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A Bunch of These Navient Private Student Loans May Really be Eligible for Bankruptcy Discharge Today

By on June 14, 2016

Bankruptcy attorney Chad Van Horn has recently filed suit against Navient for attempting to purse student loans after a consumer bankruptcy. The issue stems from the fact the loans appear to not be protected from bankruptcy, yet Navient continued to attempt to collect on them. If the loans were not protected in bankruptcy, they would have been fully discharged and Navient’s attempts to collect would create a HUGE issue for Navient.

This would also create a big potential windfall for attorneys who go after Fair Debt Collection Practice Act violations. Cha-ching!

I have previously talked at length about these types of private student loans that are not eligible for bankruptcy protection.

In this case put forward by Van Horn on behalf of his client, the stated facts are that Williams enrolled in a “bar study loan” for preparation before taking the Florida State Bar Exam to become a qualified lawyer in Florida.

The complaint says “Just after graduation in April 2011, Plaintiff received a Bar Study loan in the amount of $8,000.00 (the “Loan”) in order to prepare for the Florida State Bar Examination in July of 2011.

From the loan Plaintiff paid for a full Barbri preparation course and a partial Kaplan PMBR course.

Barbri and Kaplan are both commercial Bar preparation courses, which run for approximately eight weeks prior to the Bar Exam, and allow the test taker to review what she has already learned in law school and to learn Bar Exam-tested subjects that she has not yet studied. Both Barbri and Kaplan courses provide test takers with materials and a study plan to help prepare for the Bar exam.

Plaintiff used the remaining proceeds from the loan to pay for the living expenses of herself and her children while she studied for the Florida State Bar Examination and to cover the accommodations needed to sit for the Florida State Bar Examination.

In September of 2011, Plaintiff received an additional Bar Study loan in the amount of $7,000.00 (the “Loan”) in order to cover additional living expenses that the Plaintiff was unable to cover due to lack of employment.

Barbri and Kaplan, however, are not title IV eligible institution as that term is defined in 26 U.S.C. § 25A(f)(2) or Section 481 of the Higher Education Act. Thus, no money lent to Plaintiff could have been originated, characterized, or classified as a qualified education loan.”

It seems clear from the court documents that Navient felt the private student loans were not discharged. They continued to attempt to collect.

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Well if they are not Title IV certified then as far as I’m aware the private student loans would not be protected in bankruptcy and should be discharged in the original bankruptcy filing. Of course I’m not an attorney and I’m sure a bunch of attorneys will be duking out these issues in court.

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But in researching this story I came across an unusual situation. My go to resource to see if a school was approved by the Department of Education was the Database of Accredited Postsecondary Institutions and Programs. The assumption was always that a school would not appear in this Department of Education database unless they were eligible for federal funds in a Title IV program. But this case blew that assumption out of the water! And that assumption is held by many people. But apparently there is no resource for determining the Title IV eligibility of a school without a lot of footwork and research.

Now there is a listing of current schools eligible for Title IV federal student aid programs but it is not easy to find and there is no historical record I can find. Probably the easiest way to determine if a school is Title IV eligible is to have some record of their FAFSA school code or lack of the school code, at the time of attendance.

Schools are denied Title IV funding or removed from the program on a weekly basis. For example, drilling down into data I can see that in the past month Pike County Career Technology Center, ABC Beauty Academy, Kilian Community College, Mueller College, and Trinity Lutheran College have all lost eligibility for one reason or another. This is not information that is easy to find for the average person.

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Even though Kaplan Test Prep is shown in the database as accredited by the Accrediting Council for Continuing Education and Training (ACCET) as a vocational school and ACCET says vocational schools are eligible Title IV schools, that is not entirely true.

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From the ACCET website member listing.

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But Kaplan Test Prep is very clear they are actually not Title IV eligible and thus the private student loans for Kaplan Test Prep courses would not be protected in bankruptcy.

Rather than make any more assumptions about Title IV participation I went to the source, Kaplan. The Kaplan website is clear they are not eligible for Title IV programs. – Source

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Russell Schaffer from Kaplan Test Prep confirmed this with me. He said, “Loans for bar prep with us are NOT Title IV.”

And just in case you need any more support for this fact we can turn to another Kaplan related page on their Metis website. – Source

The Metis site both confirms Kaplan Test Prep is accredited by ACCET and is not Title IV eligible.

“Kaplan, Inc. launched Metis in 2014 and has been awarded accreditation by the Accrediting Council for Continuing Education & Training (ACCET) for all Metis data science programming. ACCET has been recognized by the U.S. Department of Education since 1978, and Kaplan Test Prep, a division of Kaplan, Inc. has received back-to-back 5-year grants of recognition” And, “Although Metis is accredited by ACCET, we are not accredited as a Title IV organization…”

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Kaplan appears to have been very clear about the fact their Kaplan Test Prep classes were not eligible for Title IV funding. And without the Title IV accreditation the institution would not, in my opinion, meet the definition of an “eligible education institution.” As bankruptcy attorney Craig Andresen says, “or perhaps the loan was not for attendance at an “eligible education institution” because the school was not accredited under Title IV of the Higher Education Act. All these are requirements imposed by section 221(d) of the Internal Revenue Code. Failure of a private student loan to meet any of these criteria means that the loan is fully dischargeable, because it would not qualify under section 523(a)(8) of the bankruptcy law.”

Kaplan Test Prep

Kaplan Test Prep provides a great service for people facing tough testing. Their line of courses includes test prep for a wide range of studies.

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This issue with Navient and Title IV funding is not a get out of jail free issue for people to just walk away from their student loans but for people like Verhonda Williams who needed the legal protection of bankruptcy, they should not be told their student loans were not discharged when in fact they actually were.

I wonder how many others are in the same boat or who did not pursue a fresh start allowed by law because they thought their Kaplan Test Prep private student loans were not able to be discharged in bankruptcy.

This doesn’t feel like any sort of conspiracy but just an administrative mistake that Navient should jump on immediately to fix and to review their records and fix all the accounts they attempted to collect on after the student filed bankruptcy.

I’m not going to contact Navient on this since this is part of an active lawsuit I’m going to assume they are going to deny the facts alleged and not give me any sort of statement admitting any fault. We are just going to have to wait for this case to make it’s way through the court.

