Archive for February, 2016

Tips on How to Choose Between Debt Settlement vs. Bankruptcy


Cedric Loiselle

Sometimes, some people think that declaring bankruptcy is the only way on how they could remedy their credit card debt problem. They don t really realize that there are other ways, such as debt settlement, which would also be able to help them in their current situation. Here are a few tips to help people decide which method to choose; debt settlement vs. bankruptcy.

The first thing that needs to be done is to determine the severity of the debt. This could be done by checking the credit card record which will be able to tell about negative payments made, this would include charge offs or late payments. In addition to this, the credit card owner should also be able to determine the total amount that he or she owes. Once this is done, the salary and other sources of income should also be calculated and compared with the amount of debt. This will clearly show if the credit card owner is capable of paying his or her current debt. When the income is just enough to pay for the basic financial needs, it is advised that they choose to file a bankruptcy over debt settlement because it is clear that you really can t afford to settle. Now, the only problem is to determine if the credit card owner qualifies for the chapter 7 or the chapter 13 bankruptcy.

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Another thing that could be done to help choose between debt settlement vs. bankruptcy is to find a settlement company, which require various amounts of outstanding balance, to negotiate with the creditors. In addition to this, credit card owners should also have an idea on the impact of the bankruptcy on their credit score and if bankruptcy could really clear up all of their debts. Sometimes, the damaged done by filing a bankruptcy on the credit score is not worth waving the debt. Some prefer to find someone to settle the debt because it would not lower the credit score, it might even increase the credit score.

The credit score is highly important to people who are considering loaning money for their home or cars in the future. Filling for bankruptcy decreases the credit score and leaves a negative remark on the credit report for up to 10 years. When this happens, it would be more difficult to loan for money that could be used for mortgage.

Although being not qualified for bankruptcy and not finding a settlement company rarely happens, it should be noted that people who undergo this situation could choose to consolidate bills and enrol in a consolidation program. It is also important to note that with whatever method is chosen, the credit card owner should still pay for the service fee that the third party charges them. Some people who believe that they can negotiate well with the creditors that is why they do not hire third party to do the negotiations for them. This leads them to saving money, but this should only be done when the credit card owner is sure that he or she can negotiate well with the creditors.

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Tips on How to Choose Between Debt Settlement vs. Bankruptcy


Department for Business, Innovation and Skills

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The Department for Business, Innovation & Skills (BIS) is a ministerial department of the United Kingdom Government created on 5 June 2009 by the merger of the Department for Innovation, Universities and Skills (DIUS) and the Department for Business, Enterprise and Regulatory Reform (BERR).[2]

The BIS Ministers are as follows:[3]

The Permanent Secretary is Martin Donnelly, following the departure of Simon Fraser CMG, on 26 August 2010.

The department is responsible for UK Government policy in the following areas:[3]

Some policies apply to England alone due to devolution, while others are not devolved and therefore apply to other nations of the United Kingdom.

Economic policy is mostly devolved but several important policy areas are reserved to Westminster. Further and higher education policy is mostly devolved. Reserved and excepted matters are outlined below.


Reserved matters:[5]

The Scottish Government Economy and Education Directorates handle devolved economic and further and higher education policy respectively.

Northern Ireland

Reserved matters:[6]

Excepted matter:[7]

The department’s main counterparts are:[8]


Under the Welsh devolution settlement, specific policy areas are transferred to the Welsh Government rather than reserved to Westminster.

Precursor departments:



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Thursday, February 5, 2015 

Target Canada will be closing its 133 stores soon, but first they are starting their liquidation today. The prices will be anywhere from 5 to eventually eighty percent off of their normal rate. Target customers will also be able to buy Target’s work articles and shelves. This is a big loss in the aspect of employment in Canada because around 17,000 Target employees will now be unemployed because of the shut down of its stores. The sale is expected to run around 2 months. However, the merchandise offered will differ because some stores have not been taking in anymore product.

Another concern for Target Canada is the pharmacies set up within the stores that are not affliated with Target that will now have virtually no time to find new workspaces and no time to come up with a plan for their customers. Target Canada opened its doors in March 2013 and within the first year were already $7 billion in the hole and, according to their calculations, were not going to see a signigicant profit for many years. Landlords that own the spaces where the stores are located will be faced with the difficult challenge of finding new tenants while malls will be challenged with the loss of a huge store within their businesses.



