands on which loans are in which delinquency condition. Now, if we simplistically project out maximum timelines that all the loans will experience in FC and REO before they hit their loss point, we can derive a table of months going forward and WHEN those losses will be experienced.

For example, we can state the following:

A. Let’s say that a loan has been in FC for two months already: Let’s permit 6 months for the total “normal” amount of time that a loan is going to be in FC so that there are expected to be 4 months more of FC time for this particular loan. Then permit 6 months more for the full REO process. This means that month 10 is WHEN we expect the loss to hit.

B. Let’s say that a loan is currently in REO and has been so for 4 months. Permitting 6 months of complete REO time suggests that we have 2 more months to go. So 2 months from now is when we think we will realize a loss on this loan.

C. Let’s say that a loan has just become 90 days delinquent for the first time. They’re probably going to be in FC real soon, but maybe we feel that we should allow an additional month of being 90 days delinq. So we would have 1 more month of 90 days delinquency. A full 6 months of FC and 6 months of REO so that we expect the loss to hit in month 13.

We can continue to do the above for 60 days delinq loans and 30 day delinq loans. And possibly take some current loans based on the idea that some of these will also hit the skids.

Let’s assume an overall “Loss Severity” of 60%. According to some market participants 60% is getting more and more real. This means that, given a loan amount of $100,000 you are expecting to lose $60,000. Apply the loss severity input to each of the loan balances and sum those loss amounts up into each of the months you have projected into the future.

The result is that you end up with a table of months into the future within which losses can be summed up – month by month. At that point we have a relatively simplistic table giving us WHEN we expect the losses to hit. These losses will be applied to the bond’s outstanding balance and will eventually “amortize” the bond’s principal, via write-downs, down to zero. At each month, you calculate what amount of interest the bond should receive. Then we apply the loss amount for that month and decrease the bond’s outstanding principal balance so that in the next month there will, of course, be less interest earned. We keep doing this until the bond’s balance has been written down to zero, at which point you’re not earning any more interest on the bond. At that point, the bond has disappeared. Then sum up the interest payments that you received during the time when the bond was still “alive” and you have the amount of cash you’re going to receive on this bond. Divide that by the principal currently outstanding on the bond and you have the price that might be indicative of what you would be willing to pay. Notice that this last sentence is disregarding the time value of money. It can be an enhancement to “present value” (PV) those interest cash flows and then sum up the PV-ed cash flows to get a more accurate price.

It should be noted that if there is any “OC” remaining at the bottom of the capital structure in the deal, you have to allocate the loss amounts to the OC first before they start to impact the bond you’re evaluating. Likewise if there are any bonds BELOW the one you’re evaluating, because of the fact that losses are allocated from the bottom of the capital structure upwards, then each of those bonds below your bond each have to be written down to zero before the loss amounts start to impact your particular bond. The point being that your spreadsheet application must retrieve all of the bonds and any OC BELOW your bond and apply the loss amounts to EACH of their principal outstanding amounts BEFORE the losses start to impact your particular bond. Of course, this means that ALL of the bonds below the one you’re evaluating are also, each one, a “Credit IO” bond.

A few other observations

I want to emphasize that decreasing the FC and REO timelines in the model will have the impact of decreasing the amount of time that the bonds will survive thereby decreasing the length of time that the bonds will earn interest resulting in a lower price that one would be willing to pay for the bond. Obviously, if you’re buying you want to pay as low as possible so underestimating time lines will help you. If you’re selling, you’ll probably want to consider that the time lines are longer so that you can sell it for a higher price. These are the normal competitive sort of interests in the market place.

The above represents a simplistic model but one which gives a much greater degree of flexibility than the Bloomberg MTCS function. Done correctly, it also permits the user to adjust the time lines and severities to ones which they feel comfortable with when evaluating “Credit IO’s”.

Also, by keeping all of the above factors in mind, the user/trader can still perform the analysis in the way that they see fits best for the environment they’re in. They’re not “locked” into a “black box” which they can’t see inside of. There are, of course, much more extensive features that can be built into such a model which are not within the scope of this article.

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Differences Between PB360D and PB360S Job-Site Radios

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I recently bought a Bosch PB360D Power box and this model is similar to the PB360S which is the standard version. I was asked many times what are the differences between the two models. Thus in answering the question, this article will discuss the differences. Well for a start the notation “D” represents the deluxe version of this well known job-site radio from Bosch.

However, I wish to highlight that there are many similarities between the two versions. Both are built to be heavy-duty job-site radios that can withstand the rough working site conditions and still provide a powerful 360 degree clear sound.

However there are differences between the two models which are not obvious and these differences are discussed below.

The most obvious difference is the control panel. In the PB360D, it has a backlit control panel while PB360S has a normal control panel without any backlit. The backlit has a light bluish tone enabling the display details to be seen in low light condition.

The second difference is the deluxe version has a built-in extra SIRIUS Satellite Dock. Thus one can plug in or dock one’s satellite radio and enjoy satellite radio broadcasting in addition to the built-in FM and AM radio.

