10 Twisted Ways That People Used To Be Entertained

Entertained There you are, playing your favorite video game when Grandpa walks in. You know you’re going to get an earful of a rant when your avatar rips this chainsaw through the other player.

Don’t worry, my friend. Here is a handy list of some of the most twisted and macabre ways that humans entertained themselves in eras well before Grandpa was even on the Earth. You know, to throw back his way when that rant begins.

10. True Crime

Some of the earliest celebrities were criminals. People would follow the stories of the crimes and the searches for outlaws, murderers, and bank robbers. They would pore over every small detail and hope to see a bloody recreation or photo of the crime scene.


Pat Garrett, the man who brought down Billy the Kid, even had to write and publish his own account of what happened after the outcry of people who bought up the 15 dime novels that were published about this Old West outlaw. Garrett had to remind people that Billy was a thief and a murderer.

The ambush site of Bonnie and Clyde became a chaotic circus of true crime fanatics when the couple was killed. One woman got away with locks of Bonnie’s hair to sell later, while another man was chased away for trying to cut off Clyde’s trigger finger.

The coroner overseeing the site said:

Nearly everyone had begun collecting souvenirs such as shell casings, slivers of glass from the shattered car windows, and bloody pieces of clothing from the garments of Bonnie and Clyde. One eager man had opened his pocket knife and was reaching into the car to cut off Clyde’s left ear.

Compared to that, listening to a podcast doesn’t sound so bad.

9. Le Grand Guignol

In 1897, Oscar Metenier opened his theater, Le Grand Guignol. While the theater was considered controversial for employing prostitutes, criminals, and other dregs of society, Metenier and his partner, Andre Antoine, told the authorities to hold their beers. The Guignol became famous for ramping up the controversy by adding scenes of extreme violence and gore into their plays.

Plays like Le Laboratoire des Hallucinations and Le Baiser Dans la Nuit drew in crowds averaging 250, including celebrities and royalty, with their scenes of bloody horror, dismemberment, and perversion.

One play involved a doctor who finds the man that’s sleeping with his wife on his operating table. Another play dealt with how a man gets revenge on the woman who disfigured him with acid.

The Guignol’s scenes didn’t shy away, either! One famous scene showed a man strangling a woman to death before cutting her arm off, only to discover that she wasn’t truly dead yet. All this in full view of the audience.

The Guignol continued shows until 1962 when the audience diminished and it was forced to close. While the director at the time blamed World War II, many people placed blame on his decision to cut back on the gore.

Learn More- Do pets help with depression?

8. Dark Rides

If you look up “dark rides” today, you’ll get a list of fairly tame themed rides centered around cartoon mice, innovative technology, and carnival fun. If you dig just a little deeper, though, you’ll see the era when horror ruled these rides.

Step outside the major parks and head down to the state fairs and carnivals to see that more than half of these dark rides have themes that deal with mad doctors, demonic entities, ghost houses, dragons, and many other creepy monsters and madmen.

The Pretzel Amusement Ride Company became famous toward the end of the 19th century for making tracks for dark rides. Although the company made the track, it was up to its customer to create the theme of the ride.

Most carnival owners found that rides that could give the rider a good scare really drew in dollars. This ramped up during the 1970s and 1980s when slasher films and horror movies were at the peak of popularity. They had become so popular that famed artist H.R. Giger owned and designed a dark ride for his personal use.

Dark rides are still in use today and have a massive fan base that is pulling for the preservation of these rides. Because we should all, at least once in our lives, ride a rickety cart into a dark room run by carnies.

7. Slum Tourism

Do you ever think to yourself, “Man, I really need to put my millions of dollars, posh house, and hundreds of sports cars into perspective?” No? Neither do we. Apparently, people with these things do have that thought run through their minds on occasion. Just ask the people who work in the slum tourism industry.

In 1884, a trend began where the rich were willing to pay high dollars to take guided tours of poor areas of cities. Towns like White Chapel in London, Five Points in Manhattan, and Mumbai in India became very popular spots to take these tours.

While it was sold to the public as a means of showing the upper class how badly the lower class needed help, it soon became apparent that it was nothing more than a chance for the rich to scratch an itch for the morbid.

Surely, this isn’t something that still happens today. Well . . . about that. Even though people are fighting hard against this industry, you can still book tours of areas like Mumbai, Dharavi, Charleroi, South Central LA, 8 Mile, Belfast, South Africa, The Bronx, and most disaster areas.

Kennedy Odede from Kenya once wrote in a New York Times op-ed: “They get photos; we lose a piece of our dignity.” Indeed.

6. Dime Museums

While originally billed as “edutainment to help the working class to understand the world around them,” dime museums were actually the chance for the lower classes to afford a bit of dark entertainment. While museums for the upper-middle class were what you think of when you hear of a museum today, dime museums were essentially carnival sideshows that stayed in one centralized location as opposed to traveling.

At dime museums, you could see freak shows, “Fee Gee mermaids,” and other mounted displays. Their vaudeville acts helped to start the careers of Harry Houdini, Maggie Cline, and others.

While the popularity of dime museums reached their peak around the turn of the century, many still exist across the US. These include the International Cryptozoology Museum in Portland, Maine, the Museum of Death in Los Angeles, and the Monroe Moosnick Museum in Lexington, Kentucky.

5. Cemetery Picnics

While everything else on this list can be seen as a glorious obsession with morbidity and death, cemetery picnics can actually be seen as the most wholesome and cheerful of the lot.

