text:
Rajasthan Chief Minister Ashok Gehlot announced a slew of measures for welfare of common people, including farmers, while presenting the Budget for 2010-11 in the State Assembly on Tuesday. He affirmed that the main thrust of the Budget was on good governance and accountability, besides better delivery of services.
This was the second Budget presentation by Mr. Gehlot, who also holds the Finance portfolio, during his second stint as the Chief Minister.
Mr. Gehlot's two-hour-long Budget speech announced more finances and powers for the Panchayati Raj Department for rural development, schemes for the agriculture sector, women-oriented plans, new water policy and solar energy policy and the establishment of a Food and Civil Supplies Corporation and a Public Grievances Redress Commission.
The budgetary announcement for supply of wheat at Rs.2 per kg to the families living below poverty line drew applause from the treasury members. Mr. Gehlot said the State Government would provide a subsidy of Rs.170 crore for the purpose and implement a coupon system to make the scheme a success.
Mr. Gehlot said the Police Commissioner system would be introduced in Jaipur and Jodhpur and additional powers given to the police for maintenance or law and order. A special insurance scheme will be brought into force for the police personnel working in anti-terror, anti-sabotage, bomb disposal and emergency response wings.
In a fresh initiative for progress of the Gujjar community amid legal wrangling over reservation, Mr. Gehlot announced a special package of incentives for students belonging to the nomadic tribe to help them get higher and technical education and compete successfully for the Government jobs.
While a legislation providing a special quota to Gujjars, Raibaris, Banjaras and Gadia Lohars has been stayed by the Rajasthan High Court, the Budget made a provision of Rs.25 crore for post-matric scholarships and financial assistance from Rs.50,000 to Rs.1 lakh to the youths from these communities preparing for competitive exams. A corpus of Rs.22 crore will also be available for them with the Deonarain Board.
For the minority communities, a new Dastakaar Yojana will provide training in various streams of artisanship, while a girls' hostel will be constructed in Jaipur and industrial training institutes opened at five places. The Budget made a provision of Rs.2 crore for madrasas and Rs.50 lakh for the Waqf Board.
Mr. Gehlot said the State Government would pay subsidy amounting to Rs.1.50 crore to the women's self-help groups disbursing loans for self-employment ventures. Besides, Rs.10 crore will be spent on a scheme for providing hot meals to women arriving at Community Health Centres for deliveries.
The Chief Minister announced a substantial increase in the rates of old age, widow and disabled pensions as well as ambitious plans for expansion of the road network, strengthening the irrigation sector, extension of veterinary services and production of 10,280 MW power by the end of the 12{+t}{+h} Five Year Plan.
The Budget also announced interest waiver on payment of outstanding principal amount of loans by farmers in the colonisation areas till December 31 this year and establishment of a "Mela Authority" to ensure safety and security of pilgrims and tourists.
Keywords: Rajasthan budget, subsidy, Self Help Groups


text: > View Product Details Please select the size of the product. Please enter valid quantity. John Varvatos black leather lace up 'Tahoe Work' boots overview details Retail: $898.00 Reduced: $700.99 $700.99 color : We're sorry. This style is currently unavailable. Black Put a military inspired spin on your everyday outfit with these John Varvatos lace up leather boots. Color: Black Smooth leather upper Upturned, round toe Lace up vamp Canvas gussets at sides Pull tabs at sides and back Leather lining; treaded rubber sole 1'' heel Boot shaft measures 6�'' tall All measurements are approximate Leather; Italy; style#321004001

subset: commoncrawl


text:
US OPEN 2014 R1 Roger Federer vs Marinko Matosevic
Empezamos con repaso del US OPEN muchas sorpresas las reviviras por este canal Suscribanse,Like,Comenten...
