201 CMR 17 Mortgage Brokers Checklist! Are you in compliance?

If you are a mortgage broker or mortgage mover doing business in Massachusetts, you need to understand how MGL93H and Regulation 201.CMR.17 influence how you need to handle personal information and manage your business in the future. Effective March 1, 2010, mortgage brokers are responsible for the safety and security of all personal information of Massachusetts residents you collect, process, or store by them or your staff. Your mortgage business must have a written plan, known as the WISP "Written Information Security Plan" that is implemented and followed, to not only protect the security and security of your clients' personal information, but also to protect your business. Below is a checklist to help you get organized and develop a plan you'll need to complete.

The Massachusetts Commonwealth has enacted MGL 93H, which defines the security breaches and regulations to protect the personal information of any Massachusetts resident of the Commonwealth. Regulation 201 CMR 17.00 implements the provisions of the law and describes what you need to have in order to achieve compliance.

What does 201 CMR 17 mean for my mortgage business?

201 CMR 17.00 sets minimum standards for the protection of personal information of any Massachusetts resident. It doesn't matter if this personal information is stored in an archiving cabinet, desk drawer or your online database, you are responsible for its security and safety as stated in 201 CMR 17. Massachusetts, like many states, responds to the growth of identity theft and places a responsibility on those companies (such as a mortgage broker) to follow a series of requirements to effectively protect personal information from those who might use it inappropriately or illegally. As a mortgage broker, these regulations affect your business and who you do business with. If your originals, processing staff, or even others who may be involved in a loan transaction, such as a lawyer, real estate agent, or credit bureau, have access to or store personal information about your borrowers or potential clients (resident in Massachusetts), such as their name, together with:

  • Address
  • Social security number
  • Credit card number
  • Driver's license information
  • Other government-issued identification information

then these regulations will affect them and you are responsible for taking steps to control the collection, handling, storage and distribution of this personal information. This means that you need to protect yourself and your business and only share personal information with companies you check to be in compliance with 201 CMR 17.

This regulation does not only apply to customers and customers. If you are in the Commonwealth of Massachusetts and have Massachusetts resident employees holding employment applications, a copy of your driver's license, personal file or payroll information of 201 CMR 17 applies to you.

So, what steps do I need to take to be consistent?

The key to CMR 201 17.00 is the development, implementation, maintenance and oversight of a comprehensive written information security plan (WISP). This WISP is intended to address the handling and storage of all records containing personal information. In addition to creating and maintaining WISP, you will also need to identify program components. These include:

  • Designate one or more employees to maintain wISP.
  • Identify and evaluate understandably foreseeable internal and external risks to the security and confidentiality of all personal information you handle your trade
  • Develop security policies and procedures for employees and the handling of personal information.
  • Limit the amount of personal information collected to what is necessary to complete the transaction.
  • Identify all areas, storage and devices used to store personal information and develop a plan for its security.

201 CMR 17.00 goes further to address the security requirements of the computer system. The Massachusetts community has come up with technological requirements to make it compliant. These requirements should be discussed with an IT professional. They affect not only your server but also desktops, laptops, network scanners and photocopiers. Things to talk about include:

  • Provide protocols for user authentication
  • Provide access control measures that restrict access to documents as well as password and user management.
  • Encrypt data during transmission as well as any data on mobile devices such as laptops and PDAs.
  • Ensure that there are current versions of security software such as antivirus software.
  • Employee information security training

The media has been widely publicized in connection with the theft of personal data from laptops. Personal data can be compromised and stolen while stored on computers or transmitted electronically, but this critical data can also be stolen while sitting at a desk or in an unlocked paper file cabinet. Even as you dispose of this information, it is important to take this into account, because you are also responsible for what you throw in the trash. Cutting and disposal services are key components of any effective WISP mortgage company. The goal of MA MGL 93H and 201 CMR 17.00 is to change the way a business views personal information and the important steps that need to be taken to properly collect, use, store, transport and destroy it.

Protecting your personal information not only protects your clients, but also your business from fines and lawsuits, and ensures that 201 CMR 17 is complied with and develop and implement the WISP mortgage company immediately.

Teen Girls – The subject of sexual harassment

The press and employment attorneys have significantly educated the American public about the problem of sexual harassment in the workplace. Many adults have been subject to sexual advances, requests for sexual favors, and other verbal or physical conduct of a sexual nature that had the purpose or effect of unreasonably interfering with an individual's work performance creating a frightening, hostile, degrading, or sexually abusive work environment. However, over the past few years, the general public has become aware not only of how unprofessional and unethical such practices are, but more importantly, how such conduct can lead to significant litigation costs and mass judgments for emotional distress.

Massachusetts employers and supervisors must not sexually harass their employees, either directly or indirectly. Where supervisor behavior has the purpose and effect of unreasonably interfering with an employee's work performance by creating a deterrent, hostile, degrading, and sexually abusive work environment, Massachusetts courts have classified such conduct as sexual harassment. Cardona v. Conn Car rental, 20 masses. L. Rep. 82 (2005). More specifically, under Massachusetts law, it is an illegal practice for an employer, as defined in mass. Gen. Laws ch. 151B, §1 (5) , to sexually harass any employee. Moreover, sexual harassment is not limited to any verbal conduct of a sexual nature that is found to be unreasonably interfering with the employee's performance by creating a degrading or sexually abusive work environment can be sexual harassment by a mass general. Laws ch. 151B. Melnychenko v. 84 Lumber Co., 424 Mass. 285 (1997).