User:Rfshipman1/reacting to the past

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Reacting to the Past

Reacting to the Past (RTTP) is a series of elaborately designed role-playing games in which students assume historical roles from a famous moment in history and then pursue the goals of their assigned character-in collaboration with some classmates and in opposition to other. Class sessions are run entirely by students, but instructors advise and guide students and grade their oral and written work

The RTTP method teaches skills in research, writing, public speaking, and teamwork and has a proven record of engaging undergraduate students in ways uncommon for American university students. It seeks to draw students into the past, promote engagement with big ideas and improve intellectual and academic skills.

The RTTP curriculum was pioneered in the late 1990s by Professor of History at Barnard College Mark Carnes, and has been implemented by faculty at over 350 colleges and universities in the U.S. and abroad since dissemination began in 2001.

Games last from two to five weeks and are set in the past, but each game also explores multiple additional disciplines.

The RTTP initiative is sustained by the Reacting Consortium (RC), an alliance of colleges, universities, and individual faculty committed to developing and publishing the RTTP series of role playing games for higher education. Through the main program office at Barnard, the Consortium provides programs for faculty development and curricular change, including a regular series of conferences and workshops, online instructor resources, and consulting services. For those interested in developing their own games, the Consortium also has an Editorial Board that provides guidance and oversight during the game development process from concept to official designation and publication.

Part of the intellectual appeal of RTTP is that it transcends disciplinary structures. In addition to games currently published in the RTTP Series by W. W. Norton, it seeks to expand the curriculum by supporting faculty workshops and collaboration on new game designs that explore a variety of historical moments in the humanities and sciences.

Professor of History at Eastern Michigan University (EMU) Mark Higbee is the unpublished co-author and creator of the RTTP game “Fredrick Douglas, Slavery, Abolitionism and The Constitution 1845,” and has been using the RTTP pedagogy for eight years.

“I am very involved in it in my own University and at other campuses as well,” Higbee said. “(By) supporting people who are trying it out.”

The RTTP method began about 15 years ago at Barnard College in New York City, which is very good, private liberal arts college for women and the particular historian there Carnes came up with the idea of creating games that would focus on the conflicts that were already being discussed in the curriculum for the class he was teaching, said Higbee

“The first four or five games were ones that Mark Carnes created. These are small books that can be used at any school that wants them. There’s probably thousands of RTTP instructors across the country and relatively few, maybe 30 or 40, reacting games,” Higbee said. “Most of which have not been published yet but are still used in class.”

Higbee said a major part of creating a reacting game is trial and error which makes the process more interactive.

He read about it around ten years ago during a period where he was looking for more engaging ways of teaching, he said.

“I could tell that most students in most classes were not particularly thrilled to be there,” Higbee said. “So I read about (RTTP) in a national publication called The Chronicle of Higher Education I thought, ‘Wow this sounds interesting’.”

Within a year or two Higbee attended an RTTP workshop during which a group of professors played one of the games over a two day time period.

“I was just totally sold on it. My question was, ‘Will it work with EMU students?’ And then I tried it with the EMU students and it worked very well,” Higbee said. “It’s not the solution to everything, but it is a way to turn the classroom into a more of a student focus-RTTP is not about the professors performance (or) how good of a lecture can he or she give, it’s about what students can demonstrate that they understand that they have learned and how they react to others.”

RTTP was honored with the 2004 Theodore Hesburgh Award for pedagogical innovation.

The project has received developmental support from the Carnegie Corporation of New York, Christian A. Johnson Endeavor Foundation, Spencer Foundation,National Science Foundation, Teagle Foundation and FIPSE, U.S. Department of Education. RTTP has also been featured in Change magazine, the Chronicle Review, the New York Times, the Chronicle of Higher Education, the Christian Science Monitor and elsewhere.


Interview with Mark Higabee. History Professor at eastern Michigan University (EMU). Author of the Fredrick Douglas RTTP game “Fredrick Douglas, Slavery, Abolitionism and The Constitution 1845” .