If anyone would like more information on this case I would urge you to contact Chad Van Horn through his website.

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

About Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

  1. Elizabeth Richins

    July 19, 2017 at 10:05 pm

    I looked at a previous post you had posted and found more information on the Title IV. I went to the website and downloaded the Title IV Program Volume Reports for the years my husband attended the Art Institute of California – San Francisco, and I didn’t see them on the list. Does that mean his loans would be discharged in bankruptcy?

    • Steve Rhode

      July 20, 2017 at 9:41 am

      You’d have to see if they were FAFSA eligible during those years. The loans may have been in the name of the parent company. I see in the internet archives that back in 2010 they were FAFSA eligible. What years did he attend? Keep in mind there are at least other ways all or parts of the loans may be eligible for discharge. Especially if the amount of the loans was more than the cost of attendance.

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Hamilton leads Friday Practice 1

Lewis Hamilton topped the timesheets in Friday Practice 1 in Malaysia, as engine woes struck Red Bull yet again.

While Hamilton’s fastest lap of 1.34.921 was enough to put him on top, Sebastian Vettel complained of a lack of power under acceleration for the entire session. He was therefore unable to set a proper time, with a best lap of 1.36.043.

Behind Hamilton was Nico Rosberg in the Mercedes. He finished 0.185 seconds back, one tenth ahead of Jenson Button in third. Michael Schumacher was happy with fourth, Robert Kubica impressed with fifth, and Mark Webber was able to get sixth.

Force India are still on the pace, with Adrian Sutil leading the charge in seventh, albeit one second off Hamilton’s time. Paul di Resta took Vitantonio Liuzzi’s seat, and did well to get fifteenth. Ferrari focused on long-fuel runs rather than short sprints, with Fernando Alonso and Felipe Massa getting eighth and eleventh respectively. Vettel was just behind Alonso, while Sebastien Buemi topped off the top ten.

Kamui Kobayashi showed slightly better pace than in Bahrain and Australia, with twelfth. His team-mate, Pedro de la Rosa, could only get sixteenth. Still, there were no front wing failures in FP1, which was a nice change of form.

Jaime Alguersuari finished thirteenth while Vitaly Petrov was fourteenth. Behind Di Resta and De la Rosa, the Williams duo of Nico Hulkenberg and Rubens Barrichello finished seventeenth and eighteenth respectively.

Behind them was the usual scene of the new three teams. This time Jarno Trulli took the honours of being the best of the new boys, with a best time of 1.39.460, which was 4.5 seconds off the pace, but only 1 second behind Barrichello. Fairuz Fauzy did well, finishing 1.3 seconds behind Trulli in 22nd. He went off track twice, once spinning at Turn 12, the other bouncing the car across the kerbs.

The Virgins of Glock and Di Grassi got 20th and 21st respectively, with Glock 0.3 behind Trulli. The HRTs finished off the back row, with Senna leading Chandhok by one tenth. Both drivers were seven seconds behind Lewis Hamilton.

Apart from Fauzy, there were several incidents. Michael Schumacher missed the first hour of track time, as his Mercedes crew fixed a hydraulic problem on his car. Jaime Alguersuari’s run ended early, as his car slowed while on track. Both Pedro de la Rosa and Felipe Massa ran wide and into the gravel at Turn 11.

Times from FP1:

Driver Team Fastest lap Difference # of laps
1 Lewis Hamilton McLaren-Mercedes 1.34.921 19
2 Nico Rosberg Mercedes GP 1.35.106 0.185 19
3 Jenson Button McLaren-Mercedes 1.35.207 0.286 25
4 Michael Schumacher Mercedes GP 1.35.225 0.304 14
5 Robert Kubica Renault 1.35.402 0.481 22
6 Mark Webber Red Bull-Renault 1.35.479 0.558 22
7 Adrian Sutil Force India-Mercedes 1.35.955 1.034 20
8 Fernando Alonso Ferrari 1.35.969 1.048 20
9 Sebastian Vettel Red Bull-Renault 1.36.043 1.122 19
10 Sebastien Buemi Toro Rosso-Ferrari 1.36.100 1.179 20
11 Felipe Massa Ferrari 1.36.451 1.53 22
12 Kamui Kobayashi Sauber-Ferrari 1.36.503 1.582 28
13 Jamie Alguersuari Toro Rosso-Ferrari 1.36.645 1.724 18
14 Vitaly Petrov Renault 1.36.712 1.791 9
15 Paul di Resta Force India-Mercedes 1.36.891 1.97 25
16 Pedro de la Rosa Sauber-Ferrari 1.36.899 1.978 24
17 Nico Hulkenberg Williams-Cosworth 1.37.802 2.881 27
18 Rubens Barrichello Williams-Cosworth 1.38.278 3.357 18
19 Jarno Trulli Lotus-Cosworth 1.39.460 4.539 21
20 Timo Glock Virgin-Cosworth 1.39.755 4.834 17
21 Lucas di Grassi Virgin-Cosworth 1.40.159 5.238 25
22 Fairuz Fauzy Lotus-Cosworth 1.40.721 5.8 19
23 Bruno Senna HRT-Cosworth 1.41.832 6.911 27
24 Karun Chandhok HRT-Cosworth 1.41.966 7.045 24

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Daily Archives: October 22, 2012

An amateur’s guide to photography and taking F1 photos

This year’s British Grand Prix was my first ever live Formula 1 race, and a chance to see how I could fare with some half-decent photographic equipment in my hands.

I was fairly happy with the photos I took, but in no way did they compare to proper professional photos. Still, it was a seriously fun experience, and I thought that I’d write a relatively basic guide to shooting F1 cars for enthusiasts.

Like I said, I’m only an amateur/enthusiast photographer, so don’t take this article as absolutely essential guide – there’s thousands of better motorsports photographers out there.

My personal favourite F1 photographers are Keith Sutton and Jamey Price. If you wanted a more complete F1 photography guide, take a look at their shots for inspiration.

Camera gear

It’s fairly basic, but also essential that you know your gear before heading off.