Under Massachusetts law, an employee is entitled to be free from unreasonable, significant, or serious interference with privacy, as set forth in GL c. 214, § 1B, ID. If a supervisor's abuse occurs at the defendant's place of business while he or she is in a supervisory position, sexually harassing behavior falls within the scope of employment for GL c. 214, § 1B. College-Town, Div. of Interco, Inc. v. Massachusetts Comm & 39; n against discrimination, 400 Mass. App. 156, 165-167, 508 NE2d 587 (1987).

As a result of the past, many companies have since instituted sexual harassment policies, which is why they should read all employees before starting employment. In addition, many companies have training programs for their adult workforce. The problem is that many companies work part-time teenagers who neither understand the consequences of sexual harassment nor participate in any of the training programs, read manuals, or discuss sexual harassment with their supervisors, who in many cases also teenagers. This is especially a problem for businesses that are typically located in a mall, such as fast food, retail, and amusement park companies.

In 2007, according to the Equal Employment Opportunity Commission (EEOC), citing 16-19 years, "allegations filed and unexpected evidence indicate that discrimination is a teenager's problem." According to social work professor Susan Fineran, 35% of high school students surveyed claimed they had been subjected to sexual harassment at work, of which over 60% were teenage girls. According to a report in the magazine, Nation & # 39; s Restaurant News, over the past decade, restaurants alone have paid more than $ 7.3 million to fight a teen sexual harassment lawsuit.

What is the essence of all this? If corporate America wants to avoid costly lengthy litigation, it must do a much better job of educating part-time teenagers in the same way they do with their full-time workforce.

Massachusetts History (Part 1 of 2)

Before the arrival of the Europeans, the area that is now the state of Massachusetts was populated by various Algonquian Native peoples, including Massachusett, Pennacook, Wampanoag, Nauset, Nipmuc, Pocomtuc, Mahikane, Narragansett, and Mohegan. Unfortunately, all these peoples soon devoured smallpox when the Europeans first arrived in North America.

In 1620, the Pilgrims arrived from England on the Mayflower, establishing a colony in Plymouth. Like the Indians, the Pilgrims suffered from measles. However, they were helped by the Wampanoagi and celebrated their first Thanksgiving with the Indians in 1621. The English settlers were known as Indians, as Yengeeze (their pronunciation of "English"). This is the source of the word "Yankee".

For decades to come, the Pilgrims were followed by the Puritans, who established a colony in Boston, as well as the Anglicans and Quakers. However, there were religious tensions, with the prohibition of Quakerism, and four Quakers were hanged in the Boston colony. Connecticut and Rhode Island's English colonies were founded at this time by dissidents fleeing a lack of religious tolerance in the Massachusetts Bay colony.

During the reign of King James II of England, who was a devious Catholic, the charter of the Massachusetts Bay Colony was annulled. Short-term domination of New England was formed, but the colonial rule was overthrown by the royal governor. After the overthrow of James, the colony of Plymouth Bay and Colony Bay Massachusetts Bay (Boston) was merged, and in 1692 a new royal charter was granted.

The trial of the Salem witches was also announced in 1692. The trials lasted until May 1693, resulting in the deaths of 20 people (14 women and 6 men) and a prison sentence of more than 150.

How to Get a CNA Certificate in Massachusetts

In the state of Massachusetts, the Nursing Assistant will have to complete the Nursing Competency Training and Assessment Program (NATCEP) to work in healthcare settings. The responsibility for the management and management of NATCEP in MA has been entrusted to the Eastern Red Cross American Red Cross (ARC).

ARC Nursing Training Program (ARC NATP)

The Eastern MA American Red Cross has been offering the ARC Assistant Nurse Program since 1989. The training program lasts 75 hours and meets the 1987 state and federal Omnibus Reconciliation Guidelines and educational standards. CNA training programs can also be completed through community colleges, adult education centers, technical institutes and vocational schools located throughout the state. The sole purpose of the CNA training program is to prepare nursing assistants for direct skills and knowledge of patient care, so that they can offer quality care to residents who are unable to care for themselves. Upon successful completion and graduation of NATP, nursing students are qualified to take the state CNA Certification Aptitude Test in MA. Then certified CNAs can perform services in hospices, nursing homes, adult care centers, hospitals, care centers, and other licensed facilities.

ARC NATP requirements

At MA, a high school diploma or GED is not a prerequisite for taking a training program. Applicants need to pass an ARC assessment check so that they can enroll in an ARC training program, and once they enroll, negative TB test results must be submitted on the first day of the training course.

MA CNA certification test

Individuals who wish to pass the Massachusetts Nursing Assistant Competency Exam must complete the MA Department of Public Health Eligibility Requirements and submit a form to complete the Nursing Registration / Nursing Assistance / Training Certification Form. Once the form is approved, applicants can fill out an application for ARC testing and registration.

The Nurses ARC certification test consists of a knowledge test (written / oral test) and a skills test. Candidates can also choose their election location and Red Cross location as part of a clinical demonstration. ARC testing sites from Eastern MA are located in Fall River, Brockton, Hyannis, New Bedford, Lowell, Cambridge, Springfield, Haverhill, Pittsfield, Worcester and Peabody.

Candidates for the test must pass both parts of the MA certification test in order to be placed on the register of MA nurses and obtain CNA certification in the MA. Certification is also required to work in a variety of healthcare settings throughout the state of Massachusetts.