Q-“What is your connection with Reacting to the Past”

A-“I have been using the Reacting to the Past pedagogy since I guess eight years and I am very involved in it in my own University and at other campuses as well. You know supporting people who are trying it out and I’m an author of a Reacting to the Past game-the Fredrick Douglas game Sakina has used. I’m the main author, there are two authors of that. Basically I created it and it’s been used a couple different schools around the country.”

Q-“What University do you teach at?”

A-“Eastern Michigan University”

Q-“How did you first discover RTTP?”

A-“I read about it about ten years ago and I went through a period where I was looking for more engaging ways of teaching. I could tell that most students in most classes were not particularly thrilled to be there. So I was looking around for more engaging ways of teaching. So I read about the RTTP in a national publication called the Chronicle of Higher Education I thought, ‘Wow this sounds interesting.’ Within a year or two I was able to go to a RTTP workshop where a bunch of professors played a game in a two day time period and I would think, ‘Wow this could be interesting,’ and I was just totally sold on it. My question was, ‘Will it work with EMU students?’ And then I tried it with the EMU students and it worked very well. So its not the solution to everything but it is a way to turn the classroom into a more student focused-RTTP is not about the professors performance; how good a lecture can he or she give. Its about what students can demonstrate that they understand that they have learned and how they react to others.”

Q-“How did you go about becoming an author for one of the games?’

A-“The RTTP method began about 15 years ago at Barnard College in New York city which is very good, private liberal arts college for women and the particular historian there Mark Carnes came up with the idea of creating games that would focus on the conflicts that were already being discussed in the curriculum for the class he was teaching. The first four or five games were ones that Mark Carnes created. These are small books that can be used at any school that wants them. There’s probably thousands of RTTP instructors across the country and relatively few, maybe 30 or 40, reacting games. Most of which have not been published yet but are still used in class. So then a part of creating a reacting game is trial and error, that you have an idea and you try it in class. So its more interactive, the process of creating the Reacting game than.”

Q-“What is the title of your game?”

A-“It is not published. Its available by download and when students get it it’s a coarse package typically. So it’s used a lot and publication of books is a slower process today than the internet. Title=”Fredrick Douglas, Slavery, Abolitionism and The Constitution 1845.” That year is the year that Fredrick Douglas published his famous narrative, his autobiography about his life as a slave. he was in his mid-20s at the time. It is the main text for this game so everybody who plays that game should read that book.”

Information from Barnard University’s Mike Carnes

Dissemination to other schools began in 2001 2004 Theodore Hesburgh Award for pedagogical innovation. “The project has received developmental support from the Carnegie Corporation of New York, Christian A. Johnson Endeavor Foundation, Spencer Foundation,National Science Foundation, Teagle Foundation, and FIPSE, U.S. Department of Education. RTTP has also been featured in Change magazine, the Chronicle Review, the New York Times, the Chronicle of Higher Education, the Christian Science Monitor; and elsewhere 350+ schools now”

Template:Title=Reacting to the Past Template:Date=April 30, Wednesday


How To Sharpen Your Tactical Knife

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By Dean Gammell

There are various ways of sharpening a knife but it is always wise to remember that handling knives can be inherently dangerous. When sharpening knives, it is wise to maintain safety. Keep fingers, toes and all body parts from the knife’s sharp blade. When using knives, pay attention and stay safe. With the numerous functional knife sharpeners available, knife sharpening can be a simple procedure. Ensure that common mistakes like failure to establish new edges, uncontrolled bevel angle and making the bevel rough are prevented.

Firstly, pick the right angle for sharpening the knife. In case one already knows the angle that the knife was sharpened at, then sharpen using that angle. If the angle used previously is unknown, consider asking the manufacturer or alternatively make inquiries from knowledgeable knife shops. Choose angles of 100 to 300 per each side. Shallow angles result in sharper edges than last for just a short while. Steep angles like 200are the best choice as they last longer. Always select angles matching the knife’s use. When selecting a sharpening system, ensure it offers a mechanism for edge guide supporting at least different angles.