For newcomers or general amateurs, a basic point-and-shoot is all you’ll need or want. The most important thing is that it’s easy to understand and use, as well as having some decent shooting quality. My personal preference is the Canon Powershot G series, but they’re a bit pricey. A Panasonic Lumix DMC is good as well.

However, bear in mind that point-and-shoots will lack in quality, especially when zoomed in. If you’re looking for sharp images, then you should move on to DSLRs.

A low-end DSLR will set you back around €400+ for the body only, then you have to look for a suitable lens. If you want to spend less, take a look at a used Canon 450D or equivalent. Personally, I use a Nikon D3100, which is fine, but not particularly sharp.

The more important aspect is the lens you’ll be using. The general consensus is that your telephoto lens’ focal length should exceed 200mm at the very least. I used a Sigma 70-300mm (€150), and that was plenty to get close-ups while sitting in the stands.

Newcomers may be confused at to why some telephotos like mine only cost €150, while there are 70-200mm lenses on sale for over €1000. For advanced users, focal length isn’t the main issue – it’s low f-stops (aperture) and maximum sharpness. I’ll get into this technical aspect later.

Still, my main piece advice for amateurs and budding enthusiasts is the same – bring more memory cards and batteries than you can handle. You’ll want to take as many pictures as possible, and to have your camera run out of space/battery in the middle of the day isn’t something you want to experience.

Practice, practice, practice

I’ve been practicing photography for over 2 years now, and I still can’t exploit the full potential of a low-end DSLR. This is something you’ll want to minimize before heading to a race, as you need to know exacyly how your camera is going to perform.

The best move you can do is practice using your camera as much as possible, even if it’s a point-and-shoot. Having spent a lot of my time shooting badly-lit local gigs, I was caught out with the amount of light available at the race weekend, and it showed in my Friday photos.

Taking pictures of moving objects is a good way to get used to the camera. While doing this, it’s best to fiddle around with a few options on your camera’s manual mode setting, namely ISO, shutter speed and f-stop (aperture).

ISO is a dead acronym, formerly used to describe how sensitive a reel of photo film would be to light. The higher the ISO, the brighter the picture, but at the expense of “grainy” images. In bright daylight, grain isn’t as noticable, but if it rains or gets darker, you’ll notice fairly quickly how your images deteriorate. With digital cameras, ISO now refers to how sensitive the actual camera sensor (in the camera body) will be.

Shutter speed refers to how long the lens shutter stays open. If the light is good, you’ll be shooting F1 cars at 1/200th of a second and quicker. If your picture is too bright, increase shutter speed (eg, to 1/320th), and if it’s too dark, slow it down, to say 1/100th of a second.

The third factor is, to me, is the trickiest – the F-stop. The f-stop, or aperture, refers to how much light is taken in by the camera while the shutter is open. If you are running a high f-stop (eg. f/8), your images will have less light, but the focus is sharper, and more of the photo frame will be in focus. A lower f-stop (f/2.8) will allow for much brighter pictures, but it will be trickier to get the subject into focus.

Applying technical knowledge into photos

If you’re new to the photographic experience, you should probably skip this one – it’s best to master the basics first.

Utilising the shutter speed, f-stop and ISO of a camera will help you perfect a photograph – far better than the camera’s auto mode. However, in order to make your photos stand out from the crowd, you may want to get a little artistic.

If you’re used to your camera, and have a decent lens, you should be able to get a nice stable, sharp shot of an F1 car, disregarding composition of the picture. But, many of your shots will end up looking the same this way.

My favourite F1 photos are of the car in perfect focus, but the background blurred perfectly, to give the viewer a true experience of the sheer speed. Technically, this is quite difficult for beginners and sometimes intermediates, because you’ll have to apply technical knowledge of the camera in a different manner.

To blur your shots, select a much slower shutter speed (eg. 1/25th), and raise your f-stop accordingly to balance out the light. When taking the shot, you’ll have to pan the camera with the moving target, keeping the car in the exact same spot in the frame at all times. I struggle to master this technique, but if you can pull it off, it makes for a very nice shot indeed.

Photo composition

This section is much more broad, since all good photographers express their photos differently.

If you’re happy that you can get the light balance correct in a photo, and can make different types of shots using different techniques, then you can move on to composition.

However, how you line up your shot, and how you execute it, is completely up to you. Personally, I try to get as low as possible, to make the F1 car appear more important and intimidating, but this is nearly impossible from the middle of a grandstand.

Taking a general admission space at an F1 race is also another way to go, but then you’re restricted to a certain style of shot, so you’ll have to keep moving around to keep your shots interesting.

The high-end F1 photographers are the ones to look to for the best composition inspiration. Putting the F1 car out of focus, or at the edge of the shot, can make for some stunning pictures, but this is best left to the experts.

At the end of the day, composition is best learned with experience – learn the basics, shoot the types of pictures that you enjoy, and go from there.

Other advice

  • Don’t spend all of the weekend behind the camera – enjoy the view and the noise!
  • Try to take pictures of the atmosphere as well, it makes it much more enjoyable looking back
  • Try to review your photos in the evenings, and see what makes a good photo.
  • Increased work brings rewards in photography. Try different things and see how your work improves
  • Better gear does not equal better photos. If you don’t 100% know why you need the new Canon 1DX, you don’t need it.

About me

I shot the 2012 British Grand Prix on a Nikon D3100, a 50mm and 70-300mm, and lots and lots of SD cards.

My half-decent shots from the weekend are available here.


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Milk Thistles and Bees

Ginette Painting Milk Thistle and Bees Watercolor and Ink

Milk Thistles and Bees – Medicinal Plants

12 inches by 9 inches Watercolor & Ink on Watercolor Paper
Frame and Mat not included.

Medicinal plants is something I have been studying and have a great interest in my whole life. This was instilled in me by my grandmother. Healing plants are all over the world, most people just don’t realize it. So I never refer to them as weeds.

The medicinal power of Milk Thistle is proven. I also think it is a very beautiful plant and it attracts bees.

I find it sad that many large wild meadows disappear, so I was happy to see a nearby community called Serenbe Georgia, creating and preserving natural places. On my next trip I will have to explore the wildflower meadow and linger there for a while.

You can also see a video of this with me talking about art and this particular herb.