- published: 10 Sep 2014
- views: 110
Australia's Marinko Matosevic ended Marin Cilic's attempt to reach a third consecutive Queen's Club final at the first hurdle with a surprise 6-4, 6-4 victory on Tuesday. Cilic won the Wimbledon warm-up tournament in 2012 when his opponent...The Times of India 2014-06-10
AUSTRALIA'S top male tennis player is finally starting to act like it. For the first time Marinko Matosevic will allow himself to enjoy the luxury of using tournament cars...The Daily Telegraph Australia 2012-12-21
Share PhotoReddit✉ Britain's Andy Murray returns the ball to Australia's Marinko Matosevic during their second round match of the French Open tennis tournament at the...U~T San Diego 2014-05-29
Australia's new top ranked tennis player Marinko Matosevic. Photo: Pat Scala Unheralded Australian No.1 Marinko Matosevic has revealed tennis icon John Newcombe as the...Canberra Times 2012-12-19
Like World News?
View gallery Michael Jordan talks with Mirka Federer before a match between Roger Federer, of Switzerland, and Ma … View gallery Roger Federer, of Switzerland, jumps as he serves to Marinko Matosevic, of Australia, during the fir … View gallery Roger Federer, of Switzerland, serves to Marinko Matosevic, of Australia, during the first round of … View gallery Marinko Matosevic,...Yahoo Daily News 2014-08-27
• Murray beats Marinko Matosevic to reach last eight ...The Guardian 2013-06-13
After Marinko Matosevic took exception to this column's reference to his nickname ''Mad Dog'' at the Sydney International last week, Foot Fault decided to venture out to showcourt two to watch him in action. What started as a light-hearted joke has now turned ugly after Matosevic imploded during his first-round match against Kei Nishikori of Japan. Not only did he take aim at...Sydney Morning Herald 2014-01-14
The frustration of a first round loss in searing heat at his home Australian Open told on 54th-ranked Marinko Matosevic, who took exception to his coach's lack of support and fans calling him 'mad dog' during his marathon five-setter on Tuesday. Bosnia-born Matosevic extended his winless streak at grand slams to 12 with a 6-3 5-7 6-2 4-6 6-2 loss to 16th-seeded Japanese Kei...Reuters 2014-01-14
Marinko Matosevic's unforced errors was his downfall. Photo: Getty Images It took more than four hours. It took a 70th unforced error from Marinko Matosevic to decide, after two match points had already been saved. It was a dramatic, emotional, crazy-at-times five-set marathon against Frenchman Jeremy Chardy at Wimbledon. And it will take the 28-year-old Victorian some time to...Canberra Times 2014-06-25
LLEYTON Hewitt has turned back the clock with a sublime grasscourt display to beat world No 10 Stan Wawrinka and storm into Wimbledon's second round. The 2002 champion belligerently defied the odds to oust the Swiss shotmaker 6-4 7-5 6-3 with a precious reminder of timeless skill. Former world No 1 Hewitt had not beaten a top 10 player in grand slam battle since trouncing...The Australian 2013-06-25
Marinko Matosevic returns to Dustin Brown of Germany. Photo: Getty Images Marinko Matosevic's five-year, 12-match yearning for a maiden grand slam victory has ended, and, yes, the celebration was worth the wait. He dropped his racquet, lay on his back and rolled towards the net like a lamington in coconut, covering his weary, relieved body in red clay. Matosevic shook hands...Canberra Times 2014-05-27
Marinko Matosevic (Croatian: Marinko Matošević) (born 8 August 1985) is a professional Croatia-Australian tennis player. His highest ATP singles ranking is No. 89, which he reached on May 21, 2012. His career high ranking in doubles was No. 541, set on September 28, 2009.
Matosevic was born in Jajce, SR Bosnia and Herzegovina, Yugoslavia. He emigrated to Australia in his childhood and competes for his adopted country.
From the age of 13 Marinko trained under Jay Salter at the Universal Tennis Academy in Melbourne, Australia.
Matosevic currently has five futures titles and two ATP Challenger titles to his credit. His biggest title was in July 2010 at the $75,000 Comerica Bank Challenger in Aptos, California where, in a heated match with American Donald Young, he won the title in straight sets.
In January 2010 he played his first Grand Slam match in Melbourne at the Australian Open and lost in the first round.
He entered the 2010 BNP Paribas Open, in Indian Wells as a qualifier. He beat Michael Llodra 6–3, 6–0 in the first round before losing out to #9 seed Tsonga 1–6, 3–6.