Governor Foster Furcolo and his vision for public higher education in Massachusetts

More than 2,000,000 students, or nearly 43% of the student population, would never have the opportunity to attend public higher education in Massachusetts annually unless Governor Foster Furcolo's passionate and tireless struggle triggers the establishment of 15 state high schools. unsuccessfully in the 1950s. As Republicans & # 39; Editing correctly expressed in September 2009, his services have long been forgotten by politicians. In appreciation of his services, Massachusetts general laws were amended, just two years back, to name 15 community colleges "Governor of Foster Fucolo & # 39; s Colleges Community." At a time when private higher education was dominant and accessible to most students from well-to-do families, Governor Furcolo opened the door to public higher education for those who could not afford to attend expensive private educational institutes. He wanted colleges to locate closer to communities, provide lower-cost education to individuals as well as the state, meet the demands of growing manufacturing and service sectors, and increase family income and long-term income. The benefits of his intelligent prediction could be clearly seen in today's Massachusetts economy and society.

One of his goals was to provide higher education opportunities to members of low-income families who wanted to continue their higher education. He wanted to reach immigrants, adult non-workers, working men and women and incapacitate people who want to improve their skills and engage in economic activities. The current composition of the student population demonstrates how well Governor Furcola's target groups have reached and reaped the benefits of his movement at a community college. According to a recent Economic Impact Report, the average household income of those students attending community colleges was less than $ 36,000 a year, and 60% of recipients of financial aid, especially Pell Grant recipients, were from families earning less than the U.S. -a $ 18,600 a year.

In the mid-1950s, Governor Furcolo saw a growing population of colleges and the barriers they had to higher education. His solution was to establish a public higher education system to help this population, giving them the opportunity to enroll in skills improvement studies, in part, an open enrollment box and, if necessary, enrollment in remedial courses. An examination of the composition of the student population at community colleges in Massachusetts shows that most belong to part-time student groups. More than 61% of students at community colleges in Massachusetts are part-time or quarter-year students, and were over 25 years old, only 39% were full-time students and in the traditional age group. Many of them needed to take remedial courses such as math and English, writing and reading before enrolling in college. As for a recent study, based on 2005 high school students enrolling in community colleges in Massachusetts, an average of 37% required at least one remedial course before they began college-level work (Conaway 2008).

The achievement of Fucol's vision of making education in public colleges accessible to poor families is demonstrated by comparing the cost of community college education with other college systems, even today. The national average cost of tuition at public universities is $ 4,694 for state residents. Private college tuition and fees are about $ 20,000 domestically, while in a community college, the cost is an average of $ 2,076. The same pattern can be observed in Massachusetts. The nature of the student population required higher education, as Furcolo understood, requiring a widespread pattern of educational facilities. Short distance to objects saves time and reduces the cost of movement, reducing the total cost of the individual while also minimizing the disturbance of daily routines. Furcolo predicted that colleges would be within easy reach of work, so that those who were busy with household work as well as workplaces would be able to attend them favorably. Therefore, his Higher Education Act of 1958 provided for a law establishing a state system of 15 colleges in Massachusetts. They currently became home to 46% of Massachusetts students and this is more than four times the enrollment of students in higher education in the 1950s (Burns 1995).

Fucolo understood the need for a skilled workforce in the growing business and manufacturing sector at the time, and the responsibility of public higher education to create a skilled workforce if Massachusetts needed to be competitive and keep up with other states. Community colleges therefore saw a solution to the shortage of skilled labor at the time. Skilled workforce training is a core function of social institutions today. Massachusetts Comprehensive Community Colleges today offer a variety of programs leading to associate degrees, certifications, and vocational programs. Provides basic teaching and teacher training courses for students and adults. They join schools, industries and workplaces and develop programs to improve skills and quality of work, helping to increase efficiency and productivity. Community colleges in Massachusetts have launched an innovative, inexpensive, nationwide business and industry training resource for business and industry called Mass * Net, and helps provide workforce training in 21 technology fields. According to a community college information source, Massachusetts Community Colleges offers more than 5,000 workforce development programs annually. By providing skilled labor needs in state-owned industries, commercial and other service units, they have helped increase the revenue of manufacturing units, individuals and the state.

Governor Furcolo wanted community colleges to become a "preparatory ground" for higher education. One of the important missions of these colleges today is facilitating their graduates to transfer to four-year colleges, which is also an important component of most high school students & # 39; educational aspirations. Currently, community colleges have well-designed programs and provisions to facilitate student transfers through transfer agreements and affiliations with four-year colleges and universities. As a member of the public higher education system, Quinsigamond Community College, for example, liaises with all four-year universities in Massachusetts and universities and facilitates student transfers through the Mass Transfer Program introduced in 2008. This program helps students through reduced tuition and credit transfers and makes the transfer process fast, smooth and affordable.

The economic impact of Community College on individuals, families, and business is clearly evident in Massachusetts today. A recent Economic Impact Report estimated that the increase in annual income of Community College graduates is $ 21,400 compared to those who did not graduate. Education also opens up the opportunity for better jobs with better benefits. It is estimated that 90% of Massachusetts Community College graduates who work in the state after graduating with a degree in business, industry or other services, and the revenue they generate is therefore spent mostly within states. This means that the state is able to generate more income by taxing the personal income of graduates working in the state. Furthermore, expenditures in community colleges have created multiplier effects and further growth of the region over various studies. These colleges also help local economies sustain their economic activities by spending on students, visitors and workers. Therefore, Massachusetts college communities have become a growth engine according to the same economic impact report mentioned earlier.

Governor Foster Furcolo's prognosis on public higher education, as discussed in this essay, has helped many young poor and young students as well as adult students enroll in higher education. The personal income of those who educated these faculties increased due to higher education, and so did the state's income through income tax revenue. These graduates became the largest source of skilled human strength, for industry and business, to succeed in Massachusetts. Governor Furcolo should be seen as a great soldier serving Massachusetts and embracing his visions in the future, as noted by the Republican newsroom in September 2009.