As we’ve seen before, the beginning of the 19th century was a time when people were desperate to get out and do anything to break the mundanity of daily life. Going to tend to grandma’s final resting place would do just that. Why not make a day of it?

At the time, cemeteries were beautiful areas of town that were well maintained. Considering that public parks weren’t a thing yet and human mortality was closer to the front of the mind than it is now, cemeteries were the places to enjoy the outside while you were still alive.

A lot of cemeteries actually have rules against having picnics because of the solemn nature of graveyards now.

4. Asylum Tourism

While it could be lumped into the same category as the slum tourism that was mentioned earlier, asylum tourism actually evolved to be a bit more of a positive thing.

In the 1800s, it was common for tourism pamphlets to make mention of seeing the local asylum. These tours originally were intended to take advantage of the public’s need to see the darker side of the world.

By the 1900s, however, they were more a display of the evolution of medical and mental treatments. The stops on the tour were no longer about simply gawking at the insane and the debilitated. Instead, they started showing the steps that the hospitals were taking to cure their patients.

Some facilities discouraged the tours as an excuse for the public to come and see the insane or even as a distraction for the nursing staff from their regular duties. Others insisted on the tours as a way to show the public the reality of mental illness, educate people in the methods of treatment, try to end the stigmas that came with mental illness and gain the confidence of the public in the hospital.

3. Witch Hunts


Witch hunts have been around since humanity has needed to blame the ills of the world on anything at all. While witchcraft was seen as just another death-worthy offense through the Middle Ages, witch trials didn’t become an exclusive form of dark entertainment until the 16th century.

With the fear of disease and misfortune, the ascension of the Catholic Church in England, and the rising tide of “witch hunters” such as Matthew Hopkins, witch trials soon began drawing the curiosity of the public.

Hopkins and his lot found a means of making a good living by going from town to town, whipping the fear of the unknown into a frenzy, and then making a massive spectacle of the trials of people who were simply scapegoats. Not long after, the American colonies began to have their own witch hunts that drew entire towns to the courthouse to witness these spectacles.

People would gather under the excuse of “civic duty” to see the accused cast spells and the witnesses writhe in faux agony. There was even a small possibility of glimpsing some skin while they were looking for the “devil’s mark.”

It was truly a manic circus that had to be seen to be believed. Thousands of innocent individuals died during the 16th and 17th centuries simply because other people were bored and scared.

2. Dogfighting


Dogfighting can be traced back to the Roman invasion of Britain. When the Romans saw just how vicious Britain’s war dogs could be, they began importing the animals for use in betting events. In the 12th century, baiting became a regular form of entertainment for nobility in England. Baiting is when a dog is released on a larger animal that may be tied or chained to the floor. Dogfighting, rooster fighting, and other animal fights “sports” had become a worldwide phenomenon.

By the 1860s, most states in the US had outlawed dogfighting once it was recognized as the inhumane act that it is. Other regions of the world started to enact laws against dogfighting soon after. Still, dogfighting is a major problem worldwide. Some nations—such as Afghanistan, Pakistan, Russia, China, Albania, and many prefectures of Japan—even allow dogfighting as a form of entertainment. Even the countries that have banned dog and animal fighting have to stage regular raids to arrest dogfight promoters and patrons.

1. Public Executions


It’s difficult to establish the beginning of public executions, but it’s a widely held belief that they started as a means of showing governmental control over their people. It wound up becoming an almost carnival-like environment.


In Severed: A History of Heads Lost and Heads Found, author Frances Larson said:

For as long as there were public executions, there were crowds to see them. In London in the early 19th century, there might have been 5,000 to watch a standard hanging, but crowds of up to 100,000 came to see a famous felon killed. The numbers hardly changed over the years. An estimated 20,000 watched Rainey Bethea hang in 1936, in what turned out to be the last public execution in the US.

People would gather in the town square to hear the condemned speak their last words, buy a snack from a vendor, laugh at the sideshows, and just enjoy the spectacle of gathering together to watch someone die.

While most nations have shied away from the practice, many countries staged public executions as late as 2012, according to Amnesty International. The final public execution in France was in 1939. Serial killer Eugen Weidmann was executed by guillotine in front of several hundred spectators, including a 17-year-old Christopher Lee. The governor had decided that this would be the last public execution because of the throngs of people who mobbed the scene to get souvenirs.

Do pets help with depression?

She’s coped with depression because she had been 12 but it was only when she faced a round of symptoms she started to comprehend animals aided her to feel.

She had difficulty sleeping and had been miserable After Brown moved into her apartment.  She began feeling also — and sleeping better after she embraced two rescue kittens.

My cats followed me When I got out of bed to visit the toilet.  It was quite relaxing,” she states.


Abigail Brown was an animal lover in her life.  

Research this up and reveal that actions with animals assist with symptoms of melancholy .

Brown is not alone.  In a recent poll from the Human-Animal Bond Research Institute, 74 percent of owners said using a pet enhanced their wellbeing.

How? Here are a few ways to learn online dog training.

Pets offer unconditional love and acceptance.

The study enrolled 37 nursing home residents who were interested in getting weekly visits from puppies and who scored high.  Half had time. With the puppy was shared by Another half.

The drop in loneliness was more important, although both teams said they felt lonely after the trip.  In other words we favor our friends to our pals that are mouthy since we could disclose our innermost thoughts and not be judged.

They’ll float up to you in the event that you smell like their antidepressant.  At a Johns Hopkins Depression & Stress Bulletin, Karen Swartz, M.D. cites a recent analysis by which nursing home residents in St. Louis felt less lonely with a while with a puppy than a trip with a dog and other residents.