text:
David Daniels | May 9, 2011 | Comments
Consumers require different methods to be seduced into allowing a brand to remain in their lives.
Recently I heard one of the funniest and misguided pieces of advice that I have ever heard given, which was that "Relevance Is Overrated." Why did I think this simpleminded advice was so flawed? For years in the countless studies done by multiple firms, consumers are clearly most annoyed when the email they receive is not relevant. Further studies I did last year also show that consumers will reward relevant brands with their spending and with more information about their preferences. Let's take these data points from a survey of 1,001 consumers that my firm ran in November last year.
Much of this is included in my firm's Social Inbox research, but even from these few data points it is clear that consumers act negatively when marketers do not send targeted relevant messages or even if they do so they send too many messages too frequently. I've suggested in our Connected Marketing Framework that firms must begin to measure the value of their programs by the customer experience. One measure of the customer experience is if the brand is sending targeted relevant messages that are deemed valuable by the end user versus those that send the same message to every subscriber. This brings me to another couple data points from my firm, this time a survey of marketing executives, which found the following:
However, let's suggest that survey data can always have a +/-3 percent difference, so we could suggest that it is flat year over year. That marketer sophistication in driving relevance forward hasn't grown at all. Any way that you look at the data, it suggests that 50 percent of email marketers blast the same message to their audience over and over again without ever targeting those that are engaged versus those that are not engaged. Delivery reputation and the inbox disposition of the marketer's message are increasingly being determined mailing to dormant email accounts. There is no way of understanding who is dormant or not, if you as a marketer aren't actually looking at that data and using it. So if you have bad delivery and low customer engagement and are not practicing relevance-empowering tactics, such as segmentation, targeting, and testing, then you deserve the weak results that you are getting.
So what is relevance anyway? At my firm, we define relevance as "the intersection of content and context that is metered by frequency." In action, that would be the right message at the right time in the right channel. The dictionary defines it as, "bearing upon or connected with the matter in hand; pertinent."
Clearly audience segmentation is key to not only driving relevance forward, but also the value that the email marketing program delivers to the organization and to the customer. This can be measured in costs, revenue, and profits. A study that I wrote late last year for Acxiom (disclosure: Acxiom is a client of my firm), "The Value of Email Marketing," illustrates this, actually showing the cost to generate a dollar even from the inexpensive email channel is higher for marketers that do not segment or target their subscribers. That is for you, the 50 percent of email marketers that don't practice relevance through segmentation and targeting, your programs are costing you a lot more than you might realize. The following is a graphic from that report, which can be downloaded for free with registration here.
Remember, even though consumers might be interested in what you have to offer, we as individuals are all different. We require different types of methods to be seduced into allowing a brand to remain in our lives, let alone advocate for a brand. This requires relevance-empowering tactics such as segmentation and targeting.
In future articles, I will be discussing the steps to remain relevant, from acquisition tactics to gathering and honoring subscriber preferences to content tactics that will advance your relevance on social networks.
Until then, keep on pursuing relevance!
Want to learn more?
Attend ClickZ Live New York March 30 - April 1. With over 15 years' experience delivering industry-leading events, ClickZ Live brings together over 60 expert speakers to offer an action-packed, educationally-focused agenda covering all aspects of digital marketing. Register today!
For more than 20 years, David has been an industry proponent. Direct Magazine said David is "one of the most influential experts in email marketing, if not the most influential." Co-author of "Email Marketing An Hour A Day," David has held senior level positions at Forrester and JupiterResearch, Apple, Anthropologie, MacWarehouse, Proteam, and retailers that dotted the early days of CompuServe. David advises many industry organizations including the OTA, DMA, eec, and has been a contributor to the Weekend Today Show on NBC. Learn more about connected marketing and download free research with registration here. Follow David on Twitter @emaildaniels and learn more at www.relevancygroup.com.
Mar 30-Apr 1, 2015
June 23-25, 2015
July 9, 2015
August 10-12, 2015
September 8-10, 2015
Hong Kong, May 5-6, 2015
A Buyer's Guide to Affiliate Management Software
Manage your performance marketing with the right solution. Choose a platform that will mutually empower advertisers and media partners!
