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Very Good Recipes of Potato from Cuisine Delights
There are 16 Potato recipes on the blog Cuisine Delights. (2385 on all the blogs)
Click on the title of a recipe or the photo of a dish to read the full recipe on its author's blog.
Recipes by date | Most popular recipes
Luchi ar Aloo Sabzi (Fried Indian Flat Bread & Potato Curry) By Cuisine Delights 12/29/13 07:30 Luchi is deep fried flat bread which is a very famous as a Bengali breakfast. However, it is the same recipe which is known as 'Puri' across India. Luchi mainly made with maida i.e. all purpose flour. Aloo curry made with minimum ingredients with it. This... Add to my recipe book
Bengali's Alur Chop / Potato Fritters Kolkata Style By Cuisine Delights 12/10/13 10:47 Alur chop is a very popular street evening snacks in Kolkata. There are many in Kolkata whose evening not completed without lip smacking snacks like 'alur chop', 'Beguni', 'fuluri' 'egg devil' and pakoras of different varieties of 'Tele bhaja' or deep fried... Add to my recipe book
Minty Methi Potato By Cuisine Delights 09/19/13 09:36 Today recipe is rich and creamy made with potato, dry fenugreek leaves, fresh mint and combination with Indian spices. Mint is a easily available herb which gives fresh flavors and fenugreek leaves are quite bitter in taste. It has unique flavor and fragrant... Add to my recipe book
Bread Potato Roll ~ Ratha Yatra Special By Cuisine Delights 07/10/13 09:00 The 'Rath Yatra' or Festival of Chariots is one of the greatest festivals in all over the World. The festival is originated in Puri located in Orrisa. The puri Rath Yatra is world famous for the crowd that it attracts. Three beautifully chariots are lined... Add to my recipe book
Aloo Baingan Sabzi / Potato Brinjal Cuury By Cuisine Delights 07/05/13 10:23 Aloo baingan ki sabzi is a very easy and simple North Indian dish. Aloo-baingan is a fantastic combo which is melt in mouth and the main flavors of this dish comes from the tempering ingredients.. Ingredients : Brinjal - 1/2 kg Potato - 3 Onion - 1, chopped... Add to my recipe book
Jeera Aloo (Cumin Roasted Potato) By Cuisine Delights 12/03/12 07:59 This simple recipe is a real treat for all potato lovers. Potatoes are cooked jeera or cumin seeds and some basic spices. Jeera Aloo can be eaten with Rotis or with bread or puris as a snack or for breakfast. Ingredients : Potato - 6 medium sized Onions... Add to my recipe book
Sesame Honey Chilli Potato By Cuisine Delights 06/28/12 08:50 Sesame Honey Chili Potatoes owe it flavor to honey and sizzling red chilies. I like the deep fried restaurant version but I prefer the healthy home made method where the potatoes are shallow fry before being tossed in a sweet and hot sauce and sprinkled... Add to my recipe book
Open Faced Potato Sandwich By Cuisine Delights 04/18/12 08:24 One of the easiest and fastest ways is to eat it on an open faced sandwich. Potato Sandwich is a yummy and nutritious ,healthy snack that can be made up in minutes. It is great for breakfast, brunch , lunchboxes and even for traveling. A perfect little... Add to my recipe book
Potato Pepper fry By Cuisine Delights 04/11/12 08:13 Pepper potato is a simple and quick recipe prepared with boiled potatoes and cooked in a ground spicy pepper masala paste.I love the combination of hot peppercorns and potatoes, as they blend very well. Pepper potato is served as one of the vegetable in... Add to my recipe book
Poori Aloo Masala (Fried Bread and Spicy Potato) By Cuisine Delights 03/07/12 09:17 This is one of the traditional breakfast menu that can be prepared in weekand morning. It is also great to serve as a snack or any other meal. Poori with potato masala is a tasty and simple dish prepared with little mashed potatoes, often served with deep... Add to my recipe book
Potato With Mint And Coriander Sauce (Pudila Dhaniya Aloo) By Cuisine Delights 02/16/12 10:09 Potato is eaten cooked as a vegetable, boiled, baked (often jacketed), mashed or as chips (French fries). Potato is a frequent ingredient in soups, stews and pies.Crisps (chips) are eaten as snacks. Potato (Aloo) is perhaps the most popular vegetable in... Add to my recipe book
Kohlrabi Potato Curry By Cuisine Delights 02/13/12 07:49 Kohlrabi is very commonly eaten in Indian cuisine . So, for my kohlrabi recipe, I decided to make a curry. Both hubby and I really enjoyed our first experience with kohlrabi – and I hope you do, too! Ingredients: Kohlrabi - 3 medium Potato - 2 medium Peas... Add to my recipe book
Cauliflower Potato Masala ~ In Kerala Style By Cuisine Delights 01/09/12 06:36 Cauliflower & Potatoes make a lovely pair. The popular North Indian dish Aloo Gobi is a favorite among many people. Here is my recipe for a semi-dry Cauliflower Potato Masala which goes well with Rice & Rotis. Ingredients : Cauliflower florets : 1 medium... Add to my recipe book
Peas Kachuri With Aloo (Baby Potato) Dum By Cuisine Delights 12/09/11 07:33 Crisp savoury bursting with fresh flavour of season's peas. Peas Kachuri Ingredients : Green peas : 2 cups Flour : 2 cups Green chilli : 2 pieces Ginger : 2" Cumin seeds : 1 tsp. Red chilli : 1 piece Sugar : 1 tsp. Salt to taste Refine oil for deep frying... Add to my recipe book
Potato Chickpeas Kurma By Cuisine Delights 12/05/11 08:14 Chick Peas is rich in protein.So,every week I use to make anything dishes using this chick peas.Its a very yummy gravy which I like most. A delicious, creamy chickpea and potato curry, full of flavor and so simple. Ingredients : Potato - 4 Chickpeas - 1... Add to my recipe book
Aloo Gobi Ki Sabji (Potato And Cauliflower Curry) By Cuisine Delights 11/17/11 07:45 Aloo Gobhi, a classic North Indian dish. Being a cauliflower and potato fan, aloo Gobhi has to be a favorite. Rotis with spiced Aloo Gobhi is a regular dinner fare during winters. There is something about the aroma of spices that go into the tadka (tempering)... Add to my recipe book


text: Hi all, I want to create online folders of assessments that students can access at home. I need to create separate logins for each student, and for them to only be able to access their work and perhaps a communal bank of example work. I would like to be able to limit each user to viewing their own documents, with no privileges to amend, delete or upload (The English department would upload the pdfs). I've looked at moodle and it seems a bit complex for a non ICT specialist like me. Plus, what I am aiming for is comparatively simple compared to any web 2.0 levels of interactivity. Any suggestions would be welcomed. Thank you.

subset: commoncrawl


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Fox Announces Fall Premiere Dates; Tuesday Comedies Kick Off Early; ALMOST HUMAN Premieres November 4th
by Adam Chitwood Posted 1 year, 176 days ago
Fox has announced the premiere dates for its fall programming, and the network is getting a jump on its rivals by kicking off a number of its shows a week early. Here are some highlights:
- Bones returns on Monday, September 16th followed by the debut of Sleepy Hollow. Bones will then move to Fridays on November 8th, when a new series takes over its Monday slot.
- The Tuesday night comedy lineup of Seth MacFarlane's live-action Dads, the Andy Samberg-starrer Brooklyn Nine-Nine, and returning series New Girl and The Mindy Project begins on Tuesday, September 17th.
- Glee kicks off its fifth season on Thursday, September 19th.
- The Animation Domination block of The Simpsons, Bob's Burgers, Family Guy, and American Dad returns with all new episodes on Sunday, September 29th.
- The new drama series from executive producers J.J. Abrams and J.H. Wyman, titled Almost Human, gets a delayed premiere on Monday, November 4th, taking over Bones' timeslot.
- Raising Hope doesn't return until Friday, November 8th, where it will be followed by the new comedy series Enlisted.
Hit the jump to check out the full fall schedule, and click here to watch trailers for Fox's new series.


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If I'm careful, but... crash! I dropped my wooden sunglasses and of course they have broken a bit. I'm sure I can fix them with patience, putty and glue, but meanwhile, it occurred to me that if the frame were made of another material, stronger and yet flexible, such as eucalyptus, this would be great.
I searched the internet and found a company, Australian of course, that produces eucalyptus eyewear.
The manufacturer is called Fritz Frames and the model in question is the Ostria. The price is worthy of the fanciful, about €800.00.
The frame weighs about 12 grams, half that of plastic models.
All eyewear models from this manufacturer are unique, handmade by craftsmen, and they all bear the logo of the brand and an individual serial number inside.
To achieve this elasticity they have 30% fibre reinforcements in different directions and 70% consisting of multiple layers of light eucalyptus, thus ensuring that the product is durable and resistant to UV rays and water.
What do you think? They are very clever with a lot of technology behind them, don't you think? This is why they grabbed my attention so :D
About Blickers
"Sunglasses addict? At Blickers find the perfect sunglasses for every mood&season! Not your average brands, not your average online shop! Alternative, unique, and artisanal brands bringing hand-made and funky sunglass-style to an art form! Get Hooked!"


