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Patents Represented by Law Firm Curtis, Morris and Safford
  • Patent number: 6105357
    Abstract: Method and apparatus for making hollow links or rings and for making chain made from hollow links by receiving seamless wire which has an inner core and an exterior surface, for example, a gold alloy surface, making a perforation in the wire so as to expose the inner core at the perforation, and forming the wire into an open or closed link such that the perforation is located on a hidden portion of the link. The inner core may then be removed from the open or closed link by dissolving it in acid, wherein the acid contacts the inner core at the perforation thus allowing the acid to dissolve the inner core. A chain may be made by coupling each link with at least one preceding link to produce the chain.
    Type: Grant
    Filed: May 31, 1995
    Date of Patent: August 22, 2000
    Inventor: Eitan Weinberg
  • Patent number: 5965400
    Abstract: A purified pneumococcal surface protein A (PspA) comprises a truncated form of the PspA protein which is immunoprotective and contains the protective epitopes of PspA. The PspA protein is soluble in physiologic solution and lacks at least the cell membrane anchor region of the whole protein. The protein is formed by insertion-duplication of mutagenesis of S. pneumoniae with pspA gene and expression of the truncated protein into the growth medium.
    Type: Grant
    Filed: May 23, 1994
    Date of Patent: October 12, 1999
    Assignee: UAB Research Foundation
    Inventors: David E. Briles, Janet L. Yother
  • Patent number: 5932324
    Abstract: The invention relates to a material for producing electrically conducting connections in thermoplastic moldings, wherein the material contains a thermoplastic containing 0.5 to 30% by volume of conductive fibers having a length of 5 to 20 mm and a diameter of 5 to 100 .mu.m and has a volume resistivity of less than 1
    Type: Grant
    Filed: August 4, 1995
    Date of Patent: August 3, 1999
    Assignee: Hoechst Aktiengesellschaft
    Inventor: Bernhard Pfeiffer
  • Patent number: 5911982
    Abstract: Disclosed and claimed is the promoter, full-length or truncated, of the persistence-associated gene 1 (pag1) of Hz-1 virus, vectors containing the promoter, including with exogenous coding DNA, methods employing the vectors, compositions employing the vectors and products therefrom, and probes and primers for the promoter or functional fragment thereof. The promoter of pag1 gene is strong and if not comparable, it is better than the promoter activity demonstrated in the polyhedrin gene in insect cells. In addition, the pag1 promoter can be expressed more prominently as a short promoter. The pag1 promoter can also be expressed in transient transfected and permanently transfected cells. Further, the pag1 promoter can also be expressed when it is inserted into other viruses, such as Autographa californica nuclear polyhedrosis virus. The pag1 promoter has also been shown to express foreign genes strongly, such as in lacZ and luciferase.
    Type: Grant
    Filed: April 18, 1996
    Date of Patent: June 15, 1999
    Assignee: National Science Council
    Inventor: Yu-Chan Chao
  • Patent number: 5891801
    Abstract: A liquid composition for the relief of discomfort, in particular, premenstrual and menstrual discomfort including, as active pharmaceutical agents, an effective amount of one or more of an analgesic, an antihistamine and a diuretic, said active agents being, or adapted to be, dissolved in a liquid vehicle, said composition preferably containing 5-25 percent by volume alcohol (or other effective liquid carrier such as glycerin, or even water) and being flavored with an active flavoring composition including (1) citrus and mint ingredients, (2) vanilla and mint ingredients, or (3) citrus, vanilla and mint ingredients, said active flavoring ingredients being present in an amount sufficient to mask the unpleasant taste of the pharmaceutically active agent(s).
    Type: Grant
    Filed: November 21, 1995
    Date of Patent: April 6, 1999
    Assignee: Calam and Associates, Inc.
    Inventors: Henry D. Calam, Hans A. Schaeffer
  • Patent number: 5846485
    Abstract: A composition suitable for use in an ECL assay wherein electromagnetic radiation emitted by said composition is detected, which composition comprises (a) a metal-containing ECL moiety which, when oxidized by exposure to an effective amount of electrochemical energy, is capable of being converted to an excited state from which electromagnetic radiation is emitted upon exposure of the excited ECL moiety to conditions sufficient to induce said emission; (b) an amine or amine moiety which, when oxidized by exposure to an effective amount of electrochemical energy, forms a strong reducing agent in said composition; and (c) an electrolyte capable of functioning as a medium in which said ECL moiety and said amine or amine moiety can be oxidized by exposure to electrochemical energy.
    Type: Grant
    Filed: June 6, 1995
    Date of Patent: December 8, 1998
    Assignee: IGEN International Inc.
    Inventors: Jonathan Kent Leland, Michael Joseph Powell
  • Patent number: 5846658
    Abstract: A method of making randomly oriented carbons fibrils having a cylindrical constant diameter with c-axes perpendicular to their cylindrical axis, which are free of pyrolytically deposited carbon, with a diameter of between 3.5 and 70 nanometers, by dispersing carbon fibrils in a medium and separating them from the medium, by filtration or evaporation to form a porous mat or sheet.
    Type: Grant
    Filed: June 6, 1995
    Date of Patent: December 8, 1998
    Assignee: Hyperion Catalysis Int'l Inc.
    Inventors: Howard Tennent, Robert W. Hausslein, Nicholas Leventis, David Moy
  • Patent number: 5846803
    Abstract: A process for the isolation and characterization of a gene enzyme system for the inactivation of the herbicide phenmedipham, wherein the enzyme is a carbamate hydrolase of Arthrobacter oxidans, which is responsible for the cleavage of the carbamate bond between the benzene rings of phenmedipham. This process includes the isolation of the carbamate hydrolase, the identification of the amino acid sequence of two BrCN cleavage peptides of the carbamate hydrolase, the synthesis of oligonucleotides for specific determination of the carbamate hydrolase sequence by hybridization and identification of the coding region, cloning and specifying the nucleotide sequence of the carbamate hydrolase gene from Arthrobacter oxidans.
    Type: Grant
    Filed: May 23, 1995
    Date of Patent: December 8, 1998
    Assignee: Hoechst Schering AgrEvo GmbH
    Inventors: Hans-Dieter Pohlenz, Werner Boidol, Wolfgang Streber
  • Patent number: 5829057
    Abstract: The present invention is an article, namely apparel, such as clothing, footwear, fabrics, and the like, which incorporates fabrics or chemicals having a low coefficient of friction either overall or in specific areas of the apparel that will minimize the development of blisters, callouses, and irritation of the skin. The present invention also is an article such as apparel which incorporates fabrics or chemicals having a low coefficient of friction either overall or in specific areas of the outer surface of the apparel that will minimize frictional contact with external objects. The invention also includes methods for producing this low friction apparel and apparel with a low friction outer surface.
    Type: Grant
    Filed: February 14, 1995
    Date of Patent: November 3, 1998
    Assignee: Robert T. Gunn
    Inventor: Robert T. Gunn
  • Patent number: 5819005
    Abstract: A modular digital recording system that records audio on digital audio tapes provides redundancy and the ability to record audio while listening to portions of audio that had been recorded on the DAT. The system uses a hard disc that receives audio for recording simultaneously with the DAT. When one wishes to listen to a voice message, one can activate the hard disc to listen to a particular message while the DAT is still recording. The system is modular so that the capacity can be expanded as required. The system includes a LAN adapter so that the system can provide networking access.
    Type: Grant
    Filed: March 29, 1996
    Date of Patent: October 6, 1998
    Assignee: Dictaphone Corporation
    Inventors: Daniel F. Daly, John Henits, Salvatore J. Morlando, Robert B. Swick, Keith K W Leung, Constantine P. Messologitis
  • Patent number: 5817727
    Abstract: The present invention pertains to a film for detecting chemical substances comprising a homopolymer or a copolymer having recurring units represented by the following formula (I): ##STR1## wherein X is --H, --F, --Cl, --Br, --CH.sub.3, --CF.sub.3, --CN or --CH.sub.2 CH.sub.3 ; and R.sup.1 is --R.sup.2 or --Z--R.sup.2 ;wherein Z is --O--, --S--, --NH--, --NR.sup.2' --, --(C.dbd.Y)--, --(C.dbd.Y)--Y--, --Y--(C.dbd.Y)--, --(SO.sub.2)--, --Y'--(SO.sub.2)--, --(SO.sub.2)--Y'--, --Y'--(SO.sub.2)--Y'--, --NH--(C.dbd.O)--, --(C.dbd.O)--NH--, --(C.dbd.O)--NR.sup.2' --, --Y'--(C.dbd.Y)--Y'-- or --O--(C.dbd.O)--(CH.sub.2).sub.n --(C.dbd.O)--O--;wherein Y is independently O or S, and Y' is independently O or NH, and n is an integer of 0 to 20;and wherein R.sup.2 and R.sup.2' represent independently a hydrogen atom, a linear alkyl group, a branched alkyl group, a cycloalkyl group, an unsaturated hydrocarbon group, an aryl group, a saturated or unsaturated hetero ring or derivatives thereof, provided that R.sup.