Google My Business Listings Demystified
To help brands control how they appear online, Google has developed a new offering: Google My Business Locations. This whitepaper helps marketers understand how to use this powerful new tool.
May 6, 2015
12:00pm ET/9:00am PT


text:
The public is invited to enjoy Bingo Schmingo music, a lively musical presentation full of interactive songs, stories and dances.
Three free educational seminars concerning estate and long-term care planning, probate, and living trusts will be presented during January by attorney Gina B. Leguira at the Manteca Branch Library.
By DENNIS WYATT
By DENNIS WYATT
By DENNIS WYATT
By DENNIS WYATT
Most Manteca new home builders aren't even breaking even these days on their investment despite enjoying a robust year in comparison with the rest of San Joaquin County.
Davy Crockett and Daniel Boone were among the great frontiersmen in early American history.
"Cissy" of "Family Affair" fame is speaking in Manteca during the eight annual Women's Connection networking event on Friday, Feb. 5.
LATHROP – Retired Lathrop farmer-turned community activist Dan Doyle wants to see the city's monthly $1,200 subsidy to The Lathrop Rush stopped right away.
The Give Every Child A Chance Antone E. Raymus 11h Annual Bowl-A-Thon will be held Saturday, Feb. 27.
John Scharf has more than a few things that he can look back on with a smile.
RIPON – Joie Darretta had heard rumblings about how much fun being involved with the annual Almond Blossom Queen Court can be.
How much does a police department cost?
There was a time if you called 9-1-1 from a cell phone that law enforcement wouldn't have the foggiest idea of exactly where you are calling from.
Is Manteca the next Castroville?
A water conservation coordinator is being sought by the City of Ripon to keep an eye on water use in the community.
The St. Vincent de Paul Society has helped untold number of needy families and individuals in Manteca and surroundings for decades. Young men studying for the priesthood have been able to continue pursuing their religious vocation, thanks in part to the assistance provided by the Bishop's Seminarian Fund of the Diocese of Stockton. And a number of area youth have been able to play in Little League with the help of generous donations from organizations whose mission is to step up when there's a need.
The third $100 Manteca Bulletin Easter Egg was found in a bush and behind a sign at the Promenade Shops at Orchard Valley.
A pending deal that temporarily relaxes salinity and dissolved oxygen standards in the San Joaquin River at Vernalis south of Manteca could prevent the Stanislaus River from going dry this year plus give South San Joaquin Irrigation District some breathing room.
Six home gardens will be featured in this year's annual Manteca Garden Tour. These private Edens range from modern and with state-of-the-art features located in Woodbridge at Del Webb on North Union and the gated community of Primavera in northwest Manteca, to a vintage home with a rustic ambience on East Louise Avenue.
The City of Lathrop has money.
On an agenda the item seemed pretty routine.
To save lives and educate all Californians, especially young drivers, about the dangers of distracted driving, the California Office of Traffic Safety (OTS), California Highway Patrol (CHP), Impact Teen Drivers, and more than 200 law enforcement agencies statewide are working together on increased education and enforcement efforts for National Distracted Driving Awareness Month in April and California Teen Safe Driving Week, the first week of April.
Manteca could have a state-of-the-art outpatient surgical center by early 2016.
The sound of pins crashing against one another, the faint aroma of fryer food and hundreds of pairs of shoes fill Charlotte Black's work space.
A two-year-old child with only diapers on was seen walking near a Black Lab Monday noon in the middle of Alameda Street causing motorists to pull to the side of the road for the child.
Bob Piccinini - the Manteca High graduate who parlayed his family's first grocery store they opened in Manteca into a chain of 243 stores throughout Northern California and Northern Nevada - passed away Tuesday. He was 73.


text:
New day. New Daily Deals. Get them before they are gone!
Can't find what you're looking for? Shop all ink and toner cartridges by brand
New Customer ? Start Here.
New day. New Daily Deals. Get them before they are gone!
