Do you know the origin of basketball?

Do you know the origin of basketball?
The origin of the game of basketball can be traced back to a gentleman named Dr. James James Naismith. Naismith was born in 1861 in Almonte, Ontario, Canada. During his early school days, Naismith would play a game called a duck on a rock, by which the child would try to throw the duck off the top of the rock by throwing another rock.
Later, Naismith would go to McGill University in Montreal and later to become McGill University's athletic director. He then transferred to the YMCA Training School in Springfield, Massachusetts, and in 1891 the game of basketball began.
Given the cold winters in Massachusetts, Naismith needed to find recreational activity that could be played indoors and preferred sports that would develop skill and one that did not rely solely on strength. We played our first game with two baskets with goals for peach and a soccer ball.
Naismith, to his credit, became a physician specialist in sports physiology and a Presbyterian minister. Naismith was able to see his beloved basketball sport, gaining acceptance in numerous countries through the YMCA since 1893. Likewise, the sport of basketball arose at the 1936 Berlin Olympics. As we speak, basketball has become a very popular professional sport.

So you want to know about the Salem Witch Trials – Part Five – how it ended and the bibliography

Note: This is the last part of a five-day series. For those who use this series to write reports, the end of the bibliography refers to all five sections.

How the hysteria of the Salem Witch ended

On October 12, 1692, the Massachusetts General Court held a meeting to decide what to do about the situation. They decided to ban further prisons for witchcraft.

On October 26, 1692, Massachusetts church leaders called for a state fasting day, hoping that God would give them an answer to the witch problem.

Although the charges were still pending, the people charged were released on bail instead of being thrown into already packed prisons. People started to notice mistakes made, and now leaders were trying to figure out how to stop it. They are trapped between a rock and a hard place. They could not very well forgive all the witches and admit that they killed 20 (including Giles Corey) innocent people, but they could not, by good conscience, allow the trials to continue. The questions lasted another 4 months, with 150 defendants sitting in jail. Finally in May, all the accused witches were released and could be released from prison until they were paid prison costs.

After many pleas, in October 1710, the General Court quashed all judgments of those who had a family to seek. Bridget Bishop, Susannah Martin, Alice Parker, Ann Prudeator, Wilmott Redd and Margaret Scott were not dismissed because they did not have a family to petition on their behalf.

On December 17, 1711, the families of executed witches received a sum of £ 578 and 12 shillings to be distributed among the 24 relatives of the accused witches.

The family of John Procter, the most populous of the hanged, gained 150 pounds.
The family of George Jacobs gained 79 pounds.
The family of George Burroughs, the minister who said the perfect "Our Father," gained 50 pounds.
Elizabeth Howe's family, which was quite wealthy, gained 12 pounds.
Sarah Good's husband, William, gained 30 pounds.
Abigail Hobbs weighed in at 10 pounds.

What happened to …

Mrs. Parris died in 1696.

Samuel Parris tried to keep the business in Salem Village, but friends and relatives Rebecca Nurse and Sarah Cloyce managed to get rid of it. He continued on to Stowe, discussing the terms of employment once again. It only lasted a year there. After Mrs. Parris & # 39; death, Samuel married a prosperous woman. He died in 1720.

Some of the "injured" girls, Betty Parris, Elizabeth Booth, Sarah Churchill and Mercy Lewis were all married (Mercy married after giving birth to an illegitimate child).

Nobody knows what about Abigail Williams, Elizabeth Hubbard, Susannah Sheldon and Mary Warren.

Ann Putnam never married. Both of her parents died in 1699, Thomas at age 46, and Ann Sr. at age 37, and Ann stayed to care for her 9 younger siblings. Ann, at 26, wrote an official apology read to the congregation by new minister Joseph Green. In her own words: "I am simply afraid that, instrumentally, with others, though unknown and unconscious, I have taken upon myself and this country the guilt of innocent blood … As I was the main instrument of indicting Goodwife Nurse and her two sisters., I want to lie in dust, and be humble about it. ”Ann grew into a sick woman and died at the age of 37, like her mother.

