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The infrastructure finance gap has long-standing implications for economic and social development. Owing to low efficiency, high transaction costs, and long transaction time, conventional infrastructure financing instruments are considered to be major contributors to the increasing mismatch between the need for infrastructure development and available financing.

Implemented through smart contracts, Blockchain & Tokenization has shown characteristics that are poised to change the capital stack of infrastructure investment. This study analyzed the first SEC-compliant energy asset security token, Ziyen-Coin, from the perspective of the key participants, relevant regulations, and token offering procedures.

Results show that tokenization can improve infrastructure assets liquidity, transaction efficiency, and transparency across intermediaries. Conventional infrastructure financing instruments were compared with blockchain tokenization by reviewing the literature on infrastructure finance. The benefits and barriers of tokenizing infrastructure assets were thoroughly discussed to devise ways of improving infrastructure financing.

The study also found that the potential of tokenization has not yet been fully realized because of the limited technical infrastructures, regulation uncertainties, volatilities in the token market, and absence of the public sector. This study contributes to the present understanding of how blockchain technology can be implemented in infrastructure finance and the role of tokenization in the structure of public–private partnership and project finance.

For more details checkout also here :- https://link.springer.com/article/10.1007/s42524-020-0140-2

If you are a company or an individual and want to hire a good fraud lawyer to handle your case, you need to be prepared to put in energy to complete the task. Today's market is flooded with several experts who claim to be excellent Government Fraud Lawyer. However, it is not easy to determine the face of the crowd, especially when there is a thin line that distinguish goods from ugliness. From checking the qualifications of the lawyer to clarifying the terms of the contract, if you plan to avoid regrets in the future, you need to understand every detail clearly. Although there is no foolproof guide to ensure you choose the right fraud lawyer, we can provide you with some suggestions.

Do basic research

Finding a lawyer who can handle fraud cases is not an easy task, especially in today's era of powerful Internet capabilities. Just enter keywords on your local search engine and you will have a huge list to solve. However, you do not have to select a name in the list. Instead, spend time analyzing different options. Start with basic background research to understand the abilities of each candidate, and then contact any of them. This will help you understand more accurately the types of lawyers who can help you.

Clarify the costs involved

Lawyers dealing with fraud cases will not provide services for free! Normally, every lawyer will take the first step in clarifying the costs involved. Nonetheless, there is no harm in clarifying the lawyer's amount and responsibilities before signing the contract from start to finish.

Check credentials

Hiring novices to handle complex fraud cases is never a worthwhile investment. Therefore, please check the qualifications of a lawyer before deciding to hire a lawyer. Most lawyers will proudly showcase their achievements in their offices and websites. All you need to do is verify these statements and you will get the answers you need.

Handling of previous cases

In his or her previous cases, the function of the Government Fraud Lawyer has been clearly emphasized. Therefore, a list of such cases successfully handled by the relevant lawyers is requested. If possible, insists on talking to a few customers to get better ideas.

Reviewing lawyers based on these factors can help you choose the right person. However, this is a time-consuming process. Finally, once you have hired a good fraud lawyer, please share all relevant information at the beginning of the case to avoid unnecessary confusion at a later stage.

For more consult a Government Fraud Lawyer here :- https://kaiserfirm.com/geoffrey-r-kaiser/

Learn to separate microchipping facts from fiction! Diane Stevenett, Co-Author of the International Award Winning Book

Having a microchip implanted will hurt my pet.

FICTION:

No anesthetic is required for a microchip implant. The procedure is performed at your veterinarian’s office and is simple and similar to administering a vaccine or a routine shot.

The microchip comes preloaded in a sterile applicator and is injected under the loose skin between the shoulder blades. The process takes only a few seconds, and your pet will not react any more than he would to a vaccination.

FACT:

Pet microchips work like global positioning devices (GPS) and tell me my pet’s location.

FICTION:

Pet microchips are not tracking devices. They are radio-frequency identification (RFID) implants that provide permanent ID for your pet.

Because they use RFID technology, microchips do not require a power source like a GPS. When a microchip scanner is passed over the pet, the microchip gets enough power from the scanner to transmit the microchip’s ID number. Since there’s no battery and no moving parts, there’s nothing to keep charged, wear out, or replace. The microchip will last your pet’s lifetime.

FACT:

My pet wears a collar with tags, so he doesn’t need a microchip.

FICTION:

All pets should wear collar tags imprinted with their name and the phone number of their owner, but only a microchip provides permanent ID that cannot fall off, be removed, or become impossible to read.

FACT:

Microchips are expensive.

FICTION:

The average cost to have a microchip implanted by a veterinarian is around $45, which is a one–time fee and often includes registration in a pet recovery database.

If your pet was adopted from a shelter or purchased from a breeder, your pet may already have a microchip. Consult your pet adoption paperwork, or have your pet scanned for a microchip at your next vet visit to reveal the unique microchip ID number and register it.

FACT:

Only dogs, not cats, need to be microchipped.

FICTION:

Both cats and dogs need to be microchipped.

Cats often do not wear collars, and may not have any other form of ID. A recent study showed that less than 2% of cats without microchips were returned home. However, if a cat is microchipped, the return-to-owner rate is 20 times higher than if the cat was not microchipped.

FACT:

My contact information is contained in the chip, and anyone with a scanner can access it.

FICTION:

Microchips carry only a unique identification number.

If your pet gets lost and is taken to a vet clinic or animal shelter, your pet will be scanned for a microchip to reveal his unique ID number. That number will be called into the pet recovery service, and you will be contacted using the contact information on file with your pet’s microchip.

**It is vital to keep your contact information up to date so that you can be reached.

FACT:

FICTION:

I need to microchip my pet more than once.

A microchip will normally last the lifetime of your pet because it is composed of biocompatible materials that will not degenerate over time.

The HomeAgain® microchip has the Bio-Bond™ patented anti–migration feature to help ensure the chip stays where it’s implanted. Also, since microchips require no power source and have no moving parts, there’s nothing that can wear out and need to be replaced. Pet owners can also check to make sure their pet’s microchip is still working by asking a vet to scan it during their pet’s next checkup.

FACT:

Having a microchip gives a pet the best protection if he gets lost.

FICTION:

A microchip is only the first step! You must register your pet’s microchip to give your pet the best protection.

Register your pet’s microchip in a national pet recovery database such as HomeAgain with your contact information, so you can be contacted when your lost pet is found. Also, remember to keep your contact information up to date whenever you move or change phone numbers.

RUN RUN RUNAWAY

Harley is a rescue dog and only one-year-old. When I got him they told me he was a runner, but I did not heed their warning. The first time Harley escaped, he ran to a nice lady’s house and went right in. She took him to a local vet who scanned him and called me and I was very happy to have him back. Well, two months later, while I was cutting the grass, I accidentally left the gate open and Harley took off again. I felt so silly for leaving the gate open and immediately ran after Harley, searching the entire neighborhood for him. I drove all around the second day and continually walked to the street to see if he could have been hit by a car. On the third day I went to the animal shelter to see if they picked him up, but he was not there. When I got home, I received a call from the Atlantis Fl. Police Department. A very nice officer’s mother had found Harley and called her son who was able to scan Harley’s microchip and trace him back to me as the pet parent. If not for Harley’s HomeAgain chip, I would not have my furbaby back today. Needless to say, I was a very happy man and thankful for the officer and for Harley’s chip and HomeAgain. Thank you HomeAgain! USED BY PERMISSION: Posted By: Ed, Boynton, FL – 2/28/2014 Pet Name: Harley  Species: Dog  Breed: Miniature Pinscher  Sex: Male  

Much more complete information in Chapter 2 of

How To Save Your Pet From A Disaster

Be “pet prepared.” Remember, your pet may turn into your “therapy animal” in a disaster! They are part of your family, mostly helpless, so this guide book gives you ideas to help you plan ahead and protect them. Easy to read and understand, this complete treasure trove of gold quality tips will help you discover essential information you’ve never thought of to better help your pet not get lost, not freak out, stay safe and be a close companion during stressful moments. You may have ideas, plans or supplies ready for you and your family to deal with an emergency, but your furry and feathered children have different needs, specialized needs. Here is a new book just out, as Chicken Soup for the Soul Author Raymond Aaron says, “A must read! Gift one today!”” How To Save Your Pet From A Disaster, THE essential emergency preparedness guide for feathered friends and fur babies. It even won and international book award for the “Best Pet Care Guidebook.” (available also on Kindle).

While at a glance, it looks like a pet care book, actually, If your house was on fire and you had to grab and go, would you grab your house pet or your family heirloom? Both are heartfelt treasures that you would regret losing… for years. But heirlooms and house pets don’t mix!!!  At any given time we can have items in the lab damaged by pets… its quite common. This book is full of tips for protecting your pet and collectible care and maintenance. Order from Amazon now at https://www.amazon.com/dp/B08MS5KJLT

Article Source :- https://protectyourpetguidebook.com/2020/11/22/why-microchipping-your-treasured-house-pet/

Here’s the fun 4 min interview clip:

https://soundcloud.com/expertclickradio/03-scott-haskins-0n-restoration-protection-of- collectibles-valuable-art-china-pottery

Scott Haskins, internationally renown art conservator, YouTuber, blogger, author of the Save Your Stuff book series, 0n Restoration & Protection of Collectibles & Valuable Art, China & Pottery

In the final segment of his interview with Frankie Boyer, the topic turns to how to avoid getting ripped off by shady appraiser or restoration specialists. Also Scott gives examples of protecting valuables from natural disasters and finding the right person for fixing broken china or restoration of an art piece.

As a kid growing up, Scott was always interested in science and the arts. That stayed with him hethrough college. When I was about to get my bachelor’s degree, his art history program chair asked him if he had ever considered “art conservation” for graduate work. IHehad never even heard of it. Turns out, it was the perfect marriage of his two main interests: “The application of science to the preservation and restoration of art.”

Scott’s Formal Training:

Most industrialized nations of the world have formal art conservation programs (Scott is not talking about private restoration schools, trade schools or apprentice programs) where something comparable to a Masters Degree in the US can be obtained. The waiting lists to get into these university or government programs are usually long and reapplication is required for years. But, the stars aligned and he was admitted after my first application to the conservation center in Lombardy, Italy – a satellite program affiliated with the National Center in Rome (ICR).

The first week of classes, he was on scaffolding looking and getting instruction for working on an affresco dated 1365. With a big smile he pinched myself and said, “This is great!” He appreciated the experience knowing that other art conservation students around the world were going to have limited hands on experience, especially the two year. And here he was, already in the thick of things from the “get go.” He was not disappointed with his choice over the years. During his three year program, he worked on numerous Renaissance to Baroque affrescos in ancient abbeys, libraries and churches. He also worked on many small and very large canvases. We worked on-site and in the state of the art laboratories of the conservation center.

The modern scientific art conservation facility was in a converted 800 year old monastery across the valley from a northern Italian marble quarry outside of Brescia, next to Garda Lake.