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Professor of Leadership and Organizational Behavior Martin Davidson teaches, conducts research, and consults with global leaders on how they can use diversity strategically to generate superior business performance. His research on the impact of culture and ethnicity on career development and on conflict management appears in top managerial and academic publications including Harvard Business Review, Administrative Science Quarterly, Research on Negotiation in Organizations, Journal of Personality, Review of Educational Research, The Industrial-Organizational Psychologist and the International Journal of Conflict Management. He has also conducted research on four continents identifying the critical competencies for managing effectively across national boundaries. Executive summaries of Davidson's academic journal articles and book chapter contributions may be viewed on his website, www.leveragingdifference.com/research-articles/.
His new book, "The End of Diversity as We Know It: Why Diversity Efforts Fail and How Leveraging Difference Can Succeed," introduces a research-driven roadmap to help leaders more effectively create and capitalize on diverse and inclusive organizations.
In addition to teaching leadership in Darden's MBA and Executive Education programs, he consults with a host of Fortune 500 firms, government agencies and social profit organizations. He has served as Associate Dean and Chief Diversity Officer for the Darden School, and as the national chair of the Gender and Diversity in Organizations Division of the Academy of Management. Davidson has been featured in numerous media outlets including the New York Times, BusinessWeek, the Wall Street Journal, the Washington Post, and National Public Radio. He has been a member of the Darden faculty since 1998. Previously, he was a member of the faculty of the Tuck School of Business at Dartmouth College. For more information on Martin N. Davidson, his current and developing work and to view his weekly blog, "In My Opinion," visit www.leveragingdifference.com.
Darden faculty and administration highlight some of the ways they incorporate business ethics into their specialty areas across the Darden enterprise and not just in the core ethics classes. In this video, we hear from Professor Martin Davidson, of Darden's Leadership and Organizational Behavior faculty.
University of Virginia Darden School of Business
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Charlottesville, VA 22903 USA
Copyright © 2014 The Rector and Visitors of the University of Virginia. All Rights Reserved.


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We were together for about 3 years. He is from New Zealand and i am from the Caribbean. I moved to NZ to be with him. we lived together for 1 year in NZ then he kicks me out and dumps me. leaves me on the street in New Zealand with nowhere to go. We both made mistakes, but I know our mistakes were because we were both afriad of what was happening and didnt know how to cope. He said so many hurtful things to me, and made it all into my fault.
I blame myself for so many things, because i know i could have done things differently. I just want him back right now.
I have left New Zealand and am now living with my sister and her family in Canada for 1 month (after this i dont know where to go in the world, i cannot go back to my home country, i will need to find a job somewhere). I had to leave New Zealand because I could not survive in NZ on my own with not enough money and no friends. I feel so lonely, and i want to get back together with him because i know that we can work through it if we tried. But he clearly doesnt. He has cut me off like a cancer tumor. Just removed every piece of me from his life, deleted me, blocked me and locked me off. All his freinds have nothing to do with me and i feel as though I am a total reject.
How do i stop wanting to be with him again? How do i forget about working it out? How do i convince myself that he is not the one for me? How do i just forget him?
Everyday i dream that he will feel regret dumping me and come back one day. Everyday i feel as though he will come around. But my rational thought tells me that i know him well enough to know that once he makes his mind up he never regrets. Even if he thinks he could have made a wrong choice, he will never return back to that mistake. He always sticks to his decisions and lives the outcomes. This is his nature.
My brain knows that i have nothing to go back to with him. My heart cannot accept this. We were suppsed to get married. I just want a do over.
Please help me to move past this and start afresh. It has been 2 months since i was kicked out.


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Highlight your bath or powder room counter with the elegant Caxton basin. Caxton creates a sleek transition from the smooth oval basin to just about any solid-surface countertop and features a glazed underside that matches the basin's color. This easy-to-clean and versatile sink complements contemporary and traditional bathrooms.
Configure and Add Required Items
There are additional items required to install this product.
Height 8-1/4"
Length 19-1/4"
Width 16-1/8"
Template & Symbol Downloads
To open these downloads you will need specific programs such as Autocad.


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Cheapest place to buy Stompeez slippers?
Neo1607posted 1 year, 1 month ago
Been given the task of finding Stompeez slippers for my girlfriends nieces for xmas, anyone know any sites doing deals on them or anywhere with cashback? Cheers
All Responses (9)Jump to unread Post an Answer
- bellotsa1 year, 1 month ago #1Show comment tools ReplyIt depends which type. Disney srompeez are usually more expensive
- Neo16071 year, 1 month ago #2Show comment tools ReplyIt's not the Disney ones, it's just the generic ones i think, one wants the cat or dog ones, and the other wants unicorn ones
- bellotsa1 year, 1 month ago #3Show comment tools ReplyJust had a quick look.. tryhttp://homeshopping.24studio.co.uk/christmas-book/clothing-footwear/kids-nightwear/5/slippersbystompeez/2?source=TJ9G&cm_mmc=Studio_P-_-Display-_-Google_PLA-_-Slippers%20By%20Stompeez_44449879&tmad=c&tmcampid=15&tmplaceref=Google_Properties&tmclickref=Google_PLA&cssoc=047&gclid=CK7j9P6C77oCFRSWtAod6RUAoQ
- bellotsa1 year, 1 month ago #4Show comment tools ReplyDisney ones are 3for2 at boots
- Neo16071 year, 1 month ago #5Show comment tools ReplyTried that studio24 link, when i try adding to basket i just keep getting the error "We are sorry, this item is out of stock or no longer available for this catalogue. Please choose an alternative."
- bellotsa1 year, 1 month ago #6Show comment tools ReplyHow frustrating. Bhs were doing them with 20% off but I would imagine they are also out of stock
- pink-ka1 year, 1 month ago #7Show comment tools ReplyThey are £14.99 in toys r us, if you buy two pairs then buy a charity bag at the checkout for 20p to take it just over £30 you can use the £5 off £30 spend, I bought my daughter the bunny ones and they are fab.
- takethatfan19781 year, 1 month ago #8Show comment tools ReplyI bought my daughters ones in September from argos. Think they were around £14
- Neo16071 year, 1 month ago #9Show comment tools ReplyTried toysrus and they are out of stock of one of them, since i can't get the ones they wanted they have both decided on the disney ones and luckily they are both in stock at BHS with the 20% off, so i dunno if £31 is a bad deal or not for 2 disney pairs?


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To get the thread Model and its Idle count as in the WebLogic 8.1 we need to tune the server instance parameter in the config.xml. While changing this you should be cautious,
make sure you have a backup copy the config.xml before editing.
Enter the following line in the
Full detail description about how to change this parameter is given here...http://download.oracle.com/docs/cd/E13222_01/wls/docs92/perform/appb_queues.html
The WLST script for Thread count monitoring will be as follows:


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Check it out!
Find out what the stars of The Inbetweeners, Awkward, Big Time Rush, and more had to say about what "VMA" stands for (extra points for creativity), their celeb crushes, and favorite VMA moments.
Cambio also got some wicked shots of The Wanted and One Direction hitting the red carpet, as well as Demi Lovato's Give Your Heart a Break performance.
Don't fail halfway: Rate these hilarious users' Epic Fails or submit your own for the chance to win!
Gallery | 2012 MTV VMAs: Red Carpet Style!


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Minyan KatanFree
Midway Jewish Center
330 South Oyster Bay Road, New York NY 11791
View Map
- Time: 11:15 am - 12:15 pm
- Phone: 516-938-8390
- Email: email@example.com
- Website: http://www.mjc.org
Parents with young children are invited to join us on Saturday mornings for Minyan Katan at 11:15 AM in Room 18.
Minyan Katan is a Shabbat morning service geared toward young children and their adults. Parents lead, on a rotation basis, age-appropriate davening/prayer, Torah study/stories and activities; children attend the service accompanied by an adult. The service lasts about 45 minutes. Afterward, families rejoin the congregation for concluding prayers in the sanctuary.
We look forward to seeing you there!


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get up to date events, news, and press releases
944 Magazine - Janua...
944 Magazine profiles Matador Cantina in their January 2010 publicatio...
Located in the heart of Historic Downtown Fullerton, Matador Cantina brings North Orange County an entirely new dining and social experience. From our Mexican-inspired cuisine and array of premium tequilas and signature cocktails to the warm and inviting décor, Matador Cantina promises an altogether unique and rewarding dining experience.
111 N. Harbor Boulevard
Fullerton CA, 92832 see map
For dinner reservations and private parties click here.


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Golden Beach Hotel and Resort
Pasir Bogak at Pangkor island is one of the most popular beaches. The Pangkor Golden Beach Hotel and Resort is conveniently located right at the beginning of Pasir Bogak beach. With its location a mere 2 minutes from the beach, a swimming pool and even a small sports ground behind the hotel.
The Golden Beach has a decent restaurant, which is surprisingly cool, even at the heat of the day. From our own experience we can say the food is excellent Malay styled. Buffet service is served for large groups.
All rooms are located around a central courtyard. The rooms are available on the ground floor (good for elderly persons) and also on the upper floor.
All rooms come with Astro TV, coffee and tea making supplies, hot shower and air-conditioning.
The Golden Beach Hotel and Resorts have a range of additional facilities available:
More about hotels at Pasir Bogak
New! CommentsHave your say about what you just read!
Leave me a comment (in English please) in the box below.
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Pasir Bogak
Pasir Bogak is a beautiful beach, there can be little discussion.
Chalets at Pangkor
Many island in Malaysia offer chalets. It's a great deal, no doubt. As I have to stay every once in a while at Pangkor (even though I live nearby in Sitiawan) I always prefer chalets over hotel rooms.
It's certainly not because the hotel rooms are not nice but hey.. if you can get a chalet for the same price as a hotel room... I know what to choose...