    Type: Grant
    Filed: June 7, 1995
    Date of Patent: October 6, 1998
    Assignee: Hoechst Aktiengesellschaft
    Inventors: Werner Prass, Thomas Stehlin, Yuan Liu, Shizuo Ogura, Tetsu Yamamoto, Akihiko Tokida, Kenji Motosugi
  • Patent number: 5810252
    Abstract: Methods and apparatus particularly useful for atomizing a heavy highly viscous liquid into fine droplets (such as petroleum distillate resid to droplets on the order of 100 thousandths of a millimeter), with the aid of at least one auxiliary gas. This employs in a nozzle head an array of a plurality of primary channels and at least two secondary channels associated with each said primary channel. The primary channels each have an inlet end connected to a high pressure source of liquid, and have an outlet end defining an atomization orifice. The secondary channels each have an inlet end being connected to at least one source of auxiliary gas and an outlet end. The outlets of the secondary channels each intersect with a commonly associated primary channel at the same or different locations upstream of the respective atomization orifice at angles of less than, typically or less. Liquid is passed through a plurality of primary channels thereby forming a liquid core stream.
    Type: Grant
    Filed: March 13, 1995
    Date of Patent: September 22, 1998
    Assignee: Total Raffinage Distribution, S.A.
    Inventors: Yannick Pennamen, Didier Quevillon
  • Patent number: 5811236
    Abstract: Electrochemiluminiscent moieties having the formula?Re(P).sub.m (L.sup.1).sub.n (L.sup.2).sub.o (L.sup.3).sub.p (L.sup.4).sub.q (L.sup.5).sub.r (L.sup.6).sub.s !.sub.t (B).sub.uwhereinP is a polydentate ligand of Re;L.sup.1, L.sup.2, L.sup.3, L.sup.4, L.sup.5 and L.sup.6 are ligands of Re, each of which may be the same as or different from each other ligand;B is a substance which is a ligand of Re or is conjugated to one or more of P, L.sup.1, L.sup.2, L.sup.3, L.sup.4, L.sup.5 or L.sup.6 ;m is an integer equal to or greater than 1;each of n, o, p, q, r and s is zero or an integer;t is an integer equal to or greater than 1; andu is an integer equal to or greater than 1;P, L.sup.1, L.sup.2, L.sup.3, L.sup.4, L.sup.5, L.sup.6 and B being of such composition and number that the chemical moiety can be induced to emit electromagnetic radiation and the total number of bonds to Re provided by the ligands of Re being equal to the coordination of Reare disclosed.
    Type: Grant
    Filed: June 6, 1995
    Date of Patent: September 22, 1998
    Assignee: IGEN International, Inc.
    Inventors: Richard J. Massey, Michael J. Powell, Walter J. Dressick, Jonathan K. Leland, Janel K. Hino, Mohindar S. Poonian, Leopoldo Della Ciana
  • Patent number: 5800706
    Abstract: The general area of this invention relates to porous materials made from nanofiber packed beds. More particularly, the invention relates to altering the porosity or packing structure of a nanofiber packed bed structure by blending nanofibers with scaffold particulates having larger dimensions. For example, adding large diameter fibers to a nanotube packed bed to serve as a scaffolding to hold the smaller nanofibers apart and prevent the nanofiber bed structure from collapsing. This increases the average pore size of the mass by changing the pore size distribution and alters the packing structure of the packed bed. The increase in average pore size is caused by the creation of larger channels which improves the flow of liquids or gasses through these materials.
    Type: Grant
    Filed: March 6, 1996
    Date of Patent: September 1, 1998
    Assignee: Hyperion Catalysis International, Inc.
    Inventor: Alan B. Fischer
  • Patent number: 5794659
    Abstract: A valve structure without dead-legs is provided for controlling the flow of gases in a semiconductor fabrication facility. The valve structure comprises a conduit forming a loop with three ports. Flexible metallic diaphragms are selectively operable to open and close two of the ports.
    Type: Grant
    Filed: December 31, 1996
    Date of Patent: August 18, 1998
    Assignees: SCI Systems, Inc., BOC Group Inc.
    Inventors: Ronald R. DuRoss, William K. Tucker
  • Patent number: 5792936
    Abstract: Protoplasts which regenerate reproducibly in a short time to normal, fertile plants can be regenerated from an auxin-autotrophic genotype of Zea mays (L.). Starting from immature embryos on hormone-free media, an auxin-autotrophic, embryogenic callus is formed on the shoot basis of the seedlings, which callus retains its embryogenic potential over a substantial period of time when subcultured on hormone-free medium. In addition to fully-developed embryos, adventitious embryos are also formed under suitable culture conditions (6-9% of sucrose in the medium). When the sucrose content is reduced to 2-3% and 2,4-dichlorophenoxyacetic acid is added, soft, granular calli are formed which consist of embryogenic cell aggregates (type II callus). After subculturing the type II callus in the form of a cell suspension culture, totipotent protoplasts can be isolated. From these protoplasts, the maize plants according to the invention are regenerated.
    Type: Grant
    Filed: June 5, 1995
    Date of Patent: August 11, 1998
    Assignee: Hoechst Aktiengesellschaft
    Inventors: Denes Dudits, Sandor Morocz, Janos Nemeth, Gunter Donn
  • Patent number: 5792755
    Abstract: The invention relates to insecticidal compositions which compriseA) inorganic or organic ammonium salts of the formula I ##STR1## in combination with at least one compound from the group consisting of the compounds silafluofen (4-ethoxyphenyl-?3-(4-fluoro-3-phenoxyphenyl)propyl!dimethylsilane), MTI-723, imidacloprid, ethofenprox (Trebon, MTI-500, (2-(4- ethoxyphenyl)-2-methylpropyl-3-phenoxybenzyl ether), PP 682 (ICI-A5682), T1304, natural or synthetic pyrethroids and phosphorothioates.
    Type: Grant
    Filed: January 18, 1995
    Date of Patent: August 11, 1998
    Assignee: Hoechst Aktiengesellschaft
    Inventors: Alfons Sagenmuller, Hans-Herbert Schubert, Shigeru Uzawa, Kenichi Saito
  • Patent number: 5792268
    Abstract: Apparatus for supporting and holding a circuit board in place in a machine for screen printing a major surface thereof with solder paste. The apparatus includes a member with a surface on which a circuit board rests as the board receives solder paste printing through a screen. The surface has a main groove and distribution grooves that intersect the main groove in communicating relationship therewith at spaced locations along its length. Further, the member has an air removal passageway extending therethrough from one side to the opposite side thereof. The passageway terminates on the one side of the member at an opening located in the main groove. A circuit board resting on the surface over the grooves is held in place during screen printing with solder paste as a result of reduced air pressure established in the grooves when air is withdrawn therefrom through the passageway.
    Type: Grant
    Filed: January 24, 1995
    Date of Patent: August 11, 1998
    Assignee: SCI Systems, Inc.
    Inventor: Michael H. Averell
  • Patent number: 5778962
    Abstract: Method and simplified apparatus for manufacturing aluminum alloys castings, for example those cast aluminum parts utilized in the manufacture of automobile engines: cylinder heads, engine blocks and the like; whereby the castings are cast in a plurality of semi-permanent-type molds, said molds each being movable to a plurality of processing positions along one of a plurality of straight line paths (five in the preferred embodiment), wherein the operations of cleaning, core setting, casting, and casting extraction are performed on each mold at predetermined positions along its respective path and alternating said operations among the molds in order to permit minimization of the number of robot equipment and to increase the aggregate productivity of said molds, since any one processing operation is handled by only one robot arm moving between the plurality of lines seriatim, so that a given process step is performed at any one time only at one of the plurality of lines.
    Type: Grant
    Filed: October 28, 1996
    Date of Patent: July 14, 1998
    Assignee: Tendora Nemak, S.A. de C.V.
    Inventors: Oscar Garza-Ondarza, Gerardo Salinas-Pena, Octavio Juan Ochoa-Rodriguez, David Hugo Carrillo-Cantu
  • Patent number: 5777095
    Abstract: Disclosed and claimed are isolated DNA molecules consisting of nucleotide sequences encoding or priming for ospA and/or ospB of various B. burgdorferi or portions thereof and methods of making and using the same.
    Type: Grant
    Filed: October 26, 1993
    Date of Patent: July 7, 1998
    Assignee: Symbicom Aktiebolag
    Inventors: Alan George Barbour, Sven Bergstrom, Lennart Hansson