Children with learning disorders and other challenges

Some kids with disabilities or other learning problems are able to interact with pets than individuals. And learning to connect with a furry friend might help an autistic kid in their own interactions.

Pets may help kids with disabilities learn to modulate calm and stress themselves, which makes them better equipped to conquer the challenges of the disease.

Exercising and playing with a cat or dog can assist a child with learning disorders remain awake and attentive through the day. Additionally, it may be a terrific antidote to frustration and stress.

Pets make us responsible.

Psychologists maintain by applying our skills that we construct our self-esteem by taking possession of a job.  As soon as we triumph — i.e., the pet is still alive another day — we fortify to ourselves that we’re able to caring for one more animal and ourselves.  That chores are significant in educating adolescents’ self-mastery and liberty.

Caring for a pet brings structure.  Sleeping till noon is a possibility if you don’t wish to spend an hour the following day cleaning up.  All night, staying out requires forethought and some preparation.

The health benefits of pets for older adults


Boost your energy.   You’re able to overcome lots of the physical challenges related to aging by taking very good care of your self.  Cats and dogs promote exercise, and playfulness, laughter, that can help boost your energy and improve your immune system.

Discover joy and meaning in life.   As you get older, you are going to lose matters that formerly occupied your time and gave your life goal.  You may retire in your career or your kids may go away. Looking for a pet can bring delight and aid boost your morale, confidence, and sense of self-worth.  Deciding to adopt a puppy from a shelter an elderly pet, may add knowing that you have given a home to your pet which could have been euthanized.

In Addition to Supplying companionship, Having a pet May play a Significant Role in aging

Keeping up social networking is not always as simple as you grow old.  Sickness retirement, death, and movement may take close family and friends away.   Pets, especially dogs, are a terrific way for adults to meet new men and women and to spark conversations.

Last But Not Least … Pets Give Us Unconditional Love

In addition, may enjoy working in a riding stable or in an animal shelter.  And bring home a brand new member of their household and can visit their regional humane society.

To summarize, the study on health and pets is clear.  Individuals could want to understand how to request a physician for an emotional support animal.

Cats and dogs adore their owners.  By way of instance, pets do not care adolescents did on a test.  Furthermore, teenagers aren’t judged by them in skill or their skills.  They are pleased to see with their owners. And they wish to spend some time with them.

This type of love that is unconditional is good for health.  

Work Health and Safety Laws Update

In October 2007, the then Opposition Industrial Relations Spokesperson, Julia Gillard (now Prime Minister), announced that her future government would move towards a more harmonized approach to Work Health and Safety (WHS) and Workers Compensation legislation within Australia.

Under the Australian Constitution the Federal Government does not have powers to make workplace health and safety laws so too the approach of negotiating with the States and Territories to develop 'model' laws that could then be adopted in both jurisprudence to result in 'harmonized' laws across the country.

The Labor party was elected and May 2008, as Industrial Relations Minister, Ms Gillard announced that a national review would be mandated by all Work Health and Safety laws across the country. The resultant findings were published and public submissions were sort.

Hundreds of submissions were received and a great deal of debt occurred within the community, industry, by unions and across the jurisdictions of Australia.

Several jurisdictions enacted their versions of the law with start dates of 1st January 2012. South Australian and Tasmanian recently moved toward an effective start date of 1st January 2013.

However, neither Victoria nor Wester Australia appear to be moving toward the new laws. Recently the Federal Minister for Employment and Workplace Relations, Bill Shorten, called upon the Victorian and Western Australian Governments to introduce their new health and safety laws.

"Workers and employers in South Australia and Tasmania will join millions of other Australians already benefitting from harmonized WHS laws in other states and territories. This year marks the first time in history the majority of Australians will be covered by harmonized work health and safety arrangements, "the Minister said.

The new Work Health and Safety Act and Regulation is intended to drive consistency and reduce red tape, particularly for businesses working across 2 or more jurisdictions. According to the Minister Shorten, the increased productivity is worth up to $ 2 billion a year over the next 10 years.

The result, for now, is that business has a variety of obligations across Australia. However, for the first time, all jurisdictions are discussing Work Health and Safety across borders. The national government is engaged and the future looks like a harmonized approach.

It is vital that businesses act now to determine what their current and future legal obligations are. Those operating across jurisdictions may have varied start date. The new laws bring a different approach, additional obligations and higher penalties than have instituted before. Boards, business owners, senior managers have a legal obligation to carry out WHS Compliance Checks to ensure they are keeping their workers safe.

Source by Peter Gaul

Trojan Horse Delivered In Automatic Update

Trojan Horse – One Mans “Worse Case Scenario” Prediction


This is a fictional article about a Trojan Horse Virus, or you could say it is one mans prediction of a “worse case scenario”. Because of the field I’m in, I maintain a personal list of my top 10 “worse case scenarios”. Every time I perform a security assessment I run into something new or identify a situation that is ripe for a potential vulnerability. I think we could all agree that no respectable or ethical company would intentionally deliver a malicious piece of code as part of a helpful update solution. However, the reality is that human beings are behind technology and human beings are unpredictable and fallible.

Many major operating system vendors have automatic update services. Many hardware vendors and other software packages have followed this trend, incorporating automated update services into their products. In some cases, the services for automatic updates run as the local “system” account. This account has the ability to access and modify most of the operating system and application environment. When automatic updates were relative new, many people would perform the updates manually, however, as time has progressed, many now trust these services and allow the updates to proceed in a truly automated fashion.