Massachusetts Health Connector and IRS, Section 125, POP Plan

With all the focus on Federal health care reform, it is easy to lose focus on the solutions some states create to take control of a problem in their state. Massachusetts has been requiring its citizens to have health care since 2006. With this significant legislation, the entire state was praised as being proactive and meeting the needs of Massachusetts citizens. An embodiment of this initiative is the Massachusetts Health Connector, a service that connects Massachusetts residents to the healthcare they need.

Massachusetts employers with more than 11 eligible employees must create a Section 125 Plan to make healthcare available to their employees. If you have 11 or more employees and do not offer a section 125 plan, you could be subject to a free rider charge if your employees receive state-funded health services. While this may seem like a burden, setting up a 125 plan is really a big deal for you and your employees.

Why is section 125 a win-win plan?

The POP Section 125 plan is often referred to as the "Premium Premium" plan or cafeteria and is governed by Article 125 of the Internal Revenue Law. When benefits are offered through the Section 125 Plan, the premiums paid by employees are deducted from their pre-tax payments. This means that each employee's taxable income is lower, as is their tax contribution to FICA and Medicare. For the employer, you also benefit from your portion of the appropriate contribution. Employers also save on federal unemployment taxes, and there could be additional tax savings depending on the state or county.

Even if you have fewer than 11 eligible employees and are not required to set up a Section 125 plan, tax savings alone could pay you off!

How do I set up a Section 125 plan?

For Massachusetts employers, Connector has a sample document that you could review or ask an attorney to create the document and keep it compliant. Or you can hire a professional document management company to easily create and maintain a Section 125 plan. They can provide signature-ready planning documents tailored to you and your needs and in full compliance with IRS rules in just fifteen minutes.

There is currently a state law in Massachusetts and Utah for participating employers to establish and maintain a Section 125 POP Plan, but for any employer who requires an employee contribution to their health benefits, it is a great benefit to all involved.

Stearman Boeing PT-17 in flight over Massachusetts


Climbing the narrow sidewalk and entering the upholstered tandem seat, two-seater, blue and yellow cloth covered with an open cockpit Boeing PT-17 Stearman, registered N55171 in Stow, Massachusetts, I landed with two upper arms at the back of the wing and fastened an olive green belt and waist. Goggles and helmets, prerequisites for the era, I examined the completely duplicate instruments before me and prepared myself for both the Massachusetts airport fight and a brief, though temporary, return to the skies of basic basic flying.

The Boeing PT-17 Stearman comes from a self-funded design project designed for military training. Just beginning to blink light at the end of the tunnel and surviving only large production, parts and components for other aircraft, primarily those for the two-seater Boeing B247, Stearman believed that the future could only be secured by military design.

Investing on her own funds in 1933, she modified the Model 6 Cloudboy, an earlier Lloyd Stearman spacecraft, introducing a new, circular fuselage similar to that used by the Model 80, another Stearman design, providing only lower wings, fitting a cantilever chassis, and installing a new tail with adjustable lining the back edge of his elevators. Marked as a Model 70, it first flew from Wichita, Kansas on January 1, 1934, powered by a nine-cylinder, 210-hp, Lycoming R-680 radial engine, proving robust, reliable and well adapted to rigorous training fields with the ability to tolerate aerobatic maneuvers assault pilots were frequently subjected. Although she demonstrated excellent handling characteristics during her demonstration flights to the United States Army and Navy in Dayton, Anacostia and Pensacola, her almost ingenious response to the stands proved insufficient to fulfill her intended purpose; As a result, the placement of triangular stand strips made of wood on the lower wings seriously interrupted the flow of air during high angles of attack and eliminated the defect.

The Navy, more interested in the two, ordered 41 aircraft in May 1934, plus spare parts for a 200hp version of the Wright J5 radial engine called Model 73, but designated NS-1 for the Navy. The first production aircraft was introduced in December of that year.

The modified version, which includes a new main chassis and alternately powered by a 225-hp Wright R-760 and a straight-line, nine-cylinder Lycoming R-680 radial engine, was designed that summer and targeted the Army Air Corps. After funding was finally awarded the following year, the Army Air Corps released specifications to Stearman Aircraft Company, resulting in orders for 20, as well as parts, of the Lycoming version, which was designated Model X75 but named PT-13 for Army operation.

The two-piece basic training biplane design, identical to the two operators, with the exception of some minor features, fitted a rectangular welded steel hull that was covered in front with metal plates and fabric at the rear and provided a 25-foot, ¼-inch total length. Its single bearing, unevenly spaced, dashed upper and lower wings, using NACA 2213 wings, is constructed of spruce-laminated bars and ribs. The central part of the upper wing was supported by steel support pipes reinforced with a wire pipe, while the intermediate N-type steel pipe supports were carried on both sides. Covered with fabric, they achieved movement around its longitudinal axis of duralumin ailerons installed at the posterior edge of the lower wings, and together they had a range of 32.2 meters and an area of ​​297.4 square meters.

Welded steel tubes coated with fabric, rear support aircraft and vertical ribs contained slats on their elevators.

The split, cantilevered chassis, which features a metal shackle spring suspension damper in a closed metal embankment on all major legs, was equipped with hydraulic wheel brakes and an adjustable rear wheel.

The double, tandem, open cockpit housed the flight instructor and student pilot, and the luggage could be stored in a closed compartment behind the back of them.

Powered by a twin-knife, adjustable-pitch metal propeller mounted on a steel tube whose radial engine is centrally cross-sectioned, a 43-gallon fuel tank and a four-gallon oil tank installed in the engine bay itself, an aircraft with an empty weight of 1,936 pounds and a gross figure of 1,717 pounds, could climb at 840 feet per minute, achieving a top speed of 124 mph and an upper ceiling of 11,200 feet. Range was 505 miles. The cruiser's speed, at 65 percent power setting, was 106 mph and the landing speed was 52 km.