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Merchant Fraud Protection Tools

on Jun12

The purpose of this article is to familiarize payment service providers and other merchant services industry players with various merchant fraud protection tools. While one of the previously published articles covered consumer fraud protection tools (from merchant’s perspective), the current article is mostly targeted at PSPs who have multiple merchants in their portfolios, and, consequently, require efficient merchant fraud protection tools to ensure stability and security of their operations.

Information on the nature of merchant fraud can be found in our articles on fraud protection aspect of payment gateway selection, chargebacks and ACH returns.

Merchant fraud protection systems are often incorporated in payment gateway software products. They are based on various criteria for monitoring of each merchant’s transaction processing activity. The incoming flow of transactions is analyzed and checked against these criteria on some regular (usually, daily, or monthly) basis. If some deviations take place, they are immediately flagged, underlying merchants or transactions can be identified, and any necessary measures can be taken as efficiently as possible.

Let us now look into the fundamental criteria, providing the conceptual basis for merchant fraud protection tools.

Some criteria are analyzed on daily basis as well as on month-to-date basis. For instance, maximum transaction amount is a criterion analyzed on daily basis only, while maximum processing volume can be analyzed both daily and monthly.

For every particular business, depending on its nature, a limit is, generally, established for one or more criteria. If the limit is exceeded, the incident is analyzed, and, if necessary, respective measures are taken.

Maximum allowed processing volumes

General transaction volume as well as transaction count are analyzed. At the basic level, maximum and minimum transaction (ticket) amount, which a merchant indicated in the merchant application, are monitored. Significant deviations from these values might indicate some type of merchant fraud.

Maximum deviation from averages

Generally, most businesses follow similar processing patterns from day to day and from month to month with no deviations from average. If any significant deviations from average are registered, they are considered a signal for checking the specific case behind the deviation. Normally, permitted deviations amount to approximately 5-10 %. If this limit is significantly exceeded, it may raise suspicions. Deviation limits should be observed in an average per-transaction amount, average daily (monthly) transaction count, and average daily (monthly) processing volume (in dollars). Generally, 60-day window is used for daily averages, and 12-month window for monthly ones.

For some types of businesses deviations from average are typical (for instance, seasonal or induced by sale of some highly-demanded product), so the criterion is not always a decisive one, but in some cases it can be helpful.

Fraud suspects

One of the signs, which may cause suspicion, is a large number of so-called micro-transactions (below $1). In some situations a large number of even-amount transactions can also be a sign of fraud. For example, if a merchant is a retail business and transaction amounts usually include taxes, an even-amount transaction is rather an exception, than a rule, while for e-commerce businesses even-amount transactions are more common.

Duplicates can either signify actual fraud or just a human error. Duplicates can be analyzed according to several criteria.
For some businesses too many transactions with the same amount are untypical, so this is the case when they might signify fraud. On the other hand, some businesses offer a limited number of products\subscriptions, and for those businesses many transactions with the same amount are common.
Another duplicate-related criterion is the number of transactions associated with the same card number. If the number is too large, it may be a sign of fraud.
In some cases a large number of transactions with the same amount paid using the same card (a combination of the two criteria) during a short period of time (say, a day) may also signify fraudulent activity.

Transaction types

Unusually high percentage of transactions of a certain kind in the overall transaction volume is another representative indicator. If maximal allowed percentage of credits, refunds, verifications (“zero-dollar” transactions), declines, ACH returns or chargebacks is exceeded, it may be a sign of merchant fraud being committed.

Entry mode

In terms of card entry mode there are three basic card transaction groups: swiped, keyed and CNP. If some type of entry mode is dominant for a business, a sudden increase in the number of transactions with a different entry mode may signify fraud.

Off-hours transactions

Some transactions may be submitted during the time, when the business is normally closed (for example, before 8 am or after 8 pm).
For some businesses after-hours processing is acceptable, but unusually large number of transactions submitted after hours may be a sign of potential fraud.
If transaction volume is, usually, consistently distributed across the merchant’s working schedule (for instance, most transactions happen in the morning), sudden shifts in this distribution may also seem suspicious and, potentially, indicate merchant fraud.

Merchant inactivity period

Some merchants stop processing transactions, but do not close their merchant accounts. Such merchant accounts can, potentially, be used by fraudsters. Consequently, the number of days during which there is no activity on the account, should be monitored, in order to prevent potential fraud due to merchant’s lack of attention.
Absence of activity does not signify fraud, but rather, indicates that the merchant is not using the account any more.

Some merchants normally process transactions only on certain days of a week or a month. If such a pattern is broken (for example, a merchant normally processes on Monday, and now there is activity for entire week, or a merchant, normally processing transaction for 20 working days a month, suddenly starts processing for the whole 31 day, it may indicate fraud).

Monitoring of potential merchant fraud signals is critical for payment service providers, which service large numbers of merchants, and assume financial risk and liability for the merchants in their portfolios. In order to efficiently prevent fraud, such businesses need to utilize merchant fraud protection tools.

Visit the UniPayGateway website if you are interested in the diagram illustrating this topic

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Sermon Archive

Sermon Archive

How to Handle a Woman (Colossians 3:19)

John Hanneman, 07/01/2012
Part of the Colossians: The Christ-Formed Church Living Ressurection in Relationships series, preached at a Sunday Morning service

Available Sermon Files:

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Colossians 3:19

19Husbands, love your wives, and be not bitter against them. (KJV)

How to Handle a Woman

Colossians 3:19

John Hanneman

Series: THE CHRIST-FORMED CHURCH: Living Resurrection in Relationships #4
20th Message
Catalog No. 1754
July 1, 2012

How to handle a woman? This is the question that King Arthur ponders in the musical Camelot and a question that men mutter to themselves daily. Like all men, King Arthur is befuddled and puzzled about his wife, in his case Queen Guinevere. He complains to Merlin about his lack of education and wishes that at some point he would have changed into a girl to learn the way the creatures think. As he breaks out in song he asks, how to handle a woman? He wonders whether he should flatter, threaten, cajole, plead, brood or play the gay romancer. The wise old man tells him that none of these methods will suffice. There is a way to handle a woman that is known to every woman, and that is to love her, simply love her, merely love her. If you catch me at some opportune time in a soulful mood, I just might sing the song for you in my best Richard Harris accent.

Lerner and Loewe, the lyricists of the song, were onto something, for they hinted at the apostle Paul’s advice for husbands to love their wives. We continue our summer series looking at the house rules in Colossians 3 and for the second week in a row the focus is on marriage. Last week Bernard carefully navigated us through the stormy waters of headship and submission and Sharon talked about being a wife, relating to a husband as is fitting in the Lord. Today our focus is on husbands. While last week’s topic is controversial and confusing we have no such problem this week.

The Decline of Men

Before I talk about husbands loving their wives I want to talk a little about the challenges that men, married and single, face today in our society. These challenges center on the decline of men and naturally this affects husbands greatly. Many sociologists agree that in the last four or five decades men in our society have fallen into a sleepy malaise. Men are confused and uncertain about what being a man should look like. In general, men have been on a steady decline into passivity, lacking vision and leadership. Several things have contributed to this decline. Let me mention four things briefly.

The first contributing factor is the rise of the women’s movement. In itself this is not a bad thing, in fact it is a very good thing. But as women have grown more assertive and confident men have grown more complacent. In our world today women don’t need a man in order to be successful. When the roles of women were well defined by patriarchal models, men may have still struggled knowing who they were but at least they knew who women were. Strong, capable women make many men uneasy, uncomfortable, and tentative.

Second, the way Hollywood presents the American male has had a negative effect on men. Over the past several years, television sitcoms have portrayed men as ignorant, clumsy, and rather stupid. We laugh at the portrayals we see on television but we subtly extend these perceptions into reality and fulfill these false prophecies. The comedian, George Carlin, known for being sarcastic, says “Women are crazy, men are stupid. And the main reason women are crazy is that men are stupid.” Men struggle to give leadership because they no longer think they are capable or will be successful.

The third factor is the breakdown of the family and the lack of male role models. Men often grow up with fathers who are absent physically and emotionally due to divorce or preoccupation with career. Teachers, coaches and spiritual leaders who misuse their positions and lack vision for shaping young men cause deep wounds through discouraging comments, using young men for their own personal goals, or, as we are all aware, by physical abuse. Young people crave encouraging, positive role models and this was so evident at last week’s Sports Camp. On the final night of camp it was clear how much the kids loved the leaders from Uncharted Waters. John Wayne, pick-up trucks, or playing football do not necessarily define maleness. But men do not know what it might look like. The confusion leads to non-action and an inability to make commitments.

A fourth factor in the decline of men is the rise of pornography and video games. This is especially true for the younger generation. Men can make a world of their own making where they are the superstar or hero. They no longer need community but can retreat into isolation and virtual reality for pleasure and stimulation. “Boys’ brains are being digitally rewired for change, novelty, excitement and constant arousal. That means they’re totally out of sync in traditional classes, which are analog, static, interactively passive.”1 As a result, men are a bit clueless and weak in knowing how to relate to other people, especially to women.

Men face other challenges, but all this to say that it isn’t easy to be a man and consequently it isn’t easy to be a husband. Marriage does not solve the issues men face. On the contrary marriage makes these issues more visible. Therefore it is essential that we remember the context of Colossians. Men, we have been raised with Christ. Our life is hidden with Christ in God. We have already laid aside the old self and have put on the new self that is being transformed into the image of Christ. Our identity in Christ is the key to living out resurrection life in relationships. Therefore, as a husband, we cannot try to implement Paul’s advice without this foundation. But with this foundation we can live with hope because we can break the constraints and limitations of the issues we face and relate to our wives as a new creation in Christ.

A Word for Husbands

Now we come to Paul’s brief word to husbands in Colossians 3:19:

Husbands, love your wives and do not be harsh with them.

