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Below you will find the most frequently asked health insurance questions and their answers. If you have additional health insurance questions, please call one of our helpful Customer Service Representatives. What is the Accidental Medical Expense (AME) rider? The Accident Medical Expense rider provides benefits for injury due to a covered accident. AME benefits are administered per injury/accident, instead of per calendar year. After AME benefits are paid, your annual health insurance deductible, coinsurance and emergency room copayment (if appropriate) will apply.
What is the Doctor's Office Copayment (DOC) option? The Doctor's Office Copayment Option is an optional benefit that provides 100% coverage for all covered reasonable and customary charges for an office visit to any physician after a copayment. Copayments do not apply toward satisfying the deductible or out-of-pocket maximums.
What is a Maternity rider? A Maternity rider is an amendment to a medical policy that provides coverage for normal childbirth.
Who is CVS Caremark? CVS Caremark is the vendor Assurant Health uses to process your prescription drug claims. In other words, they are an outside company we contract with to administer your prescription drug benefits on our behalf.
How do I use my CVS Caremark Prescription ID card? Each time you fill a prescription, present your ID card at a participating CVS Caremark pharmacy. To locate a participating pharmacy, simply contact CVS Caremark at the number on your prescription ID card, or visit http://www.caremark.com/. Once you satisfy your annual deductible, you pay the copayment specified on your drug card. After applying any discounts, deductibles, or copayments, the pharmacy will submit your claim electronically.
Am I covered when I go out of the United States? Unless specifically excluded by your contract, you are covered for the benefits listed in your health insurance policy. All health insurance policy provisions apply, including medical necessity and reasonable and customary.
What is a Special Exception Rider (SER)? A Special Exception Rider excludes health insurance coverage for a specific medical condition for an individual family member. These riders are generally put on health insurance policies due to pre-existing conditions, and exclude benefits for any diagnostic services or treatment for that condition for the named family member.
What is a Special Class Premium (SCP)? A Special Class Premium is an additional premium amount you pay for your health insurance policy due to a medical condition you might have (for instance, high blood pressure).
What is a non-smoker discount? A non-smoker discount is a reduction in the health insurance premium amount for our policyholders who lead a healthier lifestyle by not using tobacco products.
What is a deductible? A health insurance deductible is the amount of covered expense you must incur and pay each calendar year before we will pay for covered medical expenses. This is for each individual, each calendar year. Expenses that are not covered by your health insurance policy will not be applied to your deductible.
When does my calendar year deductible start over? The calendar year begins January 1st and ends December 31st each year.
What is coinsurance? Coinsurance (also known as Rate of Payment) is the percentage of covered expense you are responsible for after you have met your deductible. For example, if your coinsurance is 20% up to $5000, Assurant Health will pay benefits at 80% of covered expenses up to $5000. Then Assurant Health will pay 100% of your covered charges, up to the policy maximum. You are responsible for the 20% amount that Assurant Health does not pay.
What is a copayment? A copayment is the amount you pay for each prescription drug or PPO physician office visit.
What is individual out-of-pocket expense? Individual out-of-pocket expense is your deductible and coinsurance added together. In other words, it is the maximum you will have to pay — per person, per calendar year — in deductibles and coinsurance.
What is family out-of-pocket expense? Family out-of-pocket expense is your deductible and coinsurance added together, for your whole family. In other words, it is the maximum you will have to pay per person, per calendar year, no matter how many members of your family need health insurance benefits.
What is reasonable and customary? Reasonable and customary (R&C) is the dollar amount allowed for a particular service. The reasonable and customary amount for charges is determined by Assurant Health using your geographic area.
What do I do if my physician or hospital is billing me for the amount not covered as over the reasonable and customary amount? There is a specific reasonable and customary amount allowed in your geographic area, and this is the amount allowed by your policy. Anything over the reasonable and customary amount would be your responsibility.
Who is Concentra Preferred Systems? Assurant Health determines reasonable and customary amounts on facility (i.e., hospital) charges. If you wish to dispute a reasonable and customary amount allowed for a facility charge, please call them at the toll-free number listed on your EOB statement.
What is preauthorization? Preauthorization is when we are notified in advance of a surgery or hospital stay, and is required for most policies. The requirements can differ from policy to policy, but the purpose of preauthorization is to determine if a hospitalization or surgery is medically necessary, and how many days of hospitalization are warranted. Your health insurance ID card shows the preauthorization telephone number, and a full listing of which services require preauthorization can be found in your health insurance policy. Please follow the preauthorization procedure in order to maximize your benefits.
What is a predetermination? A predetermination of benefits is a written request for verification of benefits. We review these requests based on policy provisions, and send an explanation of your potential health insurance benefits. You may request a predetermination before your medical procedure, although a predetermination of benefits is generally not necessary.
Does my surgery/hospital stay need preauthorization? In most cases, preauthorization is a requirement for services listed in your health insurance policy. Please review your health insurance policy for details.
How do I get my surgery/hospital stay preauthorized? Your health insurance ID card shows the preauthorization telephone number, and a full listing of which services require preauthorization can be found in your health insurance policy. Please follow the preauthorization procedure in order to maximize your benefits.
How am I notified whether or not my surgery/hospital stay is preauthorized? Your preauthorization vendor will send you a telegram that will explain if the procedure and/or hospital stay is approved or denied. If you are being hospitalized, the specific number of days approved will also be provided.
How long do I have to submit a bill/claim? Please submit the claim as soon as you can. Assurant cannot consider any claim received more than 15 months after the date of service.
How do I get a claim form for my prescriptions? Usually, the pharmacy will submit prescription claims for you. Otherwise, to order claim forms, simply contact the Assurant Health phone number located on your medical ID card or visit http://www.caremark.com/.
Where do I send claims? Refer to the back of your health insurance ID card for claims submission information.
Can I fax in a claim? Yes. Our fax number is (608) 741-4989.
How long does it take to process a claim? The amount of time it takes to process a claim depends on the information submitted. In general, you should receive an Explanation of Benefits within 3-4 weeks. If additional information is required to process a claim, we will notify you, and the claim could take longer to process.
How do I appeal a claim denial? If you believe your claim has been processed incorrectly, please contact our Customer Services Department. If you do not agree with the denial of a claim, please send an appeal in writing to Assurant Health, Correspondence Department, P.O. Box 624, Milwaukee, WI, 53201-0624. Note any extenuating details, include any documentation pertaining to the appeal, and keep a copy for your records.
My physical therapy/chiropractic claim was denied as maintenance care. What does that mean? Maintenance care means that the care that you are receiving is no longer improving your medical condition.
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Below you will find the most frequently asked health insurance questions in regard to provider networks. If you have additional health insurance questions about networks, please call one of our helpful Customer Service Representatives. What is the Network Option? This option utilizes a network, which is comprised of a large number of participating hospitals and physicians. The providers in this network have agreed to reduce the amount they charge for services provided to our policyholders. Network availability may vary depending on the area in which you live.
Who is my vendor?What is the name of my Network? This information is printed on your health insurance ID card, along with a telephone number for you to contact the network vendor for your policy. Vendor contact information.
Which physicians and hospitals are members of my Network?How can I find out if my physician is a member of my Network? At the time you received your health insurance policy, you may have received a directory of physicians and hospitals in your network. If you would like an updated list, please contact your network vendor. You may also contact your provider's office and ask if the physician is a member of the network (listed on your ID card). Always verify whether your provider is a member of the network in order to maximize your health insurance benefits. Vendor contact information.
How can I get an updated Network directory? Please contact your network vendor. Always verify whether your provider is a member of the network in order to maximize your health insurance benefits. Vendor contact information.
How do I contact my vendor? A telephone number for your network vendor is printed on your health insurance ID card. Vendor contact information.
Why are my claims sent to the Network vendor first? The network vendor determines the discounts that are applied to your bills, and then forwards them to Assurant Health.
My Network physician wasn't in the office. I saw the "on call" physician. Will this be paid as a Network claim? If the physician you saw is a member of your network, we will consider the charges at the network rate of payment. If the physician you saw is not a member of your network, we will consider the charges at the non-participating provider rate of payment.
The clinic was a Network provider. Why wasn't the physician paid as a Network provider? Each physician contracts individually with the network. If the physician you saw is not a member of your network, we will consider the charges at the non-participating provider rate of payment.
I was on vacation and had to see a physician. Will you pay my claim at the Network rate?If the physician you saw is a member of your network, we will consider the charges at the network rate of payment. If the physician you saw is not a member of your network, we will consider the charges at the non-participating provider rate of payment.
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And Finally He Ran Out Of Ideas For Blog Titles
Posted on June 19, 2013 by James Douglas
Today we spent the day fleshing out the ideas for our research foci. We started out with a group discussion with all of the professors, where we each presented our ideas informally and received feedback. It was interesting to hear what everyone had come up with, and although the group format left a little to be desired in the way of efficiency, I was personally glad to get to hear everyone's ideas. After reiterating my interest in hydrology and some discussion, I came around to the idea of trying to calculate the water budget for the watershed. This would not only help further our understanding of the interactions between surface water, ground water, geology, and topography as a group, but lend important information to those working on other hydrology based projects. Although I was still interested in freshwater seeps, I realized quickly that given the overlap between most of the hydrology based projects, I would still get to be involved in the seep research. After a break in the afternoon, the hydrology people met in a smaller group let by Dr. Becker and Dr. Wechsler, and we went over some of the specific methodologies and strategies that would be necessary to complete our research over the next 10 days. It was a very interesting discussion, and I was glad to have the one on one help. Tomorrow I will be focusing collecting ground elevation data within the riparian corridor for the purpose of increasing the accuracy of the DEM. Hopefully this will allow me to conduct more accurate analysis of expected surface water contributions to baseflow within ArcMap.