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|History of vinegar
Vinegar's history is widespread and diverse. Vinegar may have infact been discovered entirely by accident. Over the ages ancient civilisations have used vinegar for preserving, and medicinal purposes amongst other things.
It is said that the Sumerians, around 2500 BC were the first to begin using vinegar as a disinfectant and using it to preserve food. 500 years later, vinegar was also being used in Mesopotamia to pickle imported cucumbers. In the classical world from the mid 400's BC onwards, Hippocrates and his fellow pioneers used vinegar mixed in medicine, applied on the skin and as a drink.
During Hannibal's campaign across the Alps into Italy in 218 BC, it is reputed that the boulders blocking his army's path were heated and then had vinegar poured over them in order to crack the boulders into smaller pieces and then remove them easier. By the 1st century BC, the Egyptians were using vinegar to preserve not only their food, but also as a method of preserving during mummification. Cleopatra was a main advocate of vinegar, and used it in skin care. As well as this, Pliny describes how Cleopatra drank a solution of pearls dissolved in vinegar to win a challenge with Anthony over who could eat the most expensive meal.
Perhaps some of the success of the Roman Empire can be attributed to vinegar. During the expansion of the Roman Empire, Roman soldiers were known to drink posca, made from diluted vinegar, said to help whilst soldiers were on the battlefield. The Middle East saw developments in alchemy, the alchemist Jabir Ibn Haiyan discovered acetic acid by distilling vinegar. Middle Eastern physicians of the time used vinegar to ease headaches, burns, and as a clotting agent.
Further East in China vinegar was considered a vital household ingredient, and was listed as one of twelve items every household should always have, used as a handwash and disinfectant. As well as for medicinal and sanitizing purposes, vinegar was believed to increase spiritual energy and remove toxins from the body.
In medieval times, amongst frequent outbreaks of plague, vinegar was used as a disinfectant to ward off the disease. Those employed to clear away bodies doused themselves in vinegar, and villages quarantined because of the plague left money for those bringing food in a container of vinegar, so as to disinfect it. Onwards from this time, vinegar played a major role on voyaging ships. Vinegar kept ships clean, and preserved food, essential for long journeys in confined spaces.
In the 17th and 18th centuries after the development of open sewage systems in towns and cities, vinegar was used to remove the worst of the stench. Men and women carried with them a sponge soaked in vinegar which they held up to their noses. In France in the 17th century, the King of France spent over one million francs on vinegar to cool cannons used in battle. The American Civil War and the First World War, as well as other signicant historical conflicts saw apple cider vinegar used widely to clean and disinfect wounds of the soldiers.
By the 1860's the potential for commercialising vinegar expanded with Louis Pasteur's discovery. He realised that by adding more micro-organisms, and increasing the wine's exposure to oxygen the process sped up considerably. The use of vinegar on a large scale didn't fade out over time. As recent as 2003, vinegar was used to help treat an outbreak of pneumonia in China. Today, vinegar is used around the home, in the kitchen, as a medicine, and as a cleaner.


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Mike Yeo RSS
Canucks Hat Trick: A wing and a prayer, your serve Cory, Wild about Minnesota
David Booth's serious left-ankle injury and Zack Kassian's back ailment have placed the Vancouver Canucks' dominance of the Northwest Division in jeopardy. (Getty Images via National Hockey League).
Three things to ponder after the Canucks dropped a 5-2 decision to the Red Wings on Saturday at Rogers Arena: DOUBLE TROUBLE: With winger David Booth suffering a left ankle injury late in the first period Saturday from an endboards … Continue reading
Canucks Hat Trick: Targeting the Sedins, defending D-man, what's with Malhotra?
Henrik and Daniel Sedin were held pointless Tuesday by the Minnesota Wild and they absorbed their share of shots. That could become the norm for teams to try and top the red-hot Vancouver Canucks. (Getty Images via National Hockey League).
Three things to ponder following the Canucks' 2-1 victory over the Minnesota Wild on Tuesday: 1. NO POINTS NOT THE POINT: The columns were half-written and the crowd was ready to rise in unison, but the fact that Henrik Sedin … Continue reading
Happy homecoming for Schroeder will be keeping training partner Parise in check
ST. PAUL, Minn. — Jordan Schroeder lost count of how many family and friends will be in a private box his father purchased to watch the former local high school and University of Minnesota star make his first NHL appearance … Continue reading
Wild juggle lines, trade for giant, hold players only meeting to avoid collapse
Like his team, Dany Heatley got off to a fast start and has cooled off. The Minnesota Wild have already held a players' only closed-door meeting to sort it all out. (Getty Images via National Hockey League).
ST. PAUL, Minn. — Dany Heatley is a lot like what we've come to expect from the Minnesota Wild. After 14 shots and three goals in his first three outings, the winger didn't have more than two in his next … Continue reading
Canucks/Wild Post Game Quotes (I Wish Were Real)
The main issue I have with post game coverage is the general lack of personality conveyed by the majority of the league. The NHL has some of the classiest athletes and coaches in all of professional sports, but sometimes you … Continue reading
Canucks Morning Hat-trick
Three things to ponder heading into Monday night's game in Minnesota: 1. What the odds that Mike Yeo's head will explode before the regular season ends? The first-year Minnesota Wild head coach was certainly in the early conversation for NHL … Continue reading
Canucks/Wild Post Game Quotes (I Wish Were Real)
The main issue I have with post game coverage is the general lack of personality conveyed by the majority of the league. The NHL has some of the classiest athletes and coaches in all of professional sports, but sometimes you … Continue reading
System isn't new but results are as Wild sets sights on surpassing Canucks atop division
ST. PAUL, Minn. — Kyle Brodziak leads Minnesota in goals with 11 as the Wild prepares to face the Vancouver Canucks in a Northwest Division showdown Monday at Rogers Arena. (Getty Images/via National Hockey League).
When it's easier to recall what has happened off the ice rather than on it, you can't really label all those previous clashes between the Vancouver Canucks and Minnesota Wild as laying the foundation for a strong rivalry. More like … Continue reading
Canucks need to get to Wild early to avoid another one-goal chess match
VANCOUVER — Alex Burrows congratulates Alex Edler after the Canucks defenceman collects another point. He's third among NHL blueliners with a dozen points after 12 games. (Getty Images via National Hockey League.)
ST. PAUL, Minn. — New players. New coach. Same Wild. As much as Dany Heatley and Devin Setoguchi have provided the Minnesota with an offensive spark in combing for seven goals and 14 points, it's a traditional dedication to defence … Continue reading
Koivu expected to face Canucks after being cut under chin by skate against Oilers
UNIONDALE, N.Y. — Mikko Koivu of the Minnesota Wild goes to the offensive against the Islanders on Oct. 10. The captain suffered a scary skate cut under his chin Friday in Edmonton. (Getty Images)
The reaction was as remarkable as the action. After being clipped under the chin by the skate of Minnesota Wild teammate Dany Heatley in a scary scenario on Friday night in Edmonton, captain Mikko Koivu kept playing until he realized … Continue reading


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Reviews Bybeerbill
Beer Reviews (33)
Restaurant Reviews (0)
We went down the street to the Bumpin Buffalo, which was a disaster. It was 6:45 and we waited about 25 minutes for a table. When we finally got a a table, the manager, who was standing maybe 10 feet away from us, told the waitress, "don't seat them, we're not serving dinner anymore." When I tried to talk to the manager, she quickly walked away and refused to answer me. I was pissed to say the least. She was standing right next to us, tell us yourself moron! Don't dump it on some poor waitress you gutless wench. And thanks for letting us stand there for 30 minutes for nothing. How the hell do you run out of food on July 4th? Next visit, I'll stay in Keystone instead.
I don't know the hours, but I think its around 6 am to ? I know they serve breakfast in the morning. Wish I had more info to give you.