He got instruction from seasoned professionals who had worked around the world on UNESCO projects (on murals in temples in Burma and in the tombs of Egypt) and who were well informed on international current standards of practice, and techniques especially after working with the international community in response to the devastating Florence Flood of 1966 (9 years earlier). The conservation center’s professors and teachers came up from Rome and Scott’s class went to Rome often to interact with the Istituto Centrale Del Restauro.

He graduated from the formal Italian government 3 year painting/mural conservation and restoration program in mid 1978.

As you can see, art conservation and restoration has specializations in the profession. Scott works on paintings; Paintings on walls (murals), paintings on canvas (easel paintings) and art on paper. I don’t work on books, furniture, stained glass windows, old cowboy boots, antique cars, ancient documents, mummies… just paintings. From this point of the story onward, he’ll let you scroll through the background info in the navigation bar under the header photos on his website at https://www.FineArtConservationLab.com/media-room

Also, here are a couple of newspaper articles: For a feature article in the Life Section of the Santa Barbara News-Press go to www.fineartconservationlab.com/media-roo…ewspaper/

Article in New York City about mural conservation is Los Angeles www.artsy.net/article/artsy-edit…ne-mural-at-a-time

#collectibles #value #family #memories #culture  #artrestoration  #scottmhaskins #artconservation #Collectingchina #collectiblepottery #Collectibletea cups #Restorationofmurals #investmoneyincollectibles #Saveyourlegacy #ExpertClick #ExpertClickRadio

Scott Haskins 0n Restoration & Protection of Collectibles & Valuable Art, China & Pottery by Expert Click Radio is licensed under a Creative Commons License.

All around us are hardworking individuals who are striving to defy expectations and move humankind forward. Inspired by these nonconformists, entrepreneurs and disruptors, discoverGREY tells their stories through fashion.

Since 2016, discoverGREY has embarked into this uncharted territory. All who dare to share the journey are welcome. Whether you aspire to be a creator, entrepreneur, innovator, or a hybrid of them all, nothing is too ambitious. No challenge is too big in the eyes of discoverGREY. If you are determined to make your dreams a reality, discoverGREY’s Founder’s Edition strives to embolden those passions. They want nothing more than for Founders to feel confident in their goals and to feel empowered in achieving them.

Furthermore, discoverGREY wants to amplify these creators. They hope to inspire others to rise to the occasion. It is their goal to empower as many people as possible to start their own journey in an expanding entrepreneurial world. So they created GREY Style a fashion brand that celebrate and encourage entrepreneurship culture.

GREY Style was created with feeding passions and desires in mind. discoverGREY believes this power within us is more unique than our own beating hearts. In fact, they have a strong feeling that “it is intertwined with our heart’s deepest desires and beats to the very drum of it. It feeds on our passions. It motivates our actions. It inspires us to innovate our incredible ideas”. These ideas deserve to be shared and propped up for others to fuel others into achieving their goals.

However, discoverGREY understands that the journey to achieving your goals will not be an easy trek. In fact, it most likely will be one of the wildest rides you’ve ever been on. That is what makes it so special and the final destination so exciting. GREY Style’s bold collection screams, “Don’t complain. Get ready and buckle up”. Sometimes, having goals is about changing the world. Other times, it is about changing your own world and mindset. Otherwise, the road to accomplishing those goals might permanently close.

With every mistake or misstep you make along the way, there is an opportunity to grow. There is an opportunity to learn. The Founder’s Edition was inspired by this notion. In fact, GREY style created the Glitch Logo design to emulate the very idea and to remind new Founders to keep working towards their goals, no matter the hardships they face along the way. It will only make the journey more worth it.

All that considered, discoverGREY doesn’t want any Founder’s hard work to go unnoticed, either. The Founder’s Edition pays tribute to the blood and sweat that every Founder pours into their work. With the Dripping Logo, they hope to inspire creators to not be discouraged if their hard work does not pay off immediately. Even if others might be blind to the work that creators put into their projects, discoverGREY will always recognize the hard work. They want to be an advocate that true Founders will always push through the battles to win the war. GREY Style and their designs urge these like minded people to keep moving forward, no matter what.

Created with a young, driven, and diverse collective in mind, GREY Style dedicates themselves to staying current and bold. At GREY style, fashion is more than just the clothes on a person’s back. Fashion is about the person’s back it is on.

Visit https://www.grey.style/ to grab your favorites before they are gone.

What’s stopping you from joining the movement?

By Geoffrey Kaiser

Recently, in U.S. v. Sanofi U.S. Services Inc.,[1] the U.S. District Court for the Eastern District of Pennsylvania interpreted the U.S. Supreme Court’s ruling on materiality in Universal Health Services Inc. v. Escobar.[2]

In the process, the ruling highlighted a puzzling aspect of the Escobar ruling in which the high court discussed the relationship between an express condition of payment and materiality, and concluded that the former is not conclusive as to the latter.

In Escobar, the Supreme Court affirmed the validity of an implied false certification theory under the False Claims Act Lawyers by holding that there may be liability under the statute when a claim for payment makes specific representations about the goods or services provided, but does not disclose the claimant’s noncompliance with a material statutory, regulatory or contractual requirement that renders those representations misleading half-truths.[3]

Justice Clarence Thomas, writing for the court, clarified that such noncompliance “must be material to the Government’s payment decision in order to be actionable under the False Claims Act.”[4]

The concept of materiality as articulated in Escobar has been the subject of much analysis in ensuing judicial opinions. Escobar engaged in an extended discussion of the materiality requirement and how it should be enforced in False Claims Act Lawyers New York City cases.

Specifically, Justice Thomas wrote that while it is not necessary that an undisclosed “violation of a contractual, statutory, or regulatory provision” be “expressly designated a condition of payment” in order to trigger liability under the False Claims Act, neither is such a designation determinative, and that “[w]hether a provision is labeled a condition of payment is relevant to but not dispositive of the materiality inquiry.”[5]

The opinion continues:

A misrepresentation cannot be deemed material merely because the Government designates compliance with a particular statutory, regulatory, or contractual requirement as a condition of payment. Nor is it sufficient for a finding of materiality that the Government would have the option to decline to pay if it knew of the defendant’s noncompliance. Materiality, in addition, cannot be found where noncompliance is minor or insubstantial.      

In sum, when evaluating materiality under the False Claims Act, the Government’s decision to expressly identify a provision as a condition of payment is relevant, but not automatically dispositive. Likewise, proof of materiality can include, but is not necessarily limited to, evidence that the defendant knows that the Government consistently refuses to pay claims in the mine run of cases based on noncompliance with the particular statutory, regulatory, or contractual requirement. Conversely, if the Government pays a particular claim in full despite its actual knowledge that certain requirements were violated, that is very strong evidence that those requirements are not material. Or, if the Government regularly pays a particular type of claim in full despite actual knowledge that certain requirements were violated, and has signaled no change in position, that is strong evidence that the requirements are not material.[6]

This discussion has been interpreted by lower courts as requiring a holistic approach to the issue of materiality in which one considers multiple nonexclusive and nondispositive factors, including whether a requirement is denominated a condition of payment, whether the violation is minor or insubstantial and whether the government pays claims despite knowing of a violation.[7]

As analyzed in Escobar, materiality under the False Claims Act can be proven or disproven by how the government behaves in handling claims with full knowledge of a claimant’s noncompliance, irrespective of whether the government has designated a particular requirement a condition of payment which, again, is not dispositive.

In Sanofi, the court applied this concept of materiality in a False Claims Act case involving alleged kickbacks to induce the prescription of a cancer drug. In its ruling denying summary judgment, the court discussed the Escobar materiality standard.

Using a hypothetical referenced in the Escobar decision, the court explained:

[I]f Congress passed a law that government contractors could not be paid unless they only used American-made staplers, and a given contractor failed to disclose that its office used a single Canadian-made stapler, that may well satisfy the “legal falsity” requirement. But the violation may fail the “materiality” requirement if it was so insubstantial that the government would have paid the contractor even if it knew of the violation.[8]

Certainly, the court’s conclusion in Sanofi that designation of a condition of payment by Congress is not dispositive on the issue of materiality would seem to follow logically from the Supreme Court’s ruling in Escobar that “[a] misrepresentation cannot be deemed material merely because the Government designates compliance with a particular statutory, regulatory, or contractual requirement as a condition of payment.”[9]

And yet, there is much to question here. Presumably, the part of the government that is paying the claims is an executive branch agency, but if Congress — another part of the government — designates a requirement a condition of payment, no agency may override that decision. Arguably, this makes the condition material as a matter of law.[10]

When the Supreme Court held in Escobar that, to be actionable under the False Claims Act, an instance of noncompliance must be material to the government’s payment decision, surely it did not mean that any executive branch agency may unilaterally dictate what is material to such a payment decision by taking unlawful action contrary to a statutory mandate imposed by Congress.

In that regard, Congress is the final say on whether a condition of payment is minor or insubstantial.

That being so, nothing an agency may do in choosing to pay claims despite full knowledge of noncompliance with a statutory condition of payment should render such a violation immaterial to the government’s payment decision.

Likewise, it is fair to question whether an agency that expressly designates a requirement as a condition of payment in its own regulations may ignore those regulations in paying claims notwithstanding knowledge that such condition has not been satisfied, Moreover, it is fair to question whether doing so renders compliance with that regulation immaterial to the government’s payment decision.[11]

While an agency may sometimes waive its own regulations, that is the exception rather than the rule.[12] Any waiver presumably needs to be a result of deliberate agency action rather than mere inadvertence or the consequence of agency personnel without waiver authority paying claims in violation of agency regulations.

The Supreme Court’s conclusion in Escobar that “the Government’s decision to expressly identify a provision as a condition of payment is relevant, but not automatically dispositive” thus is difficult to square with basic principles governing and limiting agency action.

Why is the express designation of a provision as a condition of payment not dispositive? Arguably, it must be dispositive where it is Congress making the designation by statute, and also where it is the agency paying the claims that makes the designation by regulation, at least when there is no evidence that the agency has otherwise validly waived its own regulatory condition.

It is not as though the Supreme Court has not recognized the concept of materiality as a matter of law. In the securities fraud context, the High Court has noted:

[Where] established omissions are so obviously important to an investor, that reasonable minds cannot differ on the question of materiality … the ultimate issue of materiality appropriately [may be] resolved as a matter of law by summary judgment.[13]

Even in the Escobar decision itself, the court did “not foreclose the possibility that a statutory requirement may be so central to the functioning of a government program that noncompliance is material as a matter of law.”[14]

The question then is why Escobar treated express conditions of payment as relevant, but not automatically dispositive on the issue of materiality, without also addressing well-worn legal principles limiting agency action in violation of statutory and regulatory mandates. It will be interesting to see how case law under the False Claims Act continues to evolve in this area and whether more courts will be required to grapple with this particular aspect of Escobar’s ruling on materiality.

Geoffrey R. Kaiser is the founder of Kaiser Law Firm PLLC.

The opinions expressed are those of the author(s) and do not necessarily reflect the views of the firm, its clients, or Portfolio Media Inc., or any of its or their respective affiliates. This article is for general information purposes and is not intended to be and should not be taken as legal advice.