subset: commoncrawl


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A stunning five-star luxury hotel overlooking the Thames near Embankment
This majestic five-star hotel presides over the River Thames. From glittering chandeliers to contemporary design, this central hotel near the London Eye reflects a proud heritage. Expect more, with free Wi-Fi throughout the hotel, fully refurbished Victorian splendour, award-winning dining, afternoon tea and sumptuous river view suites.
These luxury details helped us win the TripAdvisor's Certificate of Excellence 2014 and was commended Condé Nast Traveler's Top 35 Hotel in the British Isles.
One Whitehall Place was recently the winner of the Most Prestigious Christmas Party Venue category at the Prestigious Star Awards 2014. Have you booked your Christmas lunch, dinner or party yet? We still have some dates left, so why not give us a call to find out more on 020 7451 9386. Click here to view our Christmas and New Year 2014 Brochure.
Experience the grandeur of The Royal Horseguards Hotel. Take a virtual tour.
View the River Thames and London Eye from our Live Webcam located on the hotel's rooftop here.
History meets modern day
Sheer elegance defines each individual suite. With outstanding views, anticipate fully refurbished Victorian elegance and contemporary style. Enjoy the heritage of original tiled floors and discover a hotel with a secret past. The Royal Horseguards was the HQ of the Secret Service during the First World War. It also boasts One Whitehall Place, London's sought after wedding, conference and events venue.
Restaurants and bars
Expect the finest contemporary cuisine in our award-winning One Twenty One Two Restaurant, which recalls our famous neighbour Scotland Yard, and its world famous telephone number. Quintessentially British, make time for award-winning tea in The Lounge. Pick up the pace at Equus our destination bar, serving cocktails named after famous guests, from George Bernard Shaw to Winston Churchill. Or take time to enjoy al fresco dining on The Terrace.
- The Royal Horseguards hotel defines regal luxury
Winner of TripAdvisor's Certificate of Excellence 2013 and 2014
Winner of TripAdvisor's Travellers' Choice 2012
Commended Condé Nast Traveler's Top 35 Hotel in the British Isles
Award-winning One Twenty One Two Restaurant
Tea Guild memberand 2012 & 2013 award-winner for high tea
Luxurious suites and bedrooms, many with river views
Prestigious riverside hotel near the London Eye and Trafalgar Square
Free super-fast business grade BT Wi-fi throughout the hotel
Close to: Embankment tube, Charing Cross station, Waterloo station, Embankment Pier river taxis and London City Airport by DLR.
London landmarks: The London Eye, Trafalgar Square, Parliament Square and Royal Parks.
Follow us on Facebook and Twitter to be the first to know about our special offers and latest updates.


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Wed, Dec 9, 09 at 12:50
I'm in the holiday season, and love to burn candles in my window, however, I have black soot on the inside of my lampshade. How do I remove this? I'm burning some soy candles, but not all. Thanks........ |
Follow-Up Postings:
That sounds dangerous. |
If the wick is too long it will soot while burning. Make sure it is trimmed properly before lighting. I have found that the best soot cleaner is Krud Kutter in the red spray bottle. |
Here is a link that might be useful: Krud Kutter
- Posted by oilpainter (My Page) on Thu, Dec 10, 09 at 2:05
The fire department is warning about burning candles. These days many fires are started by candles, so please watch your candles and never leave them unattended. I think you are courting disaster by using a lamp shade over them. |
Exactly, candles are dangerous. First, put them in steady large candle holders, don't burn them down past the last 2 inches, and keep constant watch over them. And don't even bother if you have kids or pets who are curious and may knock them over. |
I am sure she meant to say candle shade. These are made of ceramic and just for candles. They are actually designed to make candles burn better and guard the flame from being quite so open. |
Here is a link that might be useful: ceramic candle shades
Still, any candle in a window, which I presume means sitting on a window sill, sounds dangerous. |
I agree with graywings. Candles should never be burned on a window sill. I always make sure mine are on a fireproof base and sitting all by its self with nothing around it. I also never use candle rings or decorations of any kind. I believe they are a fire waiting to happen. |
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I'm trying to configure a Drupal CMS on my new Amazon EC2 server with Elastic Beanstalk PHP. I also have MySQL configured for my RDS database. I want to get PHPmyAdmin running for use with Drupal.
I uploaded a custom zip file with Drupal 7.26 and a /pma directory with the newest PHPmyAdmin version using the "Upload and Deploy" feature. I can start the Drupal installation fine, but PMA returns an error:
Cannot start session without errors, please check errors given in your PHP and/or webserver log file and configure your PHP installation properly. Also ensure that cookies are enabled in your browser.
I checked the PHP log, and there is nothing about PHPmyAdmin in there, so I think PMA does not know where the PHP installation is.
Any help on how to configure this correctly? I tried to redeploy the same package, and I tried to edit the config.inc.php file before deploying.


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Enchanted Railroad Watch an intricate railroad travel through four seasons of beauty at a child-friendly level. January 17- February 22, 2015 Learn more
2015 Central Region Perennial Plant Association Symposium: Ready! Set! Garden! The Perennial Plant Association and The Morton Arboretum are teaming up to offer a day-long symposium entitled, 'Ready! Set! Garden!' Learn more
Library Exhibit: Plant Hunters The exhibit features artifacts from the library's special collection relating to famous plant hunters, and it explores modern conservation efforts by scientists at the Arboretum. Tuesdays-Saturdays, during regular library hours. Learn more
Tree House Tales Exhibition Enter a tree village that's filled with adventure and imagination. Play, make believe, and become part of the trees' ever-changing tale. Daily, 7:00 a.m.-sunset Learn more
Cross-country ski & snowshoe rental (rentals closed until further notice) Rentals are closed until further notice due to lack of snow cover. When there is four inches or more of snow on the ground at The Morton Arboretum, trails are available to cross-country ski or snowshoe through a winter wonderland. Weekdays: 10 a.m. to 4 p.m. and Weekends: 9 a.m. to 4 p.m. Learn more
Chocolate Expo Shop for distinctive chocolate treats and learn more about the delightful world of chocolate through presentations and demonstrations. January 31 & February 1, 9:00 a.m.–4:00 p.m. Learn more