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Wivell et al v. Wells Fargo Bank, N.A. et al
Filing 39
ORDER denying 22 Plaintiff's motion to remand. The Court lifts the stay imposed by Judge Dorr's Order dated December 18, 2012 28 . Any response to Defendants' pending motions to dismiss 10 16 shall be due within fourteen (14) days from the date of this Order. Signed on 5/14/13 by District Judge Greg Kays. (Francis, Alexandra)
IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF MISSOURI SOUTHERN DIVISION KENNETH D. WIVELL and TINA M. WIVELL, Plaintiffs, vs. WELLS FARGO BANK, N.A. d/b/a WELLS FARGO HOME MORTGAGE, et al., Defendants. ) ) ) ) ) ) ) ) ) ) ) ) Case No. 12-3457-CV-S-DGK ORDER DENYING MOTION TO REMAND This cases arises out of the foreclosure of Plaintiffs Kenneth and Tina Wivell's home. Plaintiffs allege that when they contacted Defendant Wells Fargo Bank, N.A. ("Wells Fargo") to discuss a loan modification, Wells Fargo informed them that they must stop making loan payments to be eligible for a modification but assured them that it would not foreclose upon them as a result. Plaintiffs contend they stopped making payments, applied for a modification, and diligently followed all of Wells Fargo's other instructions. Wells Fargo informed Plaintiffs in June of 2010 that they were not eligible for a loan modification. A few days later, the trustee on the deed of trust, Defendant Kozeny & McCubbin, L.C. ("Kozeny"), foreclosed. Plaintiffs are now suing Wells Fargo and Kozeny for unlawful foreclosure and other claims. Now before the Court is Plaintiffs' Motion to Remand (Doc. 22). 1 The motion is DENIED because Plaintiffs fraudulently joined Kozeny, the sole non-diverse defendant, to defeat 1 The Court has considered Plaintiffs' suggestions in support (Doc. 23); Wells Fargo's suggestions in opposition (Doc. 27); Plaintiffs' reply suggestions (Doc. 29); Wells Fargo's sur-reply (Doc. 32); and Plaintiffs' response to the sur-reply (Doc. 33). Defendant Kozeny did not file any briefs in connection with this motion but has filed a separate motion to dismiss (Doc. 10). removal. Standard of Review An action may be removed by the defendant to federal district court if the case falls within the district court's original jurisdiction. 28 U.S.C. § 1441(a). If the case is not within the court's original jurisdiction, the court must remand the case to the state court from which it was removed. 28 U.S.C. § 1447(c). To meet the requirements for diversity jurisdiction, the parties must be citizens of different states and the amount in dispute must exceed $75,000. 28 U.S.C. § 1332(a). Complete diversity between the parties is required; the presence of a single plaintiff who is from the same state as a single defendant destroys diversity and extinguishes a federal court's jurisdiction to hear the matter. Exxon Mobil Corp. v Allapattah Servs., Inc., 545 U.S. 546, 553 (2005). The burden of establishing federal jurisdiction is on the party seeking removal, In re Bus. Men's Assurance Co. of Am., 992 F.2d 181, 183 (8th Cir. 1993), and all doubts are resolved in favor of remand. Transit Cas. Co. v. Certain Underwriters at Lloyd's of London, 119 F.3d 619, 625 (8th Cir. 1997). Procedural Background On August 9, 2012 Plaintiffs, who are Missouri residents, filed this case in the Circuit Court of Pulaski County, Missouri against both Defendants, one of which, Kozeny, is a Missouri resident. Plaintiffs' petition ("the Petition") asserts claims against both Defendants for wrongful foreclosure, fraudulent misrepresentation, violation of the Missouri Merchandising Practices Act, civil conspiracy, negligence, and negligent misrepresentation. The Petition asserts two additional claims, for breach of fiduciary duty and unjust enrichment, solely against Kozeny. On October 17, 2012, Wells Fargo removed this case to federal court by invoking the 2 Court's diversity jurisdiction. The notice of removal asserts diversity jurisdiction exists because Kozeny was fraudulently joined, thus the Court should disregard Kozeny's citizenship, which is the same as Plaintiffs.2 The parties do not dispute that Kozeny is the only non-diverse defendant, and, if Kozeny's citizenship is disregarded, diversity jurisdiction exists. Discussion "Fraudulent joinder occurs when a plaintiff files a frivolous or illegitimate claim against a nondiverse defendant solely to prevent removal." In re Prempro Prod. Liab. Litig., 591 F.3d 613, 620 (8th Cir. 2010) (quoting Filla v. Norfolk S. Ry. Co., 336 F.3d 806, 809 (8th Cir. 2003)). The fraudulent joinder exception prevents the plaintiff from blocking removal by adding nondiverse defendants. Crockett v. R.J. Reynolds Tobacco Co., 436 F.3d 529, 533 (5th Cir. 2006). Joinder is fraudulent when there is no reasonable basis in fact or law for the plaintiff's claims against that defendant. In re Prempro, 591 F.3d at 620. For purposes of determining diversity, the court ignores the citizenship of any fraudulently joined defendant. See id. I. Kozeny's citizenship should be ignored with respect to Plaintiffs' wrongful foreclosure claims. Count I of the Petition asserts a wrongful foreclosure claim against both Defendants and seeks both damages and equitable relief. Pet. at ¶¶ 59-60. Although labeled as one count, read in the light most favorable to the Plaintiffs, Count I asserts two separate causes of action: A tort for 2 The notice of removal states Kozeny consents to removal, but it is not signed by Kozeny's attorney. In their reply brief, Plaintiffs argue for the first time that the absence of an attorney's signature is fatal to the notice and mandates remand. As a threshold matter, the Court will not consider Plaintiff's argument because it was raised for the first time in their reply brief. Elam v. Denney, No. 4:09-CV-00308-DGK, 2010 WL 3526279, at *8 n.3 (W.D. Mo. Sept. 3, 2010). Even if the Court considered this argument, it would hold it meritless because a fraudulently joined party need not consent to removal. Simpson v. Niagara Mach. and Tool Works, 05-1122-CV-W-FJG, 2006 WL 181954, at *3 n.1 (W.D. Mo. Jan. 24, 2006). Therefore, for purposes of deciding this motion to remand, the Court need only determine whether Kozeny is fraudulently joined. Id. 3 wrongful foreclosure and a separate, equitable action for wrongful foreclosure. Missouri law recognizes these related claims as distinct causes of action. See Dobson v. Mortg. Elec. Registration Sys, Inc./GMAC Mortg. Corp., 259 S.W.3d 19, 22 (Mo. Ct. App. 2008) (discussing differences between the two actions). A plaintiff asserting a wrongful foreclosure claim for damages must "plead and prove that when the foreclosure proceeding was begun, there was no default on its part that would give rise to a right to foreclose." Spence v. JPMorgan Chase Bank, N.A., No. 11-3185-DV-S-RED, 2011 WL 4733445, at *1 (W.D. Mo. October 5, 2011) (quoting Fields v. Milsap and Singer, P.C., 295 S.W.3d 567, 571 (Mo. Ct. App. 2009)). A plaintiff asserting an equitable claim does not have to prove that he was not in default, only that the sale was void or voidable.3 Dobson, 259 S.W.3d at 22. Plaintiffs cannot maintain a tort claim against Kozeny because, as the Petition concedes, around March 2009 Plaintiffs stopped making payments on their loan. Pet. at ¶¶ 15-17. Thus, Plaintiffs were in default on the loan which gave Wells Fargo a right to foreclose. Plaintiffs attempt to salvage their claim by asserting they "were not truly in default" because Defendants "lulled and misled them." Pet. at ¶¶ 51-52. This attempt is futile. Plaintiffs cite no authority, nor can the Court find any, recognizing an exception to the "no default" rule for a party who has allegedly been "lulled" or "mislead" into default by a lender. 4 Consequently, there is no 3 Typically, a sale is void if the sale did not comply with the procedures outlined in the deed of trust. For example, if a homeowner is not given appropriate notice of a foreclosure sale, the sale may be void. 4 The Court also declines to create such an exception. Such an exception would quickly swallow the rule since any unscrupulous debtor could claim that the lender did or said something that "lulled" the debtor into default. This exception is also unnecessary, since a debtor who has been misled by a lender already has a remedy available, namely an action for fraud. Peterson v. Kansas City Life Ins. Co., 98 S.W.2d 770, 773-74 (Mo. 1936). Finally, creating an exception which facilitates debtors' ability to litigate a non-judicial foreclosure involves policy choices that are the province of the legislative branch of government. 4 reasonable basis in fact or law supporting this claim against Kozeny, so the Court ignores Kozeny's citizenship for purposes of determining diversity with respect to this claim. The Court reaches the same conclusion with respect to Plaintiff's equitable claim for wrongful foreclosure. As a threshold matter, the Court notes Plaintiffs have failed to plead any facts from which the Court could infer the foreclosure sale was void or voidable, thus they have not established a colorable claim. But, even if they had pled such facts, the Court could not consider Kozeny's citizenship with respect to this claim. Under Missouri law, as a trustee of a deed of trust, Kozeny is a nominal party in an equitable foreclosure claim, thus the court ignores its citizenship in determining whether diversity jurisdiction exists. Caranchini v. Kozeny & McCubbin, LLC, No. 4:11-CV-0464-DGK, 2011 WL 5921364, at *3 (W.D. Mo. Nov. 28, 2011). Nominal parties are those who lack a real interest in the result of the suit or an ownership interest in the property at issue, such as a party that is merely the holder of the stakes between the plaintiff and defendant. Id. Missouri law provides that in an action affecting a deed of trust, the trustee of the deed of trust is a nominal party because it is a mere stake holder in the dispute between the real parties in interest, the creditor and the debtor. Id. In determining whether diversity exists, a federal court disregards the nominal parties and rests jurisdiction upon the citizenship of the real parties in interest. Navarro Sav. Ass'n v. Lee, 446 U.S. 458, 460-61 (1980). In the present case, as trustee on the deed of trust, Kozeny is a nominal party so the Court ignores its citizenship in analyzing diversity. II. Plaintiffs have no colorable fraudulent misrepresentation claim against Kozeny. Count II asserts a fraudulent misrepresentation claim against both defendants. 5 The elements of fraudulent misrepresentation are: (1) a false, material representation; (2) the speaker's knowledge of its falsity or his ignorance of the truth; (3) the speaker's intent that it should be acted upon by the hearer in the manner reasonably contemplated; (4) the hearer's ignorance of the falsity of the representation; (5) the hearer's reliance on its truth; (6) the hearer's right to rely thereon; and (7) the hearer's consequent and proximately caused injury. Crossland Constr. Co., Inc. v. Alpine Elec. Constr. Inc., 232 S.W.3d 590, 592-93 (Mo. Ct. App. 2007). With respect to the first element, the Petition alleges that Kozeny made false, material representations to Plaintiffs that it "worked for" Wells Fargo, that it had no information about Plaintiffs' situation, and that it could not help them stop the foreclosure process or keep their home. Pet. at ¶ 63. With respect to the fifth element, however, the Petition alleges only that "Plaintiffs did in fact rely on Defendants' false and misleading representations." Pet. at ¶ 51. Wells Fargo argues, and Plaintiffs do not dispute, that this allegation fails to meet the basic pleading standard of Rule 8 and the heightened pleading standard for fraud required by Rule 9(b) because it does not explain how Plaintiffs relied on Kozeny's statements. As a threshold matter, Plaintiffs have conceded this point by failing to respond to it. Hale v. Vilsack, No. 11-CV-0591-W-FJG, 2012 WL 6645654, at *4 n.1 (W.D. Mo. Dec. 20, 2012). But even if Plaintiffs had disputed this point, the allegation would still be insufficient. Rule 8 requires a petition include "enough facts to state a claim to relief that is plausible on its face." Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 570 (2007). "A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). As the Eighth Circuit has observed, Rule 8 "requires more than labels and 6 conclusions, and a formulaic recitation of the elements of a cause of action will not do." Benton v. Merrill Lynch & Co., Inc., 524 F.3d 866, 870 (8th Cir. 2008). In the present case, the assertion that "Plaintiffs did in fact rely on Defendants' false and misleading representations" is too conclusory to pass scrutiny under either Rule 8 or Rule 9(b). The assertion does not even mention Kozeny, much less explain how Plaintiffs relied on Kozeny's statement(s). Accordingly, the Court finds Plaintiffs fraudulently joined Kozeny to Count II. III. Plaintiffs have no colorable MMPA claim against Kozeny. Count III alleges both Defendants violated the Missouri Merchandising Practices Act ("MMPA"). In relevant part, the MMPA prohibits [t]he act, use or employment by any person of any deception, fraud, false pretense, false promise, misrepresentation, unfair practice or the concealment, suppression, or omission of any material fact in connection with the sale or advertisement of any merchandise in trade or commerce . . . whether committed before, during or after the sale, advertisement or solicitation. Mo. Rev. Stat. 407.020.1 (emphasis added). The Petition alleges that Kozeny violated the MMPA "with regard to the sale of Plaintiffs' home." Pet. at ¶ 77 (emphasis added). It claims Kozeny employed unfair, deceptive and misleading practices by providing false and misleading information regarding its relationship with Wells Fargo, suggesting it had no access to information about Plaintiffs' loan, by categorically refusing to aid or assist Plaintiffs in any way, and by failing to carry out its duties as Trustee. Pet. at ¶ 79. Wells Fargo argues Kozeny cannot be liable under the MMPA because it was not a party to the initial transaction here, which was Plaintiffs' 2006 purchase of their home. But Wells Fargo 7 misreads the Petition. Read in the light most favorable to Plaintiffs, the Petition does not allege that Kozeny violated the MMPA with respect to the purchase of Plaintiffs' home in 2006; rather, it alleges Kozeny violated the MMPA in connection with the foreclosure sale of Plaintiffs' home in 2010. Plaintiffs are arguably alleging two separate transactions and with separate MMPA violations. Plaintiffs clearly do not have a claim against Kozeny in connection with the 2006 transaction.5 However, even assuming for the sake of argument that the 2010 foreclosure is a separate transaction under the MMPA, 6 Plaintiffs do not have a colorable MMPA claim in connection with the foreclosure. To establish a prima facie MMPA claim, a plaintiff must allege that he (1) purchased or leased merchandise; (2) primarily for personal, family or household purposes; and (3) thereby suffered an ascertainable loss of money or property, real or personal; (4) as a result of the defendant's use of one of the methods or practices declared unlawful by Section 407.020. Mo. 5 It is firmly established that an MMPA claim cannot be brought against an entity that was not a party to the initial loan transaction but subsequently forecloses on the loan. See, e.g., Ball v. Bank of New York, No. 4:12-CV-0144-NKL, 2012 WL 6645695, at *5-6 (W.D. Mo. Dec. 20, 2012) (holding defendants who were strangers to the initial loan transaction, but subsequently foreclosed on the property, cannot be liable under the MMPA because their actions were not sufficiently connected with any sale or advertisement); State ex. rel. Koster v. Portfolio Recovery Assocs., LLC, 351 S.W.3d 661 (Mo. Ct. App. 2011) (holding a debt collector who was not a party to the original loan transaction could not be sued under the MMPA). As the Missouri Court of Appeals has noted, the MMPA's "before, during or after the sale" language applies to deceptive or unfair post-sale conduct only when such conduct directly relates to the initial sale or advertisement of merchandise. Koster, 351 S.W.3d at 667. In the present case, the Petition alleges Plaintiffs closed on their loan in February of 2006, but Kozeny was not appointed a trustee until November 4, 2009 and did not have any contact with Plaintiffs until April of 2010. Pet. at ¶¶ 11, 41, 109. Because Kozeny was not a party to the 2006 transaction, it cannot be liable under the MMPA for any misstatements related to the 2006 transaction. 6 Several courts, including this one, have rejected similar attempts by plaintiffs to create an MMPA claim by arguing that the relevant transaction is not the initial loan but a subsequent event, such as an effort by a loan servicer to collect payments on a loan, or an attempt by a subsequent holder of the promissory note to foreclose. See, e.g., Barnes v. Fed. Home Loan Mortg. Corp., No. 5:12-CV-06062-DGK, 2013 WL 1314200, at *7 (W.D. Mo. March 28, 2013); Ball, 2012 WL 6645695, at *6. These courts reason that subsequent actions "cannot reasonably be viewed as separate transactions under the [MMPA] because they are conditions bargained for in the Plaintiffs' original creation of the mortgage note—a transaction to which these Defendants were strangers." Ball, 2012 WL 6645695, at *6. Similarly, in the present case, the foreclosure proceeding is not a separate event; it is a foreseeable consequence of Plaintiffs' default that was bargained for in 2006. 8 Rev. Stat. § 407.025.1; Owen v. Gen. Motors Corp., 533 F.3d 913, 922 (8th Cir. 2008). Plaintiffs cannot satisfy the first element in connection with the 2010 foreclosure because they did not purchase or lease anything. Being foreclosed upon is not purchasing or leasing merchandise; it is not even analogous to purchasing or leasing merchandise. Foreclosure is a legal proceeding for the termination of a mortgagor's interest in property. Black's Law Dictionary 674 (8th ed. 1999). Consequently, Plaintiffs have no colorable MMPA claim against Kozeny. IV. There is no colorable conspiracy claim against Kozeny. Count IV asserts a state law civil conspiracy claim against both defendants. To allege a civil conspiracy claim under Missouri law, the plaintiff must plead facts from which the Court can reasonably infer that: (1) two or more persons; (2) with an unlawful objective; (3) after a meeting of the minds; (4) committed at least one act in furtherance of the conspiracy; and (5) which injured the plaintiff. Moses.com Sec. Inc. v. Comprehensive Software Sys, Inc., 406 F.3d 1052, 1063 (8th Cir. 2005) (citing Phelps v. Bross, 73 S.W.3d 651, 657 (Mo. Ct. App. 2002)). With respect to the "meeting of the minds" element, Plaintiffs allege only that Kozeny and Wells Fargo "agreed to pursue this unlawful purpose after a meeting of the minds, based on communications between the two Defendants." Pet. at ¶ 85. This assertion is patently conclusory and insufficient to state a colorable civil conspiracy claim against Kozeny. Moses.com Sec. Inc., 406 F.3d at 1063-64 (8th Cir. 2005). V. There is no colorable negligence claim against Kozeny. Count V, Plaintiffs' state law negligence claim brought against both Defendants, also fails as a matter of law. The elements of a negligence claim are: "(1) the existence of a duty to conform to a certain standard of conduct to protect others against unreasonable risks, (2) breach of the duty, 9 (3) proximate cause, and (4) actual damages." Ivey v. Nicholson-McBride, 336 S.W.3d 155, 157 (Mo. Ct. App. 2011). With respect to the duty elements, Plaintiffs allege "Kozeny, acting as trustee, had assumed a duty and responsibility for overseeing the servicing of Plaintiffs' loan," and "Kozeny breached its duty of care by providing false and misleading information regarding its relationship with Wells Fargo, [when it] suggest[ed] it had no access to information about Plaintiffs' loan, and by categorically refusing to aid or assist Plaintiffs in any way." Pet. at ¶¶ 93, 97. "The duties and powers of a trustee are fixed by the terms of the contract, namely, the deed of trust." Spires v. Edgar, 513 S.W.2d 372, 378 (Mo. banc 1974); see also Caranchini, 2011 WL 5921364, at *4 (noting the deed of trust defines a trustee's duties). Accordingly, any duty Kozeny owed to Plaintiffs must be set forth in the deed of trust. Paragraph 22 of the deed of trust defines these duties as: (1) mailing notice of sale to the borrower; (2) advertising the sale; (3) selling the property at auction to the highest bidder for cash; (4) delivering the trustee's deed to the purchaser; and (5) properly applying the proceeds of the sale. Pet. Exh. A at 13. The deed of trust contains no language imposing a duty on Kozeny to oversee the servicing of Plaintiffs' loan or access information concerning Plaintiffs' loan. Pet. Exh. A at 13. Since the Petition fails to identify any duty Kozeny could have breached, it fails to state a claim for negligence against Kozeny. Spires, 513 S.W.2d at 378, 380 (holding that plaintiffs failed to state a claim against the trustee on the theory that "the trustee owed plaintiffs a duty, when directed to foreclose, to make an affirmative investigation, presumably by inquiry from plaintiffs, and thus to find out whether plaintiffs claimed that they were not delinquent and the factual reasons for their claim," and noting that no court had found a trustee "liable in damages for a failure to make an investigation of the 10 default before foreclosure"). VI. There is no colorable negligent misrepresentation claim against Kozeny. Count VI asserts a claim for negligent misrepresentation against both Defendants. The elements of a negligent misrepresentation claim are: (1) the speaker supplied information in the course of his business or because of some other pecuniary interest; (2) due to the speaker's failure to exercise reasonable care or competence in obtaining or communicating this information, the information was false; (3) the speaker intentionally provided the information for the guidance of a limited group of persons in a particular business transaction; (4) the listener justifiably relied on the information; and (5) as a result of the listener's reliance on the statement, the listener suffered a pecuniary loss. Harris v. Smith, 250 S.W.3d 804, 808 (Mo. Ct. App. 2008). The Petition alleges Kozeny represented to "Plaintiffs that it 'worked for' Wells Fargo, that it had no information about Plaintiffs' loan, and that it could not aid or assist Plaintiffs in any way, and failed to provide any information or assistance to Plaintiffs." Pet. at ¶ 102. It also makes conclusory allegations concerning several other elements. For example, it claims "Defendants failed to exercise reasonable care in ensuring that the information it represented to Plaintiff was true and accurate." Pet. at ¶ 103. And that, "[a]s a result of Defendants' failure to exercise reasonable care, and the fact that Defendants were acting negligently, Defendants' representations as described in this Court were false and misleading." Pet. at ¶ 104. With respect to the fourth and fifth elements, Plaintiffs allege they "justifiably relied on Defendants' false representations in applying for loan modifications, making payments, and in deciding what actions to pursue (or not pursue) in relation to the foreclosure process." Pet. at ¶ 105. Wells Fargo argues, and Plaintiffs do not dispute, that Plaintiffs failed to plead the requisite 11 connection between their reliance on any of Kozeny's statements and their loss. There is no allegation that by relying on any of Kozeny's misrepresentations Plaintiffs were somehow dissuaded from making mortgage payments they otherwise would have made and so defaulted on their loan. While facts in the Petition might support an analogous claim against Wells Fargo, no facts support this claim against Kozeny. Accordingly, Count VI fails to state a colorable claim against Kozeny. VII. There is no colorable breach of fiduciary duty claim. Count VII asserts a breach of fiduciary duty claim against Kozeny only. Under Missouri law, the proponent of a breach of a fiduciary duty tort claim must establish four elements: (1) the existence of a fiduciary relationship between the parties; (2) breach of that duty; (3) causation; and (4) harm. Zakibe v. Ahrens & McCarron, Inc., 28 S.W.3d 373, 381 (Mo. Ct. App. 2000). The law recognizes that a fiduciary relationship exists between the trustee of a deed of trust and both the debtor and creditor. Killion v. Bank Midwest, N.A., 987 S.W.2d 801, 813 (Mo. Ct. App. 1998). The trustee is "the agent of both the debtor and creditor and should perform the duties of the trust with impartiality and integrity." Id. When requested by the creditor to foreclose, "the trustee may proceed without making any affirmative investigation unless the trustee has actual knowledge 'of anything which should legally prevent the foreclosure.'" Id. (quoting Spires, 513 S.W.2d at 378). The Petition alleges Kozeny breached its fiduciary duty to Plaintiffs by: a. failing to investigate the questionable circumstances surrounding the foreclosure despite having actual knowledge of circumstances that would legally prevent foreclosure; b. failing to consider evidence that would have prevented 12 foreclosure; c. representing that it 'worked for' Wells Fargo; d. failing to disclose to Plaintiffs any information that prevented it from serving as a neutral; e. falsely representing that it had no information regarding Plaintiffs' loan; f. refusing to aid or assist Plaintiffs in any way; g. selling Plaintiffs home despite the clear lack of legal right to do so; [] h. accepting trustee's fees in the foreclosure sale of Plaintiffs' [home; and] i. failing to obtain basic information justifying foreclosure, including that: i. the actual note holder is the party initiating foreclosure; ii. the note holder has authority to act pursuant to the deed of trust; iii. the party appointing a successor trustee had the authority to do so; and iv. the party initiating foreclosure is not known to provide inaccurate or false information, either intentionally or negligently.7 Pet. at ¶ 112. These assertions fall into two categories: (1) allegations c, e, f, h, and i, which as a matter of 7 This allegation is unclear. Perhaps Plaintiffs meant to assert that the party being foreclosed upon is not known to have provided inaccurate or false information. 13 law do not establish a breach of fiduciary duty; and (2) allegations a, b, d, g, and i, which assert legal conclusions without sufficient factual support in the Petition to be colorable. The former are not supported by any legal authority or persuasive reasoning. Although Plaintiffs have filed three briefs, they have provided no caselaw or analysis explaining how Kozeny's conduct here breached its fiduciary duty as a trustee under Missouri law. The latter are not colorable claims under Rule 8 and Iqbal. For example, with respect to the claim that Kozeny failed to investigate despite having "actual knowledge of circumstances that would legally prevent foreclosure," the Petition does not specify what information Kozeny allegedly possessed which legally prevented foreclosure. On the contrary, the Petition acknowledges that Plaintiffs were in default on the loan. Thus, absent some procedural defect in the sales process, Kozeny had a legal right to foreclose. See Killion, 987 S.W.2d at 813 (holding judgment for trustee was appropriate because plaintiffs failed to "provide a legal basis for preventing the institution of the foreclosure proceedings, considering that the [plaintiffs] were in default and [the defendants] had the right to foreclose under the deed of trust."). Accordingly, there is no colorable claim here for breach of fiduciary duty against Kozeny. VIII. Plaintiffs cannot maintain an equitable enrichment claim against Kozeny. Finally, Count VIII8 of the Petition asserts a claim against Kozeny for unjust enrichment. It contends that had Kozeny not acted illegally or improperly foreclosed on Plaintiffs, it would not have received fees from them in connection with the foreclosure sale. Consequently, the viability of Plaintiffs' unjust enrichment claim rests upon them showing Kozeny acted unlawfully, that is, they are liable on at least one other claim. Because the Court has held that Counts I – VII fail to 8 The Petition captions this claim "Count X." This is obviously a typographical error. 14 state any colorable claims against Kozeny, Plaintiffs cannot show Kozeny acted unlawfully and therefore have no colorable claim for unjust enrichment against Kozeny either. Conclusion For the above stated reasons, the Court finds Kozeny was fraudulently joined, therefore Kozeny's citizenship is irrelevant for purposes of determining whether diversity jurisdiction exists. Accordingly, the Court DENIES Plaintiffs' motion to remand (Doc. 22). Additionally, the Court LIFTS THE STAY imposed by Judge Dorr's Order dated December 18, 2012 (Doc. 28). Any response to Defendants' pending motions to dismiss (Docs. 10, 16) shall be due within fourteen (14) days from the date of this Order. IT IS SO ORDERED. Date: May 14, 2013 /s/ Greg Kays GREG KAYS, JUDGE UNITED STATES DISTRICT COURT 15