United States ex rel. Gohil v. Sanofi U.S. Servs.  02-2964, 2020 U.S. Dist. LEXIS 131083 (E.D. Pa. July 21, 2020).
Universal Health Services, Inc. v. U.S. ex rel. Escobar, 136 S. Ct. 1989 (2016).
at 1999-2000.
at 1994.
at 2001.
at 2003-2004.
Sanofi U.S. Services Inc., 2020 WL 4260797 at *14.
at *13.
Escobar, 136 S. Ct. at 2003.
See, e.g., Lyng v. Payne, 476 U.S. 926, 937 (1986) (“no … rule or regulation can confer on the agency any greater authority than that conferred under the governing statute” and “a contract entered by an agency may not override statutory limitations”); In re Aiken County, 725 F.3d 255, 260 (D.C. Cir. 2013) (“the President and federal agencies may not ignore statutory mandates or prohibitions merely because of policy disagreement with Congress”).
S. v. Krieger, 773 F.Supp. 580, 584 (S.D.N.Y. 1991) (“Where, as here, Congress has delegated to an administrative agency the power to give meaning to statutory provisions or to promulgate standards, regulations adopted by the administrative agency in the exercise of that delegated authority have the force of law . . . and the agency is therefore bound by its own regulations.”) (citations omitted).
Woerner v. Small Business Admin., No. 89–2674 98, 1990 WL 109018 (D.D.C. Jul. 17, 1990) (“whether an agency is entitled to waive adherence to its own regulations turns on whether the regulations were intended to confer important procedural benefits upon the parties before the agency or whether they are merely procedural rules for the orderly transaction of agency business” and if the latter, “an agency will be required to adhere to its own regulations where the complaining party will suffer ‘substantial prejudice’ in the absence of such adherence”).
TSC Indus. v. Northway Inc., 426 U.S. 438, 450 (1976) (internal quotation marks omitted).
S. ex rel. Brown v. Celgene Corporation, 226 F.Supp.3d 1032, 1049 (C.D. Cal. 2016).

For more details checkout also here :- https://kaiserfirm.com/false-claims-act-materiality-standards-odd-application-to-payment-terms/https://kaiserfirm.com/false-claims-act-lawyer-nyc/

It is no surprise that bankruptcy filings due to COVID-19 related hardships have skyrocketed since the middle of March when New York State reported its first deaths from the Coronavirus and Governor Andrew Cuomo closed all nonessential businesses. According to Bloomberg News, “the pandemic has battered New York City businesses, with almost 6,000 closures, a jump of about 40% in bankruptcy filings across the region and shuttered storefronts in the business districts of all five boroughs.” https://www.bloomberg.com/news/features/2020-09-29/new-york-city-bankruptcies-2020-pivotal-point-for-business-as-covid-cases-rise

Advantages to Filing Bankruptcy Now

Sometimes filing for bankruptcy is inevitable, especially if there is no clear financial pathwa through the coronavirus pandemic after your layoff. One of the most significant benefits of bankruptcy is its ability to discharge (wipe out) credit card balances, medical bills, and rent—the same types of debts that will likely get out-of-hand during the coronavirus crisis. Fortunately, local, state and federal governments have worked to provide safety nets during the COVID-19 pandemic. Income tests, such as the “Means Test” to qualify for bankruptcy are now easier to meet due to lower income for many potential filers, which allows people to qualify for a Chapter 7 bankruptcy.

Changes to Coronavirus Bankruptcy Cases

The Coronavirus Aid, Relief and Economic Security (CARES) Act have changed the landscape of consumer bankruptcy cases, especially with regard to the treatment of mortgage debt. Essentially, bankruptcy laws have been enhanced to make it easier to file. Furthermore, there has been more understanding and less scrutiny in bankruptcy courts especially where COVID-19 hardships are a faction. The key changes in the law that make a Chapter 7 and Chapter 13 bankruptcy easier to file are:

Coronavirus related payments from the federal government, such as stimulus, will not be included in the definition of “income” nor will such payments be included in the calculation of “disposable income” for plan confirmation purposes. 
Chapter 13 debtors with existing confirmed plans who have experienced “material financial hardship” due to COVID-19 will be allowed to extend their payments for up to seven years after their first plan payment was due under the Chapter 13 Plan. Essentially, the creditor will receive less monthly arrearage payments in the modified plan than under the original confirmed plan. 

The key changes meant to ease things up financially in a Chapter 7 and Chapter 13 bankruptcy are:

Creditors should be aware to file a timely Notice of Payment Change if loan payments due are modified under Bankruptcy Rule 3002.1. If a debtor is paying mortgage payments directly to the creditor, Chapter 13 creditors will need to work directly with debtors to agree upon a loan modification, forbearance, or deferment.
Borrowers who have been affected by COVID-19 with federally-backed mortgage loans can request a forbearance from mortgage payments for up to 180 days. The CARES Act also provides protection for tenants from eviction if the owner applies for a forbearance. 

https://hsblawfirm.com/Connect/Blog/2020/10-Changes-in-Consumer-Bankruptcy-since-COVID-19

Laid Off Due to COVID-19? Bankruptcy Can Help

No one wants to file for bankruptcy. But if you’re one of the millions laid off because of the coronavirus pandemic, it might make sense to file for bankruptcy—especially if you’re struggling with debt.

The main goal of filing for Chapter 7 bankruptcy is to discharge debts. A discharge releases individual debtors from personal liability for the debt and prevents that creditor from taking any collection actions against the debtor.

Although a debtor is not personally liable for discharged debts, a valid lien in the bankruptcy case can still remain. Therefore, a creditor may enforce the lien to recover the property. For example, the discharge will wipe out your obligation to pay your car loan, but the lender will use its lien rights to repossess the vehicle and you will not get to keep the car. Keep in mind, during a Chapter 7 bankruptcy, you will have to give up luxury items, such as a vacation home, an expensive diamond necklace, or a valuable coin collection in exchange for a debt discharge.

In most cases, Chapter 7 bankruptcy filers automatically receive a discharge at the end of their case and the court usually grants the discharge 60 days after the 341(a) Meeting of creditors. At the end of your case, the bankruptcy court will discharge all qualifying pre-petition debt, such as credit card balances, personal loans, and medical debt that arose before the date of filing for Chapter 7. However, the court will not discharge a post-filing debt. Therefore, a debtor will remain responsible for paying balances that incur after the initial filing date, even though their bankruptcy case isn’t over. https://www.nolo.com/legal-encyclopedia/debt-discharged-chapter-7-bankruptcy.html

Qualifying for Chapter 7 Bankruptcy After a Layoff

A debtor must take the bankruptcy “means test” to find out whether their income is low enough to file for Chapter 7 bankruptcy. Essentially, this is a formula designed to keep high wage earners from filing for Chapter 7 bankruptcy. Taking the Chapter 7 means test does not mean that you must be penniless to use Chapter 7 bankruptcy. You can earn a decent income and still qualify for Chapter 7 bankruptcy if you have a lot of expenses, such as a high mortgage and car loan payments.

To qualify for a Chapter 7, your income must be at or below the median income for your state to be eligible for a Chapter 7 discharge. However, there are two exceptions:

If your gross income is too high, you may use the second portion of the means test to qualify, which allows you to deduct certain expenses.
If most of your debts are business-related, you’ll be exempt from the means test.

In many cases, Chapter 7 bankruptcy is a better fit than Chapter 13 bankruptcy as Chapter 7 is quicker, many filers can keep all or most of their property, and filers don’t pay creditors through a three-to-five-year Chapter 13 repayment plan. Hiring a Chapter 7 and Chapter 13 lawyer will give you a better idea of which chapter to file.

https://www.nolo.com/legal-encyclopedia/chapter-7-vs-13-bankruptcy-29834.html

High-income filers who do not qualify to take the means test can file for Chapter 13 bankruptcy to repay a portion of their debts, but they will not be able to use Chapter 7 bankruptcy to discharge their debts altogether. https://www.nolo.com/legal-encyclopedia/chapter-7-bankruptcy-means-test-eligibility-29907.html

Consult With a Bankruptcy Lawyer

If you’re considering filing a COVID-19 bankruptcy, it’s important to speak with a bankruptcy lawyer as soon as possible. The bankruptcy attorneys at The Law Office of Ronald D. Weiss, P.C. can help you file for bankruptcy even if you’re quarantined during the coronavirus outbreak. We will help you file safely by consulting with you virtually and appearing at the 341 meetings of creditors by video or telephonically. Our Chapter 7 attorneys provide everything necessary to eliminate most or all of a client’s debt and will allow the client to obtain a fresh financial start.

For More Article Source :- https://www.ny-bankruptcy.com/filing-for-bankruptcy-and-covid-19/

We are the evolution in hygiene and surface treatment Bio sanitized is an American company committed to providing our customers and partners with a safe and healthy environment. We are constantly dedicated to smart, modern and effective solutions.

We have the most modern and innovative hospital grade equipment for cleaning, disinfecting and sterilizing surfaces, employing solutions and protocols designed and approved by microbiologists and disease prevention experts with world renown.

Because we?

We are the only American company that has an exclusive and advanced 5-step cleaning protocol, we have the most modern techniques and equipment for sanitation, disinfection and sterilization on the market with international medical certification.

We use the latest environmentally friendly disinfection technologies to eliminate all germs, viruses, odors, bacteria and molds harmful to air and surfaces, the products we use are registered by the EPA in the hospital grade classification.

Enhance your guest experience

Biosanitized helps some of the best hospitality chains in the world to create the cleanest and most hygienic environments and the best experience for guests, maintaining high standards of hygiene. Our treatments are fundamental to business and customer loyalty, while extending the useful life of assets and providing a holistic and healthier environment. All our services provide deep cleaning, sanitation, sterilization and disinfection of hospital grade surface and thus provide a healthier environment for you and your family.

We understand that your guests deserve scientific-based Service Hospital hygiene and scientific disinfection measures. Our disinfection control program ensures that facilities are sanitized using a proven method that offers a 99% reduction in hot spot in just 60 seconds per surface. For more details checkout also here :- https://biosanitized.com/

A brand-new live entertainment experience with expertly curated performances, food and music.

Launching 4th December 2020

Renowned London venue TAPE LONDON reopens its doors offering a multi sensory experience like no other, all created by the brand that is positioned at the centre of the UK and global music scene.

TAPE LONDON heard your lockdown prayers and has been busy developing the hottest new show to break out of 2020, under its new guise TAPE THEATRE. While staying true to TAPE LONDON’s musical DNA, TAPE THEATRE offers daytime & early evening social distancing compliant yet totally unique events.

As well as their headline production, they will also be programming musical lunchtime offerings, early evening guest PA’s, live comedy performances and much more. Expect an exciting offering of live entertainment paired with a tasting menu dining experience aimed at showing Londoners that despite the restrictions, creativity, live performance and most importantly good times can still exist. Whether you’re a TAPE LONDON regular or simply looking for a new way to inject some fun into this year, TAPE THEATRE can’t wait to welcome you.