The third difference is the types of power outlets. The PB360D and PB360S besides being job-site radios are also power boxes. That is one can plug in one’s power tools to the power outlet and runs from there. The power outlet found in PB360D is GFCi types while those in PB360S are the normal ones. The term GFCi stands for ground fault circuit interrupter which is a safety device. However there are no problems powering Bosch power tools with the power outlets of both models.

The final difference between the two models is the availability of a remote control. The deluxe version comes with a remote while the standard version has none. Well having or not having a remote is not a big deal. In my opinion, the remote may be easily lost in work sites as it is easily taken away.

Well the above are the main differences between the two models. Due to these differences, there is a difference in price too. The model PB360S costs about $180 while the deluxe model PB360D costs $100 dollars more. Both models are available and can be ordered online through online stores like Amazon.com.

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Sex Underwater – The Facts About Underwater Sex

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Under water sex sounds hot right? Two almost naked bodies glistening in the summer sun… A flirtatious splish, a friendly splash, your body weightlessly wrapped around his for an intimate kiss and some cheeky under water touching.

It is hot, and it’s definitely easy to get carried away with the motions of the ocean when the touching develops into bona fide bumping and grinding. But before you go grabbing your bikini and your man you may want to consider the following facts regarding your health and under water sex.

SEX IN THE WATER FACTS

1. Water does nothing but wash your natural lubrication away. Making under water sex awkward and uncomfortable.

2. Chlorinated or salt water are not ideal to get inside a woman. It will cause discomfort and irritation in such a sensitive area.

3. Sex underwater is difficult to practice safe sex. Even if you do manage to come prepared with protection, chlorinated or salt water do not mix with condoms.

Basically, if you want to stay healthy, comfortable and also actually enjoy the whole experience, sex in a pool, in the ocean, anal sex under water or basically any form of penetrative sex in the water is better left for dry ground.

SO WHAT IS UNDER WATER SEX GOOD FOR?

Foreplay! And lots of it! So we’re back at the beach, you’re feeling great in your bikini and he’s looking oh so hot in his swimmers. Let your mind get carried away with a little fantasy and enjoy your time together by letting the anticipation build. By not being able to have actual sex underwater (besides the innocent foreplay) you are both going to be crazy randy for it by the time you get back to dry land. Importantly your mind is going to be ready for sex and in turn your body is also going to be well on its way.

SEX IN A POOL

But for those who still want to experiment, you can try oral sex in the water. This is easiest in a spa or on the steps of a pool with you sitting on the edge to avoid chlorine getting in to your vagina. If you’re keen you can even try giving him a blow job under water, still by the safety and relative comfort by the side of the pool.

If you are super eager and are already very comfortable with regular anal sex, you can try for anal sex under water. Although it is possible to experiment with in a pool or spa, you will definitely still need ample amounts of a silicone-based lubricant. And although this lube is condom safe, and water resistant just be mindful that it is likely to cause a bit of a mess, and chlorine and anal sex under water will usually only result in one thing: Ring Sting!

All in all remember that sex in the water equals excellent foreplay. So enjoy your day at the beach or the pool, come out of the water and share a kiss, wrapped together in one big fluffy towel… then race home to your bedroom.

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Do You Really Love Your Job?

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When you are too long in the same workplace, you may have lost your passion for your job. Here are some symptoms which show that you don’t love your job anymore. You may start complaining about your workload. You may even start to “hate’ your employer. There are many things you don’t like about your company, such as company policies, medical benefits, remuneration package, working environment, etc. You may not agree with me. But let’s read on.

Many people say that they love their jobs, but sometimes they don’t show it. They don’t show their commitment and they don’t take accountability. For those fresh graduates, at the initial stage, they could not do enough for their jobs. They might strive hard to achieve their employers’ expectations. However, when they have reached certain level, they start to take their jobs for granted. They just treat their jobs as a “vehicle” for them to generate income.

In common, most of the working adults go through this process. When they were courting their jobs, they talked all things nice about what they were doing and they promised their commitment to it. However, when the duration is too long, they have nothing but they keep complaining about their jobs. They even threaten their bosses to leave their jobs! Some of them make resignation as a tool to request for salary increment.

They don’t realize that their jobs can work wonders. They don’t know that their jobs can change their entire life. In fact, their jobs provide great satisfaction in their life but they are not aware of it. May be when their jobs have gone, then only they will start appreciating their work. They have forgotten that their jobs are responsible for the food on their table, the clothes they wear and for the welfare of their home sweet home.

Having positive mindset from time to time is important no matter how many years you are in the workplace. Even we are from different industries and different lines, we need to cherish our jobs. We get paid by our employers every month for our services. Hence, we need to provide the best to our organizations. Our contribution is essential in assisting the organizations to achieve great success. In return, we are rewarded. We gain financial stability.

I hope you will always remember this statement. “Take good care of your job and it will take good care of you”.

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Using Employment Sites in Your Job Search

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Employment Site Job Search Resources

Employment web sites have been the greatest advance in the field of recruiting

since the creation of the resume. Since their first appearance on the World Wide

Web, job boards and career portals have connected more organizations to more

talent more efficiently than any other single medium in existence. Both employers

and recruiters now consider these sites a critical component of their sourcing and

recruiting strategy. Today, job boards and career portals serve virtually every

profession, craft and trade, in every industry, in every country of the world.