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CUMBERLAND — After nearly five years of trying to avoid foreclosure and get a mortgage loan modification, Paul Patnaude is ready to let go.
Patnaude, 46, is living alone at 3 Royal Court, the Cape Cod-style house he bought in 2004. Until June, it was also the home of his wife and their three children, ages 10, 8 and 3.
Patnaude and his wife, who are getting divorced, recently settled their foreclosure-challenge case with Bank of America. Theirs is one of the 1,123 cases that have been handled in the U.S. District Court in Providence, as part of Judge John J. McConnell Jr.'s foreclosure mediation docket.
The mediation program, which began in 2012, was designed to help people stay in their homes, but, as Special Master Merrill Sherman has written, lenders' unwillingness to reduce loan principal for homes that have lost significant value means that modification often does little to help "underwater" borrowers.
For $10,000, which they will split evenly, the Patnaudes will give their house to the bank, and their debt of about $300,000 will be erased.
Patnaude said that without his family living there, he didn't see much point in continuing to push for a loan modification. But he said he wanted to speak publicly about the years of worry and stress, which he believes contributed to the breakup of his marriage.
Patnaude said the foreclosure crisis has caused pain and financial ruin for thousands of hard-working families, and the people who have been hurt the most often have no voice in the public debate.
In 2004, near the height of the real-estate boom, the Patnaudes paid $400,000 for their house near Cumberland High School, putting down $90,000, and paying $13,000 in closing costs. Patnaude said the down payment money came from the sale of his house in Lincoln, which he bought when he was single.
In 2004, Patnaude's 17-year-old home-improvement company was doing well, and the monthly house payments of about $2,200 seemed manageable for the two-income family. (His wife is a teacher.)
By 2008, however, the faltering economy had hurt Patnaude's business so much that he was having trouble paying the mortgage. All that year, he remembers, they narrowly avoided foreclosure by scraping together payments at the last minute, although they were often one to three months behind on the loan.
In January 2009, Patnaude filed for bankruptcy. He said he thought that might help save the house, but it didn't work. Later that year, with foreclosure looming, the family moved to an apartment in Pawtucket. After a few weeks in the rental, Patnaude met attorney George Babcock, who advised him to move his family back into their house immediately.
Babcock, who represents most of the borrowers in McConnell's foreclosure docket, said that many owners have been pressured to leave their homes before foreclosure has even occurred, and that is what happened to the Patnaudes.
Patnaude said he applied to Bank of America for a loan modification multiple times, and every application was rejected. According to Bank of America spokesman Rick Simon, the bank offered the Patnaudes a trial modification in 2009, but "the required trial payments were not made by the homeowners, meaning it had to be declined under the [HAMP, the federal Home Affordable Modification Program] program guidelines."
Later, the bank extended another offer to the Patnaudes, Simon wrote, "but we did not receive the signed modification documents." This year, the Patnaudes "did not meet the [HAMP] guidelines," he explained.
Principal reduction has never been possible, Simon added, because "this is a Fannie Mae loan" and the Federal Housing Finance Agency prohibits principal reduction on loans owned by Fannie Mae or Freddie Mac.
Babcock said that HAMP and other programs designed to encourage lenders to provide loan modifications to underwater borrowers have been "a joke."
He said most lenders won't lower the principal on underwater loans, even though the current value of the houses can be one-half, or even one-third, of the prices they fetched at the height of the housing boom.
Once it is taken over by the bank, Patnaude's house will go to Fannie Mae, which will sell it at a price far below $400,000, Babcock predicted. "They'll put that house on the market at a price that he [Patnaude] can afford," he said.
Although Bank of America has Patnaude's loan now, it wasn't the company that originated the mortgage. The originator was American Brokers Conduit, which sold the loan to Countrywide Financial, which was acquired by Bank of America in 2008.
Once the country's largest mortgage lender, Countrywide played a major role in the housing market collapse because of its heavy reliance on subprime mortgages.
Federal prosecutors now want Bank of America Corp. to pay about $864 million for losses incurred by the government after it bought thousands of home loans made by Countrywide during the housing boom. In October, a jury found Bank of America Corp. liable for knowingly selling thousands of bad home loans to Fannie Mae and Freddie Mac between August 2007 and May 2008.
Although he made no payments on the house for more than two years, Patnaude said he began paying $760 a month after Sherman began to administer the federal court's foreclosure mediation program. Sherman instituted monthly "use and occupancy" payments, based in part on the home's current market value.
In August 2011, McConnell issued a stay preventing foreclosures and evictions in pending foreclosure cases. The use and occupancy collections were halted in September, following an appeals court ruling that effectively required McConnell to remove that stay.
Today, Patnaude is working for a local painting company, and he is preparing to move out of the house. The latest statement he received from Bank of America said that $2,414.77 was due on Nov. 1 and that he was $103,131.84 behind in payments, and $30,735.36 behind in escrow payments. The loan balance was $302,407.93. The loan was a conventional, 30-year mortgage with an interest rate of 5.65 percent. But Patnaude will soon be rid of all that debt, along with the house at 3 Royal Court.
Patnaude said he'll probably stay with a relative for a while before starting over in a new place of his own.
"I fought the fight …, " he said, but "I'm letting it go. Too much has happened."


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Just in case baseball junkies weren't getting their fill of news and analysis with the Vernon Wells trade, or the Manny Ramirez signing, or even a candid Brian Cashman hosting breakfasts and spilling beans, online baseball prospecting has become almost as rampant on the internet as another topic that gentlemen also often "research" at home alone.
Earlier today, ESPN's Keith Law unveiled his annual organizational rankings for 2011. Yesterday, MLB.com revealed its top fifty prospects. Meanwhile, Baseball America has completed its list of top ten prospects for each organization, and Baseball Prospectus only has ten more teams to go until its lists of top eleven (and then some) prospects for each system is complete.
Items Of Note:
- The Kansas City Royals rank first in Law's rankings, are the only team with six players in MLB's top fifty prospects, and are the only organization to receive five five star rankings from Baseball Prospectus.
- The Toronto Blue Jays rank fourth in Law's rankings, and have three players ranked in MLB top fifty prospects including Kyle Drabek (12), Brett Lawrie (28) and J.P. Arencibia (48).
- MLB.com ranks Mike Trout as the number one prospect in baseball. According to Baseball Prospectus, Trout's "combination of tools and baseball aptitude is nearly unheard of for a teenager. He has a big league-ready approach to go with outstanding hands and bat speed. He makes consistent, hard contact to all fields, and talent evaluators are universal in seeing average-to-plus power come out of his broad, athletic frame. He's an pure 80 runner who eats up ground in center field, and he adds fantastic makeup to the overall package."
- Law ranks the Tampa Bay Rays as having the second best farm system in baseball, and that was "even before they dealt Matt Garza, they're now No. 2 with a bullet and not far behind Kansas City for No. 1."
- Other notable names in MLB's top fifty prospect list include 2. Jeremy Hellickson (Rays), 3. Bryce Haprer (Nationals), 4. Domonic Brown (Phillies), 6. Aroldis Chapman (Reds), 9. Jesus Montero (Yankees).
Check back at ESPN tomorrow for Keith Law's individual prospect rankings.


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Distributed to newstands in April 1964. This issue includes 10 pages of paid advertisements.
Distribution date from Joseph Marek's Marvel Comics Group history website.
Possible Brodsky alterations on Torch and Handsome Harry per Nick Caputo via the GCD Errors list, July 2005 and December 2008. Henry Kujawa previously credited Chic Stone on inks.
Second appearance of "The Terrible Trio"; they last appear in Fantastic Four (Marvel, 1961 series) #23 (February 1964) and they next appear in issue #129 (February 1965). Handsome Harry resembles actor Tony Franciosa.
This is the third appearance of Nightmare; he last appears in issue #116 (January 1964) and next appears in Doctor Strange (Marvel, 1968 series) #170 (July 1968). Inks credited by Bob Bailey, 2005-01-30 (Per Sandell ed.)
promos for Amazing Spider-Man (Marvel, 1963 series) #14 (July 1964) and Fantastic Four (Marvel, 1963 series) #28 (July 1964) include cover repros. Printed between the pages of the Dr. Strange story.
Printed after the Dr. Strange story. Continues in next issue.


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The original deal pioneer keeps on pinching pennies and cracking wise. No, that price isn't a typo.
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Item: Seiki 50" 4K 120Hz LED Ultra HDTV Price: $949.99 Shipping Options: $5 Standard Condition: New Search Amazon Search Google
Meh, 965 on amazon prime
Great price for a 4K set, Seiki owns the low end of this market at the moment. But only $11 less than the current Amazon price (965.99, free shipping).
Waiting for 8k. In 5 years this will be the equivalent of a 720p TV.
At 120Hz, will it do 3d?
Woot stopper
rrussell wrote:At 120Hz, will it do 3d?
It does 4K, which by my math is one number and seven letters higher. So it's better.
So how long before there's any content available that I can see how much better these are than 1080?
pg318 wrote:So how long before there's any content available that I can see how much better these are than 1080?
Microsoft and Sony said that while their consoles will be compatible with 4K TVs, they aren't even putting any effort into 4K because the data capacity would be ridiculous.
Sony already has a 4k on demand video service. Video Unlimited, I believe. Press Release
chewtoy11 wrote:Sony already has a 4k on demand video service. Video Unlimited, I believe. Press Release
More like Video Extremely Limited (and expensive.)
View All →