There’s never been a better time to enjoy TAPE with a brand new stage, reconfigured showroom as well as a redeveloped kitchen. These upgraded facilities have prompted a new line up of guest residencies from some of London’s most exciting up-and-coming chefs, the TAPE team are extremely excited for you to come and experience them.

TAPE THEATRE will open for the general public on the 4th December with their headline offering, JUKE – PRESS PLAY. JUKE – PRESS PLAY will run Friday - Sunday from 6 pm – 10 pm with brunch shows on Saturday & Sunday from 12 pm – 4 pm. These events are expected to sell out so make sure you book in advance to avoid missing out on what will be the most talked about shows of 2020.

TAPE THEATRE will also be presenting their own industry night on Thursdays. A secretive program of live performances and PAs from some of the biggest names in comedy, music and theatre including listening parties, album previews, meet and greets with established artists and the opportunity to discover new artists on the rise.

TAPE THEATRE is also available for corporate bookings, catered business meetings lunch and early evening dinners.

For more information and booking visit https://www.tapetheatre.com/

Follow @TAPETHEATRE on Instagram for line up announcements & ticket updates For more info contact eri@tapetheatre.com

In the modern times of tech-savvy corporations and start-up companies, business leaders are often regarded as catalysts of change. With a determined and driven team of innovators at the helm of a company, there are likely to be successful and sustainable results. As businesses demand direction, it’s important that aspiring leaders learn from a diverse and multidimensional curriculum that evokes debates, ideas, and most importantly, discussions. A prime example that proves there exists a connection between innovation and leadership can be witnessed through the development of the International Management Institute, Bhubaneswar.

So, how are the Top PGDM institutes in India like IMI B approaching the need to nurture leadership skills in their potential MBA candidates? Leadership, as a quality, is not something that one inherits or is born with, but it’s something that one can hone over time, and here’s where the best PGDM colleges in India come into play in shaping the leaders of tomorrow. As a reputed MBA institute in Bhubaneswar, IMI B believes in offering an environment where prospective leaders can test their leadership in various teams in a low-risk setting. While the need for leaders through different spectrums of life continues to advance, IMI and other MBA institutes in Bhubaneswar, and in fact across India, are offering leadership programs in numerous capacities to prepare the next generation of global leaders.

For IMI, thriving as an industry leader, transforming ideas into reality, and letting education take precedence over other things holds utmost importance. Through core courses in business, innovation, and management, students at not just IMI B but other best PGDM colleges in India, too,are taught to seize opportunities. In general, an MBA for working professionals is designed in a manner that the curriculum encourages students to integrate their insights and ideas into their academic experience, thereby carefully charting the map of becoming an entrepreneur.

Taking into consideration the overall scenario, leadership is no longer defined by a set of parameters put forth by PGDM institutes best in India. The dynamical nature of leadership, in itself, proves that to be a great leader, one needs to evolve and embrace newer things whilst being empathetic and compassionate. 

For more details checkout here :- https://imibh.edu.in/pgdm

Enrolling in one of the best PGDM institutes in India is the kind of decision you’ll never regret taking. Business and management related courses can leave a significant impact on the lives of aspirants. In recent times, the world of business has transformed and globalization has become the new normal. Plus, an increasingly large number of employers are preferring to hire employees who have a minimum of a Master’s degree from any of the top PGDM institutes in India. There are various reasons for this, one of the most commonly cited one is that the skills needed for jobs have changed over time thus positions that used to be occupied by graduates now need to be filled by students from the best PGDM colleges in India.

Other than that, there are numerous other reasons to consider pursuing a business and management degree from an institute like the International Management Institute Bhubaneswar, which is deemed to offer top management programs in Bhubaneswar.

Versatile career options

Completing a business and management course from any of the top management colleges in Odisha, or for that matter, from across India, will open doors to a range of opportunities across the world. Plus, a course like this is certain to offer a chance to work with the finest multinational companies from different sectors.

Build a wide network

If building your professional network is one of the many things you aspire to attain, get into the best PGDM college in India offering an FPM program or MBA for working professionals. Having a good network built through a reputed institute will reap you benefits in the form of better paying jobs, good business opportunities, and unique work profiles.

High earnings potential

With an average salary of close to 5 lakh per annum, a business and management degree will yield you the highest earnings potential right after the course and in the long-run as well. A course in the said fields is great for those who are bothered about graduating with a higher amount of loan debt and anxious about their ability to find a well-paying job. With that in mind, the part-time programs in Odisha and other towns will fetch the highest returns on your investment.

Attain a global perspective

Few programs these days literally examine things beyond the normal, and business and management courses do exactly that – they drive the aspirants to look at things locally as well as globally. And needless to say, when you study subjects like business and management, opportunities are certain to be abundantly presented, that’s because there’s a huge demand for skills in today’s economy that these courses offer.

No matter what peaks your interests, studying business and management will always work out to your benefit.

For more information visit our website now :- https://imibh.edu.in/pgdm

The Indian IT Co offers top tier application development services from Certified Solutions Architects and Devops Engineers. If you are looking for someone who can help you realize your idea for an application i.e. to analyse and identify what needs to be built, draft specifications and features, come up with options for technology, and handle the development and product release, You are at the right place.

We’ve been at this since 2011. We started with simple web sites and slowly but constantly grew to handle more and more complex web applications with clients of varying sizes. Amassed thus is our knowledge and practice of Industry Standard Procedures, Workflow, Project Management, Client Communication, Testing and Quality Assurance to build Rock Solid Applications.

Our Services:

Cloud Migration Services
AWS Certified Solutions

Cloud App Development

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IOS Application Development

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Contact Name: Satvik

Mobile Number: +91 95024 80569

Website: https://theindianitco.in/

Facebook: https://www.facebook.com/TINITCo

Twitter: https://twitter.com/TINITCo

Linkedin: https://www.linkedin.com/company/the-indian-it-company/

Are you the head of the households and have lots of clothes to wash and dry? Then you must be happy to have a tumble dryer. But what if it breaks down? This is where a reputable dryer NYC repair comes to the rescue.

Finding a good Dryer Repair NYC to fix your tumble dryer could be quite a challenge. You will find a plethora of things to consider. However, you don’t need to break your bank when looking for the best service provider.

One of the amazing things about modern conveniences is that they automate menial activities and make your life better. Isn’t it frustrating to spend long hours drying your clothes manually? You will recall how good it is to have a working dryer, especially if your portable condenser tumbler dryer malfunctions.

Indeed, other units have malfunctioned and broken down in the past as well. We understand from experience that not all repair services present equally top-notch services. Others are totally low priced because their staff’s skills are not what they should be. Some have extremely skilled staff, but they are just overpriced.

The question is, how can you find a dependable and reasonable NYC Dryer Repair? You can consider the guidelines below:

Get referrals from your friends

Take note that your co-workers, family, or friends have likely had something fixed at some point in time. You might as well ask which repair service they employed and if it was any good. Often, you will likely receive some practical advice.

Consider their reputation

Do not forget about reputation, as this is essential. Would you rather be serviced by a service provider for known for being complicated and offering customers problems? Or would you rather be supported by a dependable repair team that fixes things?

Your budget matters

Of course, you need to consider your budget as well. Are you currently on a tight budget? Then make sure you compare different prices before getting a company to come over to your home. Nevertheless, please do not go with a bad one only because they are affordable.

Please take note that it is better to spend a few bucks extra, so you have a quality service for your dryer appliance.

How do you realize when you are hiring a dependable dryer repair company? You can begin by getting suggestions from neighbors and friends as well as checking references. Make sure you ask about their years of experience in the industry. It will help if you ask whether their technicians have ever tackled a similar dryer repair issue in the past.

Doing that will help you distinguish whether a specific repairmen is up to the challenge of diagnosing and fixing your certain issues. What’s more, check about all pertinent licenses and insurance.

As much as possible, do not work with uninsured appliance service. That’s because if something goes wrong, you could end up footing the bill. Mostly, a little due diligence is all it takes to seek a qualified, trusted appliance repair business in NYC.

For more details checkout Our website here :- https://www.appliancedoctorx.com/

We’ve build several dozen articles designed to teach Restaurant Managers how to sell their expertise and skills to Recruiters. This article is designed to help Candidates find ways to promote their skills. It is more important to avoid making mistakes than it is to learn how to complete a task. Your resume is worthless if you believe that handing it out to employers is the sole purpose of the resume. 

Recruiters have been encouraging their Candidates to build a strong social profile for years.

“Lack of social media identity can cause concern by prospective employer, non-professional or poor profile can indicate poor match for companies.” J.ScottRadel, Cleveland, Management Recruiter,  http://www.geckohospitality.com

“Companies, recruiters are looking at your Facebook and LinkedIn pages before they are even calling a candidate. Are your pages professional? Do they present you in the right light? Pictures of you chugging a beer or doing a shot of liquor will make a prospective recruiter wince.   Your picture should be a head shot, and you should be dressed professionally, you need to set the right impression. Be careful of your 'likes' these also paint a picture of the type of person you are.  What groups do you belong to, on-line?  Are you involved in professional groups, do you participate in discussions. These are all things that will give a recruiter a reason to call.”Marty T., Eastern Pennsylvania, Management Recruiter,   http://www.geckohospitality.com

Step 1: Promote Your Brand

It is easy to focus on promoting your brand while you are employed. It is easy to keep your LinkedIn and Blogs up when you are sitting at home waiting for the phone to ring. We are motivated by need. Losing a job creates several needs, and fears. That is why the savvy job seeker works to improve their brand and promote it, long before they need a job.

If you wait till you need a job to build your brand then you can expect to waste time experimenting, testing, and refining. This is valuable time needed to promote.  Intelligent managers are constantly promoting. This gives them time to smooth out their performance, discard what doesn’t work, and improve what does.

It can take months to build an effective LinkedIn Profile. This is one of the most important online tools a Candidate will ever have. It has one purpose – to build trust. LinkedIn is like networking.

It is not about you. Do not focus on yourself but on your ‘customer’. Promotion is about building a network of friends and colleagues who are willing to work together for building a relationship. Their similar needs and motivations bring them together. This is a perfect place to post your resume and press kit.

Step 2: Job Seeker Press Kit

Do you have a press kit? If you currently have a professional blog then you also have a press kit. Standing between you and your dream job is a recruiter. This person must sort through hundreds of resumes and match candidates to open positions. These people become experts at spotting careless errors. They have no rapport with you. You have less than 15 seconds to impress them. There are better ways to find a job. Many of them put the power of finding a job in your hands. A press kit offers something you can ‘give away’ that will enhance your resume.

Step 3: Follow Up

One of the best ways to build trust is to interact with the hiring manager. Some Candidates have learned the value of sending thank you cards. Every career coach tells their clients to do this. Every Recruiter wonders why they don’t.

Your thank you can include the URL of your blog, LinkedIn, or website. It has one purpose, to give the HR manager a piece of paper to file. If the hiring manager has a hand written note they may be more likely to consider you for the next job. This is one way to land a job before it is posted.