Employment Site Services & Features

Access to employment opportunities and job postings in your hometown and around

the world.

Private, automated notification by e-mail or RSS/XML of job openings that match

your employment objective.

Information about effective job search techniques.

Resources for a successful job search, such as resume writing assistance,

interviewing advice, salary and compensation information.

Links to additional job search and career management resources at other

sites.

Skills for effective career self-management.

Resume databases to announce your availability to potential employers and

recruiters

Selecting Employment Sites

With so many career related sites to choose from you really must find a way to

narrow your focus. Most people check out the big Employment Super Sites, like

Monster, Hot Jobs and CareerBuilder. But, they are not the only, or even always

the best, place to look. Smaller, more focused sites can often be much more useful

to you.

Specialized Industry or Occupation Employment Sites

These specialized sites focus on a specific niche, usually an industry,

profession, or a combination of both. These sites are highly targeted toward

the professionals of the specific industry it serves. The specialization means

the site is smaller, fewer jobs and fewer resumes and less competition for

the posted jobs.

Some employers will only use these sites because they are usually less

expensive than the Super Sites and their job postings don’t get lost in the

postings from other companies.

Regional and Local Employment Sites

There are also local and regional job sites that can be effective in finding a

job in a specific location. Again, many of these sites include listings from

local employers who may not be inclined to post on the major jobs sites.

These sites focus on a specific geographic area, usually a city or state.

The upside on these is that the jobs should be located where you

want to work. The downside is that there may not be thousands of jobs listed.

Local and regional employers don’t always post on the major jobs sites

like Monster or Hot Jobs. Instead, they will advertise on their local employment

site to avoid being overwhelmed with applicants and, often, because they

are not interested in paying relocation costs.

Visiting a Super Site such as Monster and using the location filter, for example,

Dallas, Texas will not result in the same results you get from using TexasJobs

and using Dallas as your search criteria. Even if you are conducting a national

job search it is worth visiting the regional and local sites.

Tips for Your Job Search

Most online job seekers concentrate all their efforts on the large,

well known commercial job search sites. The smaller specialized or regional

sites are often underutilized because they are difficult to find using traditional

search engines and they don’t spend millions on advertising. Since these smaller

sites are underutilized, the sophisticated manager, professional or executive job

seeker will take full advantage of these specialized resources.

Use the Job Search Site Directory(s) to locate all of the sites that could be

useful in your job search. Concentrate your efforts on locating the sites

specific to your industry, occupation and target location. Don’t focus on

the large job sites. Investigate the jobs and resources available on the specialized sites for

immediate use or for future reference.

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Technician Etiquette

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Have you ever arrived at a job to make a repair, only to have the customer rant and rave for 15 minutes about the last technician or company that was there, and how they screwed the system all up? Who hasn’t, right?

So what do you do? LISTEN. That’s all they want, someone to listen to them. Let them vent, and get it off of their chest. When they pause for breath, they’re usually done. Don’t disagree or argue with them, or you will give them another shot of adrenaline, and off they go again. You will always lose in an argument with your customer, no matter who is right.

If they are bad-mouthing another company, don’t agree with them either. You are not there to pass judgment on anyone else. If you talk down about another company, the customer will think badly of you, too.

I know, you’re just there to get the job done, and move on to the next one. But half of your job, as a service tech, is PR work. You are the person that the customer deals with on a face-to-face basis. When he/she talks to anyone in your company on the phone, it’s your face they see in their mind.

You are not there to blame others. You are not there to accept blame for the problem, either. However, it is okay to apologize for the problem. “Wow, sir, I’m really sorry this happened to you.” You’re not admitting that it’s your fault, but you are showing that you care that this happened to him. Your next line to say is, “Let me see what I can do to take care of this for you”. Now, he feels that you are on his side, and will probably leave you alone to do what you have to do.

Don’t be afraid to admit when you’re in over your head, either. Your customer will understand and appreciate your service more if you say to him, “This is a little beyond me, but I’m calling (another tech/my supervisor/tech support), and we’ll do what we can to get this fixed”. If you don’t know the answer, at least know where to turn for it. That’s what will make you a good tech. And, don’t ever say, “That’s not my job”. You’ve just slammed a door in the customer’s face. Prepare for tongue-lashing number 2. A better answer would be: “That is usually handled by our (Billing/Service/Sales) department. Would you like me to (get them on the phone/give you the number/let them know)?”

Always be honest with your customer. It’s a lot easier to remember the truth, than it is to remember which lie you told to which customer the last time you were here.

I’ve always treated my customers as I would treat a friend. This doesn’t always work, though. Sometimes, it’s obvious that the customer doesn’t want another friend; they want a professional to take care of the repairs. You’ll just have to play it by ear.

Remember, if you don’t present yourself to the customer as a professional, they will:

  1. Wonder if you will be able to serve their needs.
  2. Tend to ignore any advice you offer.
  3. Pretty much give you a hard time, all the way around.
  4. Include your company’s name in their next tirade.

Don’t be part of the problem. Be part of the solution. The customer will remember that the next time he needs service. P.S. Probably the best thing I’ve ever heard upon arriving at a job is, “Oh, thank God you’re here. I know it’ll get fixed this time.” (Ouch. I think I just broke my arm!)