To control the angle for the knife’s edges, it is wise to use a guide for angles or else the user will be required to control angles using hands. This is hard as it will require a well-rounded angles perception. For symmetrical edges, sharpen a knife by moving it over a lubricated sharpening stone in an opposite direction. This gives room for the formation of a purr on the stone prolonging its life. Go on sharpening using the same angle until the grind reaches halfway through the knife but the grinding must not be precise, estimation can be made; scandi grinding and chisel grinding is best for one-sided edges.

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Then turn over the knife to file the other edge of the knife until a new sharp edge is created. The simplest way of determining enough metal has been removed is by sharpening until a burr is raised. Burr is a feature naturally formed by steel when a single bevel is sharpened until another bevel is met. It may be very small to see but it can be felt by the hands when it scrapes the thumb. Do this by stroking away the knife’s dull side towards the sharp side using the edges. Fine sharpening stones generate smaller purrs.

If enough metal is not removed in order to create new sharp edges, some dull edge will be left in place. Dull edges or blades with nicks reflect light from the blade’s edge. A knife with a sharp edge does not display bright spots when held under bright light. One may be required to get rid of enough metal from bevel sides in order for the edge to stop reflecting light. Turn the knife again and sharpen the blunt side in the same fashion as previously stated. Always remove the emerging burr through making a cut into a fine stone known as a hone.

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The following 27 pages are in this category, out of 27 total.


User talk:Jiexila

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Whether it’s made from leather or plastic, beads or metal, diamonds or gold, the bracelet has adorned the arms of civilization because the dawn of your rings , The word “bracelet” arises from the Latin word “brachile,” meaning “of the ,”Bracelets Round the WorldPerhaps one of the more historically significant bracelets, the Scarab Bracelet is a recognized symbol of ancient Egypt.victorias secret , Representing rebirth and regeneration, carved scarabs were donned by ancient Egyptians and placed within the linen bandages of pharaohs when they died.abercrombie zwembroek ,In Latin America, the Azabache bracelet is known as emblematic which also provides protection. The gold bracelet with a black or red coral charm in the form of a fist is believed to protect the wearer from the Mal de ojo, or evil eye, which is caused by excessive admiration. Newborn babies, especially, receive a Azabache bracelet to wear in protection from the evil eye.Bangles are traditional bracelets worn by Pakistani and Indian women. Women put them on to denote their married status. Gold and glass bangles are especially popular with Indian women who wear one or more on each arm. Bracelets studded with semi-precious stones, diamonds and pearls are seen as the most expensive.Bracelets: Fads and FashionThe idea of a tennis bracelet may cause some confusion. What exactly does a stylish piece of jewelry have to do with the activity? In actuality, the tennis bracelet took its name when Chris Evert, former no. 1 woman tennis player, was playing a match in the U.S. Open. Suddenly, Evert stopped the match to look for the diamond bracelet she always wore on the court, that was accidentally broken while she was playing. As Evert retrieved her bracelet, millions of onlooker at the match and on television watched the live event unfold. The incident sparked a brand new reputation for the bracelet, in addition to a huge jewelry trend. Even today, tennis stars such Serena Williams and Gabriela Sabatini sport their own tennis bracelets.Another sports star helped to spark another bracelet trend of their own. Believed lance armstrong, record-breaking winner from the Tour de France, first wore the silicone rubber bracelet in 2004, that was known as the Yellow Livestrong wristband. Launched to raise funds for cancer research for that Believed lance armstrong Foundation and developed by Nike, the Livestrong wristband has raised millions of dollars and gained worldwide status.Made from embroidery floss or thread, friendship bracelets really are a version of macram? and have enjoyed popularity for many years. Based on tradition, the person receiving the friendship bracelet must wear it before cords wear and the bracelet falls off naturally. The sentiment behind the friendship bracelet is that it is made with love and difficult work and really should therefore be worn in such a fashion to honor the friend’s effort. Patterns of friendship bracelets vary however, many of the very popular styles include the bordered chevron, broken ladder and candy stripe. Due to their versatility, friendship bracelets are worn by both genders and are especially popular with tween and teenage girls, in addition to hippies and dead heads, or fans from the band Grateful Dead. The friendship bracelet is also commonly worn by surfers, who prefer thicker styles that wear longer.Bead bracelets are among the oldest human artistic representations, dating back ancient Mesopotamia and Egypt. Bead bracelets are also a typical talent with Southwestern American Indian jewelry, often designed with a predominance of turquoise. Bead making has been practiced throughout Europe and the Middle East for hundreds of years. One of the most popular places for bead making is Venice, or even more specifically Murano Island. Murano glass beads happen to be produced there because the 1200s and can include a variety of ancient methods, like the seed bead, Rosetta beads and Cornaline or “white heart” beads. To achieve the brilliant colors of Murano’s famous beads, the glass maker must use extreme accuracy within the mixing of chemical compounds. Specific materials are required to create Murano’s brilliant colored beads.Charm bracelets originated centuries ago as amulets, or best of luck charms, to defend against evil or provide strength and health to the wearer. They were made of natural gems or rocks such as lapis or quartz which were thought to have supernatural powers. From Queen Victoria to ladies around the globe War II era, charm bracelets were worn in honor or memory of family members. Within the 1950s, charm bracelets became a mark of society for girls reaching puberty. With the passing of a function, the young woman was given a new charm to add to her bracelet. The concept ended up being to produce the most diverse and interesting bracelet with as many different charms as you possibly can.The charm bracelet is not to be attached to just girlish pursuits. For example, the Danish-inspired charm bracelet has had the jewelry industry by storm. These beautiful works of art are anchored by their modular design that allows charms to be threaded in a fashion to suit any preference or whim. Twisting slightly using the movement of wrist creates an eye-catching effect, especially as onlookers admire charms of Murano glass, sterling silver, gold, and semi-precious stones.


