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Insurance Nightmare - Prudential steals money and cancels policies
Posted by
PHILADELPHIA, PENNSYLVANIA -- In 2005 I received a notice from the IRS that Prudential Insurance had filed a1099-R in the amount of $32,329.27 for a loan against my life insurance policy that Prudential was "writing off/paying off". Prudential never sent me a copy of the 1099 (the IES did), so I also had to pay penalties.
I ended up paying the IRS approximately $3,500 for this, $ 3,051 plus interest, and the California Franchise Tax Board about $1,500. I also had liens placed on my house, and my bank account.
I tried, for quite some time to get a statement of my account from Prudential
with little results. My last 2 (yearly) statements were completely blank.
I started getting suspicious and I called Prudential several times to get a statement, and kept getting all sorts of OTHER forms instead. After insisting, I finally got a statement from Prudential.
Prudential states that I STILL OWE THEM THE MONEY (plus 5 years of interest added to it, about $2,000 per year).
In a letter from Prudential (Dec. 2009), they state that they are required to report any taxable gain. Yet as of December 31, 2004 there was NO gain (the end of tax year 2004). In their letter dated 2009 they verify that the policy was reinstated and the loan "pay off" was reversed on March 4, 2004, 9 months before the end of that tax year (just barely over one month after payments were missed), and Prudentials account statement dated March 2005 (for the previous year) also verifies that the loan "pay off" was reversed. March 4, 2004 is 9 months before the end of that tax year, yet Prudential filed a 1099 anyway. Why did Prudential file a 1099 when they ADMIT there were NO gains for 2004?
Prudential explains that the reportable tax gain is the loan repay amount minus the cost basis, then in the next paragraph they again verify that the "pay off" was REVERSED.
Prudential says that they have no responsibility in the fact that I had to (wrongfully) pay
$5,000 in State and Federal taxes on the gains that they (falsely) reported. Even they have verified (in writing) that this was falsely reported, and that there was NO gain. Prudential gave an explanation of their actions by explaining the "letter" of the law that justifies their action. Of course the objective of that law, and their ethics were never mentioned, nor was there any apology for costing me $5,000.
I had liens placed on my house, my bank account, and the IRS threatened to attach my Social
Security checks, all because of a fraudulent 1099 from Prudential.
I would like to see a copy of the letter informing the IRS and me that the "pay off" was reversed. Let me guess, they are not required by law to inform anyone that they screwed up. The IRS says that my only recourse with them is to obtain a tax attorney, at my expense of course.
This policy has been in effect for 46 years, yet payments 5 minutes late, and the policy goes into default, in the hopes that they can find cause to cancel the policy and pocket the money.
My mother had a life insurance policy with Prudential for over 40 years, when she died I called Prudential (I'm the beneficiary), they said that the policy had lapsed just before she died, how convenient, they pocketed about $75,000.
How many people have they screwed using these practices?
Prudential was obviously not acting in "good faith", on in my interest.
There is this new thing out, it is called Ethics, look it up.
Prudentials actions are illegal, unethical, and despicable. You are defrauding the IRS and me, and on top of that you are stealing from me.
The people of this country are sick of business practices like yours, if you have not noticed.
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Anonymous on 12/11/2009:
You need to file an amendment on that years taxes (if you still can) to receive a refund of the over payment, IF the IRS agrees you are due one. Prudential is correct though: every taxable instance has to be filed, the 1099 AND the reversal. You can't just say to the IRS 'oh there was no gain so I am not going to add the 1099'. They had to file BOTH forms.
Your issue is with the IRS now. Prudential filed the necessary forms for their tax year, both the gains and the losses.
That is what it sounds like to me. Kind of like with my candle business: I have to file ALL income AND expense paperwork. I can't say 'my expenses were more than my income therefore I won't file the 1099'. All forms have to be filed and the IRS decides my liability based on earns and expenses.
Anonymous on 12/11/2009:
Not true LadyScot. If you are self employed (own a business) you don't have to file a return if your net earnings are less than $400.
I really don't have a good enough understanding of this review to offer any helpful advice other than contact a tax attorney. Good luck.
Anonymous on 12/11/2009:
This is a little bit confusing, but it sounds like you defaulted on a loan which you took against your life insurance policy. When a loan is defaulted and the lender writes off the unpaid balance, that balance is considered income to you, and is taxable.
Prudential is correct tha you would still owe them the money, but if you paid it off, you'd be able to adjust your taxes accordingly.
If all this isn't the case, I apologize, your post was a little confusing.
JR in Orlando on 12/11/2009:
Years ago I had problems with this when I tried to buy and sell stocks - unsuccessfully. Forms are needed for each sale and purchase. I was surprised when I got a 1099 from the stock broker for the $30,000.00 in sales receipts. I had to go back and file the forms to show the $35,000.00 in purchases instead of simply no gain for the year. This was about 80 transactions of $200.00 to $500.00 which took forever to straighten out. I learned then that a 1099 is sent even if there is no profit.
Anonymous on 12/11/2009:
Stew, my income averages $4500 or a bit more or less each year so I have to file everything. What stinks is that the first year I filed, no one told me I had to claim a self employed tax. Ended up penalized but it wasn't much. I learned fast to learn and claim EVERYTHING after that lol.
My post was an example of talking to the tax man since the OP did not know why the insurance company filed the form. I don't understand insurance loans but I do know enough NOT to mess with the IRS, and I am sure Prudential isn't going to.
Anonymous on 12/11/2009:
LadyScot, $4500 for a home business is awesome. Very impressive. I wish you continued growth in your entrepreneurial endeavor.
Anonymous on 12/11/2009:
Thank you Stew. It isn't enough to stop me from visiting Wally everyday, but I love candles, and if I am going to sell something might as well be something I love. :) But it does help me have play money.
jerryg25 on 12/12/2009:
Prudential never filed a reversal with the IRS (or with me), they never even sent me the 1099.
the IRS penalized me for not filing it, I knew nothing about it
Nohandle on 12/12/2009:
Jerry, I don't know anything about your dealings with Prudential but do know how wonderful it is to deal with our pals at the IRS and a tax attorney. I can't believe the IRS told you to consult a tax attorney. Most times they hope you won't. They aren't too keen on being found wrong. When the dust has cleared you might very well prove your case but there's still that tidy little bill from the tax attorney. I've always heard "ignorance of the law is no excuse" so I guess that's still the thinking.
I never received a 1099 from a company last year and informed my CPA. He checked into it and got it taken care of. The difference was I knew I was due a 1099, you weren't. In my case they claimed one had been mailed. Hello. Strange how it took them a while to produce one.
Thanks for the heads up on your experience with Prudential. As far as the government goes we all need to "pay our fair share" right? Try dealing with them.
Nvestig8or on 12/10/2010:
The IRS has too ~much~ authority and too ~little~ accountability, imho. I don't know where you live, Jerry, but, with the competition between attorneys, these days, maybe you could get one that would get back your tax money AND the court costs, if you can find one with the guts to take on both Prudential ~and~ the IRS. However, even though the expense to you was excessive, the potential income for an attorney would probably not be considered worth their while. At the risk of sounding like an alarmist, until we reclaim control of our government, this kind of injustice is going to continue; again, imho. God bless!
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Between the "Rock" and a hard place.
Posted by
PHILADELPHIA, PENNSYLVANIA -- In 1993 I purchased a Variable Annuity life insurance policy from Prudential Insurance Company. I specified and was "guaranteed" a policy that would be paid "in-full" in twelve years, thereby coinciding with my retirement age.
After paying the premiums for 144 consecutive months by electronic transfer of funds, Prudential advised me that the policy was not "paid-in-full" and would probably take three more years.
After the next three years of paying premiums, not only was the policy not paid up but Prudential raised my premiums by 60% with the terms of premiums then being indefinite.
During all this there was much communication with the company and my state insurance commission to no avail. The company chose, (rather than to negotiate a settlement with me), to cloak themselves in litigious edict and deny any obligation to contractual responsibility.
As it became obvious that Prudential is not reputable and paying more premiums was just whistling by the graveyard, I canceled the policy and THEY kept my 15 years of premiums. Better to lose $30,000 than possibly another thirty to fifty thousand.
I have now noticed that many people have posted similar stories and it's apparent that Prudential can fleece us with immunity and, with us having no recourse, continue to post outrageous annual earnings statements.
I would recommend that anyone invested in any of Prudential's products liquidate them as soon as is rational. And, anyone wishing to purchase these types of products should look elsewhere.