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Things You Need to Know If You Are Charged With a Crime in Texas

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Every criminal case begins with an investigation. Law enforcement officers investigate an alleged crime and make a report. This report might be very brief or it might be detailed. One officer might make one report or many officers might write many reports. Regardless, at some point these reports are assembled into a file which is sent to the District Attorney’s office possible legal action.

What Happens Now?

Someone might be arrested very quickly, but from that point on the process can be very slow. In Texas, in a misdemeanor case (one with a maximum jail sentence of one year) the District Attorney’s office decides whether or not to proceed with a criminal charge. The D.A.’s office proceeds by filing what is known as a “complaint”. In a felony case (one with a possibility of more than a year of confinement) the case must go to a “Grand Jury” which is a group of citizens who determine whether or not there is enough evidence to go forward (there almost always is).

If you are charged with a crime, realize that it is very likely that your case might drag on for a very long time. The only way for a criminal case to end quickly is with some sort of agreement. Sometimes that is with a very good deal for the defense or with the defense quickly admitting fault. Make sure you work closely with your attorney and are aware of the effects of taking or rejecting a plea offer.

Guilty, Not Guilty and Plea Bargains

At some point in a criminal case the prosecutor will make an offer to settle the case. Typically this involves some sort of a plea deal, but there are a large number of possibilities. Your attorney should be able and willing to explain the pros and cons to any offer.

At some point you will need to enter your plea. In the vast majority of cases there are three options. Guilty, Not Guilty or Nolo Contendere (No Contest). Guilty is fairly obvious, when someone pleads Guilty they are admitting that they did it. Typically, this is the result of some sort of a plea bargain.

Not Guilty means that the defendant is saying that they did not do it. In this case a jury will decide whether or not the prosecutor has proven their case beyond a reasonable doubt.

Nolo Contendere (No Contest) means that you are not saying you did it, and you are not saying you didn’t do it… you are just saying you aren’t going to fight it. There are slight differences between pleading Guilty and Nolo Contendere, but ultimately, if you plead Nolo Contendere the judge will treat it the same as a Guilty plea.

If you don’t come to an agreement with the prosecutor, it is not unusual to wait over a year to get your trial. Ask your attorney what kind of timetable your particular court has to avoid any unpleasant surprises.

You Need to Shut Up

Sorry to be so blunt, but the phrase, “Take advantage of your Fifth Amendment right to remain silent” doesn’t seem to sink in. Even a fish wouldn’t get caught if it just kept its mouth shut.

Fight the urge to talk your way out of trouble. You won’t. If you are a suspect in a criminal case and the police want to talk to you, you can only make things worse by giving a statement.

The reason for this is that when an officer asks you to give “your side” of the story, one of only two possible situations exist. The first possibility is that the officer(s) believe that they have enough evidence to arrest you even if you don’t say anything. The second possibility is that they don’t feel as if they have enough evidence to arrest you.

If the police believe there is enough evidence to arrest you then they will bring you down to give “Your side of the story”, after which they will arrest you. The purpose of having you give “Your side of the story” before they arrest you is so you commit yourself to your story before you have a chance to think or get a lawyer. Good officers also know that the more you talk the more likely you are to say something your prosecutor can use against you.

Often, officers will ask for your statement even if they don’t feel they have enough evidence to arrest you already. They will give you every opportunity to incriminate yourself. It is amazing how many people do.

When I ask my clients, “Why did you give a statement?” the most common answer is, “I did because I didn’t want to look dishonest.” The law in Texas is clear. IF YOU ASK TO REMAIN SILENT, THE JURY WILL NOT SEE OR HEAR THE REQUEST. Also, IF YOU ASK FOR A LAWYER, THE JURY WILL NOT SEE OR HEAR THE REQUEST.

When the prosecutor looks at the video, the prosecutor will not think, “Hey! That guy’s dishonest!” The prosecutor will think, “Hmm… that’s one piece of evidence I don’t have.”

When a policeman, attorney or judge is being investigated the first thing they always do is shut up. The second thing is ask for their lawyer. There is a reason for that.

The bottom line is, you don’t know the law. I have NEVER, EVER, EVER had a client that was glad that they went to the police to “clear things up”. What people think is a “defense” or, even worse, “explanation” is often a confession. Shut up and discuss your case with your lawyer.

Don’t Give Your Permission

For anything. Don’t give permission to search your car. Don’t give permission to search your house. Don’t give permission to look in your trunk. Don’t give permission to look in your pockets.

Tell the police officers that you won’t give permission for anything without speaking with your lawyer. If you give “your consent” to something your lawyer typically can’t complain about it later. If you give your consent to search your house, for example, your lawyer can’t complain that the police had no right to be there, or that the warrant was defective, etc…

The law regarding searches and seizures is amazingly complicated. It is also changing constantly. Even I regularly have to look up the law to see how it has changed or how it could, would or should be applied in a particular situation.

If you give your consent to anything, it is usually impossible for your lawyer to challenge the validity of it later. Police officers have to make legal judgments in a snap. It is hard job and mistakes are inevitable. Just because they say that they could get a warrant (for example) doesn’t mean that they can (or will).