The Final Step Before The Hammer Falls


So let’s expand upon our “worse case scenario”. A new service pack is just about ready for release. The last step prior to public release is quality control / validation. The team of people performing this task includes a significantly disgruntled employee (Or may he/she is going through a horrible life crisis and has not much to lose). When people are in pain or distress it is not uncommon for them to project this same feeling onto others in any way they can. So, instead of performing their job in the normal fashion, they decide to incorporate a malicious payload into the forthcoming update.

The First Step For The Trojan Horse: Evasion


This payload has some unique characteristic, three to be precise. First, it is constructed in such as way to not appear as something malicious. The anti-virus and anti-spyware programs currently on the market won’t be able to detect it through anomalous detection techniques.

The Second Step For The Trojan Horse: Information Collection


Secondly, it has been instructed to wait 12 hours to activate to start searching your computer an network for important files that may contain financial, healthcare, and other confidential information such as user accounts and passwords. It then sends this information to anonymous systems on the Internet. Because this “Trojan horse” has been incorporated into an automated update by someone with reasonable skills, it is instructed to only perform the collection of data for 12 hours. Given the number of global systems that allow automated updates, 12 hours should be more than enough. The person behind this realizes that someone will quickly identify that something malicious is going on and start to roll-out a defense solution to halt the process.

The Final Step: Incapacitate


Finally, the Trojan Horse will cease it’s data collection and deliver it’s final blow. Because of the level of system privilege it is running at, it modifies the communication protocols and services on the system to prevent any type of external communication to its local peers and external (Internet) hosts. It does this in such as way that the only immediate method to recover from this is a system roll-back, system repair, or restore from near-line media, such as tape or disk. And as far as system recovery is concerned, I can tell you that many people even in corporate entities do not perform the most basic steps to be prepared for a quick system disaster recovery. In some cases, some of the most important recovery services have been disabled because of lack of system resources or disk space (which is amazing given how inexpensive this is anymore).

What Could Be The Impact Of This “Trusted” Trojan Horse


Just about every time you install a new application or piece of software you increase the time it takes to boot your PC and in some cases decrease its performance. On thing that drives me crazy is printing software. For the life of me I cannot understand how or why printer support software could total 400MB in size, but they sometimes do. Not only that, they tend to load all kinds of unnecessary real-time running applets. HP printers are notorious for this. Be very aware of what it is you are loading and only load those components that you need. Even some off-the-shelf software packages load adware and other not so helpful applets. Also, when you uninstall software, not all the software gets uninstalled in many cases. One thing I suggest is to purchase a registry cleaner. This can dramatically decrease boot times and in many cases increase the overall performance of your PC.

People are already concerned about identity theft, or at least they should be. I recently spoke with a business associate that told me that even with everything he does to keep his identity secure he has been the victim of identity theft not once, but twice. If your user id’s, online accounts, passwords, financials, or other confidential information winds up on the Internet for any anonymous person to see, you can bet it will be used in a way to cause you problems. Even if only 10% of the global systems fell victim to this Trojan Horse, the cut off of communications could cost businesses billions of dollars and potentially impact their reputation as “secure” institutions.



If we don’t think that this “worse case scenario” can happen, then we’re kidding ourselves. Recently, one of the market leaders in the perimeter defense business had to recall a service pack because it contained a significant “bug” that could result in a security breach; a service pack that can be delivered through and intelligent update service. Obviously there has to be a certain level of trust between us, the consumer, and the vendors of hardware / software we rely on. I’m not entirely sure what “fail-proof” solution can be put in place to prevent something like this from happening. Although I’m sure there are quite a few checks and balances in place already. The bottom line is, if you or I can image a scenario like this, there is always a chance of it happening. In my case, I usually wait for several days to apply new service packs and hot-fixes. Hopefully someone else will find the problem, correct it, and then I’ll apply it.

You may reprint or publish this article free of charge as long as the bylines are included.

Original URL (The Web version of the article)



Source by Darren Miller

PHPBB2: Selecting the Correct Update

In my previous articles about PHPBB2 I shared with readers my experience in shifting over to this type of software and I also listed some of my favorite mods and styles. If you already have downloaded PHPBB2 and are running it on your computer you have a great piece of open source software at your finger tips. As with any program you must keep it up to date. Let’s take a look at some important things to consider in keeping your program current.

First of all, the best thing you can do is to subscribe to the opt-in mailing list for notification of any updates. You must subscribe as no one will automatically tell you your site is out of date although your administration panel will give that information to you. To opt-in please visit http://www.phpbb.com to subscribe.

Next, when updates are announced you must select between two methods: a “changed files only” update or a “patch” update. If you haven’t made any extra special modifications to your program than the first choice is what you want. Simply download the information to your desktop, unzip the files, and follow the installation instructions on how to update your board. If you have added on some modifications than a “patch” update is for you. If you select the former method you will delete all of your modifications. Thus, only a patch update is what you want in order to keep your modifications in place.

So, that’s it. Make sure you receive notifications of changes as they occur and select the right update for your board. When an update is announced, plan on installing sooner rather than later as many updates include important security improvements that can help to close holes in the program.

Source by Matthew Keegan

July 2008 Mortgage Licensing Update

States are finally starting to finish off their attempts to legislate the housing problem. There are still many proposed foreclosure rescue plans in the state and federal legislatures, but most state licensing bills have either passed or voted against. There is still some talk of a federal licensing requirement for mortgage companies if the state has not complied with the federal governments minimum requirements. There is also a lot of discussion about FHA Reform, which could affect FHA Licensing, and RESPA and GSE Reform. Be ready for some major changes. Their still appears to be more to happen before the end of this congressional session.