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Unreasonable service fees
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DUBUQUE, IOWA -- On February 16, 2010 I requested that Prudential close out my 401k account and rollover / transfer it to my Schwab IRA. They did roll over the account, although it took them 5 days, and charged me $50 for this transfer. I then received a statement two months later showing an ending value as of 3/31/2010 of $0.00.
On September 20, 2010 I received another statement that said I still had $99.72 in my account. I called again on September 21, 2010, told the person this account should have been closed out in February (per my instructions) and requested Prudential again close out the account and rollover / transfer it to a Schwab IRA. The phone personal assured me twice that no charges would be added on this transfer.
On September 25, 2010 I receive a letter from Prudential saying they are transferring only $49.04 to my Schwab account. This is a $50.68 service charge that they said they would not add.
On September 27, 2010 I called the Prudential retirement line (877-778-2100) to complain about the additional $50 service charge. The phone personal answered the line and originally said that there were no charges but after several holds admitted that $99.72 was available in my 401(K) and only $49.04 was transferred to my Schwab Plan. Then the phone personal said the charge was normal and customary - no matter that I tried to close the account out in February and had already been charged a $50 transfer fee. He said he could do noting about it.
Unfortunately the Prudential service was inadequate and misleading. I am disappointed because they did not do what they said they would do and not charge the second service charge. An ethical business should have no games, no gimmicks, no gotchaas that I have to deal with. I think the second transfer fee is unreasonable and that the original transfer fee should have covered any transfer. This is not an ethical company.
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trmn8r on 09/28/2010:
As a Prudential stockholder, the fact they got an extra $50 from you might normally please me. But this is completely inappropriate, IMO.
This $99.72 that showed up was probably a dividend of some kind that was paid after the transfer. I previously transferred a non-IRA investement account to a brokerage, and they transferred the residual receipts automatically without charge.
I just last week transferred my IRA from one firm to another. The charge was supposed to be $25. I better go check.
Prudential seems to have treated you unfairly. I'm sorry this happened to you.
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Life Insurance Held Hostage By Prudential's Bad Faith And Greed
Posted by
Slammed by Rock
PHILADELPHIA, PENNSYLVANIA -- Prudential Life Insurance is holding HOSTAGE proceeds from 2 life insurance policies my father paid on 50 years before he died in June 2008. They say the beneficiaries are in dispute but keep delaying the one action that can settle this dispute - filing an Interpleader Action. For 8 weeks now this corporation (The Rock) keeps saying they intend to file this action which will allow the Courts to decide my father's intent as to who is supposed to get the money, but in California this action requires the Insurance Company to deposit the death benefit money with the court. In essence the money will be paid out and this is something no insurance company wants to to, They want all the premium money they can get but don't really want to pay any money out.
The longer Prudential practices this BAD FAITH tactic to delay paying out on these policies, the greater the chances are that my family will lose a home that has been in our family for 50 years.
The company has in their possession a copy of both my father's Trust and Living Will plus a hand written note all expressing his final wishes as to who the undisputed beneficiary truly should be, yet they continue to delay taking any action to resolve this issue so the money can be paid to the family.
This is an outrage and another fine example of corporate greed. The Rock has no integrity whatsoever and no heart either. This company should be ashamed of their very transparent efforts to retain money they have no right to keep from those my father paid (50 years) to provide for after his death.
We have complained to the California State Insurance Commissioner and I have even sent a FAX to the CEO John R. Strangfeld Jr., with no results thus far.
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madconsumer on 08/17/2008:
I just went through this with my mother's estate. it took the courts 8 weeks to solve the issues once it was filed.
I as well, work in hr, and I can tell you, I make sure all of our new employees understand the process if a benificary is not chosen. I more or less make them enter one. all benificaries can be changed any time. only time a court will not accept a change, is if the person making hte change was not mentally able to do so. and the courts will decide this fact.
some estates have drug on and on in court.
BobJohn on 08/18/2008:
I am not being nasty but your father is to blame. It sounds like he did not have specified his beneficiaries on the policy. Insurance policies have specific beneficiaries, if he didn't make it clear on the policy (not other documents) who the beneficiaries are then the insurance company can't just pay out the amount, they have to go to the courts to make the decision as to who should be receiving the proceeds. The insurance is not keeping the money for themselves, only trying to find out through the courts who should get it. I hope the matter is resolved soon for you, I've dealt with a drawn out probate process and it is a real pain.
imnashvillebound on 04/29/2009:
My 8 year old son is the beneficiary of his fathers life insurance. His father died over a year ago. Although I'm his mother Prudential would not even speak to me until I went to court and became the guardian of my sons estate. They said after I did that they would issue the monies. I went to court and the judge appointed me guardian of his estate, she instructed me to send the guardianship papers to Prudential and return on a certain date to prove the funds were in a blocked account until my son reaches 18. I provided Prudential with the paperwork but was told it wasn't enough that I now needed a court order. To make a long frustrating story short, guardianship papers, filing for the money to be released, one attorney (who has written them several times and made many phones calls) and thousands of dollars on legal bills later they still have not issued the payment. In California the money goes into an account where no money can be withdrawn by anyone except my son when he turns 18 so it isn't mine and now he's 8 and we have been trying to get what is rightfully his since he was 7.
vietvet on 07/06/2009:
PRU sales reps are liars who will say anything to make a sale. Following 2 strokes every insurance policy I have granted LIFETIME wavier-of-premium - EXCEPT PRU! They demand a "re-certification" of my disability via physical at MY expense. Then PRU keeps annoying the doctor for 'more information' - finally the doc drops me and I need to find another.
PRU feels they have "won" by an avalanche of paperwork to me and forcing me to change doctors after PRU hassles the doc.
My 'piece of the rock' is more like a piece of something else
Slammed by Rock on 07/06/2009:
Well put! I am sorry about your dilemma. I will include you in my prayers!
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Posted by
LAS VEGAS, NEVADA -- I'm going through some difficult times and I tried to get a hardship withdrawal. I filed and faxed all the paperwork. I called to see if it had been approved but they said it couldn't be because the landlord needed to evict me. My landlord called them and told them once they start the process they couldn't take any money from me the guy told them just to evict me!!!! The landlord said sir she will be homeless. Then he said they could approve me after I'm fully evicted!!!!! So, I have to see what else I could do but I will never have my money with them to have this mentality towards their customers is unbelievable!!!!
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DebtorBasher on 07/26/2013:
Sometimes, it's worth taking the early withdraw penalty. I don't know how much that would be for you, but it may be your only choice.
trmn8r on 07/26/2013:
It sounds like the bottom line is you need to be evicted in order to get the hardship. That would be pretty simple, and I don't believe it reflects a "mentality" beyond the rules. There is no in between - it is called hardship for a reason, and I believe the guidelines could be dictated by the IRS. The only reason for the landlord and Pru to speak would be to verify you were evicted. I don't know what else would be expected from that chat.
Basher's advice is good if you are on the verge of being kicked into the street. Otherwise, financial advisors would generally advise against it.
trmn8r on 07/26/2013:
OK, so the IRS rule says that you must need the funds to avoid eviction.
Therefore, a gray area arises. Seems like you would have to be a month behind on your rent for the landlord to agree you are on the verge of eviction. If the rent hasn't yet come due that you can't pay, that doesn't count.
It sounds like the second-hand conversation between the landlord and Pru suffered from this conundrum - if you qualify for eviction and the LL initiates it, he can't take money from you.
It's a chicken and egg situation - unless the eviction process accounts for an emergency payment "undoing" it, you are at risk. Pru can't do anything about that.
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Prudential Life Insurance is a Nightmare!
Posted by
My father purchased Prudential life insurance coverage for me back in 1991, and has been paying his premium every month since his death in February 2011. I have ben attempting to take ownership of the policy to cash it out and I have ben getting nowhere with this dishonest company. the Prudential representatives are saying my brother is the rightful owner of the policy despite proof to the contrary! makes no sense at all. They have lied and delayed my rights for months now and I'm getting fed up. DO NOT PURCHASE PRUDENTIAL LIFE INSURANCE. THEY ARE UNETHICAL YOU WILL BE GIVEN THE RUN AROUND!
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trmn8r on 07/24/2011:
I have found Prudential to be an outstanding an honest company. My parents bought me a policy in the 60's, and my mom had her own policy with them. When mom died, it could not have been easier to deal with Prudential - the reps were very nice, helpful and efficient.