Officers love when suspects give consent. It usually means that they won’t have to worry about the evidence they find being thrown out of court for legal reasons.

Don’t Believe the Police

Would it surprise you to learn that the police lie? Doesn’t seem right, does it? Aren’t police supposed to be completely honest?

Lying is a completely proper investigative technique. We want our officers to be able to lie. Every undercover detective has to tell many lies and exercise deception.

Good police officers use deception in many different ways. Telling a suspect that they have DNA when they don’t in order to get a confession is very good police work. It is also good police work to make a suspect feel comfortable and believed while the suspect is giving a statement.

Officers don’t have to tell you that they are officers. A good officer would never lie in court, but a good officer will lie during an investigation in order to get information or evidence.

Deception is a valid law enforcement tool.

Take Care when Choosing a Lawyer

Facing criminal charges is a turning point in a person’s life. What happens during a person’s criminal case will affect them for the rest of their lives. Internet background searches are getting cheaper and cheaper and a person’s criminal history will determine whether or not they get a job, mortgage, etc.. Picking a defense attorney is a bigger decision than it has ever been, and it has always been huge.

There are many factors to consider when picking an attorney. Whether or not your lawyer is a former prosecutor is a huge consideration. Another important consideration is whether or not your lawyer is a trial attorney. Also, listen to your instincts when choosing a defense attorney.

It is very difficult to defend or tear into a criminal case if you don’t know how to build one. Only a prosecutor or a former prosecutor knows in detail how to build a criminal case. Only a prosecutor or a former prosecutor knows in detail what sort of evidentiary and practical problems a prosecutor faces on a regular basis.

When lawyers are accused of crimes, they usually pick a former prosecutor to defend them.

Be very aware of whether or not your attorney is an actual trial attorney. Some defense attorneys never go to trial. Most defense attorneys rarely go to trial. Only a select few defense lawyers actually try cases on a regular basis. Prosecutors know which attorneys are willing to fight them and which attorneys will eventually take whatever deal they are offered.

Make sure you know whether or not your attorney actually tries cases.

Another very important consideration is whether or not you feel comfortable with your lawyer. If you are putting your life in someone’s hands, you have the right to feel comfortable with them. Trust yourself to know which lawyer is the right fit for you. You will have to work very closely with them.

This Guide is Only the Beginning

When I meet with a new client, I typically take a long time to answer their questions. Their lives are on the line and if I was in their position, I would have a million questions about what is going on. It is your lawyer’s job to make certain you understand exactly what is going on with your criminal case.

There is no way that this guide could have answered all of your questions. Hopefully, this guide has given you something to think about regarding your criminal case. Please feel free to use this guide as a beginning point to conversations with your lawyer.

Do not base any decision you make based solely on this guide. Use your attorney to understand exactly what is going on in your particular case. Your case is unique and you need to rely on your lawyer to help you decide what is right for you, in your own defense.

Common Crimes and Penalties in Texas

In Texas, the legislature has divided up criminal offenses based on the crime’s severity. Crimes that the legislature believes to be more serious have higher minimum punishments and/or maximum punishments. In most cases, probation is possible instead of incarceration, but that will depend on the very specific factors of any particular case. These rules are full of exceptions and it is important to ask your lawyer how the particular facts of your case may affect your potential punishment. It is important that you know that information.

The least severe “crimes” are class “C” misdemeanors. They are punishable with no jail time and up to a $500 fine. The majority of traffic tickets fall into this category. Examples include Public Intoxication, Driving Under the Influence (NOT THE SAME AS DRIVING WHILE INTOXICATED) and most Thefts under $50.

Class “B” misdemeanors are punishable by up to a $2000 fine and up to 6 months in jail. Driving While Intoxicated (First Offense), Most Thefts between $50 and $500, Possession of Marijuana (less than 2 ounces) and Driving While License Invalid are in this punishment range.

Class “A” misdemeanors are punishable by up to a $4000 fine and up to a year in jail. Crimes of this class include Driving While Intoxicated (Second Offense), Most thefts between $500 and $1500, Possession of Marijuana (2 to 4 ounces) and Assault causing bodily injury.

“State Jail” Felonies have a punishment range from 6 months to 2 years behind bars. It is very important to be aware that anyone doing time for a state jail felony will not get any “good time” credit. Someone sentenced to a year in state jail will spend every day for a year incarcerated. These crimes include Possession of Cocaine (less than 1 gram), Possession of Marijuana (4 ounces to 5 pounds), and Thefts between $1500 and $20,000.

Common Terms During a Criminal Case

Don’t be afraid to stop and ask your attorney what something means if you don’t understand it. Criminal lawyers and judges use some words so often that they don’t realize that not everyone speaks lawyer.

1244

When a person refers to a “1244” they are referring to a section of the Texas Code of Criminal Procedure which allows for misdemeanor punishment for certain felony offenses. Typically, these offers need to be negotiated for with the D.A. “My cellmate told me to file a ‘1244’ motion”.

2 for 1, 3 for 1, etc.