See me on Patreon and make a donation in any amount to support what I do. Better yet purchase some art or artprints.

How I create my watercolor & ink paintings: “I first do most of the ink work. I do not pre draw anything. I go straight to work with various nib sizes and dipping ink. The objective is to be loose and painterly. After establishing the ink lines I use watercolor to create shadow and light and vibrant colors, I work in layers. There is no erasing whatsoever, so everything even inks droplets that may fall are part of the art. Incidentals like ink drops are some of my favorite parts. Finally I add more ink lines to enhance certain areas in the painting. I then sign in ink and voila!”

see me paint a watercolor


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Remembering The Legend Of Muhammad Ali

Very seldom do people ever have the opportunity to watch an individual rise beyond the limitations, obstacles, and challenges that we as human beings so often encounter on the journey to achieving greatness, but on those occasions that we do witness a person achieve such feats we know in our hearts that that person is not only special, but that person after having faced the test of man and time like how steel faces the test of fire before it reaches a more purified state will change the world. That being said Muhammad Ali was many things he was an activist, a world champion, a father, an icon, and one of the most controversial figures that ever lived but perhaps the greatest thing that he has ever achieved is the fact that he has inspired millions of people in the way that he lived and the example that he set in life, such as the example that he set when he called for peace in the wake of the 9/11 terrorist attacks. It would take hours or even days to sum up all of the things that Ali accomplished in life and instead of following suit after the countless other writers that wrote down every minute detail of Ali’s life, I will simply speak from my heart and say two words that sum up all of the emotions that I feel when I think of Ali. Thank You.

Thank you for taking a stand in when you refused to fight in the Vietnam War and being one of the figures that brought the conflict to an end. Thank you for being a man of conviction and following those convictions even when they weren’t the most popular ones. Thank you for defying racism, your participation in the Civil Rights Movement and being outspoken in all the injustices that you witnessed in your lifetime. You know I wish that like so many others I would one day have the chance to meet you and shake your hand and say that I’m your biggest fan like you’ve heard so many other countless people say, I wish I could have asked you questions like who gave you the toughest fight of your life, did you ever once doubt yourself and if so how and what did you do to re inspire yourself, and if you could go back and change one thing you did in life what would it be. But I guess I won’t get that chance now. they say that you can destroy a man’s body, but if you devote yourself to an ideal and if they can’t stop you, then you become something else entirely and that is legend. So you may be gone Ali but in our hearts and in the hearts of every boxing practitioner, rising star, current and future Hall of Famers you will never be forgotten. images Thank You

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Last Week’s Sauce: Halloween Edition

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Artist & Title: the Disco Biscuits – I Am One
Date & Venue: 2009-10-31 Auditorium Theater, Chicago IL
Taper & Show Download: Jon G.

The venue was the legendary Chicago Theater and the Disco Biscuits didn’t do anything too crazy in regards to their setlist except for this Smashing Pumpkins cover. tDB are hitting California for some makeup shows starting November 18th in San Diego.

Artist & Title: moe. – Stash
Date & Venue: 2009-10-31 Washington Ave Armory, Albany NY
Taper & Show Download: Rob Clarke

The fans got to vote on the setlist for the moe. Halloween show and the results were pretty crazy. Stash, Dark Star, Eyes Of The World, Echoes, Fuck Her Gently, all sorts of stuff. moe. plays tonight at the Lincoln Theatre in Raleigh.

Artist & Title: Perpetual Groove – Oh Yeah
Date & Venue: 2009-10-31 The National, Richmond VA
Taper & Show Download: joel at jamlivedotorg

PGroove had a great theme for their Halloween show, the music from the movies of the recently deceased John Hughes. This performance is complete with a few quotes from Ferris Bueller’s Day Off. PGroove plays tomorrow night at the Aggie Theater in Fort Collins.

Artist & Title: Phish – Ventilator Blues > Just Want To See His Face
Date & Venue: 2009-10-31 Festival 8, Indio CA
Taper & Show Download: gotfob

In my opinion, Phish sounded best on the mellower tunes from Exile. This combination of these two tunes being my personal highlight from the festival. Phish next plays two weeks from today on Wednesday, November 18th in Detroit.

Artist & Title: Soulive – Eleanor Rigby
Date & Venue: 2009-10-31 Neighborhood Theatre, Charlotte NC
Taper & Show Download: Brian Hadella

Soulive’s second set at the Neighborhood Theater consisted completely of Beatles covers. Soulive tours the UK starting November 14th.

Artist & Title: Umphrey’s McGee – Hollywood Nights
Date & Venue: 2009-10-29 House Of Blues, West Hollywood CA
Taper & Show Download: Z-Man

A tape of UM doing their mashups from Las Tortugas hasn’t hit the Internet yet, but UM sent the crowd at the West Hollywood House Of Blues out with a bang debuting this city-appropriate Bob Seger cover. UM gets back on the road a week from today with a show in Toronto followed by a three night stand at the Higher Ground in Vermont.

UM Practices one of their Halloween Mashups:

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Journals Higher Education

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The Christian Century and the Rise of the Protestant Mainline

Elesha J. Coffman

  • The first full-length, critical study of The Christian Century, which is widely regarded as the most influential religious magazine in America for most of the twentieth century.
  • Argues controversially that mainline religion was never really mainstream in America.


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Globus Medical Announces Acquisition of Robotics Developer KB Medical

| Source: Globus Medical

AUDUBON, Pa., Aug. 02, 2017 (GLOBE NEWSWIRE) -- Globus Medical, Inc. (NYSE:GMED), a leading musculoskeletal solutions manufacturer, today announced that the acquisition of KB Medical, SA, a robotic developer based in Lausanne, Switzerland, closed during the second quarter of 2017.

“The acquisition of KB Medical demonstrates Globus Medical’s continued commitment and enthusiasm for the potential impact of robotic technology on surgery,” said Dave Demski, President, Emerging Technologies. “The addition of KB Medical will enable Globus Medical to accelerate, enhance and expand our product portfolio in Imaging, Navigation and Robotics. KB Medical’s experienced team of technology development professionals, its strong IP portfolio, and shared philosophy for robotic solutions in medicine strengthen Globus Medical’s position in this strategic area.”