NMLS Transition Deadlines (Nationwide Mortgage Licensing System) Very important! See transition deadlines for NMLS transitions starting July 1.

HUD Reminds Lenders of FHA Rules for Dealing with Mortgage Brokers HUD recently issued a mortgagee letter reminding lenders of various payment and service restrictions when dealing with non-FHA-approved mortgage brokers for forward mortgage. The letter states that despite a borrower may engage a non FHA-approved mortgage broker for counseling services, loan origination services may not be performed by the broker and the FHA-approved mortgagee may not compensate the broker for the counseling services. Such a payment would violate RESPA's prohibition on duplicative fees and may even be considered an illegal referral fee. To the extent a borrower receives counseling from a non-FHA-approved mortgage broker, the services must institute "meaningful counseling" and the fees must be paid from the borrower's own available assets and disclosed on the HUD-1. In addition, a copy of the service contract must be included in the loan file submitted for insurance endorsement. See Mortgagee Letter 08-17.

Maryland New Surety Bond and Net Worth Requirements

There are two new provisions of law governing Maryland mortgage lender licensees ("Licensees") that went into effect June 1, 2008. The first is an amendment to Md. Code Ann., Fin. Inst. ("FI") § 11-508 which increases the amount of the surety bond, letter of credit or trust account required to be maintained by Licensees. The second is a new minimum net worth requirement that must be maintained by Licensees which is codified at FI § 11-508.1.

Surety Bond, Letter of Credit, or Trust Account

The new required surety bond, letter of credit, or trust account amounts are as follows:

$ 50,000 Bond, etc: Required where the aggregate principal amount of mortgage loans is $ 3,000,000 or less for the preceding twelve (12) months;

$ 100,000 Bond, etc: Required where the aggregate principal amount of mortgage loans is more than $ 3,000,000 but not more than $ 10,000,000 for the preceding (12) months;

$ 150,000 Bond, etc: Required where the aggregate principal amount of mortgage loans is more than $ 10,000,000 for the preceding twelve (12) months;

$ 750,000 Bond, etc: Required blanket surety bond when an applicant files five (5) or more original or renewal applications at the same time and changes to submit a blank bond.

Under Maryland law, surety bond, letter of credit, trust account amounts are based on the volume of the Licensee's mortgage business for the preceding twelve (12) months.

  • Effective June 1, 2008, the new surety bond, letter of credit, or trust account requirements apply to each applicant for a new license or for the renewal of a license. These new requirements apply to applicants for original and branch location licenses. Any addition of a new branch location to an existing blanket bond will require the blanket bond to be increased to the new $ 750,000 bond amount or the option to post an individual bond for the new branch in the new amount required by law.

Minimum Net Worth

Another new provision of law requires Licensees to meet and maintain a specified minimum net worth. A summary of the required amounts are as follows:

$ 25,000 Minimum Net Worth: No lending activity;

$ 25,000 Minimum Net Worth: Not more than $ 1,000,000 in lending secured by residential real property for the precedent 12 months;

$ 50,000 Minimum Net Worth: More than $ 1,000,000 but not more than $ 5,000,000 in lending secured by residential real property for the prior 12 months;

$ 100,000 Minimum Net Worth: More than $ 5,000,000 in lending secured by residential real property for the prioring 12 months.

The foregoing minimum net worth requirements take effect June 1, 2008. An additional net worth requirement of $ 250,000 where a licensee has engaged in more than $ 10,000,000 in lending secured by residential real property for the precedent 12 months will take effect January 1, 2009.

Please review Chapters 7 and 8 of the 2008 Laws of Maryland (codified at FI § 11-508.1) for important additional information regarding the new net worth requirements, including rules governing the use of lines of credit by Licensees that lend money to satisfy up to 75% of their minimum net worth requirements.

This office will require proof from Licensees that they meet the minimum net worth at the time of application for a new or renewal license and at the time of a compliance examination.

Alaska Finally Adopts Mortgage Lending Licensing Regulations The much-awaited regulations implementing Alaska's Mortgage Lending Regulation Act have finally been adopted. The regulations implement new licensing and registration requirements for persons engaged in mortgage lending activities, requiring that any non-exempt person acting as a mortgage lender must be licensed and any non-exempt person acting as a small mortgage lender to be registered with the state. The regulation also includes application, competency testing, and continuing education requirements on licenseses and registrants. Other obligations imposed by the regulations include annual reporting, record-keeping, and supervision requirements. The regulations also enumerate a number of practices that are considered unfair or deceiving advertising or mortgage lending practices, and provide for clinical action taken by the Department. Finally, the regulations provide for the establishment and operation of an originator surety fund. The new regulations became effective on July 1.

If you are already operating as a mortgage lender, mortgage broker, or originator, you do not have to be licensed under the AMLRA until March 1, 2009. This means that if you are operating as a mortgage lender, mortgage broker, or holder in AK on June 30, 2008, you are not required to be licensed until March 1, 2009. The Division of Corporations, Business, and Professional Licensing will consider a person to be operating in AK on June 30, 2008, if the person is engaging in business as a mortgage lender, mortgage broker, or originator pursant to a current AK business license issued for that purpose. For example, if an AK business license has been issued to a mortgage company prior to June 30, 2008, that would indicate the company was doing business prior to July 1, 2008. If you enter the mortgage business as a lender, broker, or originator in AK after June 30, 2008, you are subject to the AMLRA that takes effect on July 1, 2008.