Step 4:  Listen and Build Trust

Lack of trust is the #1 reason that networking doesn’t work. Networking isn’t about you. It is about building relationships that lead to your next job. It is about building a brand. It is about building trust. Candidates who build trust are more likely to be considered for a job.

Networking also gives you an opportunity to listen to stories. When a hiring manager opens up and shares a story you are instantly getting an insider’s look to the problems at the top of their priority list. Keep reading through our blog at https://www.geckohospitality.com/hospitality-employment-agencies/. There are more than two years worth of articles designed to help Job Seekers find their dream job.

Almost everyone has experienced a bad haircut or hair dyeing experience-unfortunately, it is not always easy to correct and will leave you disappointed and self-conscious. Likewise, a great hairstyle or color can surprise you. This is why it is important to choose a good Hair Stylist Vancouver for your next hairstyle or color. Read our tips to help you find the best hair salon in your area!

Ask a friend about Hair Salon Vancouver

The best advice is the one you get from a friend. Ask the people around you to see who your friends go to cut or dye your hair, if you like the look, you can try it. Just remember to specify the hairstylist you are going to-even in the same salon, no two hairstylists are the same.

Go to someone with experience

Sometimes, the hairdresser will cut your hair, but then you will be handed over to the apprentice to dye your hair. Therefore, when you book a hair salon, make sure that the person who cuts and dyes the hair is an experienced hairdresser.

Don't judge the salon based on appearance

The best cuts and colors come from smaller, quiet hair salons. Similarly, large, flashy and well-known hair salons do not always deliver on their promises. Don't judge the salon by appearance-by word of mouth or by the experience of hairdressers and dyers.

Bring a photo and be specific

Even if you find a good hair salon, you need to make sure you get a good hair style or color that day. A person's version of "auburn" may be different from yours, so pictures are the best way to figure out what you want!

Likewise, your barber's "trimmed" version may be completely different from yours. Specify the number of centimeters or inches to be trimmed.

Know what you want and take small steps

Sometimes you may be afraid to say what you want, or you may be unsure. Whatever you do, don't trust the hairdresser to make the decision for you-their taste may be completely different from yours, and you are the one who must follow the tailoring and style later. Also, if you want to make a major change, please take some steps first. Try light brown before getting blonde, or try Bob before getting shorter!

Remember to choose a Hair Salon Vancouver and hair stylist carefully, be clear and specific, and don't do anything too dramatic immediately, otherwise you will be proud of your hairstyle or color.

The bakery salon is where magic happens-men, women and children in Christchurch know that their hair doesn’t look great at 110%, and then meet our stylists who (waving their magic scissors!) turn average cuts into Modifiable styles are concerned for all the right reasons!

Heart Breaker Salon :- https://www.heartbreakersalon.com/ :- hairdressers are well-trained and friendly professionals. They will constantly master the latest hairdressing techniques to ensure that you always get the best service.

Any individual who plans to successfully manage almost all types of businesses or businesses and ultimately profit from it knows the importance of obtaining standard tools and equipment that will help maintain the efficiency of the company and help them maintain an effective organization of the business And operations.

Just like other businesses, salons also follow these principles. Therefore, after spending time to develop the functions, functions, services and routines of the beauty salon, having a large number of wholesale Beauty Supply Victoria products is another important factor, which determines how the company develops and obtains considerable profits.

Of course, if you lack the proper wholesale beauty products and usually cannot make the salon run smoothly, then you will not be able to develop the salon properly. By using practical but powerful beauty salon equipment with Beauty Supply Store Calgary, give your customers and potential customers a reliable and deep impression.

Take the time to gain the trust and loyalty of your customers to stand out from the competition. You can establish a reputation in your area by providing quality services and products, so high-quality wholesale beauty products will help and enhance you. If they notice that your business has taken the necessary steps to fill the salon with well-stocked beauty products, they will rely more on your organization and even bring them to their relatives and colleagues in the long run.

On the other hand, you should use Beauty Supply Victoria products that are mainly suitable for your place. If you are accustomed to the type of equipment you use, then you will be able to perform the service as expected, thereby making your respective customers realize that the service you provide is much better than what your competitors are trying to do.

The type of wholesale beauty products you buy should also correspond to your current financial situation. In addition to the usual sources of expenditure and income, take the time to establish a fund and occasionally use it for more revolutionary and innovative beauty products in the future.

You need to use the corresponding salon equipment to show your skills and abilities. Gain insights from customer feedback and gain valuable information from more experienced professionals in the same field as you.

Instead, the way you display your salon equipment and the items you buy will help ensure that new customers stay in touch with old customers. Run daily operations in a cost-effective manner. This will give you greater freedom to correctly convey the appearance of the beauty salon according to your and your customers' expectations.

For more details checkout our online store here :- https://www.kingdombeauty.com/

£1.000.000 GBP is waiting for you. Limited tickets with very high chances of winning and becoming a millionaire!

1st Prize ONE BIG WINNER of £1.000.000 GBP. 2nd Prize 10 winners of £ 1.000 GBP each. UK based and operated…100% trusted.

Zinson Millionaire is fully legal UK business with offciail UK TM Trade Mark registeration.

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Step 1: Create your account.

Step 2: Answer the general skills question.

Step 3: Buy your tickets / each ticket costs £ 40 GBP only.

Step 4: Proceed to Payment and get a confirmation email with your ticket details and a ticket number.

Step 5:  Wait for the draw to take place.

Step 6: The draw for each Series will take place when all tickets are sold

Winner Announcement

The main winner and any small prize winners shall be announced and publicized on the Website and via email marketing campaigns, as well as on Zinson Millionaire’s associated social media pages/sites, such as Facebook, Instagram, and Twitter. Any main winner and small prizes winners shall cooperate with and participate in the Promoter’s reasonable publicity requests.

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Everyone dreams of winning large sum of money

All of us dream of riches and becoming millionaires but most people realize it is the most difficult thing in life, that is why we started this prize competition enterprise in London/UK to make such impossible dream a living reality.

We are NOT a lottery operator; you need to answer 1 general skill and knowledge question correctly to enter our draw.

In each draw series, we will be releasing 30.000 tickets for sale only, each ticket will cost £ 40 GBP only to buy, a price you pay for lunch for 2, but with us, this price will give you the chance to change your life. This ticket qualifies you to enter our Zinson Millionaire™ draw with very high chance to win, once all our tickets are sold, we will be conducting a manual draw which will be broadcast live on our YouTube channel, we will be giving away 1 big prize of £ 1.000.000 GBP ( ONE MILLION British pounds ) also we will be giving a second prize of £ 1000 GBP to 10 of our lucky winners.

In case we did not sell all tickets required to conduct a draw after the time set at the start of competition expires ( usually 6 month period ), we will award 70% of all tickets sale revenue to one lucky winner, there will be no second prizes in this case.

Join us on: https://www.zinmillions.com/

With Brigadier General Chuck Yeager’s passing on Pearl Harbor Day, Dec. 7th last week, a flood of memories of my childhood years came back as I remembered the fascination with the flights to breach the atmosphere with the X-15, the space race and subsequent moon race. Yeager’s critical breaking of the sound barrier in 1947 and in later years his pioneering efforts and influence on the US space industry made him a hero and as NASA Administrator Jim Bridenstine called his death “a tremendous loss to our nation.”

With such a lofty reputation you can imagine my surprise and pleasure when I found out he had acknowledged the importance of and weighed in on a historic preservation project I consulted on at Edwards Airfare base.

This article was syndicated for USA national redistribution. What does it mean that this article is “ syndicated”? See end of article for explanation.

Brigader General Chuck Yeager Good Luck to Scott Haskins

As a renowned Art Conservator, I have shared many times,”Over my decades-long professional career in consulting with people on protecting and preserving our community’s heritage, I’ve had many opportunities to work on military bases on historical murals, mostly. But my visit to Edwards Air Force Base was a bit different… they had a Flyer’s Wall in the Officer’s Club on base with signatures of many great and notable pilots including Amelia Earhart. Major Hutchison, who had solicited my services, was very interested in preserving the historical signatures on the wall as we chatted and made plans. Her testimonial was very kind, “Mr. Haskins, B. Gen Chuck Yeager was here last week and we told him about your wonderful help with the signature wall in P-1. He was enthusiastic, supportive and grateful for your expertise.”  Shortly thereafter, the above wonderful gesture by her and Brig Gen Yeager’s part arrived in the mail, which I was thrilled to receive! I consider Brigadier General Chuck Yeager’s breaking of the sound barrier a major technological and heroic event.

Obviously, professionally oriented art conservation professionals should know more than just how to inpaint or clean a painting. And, after 45 years in the profession, “we know a thing or two because we’ve seen a thing or two.”

Art Conservation Consultation Services include consulting and planning for; mural conservation and restoration projects, restoration of art on paper, care for painting collections and historic properties; setting collection art conservation/preservation priorities, long-range art conservation needs planning and short-range budget plans, evaluations of art storage facilities and environmental needs, consultant for  art traveling exhibitions/shipping, emergency preparedness and disaster response planning and research as it relates to art and collectible items, fine arts insurance evaluations connected with art preservation, emergency/damage surveys, art acquisition/deaccession evaluations, grant preparation and applications for art collection maintenance, fundraising for art restoration conservation related projects, expert testimony/ legal witness services on art and mural relate issues. We provide these services on a continual basis, sometimes on a quick one-task basis and sometimes as a key player on a team for a long term project. https://www.fineartconservationlab.com/consultations/

The above example of expert consulting for Edwards Airforce Base is an excellent example of how we can help figure out the details of a potential project. Among the additional services (in addition to art conservation treatments) by Fine Art Conservation Laboratories is our new effort to provide a professional art storage and the associate concierge services. Allow me to consult with you about your art storage needs and other collection care and art conservation issues at your location at no charge (if you are in the many areas of where we provide door to door services throughout SoCal, OC, Inland Empire, Las Vegas, SLC, Thousand Oaks and Santa Barbara). Give me a call on my mobile phone at 805 570 4140 or reach out at faclartdoc@gmail.com.

Let us help…

Here is more about Chuck Yeager’s life…

Brigadier General Chuck Yeager, who broke speed of sound, dies at 97

Dec. 7, 2020, 8:05 PM PST / Updated Dec. 7, 2020, 9:38 PM PST

By Tim Stelloh and The Associated Press

Chuck Yeager, a former U.S. Air Force officer who became the first pilot to break the speed of sound, died Monday. He was 97.

NASA Administrator Jim Bridenstine called his death “a tremendous loss to our nation.”

“Gen. Yeager’s pioneering and innovative spirit advanced America’s abilities in the sky and set our nation’s dreams soaring into the jet age and the space age. He said, ‘You don’t concentrate on risks. You concentrate on results. No risk is too great to prevent the necessary job from getting done,’” Bridenstine said in a statement.

“In an age of media-made heroes, he is the real deal,” Edwards Air Force Base historian Jim Young said in August 2006 at the unveiling of a bronze statue of Yeager.