About Globus Medical, Inc.
Globus Medical, Inc. is a leading musculoskeletal solutions company based in Audubon, PA.  The company was founded in 2003 by an experienced team of professionals with a shared vision to create products that enable surgeons to promote healing in patients with musculoskeletal disorders.

Safe Harbor Statements

All statements included in this press release other than statements of historical fact are forward-looking statements and may be identified by their use of words such as “believe,” “may,” “might,” “could,” “will,” “aim,” “estimate,” “continue,” “anticipate,” “intend,” “expect,” “plan” and other similar terms.  These forward-looking statements are based on our current assumptions, expectations and estimates of future events and trends.  Forward-looking statements are only predictions and are subject to many risks, uncertainties and other factors that may affect our businesses and operations and could cause actual results to differ materially from those predicted.  These risks and uncertainties include, but are not limited to, factors affecting our quarterly results, our ability to manage our growth, our ability to sustain our profitability, demand for our products, our ability to compete successfully (including without limitation our ability to convince surgeons to use our products and our ability to attract and retain sales and other personnel), our ability to rapidly develop and introduce new products, our ability to develop and execute on successful business strategies, our ability to successfully integrate the international operations acquired from Alphatec, both in general and on our anticipated timeline, our ability to transition Alphatec’s international customers to Globus Medical products, our ability to realize the expected benefits to our results from the Alphatec acquisition, our ability to comply with laws and regulations that are or may become applicable to our businesses, our ability to safeguard our intellectual property, our success in defending legal proceedings brought against us, trends in the medical device industry, general economic conditions, and other risks.  For a discussion of these and other risks, uncertainties and other factors that could affect our results, you should refer to the disclosure contained in our most recent annual report on Form 10-K filed with the Securities and Exchange Commission, including the sections labeled “Risk Factors” and “Cautionary Note Concerning Forward-Looking Statements,” and in our Forms 10-Q, Forms 8-K and other filings with the Securities and Exchange Commission.  These documents are available at www.sec.gov.  Moreover, we operate in an evolving environment.  New risk factors and uncertainties emerge from time to time and it is not possible for us to predict all risk factors and uncertainties, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.  Given these risks and uncertainties, readers are cautioned not to place undue reliance on any forward-looking statements.  Forward-looking statements contained in this press release speak only as of the date of this press release.  We undertake no obligation to update any forward-looking statements as a result of new information, events or circumstances or other factors arising or coming to our attention after the date hereof.

Daniel Scavilla
Senior Vice President, Chief Financial Officer
Phone: (610) 930-1800
Email: investors@globusmedical.com


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Time Change

Remember to set your clocks back 1 hour on, Sunday, November the 5th.

New to Burnaby Mountain & Riverway Driving Ranges!

Improve your swing over the winter! Both Burnaby Mountain and Riverway are offering new ES15 launch monitors on their ranges! You will be able to measure your distance, ball speed, spin rate, smash factor and club speed for each shot. If you wish to analyze your swing's DNA, come check out our innovative new launch stalls! Easy to use with instant feedback - 15 minutes for only $6.00 (tax included). By connecting your smart device to the ES15 through Bluetooth, you will also have access to the free app and can record your session, save and analyze your data. Come and check it out!

Burnaby Mountain Range Closure

The Burnaby Mountain Driving Range will be closed for maintenance until 10am on Thursday, October 26th. Thank you for your patience as we continue to improve our facilities for golf!

Central Park Pitch & Putt Update

Central Park Pitch & Putt is currently open Fridays, Saturdays, Sundays, and holidays. Monday, November 13th will be the last day of our season.

Celebrate Burnaby's 125th Birthday!

Please join us as we celebrate Burnaby's 125th Birthday on the weekend of September 22, 23, & 24th. Buckets of 25 balls will be available for $1.25 per person and clinics are being offered at 1:25pm on Friday, Saturday and Sunday for only $1.25 per person! Happy Golfing!

Is My Driver Swing Efficient?

We've all asked this question before. Is my golf ball going as far as it should with the effort I'm putting into my swing?

The answer for most people is no.

Driving Range Safety Regulations

Although we want everyone to enjoy the Driving Range facilities, safety is our #1 priority. Below are some key regulations that are enforced by our staff to ensure the safety of all patrons:

Safety on the Range

Summertime brings more people of all ages and calibers to our driving range facilities to learn, improve, or hone their golf skills! Many of us love the peaceful feeling we have as we’re hitting balls the range, loving the sound of our driver as it strikes the ball and sends it close to the 300 yard target! Although we want everyone to experience Burnaby’s range facilities with new mats and balls, we need people to always be mindful of safety and etiquette on our ranges.  For your safety, here are some things to be aware of while on the range:
• One person per stall. Spectators must stand on the walk-way behind designated tee boxes while golfers are swinging.


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A tale of two carnivals.

How does one go to run a stall in an impromptu carnival, organized by local residents for the up keep of their neighborhood park which happens to be named High Street Park?

The answer to that is really simple.

High and happy.

The first thing I notice was a little toddler walking to a tree and giving it a big hug.

She seemed high and happy.

The setting was sublime.

Trees all over, high and happy people all over.

I am still not sure if the whole thing was a conspiracy by the parents, just to have a blast.

The kids were running, falling, painting, being high and happy.

It was so high and happy that it was pissing off.

No seriously it was cool.

We got to meet the editor of a collection of short stories on Bangalore.

Do not remember the name of the author or the book need to up the memory meds 😛

Met Aashti Mudnani who runs the awesome Lightroom Bookstore.

Met a few good friends.

Had a special – on romance.

Sack of romance.

We managed to get some mike time to announce that we had a sack-o-romance on special.

The first words I think I heard was “Did I hear that there is a special on romance?”

Must have been my imagination.

Sacking the romance novels

I tried real hard to sell the whole bag but this snowy-haired woman said something about choices.

All in all the whole thing was a blast and I believe the whole bunch of people raised a sizable amount for the upkeep of the place.

Which is fucking awesome, things like these give a little hope to the cynics of the world.

There is hope.

There are people who give a fuck.

Kind of like ‘The Zero Marginal Cost Society’, by Jeremy Rifkin, only thing right here, right now.