Some highlights of the new law are: All mortgage brokers or lenders that make or provide mortgage loans to AK residents will be required to obtain a license. This includes all companies that operate on the internet or provide remote lending from another state by mail, or telephone. All mortgage originators will be required to pass a background investigation and a competency test prior to providing service to AK residents. All mortgage originators will be required to complete 24 hours of continuing education every biennial licensing period. All mortgage originators will be required to pay into a surety fund. The fund will be used to compensate consumers for losses that may incur due to unethical or illegal behavior on the part of an originator. The division will conduct examinations of licensed entities on a three-year cycle, or sooner if a complaint is made by a consumer. Under the AMLRA, mortgage lenders and mortgage brokers must obtain a "mortgage license" and individual originators must obtain an "originator license." An individual who is the principal owner or legally authorized manager of the applicant may apply for a dual license as a mortgage licensee and the single designated originator for the mortgage licensee.

Massachusetts Adopts Regulations for New Mortgage Loan Originator Law The Massachusetts Division of Banks recently adopted implementation regulations to establish procedures and requirements for licensing under its new mortgage loan originator law. Under the new regulations, loan originator applicants are required to submit documentation of their financial responsibility, character and fitness and proof of completion of pre-licensing coursework. In addition, under the new regulations, a loan originator must disclose his / her mortgage loan originator license number in writing to all potential borrowers and residential mortgage loan applicants at the time a fee is paid or when a mortgage loan application is accepted. The implementing regulations became effective on May 30, 2008.

All individuals currently working as loan attorneys for a Massachusetts licensed Mortgage Lender or Mortgage Broker must submit a Mortgage Loan Originator license application filing to Massachusetts through the NMLS before Monday, June 30th at 11pm, in order to continue to operate in the capacity of a loan originator. Please note that all individuals who meet the definition in MGL c. 255F, section 1 must be licensed. Control persons, owners, executive officers and directors of licensed mortgage lenders or mortgage brokers must also obtain licenses as mortgage loan originators, if they meet the definition. Prior to becoming licensed, applicants must complete a residential mortgage lending course that has been approved by the Division of Banks. However, individuals may submit their application filings to Massachusetts through NMLS prior to completing a course. Individuals who submit an application before July 1st will have until August 31, 2008 to complete a residential mortgage lending course. If such an individual fails to complete a course prior to September 1, 2008, his / her mortgage loan originator license application will be terminated.

Please be advised that the effective licensing date of mortgage loan originators is July 1, 2008. Mortgage lender and mortgage broker licensees may not employ or retain any mortgage loan originator on and after July 1st unless the individual has an application pending with or approved by the Division of Banks.

Connecticut House Bill 5577 Becomes Effective July 1, 2008 Increases the bond requirements for lenders and brokers from $ 40,000 to $ 80,000 starting on August 1, 2009 . Moves up the effective date of the National Mortgage Licensing System provisions of PA 07-156 and changes the name of the system to the Nationwide Mortgage Licensing System ("NMLS").

The bill converges existing "first" and "second" mortgage professional licenses to the combined license on July 1, 2008. The bill requires those licensed on that date to transition to the NMLS before October 1, 2008. All filings must be submitted exclusively through the system starting on July 1, 2008. (Initial applications submitted on the system between October 1 and December 31, 2008 can not be approved before January 1, 2009.) Changes the expiration date for licenses and designates licensing fees. Under PA 07-156, starting October 1, 2008, all licenses must expire on December 31st of the year following issuance and all licensees must pay the required licensing and processing fee to the national system. For lender and broker licenses that expire on September 30, 2008, the bill extends the expiration to December 31, 2008. Starting on July 1, 2008, lender and broker licenses must expire at the close of business on December 31st of the year in which they are approved, unless the license is renewed. However, licenses approved after November 1st expire on December 31st of the following year. The bill requires a renewal application to be filed between November 1st and December 31st of the year in which the license expires, provided a licensee may file a renewal application by March 1st of the following year together with a late fee of $ 100. Any filing by that date with the fee is deemed timely and sufficient.

Source by Steven Sheasby

Residence Costs Update

According to Nationwide residence selling prices rose by 1.3% in July, using the once-a-year modify in price ranges from -9.3% in June to -6.2%.

While property prices ended up in free fall in 2008, handful of residences were being providing and as a outcome there are now a pool of future prospective buyers ready and in a position to get property. Now that the economic system is displaying indications of restoration and the banks owning been bailed out by the govt to this sort of a large extent, purchasers are tentatively coming back again into the marketplace, seeking to advantage from the traditionally reduced desire fees and home charges.

Nonetheless, the rise of 1.3% in July is not expected to keep on at the same rate in the coming months. Unemployment is envisioned to get to 3.2 million in 2010 and with superior unemployment and with ongoing job insecurity, present owners are far more not likely to promote and potential buyers are a lot less self-confident in their financial commitment.

Nevertheless, on the other side of the coin, this indicates that there will proceed to be a shortage of house and rates could carry on to increase. Housing design has fallen effectively below government targets and 2009 signifies the lowest level of housing design on report.

In accordance to Halifax house rates improved by 1.1% on normal in July. They also show that range of home loans permitted elevated by 22% concerning the first and 2nd quarters of 2009. The minimal curiosity prices have reduced home loan payments: in July 2009 monthly repayments accounted for around 21.4% of the common gross residence revenue and this is the most affordable proportion of domestic income since mid 2004. The lengthy-time period ordinary is 20.4%.