Item: 271543 Model: 2CPB5THYUU2ZV2A
Stellar Phoenix CD DVD Data Recovery is an easy, reliable and efficient utility to recover data from physically damaged or incorrectly burnt optical media such as CD, DVD, BD, and HD DVD. This tool recovers data from optical media burnt on Windows, Linux, UNIX, and Mac based machines very efficiently. The software supports ISO 9660, Joliet, ISO 9660:1999, UDF Packet Writing, UDF, HFS, IFO/VOB Video, and Rock Ridge file systems.
|Number of Licenses
|Operating System
|Computer Software Format
|Music & Video Editing Software Type
Full system backup is made the easiest ever, plus powerful database backup Download Size (in MB)20.75Download TimeCable Modem: 0 ...
Recovers your sensitive data stored on RAID 0, RAID 5, and RAID 6 servers. It can build a virtual RAID for you (in case of ...
Stellar Phoenix Mac Data Recovery V6.0 helps you recover lost, missing or deleted files and folders from Mac drives and other ...
Download Size (in MB)
Download Time
Cable Modem: 5 mins, 35 seconds :: DSL: 13 mins, 59 ...
Safely Copy & Protect Everything on Your PC! Download Size (in MB)155.97Download TimeCable Modem: 5 mins, 11 seconds :: DSL: 12 ...
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2014, Staples, Inc., All Rights Reserved.


text:
Hybrid of Oil Furnace Forced Air and Heat Pump
Hello Everyone,
I need to figure out if I can set up a more efficient heating system in Virginia.
Currently I have a forced air oil heating system which has been installed in the 1970s, and a 4 ton Trane AC system. I want how I can replace the AC unit with a heat pump unit of the same size. This will aid my oil heat and saves me some bucks.
There are a couple of things that I can't seem to get a direct answer for:
1. new system's thermostat. How can I run the heat pump ALL THE TIME and the oil furnace when necessary? what type of thermostat do I need?
2. if I add a heat pump, will I have added air flow when running on HEAT? I don't think my ducts can handle extra air flow.
I would appreciate any directions.
I think I understand what you want. HVAC is not my trade, so others may chime in with better information. I think you want dual-fuel controls. The heat pump would do the heating alone until the outdoor temp dropped to the preset level and then the oil furnace would take over the heating. They would not both operate simultaneously. Mine with propane furnace backup is set at 28 deg. Propane heats at outdoor temps of 28 deg and below. I would argue that setting higher than 32 degrees is a mistake. Depending on the setup of the air handler, the heat of the furnace added to the air stream over the heat pump indoor coil while operating could send refrigerant pressure to levels that would damage the system. So the dual fuel controls operate one or the other, depending on the outdoor temps. The degree-day system for scheduling oil keep-fill service refills will not work as before and you may have to check the tank oil level yourself and request fillups as necessary.
Ok - why do you want to run both at the same time? That would be too much airflow as you realize. I am all about doing wacky things that make HVAC people cringe but I don't see the point. I mean I see the point but you can't do it.
Now you could build a seperate duct system. You could just beef up your current duct system but you have the possibility of overheating things if you do this.
What you really should do is get a heatpump that can work to low temps and remove the oil furnace. But I don't know your electric rates or your climate, but in much of the country, electric strips would be cheaper to run than an old oil furnace. If you aren't in the mountains, then a heatpump could probably work 98% of the time.
My assumption, and my comments were based on that, was that the furnace (blower) would serve as the air handler. The idea of running the furnace simultaneously could have been the hope that the heat pump would provide some heat even if the outdoor is 15 deg. and the oil furnace would supplement that. I already explained as best I understand why that might be a bad idea. If two separate systems not sharing an air handler or duct work, run them as you desire. But I would not want that for my house.
Run your new heatpump system most of the time. Hopefully your house isn't leaky and has some insulation in the attic. If that is the case, you should be able to run your heatpump down to 25 degrees and keep a pretty good comfort level the vast majority of the time.
At or below the level of comfort you would run the oil heat. You won't be running the oil heat and heat pump 'at the same time'.
Thank you all. I think I got my answer. agreed -- the heat pump won't be much of a use at 15 degrees anyway!
@david_cary: in my area, heat-pump only does not do the job in the months of December thru february.