Organizers of some of the stalls.

Almost forgot, this was supposed to be a tale of two carnivals.

The other one happened in Whitefield.

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She-roes for the Future

“It’s a girl,” can be either the most sad or most glad three words, depending on the circumstances.

On October 11, 2012, the first observance of the Day of the Girl will be celebrated worldwide. 10.11.12 is more than a day—it’s a movement. An ongoing call to educate each other about the importance of girls, to speak out against gender, social, and economic injustices, along with advocating opportunity to pursue one’s dreams.

It’s still not easy being a girl in many places today. The sobering facts include 200 million girls are abandoned or neglected in developing countries just because of gender. Two-thirds of uneducated children are girls, and two-thirds of the world’s adults are female. One out of seven girls are married off before age 15. Negative media images cause over 50% of U.S. tween-age girls to fret over their appearance and weight issues.gorls can do itThat’s why it’s so important to call attention to the valuable resource that girls hold for the future of the world. An empowered, educated female can benefit from: improved nutrition and health; lower birth rates; increased presence in creating socially just policies; improved productivity and growth.

After viewing the acclaimed documentary, Half the Sky, last week on PBS, I am passionately encouraged to continue speaking out on behalf of all young women—to reduce the under-representation, discrimination, and violence of my sisters.

a YouTube from the [Campaign for Female Education] sums up nicely the challenge that lies before us, and how it can be addressed. For all females to have access to education is a basic right, not a selective privilege.

Change starts with HER.

About got2care

A Midwest, big-city Cultural Creative feminist, who believes that caring and creativity go together. Interests in my blogs can include: the green lifestyle, writing, educational reform, literary topics, and being creative.
This entry was posted in Difference Makers, Ideas, Organizations, Women's Issues and tagged , , . Bookmark the permalink.

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Veterans Dance Free in May

Join us for our Armed Forces Day dance on Saturday, May 21st!

This will be an all singing calls dance, and we will honor our veterans by letting them dance for free!

Join us at 7:30 for pre-rounds, with the square dancing starting at 8.

We’ll be welcoming the talents of Marvin Rumph and Charlie Johnson as our Callers and Bonnie Lawrence as our Cuer.

We look forward to seeing you there!Merry Mixers May Dance 2016

Beginner Blast!

Though we aren’t hosting this event, we are always supportive of events that welcome new folks to square dancing!

If you’re new to square dancing, if you square danced years ago and you think you want to dance again, or if you just want to brush up on your dancing skills, the Beginner Blast is for you!

Here’s what you need to know:Beginner Blast

July 25th and August 1st, 2015

11:00AM – 10:00PM

Saint Andrew Episcopal Church

602 West Superior St, Kokomo, IN 46901

$15.00 per person per session

To Register & For More Information:

Darrin & Tammy Henry – 9747 South 50 West, Pendleton, IN 46064

New dancers should plan on attending both sessions (July 25th and August 1st).

We hope you can attend! Please feel free to reach out to us with any questions, and remember that our Mainstream Lessons begin in September!


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getting started as a new group leader

First Time Here?

First time visiting Check out the video above for more information about who we are and all the valuable resources you can find here.

First time leading?

The video above will give you a quick overview of the most important information new leaders need to know. Below you'll find training, resources, and articles that are specifically tailored to first-time leaders.

Featured Content

featured study

Connect + Grow:
Beginning Your small Group

This 4-week study will give you practical approaches to building healthy relationships and pursuing spiritual growth so you can make the most of your new group.

Before you begin the study, download and print the free PDF guide (

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Category Archives: Consignment Sales

Money Saving Tips for Shopping Consignment Sales

The best advice for consigning and shopping comes from the savvy mommies who have been consigning for years and years!  If you are looking for ideas for shopping this weekend, here you go! Here’s a great list of shopping tips for  consignment sale shopping.
1. Keep an eye out for great deals and the items that aren’t such a good value.
If your child likes a certain brand, know the retail values of their products. This knowledge will help you know if you’re getting a good deal. Old Navy frequently runs a special on jeans, $10 a pair or two/$15. Paying $8 – $10 a pair at a consignment sale is not a bargain! On the other hand, a mom may be thrilled to find a pair of $12 – $15 Abercrombie & Fitch jeans for her son. Moms with daughters, are you looking specifically for smocked Bishops? Scan the tops of the hangers, because these dresses sit higher on the hangers than most items. It’s the best way to spot them when there is a large volume of clothing in the girls’ section.

2. Check into early shopping opportunities!

Many sales have preview sales before they open the doors to the public. Traditionally, volunteers and consignors have the first opportunity to shop. Extending invitations to new parents, military families, and/or teachers is a growing trend. You may even find sales offering the chance to shop early in exchange for a donation to a non-profit organization. Check with the sales in your area about their preview sales. Preview sales give savvy shoppers a chance to find the largest selection of big item tickets and bargains without a huge crowd.

3. Make alternate arrangements for your children during the sale.

Your sale may have a restriction on when/if children can attend. Even if your sale allows children, you may find the experience less stressful if your kids are at home. The lines and crowds can test the patience of even the best child. You’ll also save money by resisting impulse items that your kids just have to bring home.

4. Check with the sale ahead of time to see what types of payment they accept.Many accept cash or checks only. Don’t forget to bring your driver’s license for checks or credit card purchases.

5. Be prepared to wait. Consignment sales often have a line for check-out.Use your wait time to be productive. Go through your items and make sure you want everything you’ve picked up. Waiting until you’re at the check-out point to weed through your piles can slow things down for everyone. If you don’t want to wait, find out when your sale’s slower days/times and mark them on your calendar.

6. Bring a large laundry basket with you.Using a basket with a belt or rope attached to one end will keep your hands free for shopping. If you live near an IKEA store, their large shopping bags are less than $1.00 and very durable. They can hold a lot of stuff and take up almost no storage room. Bonus: They’re great to hand to your kids when they need to do a quick clean-up in their play room when company’s coming.