Notice that Paul does not say that we are to figure out our wives or understand them totally. I am not sure that it is possible. My wife will tell you that at times she does not understand herself. And of course from my experience the rules change from day to day. Notice also that Paul does not give men a list of jobs that define the male role. Every marriage is going to be different based on the gifts and talents of each partner. Paul simply gives two simple, powerful words. But these words would have been a major change for the first century husband who claimed absolute authority over the house and could treat his wife any way he wanted, where wives were for bearing children and mistresses were commonplace.

There is both a positive and a negative command. Let’s talk about the negative command first. Husbands are not to be harsh. The NASB translation reads: “do not be embittered.” The Message reads: “don’t take advantage of them.” The word means to become bitter, angry, or ill disposed. Harshness is the opposite of loving.

From my experience, most men have an issue with anger and they show this either overtly through aggressive actions and hurtful words or indirectly through manipulation or playing the role of the victim. Men are often wounded and they carry these wounds deep within their hearts, safely hidden behind steel walls that nothing can penetrate. And because these wounds are not dealt with, they surface as anger in relationships due to frustration, disappointment, selfishness, or unmet expectations. The marriage relationship has a way of bringing out this anger in various forms more than any other relationship, where old hurts find a new target. When men grow bitter and frustrated, the wife experiences the effects of her husband’s wounds more than any other person, even if the anger does not directly relate to her.

You might recall that when Paul talked about putting to death the old self he provided two lists of five character traits. The first list consisted of inappropriate sexual practices. The second list deals with anger and harsh words: “now you must also rid yourselves of all such things as these: anger, rage, malice, slander, and filthy language from your lips.” Paul now applies this general instruction directly to husbands.

Men, it is imperative that we face our anger and the source of our anger if we are to be the kind of husbands that God wants us to be. Football is a violent contact sport but it has no place in the home as to how we relate. Maleness is not defined by how tough we are or how loud we can be. Every woman, even the strongest and most aggressive, has a fragile heart and a man can crush that fragile heart with a single harsh word, forcing her to retreat into herself. I know because I speak from my own experience.

Growing up I was a shy, mild-mannered introvert, keeping to myself most of the time. I would have never known or recognized that I had a problem with anger unless I got married. Marriage brought out the worst in me. Like my father before me, I saw that I could blow my top. I saw how angry or frustrated I could get when things didn’t go my way or I didn’t get what I wanted. I saw how my sinful and selfish desires collided with my wife’s sinful and selfish desires. Since my wife could out argue me any day of the week my response was to just talk louder than her and say things to manipulate her. For many years I was unaware that my wife was mush inside and that harsh words could hurt deeply. Over time I came to realize that my anger came from deeper wounds, and opening up to these deeper wounds was essential to my putting away the old self and putting on the new self in Christ.

Men, how do you deal with your frustrations and disappointments? Even if you don’t display anger, is there anger bubbling, simmering underneath the surface? Husbands, do you have a bitter taste in your mouth concerning your wife? Are you holding onto resentments or unmet expectations? If so, I encourage you to not bury these feelings but bring them before the Lord and have a conversation with him about them. Let go of them and let the Lord cleanse your heart.

Well, enough with the negative and on to the positive – I am getting depressed.

The positive command is to love your wife, simply love her, merely love her. In the context of Colossians we might read this in light of what Paul has just said: as God’s beloved and holy people we are to clothe ourselves with compassion, kindness, humility, gentleness and patience. And then Paul added that over all these virtues we are to put on love (Col. 3:12, 14).

What does it mean to love your wife? Most of us know the corresponding passage from Ephesians 5 that defines what Paul intends. In this passage Paul gives two analogies for how to love. The first is to love your wife as Christ loved the church:

Husbands, love your wives, just as Christ loved the church and gave himself up for her to make her holy, cleansing her by the washing with water through the word, and to present her to himself as a radiant church, without stain or wrinkle or any other blemish, but holy and blameless. (Ephesians 5:25-27)

Christ-like love is defined as sacrificial. Christ laid down his life. Although he was God, Jesus emptied himself and humbled Himself by becoming obedient to the point of death, even death on a cross. This means that a husband lays down his life for his wife.

Sacrificial love means dying to self, being other-centered, seeking the other’s highest good, not keeping score, accepting what is instead of what isn’t, forgiving again and again the way God has forgiven you. Sacrificial love is patient and kind and compassionate. Sacrificial love means suffering because to die is to suffer. This is how the husband submits his life in marriage. As Bernard said last week, the wife is called to self-surrender and the husband is called to self-sacrifice.

Sacrificial love is also very purposeful. Christ died so that he could present the church to himself in all her glory, holy and blameless, without stain or wrinkle. Sacrificial love is sanctifying love, love that brings to completion, the end for which we were created.

In the same way, a husband loves his wife so that she might grow spiritually, emotionally, and physically to be the woman God created her to be, not the woman that the man wants her to be. Under the husband’s headship or leadership a wife is intended to flourish. The wife’s gifts and talents are given wings to fly through the husband’s encouragement. A husband does not clip his wife’s wings to keep her grounded.

In the second analogy a husband loves his wife as his own body.

In this same way, husbands ought to love their wives as their own bodies. He who loves his wife loves himself. After all, no one ever hated their own body, but they feed and care for their body, just as Christ does the church… (Ephesians 5:25-29)

The reason for loving a wife as your body is that husband and wife are one flesh and no one hates his flesh. This means that a husband’s love is defined as caring and nurturing. A husband cares for his wife’s needs in the same way he cares for his own needs – needs for rest, exercise, food, medical attention, emotional counseling, and friendship.

If a husband loves his wife less than himself he sees himself as superior. If a husband loves his wife more than himself he sees himself as inferior. Therefore, a husband loves his wife as himself. He loves both himself and his wife well. He learns to grace himself so that he will lavish his wife with the same grace.

What we see is that love is not defined by affectionate or romantic feelings but by an unceasing selfless and gracious giving. To love like Christ is to initiate grace again and again and again. Christ loved us while we were yet sinners. Therefore, as husbands we continue to move toward our wives independent of her mood or response. We are always to lay aside our pride and make the first move. Grace is more important than who is right and who is wrong.

This doesn’t mean that we always pander to our wife’s desires or try to please her or buy her every piece of jewelry she wants. Husbands are not to be “yes” men, always giving way or walking on eggshells. This is not what a woman truly wants. She wants a servant leader who will fight for her and provide a place of safety and trust, a safe harbor where she can let down and not be in control. Her concern is whether or not her husband has her best interests in mind and will love her in the way she needs to be loved. She wants a man who is both strong and caring. A suffering Christ-like husband she cannot deny.

Essentials for Men

Now, I know that this word is not easy, in fact it sounds really impossible. Thankfully, we can rely on God’s strength and power through the Holy Spirit. But let me encourage you with a few things that I consider very important and applicable to both married and single men.

Have a Malleable and Teachable Heart

None of us men start out in marriage as a finished product. Wives you do not marry a finished product. Most of us have no idea of what we are signing up for. I know that I didn’t. I have to confess that it took many years just to begin dying to self. I kept trying to get my wife to die to herself.

Dying to self is a life-long process of letting go of pride and selfishness. We will fail many, many times. We will have to ask our wives for forgiveness frequently. But the most important quality that we can have is being teachable. Instead of growing discouraged we need to be willing to grow and change. Instead of being rigid, stuck in categories from our theological or family backgrounds we need to cultivate a soft, gracious spirit. We turn the soil of our heart over regularly in the same way we would a garden so that Christ-like love for our wife can grow within us through the work of the Holy Spirit.

We ask ourselves constantly: What would it look like today for me to love my wife like Christ? What would it mean today for me to love my wife as my own body? One of the reasons we always go to weddings is to be reminded over and over of what God has called us to do as men. Perhaps what I have said you have heard many times before. But you still need to be reminded.

Understand the Greater Goal

Marriage is not the end, but rather a means to a greater end for both husband and wife. Since marriage is a one-flesh covenant relationship, it is an opportunity to learn how to live in a one-flesh covenant relationship with God. Intimacy, union, freedom and acceptance are the goals of our relationship with God. In the Old Testament, God often refers to himself as a husband to his people Israel (Hosea 2:19-20). In the New Testament, the church is referred to as the bride of Christ. Marriage gives us the opportunity to experience this kind of relationship with someone who is visible.

On another level marriage provides the workshop or laboratory for a man to become like Jesus for both his wife and for the world. As a husband dies to self and loves his wife he gives her and the world a visible picture of Christ. This is a very high calling.

I worked with young singles for some thirty years. As a result I saw many people begin to date and get married. Many times some young man would approach me and talk about his indecision to marry the girl he was dating. He would rattle off his list of what he wanted and wonder if it was okay to commit himself even though he couldn’t check off every item on this list. My response was to tell the young man that he was asking the wrong question. The question wasn’t whether the woman satisfied his wish list but whether God was calling him to become Jesus to this woman.

Let me suggest something. To become like Jesus is the essence of manhood, for both married and single men. If you want to know what it looks like to be a man, just watch Jesus.

Jesus was strong but compassionate, sacrificial but not passive, truthful but loving, firm but gracious, quiet but not tentative. Jesus emptied himself but was wealthy beyond measure, lived in community but spent time alone in prayer, was comfortable with both men and women, and lived a very purposeful life aimed at the kingdom of God not on the world.