The power of World War II was parallel and dictated the launch of aircraft production. The increasing need for the War Department for basic trainers resulted in an order of $ 243,578 for 26 PT-13As for the Army Air Corps and $ 150,373 for 20 for the Navy, followed by a $ 3 million order for PTs. 13B represented the most in Stearman's history and required the expansion of its plant and the increase of its workforce to 1,000 so far.

In addition to the United States, design has had foreign applications as well. The 76D1, for example, had nine 320-hp cylinders, a dual, adjustable Pratt propeller and a Whitney R-985-T1B engine, three 30-caliber machine guns, a two-way radio and a float, and were initially commissioned by the Argentine Navy. The 73L3, which has a 225-hp Lycoming R-680-4 engine, flew to the Philippines and the aircraft saw service in Brazil.

Indeed, by 1940 Stearman was producing one PT-13 type trainer every 90 minutes, and the momentum, once launched, was unspeakable. On June 25 of that year, the Navy signed a $ 3.8 million contract for the 215-hp N2S-2 and -5s with 215 hp with the L5, launching another factory expansion of 40,000 square feet. By August, 1,100 people worked two shifts at eight hours six days a week, while the following month, 1,400 worked three shifts every day at eight hours.

The completed aircraft were transported either to the Army Air Force; base at Randolph Field, Texas or the Navy in Pensacola, Florida.

To avoid production delays due to unavailability of the engine, Stearman produced two sub-versions. The first one, the PT-17, features a 300hp tension airframe, though it was powered by a 220-hp Continental R-670-5 radial as standard, while the second, the PT-18, was manufactured with Jacobs R -755 with 225 hp. However, only the last 150 were built. Both appeared in 1940.

The guy reached a major milestone on March 15 the following year when the Army Air Corps delivered 1,000. the basic flight coach in Wichita, the only Stearman design to ever achieve such batch production. But the milestones, fueled by the war, were quickly set: just five months later, on August 27, 2,000. the aircraft, PT-17, was delivered to the Army Air Corps. These production rates could only be supported by an equal growing workforce, eclipsing 3,000 in April and 5,000 in June.

In September 1941, the Stearman airline, which has since become the "steingman of the Boeing division," first eliminated the Stearman name for the first time, redesigned, simply, "boeing airline, the Wichita Division."

The basic design also had civil application in accordance with the approved type certificate. 743, assigned June 6, 1941, for model A75L3, equivalent of 225 hp PT-13 and model A75N1, continental R of 220 hp. -670 colleague. The types, produced concurrently with existing military production lines, were sold to Parks Air College, Illinois, one of the operators of the Civilian Pilot Training Program, and in Peru as A75N1.

By December 1941, the aircraft was completed every 60 to 70 minutes.

Another specialized version, the PT-27, featured a modified Continental Arctic temperature engine, a canopy cockpit, an instrument flying hood, electrical system installation, and landing lights. Of the 300 ordered by the Royal Canadian Air Force, 287 were returned between December 1942 and June 1943 for failure to complete the necessary modifications after delivery, rendering them unsuitable for sub-zero temperatures.

When the war finally ended in 1945, the Wichita Boiching Division produced 8,584 primary flight coaches, or 44 percent of all war coaches. Yet, more than a year after the production line was closed, it received an order for 24 N2S-4s from the People's Republic of China. Two such aircraft – one with serial number 37902, first delivered on October 31, 1942 and recorded 1,564 hours, and one with serial number 55759, first delivered on July 20, 1943 and take off 1,116 hours – were found were delivered in Clinton, Oklahoma, and after the overhaul and installation of the six-cylinder Lycoming O-435-II engines were delivered May 23, 1947. Later, they were joined by a 20-hp Continental R-670-4 with N2S-3 power.

In all, Stearman produced 11 major versions of primary coaches for the Army and Navy.


Massachusetts PT-17 instrument panel, located beneath a slender plexiglass windshield, contains a compass, a vertical speed indicator, an airspeed indicator (in miles per hour), a tilt and tilt indicator, an altimeter, an hour, an outdoor air and pressure gauge oil and fuel (in pounds per square inch), propeller gauge (in revolutions per minute) and fuel tank switch, the latter for "left" "properly" or "off". The throttle for power and blend is located on the left side wall while the rudder and brake pedals are on the floor just above my feet.

An undisclosed 220hp continental power engine, 46-liter fuel tank filling, and powered by properly advanced throttle and throttle control, has thrown into the air a box that promises lift, such as its spraying, smoking and auger-reeking propellers . it rotated in a horizontal vertical stabilizer, instantly causing the rod between my legs to tighten against its rear position.

Corresponding to its forward butterfly, Stearman shifted beneath the dazzling, noon, parallel to the Assabel River, turning to the right and performing its full engine start, angular to a manicured, sloping, 2,300-foot grass field that would immediately serve as its runway. After all, it was World War II.

Leaning forward under its own power and aligning with the grass field, the PT-17 snapped into the wind with fully advanced butterflies, raising its tail generated before separating its two spinning main wheels at 60 mph and overcoming the field's perimeter trees into climbing , turning left at 550 feet.

Massachusetts green-upholstered topography, blue lake, undisturbed in the crystal blue, 80-degree June sky, has receded below me.

Setting at 1200 feet at a speed of 600 feet per minute and 72 mph, it showed airspeed, biplane, registering a 1800 rpm power reading on its single propeller, traversed countless mirror reflecting lakes with grass. the Stow field now boils down to an indistinguishable green carpet.