Finally, about 8 years ago, Prudential *gave* policy holders stock - I got about $2500 worth as I recall.
Clearly your issue involves a beneficiary or ownership issue. Was this policy on your dad's life? Why is your brother considered by Pru to be the beneficiary or owner? What proof have you provided to the contrary?
How have they acted "unethically"?
*Brenda* on 07/24/2011:
I work with estates so I deal with Prudential a lot. I haven't really had a problem with them. What it seems like is that your brother was the contingent owner, making him the primary owner when your father died.
When the company demutualized (converted to a stock company) they gave policy holders stock as trmn8r says so you might want to check into that if you have not already, your father may have some stock in his name.
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Prudential Life Insurance Scam
Posted by
NEWARK, NEW JERSEY -- I have been attempting to collect my 401k account money since I left my company in July. I have been transferred around, given false tracking numbers which the UPS mentioned were for return products such as t-shirts. I have been promised it would be delivered through the post office, UPS by ground and UPS by overnight with signature. From July 2010 through present (January 2011) they have not returned my calls and have left me in the dark. I feel as though I will never see the money I worked so hard for. Do the right thing and contact the BBB if you have experienced this! This is a scam!
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trmn8r on 01/08/2011:
Prudential Life is an *excellent* old company. My mom's life ins was with them, and mine is as well. I highly doubt Pru is perpetrating a scam. Buying life insurance through a 401K is tricky. Here is a snippet from http://smallbusinessreview.com/for_the_boss/How_To_Buy_Life_Insurance_in_a_401k/index2.html
"If you terminate the plan (as a business decision) or leave the company you will probably have to buy out or surrender the life insurance coverage. As a business owner this is probably not much of an issue since you are in control of the 401(k) plan investment options and likely the only one choosing the life insurance option.
Lindsey Wilkins, Principal, global retirement operations and client reporting for Edward Jones, in St. Louis, cautions, "There aren't many plans that offer this [life insurance] as a typical investment option within the plan. In addition, your plan administrator must be willing to administer plans with life insurance in them. Sometimes there is an additional cost....so check."
What has your plan admistrator told you?
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Incorrect Information Given When Purchasing a Home
Posted by
EAST SETAUKET, NEW YORK -- We chose a home to have inspected and did not do our homework by calling the town for their correct information on the house. Upon inspection we found out that the house was not built in the year stated on the listing and that it was built 28 years earlier than specified. We were also not informed that it was an estate sale and was told that the owner rented out houses, so we assumed that its being vacant was because that the renter had moved out.
The inspection came out poorly and the home would need over $100,000 worth of work which we could not afford so we declined to purchase the home. Yes, we were out $470 dollars, but we did choose to inspect the house but it was the principle of the matter that was really at stake here. The money was minimal compared to what would have happened if we said yes to the purchase.
Prudential Real Estate only backed their brokers, of course and would not even acknowledge that in business most of the time the consumer is usually right and catered to in a different manner. We were also informed that there was another bid on the house and thus this meant that we would have to bid higher to have the owner accept our bid.
Prudential stated that the owner had given them the wrong information about the house when all they had to do was to call the town and verify the information such as the age of the house, the taxes and the internal square footage.
I guess it is true to say that the buyer should beware! They did not like our inspector from the start and tried to get us to use others. Also, after studying the listings for over 2 years now, I have found that most real estate listing information is not accurate and of course, at the bottom of the page, it almost states that they are not responsible for mistakes. So when you go to buy a home, make sure that you verify all information with the correct town assessor and not be fooled by any such MISTAKES, including errors in taxes, age of the home and square footage, etc.
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Anonymous on 11/24/2009:
My house info shows it was built in 1972. However, the actual construction was done sometime before the 20's. My home used to be the old school house before the elementary school was built in the 50's. My house was converted to a residential dwelling in early 1972, thus the latter info being displayed if you look at my assessment.
Depending on when the home was actually constructed, or remodeled, or if any type of landlocking or any number of disputes or errors can be unearthed, you will sometimes find that the date of construction on a deed can be later than is true.
The first actual living condition is usually what is put on the deed. There is another name for it but I can't recall what. You have to do a dded and title search to locate any relevant info.
What would the fact that it was an estate sale have to do with anything? The only matter wold be the payoff of debt by the estate to the courts for creditors and inheritances, which would have nothing to do with you.
The owner could have owned more property and rented them out. That has nothing to do with the home you are buying or whether he lived in it or not.
Anytime you buy a house that you did not build or was not a recent build you can always expect to have some work to put into it. THAT is why you pay for an inspection and appraisal.
redmx3racer on 11/24/2009:
I think that is why you pay for a home inspection. When I bought my house I paid for 2 to be done with poor results before I found my house.
JR in Orlando on 11/24/2009:
With the computer records now available in many places, it does not take long to go back through the chain of title and get an idea of what has occurred (although this will not suffice for a title search). In Orange County, Florida the tax appraiser's office is very helpful and has always been glad to help with finding this information out.
raveis-problems on 05/14/2010:
I am having the same problem with William Raveis in Connecticut. One of their agents made a material mistatement about the age of the air conditioning unit, basically saying it was 3 years old. Inspection showed it was 12 years old.
So instead of getting a new, efficient A/C, William Raveis backed their broker and basically said get the sellers to pay for it or back out of the deal. I think most agencies are just out to get their commission, regardless of the method. It is not an ethical business.
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Prudential is not an honest company.
Posted by
NEWARK, NEW JERSEY -- In Nov of 1955 when my first daughter was born, I took out an educational policy for her, for 800 dollars to be paid when she reached 18.
In June of 1957, I did the same thing for my second child. 800 dollar policy to be paid when she reached the age of 18
Then in March of 1968, I took out the same kind of policy for my son. Educational policy to be paid when he reached age 18.
54 years have passed and the policies have still not been paid out. Prudential sent a man to my house each month, for the money, but my children never saw a penny of it. They collected the money, each month, but my oldest daughter is now a Professor, my second daughter is a teacher/director , and my son works in WalMart. Carolina. How I wish I had chosen an honest company to have my policies with. Do not make the same mistake as I, choose a reputable, honest company. I have written the home company and they do not even bother to write back.
I am now thinking of taking Prudential to court, and asking for interest on the 2400 dollars. It would be worth what I pay the lawyer to finally bring Prudential to justice. Thank You for reading.
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JR in Orlando on 11/13/2009:
The problem you may have is the statute of limitations on bringing a lawsuit. States have limitations on how long you have to bring a lawsuit once you know of your claim. This is to avoid people bringing stale claims long after witnesses and paperwork has disappeared. The last child turned 18 in 1986, so that has been 23 years for his case and even longer for the others. I would consult an attorney, but that may be an issue.
I would think you would have better luck with the insurance commission in your state. They may be able to help recover on the policy, regardless of when it was due.
Anne2 on 11/14/2009:
I have been trying for years in my home state, I went to the office of the Prudential insurance collecter, the man who came each month and collected the money. He and his wife were God Parents of my son. He was so sure all I had to do was give them the childrens names and collect the insurance money. He was retired from Prudential. And the people there told me with straight faces they had never heard of the three policies. Thanks anyway for your suggestion.
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Prudential Life Insurance Policy
Posted by
CALIFORNIA -- I was left as beneficiary of a life insurance policy.
Because someone contested it Prudential will not pay benefits. They turned the case into sending me a summons for court.
So instead of a beneficiary like I am named I am a victim of the courts now. Pay up Prudential.
The policy was paid for and the person dies. Prudential won't honor it????
What kind of a rip???
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Cyane on 01/09/2008:
Prudential isn't "ripping" you off. If a policy is contested, the policy funds are deposited into a trust account. After the court decides, the trust is then distributed. You probably should look into getting an attorney.
Anonymous on 01/09/2008:
I am guessing that the person doing the contesting is under the believe that you were named benificiary fraudulently. The insurance company certainly wouldn't pay your claim until the matter is settled in court.
Hugh_Jorgen on 01/09/2008:
Like the others said, don't blame Prudential. The law is clear as to what they have to do when a claim is contested. I would be more concerned about my upcoming court hearing than going online to bash an insurance company.
Principissa on 01/09/2008:
I agree with Robf. We went through a similar ordeal when my grandpa passed away. My cousin Joeseph decided that he was owed the entire amount of his policy because he didn't believe that he would leave everything to my kids. Needless to say five years later it is still in litigation, and it was only 5 grand for each child.
jenjenn on 01/09/2008:
I'm sure payment will be made once the courts settle this. This is not Prudential's issue...it would be yours, unfortunately.