@neohio: if someone from NE Ohio tells me that I can run heat pump down to 25 degrees, I should definitely keep it in mind!
-- Mohseng
Its very possible. I'm about 10 miles south of lake Erie. It gets cold hear. I have a high efficienc single stage heat pump and a gas furnace. I've run the heatpump down to 20 in the past. I prefer to run the heatpump at 30 and above for comfort reasons but they maintain comfy inside temperatures lower than that. It depends how good/bad your house is insulated.
In your situation of having oil as the backup, I would run the heatpump down as far as possible. Remember heatpumps are good at maintaining temperature but not bringing it up.
I am also purchasing a heat pump and replacing the central AC unit as primary source of heat with oil hot air as back-up. My question is can I use the present control board with the oil furnace or do I need a new control board to accomodate my new high efficiency heat pump and its interaction with the furnace blower? Thanks


text:
|Forgotten Georgia in thick of championship race
|Written by Admin
|Tuesday, 20 November 2012 13:32
The star quarterback knew what that meant for the Bulldogs - a shot at the national championship.
Funny thing, though. Outside of the state of Georgia, hardly anyone is talking about the Southeastern Conference's other title contender. Instead, everyone is gushing about the possibility of two storied programs - Notre Dame and Alabama - playing for No. 1.
Georgia, it seems, is just an afterthought.
Murray and his teammates don't mind being an underdog. In fact, the third-ranked Bulldogs are using it as motivation.
But this much is clear: Georgia has the same part to the championship as the top-ranked Fighting Irish and second-ranked Crimson Tide.
Win out. Win it all.


text:
Twitter Feed
- Adorable Babies
- Around the Office
- Babies
- Baby Showers
- Back to School
- Birth Announcements
- Birthday
- Business
- Contests and Promotions
- Corner Cube
- Deal of the Day
- Decor Delights
- Designs
- Designs & Stationery
- Eco-Friendly
- Etiquette
- Facebook Polls
- Friday Favorites
- General Information
- Graduation
- Greeting Cards
- Holidays
- Home Decor
- Home Office
- In the News
- Inspiration
- Inspiration Boards
- Kids
- Laura's Picks
- Mom Talk
- Parties
- Photographer Spotlight
- Stationery
- Storytelling
- Summer
- The Gratitude Challenge
- Things Kids Say
- Things to Know
- Tiny Tidbits
- Trends & Ideas
- Wall decor
- You Tell Us
TAGSAdorable Babies adorable baby pics baby baby shower baby shower invitations Baby Showers back to school birth announcements birthday Birthday Party children Christmas Christmas cards Contest crafts Deal of the Day Decor DIY family food fun gifts Greeting Cards Halloween holiday cards Holiday Party Holidays ideas inspiration board inspiration boards invitations kids Mom Talk parenting party recipes staff picks Stationery summer Thanksgiving thank you cards tiny pleasures Tiny Prints Valentine's Day You Tell Us
The Lost Art of the Thank You Note
We are beyond excited to have Kelly from Birdie Shoots here to share her thoughts on the ...
Classroom Valentine's
We are pleased to have the Happy Wish Company with us again today. Using our Classroom ...
Designer Interview – Danielle from Tallu-lah
Today we have the talented Danielle from Tallu-lah for our Designer interview series. Danielle ...Read More
Be My Valentine Party Ideas
We are pleased to have the Happy Wish Company with us again today. Using our Valentine's ...
Pottery Barn Kids Birth Announcement Collection for Tiny Prints
We're excited to announce a collection of stylish stationery designed by Pottery Barn ...
Tips for a Fun and Festive Cookie Exchange Party
Hi there, Kelsey from We Heart Parties here! Today I want to share with you my all-time ...Read More
Pottery Barn Kids Holiday Collection for Tiny Prints
We're excited to announce a collection of stylish stationery designed by Pottery Barn ...
Rawr Means 'Merry Christmas' in Dinosaur
It would be an understatement to say that we're slightly obsessed with Frederick the ...