The Heart for Economics and Enterprise Investigate predict that house rates will drop by 3% for the remainder of this yr and would then rise by 2% in 2010 and 3.6% in 2011.

The potential of residence price ranges go on to seem uncertain. In the short time period, unemployment is continuing to rise and the overall economy, though improving upon, is however hunting shaky – could there continue to be a “W” recession? – no one particular is positive nonetheless. At the moment rates are getting buoyed by the shortage of residence readily available for sale and the minimal fascination prices. This could carry on as sellers keep on being reluctant to put their property on their market. And more than the prolonged expression there is expected to be a scarcity of housing which will preserve residence price ranges at a sustained top quality.

House price ranges are unlikely to drop considerably more than the future couple of months – there simply just isn’t ample assets on the current market to maintain hungry prospective buyers. The time to check out will be when the unwilling landlords set their properties on the marketplace and then there could be a risk of there staying too lots of properties on the sector…

Resource by Susy Copus

How You Do Update Your Claim Basic principles

By way of my vocation I&#39ve commonly been coming throughout some misconceptions amongst typical people, concerning coverage statements, who thinks that, owning an insurance coverage against loss or theft or any other insured perils or threats is the only conditions for acquiring compensated in total for the money decline they suffer toward their residences, cars or homes.

You most likely may perhaps have this misconceptions. Enable me make clear this with some examples. Let&#39s say, you&#39ve lately obtained a pair of own insurance insurance policies and being enthusiast, one of your close buddy has acquired a couple of owners&#39 coverage insurance policies too in purchase to get double positive aspects. Now, suppose in a motor vehicle incident, you&#39ve broken a single of your legs and obviously you&#39ve claimed and got paid out in full by both equally the insurers.

And coincidentally, your mate&#39s household has burnt down by hearth and he&#39s supposedly to lodge a claim to each insurers separately.Effectively, what do you believe about it? Will he get compensated in entire by the two the insurers? Sadly not. And naturally both the insurers would refuse to pay out extra than just one assert.

But why is this? Because property insurance policy (such as well being & home owners insurance policy) is subject to basic principle of indemnity (compensation) and contribution.Whereas own insurance policy and daily life insurance policy are generally not controlled by contracts of indemnity and for this reason there&#39s no contribution amongst insurers.

Just like the principle of indemnity claims an insured from recovering dollars from each the insurers, so it promises restoration of statements in comprehensive from extra than one particular insurer.In this scenario of &#39double&#39 insurance, both equally the insurers, covering the similar desire / home for the same threat, must share the promises proportionately.

Now what are the theory of indemnity & contribution and their correct role in pinpointing a claim judiciously. As you know, all insurance policies guidelines, besides existence insurance policy and private insurance plan guidelines, are the contracts of indemnity.The main aim of obtaining these provisions, is to spot the insured or policy-holder in pretty much the exact financial place (as prior to the mischance ) immediately after struggling a loss. If not, it would go against the public coverage to allow an insured to make financial gain out of the incidence of decline / destruction. And there would be a tendency of acquiring an more than-insurance policies.

Equally rivalry is described as the insurance company&#39s appropriate to get in touch with upon the other anxious insurers to lead, similarly or proportionately, for the identical decline and the doctrine of contribution supporting the principle of indemnity or principle of equity under common regulation. While there&#39s no contribution (as for every deal) in circumstance of particular accident and lifestyle insurance policies guidelines.

Source by Kaushik Adhikary

Fish Antibiotics – 2015 Update

If you&#39re new to the total idea of fish antibiotics, there are a few fundamentals you need to have to know. These are not antibiotics created from fish. Neither are they small products you need to cram down your guppy&#39s throat. In common they are pills or capsules of the similar sizing and power human beings use.

While you can not invest in human or even puppy antibiotics in the US with no a lawful prescription, a federal loophole will allow these similar antibiotics to be marketed about-the-counter for aquarium use. (Most medical doctors and pharmacists are unaware of this exemption.) Lots of of these so-identified as fish antibiotics are the identical high quality and dosage as human antibiotics (USP quality, AB-rated generics). All those who obtain these merchandise are implicitely agreeing to use these antibiotics for aquarium functions only.

In excess of the earlier calendar year many fish antibiotic merchants have disappeared, likely having caught the eye of the Food and drug administration. Yet again, by legislation these antibiotics are sold only for aquarium use, to retain your pet fish balanced and happy, though it is distinct from particular sites that they are being bought for human usage. It is presently unlawful to promote these prescription drugs to take care of human bacterial infections, although the enforcement of that intention may perhaps be challenging to control.

Are you taking your lifestyle into your individual fingers if you come down with a sore throat and determine to address your self with your guppy-cillin? In all probability not, relating to the purity of the medicine, if it is a USP quality AB-rated generic … but probably so, if you are allergic to penicillin and but presumed amoxicillin would be harmless.

The troubles with antibiotic use are manifold: most likely far more generally than not, antibiotics are applied for bacterial infections that can not cure, for situations that are not even infections, for the incorrect infections, and for self-limiting condition that demands no antibiotics. Overuse potential customers to antibiotic resistance and to growing difficulty treating serious an infection. Tens of millions of individuals undergo adverse reactions every yr, some of which are deadly. Would you acquire penicillin for gonorrhea if you realized it may essentially make the ailment even worse?