BMW DOLL on 01/09/2008:
iIt is also Prudential's fault ,according to an attorney, that they should release funds to the beneficiary. then if the person wants to contest they sue the person.
This is very upsetting to me because the person who passed is not even getting his wishes met when he paid and thought a polcy was secure. any Joe Blow could decide to contest.
Put your thinking cap on.....
GothicSmurf on 01/09/2008:
It is NOT their fault. You put your thinking cap on. If the money is contested BEFORE the release, they can and do hold it and it actually much less of a headache in the end. Sometimes logic overrides sympathy. And any Joe Blow could contest, but only valid claims will make Prudential hold the money. The person has to prove they have a steak in the policy- inheritance.
Basically you are saying you'd rather have the money then be sued (which would cost YOU money) instead of letting Prudential settle it for you with their lawyers for "free"? You sound like a whiny brat.
Hugh_Jorgen on 01/09/2008:
You might want to spend some time finding a better attorney. If the money hasn't been paid out yet, the first thing the other attorney is going to do is file his lawsuit and get a court order blocking Prudential from making the payment prior to the court hearing. Under your plan, you get the money now, spend it, then when the court order goes against you and you have to return some or all of the money you just shrug your shoulders and tell them "too bad, I spent it". The other attorney is one step ahead of you. You might want to start taking this more seriously - people lose cases like this every day.
Anonymous on 01/09/2008:
I am guessing that the person doing the contesting is under the believe that they can rip you off and cheat you out of what is yours. People are greedy by nature and when there is a death involved they come out of the woodworks. Good luck to you
Anonymous on 01/09/2008:
I thought Anna Nicole was dead
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We asked popular bloggers and designers to share where theyre seeing our November issue trend from their favorite shops to their own homes and wardrobes
By Hannah Martin
Alan Tanksley
I am fascinated by 20th century tapestries, especially those with a story to tell. Many interpret classic themes from a modern, often abstract, point of view. Others reflect the social or cultural movements of their times. I love this example by the French tapestry artist Jean Picart le Doux, representing the Four Seasons.


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In a break from tradition, the winner was the big loser in Sepang. And of course, Paul Di Resta. God's certainly got it in for him...
Star of the Race
Ross Brawn. Mercedes, 3rd and 4th
There was more radio drama in the Malaysian Grand Prix than your average Radio 4 afternoon play, and out of it came one strong-minded individual who commanded unflinching respect from his drivers. In the closing six laps of the race Rosberg knew he really ought to hold station (having come out after the final pit-stops in P4, the standard F1 position; that's-your-lot, turn the engines down now). But he felt he had far more pace than P3 Hamilton and was well within DRS range.
Rosberg: "I'm much faster, let me pass (him)."
Brawn: "Negative Nico"
Brawn: "Lewis's pace is what we're asking him to do. He's being controlled as well. He could go a lot faster as well."
Rosberg: "We have to speed up, this is too slow."
Brawn: "Nico, please drop back - there is a massive gap behind, we want to bring both cars home."
And so Nico dropped back. Result.
Of course what Nico Rosberg didn't know at the time was that Hamilton's pace was being controlled only because he'd used up too much fuel to maintain his position and whereas thrifty Nico had enough in his tank not to bother with fuel saving.
Such was the respect for Brawn that the drivers did what they were told. It was obviously serious for a 'grown-up' to come on the radio and spell it out. Would Paddy Lowe command that kind of respect in the heat of battle? Probably not.
Compare and contrast the disciplined approach from head-teacher Brawn, to the team with an art teacher as boss, Christian Horner, who doesn't think he ought to mark his pupils' work and when somebody breaks a rule the most he can come up with is: "This is silly Seb, come on." As Mark Webber said: "Obviously we know Seb is no slouch but you need to have strong people all the way through the team to have everyone having the chance to get the maximum result."
Overtaking Move of the Race
Lap 22: Romain Grosjean on Nico Hulkenberg
Later in the race Nico Hulkenberg showed how difficult he could make it for Lotus cars to overtake him. When he emerged from the pits on Lap 22, he immediately had to give a place up to Felipe Massa. Coming up fast behind the Sauber, Romain Grosjean realised that if he was going to make a pass he'd have to get on with it and stuck a brave move up the inside into Turn 5 that Hulkenberg was powerless to resist. Raikkonen laboured to get past Hulkenberg, just as he struggled to get past Perez between Laps 11 and 16.
Bringing home the car in P6 it looks as though the Frenchman's mystery chassis problem has been solved. The fact that the team could only score a P6 and a P7, when the Lotus cars been fancied for a podium shot was a combination of poor qualifying, poor starts and a much cooler track on Sunday than had been anticipated. The track evolved from 27C to 31C during the race and on Saturday it had been 41C.
Mark Webber, Red Bull, 2nd
Unlike Melbourne, Mark got a great start, not fast off the grid, but he chose the perfect line through Turns 1 and 2 as everyone else looked round the outside. He was slightly hesitant in making a move stick on Fernando Alonso on the opening lap but soon began to close Seb down. He had a strong race, delivering fast laps where and when it mattered and listening to team radio, particularly the bit about "Multi 21". Red Bull were worried about the Pirellis delaminating and 'exploding' as happened to Lewis Hamilton in practice, and with 14 laps to cover to the flag they had reason to be worried. The delamination is more of a risk if the tyres have a weakness, a flatspot, and trying to outbreak your team-mate into Turn 1 could easily have supplied that flatspot.
The big ruck between Vettel and Webber all dates back to Brazil where Webber almost put the kybosh on Vettel's World Championship. For whatever reason - its' yet to be explained - at the start Webber closed the door on Vettel on the inside, (despite being fully aware that Vettel was behind him) forcing Vettel to break early and getting him passed round the outside by a load of cars. That lost Seb places and put him into the range of desperate lunges from the likes of Bruno Senna into the Lake Descent turn. It gave us a spectacle of a GP, but it didn't look the move of a team-mate.
In the post-Brazil euphoria and the subsequent politicking by Ferrari about the result (did Seb pass a car under yellows?), Webber's role in Seb's almost-downfall got quietly forgotten. Except Helmut Marko was obviously still furious. This we found out when he had the opportunity to disparage Mark in Red Bull's own magazine. He let rip and gave an interview that suggested Mark was psychologically flawed and unable to cope with pressure.
On the pitwall after the race, asked about the situation between the two drivers, Christian Horner admitted, "this goes back to Brazil."
Webber had a good race, but it wasn't faultless. He almost muffed the overtaking move on Jenson Button going into Turn 1 on Lap 35 despite the advantage of DRS and far better tyres. He will have got a huge amount of credit from fans for speaking his mind on the podium and doing what he does best, telling it like it is. Unlike his team-mate who was busy telling it like he would like people to think it was... even though it wasn't.
* Vettel's car to get new sticker...
Lewis Hamilton, Mercedes, 3rd
Making up the final place on the glummest podium since Austria 2002 was Mr. Nostalgia. Lewis Hamilton made a fond trip down memory lane on Lap 7 to revisit his old team, McLaren, who waved him away like a stray dog. Although Lewis said it was an easy thing to do - and Jenson had done it - with the Button incident he was squinting into sunlight and also looking down at his steering wheel at a crucial moment. Hamilton just wasn't thinking.
As for his 'unearned' podium place, he had the very good grace to say that maybe it should have gone to Nico Rosberg and that he would try and repay him. And you believed that he would.
Nico Rosberg, Mercedes, 4th
A great team drive from Rosberg who was clearly faster than Hamilton towards the end, but took P4 'for the cause'. What we missed out on, though, was seeing just how close Nico could have been to the Red Bulls at the flag.
Felipe Massa, Ferrari, 5th
It's hard to think of Massa as a No.2 driver when he can outqualify the No.1 driver four races in a row. And four races where Fernando was really trying. This was another great race from Felipe who slipped out of sight for most of the race but came back with a vengeance towards the end when his race strategy finally played out. More worrying for Ferrari was the fact that McLaren were running the same kind of tyre strategy (Button said he was going for three, but, like Perez, he might not have made it) and Jenson was able to outpace him in the middle of the race, steadily taking the gap out to Ferrari to almost 10.1 seconds on Lap 29.