7. String and poster board come in handy.

Before you leave, pull out a pair of your child’s pants that still fit well. Measure them from waist to hem with a piece of string, and then cut the string to match the length. If the pants at the sale are shorter than the string, you know they’ll be too short for your child to wear. For shoes, use a piece of poster board and a marker to trace and cut an outline of your child’s shoe. When you’re shopping, you can compare that shape to the sole of a shoe at the sale to see if it’s smaller, too narrow across the toes, etc. If it looks good and you’re still not sure about the fit, then let your child try on the shoes. You’ll save valuable shopping time and everyone will be much happier. This little step is much easier than struggling to unbundle many pairs of shoes for your little one to try on for size.

8. Keep in mind that these sales are not garage sales, so prices are not negotiable.

Your sale organizer can’t lower a consignor’s price, even if she thinks it’s overpriced too.

9. Come back at the end of the sale.If your sale discounts items on the last day, plan to go back and shop one more time. By then, the racks have cleared out and you’ll come across merchandise you missed the first or second time you looked, along with discounted items that may have been out of your price range originally.

10. Smile, be considerate of others, and have fun!Everyone’s looking for bargains at a consignment sale. Your positive attitude can rub off on someone else who is stressed over the whole experience. Consignment shopping can be a fun and rewarding for everyone. Don’t forget – smiles are contagious!


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Friday Ark, issue # 213. The Friday Ark is a wonderful blog carnival that was inspired by Friday Cat Blogging, which is an internet phenomenon that has done more to humanize the blogopshere than any other meme before or since. This blog carnival expands its focus from only housecats to include photographs of all animals.

About GrrlScientist

grrlscientist is the pseudonym of an evolutionary biologist and ornithologist who writes about evolution, ethology, and ecology, especially in birds. After earning a degree in microbiology (thesis focus: virology) and working at the Fred Hutchinson Cancer Research Center in Seattle, she earned her PhD in zoology from the University of Washington in Seattle, where she studied the molecular correlates of testosterone and behaviour in white-crowned sparrows. She then worked a Chapman Postdoctoral Fellow at the American Museum of Natural History in New York City, where she studied the speciation and distribution of lories and other parrots throughout the South Pacific Islands. A discarded scientist, she returned to her roots: writing. Formerly hosted by The Guardian (UK), she now writes about science for Forbes and for the non-profit think tank, the Evolution Institute and she writes podcasts for BirdNote Radio. An avid lifelong birder and aviculturist, she lives with a flock of songbirds and parrots somewhere in Germany.
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Thoughts on School Starting Early

Asiya Mohiuddin, Contributing Writer

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Summer break. The time to finally unfold and relax, with the reassurance that there’s still two months of absolutely no stress and no worries. However, the winter break students enjoy in the midst of a busy school year is another time students look forward to relaxing. This year at Glenbard West, summer was reduced by a week due to new scheduling which allows students to take finals before winter break.

Knowing the reasons for the change, many students are okay with it, and some have expressed their opinions about this.

Ali Syed, junior at West, said, “My opinion is that we should be thankful for this benefit provided to us by the school, and I believe it is sort of a compromise; you start school a week earlier than usual and end accordingly.”

Focusing on the end results seems to allow people to grasp a better understanding of the situation.

Zaina Ahmed, sophomore at West also looked at the change in a positive way stating,  “I was kind of mad, but I like it because I prefer the finals to be before winter break so I don’t have to stress about it.”

Stress is definitely a common thought when it comes to school, so it seems two weeks without it in the middle of the year is appreciated.

Finally, Liliana Aguilar, sophomore at West said, “Personally, I feel that school starting a week earlier helps the students get a better start and be ahead of others, but I felt that it stressed me out since I had to be prepared earlier. I guess I just got used to the idea to the school starting a little earlier that it kind of threw me off.”

Overall, school starting earlier has its ups and downs, and we hope it proves to be beneficial.

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Thoughts on School Starting Early


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Home » Hardware » modems
List of modems
model name
model: LSI Corporation Venus Modem (V90, 56KFlex)
possible other names of the device:
Actiontec PM560LKI
LSI Corporation
year of commercialization:
does it work with free software?
page list: 1
The contents of this page are in the Public Domain. (see the CC0 page for detailed information). Anyone is free to copy, modify, publish, use, sell, or distribute the text for any purpose, commercial or non-commercial, and by any means.
h-node.org is a hardware database project. It runs the h-source PHP software, version SVN-387, available under the GNU General Public (GPLv3) License.
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The Pen is Mightier… isn’t it?

Times have been changing faster then society can learn to accept. Ever said “I knew I should have written that down”? Well, welcome to the age of “I should have emailed it to myself”.

Internet (Photo credit: Wikipedia)

Society has become dependent on the internet, and this has lead to a mistaken perception that Americans are devolving intellectually due to ease of information access. The reason this idea has taken shape is due to the stigma associated with this age of easy information. The idea behind easy information is that you don’t have to walk ALL the way to your front door for the newspaper. Instead of searching through the shelves of a library, we just type in keywords in Google (Ever been told to “google it”?).Instead of driving to bookstores, we just buy a digital copy of the book online.

The time saved is said to be detrimental because it makes the thoughtfulness needed to obtain information obsolete in the face of the world wide web -Except when math is involved. This is a concern that has blinded some people to the fact that the internet is a tool. It isn’t something that causes action unless someone actually uses it. It’s like me telling you “D’oh! My lawnmower causes me to be tired man.” In that way, it isn’t fair to say that the internet is to blame for an apparent lack of critical thought in society. We’ve been brought into modern times thanks to the internet. How could it be the cause of critical thinking problems? We are in this age where the utility of cyberspace is only limited by what we haven’t thought of yet.

Some would argue that the internet is crippling us. They claim that slowly but surely we are coming to rely on the internet for all of our thinking. This is said to be the case because of the very blessing of fast information that it provides. Instead of memorizing things, people look it up on the internet. Instead of using a dictionary to find a word one doesn’t know, they just go to (Shameless endorsement, but when was the last time you picked up a dictionary to look something up, honestly?).

These conveniences are popularly, because people love to be conspiratorial,  thought to damage the critical thinking skills of people. Is this a sustainable arrangement? In order to be sustainable, it has to allow us to adapt and evolve to changing circumstances. The internet is an excellent example of a tool that allows people to continuously evolve by interacting with one another and sharing ideas –though trolls ruin the experience a bit. It gives us the convenience of direct communication to complete tasks more quickly to accommodate the rapid pace of an industrialized society. This speed, in turn, helps our society evolve technologically and socially.