Men, to live sacrificially in marriage and in the world will result in being the kind of men that God intended us to be.

Cultivate Male Friendships

I agree with what John Eldredge said in his book Wild at Heart. Men do not learn to be men in the company of women (I might also say in the company of computers) but rather men learn to be men in the company of men. We need men as spiritual companions and friends with whom we can share the good, bad, and ugly of our lives and find encouragement. Instead of venting on our wives or holding things inside we need male community where we can be open and honest about our anger, lust, disappointments, problems at work, struggles in marriage, or difficulties with children.

I know that this isn’t easy. Women tend to be much stronger relationally than men. And fathers of young children often have little time or energy after they fulfill their obligations at work and serve the family. I have noticed in recent years a decline in younger men at our men’s retreats. In the past men bonded over playing sports but in our world men are not as sports-minded. But we shouldn’t give it up because something good happens when men are together and share their lives. So wives, encourage your husbands and help them make this a priority.

Know Deeply and Personally the Love of God

Finally and most importantly, as men we need to know very personally the love of our heavenly Father. How will we love our wives if we do not know the love of Jesus for ourselves? How will we be Jesus to the world if we have never had the inner experience of being with Jesus?

Men, when you sit in silence and solitude, when you lie on your bed at night, do you know in your heart, not just in your mind, that you are deeply loved by your heavenly Father?

Again, this isn’t easy for men. But the value is beyond measure. Men tend to seek God’s love in the arms of a woman. But a woman’s love will never be enough. Knowing the love of God is what frees us up to love our wives. When our primary source for being loved comes from God, when we do not need our wife’s love and affection, then we can love sacrificially and initiate grace for better for worse, for richer for poorer, in sickness and in health. This is the vow we made when we got married.

“How to handle a woman?
Mark me well, I will tell you, sir:
The way to handle a woman
Is to love her...simply love her...
Merely love her.”

1.Philip Zimbardo and Nikita Duncan, The Demise of Guys: Why Boys Are Struggling and What We Can Do About It, TED Conferences, LLC, 2012.

© 2012 Peninsula Bible Church Cupertino


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It’s All About Perspective – A Different Perspective From My Special Needs Daughter

How often are we sitting in traffic, running late, hitting every red light, and becoming more and more frustrated?  Or maybe waiting in a line that never seems to move, or in a doctor’s office waiting room well past your appointment time?  We all experience these frustrations, but we all know that getting angry or frustrated or having a melt-down won’t make the problem go away.

But what about someone who can’t understand the problem and doesn’t understand what is happening?  My daughter is special needs and has autism and cerebral palsy, so she rides the handicapped accessible bus to school.  The bus usually arrives very close to 7:40 am and she is ready and waiting for the bus every day.  For people with autism, routine is very often critically important to maintain order and control.  Explaining that sometimes people are running late, or it will just be “a few more minutes” is lost on a person who has no sense of time other than what is happening in the moment.

Recently my daughter and I went outside at the appointed time to wait for the bus.  We waited, and we waited, and we waited.  As the clock continued to tick and no bus arrived, my daughter started to become more and more anxious.  Had they forgotten her?  (No, that’s never happened before.)  Was there an accident?  (I don’t know, probably not, they are just running late).  When will they be here?  When?  When?  When?

After waiting 30 minutes and no bus or call, I loaded my daughter into our vehicle and took her to school.  That sounds pretty simple; she got to school, so no big deal.  But, that isn’t her routine.  Every day, we wait for the bus, she gets loaded on and we get a “have a great day, and I love you” before she goes.  Yes, she got her “have a great day and I love you” but it wasn’t in our driveway as she waived while riding the wheelchair lift into the bus.  Her routine was completely busted and so was her day.  It took her teachers most of the school day to get her back on track.  A nearly wasted day in school all because the bus was late (apparently it did arrive a few minutes after we had left in my vehicle).

I didn’t write this so someone will feel sorry for my daughter or think we are over-reacting to a late bus.  Rather, next time you’re sitting in parking-lot type traffic, a waiting room, or line that won’t move, remember how interminable that wait or delay is to someone who doesn’t understand what is happening and does not have the ability to cope with the change in routine, and try to keep it in perspective.


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BlackBerry Key2 LE specifications and image leaked

TCL recently announced the BlackBerry KEY2 handset with the classic QWERTY keyboard. Now, the company is reportedly working on a cheaper version of the handset called the BlackBerry Key2 LE. Not many details about the handset had been available until now. Though. that’s all about to change as Android Police has now acquired some key details about the handset along with an image as well.

To begin with, it appears the BlackBerry KEY2 LE will not get the same keypad found on the original Key2. Instead, it’ll come with a keyboard which will be much more compact than the one found on the BlackBerry Key2. Also, its keyboard won’t have the trackpad functionality found on the Key2 and Key One.

In terms of specs,, the device is said to sport a 4.5-inch display with a resolution of 1620×1080 pixels, just like the one found on the BlackBerry Key2.

Under the hood, the handset is said to run the Snapdragon 636 processor bundled with 4GB of RAM and 32GB/64GB of storage. In terms of optics, the device is said to come with 13MP+5MP dual rear cameras while juicing up the device will be a 3000mAh battery.

All in all, the BlackBerry Key2 LE is essentially a toned down variant of the original Key2, apart from its keyboard design. That said, it still gets the full BlackBerry keyboard with fingerprint scanner integrated into the spacebar itself.

There’s no information about the handset’s pricing so far, but going by the specifications we expect it cost slightly lower than the Key2. The BlackBerry Key2 costs around INR 42,000, therefore, we expect the Key2 LE to cost somewhere around INR 35,000.

More details about the BlackBerry Key2 LE are likely to surface in the near future. We’ll update you as soon as we hear anything new. Until then, keep checking back for more.

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How To Stability Work And Household

With the continuing rise of expertise, it’s onerous to not go with the flow. Does your 5-12 months outdated actually need a smartphone? Schoolchildren would possibly need them as, sadly, that’s the manner kids talk at present, and nobody is going to call your landline. If you wish to stay in management and limit access, you may get one of the outright unlocked phones available Your kids can share this cellphone and so they can every have their very own sim card to make use of when needed. Also, you can let your youngsters share a pc. There isn’t any need for every one among them to have their very own. They can merely use one in a communal area.

Leaves are probably the number approach most individuals determine a tree, and it is a nice methodology. Most individuals can immediately inform you what a maple tree leaf seems like, however can they let you know the difference between a sugar maple and a crimson maple? Understanding the difference between the two provides you with the better species for firewood. Along with leaves are the fruit or flowers a tree might product, these will also be a distinguishing sign. Insulation is unquestionably a great wayÂ to control energyÂ wants. Climate stripping will lower heat or AC loss by way of gaps around doors and home windows. It should hold you feeling extra snug, and productive. Blocking gaps and drafts allows your HVAC units to work extra effectively to lower power demands. Ideally, you must have an workplace door which you can maintain closed to reduce heating or cooling needs in the rest of the home.

Educational games convey enjoyable into studying. Should you look at the different educational toys and games obtainable at present, you will understand how helpful these games might be. The very thought of educating children by games is fascinating and really productive. Right here we have now articles constructed on that very concept, schooling by way of games for youngsters of all ages. In order for a building to change into a smartâ€ building, it’s necessary to deploy a wide selection of sensors across the entire structure. The appearance of Web of Things, and the drastic transformation it has introduced within the phase of expertise and connected machines, has so much to do with how different types of IoT sensors developed over the current instances have helped IoT platforms perform and deliver valorous form of intelligence and knowledge.

The 3 R’s are reverence, repetition, and rhythm. Structured group actions consist of finger plays, singing, reciting poems, and doing body actions often called eurythmy. Fairy tales are told to the kids on successive days for up to two weeks, culminating in the story as a puppet present supplied to the children by the instructor or as a play with costumes acted out by the kids with the instructor narrating. Art and crafts encompass water coloring with the three major colors to impart a true appreciation of the character of shade, modeling with beeswax, drawing with beeswax crayons, finger knitting, and baking.

Little devils can be exhausting and as a father or mother you perfectly perceive it. So if you would like to get excellent photos of a child, it’s worthwhile to wait and observe. Your purpose is to discover a photographer who will have the ability to try this. Moreover, plenty of youngsters get shy in entrance of a digital camera not even mentioning a stranger with a camera. So your family photographer must take time for adaptation. Photographer’s persistence will also turn out to be useful for schedule and necessities negotiation process.

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Monday Kfirst Kickstart: “The Soundtrack to My Waiting” #TrailLeader

Hitting the trail with a group of people is a fantastic way to strengthen friendships or get to know new people. While you’re putting in the miles, the person at the FRONT has a vital role in keeping the group together, focused, and safe. That person is known as the Trail Leader. A good Trail Leader will: 1. Keep an eye out for trail markers to navigate the journey. 2. Manage the group’s pace 3. Pause at crossings and junctions to regroup. 4. Recognize and maneuver through challenges. That brings us to the Old Testament figure Moses. For his story can be summed up as the story of a Trail Leader. His life is an epic tale of one who faces personal challenges while leading an entire nation along a journey of twists and turns, freedom and challenges, failures and victories. Our series will follow this Trail Leader from the beginning of his path to the end. And I hope this series will not only help us come to know Moses, but see how the trail he follows speaks into our lives today.