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I have sagging kitchen cabinet doors and need to fix them (so I can install the baby latches!). Photos are below!
I am willing to pay for some quality latch hardware in order to obtain a long-term solution. Any advice (and places to buy) would be appreciated! |
Follow-Up Postings:
It looks to me as if the hinges are either broken or simply loose / misadjusted. The doors don't look like they're broken, and it's unlikely the face frames of the cabinets have moved, so the problem is almost certainly with one or more hinges. There shouldn't be any rattle and slop in their movement. Look closely at the hinges and try to see where something is loose or out of place. |
- Posted by bobsmyuncle (My Page) on Sat, May 17, 08 at 17:02
Most of the 35mm style hinges have 3-way adjustments. I can see some adjusting channels in your photo. Loosen the screws, readjust and tighten back up. |
If your hinges can't adjust properly, you can buy new 35mm hinges that will fit perfectly with the existing door prep. I can tell the ones on your cabinets are some of the cheapest- they do not appear to have much adjustment built in. But Bob's nephew is right, you can probably readjust these to get them to at least work for a baby latch. Before buying new hinges, you need to measure the overlay. That is how much the hinged edge of the door covers the face of the cabinet when the door is closed. The hinges in your picture look like they may be 3/8" overlay, but I can't tell for sure. |
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Black Dottie Locker Rug
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Turn your locker into a chic spot to stow your gear with a design that pops.
- 10" square
- Expertly crafted of cotton with a nonslip latex backing.
- Dimensions + Care
- Machine wash in warm water.
- Use only nonchlorine bleach when needed.
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I searched GW and came up with a few small threads. We are just starting to plan our remodel for our master bath. My DH is 6 foot and I am 5 7.5 if I stretch... I am thinking of going with kitchen counter height as DH has a bad back and leaning over is difficult (but he can ride his bike 4000 miles a year...) Any new thoughts on the height debate? Thanks! |
Follow-Up Postings:
We are not tall (I'm 5'3", DH is 5'8.5") and we LOVE our counter height vanities! The guy who made them for us had suggested it (partly as a way to maximize drawer/storage space) and it's one of our favorite things in all three bathrooms. In fact, I b**ch and moan when we visit my parents and use the much lower-traditional height vanity in their guest bathroom during our stay. Go for it! |
You will NOT regret going with counters 36" high...love them! Especially for someone with a bad back. |
- Posted by littlebug5 (My Page) on Sun, Jan 13, 13 at 14:30
I am 5'3" and dh is 5'8". We LOVE our higher vanity height! I too have a bad back. |
- Posted by nycbluedevil (My Page) on Sun, Jan 13, 13 at 15:57
Definitely 36". I am 5'3" and it is still fine. I don't know ow my DH, who is 6'4", dealt with the regular height vanities we had before. |
That is giving me confidence - I asked DH to stand in front of the kitchen sink and pretend to brush teeth and wash face to see what he thinks. |
Personally, I do not understand why vanities were ever made low in bathrooms not used by children. Our kitchen counters are 36" high and our new master bathroom vanity top will be, too. And we are not tall people! |
- Posted by williamsem (My Page) on Mon, Jan 14, 13 at 22:57
Ours are higher by accident. It never occurred to me there was a choice, and seeing them up high at Lowes gave me little perspective in height. But once I got over the shock when it was installed (took all of 5 minutes), we fell in love! I'm only 5�4". I love all the room in the drawers. And I brush my teeth all the time because of retainers. It now drives me batty to brush in the downstairs powder room at lower height. Makes my back ache. |
Personally, I do not understand why vanities were ever made low in bathrooms not used by children. It's my thought that when plumbing first moved indoors, most homes only had one bathroom, which had to accommodate both children and adults, thus the lower counter height. |
- Posted by may_flowers (My Page) on Tue, Jan 15, 13 at 9:20
Men were much shorter than too. I saw a shaving stand at an antiques store from about the 1920s and the top of the mirror was slightly below my head level. I'm 5'6. Our house was built in 1999 and the MB vanity is 36". I wonder when they started using the higher vanities. |
Thanks - I couldn't see any reason to go shorter but there were a few threads where folks didn't like them. I think I picked out the style for my vanity - just have to figure out who makes something like it... |
My master bath counters are 37.5" - I love them. 38" would have been fine too. I'm almost 5'9", DH is 5'11". |
Sochi - thanks! I will test that height also |
Does anyone think a 38" high vanity in the master would be an impediment to re-sale? I am 5' 10.5" and DH is 6'. Our cabinet maker discouraged us from going over 36" because it is so non-standard. I loved the 38" high kitchen island in our last house and imagine it would be comfortable for a vanity too. The 38" would give us better drawer heights for storage too. (I am so miserable leaning over the sink with our current 32" vanities.) |
I certainly don't think it would be a determinative factor in buying a home. 38" is higher than average, but the vast majority of people wouldn't even notice it (they might notice less pain in their backs). Very short people may be challenged by it, but again, I can't imagine it being a serious impediment. If you're planning on moving in the next year or two, maybe go with 36". Otherwise, go for it, you'll both love it. |
Currently thinking of going with the 26 - but have to decide on the sink - if we go undercount, maybe go higher. We plan on living here for 20 more years... |
Definitely love our counter height. I went counter height in my daughter's bath too! She doesn't even notice and she's short. |
Gemini, do you mean 36?? |
Oops- yes 36 inch. Guess I failed text 101 or turned into a hobbit! |
- Posted by AmadeusHorse1 (My Page) on Fri, Nov 22, 13 at 14:35
Hi Everyone, The consensus seems to be 36", but I find that at 36" when I bend to wash my face water runs down my arms and onto the floor. I am 5'7" and I think you need something's little lower to create a downward angle. Otherwise you need to wipe up the water that has dripped from your elbows. Any thoughts on this? |
- Posted by sjhockeyfan (My Page) on Fri, Nov 22, 13 at 14:47
We're short and love a 36" vanity (really 34-1/2" plus countertop, just like in the kitchen). However, if I were doing drop-in sinks, I would get them a little shorter (but for undermounted sinks, they're perfect). |
- Posted by nycbluedevil (My Page) on Fri, Nov 22, 13 at 16:38
Yes, the water does drip down my arms a bit. But I prefer that to bending down. |
This new vanity height is a revelation to me. I had no idea until today that they have been trending higher. 36"?!! The same height as kitchen counters?!! I'm planning to redo my hall bath. The current vanity + counter is 30". I like it, but I've never tried anything higher. I'm 5'4" and live alone, probably will live here for the duration, and don't plan to ever have a vessel sink. My only concern is getting close to the mirror. Seems like it will be a stretch. I guess the added storage isn't a bad thing. |
Hoping to be able to tell you what the 36" height with an undermount sink is like by the end of the weekend....whooeee! In my extensive research, this detail like many others was analyzed to death...it is now recommended to have vanity counters at that height...this tells you how long I have been researching...when I started...it was not commonplace. I did find out however, that it looks really odd, and perhaps is not as functional when using a vessel sink. Luckily one of the cabinet places I went to, had a vessel sink in their customer BR on a kitchen height vanity. It just looked odd and out of place. I had mocked it up with bowls on my kitchen counter, and thought it was fine. Seeing it in real life convinced me not to do it. |
In our recent remodeled 3 bathrooms, using kitchen counter height vanity is our first and most important requirement. We used custom built cabinets for one bathroom, stock purchased cabinets for the other two, each vanity is 36 inches tall including granite counter top. The depth of the counter is 22.5 inches. We use undermount sinks. I am only 5' 4", DH is much taller, he loves the counter height. I Never have any problem to reach/use mirrors. In fact I got used to the new counter height since day one. Not until then I did not realize how much we had been deprived using the low vanities in the old bathrooms. |
raehelen and azmom, photos please. It looks odd? I'll bet it does. Doesn't it look massive? Does anybody just split the difference and go 33-34"? |
I just measured mine and with countertop they are 33". That should be fine for me, I'm only 5'0". We have undermount sinks. |
Hello linelle, For some reasons I could not get photos uploaded from photobucket even I have done that many times in the past. Please provide your email through my garden web email. I will send the photos when I get your address. |
This post was edited by azmom on Sun, Feb 23, 14 at 1:25
I'm 5'4" and love the higher height of my vanities. Re the mirror, if you have a medicine cabinet with a door that swings open, I love my Robern magnifying mirror. Not cheap (maybe $80?) but it brings the mirror way forward and is great for putting on makeup. It is tucked inside the cabinet when not in use. |
Everyone's vanities look perfectly normal to me in the photos posted. :) I can't believe I'm just learning about this increased height. I guess my current vanities would seem so low to everyone (30"). Increased storage capacity is always a good thing. |
When we redid our hall bathroom we didn't even notice the vanity we purchased was taller until DH used it and commeted how nice it was. Our in our master seems uncommonly low at 29.5" but it was built on site and the first home in this addition. We plan to change to 36" when we get to that part of the renovation for the master. |
- Posted by debrak2008 (My Page) on Mon, Feb 24, 14 at 13:37
We put in a 36" (34.5" high cab with granite top) high vanity in our master bedroom. Our family/guest bathroom is lower and feels weird to me. I'm about 5' 6" and like the higher height. |
You might also consider how you use the vanity. I used my kitchen sink as a trial "run" on height and found I would be reaching quite a bit (on tip toes almost) if I were to wet my hair down in the sink. If you only brush teeth, wash face, the higher 36" would be great, especially if you are taller. |
divotdiva, it would be mostly teeth-brushing and face-washing. Major hair-wetting happens in the shower or leaning over the tub, minor wetting via a spray bottle. |
Yes! to using kitchen counter height vanity in bathroom. We are working on a bathroom now and did just that. And just as in our kitchen, this vanity has drawers, drawers, drawers! :) The granite top was just recently installed, and it is actually feeling more like a bathroom. For quite a while there has only been a shower, tub, and toilet. We have had to go to the laundry sink to wash hands. Not exactly convenient, so I am really looking forward to DH finishing the faucet install. ;) |
- Posted by analyst-therapist (My Page) on Wed, Feb 26, 14 at 1:57
Anything between 33-36 is fine. Noone will really complain within that range. I rarely see vanities go beyond 35 though. |
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What does RNL mean in Military?
This page is about the meanings of the acronym/abbreviation/shorthand RNL in the Governmental field in general and in the Military terminology in particular.
Find a translation for RNL in other languages:
Select another language:
Discuss this RNL abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"RNL." Abbreviations.com. STANDS4 LLC, 2015. Web. 1 Feb. 2015. <http://www.abbreviations.com/term/187013>.
RNL also stands for:
- Receipt Notification Letter
- Rendering with Natural Light
- Rennell Island, Solomon Islands
- Required New Line
- Resistance and Liberation
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Hello. A bit about me: I'm a freelance cartoonist living fairly near London, UK. Until now I've mainly drawn church-themed cartoons, but I now draw cycling-themed cartoons too. For the last seven years I have drawn a weekly cartoon, 'The Dave Walker Guide to the Church', in the Church Times, which is the main church newspaper in the UK. I'm taking a break from this cartoon for the time being.
Feel free to get in touch via this page.
Other websites
I'm on Twitter at @davewalker. My cycling cartoons are at cyclingcartoons.com, my church-themed cartoons can be found at cartoonchurch.com and my blog is at The Cartoon Blog. My public Facebook page is here. I post photos on Flickr and am now also on the newfangled Pinterest site.
Reusing cartoons
Cartoons can be posted on social networks, such as Facebook and Pinterest, provided a link to this site is included. The same applies to personal blogs – include a link, if you can host the image on your webspace so much the better. For all other cartoon uses please send an email.