Kimi Raikkonen, Lotus, 7th
Where does Kimi's reputation as ' The Iceman' come from? During races he's more like the grid's answer to Victor Meldrew. Abu Dhabi gave us the two classic radio retorts, including: "Yes, yes, yes, I'm doing all of that." We also had him ranting about blue flags in Australia in 2012. Now we can add to the collection: "Do you see what he's been doing? Pushing me off and now I've hit him!" You almost wish his engineer would play him a recording of the late Michael Winner's catchphrase: "Calm down, dear," just to see what reaction we'd get.
In truth Kimi had a bit of a shocker. Slow off the line, he had at least two short-cuts over the high-speed chicane during the race which ultimately lost him a bit of his front wing, plus a few places to his team-mate and a Toro Rosso. He struggled to get past both Perez and Hulkenberg and was only 4.5 seconds clear of the Sauber at the line, with Nico closing at three seconds a lap.Nico Hulkenberg, Sauber, 8th
A combative drive from Hulkenberg who was in superb form when the track was damp but drying. On Lap 9 he set the fastest lap of the race, best mastering the slippery conditions on slick tyres. He truly is the MixedConditionsMeister. His defence of his position against Raikkonen was on the agricultural side, but didn't invoke the wrath of the stewards.
Sergio Perez, 9th, Jenson Button, DNF, McLaren
Perez was feisty without being reckless and would have enjoyed scoring a Fastest Lap of 1:39.199 in the 'crippled donkey' that is the MP4-28. Button was convinced he could have taken his car to the end with three stops and fought for a podium against the four-stopping front runners. That belief was backed up by his actions in trying to hold off Mark Webber at the beginning of Lap 35 - instead of giving in to the inevitable.
He was downbeat after the race when you thought he might have been whooping and hollering having run lap times very close to the RB9. Straight after the Mercs and Red Bulls had taken on new tyres he was running the same middle sector time on his old set. That isn't just light at the end of the tunnel for their beleaguered new car, that represents the end of the tunnel. Presumably the realisation will click in on the flight home.
Let's not forget all this action comes courtesy of Pirelli. Had Bridgestone been supplying the tyres we would probably have had a one- or two-stopper. With no re-appearance of rain and no Safety Car there was a lot of action throughout the race, not just in the first half. Eric Boullier has said that some of the teams are already lobbying to change the compounds, with Red Bull amongst the most vocal. That's because Red Bull are very aero reliant and they can't find an immediate aero tweak - instead, it's the kindly suspension systems of Lotus and Mercedes showing the way. With the track cooler than expected for Sunday's race Lotus weren't able to make the most of that tyre edge.
We can probably discount Sergio Perez's final glory shot at Fastest Lap, because he didn't need to do it, but during the race we had fastest laps from: Webber, Hamilton, DiResta, Button, Hulkenberg, Massa, Vettel, Rosberg, Raikkonen and Grosjean. That's not too bad a mix when drivers are supposed to be preserving tyres.
Sebastian Vettel, Red Bull, 1st
This is one of the rare times in the 12 years of the Winners and Losers column that the winner is included in the losers.
Some people are suggesting that Sebastian Vettel managed to reduce his fan club membership to single figures at the Malaysian Grand Prix. Last season Michael Schumacher looked to pass the baton to Seb in the final race and Vettel's actions showed typical Schumi ruthlessness. Except Schumi wouldn't have been so quick to apologise afterwards. Anyway, Vettel's apology was disingenuous, he knew quite clearly what he was doing and could have given the place back to Mark at any time. The temptation of scoring 25 more points was just too hard to resist.
Mark Webber was hacked off with him enough before he heard the race transcript. Presumably when he hears, "Mark is too slow, get him out of the way. He's too slow," we might go to Defcon 1.
What will be most interesting now is not the two drivers' reactions, but how Christian Horner will handle the issue. His authority has been usurped - his light touch hasn't worked. When the two collided in Turkey in 2010 Vettel hadn't been asked to hold station; this is a whole new level. The power and influence exerted by team owner, team advisor and team boss will have to be re-examined.
Having said all that - the motor racing action we get when two drivers are really having an unbridled go at each other is fantastic. The Webber vs Vettel battle was the highlight of the race and will make all the post-season highlight tapes. Fernando Alonso's second lap exit was almost forgotten in the excitement. Had Vettel opted to sit behind Webber and two leading teams played the Team Orders game, then everyone might have been railing about how dull and manufactured it all is and how proper racing is being stifled. (Perhaps less so with Webber in front, because that is a story in itself).
Maybe we're being disingenuous too, because what we saw was epic stuff. It wasn't cruise and collect.
Fernando Alonso, Ferrari, DNF
The opening lap destruction of Fernando's front wing was the kind of accident he was so close to getting last year but skilfully managed to avoid. This year it looked like he was pressured into the bump by trying to keep in front of his team-mate. Stefano Domenicali took the blame for the decision to leave him out on track. It was a day when everyone was freely admitting everything. Had Fernando come back in to change the front wing he would have emerged in last place and in the absence of further rain or a Safety Car would have struggled to get more than about 9th place.
The irony of it is that last year with a dreadful car he scored a win and a fifth place from the opening two races - and now, with a car that's been rated by both drivers as "10" to "100 times better", he's come away with just a third place.
Paul DiResta, Force India, DNF
If there is a god, an almighty being who controls our destiny and decides all our fates, then he's really p***ing Paul Di Resta off. Di Resta was faster than Sutil in Q1, then in Q2 he made the rain come before Paul was able to set a lap and denied him a place in the Top 10.
Then in the race, Paul got severely delayed behind team-mate Adrian Sutil when Force India double stopped them on Lap 6. Then, after Paul had put in a fastest lap and worked his way back up to P11 his own tyre stop was cast into the wilderness with a captive wheelnut issue that would try the patience of Jehovah and stranded him in the pits for the F1 equivalent of 40 days and 40 nights.
Basically, whatever could go wrong, did go wrong. And none of it Paul's doing.
Andrew Davies and Frank Hopkinson


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Gothenburg is an attractive green city, with a large number of sights, restaurants and cafés. The best time to visit is during spring.
Gothenburg, which is Sweden's most European city, was founded in 1621 by European immigrants. Just like Venice, Bruges and St Petersburg, Gothenburg was built on a network of canals. The large number of canals have been left over from the time of Dutch rule. Water is important for the city, since Gothenburg's harbour is the biggest in Sweden.
The view is magnificent from Alsvborgsbron Bridge, which links the city centre with Hisingen, one of Sweden's biggest islands. Liseberg amusement park is worth a visit, especially with children. Other sights include the Gothia Towers and the statue of Karl IV Gustav, the founder of Gothenburg.


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Contact our free concierge and we'll make a vacation work for you. (877) 372-5877 | Email Concierge
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Interview with Relais Il Falconiere Marketing Manager Lina Bartelli
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Kreta Illusion Necklace
Golden geometrics suspended on a triple-strand of illusion wire.
- Adjusts from 16" to 20".
- Metal.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


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Project Canción Española was conceived to promote the teaching of Spanish song repertoire around the world so that it becomes a part of the core curriculum in conservatories and university music programs everywhere (including Spain!). Inasmuch as French, Italian, German and English repertoire are required subjects for singers and accompanists who are studying to be professional musicians in music programs around the world, we see no reason why the vast Spanish repertoire should not also be included.
Project Canción Española with
"Escuela superior de Canto, Madrid"
Interpretation of Spanish Vocal Repertoire
July 14-18, 2014
Julio Alexis Muñoz, Jorge Robaina and Helen Tintes-Schürmann
Professors of Vocal Repertoire at the "Escuela Superior de Canto de Madrid"
Nan Maro Babakhanian,
Director, Project Cancíon Española
Master Classes and Lectures
Public Performances in Madrid's famous Chamber Music Festival,
Clásicos en Verano"
Project Canción Española presents a 5 day course of daily master classes with Julio Alexis Muñoz and Jorge Robaina, distinguished faculty of the "Escuela Superior de Canto" in the Palacio Bauer in Madrid near the Prado Museum, the National Archives and the Royal Opera House. Nan Maro Babakhanian, Director of Project Canción Española will also offer master classes. Spanish and Flamenco are included. All participants perform final concert (programmed in Madrid's "Classico´s en Verano" series) in the conservatory's beautiful 18th century Theater.