The destined, powerful signal of the shaking of the rod of an equally helmeted and stuffy pilot behind me, whose presence could be visually verified by the tiny mirror installed on the upper wing on the underside, indicated the flight of hands and the touch of my helmet confirmed its assent.

The stick between my legs, the only means of controlling the lateral (tilt) and longitudinal axis of the aircraft, reduced my fate and direction to one channel and, with a bomb bombarded from all angles, reached a new established freedom that eclipsed both earthly restrictions and the adjective description.

Keeping 240 degrees southeast moving above Hudson at 80 mph, I pointed my nose toward the still nebulous outline of Mount Wachusett, whose silhouette rose above the horizon line, now isolated from my own world, separated from civilization, soil, and even the pilot behind me, in the harmonious coupling of the soul with the universe. Isolated, pasted with nothing, be it a physical location or a negative emotion, the soul eventually returns to its autonomous state over and over again. That this country could only be permanent …

Driving south, south, moving 180 degrees above Marlborough, I skipped the Sudbury reservoir, upper and lower wings generated, bringing me to 1800 feet at 90 mph, while the engine drank 11 gallons of fuel.

Left stick pressure forced the PT-17 eastbound across Southboroug and Framingham toward Boston, and its engine oil pressure was 75 pounds per square inch.

Most of the training of WWII civilian and military pilots took place on the aircraft I was currently flying.

Wanting to meet the overwhelming need and reach the student population of up to 20,000 pilot trainees a year, President Roosevelt signed a bill in December 1938 to create a Civilian Pilot Training Program, in which pilots, already armed with many hours of civilian schooling, would be trained to complete training at Army and Navy Air Force Base in PT-13, PT-17 and N2S Stearman aircraft. To eliminate the two major disadvantages of under-enrollment in the military technology curriculum and the initial obligation to serve in the armed forces immediately upon graduation, a primary training program in which the Civil Aviation Administration first reviewed and approved civilian personnel created flight schools. Specially contracted facilities, staff of civilian flight instructors who themselves had to take pilot training courses at Randolph Field to "ensure uniformity of training in accordance with established Air Corps methods and standards", were delivered to the curriculum, textbooks and Basic Trainers Stearman directly from the military. The first such pilots entered the program on June 1, 1939 and eventually numbered 125 scattered across 41 schools by December 1941.

The infamous attack on Pearl Harbor during that month was preceded by the unprecedented construction of pilot corps and combat groups. Three months before the event, in the fall, the Army Air Corps drafted a plan for a simultaneous battle against the German Third Reich and the Japanese Empire, estimating the need for two million troops and 88,000 aircraft. Although the Army Air Corps Training Centers at Randolph Field, Maxwell Field in Alabama and Moffet Field in California were established in mid-1940, they would prove woefully inadequate in the event of war, as would a small number of pilots came out of them. As war clouds would soon burst at the seams, the urgency of correcting these shortcomings could not be underestimated, and the projected number of required combat groups and pilots increased at clock speed with a meandering clock. Two months before Germany invaded Poland, that number was 24 combat groups and 1,200 annual pilots, but, when Germany invaded Norway, those numbers increased to 41 and 7,000. Hitler's invasion of France further escalated the need to 54 and 12,000 and ultimately to 84 and 39,000.

Another strong shaking of the rod indicated that it was time to give up control too early, which I confirmed with another hand signal from the top of the helmet, and the pilot took over, showing some significant maneuvers: throwing his back, induced biplanes in a vertical dive, green- upholstered ground now just outside the windshield as it accelerated through 1200 meters, before being arrested in G-force withdrawal, recovering to a return to level.

Starting spiraling to the left bank, the biplane made its way through 500 feet, leveling and overhanging the terrain, before retreating once more and circling back to the left for its final approach. I seemed to brush the trees at 400 yards with my outstretched main wheels, the elevator slammed into the grass at a reduced 60 mph stream, biting the soft surface of the tires until the deceleration allowed the rear wheel to reposition itself on the ground.

Driving my hand to the right, the PT-17 Stearman activated the brakes, and I pulled out of my seatbelt and belts, helmets and goggles and lifted myself from the seat like a pillow, lowering myself with the wings. towards the grass along the stripe of the wing root.

The waiting passenger, to my envy, took my place in the still-scattering biplane, a scene perhaps reminiscent of the "production line" of student pilots waiting for the availability of the PT-17 for their next lecture in the 1940s. The aircraft, as the first link in the victory chain, provided vital training for pilots who subsequently switched to larger, more powerful and heavily armed fighters and bombs, with which they eventually triumphed in the war. The initial, and sometimes the smallest, aspect of any surgery often proves to be the most important.

Returning to my car in the midst of the heat, I would think about that philosophy …

A Massachusetts solar program hit the wall

If you visit his website, the Massachusetts Renewable Energy Trust, which operates the state's Commonwealth Solar Rebate Program, simply says that it has received enough applications to meet the state's current goal; 27 megawatts of photovoltaic (PV) installed by 2012

The program launched in January 2008 is an expression of Governor Deval Patrick's ultimate goal; 250 megawatts of solar by 2017. But with just over seven years and another 223 megawatts still looking, it's strange and unfortunate that the program is running out of money, leaving many unaccepted applicants on the spot and hooking up to solar power systems installed (or for which they have outstanding installation contracts).

This is currently ending the state's $ 68 million program, probably until new legislation can be organized through the Legislature. The program was originally funded through a 4-month fee per month for Massachusetts utility bills, as well as penalties paid by utility companies operating in deficit in terms of renewable energy production.

That the money is gone may be encouraging news for solar companies and installers of solar panels, proving once again that solar energy, instead of destined for failure, is actually moving into the mainstream of energy production across the country. It is very negative news for those who want to participate in solar power.