POPSUGAR Curated Collection for Tiny Prints
We're thrilled to announce a curated collection of holiday cards and party invitations ...Read More
Holiday Cards – Show With My Photo
We're super excited to announce our Show With My Photo feature that you can use while you...
Holiday Card Collection Benefiting Non-Profit Baby2Baby
We are delighted to unveil our exclusive Baby2Baby holiday charity card collection today! A ...
Introducing the Marchesa Holiday Collection for Tiny Prints
We're thrilled to present an exclusive holiday card collection designed by fashion house ...Read More


text:
GKN is a global engineering group. Every day we drive the wheels of hundreds of millions of cars, we help thousands of aircraft to fly, we deliver the power to move earth and harvest crops, and we make essential components for industries that touch lives across the globe. Discover more
An apprenticeship with GKN gives you the opportunity to learn real job skills with one of the world's leading engineering companies.
GKN employees support their local communities, donate time to good causes and raise thousands of pounds for charitable projects around the world. Click here to visit our Hearts of Gold website and find out more about some of the ways they are making a difference from our employees themselves.
GKN Driveline has nearly tripled its manufacturing capacity at its Chongqing plant to support the expansion plans of its car manufacturer customer base. - ...READ MORE
GKN Aerospace has entered a strategic partnership with additive manufacturing specialist, Arcam AB, to develop and industrialise one of the most promising of the new 'additive' processes to meet the needs of the expanding future aerospace market. - ...READ MORE
Porsche has awarded GKN Driveline "Technology Partner" status for its development of a high-performance eAxle for the 918 Spyder, an advanced plug-in hybrid supercar. - ...READ MORE


text:
STUDENTGUARD INDIVIDUAL TRAVEL INSURANCE POLICY Insurer: ACE European Group Limited Main business – General Insurance. Registered in England No. 1112892. Head Office: ACE Building, 100 Leadenhall Street, London, EC3A 3BP. Authorised and regulated by the Financial Services Authority (FSA). Registration number FRN202803. Full details can be found on the FSA's Register by visiting http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234 Claims and Customer Services Centre Ashdown House, 125 High Street, Crawley, West Sussex RH10 1DQ www.aceeuropeangroup.com 1 StudIndivTrv31102006 Currency. Contents Banking hours. Page Time zones. Climate. INTRODUCTION ...................................................... 2 Driving restrictions. ACE ASSISTANCE.................................................... 2 INSURANCE AGREEMENT ................................... 2 2. Travel Assistance GENERAL DEFINITIONS ....................................... 3 GENERAL CONDITIONS........................................ 4 If during the Period of Insurance the Insured Person SECTION 1. PERSONAL INJURY......................... 5 requires medical assistance or advice during a Journey you or the Insured Person may call ACE Assistance SECTION 2. MEDICAL ........................................... 6 on: SECTION 3. PERSONAL BELONGINGS............. 8 SECTION 4. MONEY............................................... 9 From within the UK: 020 7173 7798 SECTION 5. DISRUPTION ................................... 10 SECTION 6. PERSONAL LIABILITY................. 11 From outside the UK: +44 20 7173 7798 GENERAL EXCLUSIONS...................................... 13 MAKING A CLAIM ................................................ 13 in respect of: CONSUMER PROTECTION INFORMATION... 14 Medical Expenses Emergency repatriation Local payment of hospital bills; or Please note: Terms in bold have the meanings given Replacement of essential maintenance medication or to them in the General Definitions and Specific Definitions Sections below. drugs. Introduction Insurance Agreement Thank you for choosing Studentguard Travel Insurance, This is your Studentguard Travel Insurance Policy which is underwritten by ACE European Group Limited which, together with your Policy Schedule and the and provided by Gibbs Denley. information supplied in your application, is a contract between you and us. Please check the Policy carefully to be sure the cover In return for payment of the premium, we agree to meets your needs. If you have any questions please insure the Insured Person during the Period of notify Gibbs Denley (Tel: +44 (0)1954 233698). Insurance in the manner and to the extent provided, and subject to the Policy Terms, Conditions and If your needs change, or if any information you gave us Exclusions. changes, please tell Gibbs Denley because we may need to change the Policy. We will update the Policy and send you a new Policy Schedule each time we agree a change with you. Andrew Kendrick Chairman and CEO ACE Assistance ACE European Group Limited 1. Pre-Travel Information During a Period of Insurance you or the Insured Person may call ACE Assistance on: From outside the UK: +44 20 7173 7798 From within the UK: 020 7173 7798 for pre-travel information on: Business and social customs. Political situations. Medical advice and medical facilities overseas. Health precautions, including vaccinations. Visa and entry permit requirements. 