The course includes daily master classes and private sessions of performance and interpretation, with extra lectures, Spanish and Flamenco scheduled at the beginning and end of the day.
In addition to lectures, concerts, masterclasses and private coachings, all students will be invited to participate in various activities around Madrid such as museum visits, musical archive visits, cxcursions to nearby towns such as Segovia or Toledo and, of course a Paella and/or Cocido meal. (Participants pay only for the activities they choose to do. The excursions to other towns will be day trips from Madrid and will most likely be scheduled on the weekend of July 19-20. If any participants wish to travel around Spain before or after the course we will be happy to assist in any way possible)
Course Cost: 250 Euros
Approximate Housing Cost: 35 night in Madrid near school.


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Hipster Gerbera Daisy Cubes
Tulip & Moss Planters
Altered Art Springtime Shrine
Cozy Coat-Clad Pastel Bear
Bright Green Topiary Trio
Skiing Penguin
A Warm Winter Welcome
Snow Bunnies
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Day 0 Wrap Up - CES 2013
Jan 7, 2013 9:43 PM
Latest Videos
Fitness wristbands are officially commodity hardware, lowlighting a bad week for wearables
Xiaomi announces a $13 activity tracker. iTime becomes the new iWatch. Healbe releases dubious lab data. It was a meh-to-lousy 7-day stretch for wearable tech.
App Invasion: Live every day like it's Throwback Thursday with Timehop
This app creates a daily time capsule that's all about you.
TrewGrip wants to change how you type on your mobile device
We first spotted this flipped-around mobile keyboard at CES. Now we've gotten a chance to try out a prototype before the finished version arrives this fall.
As hardware kills Microsoft profits, CEO Nadella seeks comfort in software
Heavily discounted Nokia phones and Surface RT write-downs hit the company's hardware side hard, but its software business remains a stabilizing force.
Zotac Zbox EN760 Plus review: Don't be fooled by its size, this box has graphics horsepower
A petite PC that can play the most demanding games.
2014 Razer Blade Pro review: Only slightly better than last-year's model
While it is thinner and lighter than competing 17-inch gaming notebooks, the Blade Pro is also less powerful.
Google reports a Q2 sales jump despite mixed ad results
While paid clicks rose, the cost per click dropped in the second quarter.
World Tech Update: Microsoft makes jobs cuts
Microsoft announces lay off plans, IBM and Apple team up and Google tests out Project Tango in space.


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Military and Overseas Absentee Voting
Special Absentee Voting Process for Military and Overseas Voters
Voters in the military and their dependents, as well as voters residing outside the United States can vote using a special absentee ballot process. This process is meant to reduce the logistical barriers overseas and military voters face in casting a ballot.
Eligibility to Apply
Uniformed or military personnel, citizens overseas temporarily and citizens overseas indefinitely are all eligible. Learn more.
How to Submit Your Absentee Ballot Application
- Apply online — this requires an email address and an identification number from either a Minnesota driver's license or a Minnesota ID card, or the last four numbers of a Social Security number.
- Apply by email, mail or fax with the automated Minnesota Military and Overseas Voter Service
- Download the application to complete manually.
A spouse, parent, sibling or child over 18 years old may apply for an absentee ballot on your behalf.
Apply as Soon as Possible, Return Your Ballot by Election Day
- Apply for your ballot as soon as you are able. You may submit your application at any time during the year.
- For your voted ballot to count, it must arrive back at your county election office no later than Election Day. You must return your ballot by mail or package delivery, even if election officials emailed the ballot to you.
Frequently Asked Questions
Learn more about deadlines, when to return your ballot and other frequently asked questions.
Track Your Absentee Ballot
You can track the progress of your absentee ballot with the absentee ballot lookup tool.
Additional Questions? Problems?
Please contact your county election office.


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- first drive 2009 ford fiesta
First Drive: 2009 Ford Fiesta (Euro-spec)
by Noah Joseph (RSS feed) on Sep 8th, 2008 at 7:57PM
Twenty-five year-old females in Milan. According to global product development chief Derrick Kuzak, that's who Ford is hoping to satisfy with the new Fiesta. Well honestly now, who isn't? But that's some ambitious target, to attract the attention of the most trend-savvy (make that trend-setting) demographic in the world capital of fashion. We didn't pass through Milan while driving the new Fiesta through the Italian countryside, and so, to our dismay, didn't have a chance to test out that particular target. But we did pass by a local road works crew on the winding mountain passes of... Read More


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Selena Travel Mongolia - top Mongolian tour company invites you to high quality Mongolia tours, China tours, & Siberia tours. Selena Travel is run by Mongolia tourism professionals, who aspire to fulfill the clients' Mongolia travel dreams and are recognized internationally by winning several prestigious tourism awards such as... more
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Media room, here we want to give some hints about travelling in Mongolia to the future clients. All of photos are provided by our post clients who have done tours in Mongolia and just contributed photos to us.
The picture tells the history of past. You can see Mongolia from 2003 until 2013. We hope that when you see photos from the begining, you feel like fly to the past.


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Biggest shopaholics in America
Published On: Nov 21 2011 09:08:48 AM PST Updated On: Nov 22 2012 11:00:00 PM PST
Black Friday is here. Are you among the nation's biggest shopaholics?
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Posted Fri, Aug 15, 2008 by Cody Bye
These ARE the cards you've been looking for
Do or do not, there is no try.
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New Arrivals
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Grey Y-Shaped Crystal Necklace
An elegant cascade of crystal briolettes in the faintest shade of twilight.
- Lobster claw clasp with chain extender.
- Adjustable length: 18"-20". 5.5" drop.
- Glass crystals; nickel-free metal.
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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sales, shops & specials
displaying all
glomesh nude & gold for valentine's day gift guides!
Nude and gold styles from the Glomesh 'Ground Floor Going Up' and The Way We Were collections can make the perfect Valentines Day gift! The Way We Were collection features three styles available in gold, made from Glomesh metal mesh - the Renee, Sarah and Miriam. The Ground Floor Going Up collection features buttery soft leather and four styles available in nude.
1st maternity/nursing sports bra from cake lingerie
Cake Lingerie
Cake Lingerie is excited to announce the launch of the 1st Structured Nursing Sports Bra, which is now available for sale. There is a rise in women keen to maintain their fitness levels & get back into shape during their pregnancies & post-birth. A year in the making, Cake Lingerie is proud to innovate and to finally provide feeding capability to a Sport Bra. Created to lift and shape, 'Orange Zest' wont compress but encompass for a secure, comfortable and supportive fit, promoting Healthy Mom, Healthy Baby! Available Now in-store!
the dark horse jewellery end of season sale! prices start at $5
The Dark Horse
The Dark Horse Jewellery are having their biggest online SALE ever! With prices starting from $5 while stock lasts. Grab a bargain from jewellery labels such as House of Harlow, Wildfox, Low Luv by Erin Wasson, Kenneth Jay Lane, Belle Noel by Kim Kardashian, Fiel Sol & more.
rebecca peace- nightwear with a virtue
Rebecca Peace
Introducing Rebecca Peace. A Melbourne based label that creates truly luxe nightwear with the use of supple silks, soft cottons and original prints, to ensure every sleep is a luxurious, sensuous experience. The new collection features lilac cami and short sets, polka dot pussy bow blouses, night dresses and silk robes. The label has created a directional range of nightwear taking contemporary elegance and merging it with the ultimate comfort. Indulge yourself with Rebecca Peace's collection or spoil someone special this Christmas!
eles cosmetics gift ideas!
ELES Cosmetics
This Christmas ELES launch 4 gorgeous limited-edition gift sets! Celebrate with a choice of 4 gift sets styled around sophisticated attitudes, for the ladies and loved ones in your life. Such as the 'Temptress Gift Set', which is an enchanting gift set with bold warm shades of moss and melon for vibrant heat! This gift set includes; Signature Quad Shadow in Noveau Riche, Micro Bubble Lipstick in Micro Melon, Nail Enamel in Othello Orange and a Shadow Blender Brush presented in a chic ELES quilted bag.
pevonia botanica christmas collection 2013
Pevonia Botanica
Pevonia invites you to experience the ultimate in pampering this Christmas with exquisite gift sets for family and friends. Let your holiday beauty glow with the Pevonia Christmas Collection 2013. Your only dilemma will be whether to gift to a special someone, or keep the luxury gift for yourself! Our favourite gift pack is the "Luminous Sparkle- Lumafirm face & body gift set". This exquisite gift set includes lumafirm Repair Cream Lift & Glow, lumafirm Freeze-Dried Intensifier and lumafirm Body Moisturiser, presented in a sophisticated Pevonia black velvet cosmetic.
fascinators online! same day delivery!