He was “the most righteous of all those with the right stuff,” said Maj. Gen. Curtis Bedke, commander of the Air Force Flight Test Center at Edwards.

His wife, Victoria, paid tribute on Twitter.

“An incredible life well lived, America’s greatest Pilot, & a legacy of strength, adventure, & patriotism will be remembered forever,” she wrote.

Oct. 14, 1947, Yeager became the first test pilot to break the sound barrier as he flew the experimental Bell XS-1 (later X-1) rocket plane over Muroc Dry Lake in California.

US Air Force test pilot Chuck Yeager, stands beside the plane in which he broke the sound barrier, the Bell X-1, nicknamed Glamorous Glennis in honor of his wife, in California, circa March 1949.US Air Force / The LIFE Picture Collection via Getty Images file

Yeager nicknamed the plane “Glamourous Glennis” after his wife.

“Sure, I was apprehensive,” he said in 1968. “When you’re fooling around with something you don’t know much about, there has to be apprehension. But you don’t let that affect your job.”

The modest Yeager said in 1947 he could have gone even faster had the plane carried more fuel. He said the ride “was nice, just like riding fast in a car.”

Yeager’s feat was kept top secret for about a year when the world thought the British had broken the sound barrier first.

“It wasn’t a matter of not having airplanes that would fly at speeds like this. It was a matter of keeping them from falling apart,” Yeager said.

Sixty-five years later to the minute, on Oct. 14, 2012, Yeager commemorated the feat, flying in the back seat of an F-15 Eagle as it broke the sound barrier at more than 30,000 feet above California’s Mojave Desert.

The pilot later commanded fighter squadrons in Germany and Southeast Asia during the Vietnam War and was promoted to brigadier general in 1969. He retired on March 1, 1975.

Air Force Captain Charles Yeager, 25, in Los Angeles on Jan., 21, 1949.Bettmann Archive/Getty Images file

He became familiar to a younger generation 36 years later when the actor Sam Shepard portrayed him in the movie, “The Right Stuff,” based on the Tom Wolfe book. The book and movie centered on the daring test pilots of the space program’s early days.

Yeager himself even made a cameo as Fred, a bartender at Pancho’s Palace.

Yeager was born Feb. 23, 1923, in Myra, a tiny community on the Mud River deep in an Appalachian hollow about 40 miles southwest of Charleston. The family later moved to Hamlin, the county seat. His father was an oil and gas driller and a farmer.

“What really strikes me looking over all those years is how lucky I was, how lucky, for example, to have been born in 1923 and not 1963 so that I came of age just as aviation itself was entering the modern era,” Yeager said in a December 1985 speech at the Smithsonian Air and Space Museum.

“I was just a lucky kid who caught the right ride,” he said.

A hero of mine and a great technological feat.

Yeager enlisted in the Army Air Corps after graduating from high school in 1941. He later regretted that his lack of a college education prevented him from becoming an astronaut.

He started off as an aircraft mechanic and, despite becoming severely airsick during his first airplane ride, signed up for a program that allowed enlisted men to become pilots.

Yeager shot down 13 German planes on 64 missions during World War II, including five on a single mission. He was once shot down over German-held France but escaped with the help of French partisans.

After World War II, he became a test pilot beginning at Wright-Patterson Air Force Base in Dayton, Ohio.

Among the flights he made after breaking the sound barrier was one on Dec. 12. 1953, when he flew an X-1A to a record of more than 1,600 mph. He said he had gotten up at dawn that day and went hunting, bagging a goose before his flight. That night, he said, his family ate the goose for dinner.

He returned to combat during the Vietnam War, flying several missions a month in twin-engine B-57 Canberras making bombing and strafing runs over South Vietnam.

Yeager also commanded Air Force fighter squadrons and wings, and the Aerospace Research Pilot School for military astronauts.

“I’ve flown 341 types of military planes in every country in the world and logged about 18,000 hours,” he said in an interview in the January 2009 issue of Men’s Journal. “It might sound funny, but I’ve never owned an airplane in my life. If you’re willing to bleed, Uncle Sam will give you all the planes you want.”

When Yeager left Hamlin, he was already known as a daredevil. On later visits, he often buzzed the town.

“I live just down the street from his mother,” said Gene Brewer, retired publisher of the weekly Lincoln Journal. “One day I climbed up on my roof with my 8 mm camera when he flew overhead. I thought he was going to take me off the roof. You can see the treetops in the bottom of the pictures.”

Yeager flew an F-80 under a Charleston bridge at 450 mph on Oct. 10, 1948, according to newspaper accounts. When he was asked to repeat the feat for photographers, Yeager replied: “You should never strafe the same place twice ’cause the gunners will be waiting for you.”

Yeager never forgot his roots and West Virginia named bridges, schools and Charleston’s airport after him.

“My beginnings back in West Virginia tell who I am to this day,” Yeager wrote. “My accomplishments as a test pilot tell more about luck, happenstance and a person’s destiny. But the guy who broke the sound barrier was the kid who swam the Mud River with a swiped watermelon or shot the head off a squirrel before going to school.”

Yeager was awarded the Silver Star, the Distinguished Flying Cross, the Bronze Star, the Air Medal and the Purple Heart. President Harry S. Truman awarded him the Collier air trophy in December 1948 for his breaking the sound barrier. He also received the Presidential Medal of Freedom in 1985.

Yeager retired from the Air Force in 1975 and moved to a ranch in Cedar Ridge in Northern California where he continued working as a consultant to the Air Force and Northrop Corp. and became well known to younger generations as a television pitchman for automotive parts and heat pumps.

He married Glennis Dickhouse of Oroville, California, on Feb. 26, 1945. She died of ovarian cancer in December 1990. They had four children: Donald, Michael, Sharon and Susan.

Yeager married 45-year-old Victoria Scott D’Angelo in 2003.

Tim Stelloh

Tim Stelloh is a reporter for NBC News based in California.

The Associated Press

Reuters contributed.

https://www.nbcnews.com/news/us-news/chuck-yeager-u-s-air-force-officer-who-broke-speed-n1250322?fbclid=IwAR1oKh3ZKZnojBnRLw4yr3tNkOdG9lli4pf8mlYyOyyWuw2b9G6a7BKlC-c

What does it mean that this article is “ syndicated”?

When something is published, usually by a news source, and is made available through different venues for redistribution then it is said to be syndicated. Publications that are syndicated are usually considered of value as being from an expert, educational, new worthy or valuable for wide popular interest. See syndication page at the renowned publicity site: www.NewsReleaseWire.com/239643

This website’s syndication included:

1) Included in the ExpertClick Press Room as a ‘press release.’ (different than a ‘news release’)

2) Included in the ‘Speaker Bureau Platform Page.’

3) Shown on the front page of ExpertClick, in rotation with other most recent posts.

4) Shown in the ‘News Release Results page.’

5) Included on optimized for searches on all my topics of expertise.

6) Shown via RSS linked from the Press Room. (A specific way news is actively distributed within the industry)

7) Shown in the full RSS feed from ExpertCick. (Another, different specific way news is actively distributed within the industry)

8) Syndicated to LexisNexis.com As of 2006, the company had the world’s largest electronic database for legal and public-records related information, distributor of academic content and expert opinion.

Website themes are pre-made designs for website content management systems or “CMS” like Drupal, WordPress, and Joomla. If you are looking for a secure, flexible, and scalable Enterprise-ready CMS, Drupal is the best choice. With the 20 best Drupal 9 themes we researched for you it will be easy to get started with Drupal 9. 

Using a good Drupal theme as a starting point can give your project a head start. Some Drupal themes are highly opinionated and designed for specific use cases like e-commerce webshops or magazine style websites. Other themes in our top 20 are less opinionated and architected more like a framework. 

Here are the best Drupal themes:

1. DXPR Theme

Time is of the essence. With DXPR Theme, you will build powerful marketing content faster. The DXPR Settings Dashboard gives you every customization you need to create a website that exceeds expectations. DXPR theme is installed on more than 2000 sites, and you’re going to love it too.

DXPR Theme is the fastest and most easy-to-use low-code theme that Drupal site builders deserve! Furthermore, thanks to the tight integration with the DXPR Drupal Layout Builder, this theme can be part of a state-of-the-art digital experience platform. 

This theme deserves the #1 spot because it has the highest number of customization options and features, and that’s how this theme will save you time and money. DXPR Theme is really more of a low-code theming platform than a theme. It’s based on Bootstrap 3, but a Bootstrap 4 update is coming in Q1 of 2021. 

DXPR Theme (Free)

Framework: Bootstrap 3 (Bootstrap 4 update coming soon)

1. Tico Theme

Tico theme is a professional and modern business Drupal theme with an eye-catching look. Most suitable for any website for personal or business use. Tico is simple to use and highly customizable. It’s designed with user-friendliness in mind. Tico sports a distinctly unique, modern look. It has a super powerful theme control panel with many useful options and tools to manage your site: Block builder, customize, sliders, etc. Tico theme is built with Gavias Block Builder. The significant drag and drop builder allows you to create professional blocks in just some simple clicks. Besides, with over 19 widgets integrated, building content has never been this easy. Tico theme uses the latest web technologies: Drupal 9.x, Bootstrap 3, SASS, HTML5, CSS3, Font Awesome 4

Tico theme (48,- USD)

Framework: Bootstrap 3

1. TheMag Drupal Theme

TheMAG Drupal theme lets you create a modern magazine website with a lot of ease. It is excellent for sites that want to rake in ad revenue or profit from content. This bestseller theme is perfect for blogging, journalism, or entertainment sites.

TheMAG comes with lots of features and is fully compatible with Drupal Thunder distribution. It utilizes and extends the powerful and unique Drupal Layout Builder that lets you create complex layouts and pages with few clicks.

Video Review

TheMag Theme ($54,- USD) 

Framework: Bootstrap 4

1. Jango Theme

 Jango is an ever-growing multipurpose theme for Drupal 7 and 9. It is powered by visual shortcodes and a layout builder.

Jango is a flexible theme that will simply be able to support every site. Such as portfolios, blogs, corporate, product showcase, landing pages, and many others. By utilizing 300+ components, you can mix-and-match any element together.

Jango theme was fired and designed with creative and modern web trends. It provides the most reliable, smooth, clean, and intuitive user experience. Jango is bundled with a completely responsive design and suitable with all popular internet browsers and devices. Jango is genuinely a theme prepared to launch upon buy.

Video overview

Jango Theme ($59- USD)

Framework: Bootstrap 3

1. Pivot Theme

Pivot is the most sold theme on ThemeForest. Pivot is a fully featured multi-proposed, responsive, and Bootstrap based HTML5 Theme, which is suited for Business, Education, Hospitals, Corporate, and Portfolio type websites. 

Pivot includes the variant page builder through which you can build refreshing and confident appealing pages. It provides pre-build necessary pages like login, error, pages, and coming soon pages. 

Here are some best features.