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Farrell talks Hanrahan, Bailey, bullpen and roles - 3 Comments
John Farrell is wasting no time bringing order to the Red Sox.
On the same day the team acquired Joel Hanrahan from the Pirates, Farrell informed Hanrahan's fellow two-time All-Star closer Andrew Bailey that he will enter spring training as a setup man.
The decision was more about what Hanrahan does well than anything Bailey has done poorly, and Farrell felt it important to be up front with both players from the get-go.
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South Dakota Director of Insurance
|South Dakota Director of Insurance
|General information
|Office Type:
|Office website:
|Official Link
|2013 FY Budget:
|Term limits:
|Selection Method:
|Appointed by Governor
|Current Officeholder
|Merle Scheiber
|Assumed office:
|August 8, 2005
|Other South Dakota Executive Offices
|Governor • Lieutenant Governor • Secretary of State • Attorney General • Treasurer • Auditor • Superintendent of Education • Agriculture Commissioner • Insurance Commissioner • Commissioner of School and Public Lands • Natural Resources Commissioner • Labor Commissioner • Public Service Commission
Current officeholder
Merle Scheiber is the current Director of Insurance; Marcia Hultman is the current interim Secretary of Labor and Regulation.
The South Dakota Director of Insurance's powers, term of office, etc. are derived from Title 58, Chapter 2 of the South Dakota Statutes.
Article X, Section Y:
|58-2-1.1. Department as Division within Department of Labor and Regulation--Direction and supervision by department--Independent functions retained by division.
58-2-2.1. Appointment of director--Removal.
Title 58, Chapter 2, Section 3 of the South Dakota Statutes establishes the qualifications of the office:
|58-2-3. Qualifications of director.
- either five years experience in insurance businesses regulated by the Division of Insurance;
- or, professional and business experience that equips him or her to fulfill the director's responsibilities.
The director of insurance and the secretary of labor are both appointed by the governor.[4]
Note: Ballotpedia's state executive officials project researches the constitutional or statutory text that details the process of filling vacancies for a state executive office. That information for the South Dakota Director of Insurance has not yet been added. After extensive research we were unable to identify any relevant information on state official websites. If you have any additional information about this office for inclusion on this section and/or page, please email us.
The mission of the insurance division is to "protect the public and make insurance available and affordable by:
- efficiently providing quality assistance,
- providing fair regulation for industry, and
- promoting a healthy, competitive insurance market"[5]
The division of insurance is divided into three main sections:[6]
State budget
The budget for the Division of Insurance in Fiscal Year 2013 was $ 4,781,056.[7]
- See also: Compensation of state executive officers
In 2012, the director of insurance was paid an estimated $83,015. This figure comes from the Council of State Governments.
In 2010, the South Dakota Director of Insurance was paid an estimated $83,015 according to the Council of State Governments.[8]
Historical officeholders
Note: Ballotpedia's state executive officials project researches state official websites for chronological lists of historical officeholders. That information for the South Dakota Director of Insurance has not yet been added because the information was unavailable on the relevant state official websites, or we are currently in the process of formatting the list for this office. If you have any additional information about this office for inclusion on this section and/or page, please email us.
Recent news
This section displays the most recent stories in a google news search for the term "South Dakota" + Director + of + Insurance
- All stories may not be relevant to this page due to the nature of the search engine.
"South+Dakota"+Director+of+Insurance&um=1&ie=UTF-8&output=rss South Dakota Director of Insurance News Feed
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Contact information
South Dakota Division of Insurance
445 East Capitol Avenue
Pierre SD, 57501
Phone: (605) 773-3563
Fax: (605) 773-5369
See also
- Insurance Commissioner
- Merle Scheiber
- South Dakota Secretary of Labor
- Pamela Roberts
- South Dakota state executive offices
External links
- ↑ South Dakota Statutes, "Title 58, Chapter 2, Section 1.1," accessed August 2, 2013
- ↑ South Dakota Statutes, "Title 58, Chapter 2, Section 2.1," accessed August 2, 2013
- ↑ South Dakota Statutes, "Title 58, Chapter 2, Section 3," accessed August 2, 2013
- ↑ South Dakota Legislature, "South Dakota Codified Laws Chapter 1-37-1," Accessed December 26, 2012
- ↑ dlr.SD.gov, "Division of insurance," accessed October 24, 2011
- ↑ South Dakota Department of Labor and Regulation "Insurance Division" Accessed February 4, 2013
- ↑ South Dakota Bureau Finance and Management, "Budget in Brief FY 2013," accessed April 8, 2013
- ↑ The Council of State Governments,"The Book of States 2010 Table 4.11," retrieved May 14, 2011
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South Dakota State Constitution | House of Representatives | Senate | Legislative Research Council | Auditor General |
|State executive officers
Governor | Lieutenant Governor | Attorney General | Secretary of State | Treasurer | State Auditor | Secretary of Education | Director of Insurance | Secretary of Agriculture | Secretary of Environment and Natural Resources | Secretary of Labor | Chairman of Public Utilities |
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South Dakota Supreme Court | Judicial nomination process | Judicial news | Judicial activist organizations |
|Transparency Topics
Sunshine Law | Open Records procedures | Transparency Advocates | Transparency blogs | State budget | Taxpayer-funded lobbying associations |
State |
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It's an age-old argument—and one that can get heated. So, what are the real rules of submission in marriage? read more
Charisma Magazine
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What Are the Best Investments You Can Make?
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The 6 Ws of Men's Discipleship
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Bible Scholar: The NEW Date for Christ's Return
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Why I Don't Tell My Children About Santa
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10 Rites of Passage to Spiritual Influence and Authority
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La Maison d'Espagne. Francia
La Maison d'Espagne
Rue Mignet 7 ter et 9
13100 Aix en Provence
Rue Mignet 7 ter et 9
13100 Aix en Provence
(+34) 91 542 72 51
Our customer service timetables are:
In Spanish, French and English:
Monday to Friday from 10 am to 1:30 pm and from 16:30 pm to 8 pm and Saturdays from 10 am to 2 pm. (GMT + 1)
In Japanese:
Saturdays 10h-14h. (GMT +1) or by e-mail at japan[at]flamencoexport.comBank holidays in 2014: January 1st and 6th, April 17th and 18th, May 1st, 2nd and 15th, June 19th, Agust 15th, November 1st and 10th, December 6th, 8th and 25th.
La peña flamenca de Hebden Bridge
The Dusty Miller Pub
Burnley Road
Mytholmroyd, HX7 5LH
01422 885959