The funding failure was apparently triggered by a Oct. 6 announcement that said the state planned to reduce rebates, prompting an influx of so many applications in one week that the remaining $ 26 million in the fund was completely exhausted, according to Massachusetts Energy Emperor Philip Giudici.

Giudici called it a "surprise", which was happening at a time when consumers of the state were demanding solar energy. For homeowners and small businesses looking to get some financing for solar energy systems – whose prices are still too high for the average American – the announcement was more like a heart attack.

At a time when the fund was failing, state energy executives wanted to shift incentives to renewable energy loans or RECs. Now, with the solar energy fund being over $ 12 million over budget and 142 new solar companies in the state this year looking to leverage the state’s solar incentive through new customers, the collapse of incentive spells is very dark news for many.

Massachusetts Renewable Energy Trust Director Carter Wall said some of the state's ARRA funds could be used to boost solar panel incentives to honor as many applicants as possible, and promised to approve the next round of funding by the Legislature fit the needs. With the legislature out of November 23 until the first of next year, the prospect of bringing anything in the meantime is astronomical.

Homeowners and small businesses are not the only ones complaining. Last week, Yarmouth Public Works Director George Allaire sent an angry letter to Guidici saying that electricity purchase contracts – key to maintaining a sustainable city waste treatment plant – would now have to be amended or canceled if someone could not tell customers what incentives plan in budget systems, costs and financial returns.

The Best Ways to Play Massachusetts State Lottery Games

Tickets for instant win Scratch

Have you ever been to a corner store and witnessed an unusual flood of people there, many in and out of their cars, and some just sit mesmerized in a trance state wondering, & # 39; what on earth is this & # 39;? What you just witnessed is the result of a new issue of an Instant Win Scratch ticket from the Massachusetts State Lottery. I'm sure you're not surprised about the fun and the money. There is really only one thing that can create that kind of excitement at corner stores and gas stations for quick stops & # 39; nationwide, so it's no wonder why the state has a legalized monopoly. to the industry.

However, you may be wondering, how do all these people know when a new instant win game is released? The answer is: they are looking at new releases on editions of the New Current Lottery Games on the official website of the Massachusetts State Lottery. That way, they are always given the opportunity to hit the jackpot.

As for the sudden frenzy of it all, it can simply be explained by what we know well throughout the scratch community, in an attempt to gain popularity for the game, every new issue of current games is saturated with winning tickets.

So now it's been a week and the crowds have dissipated on the scratching posts & # 39; and you have several former presidents burning a hole in their pocket. After a cold shower, decide what to do, buy yourself instant lottery tickets! Now comes the dilemma, what game tickets to buy? Before you extinguish these fiery historical figures, check out the current application page on the official website of the Massachusetts State Lottery. In addition, you may want to check out the Instant Rewards page below 1,000,000.

What you are looking for is requested relative to the total column on the right on both pages of the listing. By scanning these two columns, you can easily see how many prizes are available and how many are available. Now at this point it becomes quite obvious that you want to buy tickets only for games that have more unwanted rewards than those that have been requested. After all, why throw your hard-earned money at 46 rewards requests from the 50 available prize cards to play, when you can buy 28 to 66 or 18 versus 80 and have just over 30 to 60 chances to win the grand prize amount! Granted, however, not all of these winners will be in circulation at the time of your purchase.

This begs the question of how much money you spend on instant ticket purchases. Most "professional scratch" notes you need to spend at least $ 100 on one game at a time to have any real chance of winning the Jackpot, claiming that you really need a few full fresh sheets of cards to be okay to improve your scratching chances by revealing that jackpot. No matter how prudent dictates, you can only buy as many tickets as your budget allows. So, if you spend $ 100 just isn't in your budget today, maybe over time, leave some money for a new day of & # 39; would be an acceptable way for both games to be & # 39; and, make it relatively & # 39; accessible to do so.

Cash WinFall

A & # 39; one wheel & # 39; game, Cash WinFall, the latest Massachusetts State Lottery game, has an interesting twist in its jackpot. Money comes down to smaller winners! If no grand prize is won before the jackpot fund reaches $ 2 million, then 2,000,000.00 or more will then be distributed until all lower level wins of that draw. So if the jackpot is $ 2 million or more and there are no jackpot winners, that $ 2 million goes to all prize winners in that draw. Pretty neat! Now it's quite obvious when to play Cash WinFall!

Mega millions

The two-wheeled game, Mega Millions, is a Massachusetts version of the very popular multi-state PowerBall game. Being a two-wheeled game, the odds are pretty high compared to picking all 6 winning numbers. In fact, they are slightly higher than the odds for PowerBall. It could be assumed that the odds are higher, so there will be fewer frequent winners with more points. That's just not the case. PowerBall has jackpot winners, on average over the past year, about once in 6 weeks (8 winners) with 9 figure jackpots at number 4. While Mega Millions has jackpot winners, on average over the past year, about once every 4 weeks (14 winners) with 9 figure jackpots that also have 4. It can be reasonably stated that these figures are the result of the population and economic demographics of the participating countries.

So how do all these people win? The official Mega Millions website pretty clearly states on its Winning Picks page (http://www.megamillions.com/winningpicks/download_numbers.asp) that lottery games like Mega Millions are random and impossible for anyone or any lottery analysis software to predict exactly what the next balls will be. However, patterns can still be noticed from balls that were randomly drawn for different periods & # 39; . That being said, you obviously have a better chance of winning through a lottery form of statistical analysis. For more information on statistical analysis and how this applies to the Massachusetts State Lottery, visit MassLotteryResult.com. So when should you play this game? In fact, you should only play Mega Millions about Week 4 after each Jackpot winner!