Morgan & Taylor
To celebrate the Spring Racing Season Morgan & Taylor's online boutique is offering its customers the chance to buy a product and receive it that same day!! So if you are in a last minute rush to complete your Race Day outfit you can count on Morgan & Taylor to have you ready in time. To be able to take advantage of the online special you must purchase your item before 3pm on a Business Day and be in the vicinity of postcodes 3000 - 3006 or 3205. Offer valid from Monday the 21st of October up until Derby Day
put playtime back into pout paint with natio's new smoothie lip colour crayons
Colour us happy, Natio's NEW Smoothie Lip Colour Crayons (RRP $12.95) are putting playtime back into pout paint! Swizzling generous lashings of punchy pigment with natural lip moisturisers, the sumptuous scribble-on formulation concentrates colour and conditioning in one 'can do' crayon. Easy to hold with colour SO bold, these crafty crayons (available in eight mouth-watering shades) can deliver a quick slick of smooth, saturated colour to even the most parched summer lips.
spring racing carnival fashion from diana ferrari
Diana Ferrari
Spring Racing Carnival has come round again and it's time to start thinking about fashions on the field. From feminine lace for Oaks to pops of colour for the all-important Melbourne Cup, diana ferrari will ensure you stand out from the crowd at the track.
50% off super spring sale at nostalgic charm
Nostalgic Charm
Nostalgic Charm are having a massive store wide Super Spring Sale! Offering 50% off! Be quick to take advantage of this sensational half price offer on their entire collection. They have a wide selection of elegant ladies fashion for Spring and Summer, with a new range focused on dresses for those special occasions. Just in time for the Spring Racing Carnival!
latest sales & specials
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Hoping to find a source for accurate glass Oral Thermometers to keep in First Aid kits. (We've all seen the cheap digital versions and the last time we needed ours, the battery was nearly dead, making the whole thing worse than useless.)
I've seen reviews for several glass thermometers that have accuracy problems and "shake down" issues. I won't care whether the adult version is mercury or mercury-free, so long as it's accurate. I'll be happy to procure also (for completeness' sake) a mercury-free pediatric version.
I'm hoping to procure "Cool Tool" grade, heirloom-quality, eternally accurate thermometers, hopefully with a rigid removable sheath/whatever to keep them intact forever.
asked Jun 02 '12 at 08:10
Wayne R
Thanks Dan and Oliver. I learned something! Sounds like a Galinstan thermometer might be something to try.link
answered Jun 28 '12 at 18:21
Kevin Kelly
Galinstan Glass Thermometer
Mercury Free
Thermometer from Wilson Thyroid Productslink
answered Jun 07 '12 at 22:48
I wonder what the Galinstan Glass Thermometer mentioned above is made from. The description says it is "liquid metal" but "not mercury." I don't know what other metal is liquid at room temperature.
2 years, 6 months ago Kevin Kelly
I asked a physical chemist about Galinstan. It's known as an eutectic alloy, which in layman's terms is a combination of metals that when combined have properties that are unlike any of the associated metals (in this case, it is liquid at room temperature). It's also much less toxic than mercury.
2 years, 5 months ago oliver
Check out the 3Ms Tempa-Dot disposable thermometers. The only trouble is storing them at room temperature or below (including the shipping process).link
answered Jun 06 '12 at 14:10
Brody, can you say more about the Tempa-Dot thermometers. Do you use them at home?
2 years, 6 months ago Kevin Kelly
I've been looking for a thermometer too, but I have not used them yet. After some more research, I learned that if the "Tempa-dots" do indeed get exposed to heat, you can "reset" them by freezing them for a while. Seems like a good solution for home and office first aid kits, but maybe not camping or the car, where outdoor temps will most likely expose them.
Here's 3M's data sheet: http://multimedia.3m.com/mws/mediawebserver?mwsId=SSSSSufSevTsZxtUN82emY_BevUqevTSevTSevTSeSSSSSS--&fn=70-2009-8808-0.pdf
2 years, 6 months ago Brody
This one, a solar powered digital thermometer, might do the trick.
Available in the 'States here: http://www.mfasco.com/digital-thermometer-geratherm-solar-speed-each-p-7332.htmllink
answered Jun 06 '12 at 13:48


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One person is dead and two more injured after an early morning car crash in Orleans County Sunday.
The Orleans County Sheriff's Department said two people were in a Chevrolet HHR along Ridge Road in the Town of Gaines delivering newspapers around 3 a.m. That's when a second car, a Dodge Neon, driving down Ridge Road crossed the center line, hitting that car head on.
The driver of the HHR was identified by police as Edward Schneider, 21. Schneider was pulled out of the wreck by Albion firefighters and flown to Strong by Mercy flight. His passenger, Christopher Swan, 21, was partially ejected and was able to removed himself from the car. Swan was transported to Strong by ambulance.
Schneider is currently listed in satisfactory condition at Strong. Swan's condition is unknown.
The driver of the Neon, Cameron Hess, 22, was pronounced dead on the scene.
The sheriff's office is looking into what caused Hess to veer into the lane and off the shoulder.
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Use of Alcohol, Cigarettes, Number of Illicit Drugs Declines Among U.S. TeensDec. 16, 2014 A national survey of students in U.S. middle schools and high schools shows some important improvements in levels of substance use. Both alcohol and cigarette use in 2014 are at their lowest points ... full story
Biological Basis for Magic Mushroom 'Mind Expansion' DiscoveredJuly 3, 2014 New research shows that our brain displays a similar pattern of activity during dreams as it does during a mind-expanding drug trip. The study found that under psilocybin, activity in the more ... full story
Gauging Local Illicit Drug Use in Real Time Could Help Police Fight AbuseJune 11, 2014 The war on drugs could get a boost with a new method that analyzes sewage to track levels of illicit drug use in local communities in real time. The new study could help law enforcement identify new ... full story
Alcohol and Drugs: Not Just for Modern HumansMay 12, 2014 Unlike most modern humans, the prehistoric people of Europe did not use mind-altering substances simply for their hedonistic pleasure. Researchers contend that their use was an integral part of ... full story
Psilocybin Inhibits the Processing of Negative Emotions in the BrainMay 7, 2014 Emotions like fear, anger, sadness, and joy enable people to adjust to their environment and react flexibly to stress and strain and are vital for cognitive processes, physiological reactions, and ... full story
Protein Researchers Closing in on the Mystery of SchizophreniaApr. 11, 2014 Schizophrenia is a severe disease for which there is still no effective medical treatment. In an attempt to understand exactly what happens in the brain of a schizophrenic person, researchers have ... full story
New Study Examines Effects of Methoxetamine (MXE)—A New "Legal High"Nov. 25, 2013 Researchers attempted to create an understanding to the subjective effects from use of Methoxetamine (MXE), a drug belonging to a class known as "legal highs" or "research chemicals," and ... full story
New Research Links Smoking Synthetic Marijuana With Stroke in Healthy, Young AdultsNov. 19, 2013 Add stroke to the list of severe health hazards that may be associated with smoking synthetic marijuana, popularly known as spice or K2, a neurology team ... full story
'Yes' to One Drug Could Become 'Yes' for Other DrugsOct. 8, 2013 High school seniors who frown upon the use of drugs are most likely to be female, nonsmokers or hold strong religious beliefs, according to a new study. The work examines how teenagers' attitudes ... full story
LSD and Other Psychedelics Not Linked With Mental Health Problems, Analysis SuggestsAug. 19, 2013 The use of LSD, magic mushrooms, or peyote does not increase a person's risk of developing mental health problems, according to an analysis of information from more than 130,000 randomly chosen ... full story
Evolutionary Relationships Among Species of 'Magic' Mushrooms Shed Light on FungiAug. 6, 2013 "Magic" mushrooms are known for their hallucinogenic properties. New research helps uncover the evolutionary past of a fascinating fungi that has wide recreational use and is currently ... full story
First Trial to Investigate Magic Mushrooms as a Treatment for Depression Delayed by UK and EU RegulationsApr. 7, 2013 The world's first clinical trial to explore the use of the hallucinogenic ingredient in magic mushrooms to treat depression is being delayed due to the UK and EU rules on the use of illegal drugs ... full story