text:
Oh Life, you and your sneaky ways. I'm glad I give you so much to laugh about in our endless dialog.
Me: "I've worked so hard. I'm never not working. I'm almost there, just a few more turns up the mountain before I reach the top and have You all figured out."
You: unable to speak through howling laughter
One of the things about breaking down walls, old habits, old beliefs, old identities and old stories is that you have to be prepared to sit with what's on the other side.
And what exactly would that be?
Big. Fat. Nothing.
And what I mean by that is that underneath all the old stories, thoughts, patterns and perceived pain that we invite into our daily lives is…drum roll…The Present Moment.
I know, I know. That's the thing that we spiritual seekers are told is the Mecca of our journey. It's the holy grail. It's the pot of gold at the end of a freaky fucking rainbow.
Well, let me tell you, first hand, at least initially it's not all that it's cracked up to be. Because when you've torn everything down, torched it all, there is a huge wide open space. Bigger than you can imagine. That's great, right?
Well, sort of.
Because when you no longer have the option to use old stories as your identity, that means you can no longer can use the old stories as an excuse not to be your truest self. The past now is no longer relevant. And if you are calling yourself out on your shit and letting go of bad habits, that means you no longer can call up your bad habits to go for a round or two. Which means you can throw distractions out the window, so you have to be…your truest self. And if you are embracing total trust and faith (as I have, completely), that means all fear naturally drops away. Gone. Which means that when you think about the future, there is really nothing to be afraid of, so you can't fall back on the debilitating 'what if' either.
Which means that you are pretty much right here, right now. Which is not really all it's cracked up to be. At least not initially, though I sense it can only get better from here.
Because when you've spent your entire life (even in some small way) blaming the past (and living there), worrying about the future (and living there), you have never…actually…ever FULLY been here now. At least not for more than a quick visit here and there.
And, now, speaking from personal experience, being here in the moment is a kind of peaceful, normal, basic, everyday experience. Which feels kind of confronting. Because when you are used to the drama and turmoil of always having a problem to solve, a goal to reach, a person to blame, or a worry about the future – and all of that vanishes – you get to inhabit YOURSELF fully, which is the most expansive, mysterious, beautiful, hi-nice-to-meet-you-I've-never-fully-known-you places to be.
I know I'm meant to be here. I know this is 'all I've worked for.' But now I'm feeling naked without my old identity to insulate me. There is no veil, no place to go, nothing to do. Just be.
Which, I suppose is a perfect metaphor for spring…entering the garden with nothing but your own skin, plucking flowers, dipping a toe in the river, finally feeling around for what this whole thing is really about.