This typically refers to a particular type of plea deal where certain cases are dismissed in exchange for a Guilty or No Contest plea on a case or cases. Typically, the first number refers to the number of cases pleaded guilty to and the second number is the cases being dismissed.”The Prosecutor is offering us a 3 for 2, but we can’t choose which two.”

Appeal

The formal process of getting a case overturned after conviction. “It is better to avoid an appeal than to win one.”

Burden

The legal obligation to prove a case. “In a criminal case the state has the burden to prove their case beyond a reasonable doubt. The defense does not have to prove anything.”

Community Supervision

The generic term for both Probation and Deferred Adjudication. “After pleading Guilty, he had to go to the Community Supervision office.”

Crawford Issue

A “Crawford Issue” refers to the Supreme Court case of Crawford v. Washington, which greatly limited the types of evidence that could come in against a criminal defendant. It typically comes up in the context of a hearsay statement, but must be objected to separately to preserve the issue for appeal. “Harry’s case would have been overturned on appeal, but his lawyer did not make a ‘Crawford’ objection.”

Deferred Adjudication

Deferred Adjudication is a special type of probation or community supervision. While on Deferred Adjudication a person will be treated exactly the same as if they were on probation. The major difference is that after completing the term of Deferred Adjudication, the charges are dismissed. Another difference is that if Deferred Adjudication is revoked, the judge has available the full range of incarceration available. “Tom was given deferred adjudication, but he messed up and the judge sentenced him to the full 20 years in prison.”

Dismissal

Formal removal of a charge pending against someone. “Jimmy was happy. He had all of his charges dismissed.”

Felony

Serious crime punishable by over a year incarceration. “Wendy had faced misdemeanor charges before, but this was her first felony.”

Hearsay

The general rule that a person can not testify to what another person said. There are many exceptions and usually hearsay can come in. An important exception applies to a criminal defendant based on the Supreme Court case, “Crawford v. Washington”. Even though Crawford is technically not a “hearsay” objection, they typically come up together.

Jail

Holding cells for less serious offenders and those awaiting trial. “Even though jail is not prison, it still isn’t fun.”

Misdemeanor

A crime where the maximum punishment is no greater than one year in jail. Misdemeanor cases are heard in County Courts. “Doug was on probation for a misdemeanor charge when he ‘picked up’ his felony.”

Motion

Method in which a defense attorney (or prosecutor) asks for something from the judge. “Janice’s lawyer filed a Motion to Suppress in order to keep out certain evidence.”

No Contest (Nolo Contendere)

A plea that states that even though you are not saying you actually did it, you are agreeing to be found Guilty by a judge. “When Pat pled No Contest, it had the same effect as a guilty plea.”

Objection

An objection is the formal means to put disagreement with what is occurring/has occurred on the record. If a defense attorney doesn not object at the right moment, the defendant often gives up his right to complain later. “The testimony against Brutus shouldn’t have come into evidence, but the defense attorney did not object.”

Plea

The declaration of a defendant (Usually Guilty, Not Guilty or No Contest) as to their guilt, or lack thereof. “Bob pled Not Guilty and has always said he didn’t do it.”

Plea Agreement or “Bargain”

Typically, an agreement between the prosecutor and defense as to the punishment a defendant will receive if he pleads Guilty or No Contest. “Shirley was going to go to trial, but when the Prosecutor offered her Deferred Adjudication, she changed her mind.”

Picked Up

Slang for having charges filed against a person. “Ernest was on parole when he picked up the Assault charge.”

Preserving Error

When a defense attorney makes a proper objection in a proper form it is said to be “Preserving Error”. “After winning his appeal, Oscar was happy his attorney preserved error at his trial.”

Prison

In Texas, where serious criminals go for years. “Robert was not surprised when the judge gave him 20 years in prison.”

Probation

A person on probation is watched very closely by the government as an alternative to incarceration. Conditions must be followed and if the judge believes a condition of probation is violated the judge can send the probationer to jail or prison. “Maxine has happy to get probation. She thought she was going to prison.”

Reduction

Type of plea deal where the defendant pleads Guilty or No Contest to a less serious charge. “Neil was not going to plea Guilty, but when the prosecutor offered a reduction from Aggravated Assault with a Deadly Weapon to Simple Assault, he agreed to a plea bargain.”

State Jail

An intermediate correctional facility between jail and prison. “If you get sentenced to State Jail, you don’t get good time credit.”

State Jail Felony

In Texas, a felony punishable by 6 months to 2 years in a specifically designated “State Jail Facility”. Prisoners sent to State Jail Facilities receive no good time credit. “Even though Nancy was sentenced to less time than Julie, Nancy was behind bars longer, because she committed a State Jail Felony.”

Suppress

To keep evidence out of a trial. “The judge suppressed the evidence found in the trunk, because the stop was illegal.”

Verdict

Decision in a case. “It took the jury 20 hours to return with a ‘Not Guilty’ verdict.”

Voir Dire

The process of jury selection. “After the court finished the voir dire, a jury was seated.”

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Quality Education Vs Accreditation

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Education:

“The act or process of educating or being educated; the knowledge or skill obtained or developed by a learning process!”