Check out the service from the website or from the Facebook livestream.

Other thoughts from the Youversion notes from Sunday:

  • Whenever I face a season of transition, I must remember: God is present, His promises are true, and He always provides.
  • “Waiting is the in-between time; it calls us to be in this moment this season without leaning so far into the future that we tear our roots from the present. When we learn to wait, we learn to experience where we are as substantial and precious in our life.” Book – “When the heart waits” by Sue Monk Kidd
  • A season of waiting is the opportunity God uses to help us loosen our grip from control and let Him be God in our lives.
  • Waiting is God’s invitation for us to actively engage into a spiritual formation experience.
  • When God invites us to wait, He invites us to release our demands to His desires.
  • What if “waiting on God” was not some grand inconvenience, but rather the very tool God wants to use to shape & change us?
  • God’s transition seasons are packed with Kingdom purpose. We can trust Him in the waiting.
  • I will work with God by waiting on God. (Psalm 130:5-7)

Love you all. Have a great week.

BTW: Here’s a great song for the week…

2 Minute Devo: “He’s waiting for you” John 21:1-14

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October is our journey through the 2 minute series called “Resurrecting Repentance”.  It’s as simple as viewing the vlog and reading the passage for the day.  Today’s passage is John 21:1-14:

John 21:1-14

After this Jesus revealed himself again to the disciples by the Sea of Tiberias, and he revealed himself in this way. Simon Peter, Thomas (called the Twin), Nathanael of Cana in Galilee, the sons of Zebedee, and two others of his disciples were together. Simon Peter said to them, “I am going fishing.” They said to him, “We will go with you.” They went out and got into the boat, but that night they caught nothing.

Just as day was breaking, Jesus stood on the shore; yet the disciples did not know that it was Jesus. Jesus said to them, “Children, do you have any fish?” They answered him, “No.” He said to them, “Cast the net on the right side of the boat, and you will find some.” So they cast it, and now they were not able to haul it in, because of the quantity of fish. That disciplewhom Jesus loved therefore said to Peter, “It is the Lord!” When Simon Peter heard that it was the Lord, he put on his outer garment, for he was stripped for work, and threw himself into the sea. The other disciples came in the boat, dragging the net full of fish, for they were not far from the land, but about a hundred yards[a] off.

When they got out on land, they saw a charcoal fire in place, with fish laid out on it, and bread. 10 Jesus said to them, “Bring some of the fish that you have just caught.” 11 So Simon Peter went aboard and hauled the net ashore, full of large fish, 153 of them. And although there were so many, the net was not torn. 12 Jesus said to them, “Come and have breakfast.”Now none of the disciples dared ask him, “Who are you?” They knew it was the Lord. 13 Jesus came and took the bread and gave it to them, and so with the fish. 14 This was now the third time that Jesus was revealed to the disciples after he was raised from the dead.


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Three Fingers

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Three Fingers Trip Report (#17038)

This familiar trail was a difficult as expected. The hike to Goat Flats is trying, especially for the first mile - lots of roots, mud and some scrambles over 3 large rocks on the trail. Goat Flats was scenic but very buggy. Take plenty of bug juice and don't plan on standing still! Going on to the Three Fingers summit was fantastic. Ice Axe and rope are a must, especially crossing the Queest Alb Glacier just past Camp Saddle. There was way too much exposure for this hiker (about a 1500 foot drop at 60+ degrees). On the way to the summit there is one more difficult glacier crossing where the path reminds me of going over the top hill on a roller coaster ride, you can't see where you are going until you get there! Lacking proper water supply, we were glad to discover an 'oasis' spring about 300 yards from the summit that was cool and very inviting. Of course the summit was everything we imagined with a killer view and an eclectic cabin equipped with a bed, chair, an electric iron (for looking your best on the way down) and much more. Spending the night back at Goat Flats was fun but buggy. I think we would have been better off sleeping at the summit cabin or packing all the way out. The hike down from Goat Flats the next morning was difficult becuase we had 40 lb packs. The trail has lots of big steps and the chance of twisting an ankle is high. We kept our 8 year old hikers back at home for this very reason. This is a great hike, but I'd probably try to find a less bug-infested time of the year if I were planning on camping again, maybe September. Hats off to Peter and Jay, you guys made a great summit team. Next time Dave, Reed and Kevin will get there - for sure! Total times for us were 3 hours to Goat Flats, another three to the summit, then two back down to Goat Flats and two hours back to the trailhead.

Three Fingers Trip Report Index


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Confident City Cycling

Woman's boot on bike pedalConfident City Cycling is taught by League of American Bicyclist Certified Instructors who provide on-road and classroom instructions to give you the basic skills to ride safely and legally on city streets and trails.

Skills include:

  • Smooth and efficient stops and starts
  • How and when to use your gears
  • Scanning over your shoulder and signaling turns
  • Hazard avoidance
  • Emergency stopping

You will also learn:

  • Traffic laws and rules of the road
  • How to avoid the Door Zone
  • Your rights and your responsibilities


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Reading Challenge: 40 books – reviews of books 11-15!

Last year I read 35 books for pleasure. This year I am aiming for 40! After every 5 books I’ll be writing a round-up blog review (without any spoilers!) and all books are linked to Goodreads.
The Couple Next Door by Shari Lapena:
I am very late to this particular bandwagon but, if you haven’t actually read this book yet, you’ve got a great story to look forward to – one that I whizzed through in two days.
Anne and Marco’s baby Cora was kidnapped the night they left her alone to go to a dinner party at their next door neighbours’ house. What follows is almost a twisty reversal of every action and decision made by the couple in the lead up to the night Cora was taken. The omniscient narrator states the facts of the story and describes the feelings of all characters so brilliantly you are immediately submerged into their not-clear-cut-afterall-family. To sound like a complete reviewer cliche: it is gripping.
Bring Me Back by B. A. Paris:
Finn & Ellen are engaged to be married; living in their country cottage, their lives seem idyllic. But Finn was in love with Ellen’s sister Layla before she disappeared without a trace 10 years previously.
Although I was really interested to get to the bottom of Layla’s disappearance, I didn’t actually engage with any of the characters and felt they lacked depth, despite their constant questioning of the mystery of the Russian dolls, which keep appearing out of nowhere as a link to the past. I felt their tension but I didn’t empathise with them unfortunately.
Nevertheless, it was quite a good read and I didn’t expect the twist!
The Cows by Dawn O’Porter:
Another book I wish I had read sooner because it was BRILLIANT! I was constantly desperate to read more yet trying to make it last so it didn’t end too soon! It seems as though everyone is reading and enjoying this book since @mrsgifletcher featured it on her Instagram stories.
It’s the story of three very different women – Tara, Cam and Stella – and how their contrasting (and often complicated) lives eventually intertwine in surprising and compelling ways.
The characterisation is superb, for the primary AND secondary characters; it’s simply impossible not to become invested in their lives and emotionally attached to their stories. It’s funny, shocking and completely addictive. Throughout, you’ll wonder which character you most identify with and whose life you would rather choose. I cannot recommend it enough (plus @hotpatooties’ Instagram stories are extremely entertaining!)!
Along Came A Spider by James Patterson:
This is the first James Patterson novel I have ever read and I really liked it. Detective/Doctor Alex Cross is a sympathetic, likeable, admirable character (although in my mind he’s more of a Dwayne ‘The Rock’ Johnson than a Morgan Freeman as in the movie version!) investigating the ‘Son of Lindbergh’ child kidnapping/serial murder cases in collaboration with the FBI.
As it’s the debut Alex Cross story, Patterson brings him to life by describing his history, family and dogged determination to catch the kidnapper/killer and how he handles the tangible and emotional hurdles he has to overcome in order to do so.
The multi narrative gives you an all-consuming knowledge of the various characters, crimes and deception committed throughout the story, with a surprising twist at the end. I’ll definitely be reading the rest of the series.
The Fear by C. L. Taylor:
The Fear has been on my to-be-read list for a while. Reading the blurb, I thought it would be a bit of a stop-gap book – a brain break easy read – but it was much better than I expected! I got hooked in quickly and zoomed through it in no time.
It’s the fast-paced story of Louise Wandsworth who, as an adult, must face up to difficult events and the worst kind of predator from her teenaged past and, in the process, try to save teenager Chloe Meadows (and potentially others) from harm too.
The character of Louise is written bravely, despite her traumatic experiences, and the story as a whole offers a warning to other teenage girls who may be going through, or have lived through, something similar to Louise and Chloe.
Have you read any of these books – what did you think? My previous reviews can be read here and here.
As a reading obsessive, I’d love to discover a new author with an entire back catalogue to devour (particularly crime fiction!), so please feel free to send me your suggestions!

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Cheapest Car Insurance Companies in Iowa (2020)

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You’ve probably seen more than a few companies claiming to offer the best auto insurance quotes in Iowa. But the truth is that each insurance provider takes a different approach to calculating premiums, and some companies try to gain an edge by offering affordable rates to certain driver types such as safe drivers, drivers with a DUI, or senior drivers. To reduce the hassle of finding low cost car insurance, our Geeks analyzed quotes from some of the leading insurance providers in the state.