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What: Service that helps
salespeople manage relationships with prospects
Who: Morris Shepard of Impact
Systems Inc.
Where: Littleton,
When: Started in 1995 keeping
in touch with prospects
Keeping in touch with prospects can be a daunting task, and nobody knows it better than Morris Shepard. Having worked as a stockbroker and a sales manager for car dealerships, Shepard knew from past experience how difficult it was to maintain regular correspondence with customers.
In fact, Shepard often thought about doing something to simplify the process. In 1995, Shepard got the idea for a new software program that would automate the process. And with the expertise of a software developer, Shepard's signature program was born and christened the Sequential Client Contact System.
Today, Shepard's business uses that software to make it easier for salespeople to stay in touch with prospects and forge new potential business relationships. Because of the new program, gone are the hours spent drafting thank-you notes and letters for countless customers on a recurring basis. For a mere $95 per salesperson, Impact Systems does all the work instead.
Shepard, 48, makes daily trips to clients' offices, picks up prospect contact information from salespeople, and then enters the information into a database. Notes and letters--a total of 15 over a five-year period per prospect--are printed out on either letterhead or card stock. These are delivered to the client, who simply signs the correspondence and drops it in the mail.
The software also allows Shepard to track the overall effectiveness of advertising, such as which models sell well in specific ZIP codes. He provides this information free of charge to customers, which include car and motorcycle dealerships and mortgage companies.
Sales for 2001 pushed past the $200,000 mark, and 2002 sales are expected to increase nearly 30 percent. Shepard is currently working on modifying the software so realtors can use it as well, and eventually he would like to license his software to other entrepreneurs who are interested in starting similar businesses.
Like this article? Get this issue right now on iPad, Nook or Kindle Fire.
This article was originally published in the April 2002 print edition of Entrepreneur with the headline: Deep Impact.


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BiblePlayer for iPod 1.1
Take God?s Word to Go! Do you need to have a daily dose of bible scriptures? Or maybe you need a bible reading plan? Now you can read and listen to the King James version of the Bible on your iPod with this new freeware program. Bibleplayer also includes: - entire King James Bible (more to come) - Spurgeon?s Faith?s Checkbook - a daily devotional - Over 100 bible stories and parables of Jesus - Bible reading plan
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Daily Bible and Prayer features Bible reading plans, daily devotional, and prayer tracker. The Bible reading plan will get you through the Bible in a year with two different methods, and supports custom reading plans. Also included is the Faith's Checkbook daily devotional by C.H. Spurgeon, and a prayer tracker to manage your prayer list.
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Daily Bible and Prayer 188.8.131.52
Kiteplayer free TV online 1.0
KitePlayer Free TV on your PC. The first TV player with over 1,000 films, 600+ TV shows, movie channels, sports, news, music channels, over 3,800 TV channels. TV channels are streamed through the player and your internet connection, no PC cards or hardware required. KitePlayer TV receive over 3,800+ free online channels of live broadcasts from around the world.
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Bamako, Instruments4africa
Instruments4africa is an ICO initiative for the development of youth and the preservation of music and the arts in Africa. Our overall goal is to facilitate creative cooperation between Africa and the world. Our center of operation is in Bamako, the capital of Mali, West Africa. We sponsor underprivileged youth to receive a quality education and mentoring in the arts. By focusing on the child, the family, the community, and the culture, instruments4africa strives to end the cycle of poverty through education and mentoring.
There are 16 girls enrolled in the program at the moment and one of the goals is to make it available to many more children, boys and girls. The children involved are part of a dance troupe under the guidance of a professional Malian dance teacher; this gives them an opportunity to learn from the rich musical tradition of Mali. In addition they are sponsored to go to school. The younger members of the troupe are currently being taught by a Malian teacher whose wages are paid by Instruments4africa.
The long term goal is to create a school for the performing arts that will provide new opportunities for the children to live a decent life and lift them out of poverty. In addition, their families and their local community will benefit from a range of services such as workshops on a variety of topics, adult education, easier access to health care and the use of alternative sources of energy.
Mali is one of the poorest countries in the world, harshly affected by drought, high mortality rate and low literacy level. The people of Mali are struggling but their attitude toward life remain positive. They are very appreciative of our support and they value our solidarity.
The recent coup in Mali on March 22, 2012 and the rebels' occupation in the North have been devastating to the country. Large numbers of people from the North had to leave their homes and are now living as refugees in neighbouring countries and in Bamako. Everybody in the country is affected by the present situation, including our children and their families.
Your donations to Instruments4africa will make a big difference. Donors can be assured that there is no risk to donated money due to the situation in Mali, in fact there is even more urgency to implement this project due to the strife. For more information please contact email@example.com.


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Regulatory Story | |||||
Go to market news section | |||||
Songbird Estates plc
(the "Company')
Ordinary Shares of 10 pence each ("Ordinary Shares")
ISIN code GB00B4MTF637
For immediate release 12 February 2013
Notice of Preliminary Results
For the attention of shareholders in Songbird Estates plc
The board of directors of Songbird Estates plc (the 'Company') confirms that the preliminary announcement of the results of the Company for the year ended 31 December 2012 will be released on Friday 22 March 2013.
For further information please contact:
Songbird Estates plc
John Garwood
Tel: 020 7418 2312
Brunswick Group
Elizabeth Adams/Lewis Clark
Tel: 020 7404 5959
London Stock Exchange plc is not responsible for and does not check content on this Website. Website users are responsible for checking content. Any news item (including any prospectus) which is addressed solely to the persons and countries specified therein should not be relied upon other than by such persons and/or outside the specified countries. Terms and conditions, including restrictions on use and distribution apply. |
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text: Don't Miss my Winter Clearance Sale. For a Limited Time Only All Exclusive Beats are now "60% Off." Get some of my hottest Hip Hop, R&B, and Pop Exclusive License Beats for only $40 each. Also if you see a Non-Exclusive beat that you really want just email me and I can sell it as an exclusive. Don't wait..Sale Ends in one week on Tuesday March 5, 2013.


text:
SKY BLUE PINK Journal Cards
(0 Total Votes) | Rate It |
Product CategoriesEveryday Friends Girls Holidays - Easter Holidays - Mother's Day |
Product Information
- Type: Embellishment Pack
- Designer: D'sign Your Life by D
- Download Size: 46.6 MB (approximate)
Design Elements
- Page Elements: 14
Designer Notes
Not only do these journal cards coordinate with other packs in the SKY BLUE PINK collection, but they also work well with kits comprised of blue, pink, lavender, and aqua colors. Each card is 3" by 4" in size. (Copyright - for personal use only)
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High-resolution (print quality) JPG and PNG files (with transparency).
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Easy install directly into My Memories Suite software. Purchase My Memories Suite
General use installer for other software applications (i.e., Adobe Photoshop & Photoshop Elements, Paint Shop Pro, etc.).
Album and Photobook templates are intended for installation in the MyMemories Suite software only.
The General download will still contain all of the digital paper and page element files and template pages in a flat jpeg format so that you can recreate the template.
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All download options are available after checkout by clicking the "Access Your Downloads" provided on the order confirmation page. You may also access your downloads after logging into the My Account section located at the top right of the website.


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Geri Halliwell & Guy Ritchie?
1 of 8
A newly single Geri Halliwell (a.k.a. Ginger Spice) dolled herself up for the UK premiere of The Boat that Rocked last night then went out on the town at Guy Ritchie's pub The Punchbowl. The two reportedly left within ten minutes of each other, according to The Sun which is awesome in my book. After...


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Imagine if your favorite band had never stepped into a studio.
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for more information.Cost
Whether you're recording a 30-second voice-over or a full-length album we are committed to working with each client to design a recording package to fit within your budget. Listen to some examples of our work.
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Peak Audio is committed to providing an environment that promotes creativity and professionalism.