The numbers game

A 4-wheeled game and the oldest of the Masterychusetts state lottery games, The Numbers Game has been in operation since 1975. More than 10,000 drawings each day have made players happy winners, tens, hundreds, and thousands of dollars. The number of odds is quite reasonable, one might assume that winning this game is relatively easy. Nothing could be further from the truth. The fact is that the way you are forced to play this game helps to stack the odds much further than you think. With it are all 4 any 4, first 3 last 3 any or exact, double-digit combinations, .25c, .50c, 1, 2 and $ 5 to play, along with payouts of less than $ 10,000, play This game is a real challenge , as well as one that is worth playing. The designers of this old game seem to have overlooked it It's not playable, but the more you win, the more recent games are fully accepted. That being said, The Numbers Game has its merits. There are a lot of people who want to bet only .25c or .50c, and not even Keno offers that option. This game really needs it simple, any 3 & # 39; an option that includes & # 39; only $ 5 & # 39; a bet and a maximum payout of $ 500. This alone could catapult the popularity of Numbers to stratospheric levels. So what is the best way to play this game? They only put .25c and 50c, whatever combinations you want. The layman's perspective is: pick 4 out of 40 at The Numbers Game and maybe win $ 10,000. Choose 5 of 35 at MassCash and definitely win $ 100,000, spending $ 1 or more you need to save on MassCash.


Older single wheel & # 39; a game that has paid its jackpot of $ 100,000 since its inception in 1991 to over 2500 winners! With its reasonable odds and reasonable payoffs, it's easy to see why this older game is still popular. With jackpot winners on almost every drawing and multiple winner, you can play this game whenever it's drawn!


Older single wheel & # 39; a game that has paid out more than 1,700 winners since its inception in 1982, and has varied to the tune of about $ 2.5 billion. A pretty tough game to win, Jackpot winners are paid on average every 10-12 draws. So naturally you only play this game every 10 – 12 draws after the Jackpot winner.


A & a newer single wheel wheel; a computer-driven and masterpiece game of modern Keno gambling, it is designed for people with a lot of time on their hands. After all, where else can you have a chance to win $ 1 million every 5 minutes for 21 hours a day, 6 days a week, and 1pm on Sunday! When should you play this game? Whenever you've had enough drinking time to think you can actually pick 12 out of 20 numbers drawn from a pool of 80. Seriously, Keno is a very fun game and, if played properly, can create hours of enjoyment for a little while without spending money. In fact, people knew they were playing all night and left no poorer than when they started! How is it? Keno lets you win if you don't pick any of the winning numbers! Incredible! Well, maybe it's not all that amazing as lottery officials obviously realized that it's harder to pick none of the winners than to pick 1, 2, 3, or 4 winners when they play a 12, 11, or 10 seat game than win nothing if you select less than 5 winning numbers. But if you are the most amazing person around you, you could win all night! So how do you play this game? Odds are just as good for winning a 7 point bet as a 1st place bet, so you play 7 points even though they are the best of all odds on a two place bet. Simply show up, pick up numbers, pay for the many games that will go to cover, and redeem them as you go.

The Devil in Massachusetts – A Contemporary Investigation of the Salem Witch Trial by Marion L Starkey

The last cover of the issue The devil in Massachusetts I have read that Mrs. Starkey "applies modern psychiatric knowledge to witchcraft hysteria" that struck Salem, Massachusetts in 1692. Although Starkey's work is clearly well researched and historically authentic, neither investigation nor psychological assessment with new insights into the mass panic caused by several of seriously disturbed young girls. The reader is asked question by question, but none of them has posed any of their own conclusions or hypotheses.

The devil in Massachusetts it was elegantly written based on Starkey's explorations of actual trial transcripts, historical records and publications of the time. However, her tendency to ask questions, double negatives, and place subordinate clauses at the beginning of sentences makes the reader double-re-read the paragraphs to understand her message.

The absence of any meaningful dissertation on population can be a driving point in this world after 9/11, regardless of the conclusions that might be drawn in Starkey's 1949 publication. However, it would be interesting to know what caused several young girls, ages eight to eighteen, to suddenly fall into convulsive movements and claim to have been tortured by invisible holes. They exclaimed; members of the community, mostly women, as their tormentors.

Arrests were issued and made with frequent frequency to bring the accused before magistrates who firmly believe in the existence of witches. More distressing than the hysteria the girls were doing was the courts & # 39; a complete ransom of spectral evidence, unseen witches, and wizards that ONLY noticed girls have noticed ONLY. And they weren't the only ones. The families of the accused renounced their relatives at the very thought of being in a witch relationship, even if the woman had never shown any behavior resembling witchcraft. Others stood by their loved ones, bringing in countless witnesses to testify on their behalf. Colder minds did not prevail while the screams and howls of pre-teens gave priority to more educated and healthier people.

Other cities in the Salem area, such as Andover and Ipswich, have encountered similar episodes, but until now thinking has taken place and cases have been dismissed as soon as they began.

Only the important Massachusetts preacher, Cotton Mathers, also got himself into hysteria, and by his own restraint and guilt he failed to save the man he had found innocent. In later years, he succeeded in joining his name to the rescue of the souls of convicted pirates, a crime with more tangible and concrete evidence against the accused.

Despite the lack of any new insights into the Salem witch trials, The devil in Massachusetts it's a great view of the mass confusion, terror and murder in pre-colonial New England. We seem to recall the old saying about repeating history, but if Starkey did not enlighten us on the psychological rationale behind the panic, are we repeating it now? The days of witch hunts to hang or burn them at stake are over. But what about our current witch hunt & # 39; against persons of different race, religion or sexual orientation?

I guess the answer to the first question is & # 39;