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FAQs About Cheap Car Insurance in Iowa

Cheapest Car Insurance Companies in Iowa

If you want the lowest auto insurance premiums in Iowa, you need to compare quotes from multiple providers. We suggest you start with the companies below:

Cheapest InsurerDriver Category
Liberty MutualSafe Drivers
USAADrivers in the Military
State FarmLow Annual Mileage
EsuranceDrivers Who Pay Their Premiums Upfront
High-Risk Drivers

FAQs About Cheap Car Insurance in Iowa

What Are the Minimum Auto Insurance Requirements in Iowa?

In the state of Iowa, drivers must carry auto insurance that covers $20,000 for bodily injury to one person, $40,000 for bodily injuries per accident, and $15,000 for property damage.

What Are the Penalties for Driving Without Car Insurance in Iowa?

In the state of Iowa, all registered motorists must be able to show proof of financial responsibility. If you are unable to do so and you are caught driving without auto insurance, you will face a $250 fine or community service, as well as removal of your license plates and registration receipt or vehicle impoundment. You may also have to pay for vehicle towing and storage fees, as well as a $15 administrative fee for reinstatement.

If you cause an accident while you are driving without insurance, the $250 fine is mandatory. Also, your vehicle could be impounded, and if the other party incurs $1,500 or more in damages, your license and registration will be suspended for 12 months. You will also have to pay a $200 civil penalty during reinstatement.

What Optional Car Insurance Is Available in Iowa?

A minimum policy will ensure you are legal to drive in Iowa and will help cover some of the basic costs in the aftermath of an accident, up to the limits defined in your policy agreement. But the minimum required limits may not cover all the costs incurred, especially if your crash causes wide-ranging, extensive damages.

This is why Iowa car insurers offer higher limits and additional coverage options. Two of the most popular forms of additional insurance include uninsured and underinsured motorist bodily injury cover. These will apply if you are involved with a driver who does not carry the proper insurance and cannot pay for your costs, or if you are unable to identify the driver who caused the crash, such as in the case of a hit-and-run.

What Is the Iowa Automobile Insurance Plan?

Drivers with either many traffic violations on their records or even a few very serious ones, such as driving under the influence or operating with a suspended license, may be considered high-risk prospects by Iowa auto insurers. This means they might have trouble securing insurance in the regular market. The Iowa Automobile Insurance Plan (IA AIP) can help. Formed in 1969, the IA AIP requires all state-licensed insurers to take on a number of high-risk drivers, in proportion to their share of the insurance market.

If you find you cannot secure the proper insurance on your own, ask your broker how to apply for coverage through the plan. While you may not be assigned your preferred insurer, you will be covered for at least three years and will be able to drive legally. You may also use those three years to improve your driving record so that you might be able to apply for a preferential insurance rate in the future.

To apply, you must first prove you have tried and failed to find insurance within the previous 60 days. You will also need a valid driver’s license and a properly Iowa-registered vehicle. You may not be successful, however, if you owe a previous insurer an unpaid premium.

What Determines Car Insurance Rates in Iowa?

You may feel you are a safe and responsible driver who deserves low insurance premiums as a result. But your insurer will look a lot deeper than that. In Iowa, insurance companies may investigate a wide range of criteria to calculate your risk profile, in order to gauge how you might fare as a customer in the future.

Factors they may consider include:

  • Your age, gender, and marital status;
  • Your history of claims with previous insurers;
  • The location of your home, and your car’s parking space;
  • How often you use your vehicle, and for what purpose;
  • The make, model, and age of your car;
  • Your driving record, including the number and nature of violations; and
  • Your credit score.

What Car Insurance Discounts Are Available in Iowa?

If you are a good and defensive driver with a clear history of traffic violations or are financially responsible in other areas, Iowa car insurance companies may attempt to attract your business. They may do this in the form of discounts on your premium.

You can qualify for a discount on your insurance for:

  • Owning a home;
  • Applying to have multiple cars insured;
  • Paying your premium in full;
  • Maintaining a good student record;
  • Deciding to switch insurance providers; or
  • Avoiding dangerous driving behaviors.

What UM/UIM Coverage and Should I Buy it?

Let’s say you were rear-ended while stopped at a traffic light, causing whiplash and a few thousand dollars’ worth of damage to your vehicle. You pull over to the side to assess the damage but the at-fault driver speeds away. There are plenty of reasons why someone would try to evade responsibility, including the lack of auto insurance.

Under normal circumstances, the at-fault driver’s insurance company would pay for your legitimate claims. But if the at-fault party lacks insurance or engages in a hit-and-run, you could be left holding the bag. If your injuries are severe, you also may be on the hook for lost wages and the cost of physical therapy and other related costs.

Uninsured/underinsured motorist coverage is intended to fill this void. So if the at-fault driver is uninsured or underinsured (i.e. doesn’t carry the minimum required by law) – or simply leaves the scene of the accident – you’re still covered.

Iowa law doesn’t require uninsured/underinsured motorist coverage, but it’s a good idea to add it to your policy.

How Does an OWI Affect Car Insurance Rates?

You can expect to pay more for auto insurance if you’re convicted of driving under the influence in Iowa, even if it’s your first offense. Insurance companies are in the business of assessing the risk of any asset they insure; therefore, a customer with a history of drunk driving will be considered “high risk” and thus placed into a corresponding risk category.

Before having your driver’s license reinstated after a suspension (following an OWI or some other traffic-related crime), you will be required to obtain an SR-22 form from your insurer. This certificate informs the Iowa Motor Vehicles Department that you’ve purchased the required minimum insurance.

This form is required for two years, although the conviction will stay on your criminal record for 12 years. However, you may be eligible for a deferred judgment on your OWI offense if it’s your first offense, you haven’t received a deferred judgment in the past (in any state), the accident didn’t result in an injury, and your BAC was below .15 percent. If you comply with the terms of probation, the conviction will go away and won’t appear on your record.

The increase in rates for convicted drunk drivers and other high-risk drivers varies by insurer, but you could be considered high-risk (and pay accordingly) for as long as the conviction is on your record.

How Does Iowa’s Points System Work?

In Iowa, a traffic ticket comes with points. How many points you receive will depend on the severity of the crash. The more serious the violation, the more points will be added to your record. Accumulating too many points can have severe consequences.

The Iowa Driver & Identification Services (ODS) will suspend your license if you are convicted of at least three moving violations within a 12-month period, or six moving violations or more in two years.

How long will you be without your license? That depends how many points you have been assigned, which in turn depends on the nature of your offenses.

Driving with a suspended license, for example, will add two points to your record, while driving with a blood-alcohol concentration of 0.08 percent or more will land you with four points. Accumulating up to seven points within a 12-month period could lead to a two-year suspension, while on the other end of the scale, 10 points or more within a year can keep you off the road for up to six years.

Points on your record also give car insurance companies a reason to hike your premium. Avoiding risky driving behaviors and keeping within the laws of the road will help keep your record clean and your rates as low as possible.

What Are the Most Important Traffic Laws for Drivers to Know?

Iowa’s Distracted Driving Laws

In 2017, Iowa implemented a distracted driving primary law. This means a law enforcement officer may stop any driver who is visibly texting, or using any other kind of portable electronic device, while behind the wheel of a moving vehicle. Before this law came into effect, you had to be violating another traffic rule at the time, in order to be pulled over and charged.

You may, however, use a cell phone to make or receive a call or to use the GPS function while in the car, provided you are over the age of 18.

If you are caught texting while driving in Iowa, you could face fines totaling over $100, and if you are convicted of causing a crash due to becoming distracted while texting, you could be sentenced to u to 10 years in prison.

Drunk Driving Laws in Iowa

Iowa classifies driving while under the influence of alcohol or other drugs under one heading, known as the Operating While Intoxicated Law. You will be arrested if you are tested and your blood-alcohol concentration is over 0.08 percent, or if you are under the age of 21 and your BAC is 0.02 percent or more.

Iowa’s implied consent law means that you may be pulled over and ordered to undergo a blood, urine, or breath test to gauge how much alcohol is in your system. If you fail this chemical test, the DOT will suspend your license.

First-time OWI offenders will lose their license for 180 days, while second and subsequent offenses will see your license suspended for anything between one and six years. In addition, you will most likely face criminal charges.

By the Numbers: Car Accidents in Iowa

There were 2,284,337 licensed drivers in Iowa in 2017, according to the Iowa Department of Transportation. In total, 55,032 accidents were reported for year, which caused 18,705 injuries and 330 fatalities.
A total of 404 people were killed in road accidents in Iowa in 2016, according to the National Highway Traffic Safety Administration. This is an increase of over 26 percent from the year before.
Between 2003 and 2012, 968 people were killed in crashes involving a drunk driver in Iowa, reports the Centers for Disease Control and Prevention.

cheapest car insurance in iowa

Get updates on auto insurance on the PennyGeeks blog.