The Mysterious GRIN3A and the Cause of SchizophreniaMar. 14, 2013 Since the 1960s, psychiatrists have been hunting for substances made by the body that might accumulate in abnormally high levels to produce the symptoms associated with schizophrenia. In particular, ... full story
Potential of Psilocybin to Alleviate Psychological and Spiritual Distress in Cancer Patients Is RevealedJan. 31, 2013 A recently published book chapter reviews the potential of a novel psychoactive drug, psilocybin, in alleviating the psychological and spiritual distress that often accompanies a life-threatening ... full story
Holiday Spices Often Abused for Cheap Highs, Says ToxicologistDec. 17, 2012 Cinnamon, nutmeg and even marshmallows are being intentionally abused in risky behavior, says a toxicologist. Once folly for teenagers, pre-teens are now copying what they see from Internet videos ... full story
High Potency and Synthetic Marijuana Pose Real Dangers in First Weeks of PregnancyAug. 15, 2012 Experts say the argument that marijuana is a harmless drug is no longer valid due to the emergence of "high potency" marijuana and synthetic marijuana which pose a potential real threat for ... full story
Structure of 'salvia' Receptor SolvedMar. 21, 2012 A research team has determined the structure of the kappa-opioid receptor—site of action of the widely abused hallucinogen Salvia divinorum – solving longstanding scientific mysteries and ... full story
Revisiting LSD as a Treatment for AlcoholismMar. 8, 2012 Several decades ago, a number of clinics used LSD to treat alcoholism with some success. But until now, no research has pulled together the results of these trials to document exactly how effective ... full story
Magic Mushrooms' Effects Illuminated in Brain Imaging StudiesJan. 23, 2012 Brain scans of people under the influence of the psilocybin, the active ingredient in magic mushrooms, have given scientists the most detailed picture to date of how psychedelic drugs work. The ... full story
Researchers Discover Clues to Developing More Effective Antipsychotic DrugsNov. 23, 2011 Researchers have identified the pattern of cell signaling induced by antipsychotic drugs in a complex composed of two brain receptors linked to schizophrenia. The discovery should allow researchers ... full story
- First trial to investigate magic mushrooms as a treatment for depression delayed by UK and EU regulations
- Potential of psilocybin to alleviate psychological and spiritual distress in cancer patients is revealed
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An Exotic Ambiance
Bolts of crimson and green fabric embellished with golden patterns adorn the walls of Fez Moroccan Restaurant. Seated atop cushioned stools, diners surround the room's low-slung circular tables as Moroccan music echoes throughout the space and Friday and Saturday evenings herald the arrival of belly dancers. Collectively, these elements create an unmistakably Morroccan atmosphere.
A Feast for the Senses
As evidenced by the swirling aromas of saffron, honey and almonds, and harissa-cumin sauces, the chefs are equally committed to the task of capturing the essence of Morocco. In addition to the selection of kabobs and tagines, the menu features a variety of vegetarian as well as meat-laden couscous dishes. The savory smells mingle with the slightly sweet smoke of the fruit-flavored shisha smoldering in the hookahs.
What Do the Experts Say About Fez Moroccan Restaurant?
At two locations, Top Hat Dance Studio's passionate team of nationally certified teachers inspires dancers of all skill levels to shuffle off to Buffalo while hustling, salsaing, and waltzing across the dance floor. During group lessons, skilled instructors teach guests to untangle left feet while performing intricate, stylized choreography in the Lancaster location's two-step, ballet, and West Coast swing classes or the Philadelphia location's salsa, bachata, and advanced-level chicken-dance classes. Fledgling fleetfooters can supplement group sessions with private lessons, during which feet will learn to tap out Morse-code messages to a far-away dance partner while sharpening skills with one-on-one instruction. In addition to these dance classes, instructors also specialize in preparing engaged couples for their first dance and offer a number of specially designed youth programs.
Countless fiber-optic cables comprise a titanic custom chandelier in Vango Lounge & Sky Bar's main dining room, casting a glow over tufted-velvet walls and plates of Japanese continental cuisine. During a typical meal, yellowtail and grilled vegetables may top small plates of crostini, and wasabi mashed potatoes sidle up to larger entrees such as braised-beef short ribs in sweet teriyaki sauce. As chefs compose eel and avocado rolls or slice delicate pieces of salmon sushi, bartenders mix specialty cocktails, such as the Sundance with Absolut Raspberri and Godiva white-chocolate liqueur. Luxe decorations—including wall nooks that display sleek bottles of vodka and a wall that holds 200 inlaid fresh roses every night—dapple the 8,000-square-foot lounge. Upstairs on the roof deck, revelers can admire the surrounding skyline from a seat at the bar, boogie on the dance floor to nightly DJs, or secretly read comic books under the covers of king-size lounge beds.
Just about every night at 8 p.m., two musicians take their seats at opposing baby grand pianos, and the show at Jollys Dueling Piano Bar begins. For the next, say, six or so hours, they'll belt out crowd favorites by Billy Joel and Lady Gaga, pausing to take audience requests or serenade a birthday honoree. But even without the rollicking performance, there would be plenty to draw people to the bar—namely, the food and drinks. A rotating list of craft beers and sweet cocktails complements a menu of spicy bacon burgers, goat cheese flatbreads, and housemade guacamole.
The pan-Asian hot spot boasts a miscellany of delectable delights served up family-style within its blue velvet-accented confines. Treat taste buds to a circular meal from Swanky Bubbles's sushi menu by giving in to the sweet temptation roll, which bats its sushi lashes at your hunger with a medley of lightly torched tuna, asparagus, avocado, and spicy sauces ($12). Palates can search for higher meaning with the enlightenment roll, capable of eliminating an appetite's earthly desires with crabstick, verdant veggies, ginger, and wasabi cream ($9). The swanky sampler fetes choice enthusiasts with an array of sushi selections, including spicy tekka, california, and hamachi rolls that tear down oppressive suburban fences to share neighborly vibes with salmon, striped bass, and tuna sashimi ($28). Staunch believers in the power of flames can dig into the fully cooked dinner menu, packed with classic fare such as tangy pad thai ($16) and the flavorful, miso-glazed Chilean sea bass ($26). Sail to Polynesia with the fiji ribs ($14), or dock at the herbivore islands with the mushroom ravioli ($15).
Cubicle-dwellers, brassy librarians, and off-duty millionaire impersonators can all enjoy an unpretentious meal 'n' mingle in an Old City setting with today's deal. For $10, you'll get $25 worth of drinks and upscale pub fare at Mad River Bar & Grille. Leave your fancy pants in your fancy pants storage unit: Mad River prides itself on a casual-yet-fashionable atmosphere where young professionals can chow down, watch sports, and make friends that can last a night or more.Follow @Groupon_Says on Twitter.


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The Northeast Neighborhood House building, 2001.
The Harrington-Merrill House, 2011.
The north façade of the Minnesota Building showing the words "MINNESOTA BDLG" between the twelfth and thirteenth floors, 2009. Photograph by Thomas R. Zahn.
North façade of Faribault Woolen Mills, 2011. Photograph by Elizabeth A. Gales.
Map of three northern boundaries proposed for the state of Minnesota at varying degrees of latitude.
Northern Pacific Railroad's colonist's reception house, Glyndon, Minnesota, 1876.
Northern Sokol District instructor classes held at Pine City, c.1930.
Northrup King Dahlia seed packet, 1986.
Northrup King seed bag for Grimm alfalfa, c.1956. Grimm alfalfa was the first winter-hardy alfalfa in North America.
Double-sided, wood-framed, painted trade sign advertising Northrup, King and Company's Sterling seed corn, 1917. Made by the E.E. Peterson Sign Company.
Made possible by the Arts and Cultural Heritage Fund through the vote of Minnesotans on November 4, 2008. Administered by the Minnesota Historical Society.
Minnesota Historical Society • 345 W. Kellogg Blvd., St. Paul, MN 55102-1906 (Map) • 651-259-3000 © .
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Awarded "Best Update" in the Runner's World 2013 Winter Shoe Guide (December 2013)
A skeletally engineered upper that provides ultralight support and fit. Created by fusing two thin materials with a no-sew process.
An innovative foam compound providing the same responsiveness and durability of New Balance foams 30% heavier. REVlite offers a lightweight ride without minimizing construction or sacrificing underfoot cushioning or stability.
No reviews found for the Limited Edition NYC 890v4