Inquiries into furthering my educational aspirations were made to various colleges within my immediate environmental area. Several of the schools contacted required placement exams that I did not challenge, as I am adept and very capable of dealing with college examinations. The thing that got to me was the disparaging remarks from some college recruiters regarding their standards for education as opposed to another college. One of the schools that I’ve attended is a two-year degree school while the other is as well. They hold real estate in the same zip code and competed for students in the same local. They both educated local students as well as out of state and students from other countries and nations.

One school considered itself superior to the other by reason of accreditation. The school that was described as inferior did not have middle states accreditation. The school was described as below standard by the other. The so-called superior school is lead and operated by a non-HBCU affiliation while the other happened to be lead and operated by an African American staff. The self-described superior school has made plans, designs, and did bid for the take-over of the African American school. Albeit, the self-described superior school admits that it does not and will not accept credentials from the so-called inferior school. I have attended both of these institutions and received very good instruction from its teachers as well. While the lessons learned were an invaluable source of information, the education that I received from personal academic research (self-taught) has enhanced my knowledge base. Money was not a factor in my personal research, study, and/or practicum. I would add, the knowledge and information that was derived from the HBCU School proved to be equally rewarding as the other if not better!

Personally, I would say that I received more educational value at the HBCU (Historical Black Colleges and Universities) as opposed to the other collegiate institution. Albeit, they both required money.

When students visit college campuses they are encouraged to become a student at that particular school. The tour guides’ show all of the amenities and accolades that are offered in order to get you enrolled…and to gain your tuition monies. But what about the quality of education offered by the particular schools? The majority of the colleges will often quote their accreditation as compared to another school of choice. What has accreditation to do with a good and valuable quality education? Money! And the ability to make money! Education does not and should not require money! 

In 1899 Dr. Matthew Anderson, an outstanding community leader, and his wife Caroline Still Anderson founded Berean Manual and Industrial School. Dr. Anderson was a pivotal influence in the religious, business, and educational history of Philadelphia. Dr. Anderson also founded the Berean Presbyterian Church and the Berean Savings Fund Society.

Caroline Still is the daughter of the great William Still, a Philadelphia Abolitionist and member of the Underground Railroad.

Mr. William Still (a self-educated man), one of seventeen children, was born in Burlington County in 1821. His father escaped slavery from Maryland to New Jersey and later was followed by his wife and children. William Still left New Jersey for Philadelphia in 1844. Three years later he was appointed secretary of the Pennsylvania Abolition Society.

“When Brother William Still was 23, he left the family farm in New Jersey for Philadelphia, to seek his fortune. He arrived, friendless with only five dollars in his possession. Mr. Still taught himself to read and write. In fact, so well, that in three years he was able to gain and hold the position of secretary in the Pennsylvania Abolition Society. Brother Still provided the all-white society with his views on how to aid fugitive slaves. After all, he had been one himself. He was such an asset to the group, that he was elected chairman in 1851. Still held the position for the next ten years. He also became chairman of the Vigilance Committee in 1852. Still was the first black man to join the society and was able to provide first-hand experience of what it was like to be a slave.”

“Mr. Still established a profitable coal business in Philadelphia. His house was used as one of the stations on the Underground Railroad. Brother Still interviewed escaped fugitives and kept careful records of each so that their family and friends might locate them. According to his records, Still helped 649 slaves receive their freedom. The number is compounded with the number of slaves saved by Sister Harriet Tubman and the Underground Railroad.”

“William Still, a self-educated man, began his campaign to end racial discrimination on Philadelphia streetcars. He wrote an account of this campaign in Struggle for the Civil Rights of the Coloured People of Philadelphia in the City Railway Cars (1867). He followed this with The Underground Railroad (1872) and Voting and Laboring (1874).”

“William Still, a self-educated man, established an orphanage for the children of African-American soldiers and sailors. Other charitable work included the founding of a Mission Sabbath School and working with the Young Men’s Christian Association. William Still died in Philadelphia on 14th July, 1902.”

The Concise History of Berean Institute:

“In 1904 Berean Institute of Philadelphia Pennsylvania qualified for state aid and received a grant of $10,000. Over the years, state aid has enabled the school to expand its services and diversify its programs of study. Funds from the Commonwealth of Pennsylvania now provide a significant portion of the total operating budget. Berean Institute embarked on a program of expansion under the dynamic leadership of the late Dr. William H. Gray, Jr., who utilized the support of many influential citizens of Pennsylvania including the former Governor Milton J. Shapp. Dr. Gray served as Chairman of the Berean Board of Trustees. Under Dr. Gray’s leadership Berean Manual and Industrial School began operating as Berean Institute. He also had Berean Institute’s current building constructed in 1973.”

“Mrs. Lucille P. Blondin, who served the school for forty-five years, became Berean Institute’s first President. Mrs. Blondin retired in June 1993. Dr. Norman K. Spencer was appointed to serve as the second President and Chief Executive Officer. Under Dr. Spencer’s leadership, contracted programs funded by the City and Commonwealth agencies as well as community outreach projects have been added. Hon. John Braxton, former Judge, Court of Common Pleas heads a list of distinguished Board of Trustees members.”