Just because penicillin, cephalexin, doxycycline, ciprofloxacin, and numerous other antibiotics can be bought for aquarium use does not mean people must be treating by themselves. Infectious disease doctors spend a life time learning the best and safest techniques to take care of infection. On top of that, it is an ethical issue regardless of whether you must honor the assure inherent in the invest in.

On the other hand, if you understood without having a doubt that TEOTWAWKI was just about the corner, you might truly feel it your ethical obligation to do all you can now to shield your family in the long term. Would it be immoral to withhold aquatic sulfamethoxazole from your daughter with a kidney infection if there&#39s no health care provider to be observed? Possessing antibiotics on hand, just in circumstance disaster strikes, is not unreasonable. Immediately after all, medical professionals do prescribe them for pampered patients who aspiration holiday may possibly be threatened by traveler&#39s diarrhea. The conclusion of the planet as we know it may well be a little bit more critical. No just one understands the working day or the hour, but is it imprudent to be unprepared?

I constantly advise audience to explore opportunity medical wants with their individual physician. Nonetheless if this does not generate what a single calls for to really feel secure and organized, I know lots of persons turn to fish antibiotics for possible use in crisis scenarios in which medical treatment is unavailable.

As of 2015 I&#39ve observed a several changes. The window of option to receive selected robust antibiotics may be shut. Following seeking several net web pages I no for a longer period locate the ready availability of amoxicillin-clavulanate, levofloxacin, azithromycin, clarithromycin, or cefdinir, and numerous web web pages just are no more. I hope they did not observe the letter of the regulation.

Penicillin, amoxicillin, ampicillin, cephalexin, sulfamethoxazole, ciprofloxacin, metronidazole, and doxycycline continue to be offered. Ketoconazole is an anti-fungal, not an antibiotic, and need to be averted due to occasionarily irreversible liver harm.

Once again I tension that no a person should be employing any of these with out specialist professional medical advice. But knowing that people today will do what they have to when threatened with lifetime-endangering disease and now to convert, I&#39ve dealt with accurate antibiotic use in good element in my e-book, Armageddon Medication, info I hope you&#39ll under no circumstances essentially want.

Source by Cynthia Koelker

Update to US Importer Safety Submitting Coverage

On January 26, 2009, a new US Import Stability Policy turned productive. Importers and vessel operating ocean carriers are now needed to supply U.S. Customs and Border Safety CBP with progress notification for all ocean vessel shipments inbound to the United States. The U.S. Import Protection Coverage, usually identified as the 10+2 Importer Stability Filing, is a U.S. Customs and Border Protection CBP regulation pursuant to Area 203 of the Risk-free Port Act of 2006 and section 343(a) of the Trade Act of 2002, as amended by the Maritime Transportation Safety Act of 2002, for non-bulk ocean shipments arriving into the United States.

Just lately the U.S. Customs and Border Protection issued an current Regularly Asked Inquiries listing. The new US Import Protection Policy areas the stress of compliance to the new safety filing on the U.S. importer. Frequently most importers do not distinct their individual goods straight with US Customs. Most importers have signed Power of Legal professional kinds with customs brokers to interface with US Customs on their behalf.

A lot of importers are puzzled about the new importer protection filing. Just one question importers often request is: Can I have my customs broker organized the importer stability filing (ISF)? Under is clarification that U.S. Customs and Border Security (CBP) has supplied:

If we retain the services of a customs broker to be our agent, do they have to be our agent for all of our Importer Security Filings through a one year? CBP Solution: No. Each Importer Security Submitting (ISF) is done on an unique foundation. An ISF Importer could file the ISF on their own, or hire an agent for each individual particular person filing. There is no limit as to how a lot of diverse brokers an ISF Importer might use for the duration of the system of a calendar year.

Can we use unique brokers for different filings? Can our agents use both AMS and ABI to do our filings? Will this impact our filings in any way? CBP Solution: The ISF Importer can elect to use diverse ISF Agents for each and every independent submitting. Also, individuals ISF Brokers may well use both vessel AMS or ABI to do these separate filings. However, if a unified entry submitting is staying done, ABI will have to be utilised and the ISF Importer need to self-file or use a certified U.S. customs broker to do the submitting on their behalf.

If an importer utilizes many Customs Brokers can the importer select a single customs broker to do an ISF and another customs broker to make entry (on the very same cargo)? CBP Answer: Yes, except the submitting is a “unified filing” in which situation the filing ought to be finished by a solitary entity.

If import compliance procedure will not be completely ready till April or May well of 2009 ought to I get a third party to file my Importer Security Filing? CBP Remedy: During the structured evaluate and flexible enforcement interval, in order to present the trade ample time to change to the new prerequisites and in consideration of the business approach improvements that may possibly be essential to achieve entire compliance, CBP will demonstrate restraint in implementing the rule, getting into account troubles that importers may face in complying with the rule, so lengthy as importers are generating satisfactory progress toward compliance and are producing a good religion work to comply with the rule to the extent of their present potential. CBP will think about an entity’s progress in the implementation of the rule through the delayed enforcement time period as a mitigating variable in any enforcement motion following the delayed enforcement period.

Does the ISF Filer need to be located in the U.S.? CBP Respond to: No.

Does the “filing agent” for the importer have to be a Certified Customs Broker? Can it be the foreign freight forwarder? CBP Remedy: A submitting agent does not have to be a customs broker besides for the situation of a “unified submitting.” A international freight forwarder can also be a submitting agent.

Source by Nick Matyas