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Sailor Hi-Ace Neo Fountain Pen Review

Sailor Hi-Ace Neo review

Sailor are best known for their rather wonderful gold-nibbed pens but an increasing number of their more affordable steel-nibbed pens are becoming available outside Japan. The Hi-Ace Neo is about affordable as a fountain pen can get, coming in at under a tenner. Is it any good?

I was able to get this pen at a discount thanks to Cult Pens’ support of the site. These are my own honest opinions.

Price: £8.40 (UK) $16.50 (USA)
Nib options: steel, fine only
Barrel options: red, blue, green or black
Filling system: Sailor cartridge/converter (converter not supplied)
Size: 1.1cm diameter; 12.4cm unposted, 15cm posted
Weight: 11g

Sailor Hi-Ace Neo uncapped

The Hi-Ace Neo (where do these names come from?) is available in four different colours, all with a black section, but with only a fine nib. It’s a Japanese fine which means it’s narrower than most European extra-fine nibs. The nib on my pen was pretty smooth (considering how fine it is) and had a good flow. I was quite impressed.

Sailor Hi-Ace Neo nib

The pen itself doesn’t try to disguise its budget nature. It looks like a cheap pen and the hard plastic feels cheap in the hand, too. However, it’s light and it’s a reasonable length and so doesn’t feel out of balance (posted or not) and is fairly comfortable to write with.

Sailor Hi-Ace Neo posted

The clip is fairly strong. The cap pushes on to close and to post with a satisfying click.

Sailor Hi-Ace Neo capped

Sailor have their own sized cartridges and converters. A converter, which isn’t included, costs almost as much as the pen but cartridges are reasonably affordable.

Sailor Hi-Ace Neo in pieces

The only other pen I’ve tried at this price with a nib this fine is the Platinum Carbon. (The Platinum Preppy’s nib isn’t as fine and the Pilot Metropolitan is a lot pricier here.) That pen has a really great nib but is very much a desk pen due to its length. This is a much more practical pen for every day use.

Excellent value
Good very fine nib

Can’t hide its budget nature
Proprietary cartridge/converter system adds to cost

Sailor Hi-Ace Neo handwritten review

  1. Hello! I’ve just started my fountain pen hobby, partly to get away from cheap biros, partly to try something other than disposable fineliners for outdoor sketching. I started off with a clutch of Preppies and decided I liked the 03 Fine for sketching, but it’s already started to crack and that printed label takes some shifting.
    So I looked around for other affordable ‘Japanese fine’ FPs and (getting to the point!) found the Sailor Hi-Ace Neo. It looks to fit my wants in a few ways (function over form, mostly) but on reading your review I’m a bit confused by the comparison to the Preppy. Is the difference between nib size a slight variance; or are Preppy nibs more like European nibs, and is the Hi-Ace Neo more like a Preppy EF?

    Great review, too. It’s very helpful to me in my pen hunt.

  2. Hi Warren. As the Preppy nibs are labelled differently (03, 05) it’s tricky to make a direct comparison but if you were to think of the 03 as a Japanese fine, the Hi-Ace Neo is firmly in the Japanese extra-fine ballpark. My favourite pen for sketching though is the Platinum Carbon Pen. The only problem with it is that it’s very very long. However you can cut most of the barrel off to make it a practical size. It’s got a lovely nib and it’s designed for Platinum’s Carbon ink which is lightfast and waterproof.

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Arrival at Bike NC

We took a leisurely departure from Medoc Mountain and got to Edenton around noon under overcast skies. We checked out the place where we had been directed for RV check-in, but no one was there. So we cruised past our designated camping area, which looks quite nice and if we can secure a site early enough, we imagined ourselves on the western side of the open area, where some tall trees would offer afternoon shade, but we could still take advantage of the eastern sun for solar gain.

Hunger took hold about then, and we cruised back through town to a place where we could both get into and out of without any backing and it appeared we could get a take-away burger. Our plan was to take lunch back to the RV check-in area and “camp out” there until we could find someone to check us in. I think the restaurant was called a Dairy Freeze or something, but it fersure was not a chain outfit. Sure, they sold soft-serve ice cream, but our order of burgers and fries was called back to the single cook in the back, and everything was made fresh. It was really quite tasty.

As we rolled up to the check-in area, there was a guy setting up a tent. We asked if we could head on down to the site, and he made a phone call and said, “Sure, go ahead.”

A fellow on a golf cart met us and led us to the area, and when he thought we might want to be near the toilet trailer (which was on the eastern most side) we asked if we could head to the other side, and he said “sure.”

We got a primo spent with no neighbors possible at our “back” and shade coming up even as we set up, around 1PM.

Niche camping in the shade – no one can be at our back or our tail. Nice.
So very glad that we’re not anywhere near the chaos of Tent City, which has been parceled out all over the waterfront area and seems to have grown since the last time we were here, about 5-6 years ago when the nighttime tornado touched down in Tent City and the tree fell on one of the tents (but missed the single occupant, thank goodness).

This was the nieghborhood of the tornado a few years ago. We are NOT here (thank goodness).
The shower trucks, however, are over at Tent City, so we’ll have a bit of a hike to shower each day. But we’re totally in an awesome spot. The neighbor who owns one of the houses surrounding this open field came to speak with us, and she’s just totally into the whole bicycling scene, and welcomed us heartily. We wandered into town later and found a beer and wine store, and gave her a nice chilled white, for being so hospitable.

During our walk, it is quite evident that the citizens of Edenton have made great strides to spruce up their homes and neighborhoods. Some of the houses are just lovely, and there are a lot of restaurants and boutiques to choose from for eating and shopping. And the flowers are way ahead of ours back home, and are simply lovely this time of year. Nice place, Edenton.

With our own bottle of wine and a couple of beers, we settled back into our very shady and breezy site, met some new neighbors who’d set up while we were walking around, and enjoyed a leisurely break before heading back into town for dinner.

Met up with a couple of Bike Virginia and Alan’s Bike Tour regulars while poking around town. They’re staying in a private home that’s available for groups to rent and apparently a bunch are all staying there and riding and enjoying each other’s company. It was fun to see familiar faces – but then again, at these types of group rides, everyone’s your buddy for at least the length of the tour. Many friendly folks around town today, and more expected for tomorrow.

Looking forward to a 30-40 mile ride tomorrow – maybe we’ll beat the rain that’s forecast.


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Peregrine Farm News Vol. 11 #31, 11/21/14

What’s been going on!

Back from Jamaica, alive and well.  Sixteen days is a long time to be gone and Betsy and Jennie did a great job in keeping everything rolling and protecting all the crops from the unusually cold weather, 14 degrees two days ago, way too cold for this early in the season.

Jamaica was beautiful and interesting.  Enlightening, uplifting and depressing all at the same time.  It is certainly a place of deep contrasts between the touristy north shore and the poverty of the south shore, particularly the far eastern parish of St. Thomas where I was.  A good place to be working with small farmers to help move them both towards organic farming practices but also direct marketing of their products so they can make the most income possible from their efforts and help reduce the amount of food imported into the country.

The farmers were friendly, open, eager, hardworking and looking for a break in what has been a long line of difficulties including hurricanes, drought, diseases and unscrupulous exporters.  The Jamaica Sustainable Farm Enterprise project is a three and a half year effort that will bring in 70 volunteers with both farming and marketing expertise to work with 150 farmers from all across the island but particularly in the eastern end of the country.  I just happened to be the first volunteer to work with the first ten farmers, their fledgling farmers’ market in Kingston and look at the whole project from a 30,000 foot level.

More stories later but more immediately we have this big food holiday coming up.  Two markets in four days for you to get everything you need for the big meal.  Of course tomorrow 9:00 to noon and then Tuesday afternoon, the special pre-Thanksgiving market 3:00-6:00.  The weather looks perfect for both.  If you want to have us save something special for you in advance, for either market, please let us know as early as possible so we can set it aside.

 Picture of the Week

Showing farmers in the Plantain Garden River plains how to use a walk behind tractor

What’s going to be at the market?

Remember that Market starts at 9:00 tomorrow, don’t be too early!

Salad greens Red Leaf, Green Boston and Salad Mix lettuces.  Sweet Spinach.  Beautiful cooking greens with Collards, Escarole and Bok choi.

Roots, roots.  Carolina Ruby Sweet Potatoes, sweet Watermelon and spicier Black Spanish radishes, orange and purple Carrots, tender and sweet Japanese Turnips.  Baby Ginger to go with the sweet potatoes.

Leeks, green onions and Fennel.  Baby Celery, perfect for seasoning, on Tuesday.  Cilantro, Dill, Italian Parsley in herbs.  Still Red and Green Bell Peppers.

Winter Squash with Spaghetti, Butternut and Acorn.

As a reminder if there is anything that you would like for us to hold for you at market just let us know by e-mail, by the evening before, and we will be glad to put it aside for you.

Hope to see you all at the market!

Alex, Betsy and Jennie

If you know folks who you think would be interested in news of the farm then please feel free to forward this to them and encourage them to sign up at the website.

4 thoughts on “Peregrine Farm News Vol. 11 #31, 11/21/14

  1. Good for you, Alex, volunteering down there in Jamaica, although not sure whether you are envied or admired when the temperatures here dropped into the teens!

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