text:
Tips To Get Your Children Interested In Science
Small kids are often not willing to learn Science. They feel that it's quite boring and uninteresting, in fact it is also difficult to understand their science text book. Because of this, a lot of parents are trying to find good approaches to make science interesting for their kids.
Take a look at some concepts below and try that together with your kids. You will find that it is not difficult and also effective.
Currently, there are lots of science activities that you can buy. Many kids love playing games like puzzles, crosswords and also 'fill in the blanks'. Kids are able to choose any type of games to start playing with. No matter how the kids choose to play the science games, they may be still in the position to understand their science lessons efficiently. These types of games are literally designed for different age ranges of kids.
Science video tutorials for kids are certainly one more quite effective method to guide a kid to learn Science. These types of video tutorials have high quality of sound and pictures, together with their fun method of connection, studying using these video tutorials is obviously interesting. Video tutorials can be found on a large number of topics, you can actually choose any specific topic to start learning with.
Finally, experiment is the most popular approach which I utilize to assist kids to learn science. You can easily set up small science experiments at your home. Think about anything you enjoyed working on in science as being a kid. Almost certainly, you'll be able to remember the exciting experiments which usually your science teacher allowed you to conduct! For getting your kids interest in this science lessons, spending some time carrying out a few simple experiments, that can make them laugh and having a fun time.
Getting your kid interested in science can often be easy and worthwhile. Spend some time to discover the world together with all of them. Also, ask questions and allow them to try to find their own answers too. Should you actually have no time to support your kids, hire a private teacher to conduct science tuition for the kids. It is another smart choice for your kid to improve their science grade further.


text:
As of ET on .
Western Asset New York Tax Free Money Market Fund is an open-end fund incorporated in the USA. The Fund's objective is to provide high levels of current income exempt from federal income tax and New York personal tax. The Fund invests at least 80% of its assets in high quality municipal obligations, or other interests in these obligations issued by financial institutions.


text:
Calhoun Community College has received notification from the U.S. Department of Health and Human Services (HHS) of funding for the Scholarships for Disadvantaged Students (SDS) program. The College will receive a total of $500,000 over a 4-year period to fund scholarships for eligible students enrolled in the Associate Degree Nursing program.
According to Dr. Debi Hendershot, dean for Calhoun's Planning, Research and Grants Department, the only requirements for students to be eligible is that they must have a documented unmet need which is determined by the FAFSA (Free Application for Federal Student Aid); be from a disadvantaged background; and be enrolled in the college's Associate Degree nursing program as a full-time student.
"We are extremely pleased to once again be selected as a recipient of the SDS grant," commented Hendershot. "This additional support for our Nursing students is a definite 'shot in the arm' as they pursue their degree," Hendershot added. Calhoun has received funding from the SDS program since 2005.
The scholarships will be awarded to full-time Associate Degree Nursing students for the Fall and Spring semesters. The amount each eligible student will receive varies depending on the documented unmet financial need. Based on the grant requirements, students enrolled in the college's Licensed Practical Nursing (LPN) program are not eligible.
For more information, please contact Dr. Debi Hendershot (256) 306.2581.
© 2014 Calhoun Community College
P.O. Box 2216, Decatur, AL 35609
1-800-626-3628 (toll-free in Alabama)
Decatur Campus
6250 Hwy. 31 North, Tanner, AL 35671
Telephone: (256) 306-2500
Huntsville Campus
Address: 102 Wynn Dr NW, Huntsville, AL 35805
Telephone: (256) 890-4700
Education site powered by In10sity
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text:
Experience this space on your internet browser. Click in top of the image, this will take you to the panoramic view, zoom in or out by scrolling the mouse. you can see the floor plan if you click the icon in the top left, you'll be also be able to see the space from different points, which will be marked with arrows in this window.
hope you enjoy. comments are welcome if you like it.