MailChimp & Campaign Monitor Integration
Contact form with different variations and validation.
14 Color schemes, LESS files are included for each scheme
Social media sites feed.
Variety of pages for login, Errors, and Coming soon, etc.

Pivot Theme ($48- USD)

Framework: Bootstrap 3

For more details checkout also here :- https://dxpr.com/drupal-blog/best-drupal-9-themes-2020

The invention of LED has brought in a tremendous change in the modern advertising world. These screens exhibit high brightness and deliver an amazing picture clarity than expected.

Outdoor LED Display has become one of the latest trends which constitute several LEDs grouped in a pixel and these pixels help in the content display. You may have specific goals for your video walls attracting attention, upselling, increasing curb appeal and our team of experienced professionals will help you reach just that. As a full-service LED provider, we collaborate with customers creatively to ensure the best experience.

How Huge Can It Get? Look out for one of our largest digital installation by at the ‘A Tower’ on Sheikh Zayed Road, Dubai. A view that can’t be missed from either side of the road.

Sheikh Zayed Road (SZR) best known as the E11 highway that connects the two largest cities of UAE; Dubai and Abu Dhabi. This Road is known as one of the main highways in Dubai and the road that connects the seven emirates. Sheikh Zayed Road not only is the busiest roads in Dubai, but it also has many high-rise buildings that house residential apartments and serviced hotel apartments. The area is always bustling and is popular amongst working professionals due to the proximity to many business hubs.

Yes, you can’t but stop to notice the Pixcom giant screen gazing at you on a highway which stretches from Dubai to the other emirates. It’s the biggest screen on this stretch which stands tall up to 500sqm in the entire road from 1st to 5th interchange which cannot be missed.

As its rightly said by Helen Keller – “Alone we can do so little; together we can do so much.” this project was not a cake walk for us, but if everyone is moving forward together, then success takes care of itself.

For more details checkout also here :- https://pixcom.ae/its-time-to-get-larger-than-life/

With so many Americans suddenly unemployed due to COVID-19, a huge number of homeowners are unable to make their mortgage payments, forcing people to go into foreclosure. 

Governor Andrew M. Cuomo first announced a New York State moratorium on residential and commercial foreclosures on March 20, 2020 to ensure people were not evicted during the height of the pandemic. This comes after the federal Coronavirus Aid, Relief and Economic Security (CARES) Act was enacted for the purposes of relieving financial strain on Americans affected by COVID-19. On March 27, 2020 the CARES Act passed the House and was signed into law by President Donald J. Trump. 

Since the inception of the moratorium, there have been different levels and orders of the moratorium. Executive Order 202.8 barred the enforcement of any foreclosure proceeding until June 20, 2020. Executive Order 202.28 extended the moratorium on evictions and foreclosures to August 20, 2020, as long as the non-payment of mortgage is by “someone that is eligible for unemployment insurance or benefits under state or federal law or otherwise facing financial hardship due to the COVID-19 pandemic” (https://www.nycourts.gov/evictions/outside-nyc/, https://www.law.com/newyorklawjournal/2020/07/28/one-year-foreclosure-moratorium-law-proposed/?slreturn=20200824162050).   

Another moratorium was put into place on March 21, 2020, when Governor Cuomo issued Executive Order 202.9, which directs the Department of Financial Services to “ensure under reasonable and prudent circumstances that any licensed or regulated entities provide to any consumer in the State of New York an opportunity for the forbearance of payments for a mortgage for any person or entity facing a financial hardship due to the COVID-19 pandemic” (http://dmna.ny.gov/covid19/docs/all/EXEC_COVID19_ExecutiveOrder202.9_032120.pdf).  

On August 20, 2020, Governor Cuomo signed an executive order to extend the deadline to September 20, 2020, and it was yet extended until October 20, 2020. https://www.governor.ny.gov/news/governor-cuomo-announces-executive-order-extending-moratorium-covid-related-commercial

Forbearance Stops Coronavirus Foreclosure Countdown

When a foreclosure is already pending, the borrower is bound to partake in the mandatory settlement conference, even if they appeared at a prior settlement conference and the case was marked unsettled. As an alternative, the mortgagee can allow the borrower to participate in a forbearance agreement in accordance with the settlement conference statute. Essentially, this means that a forborne payment will be due at the end of the forbearance period, at which time the terms of repayment will be negotiated. https://www.law.com/newyorklawjournal/2020/07/28/one-year-foreclosure-moratorium-law-proposed/ 

Forbearance effectively puts foreclosure on hold. If you have a federally backed mortgage, the CARES Act permits six months of mortgage forbearance —a reduction or suspension of your payments. If you qualify for mortgage forbearance under the CARES Act, you will eventually have to pay back any amount you were excused from paying during the forbearance period. The positive outcome is that the CARES Act forbids lenders from charging extra interest on those payments.

If you are unable to fully repay the amount at the end of the forbearance period, you should speak with a foreclosure attorney to discuss loss mitigation options. Your foreclosure attorney can arrange mortgage forbearance under provisions of the CARES Act so that the mortgage delinquency status is “frozen.” Forbearance is not automatic, so you or your attorney must contact your lender to arrange for mortgage forbearance under the CARES Act. During this time, the Covid-19 Foreclosure lawyer will research a forbearance agreement with the creditor to either discuss financing, returning the property, extending the term of the loan, or partial repayment throughout the life of the loan, which would result in increased monthly payments.

How COVID-19 Affected Foreclosures in New York State

COVID-19 foreclosure proceedings were unable to be initiated until the New York State courts reopened gradually on May 4, 2020, but the Chief Judge imposed a continuing Court stay of filing matters dealing with foreclosures. https://www.nycourts.gov/whatsnew/pdf/Foreclosures-Memo-July%2024.pdf 

There were many mature foreclosures in the pipelines when Covid-19 arrived that had already gone through years of litigation. Covid-19, lockdowns, layoffs, and the economic recession will add to that pipeline. By not allowing these forecloses to move forward or end with a foreclosure sale or start with a complaint filed with the court, the government is delaying dealing with a problem that will be much more extreme when these protections are over. The goal was well-intentioned to keep people in their homes during the pandemic, but not enough to distinguish between old foreclosures and new foreclosures. The result is that all lumped together, people may get forgiveness, more time, and advantages that may in itself worsen the situation. 

Considering that New York foreclosures are already time-consuming, this further delay—the moratorium—creates an obvious burden. At the end of the hiatus, lenders may be overwhelmed, the debt could be greater, reinstatement could be more difficult, and the borrower may have a day of reckoning giving them a false sense of security. Thus, it’s important for borrowers to be prepared to make payments when the moratorium ends. 

Foreclosure Attorneys Are Here to Help 

The Law Office of Ronald D. Weiss, P.C. provides foreclosure defense services by using litigation strategies that allow homeowners to assert their rights and oppose a foreclosure proceeding. Our firm represents clients’ from the start by answering the initial summons and complaint. In addition, our negotiation lawyers use their expertise in foreclosure methods, such as structuring mortgage modifications to give mortgagees more time as well as forming new loans to lower interest rates. The Law Office of Ronald D. Weiss, P.C. is here to help play catch up on what you may have fallen behind on. 

For more details checkout also here :- https://www.ny-bankruptcy.com/the-law-office-of-ronald-d-weiss-can-assist-with-coronavirus-foreclosures/

New York legislators have made efforts to prevent a “shadow docket” and backlog of inactive foreclosure cases. After the housing crisis hit, many banks began filing foreclosure actions before they had the necessary documentation to support standing and other aspects of the claim. In 2013, New York passed CPLR § 3012-b, which required that banks that did not have physical copies of the required documents file a “Certificate of Merit” with the petition. Specifically, the law requires the following:

The complaint shall be accompanied by a certificate, signed by the attorney for the plaintiff, certifying that the attorney has reviewed the facts of the case and that,  based on consultation with representatives of the plaintiff identified in the certificate and the attorney’s review of pertinent documents, including the mortgage, security agreement and note or bond underlying the mortgage executed  by defendant and all instruments of assignment, if any, and any other instrument of indebtedness including any modification, extension, and consolidation to the best of such attorney’s knowledge, information and belief there is a reasonable basis for the commencement of such action and that the plaintiff is currently the creditor entitled to enforce rights under such documents. If not attached to the summons and complaint in the action, a copy of the mortgage, security agreement and note or bond underlying the mortgage executed by defendant and all instruments of assignment, if any, and any other instrument of indebtedness including any modification, extension, and consolidation shall be attached to the certificate.

This helped eliminate some delays due to documentation issues, while CPLR § 3408 required mandatory settlement conferences, as well as requirements for banks to act in good faith to help avoid delays.

While lawmakers tried to move foreclosures along as much as possible for both the sake of homeowners and the court system, many foreclosures fall inactive on court dockets. The question is: can plaintiffs restore inactive claims can the homeowner oppose restoration by showing that the action should be dismissed due to abandonment and/or lack of prosecution?

Dismissals for Abandonment or Lack of Prosecution

Laws regarding mandatory settlement conferences and foreclosure timelines apply when the homeowner answers the foreclosure complaint and is actively involved in the case. However, what happens when the homeowner/defendant does not file an answer or appear in court? The law states that the plaintiff has one year to seek a default judgment against the defendant. Under CPLR § 3215-c:

If the plaintiff fails to take proceedings for the entry of judgment within one year after the default, the court shall not enter judgment but shall dismiss the complaint as abandoned, without costs, upon its own initiative or on motion, unless sufficient cause is shown why the complaint should not be dismissed. A motion by the defendant under this subdivision does not constitute an appearance in the action.

If a plaintiff takes no action on the foreclosure for one year, the law requires that the court dismiss the complaint due to abandonment. Too often, however, if a defendant remains inactive and does not oppose the motion, the court may overlook a late motion for an order of reference, even if it was filed well after one year.

New York courts have also found that the plaintiff does not actually have to obtain the judgment within a year, but they simply have to take “proceedings” for entry of judgment. In State of New York Mortgage Agency v. Linkenberg, the court found that dismissal for abandonment was not proper because the bank filed a motion for an order of reference after the default, despite not obtaining a judgment. The court stated:
To avoid dismissal pursuant to CPLR 3215(c), it is not necessary for a plaintiff to actually obtain a default judgment within one year of the default (see HSBC Bank United States, N.A. v. Traore, 139 A.D.3d 1009, 1010, 32 N.Y.S.3d 283; Aurora Loan Servs. LLC v. Gross, 139 A.D.3d 772, 773, 32 N.Y.S.3d 249; US Bank N.A. v. Dorestant, 131 A.D.3d 467, 469, 15 N.Y.S.3d 142; Wells Fargo Bank, N.A. v. Combs, 128 A.D.3d 812, 813, 10 N.Y.S.3d 121). Nor is a plaintiff required to specifically seek the entry of a judgment within one year. As long as “proceedings” are being taken, and these proceedings manifest an intent not to abandon the case but to seek a judgment, the case should not be subject to dismissal (see Aurora Loan Servs. LLC v. Gross, 139 A.D.3d at 773, 32 N.Y.S.3d 249; US Bank v. Dorestant, 131 A.D.3d at 469, 15 N.Y.S.3d 142). Taking the preliminary step toward obtaining a default judgment of foreclosure and sale by moving for an order of reference within one year of the defendant’s default is sufficient to timely initiate proceedings for entry of judgment pursuant to CPLR 3215(c).