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December 16, 2011
When I was diagnosed with a meningioma in 2008, I started researching immediately. I found Meningioma Mommas and I will forever be grateful. The information, the connections with others, the contributions to meningioma research has been built by committed leadership. My neurosurgeon saved my brain. Menigioma Mommas saved my sanity. Like I said, I will forever be grateful. Barbara
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The Food and Drug Branch (FDB) regulates the manufacture, processing, storage and distribution of food products in California. California law requires that businesses obtain an FDB license, certificate or registration for these activities. Processors of general food commodities (e.g. baked goods, noodles, processed fresh vegetables, seafood, snack foods, dietary supplements, etc.) must obtain a Processed Food Registration (PFR) from FDB. A PFR certificate is a firm's basic health permit. The PFR allows firms to manufacture products not specifically covered by another FDB license.
PFR certificates are also required for general food warehouses. Warehouses storing molluscan shellfish and organic food products must also obtain a specific certificate or registration for these activities.
Additional food safety information may be obtained on FDB's Food Safety Program page.
What is FDB's Processed Food Registration Program (PFR)?
General foods such as; bakery products, noodles, seafood (except molluscan shellfish), fruit juices, snacks, nuts, oils, processed or packaged vegetables, candy, etc. are regulated by the PFR program.
The registration is a basic license issued to firms that allows them to legally manufacture, package, label, or warehouse food in California. The PFR provides evidence to your customers and regulatory agencies that you are licensed and inspected by FDB.
The registration fee is set based on three major factors: 1) the size of the facility, 2) number of employees, and 3) your firm's activities (e.g., manufacturing or warehousing). The registration fees are received by FDB and deposited into a special account. The funds are used to support the Food Safety Inspection Program.
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The law provides no exemptions to PFR based on the size or annual sales of your firm.
Am I exempt from PFR if I am registered with the U.S. Food and Drug Administration (FDA)?
No. California law requires that your firm be registered with FDB if you manufacture, process, or store food products in California.
The FDA registration is a requirement of the federal Bioterrorism Act. The registration will provide information on the origin and distribution of food products to aid in the detection and response to threats to the U.S. food supply. Registration information also will help FDA notify firms that may be affected by an actual or potential threat. There are no fees for the FDA Registration. For details, please visit FDA's website.
Are importers and brokers required to obtain a PFR?
Importers and brokers are not required to obtain a PFR unless they are engaged in the manufacturing, processing, or warehousing of food.
What processing activities are exempt from PFR?
Additionally, you are not required to have a PFR if your activities only consist of food processing activities including:
How can I obtain a PFR application?
1. Fill out the online application found at http://www.cdph.ca.gov/programs/Pages/FoodSafetyFormDownload.aspx.
2. Send an email to firstname.lastname@example.com
3. Call the Food and Drug Branch and ask to speak to the Processed Food Registration Desk at (916) 650-6500.
When should I apply for a Processed Food Registration (PFR)?
What business address should I put on the application?
How do I determine the proper PFR fee?
The PFR fee for these activites are based on the facility size and number of employees. Payment codes for this category can be found on the back of the application, designated D-M.
To find the proper fee:
The PFR fee for warehouses is based on facility size only. Payment codes are located on the back of the application and designated as A, B, or C.
Locate the size of your facility and determine the appropriate Payment Code (A-C). The proper fee is located to the right. For example: A 7,000 sq. ft. warehouse facility has a fee corresponding to Payment Code "B."
What is the HACCP fee?
The HACCP fee supports with the review and evaluation of HACCP plans for these commodities. There are no exemptions to the fee.
For more information, visit the FDB Food Safety Program page.
What is the Food Safety Fee?
Are there exemptions from the Food Safety Fee?
How do I apply for the Food Safety Fee exemption?
To request a Food Safety Fee Exemption, please contact FDB's Food Registration Desk at (916) 650-6500 or download the form from the Food Certificates, Licenses, and Registrations website and select the Food Safety Exemption Request Form 8694.
What should I do with the attached commodity codes list?
How long is the PFR certificate valid?
What happens after I submit my PFR application?
What laws and regulations govern the manufacture, storage and distribution of food?
For a list of laws and regulations, please visit the Food Safety Program page.


text:
Can anyone help identify what pest/issue may be causing these holes in my newly transplanted tomatoes? I'm also curious about the "wilting" on the middle leaf. I've read on the forums about transplant wilt, but I'm not sure. Details: |
Follow-Up Postings:
It looks to me like the middle leaf may have been burned by cold temperatures. In my experience, setting out my plants too early without enough hardening off resulted in that kind of damage. The other damage looks a lot like Flea Beetle damage. Flea Beetles will eat tiny holes in the leaves, like you see here, but rarely will cause catastrophic damage unless they're numbers are out of control. If you see little, round, black insects on the leaves, those are the culprits. They'll jump away as soon as they sense danger, and are tough to control with chemicals. But you can catch them if you're fast enough with your fingers. I just tend to try and catch/crush them whenever I see one. Again, the damage won't kill the plant, but it can make the plant slightly more susceptible to disease. I hope that helped! |
Helpful-thanks! After reading up on flea beetles, I believe you are spot on. The plants looked better today overall and are showing new growth already, so I'll simply observe for now. Have you tried DE before for this critter? |
Not really sure what you mean by "DE," so it's probable that I haven't tried it. Is it a kind of pesticide? |
DE is diatomaceous earth. It kills soft bodied insects tat come in contact with it. It's not very effective against hard bodied flea beetles who jump around. As tomahtohs said, flea beetles don't do a lot of damage to healthy plants, although in large numbers they can weaken them. If you want something organic to deal with them, consider spinosad or neem oil. |
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text:
Sleeps | 36 |
Bedrooms | 9 |
Bathrooms | 9 |
Half Baths | 2 |
Property type | lodge |
Minimum Stay | 2 - 7 nights |
During the summer you can sit on our large deck or on our beach and relax. Your children will not get bored with our sandy swim area and play ground with large swing set, slide and climbing bars. The kids will like making somores at our island fire pit, and we provide the wood. We have 3 paddle boats, 2 canoes, 1 row boat and there is plenty of fish in the lake. If you're bringing your own boat we are located 500 feet from a very nice concrete launch ramp.
The fall color tours can begin at our Lodge; you can take several two lane roads to Petoskey, Indian River and several other cities in the area while taking in the colors as you travel. For the Arnold Palmers in your group there are several world class golf courses located in the area.
In the winter the snowmobiling conditions are great; we are located in the Snow Belt and receive more than our fare share of the white stuff. We are 3 miles from the Rails for Trails by snow mobile and only 5 miles from Pigeon River Forest, we sit up on a large hill and the kids will enjoy great sledding. For the snowboarders in your family we are less than 35 miles from Boyne Mountain and one hour from the Highlands. Our large parking area will accommodate over 25 snow machines and their support vehicles.
Spring time brings Morrell mushroom hunters and spring golf. We are centrally located to accommodate your trips to the forest and the green's.
Our recreation room provides evening entertainment with a pool table, large card table, and DISH TV. All 9 of our bedrooms have 2 full sized beds and private bathrooms. We provide the linens and towels for your stay. Our kitchen is fully equipped and you can cook for a group of 50 or more with 2 gas stoves, 2 refrigerators, a dishwasher, and micro wave oven.
We are located only a few miles from one of the TOP 10 biking trails in the USA, Mountain biking in the Pigeon River Forest as noted in Mens Journal Magazine. We are a member of the Michigan vacation rental assoc.
We have a great location, remote by today's standards. We have seen several eagles as they sored above the lake, heard the call of the coyote's in the evening, the bugling of the elk when the wind is right and the call of the loons in the morning. Its really a wonderful spot to share with friends and family and quiet enough to hear yourself think.
Keywords: Lodge
To very honest with you when I first drove up the driveway to visit the property I wasn't overly impressed. I knew it was a lake front with its own island, large in all senses of the word. But when I walked into the home I immediately saw the potential of the facility. The entrance way opened up to the nine bedrooms and 11 baths with a large living area and a huge recreation room. All of that paled and became a secondary consideration, when I walked out on the deck that overlooked the lake and the island. WHAT A VIEW. It was the mid week, the first week September. It was a picture perfect day, clear beautiful blue sky, temperature in the mid seventies and quiet, so very quiet. There was no one on the lake except a couple of loons. I think that the realtor hired them for a swim by, I also think that she hired an eagle and an elk, they didn't show up then but we have seen them many, many times over the years. The house needed lots of work but I was sold on the place. I purchased it in January of 2001 and started planning what needed to be done first. Sense then we have taken on many large and small projects, always trying to improve our home and make it as comfortable as we can for our family, friends and clients.
We have one benefit that everyone seems to be looking for. We can house 35 to 40 people in the same building. We have a kitchen that's large enough to cook for them and lots of room for everyone to either get together and talk or find a quiet corner to go read a book. There are similar facilities that offer one large building and several smaller cottages spread out on the property. What our guests tell us is that our home allows them to all be in the same place, not having to go from cottage to cottage. It makes it so much simpler to enjoy everyone's company when you don't have to go next door to talk to them.
Wildlife Viewing (less than 10 miles to the largest Elk herd in Michigan), Morrell mushroom hunting, only 36 miles to Mackinaw City, 35 miles to Boyne Mountian. We are located only a few miles from one of the TOP 10 biking areas in the USA, Mountain biking in the Pigeon River Forest as noted in Mens Journal Magazine.
Rate Period | Nightly | Weekend Night | Weekly | Monthly * | Event | ||||
Non Summer Rate
Sep 2 2014 -
May 15 2015
2 night minimum stay
Summer Rate
May 16 2015 -
Sep 8 2015
7 night minimum stay
My Standard Rate
2 night minimum stay
Refundable damage deposit | $1,500 |
Tax Rate | 6.0% |
Notes | Cash, Check, Cashiers Check |
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.


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Most Popular in:
Partners Can Help with Skin Self-exam
Posted: January 17, 2007
page 2 of 2
The men and women who learned in pairs also were more likely to perceive the exams as important and to feel confident in their ability to perform the exams, the researchers found.
The study "affirms the role of partners in health care and extends it to promoting health behaviors," the researchers conclude.
Reuters Health, January 16, 2007


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Who is eligible to win this award?
All certificated teaching and non-teaching faculty. This includes all full and part-time faculty, counselors, librarians, and faculty in student services (Student Activities, DSPS and Career Center).
What are the criteria?
(Note** A teacher's assignment in class will not be accepted as a nomination)
Who may nominate?
All currently enrolled students and Cerritos College employees.
Deadline is Friday December 19, 2014.