Author's Note In the research, I read extensively on the subject and found the best sources of information like Marion Starkey, the Devil in Massachusetts. And Satan's Delusion, Frances Hill. In my work, I listed my information in parentheses after each quote, but unfortunately the quotes did not make it through the transition program. I apologize for the inconvenience. Krista Delle Femine

Wealth Book Review: The Kabbalah of Money – Jewish Insights on Giving, Owning and Receiving

By: Rabbi Nilton Bonder (1996)

Posted by Shambhala Publications, Inc., Horticulture Hall, 300 Massachusetts Ave. Boston, Massachusetts 02115

ISBN 1-57062-804-1

Book Price: $ 22.95

The rabbi represents Jewish teachings

Rabbi Nilton Bonder was born in Brazil and was ordained at the Jewish Theological Seminary in New York. He is the author of several books revealing Jewish teaching: Yiddishe Kop; Creative Problem Solving in Jewish Learning; Lore and Humor; Kabbalah of food; and Kabbalah envy.

Rabbi learning about money

Rabbi Nilton Bonder divides the timeless Jewish principles of money into ten chapters. It deals with such topics as the limits of wealth (Ch. 2); wealth increased less (Ch. 5); to live in the material world (Ch. 6); life agents (Ch. 7); obstacles to wealth (Ch. 8); death and wealth: can you bring it with you? And much more!

Strengthening beliefs about money through the Jewish context

Rabbi Nilton Bonder talks to readers in an informal, educational style. He relies heavily on Jewish thinking to inform his readers. This is evident in his introductory words: "Jewish aphorism tells us that a man shows his character in three ways: with his glass (ie, appetite), his pocket (relation to money), and anger."

The insights gained by the rabbi from a perspective enhance and qualify Bonder's presentation. He often affirms rabbinic views, as follows: "The rabbis tell us that … our money is an extension of our reactions and beliefs." & "The rabbis saw poverty as an unparalleled tragedy. In Midrash (Exodus Rabb 31:14) we read," Nothing in the universe is worse than poverty; it is the most terrible of suffering. A person oppressed by poverty is like someone who carries the weight of suffering on the shoulders of the whole world. He clearly communicates with Jewish ideals.

Rabbi Nilton's goal is obviously to motivate readers to accept and act on the rabbinic wisdom seen here: "… it is our duty to create maximum abundance for all without creating shortages. In the language of the rabbinic market, this is an ideal state in which" one party doesn't lose and the other wins. "" Sounds like a win-win!

Bonder is prominent in much of his address to addressing our financial crisis. His answers carry a convincing future, for he says, "Much of our existing wealth cannot be made available to us because of our unwillingness to share."

Jewish concepts free us money

Rabbi Nilton Bonder shares Jewish concepts that release us money, helping readers overcome poverty.

Success Step: List 3 things you believe in for money. May your monetary beliefs nourish Jewish thought.

Ignition interlocks – Pitfalls and problems

Advertised as trustworthy, blood-alcohol-blocking devices are second to none. The ignition interlock device is a cheap breathing apparatus that is connected to the offender's electrical system. Before driving, the blockage user must inhale the device in order to assess its readable BAC (blood alcohol content). If the driver BAC is 0.20 or lower, the device allows the engine to start. However, if the driver's BAC is 0 .21 or higher, the car will not start. Once the car is started, the driver must occasionally inhale the device. If the device registers a BAC that is beyond the preset limit, "non-compliance with a retest" will occur. These valid re-tests are designed to ensure that the driver does not drink while driving and does not have someone to give the initial breath sample.