Images show new dimension to Saturn’s rings

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Tuesday, September 22, 2009 

NASA’s Cassini orbiter has sent back remarkable images from Saturn, revealing that the planet’s famous rings are far more bumpy than expected.

Astronomers previously thought that the rings were almost completely flat, with changes in height of only a few metres. However analysis of the new images show ridges up to 4 kilometres tall, similar in height to the Rocky Mountains or the Alps.

The images were taken around the planet’s equinox on August 11, when the Sun was directly over Saturn’s equator and caught the rings edge on. A similar equinox occurs today (September 22) on Earth. But whilst equinoxes occur twice a year on Earth, Saturn takes around 29.7 Earth years to orbit the Sun so the events are much rarer.

With the light from the Sun reaching Saturn’s rings at such a low angle, scientists were able to measure the shadows cast by bumps on the rings and discover their surprising height. As Cassini project scientist Bob Pappalardo put it: “It’s like putting on 3-D glasses and seeing the third dimension for the first time. This is among the most important events Cassini has shown us.”

Some of the ring features are known to be caused by Saturn’s moons, but others are harder to explain. “To understand what we are seeing will take more time, but the images and data will help develop a more complete understanding of how old the rings might be and how they are evolving,” said Linda Spilker, Cassini deputy project scientist.

Cassini was launched in 1997, and entered orbit around Saturn in 2004. It is part of the Cassini-Huygens joint mission between NASA, the European Space Agency and the Italian Space Agency.

By David P Lee

Whether you are cleaning or preparing your home’s exterior for a repainting or refinishing job, pressure washing is an excellent way to get the job done. You can clean sidings and trims that are grimy, dirty and have powedery residue from paint that is corroding by spraying high velocity water. You can pressure wash your home’s sidings with or without cleaning solution mixed in the water. If you are planning on applying a new coat of paint on your sidings, pressure washing will ensure that the new paint will last longer.

When Not to Power Wash – Pressure washing, also referred to as power washing, is not intended for the removal of paint from sidings even though it is capable of doing this if sprayed long enough in one spot. Training the forceful jet of water this way will erode soft wood sidings and dislodge mortar from brickwork.

Sidings made of vinyl, metal, wood and specific masonry types can be cleaned using pressure washing. However, siding that is made of hardboard and stucco should never be power washed. Moisture can damage the hard word and water can easily deface stucco.If your house was painted prior to 1987, be aware that the paint used is likely to contain lead. It is important that you do not power wash the siding coated with lead-based paint. If your house has two or more stories or if it the area to be pressure washed is rather large, it may be a good idea to hand the job over to a professional who can perform the job better and more safely.