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Hidden Shower Cam Video
By Amazing Candid Videos in Candid Nude Videos, Candid Videos, Candid Voyeur Videos, Hidden Camera Videos, Hidden Shower Cam Videos on July 23 2008
Today we have a hidden shower cam video taken inside of a public girls shower room. This hidden camera was positioned so we could see down the line of the girls showering. Its always very hot to get a voyeur look through a hidden camera into a girls shower.
Hidden Showers has one of the biggest collections of hidden shower cam videos


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Ask NM Sen & Reps to Join Problem Solvers
In January 2013, No Labels unveiled the problem solvers: a group of House and Senate members who have agreed to meet regularly to build trust across the aisle.
This group is unlike anything that has existed on Capitol Hill, where there is no forum for large groups of Democrats and Republicans to actually meet together to work through problems. Each party has its own weekly meetings, but there is no opportunity to hear from or reason with the other side. The problem solvers offers a new way forward. The problem solvers are committed to regular across-the-aisle meetings, embracing the new attitude of problem solving and being real leaders.
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1752 Vaugondy Map of Germany
Description: This is a rare and attractive map of Germany by Robert de Vaugondy. It covers the northern part of modern day Germany from Sleswick south as far as Hall and from Bremen east as far as Berlin. The map includes the circle of Lower Saxony and the states of Brunswick, Holstein, Dutchies of Mecklenburg and bishoprics of Hildesheim, and Halberstadt. The whole is superbly detailed and notes numerous towns, rivers, cities and a host of additional topographical features. A beautifully engraved title cartouche adorns the lower right quadrant of the map with a coat of arms surrounded by floral ornaments and animals. Issued in 1752 issue of the Atlas Universal. The Atlas Universal was one of the first atlases based upon actual surveys. Therefore, this map is highly accurate (for the period) and has most contemporary town names correct, though historic names are, in many cases, incorrect or omitted.
Date: 1752 (dated)
References: Rumsey 3353.059. Pedley, Mary Sponberg Belle et Utile: The Work of the Robert de Vaugondy Family of Mapmakers, 261, state 2.
Cartographer: Gilles (1688 - 1766) and Didier (c. 1723 - 1786) Robert de Vaugondy were map publishers, engravers, and cartographers active in Paris during the mid-18th century. The father and son team were the inheritors to the important Sanson cartographic firm whose stock supplied much of their initial material. Graduating from Sanson's map's Gilles, and more particularly Didier, began to produce their own substantial corpus of work. Vaugondys were well respected for the detail and accuracy of their maps in which they made excellent use of the considerable resources available in 18th century Paris to produce the most accurate and fantasy-free maps possible. The Vaugondys compiled each map based upon their own superior geographic knowledge, scholarly research, the journals of contemporary explorers and missionaries, and direct astronomical observation - moreover, unlike many cartographers of this period, they commonly took pains to reference their source material. Nevertheless, even in 18th century Paris geographical knowledge was severely limited - especially regarding those unexplored portions of the world, including the poles, the Pacific northwest of America, and the interior of Africa and South America. In these areas the Vaugondys, like their rivals De L'Isle and Buache, must be considered speculative geographers. Speculative geography was a genre of mapmaking that evolved in Europe, particularly Paris, in the middle to late 18th century. Cartographers in this genre would fill in unknown areas on their maps with speculations based upon their vast knowledge of cartography, personal geographical theories, and often dubious primary source material gathered by explorers and navigators. This approach, which attempted to use the known to validate the unknown, naturally engendered many rivalries. Vaugondy's feuds with other cartographers, most specifically Phillipe Buache, resulted in numerous conflicting papers being presented before the Academie des Sciences, of which both were members. The era of speculatively cartography effectively ended with the late 18th century explorations of Captain Cook, Jean Francois de Galaup de La Perouse, and George Vancouver. Click here for a list of rare maps by Gilles and Didier Robert de Vaugondy.
Size: Printed area measures 21.5 x 20 inches (54.61 x 50.8 centimeters)
Scale: 1 : 735000
Condition: Very good. Original platemark visible. Minor wear along original centerfold. Light foxing.
Code: Germany-vaugondy-1752 (to order by phone call: 646-320-8650)
Tags: Vaugondy , Central Europe


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ADIsim Design/Simulation Tools (1)
ADIsimSRD Design Studio
Analog Devices ADIsimSRD Design Studio is a very powerful tool allowing real-time simulation and optimization of many of the parameters in a typical wireless system using the ADF7xxx family of transceivers and transmitters.
Evaluation Software (1)
ADF7023 Evaluation Board Software
(zip, 114081 kB)
This software controls the operation of the ADF7023 and ADF7023-J evaluation boards. Right click on the above link and choose "Save Link As" (Mozilla / Netscape Navigator) or "Save Target As" (Internet Explorer). Once the file "ADF7023 RevX_FULL.exe" has been stored locally, double-click it to install the software.


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30,642 Dojo and growing
Helping people find Dojo since 2004
Currently online: 1533 Visitors
Most of these Martial Arts Studios, clubs and gyms offer Karate classes for kids or Self Defense classes for children, men and women in Northwest area. If you are looking for classes or lessons near your address in Northwest, please use the following search box and see a list of Martial Arts Schools, clubs and organizations near you.
See Martial Arts Schools and classes in places around Northwest, Indiana: Northwest Township, West Baden Springs, French Lick, Huron, Williams, Shoals, Orleans.
If you are associated with a Martial Arts School in Northwest, please list it with dojolocator.


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Apr 24, 2013 By Debbie Phillips-Donaldson
Among 2,000 pet owners surveyed online in March, 72% agree that their pets have a positive impact on their physical health, and 79% agree their pets have a positive impact on their mental health, according to Packaged Facts.
Out of many interesting and impressive numbers emanating from Petfood Forum last week, those data, delivered by David Sprinkle, publisher and research director for Packaged Facts, stood out -- not least because they served as a precursor to the closing keynote by Bob Vetere, president of the Human Animal Bond Research Initiative (HABRI) and American Pet Products Association, who spoke about key areas of research HABRI is focusing on to scientifically validate the benefits of pet ownership for humans.
Sprinkle, Vetere and other speakers presented many noteworthy numbers, including:
Finally, Petfood Forum itself included more than 1,330 participants (from over 30 countries) and 257 booths, both records.
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We have found some free the battle of algiers videos and pictures.
Outside the Law Algeria's war for independence became docu-dramatic in The Battle of Algiers , only four years after President Charles de Gaulle cut Algeria free from "metropolitan France." That classic's dominant figure was a French colonel. Source: San Diego weekly Reader
The 101st also helped defend Bastogne during the Battle of the Bulge. Historian Stephen Ambrose interviewed Easy Company leader Dick Winters for the 1992 book "Band of Brothers," upon which the HBO miniseries that began airing in September 2001 was based. Source: New Orleans Times-Picayune
Besides the battle with al-Qaida's local franchise ... Algerian flag on a balcony of the party headquarters where the march was to begin in the capital, Algiers. Riot police, backed by a helicopter and crowd-control trucks, ringed the exit to ensure ... Source: Huffingtonpost.com
His first book of poems, Far From Algiers, won the Stan and Tom Wick Poetry Prize from Kent State University in 2007 and was published in 2008. It won the International Book Award in 2010. His novella, Artemisia`s Wolf, will be published by Prakash Books ... Source: Student Operated Press
And former Gitmo detainees are locked in a courtroom battle with Britain's domestic and foreign intelligence agencies over the use of secret evidence in court ( Guardian , Guardian Source: Foreign Policy
IT IS 11:30 p.m. in Ilhaddaden, a popular quarter in the new center of Béjaïa, a city in the Kabyle region situated in the east of Algiers, the confrontations between protesters and riot police have not abated. Not more than 20 years old, these young ... Source: Socialist Worker Online
In addition to the Beethoven concerto, the orchestra, under the direction of Stephen Gunzenhauser, also will perform Brahms' Symphony No. 1 and Rossini's "Italian in Algiers" Overture. We welcome opinions and information from all points of view. Source: Lancaster online.com
Besides the battle with al-Qaida's local franchise ... flag on a balcony of the party headquarters where the march was to begin in the capital, Algiers. Riot police, backed by a helicopter and crowd-control trucks, ringed the exit to ensure marchers ... Source: Mohave Daily News
Upon his arrival at Algiers Airport , Sharer exclaimed: "Out of sight, man! Out of sight." Incredibly, all 52 came back alive. All over the country, churches and synagogues offered prayers of thanks. Americans rang bells and tied more yellow ribbons ... Source: Richmond Times-Dispatch
NEW ORLEANS -- Judge Dennis Dannel, the chief judge of Orleans Parish Traffic Court and an attorney remembered for his role in notable cases, including the Algiers Seven police corruption trial, died Friday of cancer. He was 67. Dannel, who also served as ... Source: WWL-TV


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Bringing an authentic slice of Paris to the streets of New Farm is Bistro Arlette. The brainchild of chef/owner Linton Smith, this suburban gem exudes Parisian chic with panelled timber walls, black-and-white chequered tiles and a classic French provincial menu. A well chosen list of French, Australian and New Zealand wines caps things off to perfection.
* Please note: These rates are indicative based on the minimum and maximum available costs of listed products and services. To obtain a firm price from the provider, please use the contact the operator. All prices are quoted in Australian dollars.