text:
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June 2000, pp. 43-53
American financial aid to Israel began in 1949 with a $100,000 trade loan and peaked in the mid-1990s at over $5 billion a year in grants and loans. Over fifty years, the total in grants and loans has amounted to $79 billion. Is the continuation of aid to Israel a good idea? If so, for how long should it go on? What criteria should it meet? Does an aid package of some $17 billion to help smooth the way for a peace treaty with Syria make sense? To assess these matters, the Middle East Quarterly invited four analysts: Patrick Clawson is senior editor of the Quarterly; Ester Kurz is legislative strategy director of the American Israel Public Affairs Committee (AIPAC); Gwendolyn Mikell is a senior fellow for Africa at the Council on Foreign Relations; and Hillel Fradkin is resident scholar at the American Enterprise Institute. Robert Satloff, executive director of the Washington Institute for Near East Policy, moderated the discussion. They met in Washington on March 17, 2000.
Related Topics: Israel & Zionism, US policy | June 2000 MEQ
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©1994-2014 The Middle East Forum E-mail: info (at) meforum (dot) org Tel: 1 (215) 546-5406Daniel J. Pipes


text:
Flickr CC Attribution Helper
is was a browser script that adds content to any flickr page for photos that are shared under creative commons licenses. It provides two different cut and past attribution texts. The first is designed for blogs and includes the flickr URL to embed the image; the second is a text string suitable for adding to presentations or other media.
As of March 25, 2014 flickr's final switchover to their new design has rendered my scripts useless, and I am doubtful it will ever work again. If this matters, than vote for my idea.
Who need's em? I've just created a new tool that does the same thing, but via a Bookmarklet tool. Just go to http://cogdog.github.io/flickr-cc-helper/, and drag the link for the tool button to your tool bar.
When viewing a flickr creative commons licensed image, click the bookmark and an attribution script will appear in a small window:
As a bonus, this should work in any web browser (well, IE is always a random chance of anything working).
The bookmark tool calls on a github hosted web tool to do the work; if you want to customize it anyway, and/or run the tool on your own server (it's just an HTML page with some jquery/javascript), get your copy at https://github.com/cogdog/flickr-cc-helper
These scripts are now dead. Way to go, yahoo.
Google Chrome — available in the Chrome store. Typically extensions update themselves in a few hours of an update, but you can force updates it by going to Window – Extensions (Mac OSX) Tools – Extensions, making sure Developer Mode is checked, and click "Update Extensions" Firefox — available as a Greasemonkey script – can update in place to newest version. Safari — not yet available as an extension, but I have installed the Firefox script using GreaseKit
This was how it worked in the old days, before Yahoo made it impossible:
Other tools you may want to look at include:
- Open Attribute works for all creative commons licensed content
- Photos For Class find cc licensed images and download a version with attribution added directly to the image.
- ImageCodr
- Attributr bookmarklet
- John Johnston's flickr CC Search and Stamp
- flickr show cc attribution bookmarklet (does not seem to work with flickr redesign of 2014)
- Kevin is a picture attributer made by Pat Lockley
by CogDogBlog, unless otherwise expressly stated, is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


text:
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Klamath Falls (Ore.) Officer Mike Nork does an excellent job during an encounter with an open carry citizen.
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Police have released 911 calls and footage of a tense May 4 standoff between an open-carry advocate and officers
The National Rifle Association has rolled back an earlier statement criticizing "open carry" rallies in Texas
The advocates' actions in restaurants and other public places have prompted public criticism
Group jumping into the already heated disagreement between the BLM and Texas landowners along the border with Oklahoma


text:
Journaling ideas since 2003
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The Galactic Empire Wants You To Say 'No' To May The 4th
For 'Star Wars Day' tomorrow, The Galactic Empire has issued an attack ad, urging citizens to forgo the festivities of May the 4th.
In the video, it speaks of how the Jedis and Rebels are "traitors to the Empire"—including those that celebrate the 4th.
It also highlights how the 'Force' is used for "mind control, levitation of deadly weapons and haunting the living after death".
Instead, it wants you to say 'yes' to the Empire, and say 'no' to Jedi, Rebels and May the 4th.
Will you be saying 'no' to May the 4th?
Click to watch the video below:
[via YouTube]
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Homepage / Browse sites by Top-level domain. Tech-o-Meter:
We have detected over 9 web technologies used to build the site: Natporder.com [ nat por der ]
Server Information
The web server is the software system that powers that website and serves the requests from that machine to the browser.
Apache has been the most popular web server on the Internet since April 1996.
Document Standards Information
Document Standards are typically standard elements you would expect to find on a webpage.
Cascading Style Sheets
Cascading Style Sheets (CSS) is a stylesheet language used to describe the presentation of a document written in a markup language. Its most common application is to style web pages written in HTML.
Content Type
Specifies the character encoding for the document.
HTML 4 / 4.01 Strict
The website claims HTML 4 Strict. HTML 4 extends HTML with mechanisms for style sheets, scripting, frames, embedding objects, improved support for right to left and mixed direction text, richer tables, and enhancements to forms, offering improved accessibility for people with disabilities.
Image Tool Bar
Allows webmasters to disable the image toolbar that appears when hovering over images in Internet Explorer 6.
JavaScript is a scripting language most often used for client-side web development. Its proper name is ECMAScript, though "JavaScript" is much more commonly used. The site uses JavaScript.
Meta Description
The description attribute provides a concise explanation of the page content.
Meta Keywords
Meta tag containing keywords related to the page.
Allows a website to define how a page is rendered in Internet Explorer 8, allowing a website to decide to use IE7 style rendering over IE8 rendering.
Google Pagerank
It seems that Natporder.com has Google PageRank 0!
Google PageRank (PageRank is between 0 and 10 - the higher, the better) is basically a measure of trust and authority. Domains with a higher PR are likely to rank for more terms than sites with low PR.
Latest web domains verified:
Hawaiijobengine.com - 12 web technologies - April 30, 2013
Jobs.onlinenigeria.com - 9 web technologies - April 30, 2013
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Ilrg.com - 8 web technologies - April 30, 2013
Webmaster tools (under construction) :
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Speed TestFind out how fast Natporder.com loads.
Natporder.com Look-upRetrieve a range of information about this domain.
Ping TestTest the presence of an active connection.


text:
Joined: Apr. 12, 2012
Nov. 10 at 10:25pm | see this comment in context
Yes. The Reimers house is also getting a thorough cleaning and sorting. Attended a great conference on martyrdom right after the election. It was certainly a consolation after the election.
I also think that the timing of the Year of Faith is not coincidental.
Indiana, by the way, went for Romney. Somewhat a consolation.
I firmly believe that America, unlike the Catholic Church, is in a state of decline. Living out our Catholic faith is the best we can do for the country as a whole, even though it seems like we aren't making much difference.
Sep. 19 at 8:40am | see this comment in context
I read Walker Percy's Alone in the Universe - The Last Self-Help Book, last summer. It was an excellent and fun read, making many of the same points. Good essay, Dev.
Aug. 7 at 9:51am | see this comment in context
Well said, Devra. I catch myself at it frequently, to my shame. But I also run into folks who say they won't really into a conversation with me about something serious because they know I am a Catholic or a "non-Democrat" and thus already "know" how I will respond to something or argue a point. In other words, we can be assigned "scripts" and not be worth the trouble or argument.
But I do that, too. I now have the expectation of turning on the evening news expecting to hear a lot of left wing hooey, although I am always disappointed when I do.
With most of my kids, I am often correct about their positions on things, but sometimes surprised to find out that what I expect and the reality are two different things. These can be either pleasant surprises or horrible disappointments.
In my own professional life, it is a constant, especially since I work in social services - but, again, sometimes I am very pleasantly surprised.
Thanks Devra for another well written blog about our fallible human condition.
Jul. 7 at 5:37pm | see this comment in context
Thanks so much, Devra. You have hit on a tricky subject. I think that this issue, besides being one of general importance is especially important when evaluating education over the past 20 years. David Brooks just had an interesting piece - from a secular standpoint - in the NY Times.
Personally, I have also struggled with, "What IS humility and how can I get really good at it"! Sorry about that.
Seeing ourselves always in relationship to our Heavenly Father does keep us little, as it were, but is also enormously encouraging, especially when we are (meaning I am) so prone to falling short.
Keep up the good work, Devra!
Apr. 24 at 11:10am | see this comment in context
To Katie,
Yes. Communion and Liberation. Referring again to the Obama at ND event, the Communion and Liberation weigh in on this was that it would be a good thing as Obama might be moved by Christ's presence here. Perhaps he was, however, this in no way has effected any policy changes by our government in the area of abortion. Our current experience with the HHS mandate indicates otherwise.


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Global consumer confidence edged up one index point in the third quarter to a score of 98—up from 97 in the previous quarter and up two points from the start of the year. The index, which has been on a slow and steady rise since Q1 2012, has now exceeded a pre-recession level of 94 for three consecutive quarters.
Who doesn't love a good snack? As snack manufacturers look to tailor offerings to deliver snacks that appeal to both the palate and the psyche, knowing what drives a consumer to pick one snack rather than another is vital to stay competitive in the $374 billion worldwide snacking industry.
Across the globe, shoppers are increasingly turning to the web to buy the things they need. But some categories are benefiting more than others. The online market for consumable goods—due to their hands-on buying nature and perishability—is comparably smaller than for non-consumables—durables and entertainment-realted products. Nevertheless, the global audience is willing and eager to shop the web.
If you want to understand the fundamental economic changes happening in Southeast Asia, a good place to start is Myanmar's biggest city, Yangon, on the shores of the Yangon River.
For over 50 years, there was only a single "app" for TV viewers. The sole function of that app—the cable or satellite company—was to stream premium video content. The facts of yesterday's TV viewing no longer hold. There are now many TV viewing apps available. Enter "the appification of TV."
Perceptions about private-label brands are favorable around the world, but value shares are not correspondingly distributed; they are much higher in developed regions like Europe, North America and Australia.
All established companies must address a key challenge: How to find the next disruptive innovation while reacting to the disruptive innovations of others. To use the language of this year's TIBCO conference, how can one "ride the disruption wave"? Mitch Barns explores three things he's found that can play a big role.
The problem with brand value is simple: no one agrees on it. The GE brand value, for example, in 2011, was variously estimated to be worth $30.5B, $42.8B, and $50.3B by different valuation services. So if valuations vary so wildly, how can CMOs and CFOs begin to understand the value they deliver with their marketing spending?
The ad industry has always been consumed with the latest trends. This should be no surprise, given that marketers and their agencies spend the better part of their days trying to create them. But nothing in advertising has generated more buzz in recent months than programmatic buying. Buying ad inventory more efficiently by applying rules to technology-enabled, automated purchases has marketers salivating.
E-commerce is booming. This phenomenon is not only changing the shopping habits of Chinese consumers, but also China's retail landscape.
U.S. grocers need to gear up for the opportunity online.


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