In Massachusetts, a locking device is required for all those whose license is twice suspended in Massachusetts or any other jurisdiction for drunk driving or certain other alcohol related offenses. In Massachusetts, they have been discussing ignition interlock devices since their inception. These devices have been required for drivers who have renewed their suspended license or heavy license, effective January 1, 2006. Although some claim the blockage is the answer to many DUI issues, many experts point out that the device is defective and that they resulted in false alcohol readings. in a 10-year suspension and a lifetime license.

The ignition interlock is not completely problematic. Like any discussed item, the device has its advantages. For example, by preventing people with high BACs from driving, the device may possibly keep roads safer and less prone to accidents during certain hours where alcohol is the norm. The Motor Vehicle Registry and the Board of Appeal should feel more comfortable handing out licenses for hardship to individuals who have locking devices. Interlock devices should allow multiple offenders to keep their jobs so they can live their lives and support their families. In a perfect world this might be enough, but this world is not perfect and the device is significantly missed.

Massachusetts-based locking devices use fuel cell technology. This is significantly less reliable than the infrared technology used in police inhalers. These devices are not alcoholic and substances other than alcoholic beverages will be registered as alcohol. For example, common substances such as protein bars, cough drops, cinnamon, pastries, perfumes, hairspray, and favorite coffee are registered as alcohol. There are also documented cases where a locking device registered alcohol and the driver immediately went to a hospital or police station for a comparative blood alcohol test. In each case, these tests and / or police observations were completely inconsistent with the faulty ignition interlock device. These are just a few examples of the many problems associated with blocking devices. Other problems include faulty equipment, damaged cables, and rejection of breath samples.

The ignition interlock device is not a reliable device, and it relies on a "guilty until proven innocent" mindset. This is not what this country's legal system should represent. There is no need to rely on a device that can go wrong so easily such as baked goods, protein bars, mouthwashes and alcohol cough drops to revoke someone's license for 10 years or life. The sensor tests the BAC by a breath oxidation reaction, as opposed to the more reliable infrared spectroscopy used in evidence inhalers. Drivers are therefore provided with an auxiliary machine that could potentially mark them as a criminal and destroy their lives. A person should be innocent until proven guilty, but with an unreliable detector, the opposite is true. However, certain individuals seeking disabilities have no choice but to deal with blocking devices.

I hope you are more educated on this now. Before laws evolve, existing laws need to be perfected. No one should ever be charged with a misdemeanor that they did not commit and until such devices are proven to be more accurate, they should not be blindly relied on to revoke their license.

Green light to remove false restraining orders?

Green discharge light? Can counterfeit warrant records 209A be finally dropped in Massachusetts?

Records of 209A orders live a long time and are unrelenting. Even an ex parte order that lasts a full 10 days and is not renewed, creates a record that will prosecute a defendant if another 209A case or bail is ever brought against him, just to name a few. Two recent decisions by Massachusetts courts may have paved the way for some of these records to be lifted. These cases and their consequences are discussed below.

In March 2006, the Massachusetts Court of Appeals ruled on a case that has been dragged on for four years, with the ruling light throwing on a question that falsely indicts 209A defendants for a long time: Does a district court judge have the inherent power to strike a 209A restraining order out of state of the Domestic Violence Registry when the warrant was obtained by fraud in the Court. In short, perhaps surprisingly, but much welcomed: YES. The case was Probation Commissioner v. Adams , 65 Mass Application Ct. 725 (2006).

The case began when the couple (for reference, the court ordering the aliases of Jones and Adamas) acquired mutually degrading orders of 209A against each other, which were later extended to one year. Sometime during that time, after Jones was charged with violating Order 209A and criminal trespassing in two different courts, Adams filed a motion to vacate Order 209A against her and delete all order records. This was followed by a typical game of referee ping-pong. The judge granted the motion to vacate after finding that the 19 statements given by Jones were false but denied the motion to quash. Adams filed a second motion to vacate the now-abandoned 209A warrant, which the Probation Commissioner (the office keeping those records) objected to. The judge granted Adams & # 39; motion for exemption, but the Commissioner petitioned for reconsideration. The judge rejected the Commissioner's request, and the Commissioner appealed, arguing that the judge had no authority to allow the ejection. The commissioner argued that, although the Legislature specifically authorized and directed the development and implementation of a system that records all issues and violations of Massachusetts Order 209A, there is no provision for deletion of data because, according to the commissioner, the purpose of the system was to preserve "complete information about the defendant. "