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Tired of your kids dominating the family games console? Then you're going to love the Skylanders Trap Team Tablet Starter pack.
The child-friendly pack is designed to let your darling offspring/snot-nosed oiks get the full Skylanders experience on an iPad, Android device or Kindle Fire, with no need for them to interrupt Daddy or Mummy's marathon Call Of Duty: Advanced Warfare session on the Xbox One.
Each pack comes with a controller, two Skylander characters, two Trap pieces and a Traptanium Portal - a plastic stand kitted out in flashing LED lights which reads the RFID chips embedded in the base of collectable figurines. Slot one of the Traps into the portal and you'll be able to 'trap' enemies within the game, turning them into playable characters, with the option to switch characters mid-game.
As players build up the whole set, each character is transported into the Skylanders world the minute the figurine is placed on the portal.
Once summoned, gamers have the option to either use on-screen controls, or they can dock their tablets into the side of the portal stand and use a physical Bluetooth controller - with thumbsticks and rear triggers - to progress through the game.
Both the controller and portal will work across iOS, Android and Kindle Fire devices, so there shouldn't be any compatibility issues when Android children cross over to Apple territory on a play date.
More after the break...
Having seen the game running on an iPad Mini with Retina Display in the flesh here at Gamescom 2014, we can vouch for Activision's claim that the tablet version is graphically just as impressive as its Xbox One and PS4 counterparts.
You can even hook up your tablet of choice to a TV, essentially turning the whole package into a very portable, hassle-free games console.
The starter pack will be available to snap up from 10 October for £65 (RM349), while individual Trap Master toys can be picked up for £15 (RM81). Core Skylander toys will have a £10 (RM54) price tag, while Trap toys will be £6 (RM32).
A free trial of the tablet version will also be available to download from the 10th October, so that young gamers can test it before buying. It'll come with a few in-built characters, but Activision is obviously hoping that once hooked, your kids will demand the full experience, figurines and all.
In the meantime, we're going to have a nice long grumble about how all we had to play with in our day were sticks, rocks, and bees.
READ MORE: Call of Duty: Advanced Warfare preview with multiplayer-hands-on


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ENG 080 Communication Skills
Individualized and classroom study based on the student's need to develop basic reading skills, study and listening techniques and the fundamentals of writing. The course permits the student to practice new skills under the supervision of instructors who provide direction and feedback. At the end of the semester, students are expected to demonstrate significant improvement.
- Prerequisite: None
- Hours: 9
- Credits: 0
Course offered every spring and fall, day and evening. 4 classroom hours (non-degree credit) plus a minimum of 5 additional hours devoted to reinforcement of reading and writing skills plus computer assisted instruction (registered as a credit-free activity).


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No one knows Dickens quite like Snoop Dogg… er… Lion.
In partnership with Adidas, the rapper-turned-Rastafarian has graced us with a stirring animated rendition of A Christmas Carol. The video, illustrated by Beavis and Butthead's J.J. Sedelmaier, tells the story of Ebenezer Snoop, a former gadabout who's lost his holiday mojo. Dickens' notorious Christmas ghosts — portrayed here, somewhat inexplicably, by sports greats Stan Smith, David Beckham, and Derek Rose — take Snoop to parties throughout time and show him the error of his ways. Rap puns abound ("Bah! Humbizzle!") and the malt liquor flows like eggnog – imagine the Christmas fable by way of Don't Be a Menace and you'll get the idea. And, you may notice, the runtime is exactly 4:20. Coincidence? I think not.


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WPDFD Issue #12 - March 01, 1999
There is something nice about a blank, white sheet of paper. There is nothing there but potential. The same goes for a blank computer screen - just select New... from the File menu, but then what? It can be intimidating, it can be exciting, but beginning a new project from absolutely nothing and nurturing and cajoling initial ideas into full fruitfulness is what the creative process is all about.
The first part of any design task is to identify the problem. The client may have identified the problem and presented it to you as a design brief. More likely, they haven't. Sure they may know they have a problem, but they don't quite know what it is and certainly don't know how to go about fixing it. One scenario is that they think they want/need a Web site - but don't know why or what to expect of it.
The very first part of any design project to identify the objectives and scope of the job in hand. If you don't have a concise brief from the client, write it yourself. If the objective is not clear, it is impossible to satisfy it. It may be that there is more than one objective, in which case you have to prioritise the objectives in a sensible way. It may be that you need to explore a number of confused or related objectives before deciding on which is the right approach.
It is very easy to be swayed by preconceptions. The clients may have seen something that they like and want the same for themselves, or something along the same lines. You might have this great idea you have been dying to use for ages, and this could be the big chance ... No, avoid preconceptions. No two problems are exactly the same. Unique problems require unique solutions. The trick is to identify what is unique about this particular problem.
A few months ago, I wrote about how different designers have different strengths and weaknesses and how you can map their skills on a notional prism. Your skills may be in illustration, or typography, or in lateral thinking - it takes all sorts. The chances are, that you have been chosen for a particular design job because the client likes your previous work. They probably want you to communicate a message about their product or service in your particular style.
The 'idea' is the intellectual element of the communication. You can have an idea with no style whatsoever - a lot of advertising material falls into this category, it is blunt and to the point and there's not much wrong with that. But, in a competitive situation, it is style that differentiates products making them memorable, emotively desirable - and ultimately, successful.
When faced with creative constipation, most designers will head straight for the bookshelf and start flicking through design annuals looking for inspiration - I do it myself. This is okay if it is inspiration you are after and you are not just looking for someone else's ideas or layouts to copy. Remember, those design you are looking at in the books are solution to different problems and unlikely to be the answer to yours.
Quite often I get people write to me and say, Hey Joe, (I'm sick of that one for a start,) is it okay if I use your background on my site? No, it bloody isn't!!! The background and graphics elements I created for my site give it a unique graphical style and they won't be unique if other people start to use them. And their sites won't be unique because they used the style of another well known site.
There are dozens, if not hundreds of site layout styles that we see over and over again. You can call them, 'tried and tested', 'popular styles', 'classic looks', 'Style #14b' or whatever. Yes, it is difficult, if not impossible, to be totally original but the fact is that people take shortcuts for reasons of time pressure, budget restrictions or simply because they don't have an idea in their heads!
I find that my computer is the main barrier to design. Ideas are light, wispy things. They waft by on the breeze like flutterbies, much more easily captured with a pencil and paper than by thirty pounds of plastic, steel and silicon. No matter how 'user friendly' your system, the computer forces you into thinking its way - it may be subtle, but you have to learn to use the computer to realise your ideas in the most transparent way possible.
They say a bad workman always blames his tools - yes, it no good blaming your computer or software if your work is below par. Bad workmen often choose the wrong tools to begin with. A Swiss Army Knife may get you out of trouble in an emergency, but it is not a substitute for a proper tool kit. Too many software programs are Swiss Army Knives, packed to the brim with 'features' but not particularly good at anything.
In Web design, certain tools are essential. You need a WYSIWYG HTML editor. I don't really believe that graphic designers can produce a decent page using a pure text editor only. There are plenty of products to choose from at a variety of price points with varying emphasis on layout accuracy and code efficiency. You also have to have a good Web graphics program. The ubiquitous Adobe Photoshop may be good for creating images, but it isn't the best tool for optimising Web graphics.
When it comes to producing copy, like this article for instance, I could sit down with Microsoft Word and just type topdown, but I don't. I use an ancient Mac program called Acta which is more of an 'ideas processor'. I can throw in lots of disjointed thoughts initially and then rearrange them by simply dragging and dropping on the screen. I can construct a skeleton of the article, and then go in and fill-in the details.
I will usually prototype a Web page in Photoshop or Illustrator where I can use the layers to show or hide alternative elements, moving them about the page until I get a 'look' that I am happy with. Having done that, I will produce the final images in GIF or JPEG format before taking them across to Macromedia's DreamWeaver/BBEdit for assembly and coding. I will then 'publish' the pages using Apple's Web Sharing control panel so that I can see what they look like in Netscape and Ms Internet Explorer version 3 and 4 on my PC.
Now, before rushing off to show your client your wonderful new creation, stop. Think! This is the point where you have to stand back from your work and give it the acid test. This is where you have to try and take your client's point of view as best you can - it's not easy, but ask yourself these questions. Does the answer meet the brief? Have you 'bent' the brief to fit in with a preconceived idea?
Before presenting your ideas to your client, draw them into your thinking gradually. Shock tactics are all very well, but can spring unfortunate defence mechanisms. Remind the client of the brief that you agreed upon. Show that you have identified the problem and drop a few hints about a possible solution or solutions that you considered, but rejected for some good reason. It may be that you want to illustrate some of these rejected ideas, that makes the case for the final solution a much stronger one.
No, it's not some new Web design software that you haven't heard of yet. Solitude is sometimes confused with loneliness but it's not the same at all. You can be lonely in an office full of people, but you won't have solitude. Solitude is like putting your environment into neutral gear so that you are not distracted when you are trying to think. I live and work in London, UK right below the flight path to Heathrow, probably the World's busiest airport yet solitude is not hard to find.