A case may also be dismissed as abandoned under CPLR § 3404, which states that “A case in the supreme court or a county court marked “off” or struck from the calendar or unanswered on a clerk’s calendar call, and not restored within one year thereafter, shall be deemed abandoned and shall be dismissed.”

Cases dismissed under 3404 can often easily be restored by the plaintiffs. Generally speaking, within a year of the marking off and before the automatic dismissal, a plaintiff may restore the case merely by requesting restoration. After the dismissal, the plaintiff may seek restoration, but New York courts require that “the plaintiff must demonstrate (1) a reasonable excuse for the failure to timely restore; (2) a meritorious cause of action; (3) a lack of intent to abandon the matter; and (4) a lack of prejudice to the opposing party.” Basetti v. Nour, 287 AD2d 126, 135 [2d Dept 2001].

If the court dismissed the action under CPLR § 3215 (c) for not seeking a default judgment, the plaintiff may be able to refile the action within six months under New York’s Savings Provision, Civil Practice Law and Rules (CVP) § 205.

Another reason a defendant may seek to dismiss an inactive foreclosure is for want of prosecution under CPLR § 3216, which applies “Where a party unreasonably neglects to proceed generally in an action or otherwise delays in the prosecution thereof.” In order to succeed in the type of dismissal, one year must have elapsed since the joinder of the issue, the defendant served a written demand to resume prosecution of the issue within 90 days, and defendant demonstrates that the plaintiff failed to act for 90 days after receiving the demand. Unlike dismissals for abandonment, if the court cites reasons for the neglect of prosecution, the plaintiff cannot use the Savings Provision to later restore the action.
However, courts have significant discretion in whether to dismiss an action under 3216, as shown in New York appellate court rulings such as Davis v. Goodsell, 6 AD 3d 382 – NY: Appellate Div., 2nd Dept. 2004:

CPLR 3216 is, by its terms, “extremely forgiving” in that it never requires, but merely authorizes, the Supreme Court to dismiss a plaintiff’s action based on the plaintiff’s unreasonable neglect to proceed (CPLR 3216 [a], [e]; Baczkowski v Collins Constr. Co., 89 NY2d 499, 503-505 [1997]; see Di Simone v Good Samaritan Hosp., 100 NY2d 632 [2003]). While the statute prohibits the Supreme Court from dismissing an action based on neglect to proceed whenever the plaintiff has shown a justifiable excuse for his or her delay, and a meritorious cause of action (see CPLR 3216 [e]; Di Simone v Good Samaritan Hosp., supra) such a dual showing is not strictly necessary in order for the plaintiff to escape such a dismissal (see Baczkowski v Collins Constr. Co., supra at 503-505).
Because of the court’s discretion, it is important to have an attorney who understands how to seek a dismissal of your foreclosure when appropriate.

Do Not Wait to Consult With Our Long Island Foreclosure Defense Attorneys

The rules and laws regarding inactive foreclosure cases, dismissals, and possible restoration are complex. You should seek representation from a skilled foreclosure defense lawyer at the Law Office of Ronald D. Weiss, P.C. for assistance with your specific situation. Please do not hesitate to call (631) 271-3737 or contact us online for a free consultation if you believe you may be facing foreclosure.

For more article source :- https://www.ny-bankruptcy.com/restoring-inactive-foreclosure-actions-in-new-york/

A proper functioning of garage door is vital to every resident or industry. If you find any damage on your garage door, then it calls for a professional help. There are many ways that garage doors can be broken and damaged and so you need to hire professionals from Heights Garage Door Repair Houston to resolve the garage door repair, install, maintenance and replacement service!

A garage door is the one that can be lifted up and down many times a day. It is something superb that helps you to provide high-level security to you and your family. For example, if the climatic conditions are not well, then it may damage the garage door abruptly. Most importantly, a house with damaged or broken garage door will hurt the value of the property while you are trying to sell the house. Whatever the garage door damage might be, you need to hire a reliable company to repair the garage door. Get ready to avail for the garage door services of houston for smooth operation. Since garage door is the one that goes up and down thousands of time a day and so it needs regular maintenance service and so choose the best and reliable Heights Garage Door Repair Houston Company to resolve garage door repair and maintenance services!!

Garage door services offered by trusted company:

Looking for the guaranteed garage door repair and maintenance service? If so, then it is time to hire professionals to take care of the garage door services. The professional company offers different types of garage door services so choose the one that you suits your garage needs. In addition, the professional company will offer the best garage door repair service. Just simply choose a company that is committed to providing the best repair services and warranty services as well. Here come some of the garage door repair services offered by the professionals,

Broken garage door spring replacement service
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Garage door maintenance plan
Complete garage door replacement

Get emergency garage door service:

If you are ready to hire an expert for your garage door repairing needs, garage door service experts and technicians will help you to identify the root of the problems much faster. If you decide to repair the garage door on your own, you may take several days to complete the repair service and you are not sure about the using of specified tools.

If you skip the damaged or broken garage door, then it may cause severe problems in the future. It is better to hire a garage repair technician who helps you to handle any sorts of garage door repairs! If you need emergency garage door repair near me, don’t hesitate to hire Heights Garage Door Repair Houston! If you have any queries regarding garage door repair services, talk to experts today!!

For more checkout our website here :- https://heightsgaragedoorrepairhouston.com/

CoinBazaar is a leading E-commerce platform where you can buy Gold Coins and Silver Coins Online at a cheaper cost. In addition, you will get live gold rates in India! When you browse the online platform, you will find certified coins such as Silver, Gold, Platinum, etc.! It doesn’t matter whether it is Gold or Silver coins; you can buy anything at a lower price. We offer different modes of payment options with free shipping across the country. As per the research report, the gold rate is increasing day and day, and it is expected to reach RS 65,000. If you are ready to buy coins from our platform, you will get fast delivery and worth your money. CoinBazaar is the only platform in India that offers live pricing rates for precious coins and bars. We periodically update the pricing details of gold rates and provide many exciting offers and discounts to sustain our loyal customers! 

Get live gold rates online today!

Gold is one of the pricey metals that investors want to invest in it! Gone are the days women love to wear gold during festivals and celebrations. But, now, investing in cold coins has become a great investment, and people are searching for the right platform to buy gold coins. If you desire to buy gold coins online today, you can trust the CoinBazaar platform. As it is a renowned platform where you can buy Hallmark certified coins at a lower price. The price of gold coins keeps on increasing day by day, so it is better to stay online to discover the live prices of gold rates today on CoinBazaar. 

Buy branded certified gold coins online like MMTC, RSBL, NIBR, etc
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CoinBazaar- best E-commerce platform to buy gold coins and live gold rates:

CoinBazaar is one of the dedicated and most trusted digital gold online platforms since 2012 that offer gold and silver coins at a lower price. 
It doesn’t matter whether you want to buy or sell gold coins; choose CoinBazaar and get even live gold rates with just a single click. 
You will find BIS Hallmark and 999 purity gold coins with only 3% GST. 
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If you want to sell your gold, you will get the amount within a few minutes directly on your bank account. 
At CoinBazaar, you can exchange digital gold coins at any time, and the money equal to the gold coins will be deposited in your bank account. 
You need to add the Nominee name and Nominee contact number on “My Personal Information,” so you are allowed to send the Digital Gold Balance to the preferred nominee address after verifying properly. 

CoinBazaar is a leading digital gold online platform where you can get live gold rates today! We sell BIS Hallmark and certified brands of gold coins to our loyal customers. As per your wish, you can exchange digital gold balance with your loved ones. Get ready to buy gold coins online and get value for your money!!

Are you a professionally successful individual seriously searching for a soulmate? You are probably looking for online dating services to find your partner. There are several online dating companies, however, which one works best for you? In this article, we explain why HEHE Match is the best professional matchmaking company in Toronto. Read on!

How to choose one among so many online dating services?

You come across so many websites offering matchmaking services. How do you choose one? You need to consider the following criteria:

Focus: You have attained professional success by working hard. You now want a serious romantic relationship with someone that respects the core values of a purposeful, energetic, and fulfilling life. Casual dating doesn’t work for you. You need a professional matchmaking service that understands you and focuses on your needs.
User-friendliness: You want a dating company that understands your requirements and makes it easier for you to find a soulmate. Unnecessary distractions won’t help you.
Privacy: You have built your personal brand with a lot of hard work. Hackers accessing your sensitive information from the database of a dating company and harming you are the last things you want!
Security: If there’s one thing other than hard work that’s helped you to gain your professional success, then that’s your integrity. You want a professional matchmaking company that does everything possible to prevent abuses on its platform.
Cost: Having achieved professional success, you know that high-quality services cost money. However, you would also want value for the money you spend.

Now that you know what you should look for in a matchmaking platform, let’s find one that ticks all the boxes.

HEHE Match: The dating company of choice for single professionals

At HEHE Match, singles with professional success like you get a key opportunity to find your soulmate. We offer you the following:

Relentless focus on your needs: We exclusively serve professional singles like you that have achieved success with hard work and now look for a reliable partner. You want a life partner to help you to achieve a purposeful, energetic, and fulfilling life, and we understand that. We reiterate: we only serve the demographic segment that you belong to! If you are a professionally successful single anywhere in the world, we are here to help you find that soulmate.
A process that’s geared towards helping you: We provide an online dating platform powered by “Artificial Intelligence” (AI) to find you the partner you need. Furthermore, we offer offline matchmaking environments that you can trust. You can connect to a like-minded potential partner using our platform.
A great team to help you: As a professional matchmaking company, we take pride in our team. Our team members have an excellent professional track record, impressive educational background, and a laser-like focus on your needs. We want you to find a soulmate. Towards this, we continuously strive to improve upon work and innovate.
A commitment to your privacy: We understand how much you value your sensitive personal information. Our systems and processes use stringent risk control frameworks, and we secure your personal information. It’s a firm commitment!
A systematic approach to uphold security and integrity: Our systems employ modern technologies to find the right potential partner for you. We also employ stringent technical and process controls to identify and stop abuses and frauds.
Flexible pricing plans: Our networking and dating services are free for you to use. We offer personalized matchmaking services on a subscription basis. We have 3 plans for this, namely, “Silver Membership”, “Gold Membership”, and “Platinum Membership”. You see, we offer flexibility! If you have more unique requirements, then you can try our “Diamond Membership”, i.e., a subscription-based customized matchmaking service. We back all our paid services with a 30-day money-back guarantee.

Find the soulmate you always wanted but couldn’t find earlier!

We reviewed the various criteria you should consider before choosing a dating company. For professional singles like you, we explained how HEHE Match offers you the best chance to find the soulmate you want. Don’t wait anymore! Reach out to us and let us help you! For more details article source :- https://hehematch.com/