The Commissioner was right that Law 209A did not contain provisions that would allow even erroneously issued orders to be deleted. While it is no surprise and secret that Statute 209A is a poorly written and overly broad piece of legislation, with the exception of the Legislature, specifically saying no exemption is allowed, this ambiguity left a hole and an opportunity for judges to make good law over bad, for change. This is exactly what the Court of Appeal decided to do by restoring to lower court judges a power that was never explicitly seized in Chapter 209A, but which the judges feared to do under Sections 209A: the power to remedy judicial errors and attempt to "ensure full and effective administration of justice" when is an established fraud in the field. In such cases, the Court of Appeal said, referring to various earlier cases, "the lack of legal authorization is irrelevant", moreover, such power "cannot be restricted or abolished by the legislature."

In this case, abandoning Order 209A against Adam is not enough to protect the integrity of the courts and does not send a proper message to the public. Withdrawal of the order leaves the order record in the system. Not only does this leave a lasting mark on Adams, it also leaves, for eternity, a record of a wrongfully obtained court order. Although labels such as "discarded" or "closed" apply to records in the system, no explanation was given as to why the command was dismissed or the case closed. Many 209A orders were released because the victim was not prosecuted. Law enforcement officials will not be notified that the order was vacated because it was obtained through fraud in court. Instead, they may assume that he was acquitted for missing the victim or prosecuting for insufficient evidence. Continued fraud means the downfall of the court itself when law enforcement officials rely on inaccurate information provided by the court. Just as emptying an order is not a sufficient remedy in these circumstances, sealing the order record is equally inappropriate. When the records are sealed, they do not disappear. Although sealed records become inaccessible to the public, raw data are still available to law enforcement officials (police, probation officers and courts). Law enforcement officials would retain access to information that was inaccurate and misleading and obtained through fraud in court. Thus, sealing it would not repair the defect of the court.

Id. at 731-732 (omit citations).

Bravo? Can we run and request that all 209A discharged orders be dropped now? Not really. First, the court made it clear that only orders obtained through fraud in court were discharged. The court cited this judgment as an example of the type of order that should NOT be exempted Vaccaro v. Vaccaro of the case, in which order 209A was vacant because there was insufficient evidence to extend it, unlike the order originally obtained by fraud. 425 Mass 153 (1997). The court said that in the case of just an abandoned warrant or dismissal for persecution, but where no fraud is found, there is a "value" to law enforcement officers in keeping records of its issuance.

Second, the court set a fairly strict definition of what it considers to be fraud, namely "where it can be shown, clearly and convincingly , that a party has vigorously instituted a malpractice scheme calculated to interfere with the judicial system's ability to decide the case impartially by improperly affecting the trier or unfairly obstructing the presentation or defense of an opposing party. . " Adams , at 729-730 (citations omitted).

Third, the court referred to the time for exclusion of the claim, ruling that Defendants 209A “had an appropriate opportunity for argument (fraud) within 10 days and at extended hearings. "If the judge does not find fraud in court, the defendant will have no basis for a subsequent motion to remove the order record from the system. Nothing in GL c 209A, or, in this view, requires a hearing on the defendant's motion for exemption. Furthermore, clear and convincing. the evidence required to prove fraud in a judicial finding will necessarily limit the number of cases in which an exemption could be considered as an appropriate remedy. " Id. at 736-737.

Away from the open ship, Adams The case seems to offer an ever so light door slam to release certain 209A warrants when substantiated by strong evidence of fraud and brought at the right time.