Equipment Used for Pressure Washing – There are places where you can rent pressure washers for $50 to $75 per day. Pressure washers come in varying sizes and pressures. They range between 1200 and 3000 psi (pounds per square inch). If your sidings are wood, aluminum and steel, use a pressure washer that is between 1200 and 1500 psi. For unpainted surfaces, a power washer that is between 2500 and 3000 psi will do the job.If y ou want shorter cleaning times, go with a pressure washer that has a stronger jet. It is best that you go for a pressure washer that will let you mix in detergent to the water. When you do pressure wash with detergent, though, use trisodium phospate (TSP). Mix a pound of TSP to four gallons of water. You can rinse the sidings with plain water.

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Safely Using Pressure Washers – Before you start pressure washing, clear the surface of any mildew. Hold on to the power washer with both hands and never use it while you are on a ladder. If you are pressure washing high areas, use an adjustable extension shaft to elevate you. If you don’t have an extension shaft, there are places where you can rent one. If you have not used an extension shaft before, spend time familiarizing yourself with this contraption, learning how to operate it safely. Point the pressure washer’s nozzle approximately three feet from the siding. You can either move closer or farther depending on how forceful the spray is. Make sure that the spray impact is just enough that it is able to get rid of the dirt and grime without damaging the siding. You should never be less than one foot from the siding. Because the water is coming out of the pressure washer at a high velocity and force, never point the sprayer at the windows. It is not safe to point the sprayer at someone else, as doing so can cause injury. When pressure washing, wear safety googles. Make sure that while you are operating the pressure washer, you are far from electricla wiring or devices.

Outlined below is a general procedure for a do-it-yourself pressure wash of your home’s exterior:

1) Protect plants, lamps and other lighting fixtures, and anything breakable around the house with drop cloths, plastic bags and duct tape. Remove obstacles, and temporarily place outdoor furniture away from the edifice.

2. Use a garden hose to connect the pressure washer to the water source. If the power washer comes with a detergent dispenser, put in TSP and water.

3. Pressure wash from the top of the siding and down. Hold the pressure washing wand at 45 degrees, directing the water jet at soffits, overhangs, gutters and downspouts. Use a side-to-side sweeping motion to spray brush the sidings. Make sure that the nozzle is approximately two feet from the surface of the wall. You can move forward or backward to adjust the cleaning action. When pressure washing underneath the horizontal lap joints of the sidings, aim the nozzle slightly downward. When pressure washing the areas around the windows, aim the nozzle slightly away from the window so that water won’t seep into the frame.

4) With a garden hose, rinse the cleaning solution off the sidings with clear water, again working from the top down. If you intend to apply a fresh coat of paint, give the sidings no less than two days to dry up completely.

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UK family wins asbestos payout in death of railway worker

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Friday, November 20, 2009 

The family of a railway worker in Oxford, United Kingdom whose death was tied to cancer caused by asbestos exposure received a payout of approximately £100,000.

In 2005, Dudley Maasz was diagnosed with mesothelioma, a disease resulting from exposure to asbestos. He had been exposed to the substance during his time in the 1940s as a railway worker for Great Western Railway, where he took part in cleaning engines and serving as a fireman. Maasz died in July 2006.

The company BRB (Residuary) Ltd., the successor to British Railways Board, came to an agreement to give Maasz’s family a payout of £98,000 and costs as a settlement.

Brigitte Chandler, the Maasz family’s solicitor, told BBC News, “We were able to establish that Mr Maasz death was caused by asbestos during his employment at the Oxford works.”

Dudley Maasz’s brother Norman described him to BBC News as outgoing, and a “friendly chap”. He said that he had noticed his brother begin to complain of shoulder pain approximately four years ago, and subsequently began to sleep more and later was bedridden a majority of the time.

“One day I looked at him and thought — my goodness — he was half the size, he’d been eaten away, I felt so sorry for him,” said Norman Maasz.

BBC News reported that no individual from BRB (Residuary) Ltd. was available to provide a comment about the payout to the Maasz family.