Now the internet isn’t all pretty rainbows, unicorns, and other disturbing images of the like (Maybe not rainbows, but if I saw a unicorn in real life? That’s just creepy.). It can be a nasty place. Worse then the halls of any highschool, more terrible then being told you’re fired, and it might even trump the IRS (I get a cold shiver if I get a letter from them, because they are never mailing me to ask me how I’m doing.). It’s made people more bold, but… maybe things were better when people were afraid of retribution?

With that, I leave you with a question. In South Korea (yes that’s right. South Korea.) they have a rather glorious… okay maybe more crazy then glorious, but the bottom line is that they use this censorship against the citizens. So the question is: Does the internet make the South Koreans stupid, or is this purely an American way of thinking?

Maybe it would have been easier if we had continued writing things down.


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Fish Oil Omega 3 Halal Pure & Natural £0.15 p/softgel

Fish Oil Omega 3 Halal Pure & Natural £0.15 p/softgel

12.98 € 12.98 € 12.98 EUR

12.98 €

In mandje

Heart l Brain l Muscle l Joints l Learning l Fertility l Stress l Anxiety l Immunity l Moods. No alcohol or pork gelatin. Halal Financed & produced.

Brain, Heart, Eyes, Muscle, Joints, Learning, Fertility, Moods, Stress, Anxiety, Immunity, Weight loss Halal Certified.

Dosage two (2) tablets daily with water.

HalalVital Fish Oil is a pure, natural cold water Fish Oil. The HalalVital Fish Oil concentrate contains omega-3 fatty acids and due to optimal purifiying is highly absorbable. EPA are DHA are supporting heart* function. DHA contributes to the function and development of the brain and vision**. Vitamin E contributes to protection of cells against oxidative stress.

A healthy diet and lifestyle are important. Dietary supplements are no replacements of a varied diet. Keep out of reach of young children. Store at room temperature. Do not use if bottle is damaged.

Fish Oil benefits

Halal Fish Oil liquid softgels

Energy, brain development and eyes. Supports learning and memory.

Weight loss and recovery muscle. For appetite control and less sore muscles.

Stress relief and moods. Supports relaxation.

Strenghten Immunity. To avoid flu and cold. Anti inflammatory response.

Heart, lower blood pressure. Omega 3 supports cardiovascular health.

Fertility, lactation, menstrual benefits. Research shows relations in male and female fertility.

Fish Oil Deficiencies

Halal Fish Oil essential fatty acids

Omega 3 deficiency can cause lack of concentration and poor memory.  Check how wel you can concentrate. Click to do the FREE test.

Symptoms of Fish Oil deficiency. Do you lack Omega 3? Check out the symptoms here.

(Auto) Immunity and Respiratory problems like Bronchitis, flu and cold

Western diet is “deficient” in omega-3 fatty acids. Change your diet to a Meditarrenean diet to decrease the risks associated with Fish Oil deficiency. Reed all about Omega 3 rich foods.

Glycerine, gelatine (Halal Fish skin), purified water.

Suggested use

Two (2) softgels*** daily with water, preferably with a meal or as directed by a healthcare practitioner.
Dietary supplement for adults. Don't exceed the recommended dosage.
***The Daily dosage is sufficient for obtaining the required positive effect.

Free of

Gluten, Wheat, Milk, Soy, Artificial Flavor, Sweeteners.

Active ingredients per 2 softgels:

Fish Oil 1000 mg •18% EPA (Eicosapentaenoic Acid)/ 12% DHA (Docosahexaenoic Acid).

EPA 160 mg • DHA 105 mg.

Check out HalalVital's essential supplement and vitamin online shop United Kingdom for 100% Halal certified natural vitamins and supplements.

Distribution Centre

Industrieweg 154d

Best - The Netherlands

Company Reg. no.: 59224681

VAT no.: NL853376384B01

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  • Z. Ates on 02/01/2017 08:30:01

    Een aanrader! Ik blijf trouw bestellen.

  • hunter on 04/07/2016 11:28:18

    beste website ooit


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Monday, January 18, 2016

Masculine Birthday

Pin It
Hi everyone,

We have sunshine today but cool. Today's card is using the SU By the Tide set. What a great set for masculine cards. The base is staples 110 cs. I decided to review it and it is fabulous and very sturdy. I used my Micheal half price coupon. It is smooth and stamps well. The top layer is a basil CS. I have used most of the stamps in the set for the background using archival black ink.  The 2nd layer is staples 65 lb cs. I used the block by adding the ink on the block and spritzed with water. That was a hard part for me, I have OCD with the messy look but  just kept going even when I wanted to start over. Then I stamped  images of the sea horse one on white the other on velum. I also stamped the circle stamp on the layer. The velum was stamped with chocolate brown and turned it to the backside and popped up with dimentionals. The banner is a scrap piece and the stamp used is SU Well Scripted. I put the card together but still not sure I like it.  I have decided to leave it up to you people my lovely followers to help me with the decision.

Thank you for stopping in and have a fabulous fun day!

Avril Watson said...

Beautiful card Carol, perfect for the men in our lives, hugs xxx

lostinpaper said...

I agree, perfect stamp set for masculine cards (and I know I struggle making those... I need all the help I can get, if only men liked flowers, ribbon and sparkle life would be so much easier lol) Great choice of colours too!


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Girl with collection of dolls

Image by George Eastman House via Flickr

This is a different kind of concept combining fun, , goodwill and cause altogether. An amazing and interesting journey will be made by four dolls including mama,papa, sister and brother. These symbolic dolls who will represent a “HAPPYHOME” will spread the awareness about the campaign of “SAY NO TO BROKEN HOMES”, You can see the details of the project here HAPPY HOME JOURNEY

This “HAPPYHOME” will travel from one country to another and from one host to the other HOSTS. This is a great opportunity for every business that is related to the doll industry because the HAPPYHOME” representative doll will be selected after an interesting contest being made here on this Web blog. Interested companies please contact with the snaps of their dolls. For more details please read. GETBOTH

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