Less than six months after the Court of Appeal ruled Adams , much closer to the day-to-day reality of Order 209A, Judge Gregory Flynn in Waltham District Court made a decision applying the new standards in Adams . The case was Chamberlain v. Khanlian , Docket Waltham District Court Number 0651-RO-99. Here, the plaintiff did not appear at the 10-day hearing and Order 209A against the defendant expired that day. 11 days later, the respondent filed a motion to quash the record alleging fraud on behalf of the plaintiff. Defendant filed his motion with several statements of fact in support of the fraud. The plaintiff did not appear at the hearing on the motion to strike out, but the Probation Commissioner appeared and opposed the exemption in this case, though this time he argued that his sole purpose in opposing the motion was to ensure that the standards were set outside Adams follow.

"In light of the allegations in the relevant submissions, the factual support provided by the accompanying statements, that the applicant had not made clear the allegations of fraud, the court was clearly satisfied that the original restraining order was granted only after a false set of facts presented to the Court," he wrote Judge Flynn. "Therefore, in accordance with the standards laid down in Probation Commissioner v. Adams , the motion for release was allowed. "

This is a case of the "unpublished" District Court, and from its brief decision, Judge Flynn's reasoning or reasoning can no longer be avenged. It is interesting to note, however, that the time standards seem to be set Adams it was not compiled here by the Court of Appeal. In Adams , The Court of Appeal noted that the defendant was the only opportunity to bring fraud charges at a 10-day hearing or any further extended hearings. A ten-day hearing came and passed without a motion to say goodbye. Still, Judge Flynn still allowed the exemption when the motion was filed 11 days later. It is also interesting to note that in the two cases mentioned above, both defendants were women, and both had career reasons motivated by the exemption: one was a lawyer and the other was a licensed physician.

Will see other judges Adams as Judge Flynn did, and whether dozens of falsely accused men in Massachusetts will be able to get relief after this turn of the law – only time will tell.

Provider Review – MassMutual Annuities

MassMutual was originally founded in 1851 by George W. Rice. Rice was a Connecticut life insurance agent looking to open a similar business in Massachusetts. He founded Mutual Life Insurance from Massachusetts, which soon after became a true mutual company – a company owned by its policyholders.

Today, the company is headquartered in Springfield, Massachusetts and Enfield, Connecticut, and has grown from a personal insurer to an international financial services firm. It has around thirteen million clients worldwide and over $ 500 billion in assets under its management. In addition to operating in the United States, MassMutual has branches in Hong Kong, Japan, Taiwan, China, Macau, Argentina, Chile, Bermuda and Luxembourg. The company has over 1200 offices and the full marketing name of the company is MassMutual Financial Group.

MassMutual is still run for the benefit of its members and policyholders. In addition to their rents, they provide life insurance, disability insurance, long-term care insurance, retirement / 401 (k) plan services, mutual funds, money management and trust services.

Although dividends are not guaranteed, MassMutual is proud of its financial strength and has paid dividends to policyholders every year since the 1860s. The company is also known for its charitable giving in the areas where they have their headquarters. They often contribute to programs that benefit education, the arts, culture or economic development in the local community.

In terms of annuities, MassMutual offers five different products – two delayed variable annuities, one delayed fixed annuity and one immediate annuity. The individual products are as follows:

Deferred variable annuities:

o Select MassMutual Transitions

about MassMutual Evolution

Deferred fixed annuities:

o MassMutual Odyssey and Odyssey Plus

Direct fixed annuities:

o MassMutual RetireEase

Some of MassMutual's annuity policies can be triggered with death and lifetime benefits. The death benefit option means that the beneficiary will receive all money into the account or a guaranteed minimum amount after the death of the renate. Additional death benefits are also available, which can allow higher payments to the user. Life benefits include guaranteed minimum benefit collection, benefits for benefits and withdrawals.