“Berean Institute enrolled students in full and part-time programs. Most of the students are residents of the Commonwealth and live in Philadelphia. Other students have come from Central and South America, China, India, Puerto Rico, Tonga, Liberia, Sierra Leone, Nigeria, Tanzania, the Dominican Republic, England, Cambodia, Viet Nam and states along the eastern seaboard of the United States.”

“A number of students come to learn a marketable skill and their Berean training fulfills their current educational aspirations. Many others regard the school as a stepping-stone to further education. Berean has many graduates who have gone on to earn four-year college degrees and others who have completed graduate studies at some of the area’s outstanding institutions of higher learning.”

The Commonwealth of Pennsylvania’s Department of Education granted Berean Institute approval to award the Associate in Specialized Technology Degree on September 15, 1976, and the Associate in Specialized Business Degree on December 27, 1976.

Again, education is:

“The act or process of imparting or acquiring general knowledge, developing the powers of reasoning and judgment, and generally of preparing oneself or others intellectually for mature life; the act or process of imparting or acquiring particular knowledge or skills, as for a profession; a degree, level, or kind of schooling: a university education; .the result produced by instruction, training, or study: to show one’s education; the science or art of teaching; pedagogics.”

A definition of education: ‘The act or process of educating or being educated; the knowledge or skill obtained or developed by a learning process; a program of instruction of a specified kind or level: driver education; a college education; the field of study that is concerned with the pedagogy of teaching and learning; an instructive or enlightening experience:

Dictionary.com Unabridged

Based on the Random House Dictionary, © Random House, Inc. 2009

So why does another school rate it’s accreditation over and above that of another? Money! Many colleges and universities rate its’ educational values based on the amount of money in its’ coffers as well as the amount of money that they can amass!  Another tool to increase superiority in the education business is to attain and maintain accreditation and as many acquisitions as possible.

Several opinions suggest education achieved through these venues is designed to prepare people/students for the job market as opposed to being prepared for life skills. The skills required to carry ones posterity and their descendants that follow into prosperous futures.

Is it fair to assess the stature of a collegiate institution above any other based on the amount of money that is needed to be spent or the amount of education that is achieved? Ivy league institutions turn out many students who are not prepared for the challenges of life…but many of them are rich and have spent thousands of dollars to attend those schools as well as graduating from them. On the other hand, many poor people that are lucky enough to qualify for grants, loans, scholarships, etc., are better prepared to face the challenges set before them (so it seems).

Many poor and working poor students seem to value the collegiate level education as if their life depended upon it, so they tend to work a bit harder to achieve the degree status. The document can be deemed worthless when the graduate cannot find the desired job for which he/she has studied. It is even worse when the graduated student finds that they are worse off than when they started college. They are now burdened with school loan debt plus the debts that they have had to meet before attending college. Working at McDonalds and the like, seem to be the only job that is attainable for many of them. The competition is fierce. These students are for the most part, grouped in with many applicants that are not college educated and many do not have high school diplomas as well! The knowledge attained is not considered or tested by many of these employers. Kiosk type pictures on a cash-register computer is what they have to work with. Is this not insulting to a student who has studied computer science, read and write computer programs and its languages, as well as other academics of study? 

Why is it that many non-ivy league students find themselves out of work? Why is it that many of them find that they are the first to lose their employment positions compared to their ivy-league colleagues? Why is it that many inner-city college educated graduates find themselves less likely to be selected as team-leaders than their counter part ivy-leaguers? Many employers advertise their openings with statements that don’t require a college level education. They ask that candidates simply have a high school level education. College educated candidates apply to those openings and find themselves scrutinized out of the running, i.e., background checks, credit checks, criminal histories, schooling activities, etc. Why is it college educated candidates find that not only do they have to compete with ivy-leaguers, they have to compete with high school educated folks as well. What is the sense in enduring hours, years, and other sacrifices to attain the coveted two and/or four-year college level degree when you’re not going to qualify for the job anyway? 

The notion of accreditation, money, and notable stature should not be the basis of choosing the collegiate route to education. Education should be based on ones ability to achieve, retain, and utilize education. The achievement of education begins in the home (as well as anyone who desires it). It begins with the Childs’ upbringing and the stressed importance placed by the parent and/or guardian. Should the child be highly scholastic in abilities that enable him/her to be described as intellectually talented above average, that student deserves free college education. While the rest of us who are collegiate material may well have to pay for our higher education. Mind you, my argument is based on the ability to access education without having to spend money…teachers need to earn a living, schools need to pay the costs of operating and maintaining buildings and staff. So the money has to come from somewhere. Albeit, the aforementioned disparages between different colleges should cease the practice of who’s a better institution of higher learning. Is it the responsibility of educated people to enlighten people who are not?

While many may not be aware, education is achievable without attending so-called accredited and/or less accredited schools, of higher learning…start with the libraries in your homes as well as the public facilities, news papers, magazines, shared information, and articles. Why is the education attained by others kept to a level of secrecy that one should have to pay for it?

Attained and acquired education is the responsibility of the educational pursuer…the burden is placed solely on the student not the educational pursued. I’m not advocating that one can become a doctor, architect, or a lawyer by simply reading text…there is a difference between education and training.

Education is yours to achieve and it can be free.

Acknowledgements:

Dictionary.com

Biography of William Still

Biography of the Berean Institute

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