As with most insurers, MassMutual associates additional fees associated with its annuity products. These include administration and management fees. There may also be a mortality risk benefit and a cost risk expense, often known as an "M&E" benefit. In addition, surrender costs may apply if the annuity is terminated early or part of the annuity is withdrawn.

When considering an annuity company, it is important to understand the financial strength of the organization. One of the best ways to achieve this is to review a company’s financial ratings. Independent Ratings gave MassMutual some of the highest ratings in the industry. Below are the current ratings (as of July 2009) for MassMutual.

А.М. Best Company: (Superior, 1st of 15 categories)

Fitch Ratings: (Extremely Powerful, 1st of 21 Categories)

Moody's: (Excellent, 2nd out of 21 categories)

Standard & Poors: (Extremely Powerful, 1st of 21 categories)

Some facts about drug rehab centers and their treatment programs

Choosing a drug rehab center can make all the difference to a successful recovery. Suppose a person suffers from any type of addiction and wants to be rehabilitated, then nearly half of the recovery time can be resolved by choosing the right rehabilitation center and treatment program. If you are looking for an appropriate drug treatment center, it is always better to spend them on finding the best one in your country. The choice of a treatment center for alcohol as well as drug rehabilitation should always be agreed in order to successfully recover from its tasks. There are more than enough Massachusetts drug rehab centers offering several treatment programs according to the type of addiction as well as the condition of the patients. Treatment programs at these centers are always different from drug addicts. This treatment center offers treatment programs that cover all aspects of addiction that are mental and physical. Thus, it can be clearly seen that if one chooses the wrong rehabilitation program, the chances of successful recovery are always diminished. This article provides some useful information about a drug rehab center to help you treat your medication effectively.

Before enrolling at any Massachusetts drug rehab center, let me confirm that the duration of a treatment program can take more than a month. So you need to keep your patience while getting effective drug treatment at these centers. Once patients are admitted to these rehab centers, the first and basic thing the centers offer is a detox program. In this program, with the help of various drugs, almost all the fatal and toxic materials found in the body of addicts are eliminated. Usually, the length of this detox program is one week and with the help of this procedure they prepare addicts for another rehabilitation program. It has been observed that most people are ready to leave the treatment center as they cannot tolerate withdrawal symptoms during this process. Therefore, it is always recommended that this detox be carried out by a qualified medical professional who is sufficiently trained to handle any situation during this treatment period. Upon completion of the detoxification process, this center offers an inpatient and outpatient treatment program that depends on the patient's condition.

Although detoxification is effective in ensuring the physical recovery of patients, it is also necessary to provide psychological recovery for effective rehabilitation. For more effective and better treatment, most centers offer inpatient hospital treatment for those suffering from severe addiction. But in the second case for outpatient services, they often have to visit the treatment center to get proper medication and treatment. There is a high chance that recovery in hospital treatment programs is undisturbed and rapid compared to an outpatient program, as patients are constantly seen under medical care during hospital treatment programs.

So in order to achieve effective drug rehab treatment always keep in mind the aforementioned thing.

14 PharmCAS Pharmacy Schools not requiring PCAT for 2010 and tips for accepting eligibility

The PCAT is a college admissions test used by most pharmacy schools as one of the admission criteria. Fortunately, not all pharmaceutical schools need PCAT. In fact, there are many students every year who do not have to study or pay for a PCAT and only apply to schools that do not need it. For these Pharm.D. programs that do not require PCAT, other factors such as grade point average (GPA), work experience (optional but strengthens your application), interview performance, letter of recommendation, EC and other factors (which I talk about in my other article) determine your eligibility for acceptance.

Pharmacy schools in the US that do not require PCAT:

1. California Northstate
2. University of California – San Diego
3. University of California – San Francisco
4. Massachusetts College of Pharmacy and Health Sciences – MA Boston
5. Massachusetts College of Pharmacy and Health Sciences – Manchester NH
6. Massachusetts College of Pharmacy and Health Sciences – Worcester MA
7. Oregon State University
8. University of the Pacific
9. Pacific University of Oregon
10. University of Southern California
11. Purdue University
12. Touro University – California
13. Washington State University
14. Western University
(Currently, not all California pharmaceutical schools require PCAT).

Some application tips:

-Learn if the schools you are applying to are in a permanent admission system. If so, it is imperative that you apply in the application as soon as possible, as this will increase your chances of getting an interview and in turn, a nice envelope with your acceptance.

-Prepare yourself for the interview by going over the previous interview questions. These can be found in the Student Doctor interview feedback section. I also listed the most common online pharmacy school questions in another article. During the preparation, do not make your answers sound convincing, but natural and well thought out.

-Good work experience at the pharmacy. Although not mandatory, what better way to show the admissions committee that you are serious about this career path than working in a pharmacy. You might want to consider a pharmacy technician license to have more pharmacy responsibilities. You can continue to volunteer or work as a pharmacy clerk in most states without permission.

-If you are an international student, you might want to check if the school requires TOEFL by checking the required test table on the PharmCAS website.

Anne Bradstreet, "My Beloved and Beloved Husband," Discussion

"My Beloved and Beloved Husband" was written by the first American poet, Puritan, Anne Bradstreet. In fact, Anne Bradstreet is one of a handful of female American fists during the first 200 years of American history. After Bradstreet, only Phillis Wheatley, an 18th-century brunette poet, Emma Lazarus, a 19th-century poet whose famous words appear on the Statue of Liberty, and Emily Dickinson, America's most famous 19th-century poet, can be enumerated. .

"To My Beloved and Beloved Husband" has several standard poetic features. One is a two-line rhyme scheme. The second is the anaphor, the repetition of the phrase, in the first three lines. And the third is the popular iambic pentameter.

The iambic pentameter is characterized by an unnamed line with five meters or accents. Each foot contains a syllable that is not abandoned, and is accented, as in "da Breath, da Breath, da Breath, da Breath, da Breath."

The theme of Anne Bradstreet's love song is her love for her husband. She praises him and prays to heaven to reward him for his love. The poem is a poignant account of love and affection and strangely unusual for the Puritan era of the Massachusetts Bay colony where Anne Bradstreet lived.

Puritan women were expected to be reserved, domestic and submissive to their husbands. They were not expected or allowed to show their wit, charm, intelligence or passion. John Winthrop, the governor of Massachusetts, once noted that women who practice wit or intelligence were prone to go crazy.

Anne Bradstreet was born Anne Dudley in 1612 in England. She married Simon Bradstreet when she was 16 and both sailed with her family to America in 1630. The hard, cold trip to America lasted 3 months. John Winthrop was also a passenger on this trip. The voyage landed in Boston, and passengers joined the Massachusetts Bay colony.

The men in Anne Bradstreet's family were managers and politicians. Both her father and husband became governors of Massachusetts. Her husband Simon often traveled through the colony for weeks as an administrator.

Anne Bradstreet's song, "My Beloved and Beloved Husband," was a response to her husband's absence.

Very little is known about the life of Anne Bradstreet in Massachusetts. There are no portraits of her, and she doesn't even have a grave mark. She and her family moved several times, each time farther from Boston toward the border. Anne and Simon had 8 children over a 10-year period, and all children survived healthy and safe, an extraordinary achievement given the health and safety hazards during that period.

Anne Bradstreet was highly intelligent and mostly self-educated. She took herself seriously as an intellectual and poet, reading widely in history, science, art and literature. However, as a good Puritan woman, Bradstreet did not publish her achievements.

Bradstreet wrote poetry for herself, family and friends, never thinking of publishing them. Consider that her friend Anne Hutchinson was intellectual, educated, and led women's prayer meetings to discuss alternative religious beliefs. It was marked by a heretic and expelled from the colony. Hutchinson eventually died in the Native American assault. Is it any wonder that Anne Bradstreet hesitated to publish her poetry and draw attention to herself?

Anne Bradstreet secretly took her early songs to her son-in-law in England and published in small numbers when she was 38 years old. The volume was well sold in England, but the poems were not nearly as accomplished as her later works.

Bradstreet's later works were not published in her life. Her poems about her husband's love were private and personal, meaning that she only shared them with family and friends.

Although her health was often taken care of, especially during childbirth, Anne Bradstreet lived to the age of 60.

Enjoy "Dear and Beloved Husband" an extraordinary achievement.

To my dear and beloved husband

If ever two were one, then surely we do.

If ever a man was loved by a woman, then it would be him;

If ever a wife is happy in a man,

Compare women with me, if you can.

I reward your love more than the entire Gold Mines,

Or all the wealth that the East possesses.

My love is such that Rivers cannot be extinguished,

It is not necessary, except love from you, to reciprocate.

Your love is like that, in no way can I reciprocate,

Heaven rewards you with many things to please.

So while we live, let the lover persevere,

That when we no longer live, we can ever live.

January 2008. Mortgage License Update

There have been many changes in 2007, and we can expect more in 2008. Given that state legislators are also gathering current market conditions that affect their legislative decision-making power, we can expect numerous new laws relating to mortgage industry from every state. Especially if the US Congress decides to pass legislation requiring a minimum level of licensing in each state, which it is likely to adopt earlier this year.

The January updates are as follows:

o Update FHA licenses

o Massachusetts bond form posted

o Delayed E&O request in Colorado

o Alaska License until 7/8/08

o National mortgage licensing system published

Updating FHA licenses

With legislation recently passed by the US Parliament and the US Senate, many changes are expected to occur in 2008. The bill just passed was much more conservative than the bill on Parliament and did not include items such as a guarantee instead of an audit. finance, a dramatic increase in the FHA's loan limit, and risk-based pricing. However, it did involve some major changes to the HECM (Reverse Mortgage) loan that got many excited.

Now, two bills have been sent to the House and Senate committees to reach a compromise on differences in the bills. I would expect the Senate to hold its position and that the final bill looks very similar to a bill recently passed by the Senate, but there is still a chance that some provisions of the House bill will be passed. I expect the final bill will be sent to the President by February.

Massachusetts bond form posted

Massachusetts made some new requests for new licensees in September, one of which was a new bond request. Unfortunately, the state failed to make a new bond form available. All mortgage companies that have applied for a mortgage broker license from that date are pending. Massachusetts has finally issued a new bond form, but insurance companies have not yet approved it for issuance. A number of companies are waiting for this last item to be licensed and hope that insurance companies will start issuing guarantees on a new form soon.

The E&O delay in Colorado has been delayed

Colorado has recently issued a new application for all individual mortgage brokers (loan holders) licensed in the state to maintain E&O policies. The insurance companies that started issuing them in early December, however, one of the questions on the claim was "what percentage of the loans originated in the previous 12 months? Anyone who said more than 20% was denied or told they would have to pay thousands for the policy.

Because of this issue, Colorado issued an emergency solution that allowed individuals until 1/31/08 to obtain the required insurance, as well as increased the maximum deductible to make the bond more economical. Colorado is known for emergency rulings because the state legislature does not give enough time to the Colorado real estate department to implement the new legislation.

Alaska License until 7/7/2008

This is just a reminder to those of you who are currently making loans in Alaska. Many people can originate years without a license, however, new licensing requirements will take effect July 1, 2008. Make sure you get your applications soon if you plan to continue doing business there after the first year.

National Mortgage Licensing System (NMLS) Released

Just one last reminder for those licensed in the top 7 countries to use the system. You will need to access the system as soon as possible to update your business information. Here is a list of the first 7 states that the system will use:

about Idaho

about Iowa

about Rhode Island

o New York

about Kentucky

o Massachusetts

o Nebraska