2 StudIndivTrv31102006 Norway, Poland, Portugal, Romania, Russian General Definitions Federation (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, The following words and phrases will always have Tunisia, Turkey, Ukraine, United Kingdom, Vatican the same special meaning wherever they appear in City . the Policy in bold type and commence with a capital letter. Additional Definitions relevant to the Gibbs Denley means Gibbs Denley Insurance Services, individual Sections of this Policy are located and Crystal House, Buckingway Business Park, Swavesey, contained in the appropriate Section. Cambridge CB4 5UL; authorised and regulated by the Financial Services Authority, registration number Academic Course means any academic course run by 148054. an Educational Establishment. Hijack means unlawful seizure or taking control of an Accident means a sudden, violent, external, unforeseen aircraft or conveyance in which the Insured Person is and identifiable event and the word Accidental shall be travelling as a passenger. construed accordingly. Hospital means any establishment which is registered ACE Assistance means the travel assistance and or licensed as a medical or surgical hospital in the emergency medical and repatriation services – country in which it is located and where the Insured organised by us. Person is under the constant supervision of a Qualified Medical Practitioner. Benefit Amount (or Limit of Liability in respect of Section 6. Personal Liability) means the maximum Insured Person means the person shown as insured on amount we can pay based on the level of cover you the Policy Schedule. have at the time of the loss as shown in the Schedule of Journey means any trip which commences during the Benefits. Period of Insurance for the purpose of attending an Academic Course outside the Country of Domicile Bodily Injury means injury which is caused solely by and in the United Kingdom, including up to 7 days Accidental means and which independently of illness incidental holiday travel within Europe but outside the or any other cause within twenty-four calendar months Country of Domicile. from the date of the Accident caused the Insured Person's death or disablement or the incurring of Partner means the Insured Person's: Medical Expenses. a) spouse; or b) civil partner registered pursuant to the Civil Commencement Date means the day, month and year Partnership Act; or shown in the Policy Schedule for the cover to start. someone of either sex with whom the Insured Person has been living as though they were their spouse for at Country of Domicile means: least 3 months. a) either the country which is the Insured Person's regular place of abode prior to the commencement Period of Insurance means the period between and of the Journey, or: inclusive of the dates shown From: and To: on the b) any country for which the Insured Person holds a Policy Schedule commencing at 00.01 hours on the valid passport. earliest date shown and expiring at midnight on the latest date shown. Educational Establishment means a recognised Cover for Cancellation under the Disruption Section of educational body located in the United Kingdom. the Policy begins when the Journey is booked (if this Policy is in force at the time of booking) or on the Effective Date means the day, month and year shown Effective Date, whichever is later, and ends when the in the Policy Schedule for any change in the cover to Insured Person leaves home to commence the start. Journey or expiry of the Period of Insurance (whichever comes first). Europe means Albania, Andorra, Austria, Belarus, Cover under all other Sections begins when the Insured Belgium, Bosnia-Herzegovina, Bulgaria, Canary Person leaves home during the Period of Insurance to Islands, Channel Islands, Croatia, Czech Republic, commence the Journey and ends upon the Insured Denmark, Estonia, Finland, France, Germany, Person's return home or expiry of the Period of Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Insurance (whichever comes first). Man, Italy Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mediterranean Qualified Medical Practitioner means a doctor or Islands (including Majorca, Menorca, Ibiza; Corsica; specialist who is registered or licensed to practise Sardinia; Sicily; Malta, Gozo; Crete, Rhodes and other medicine under the laws of the country in which they Greek Islands; Northern and Southern Cyprus), practise other than: Moldova, Monaco, Montenegro, Morocco, Netherlands, a) you; or 3 StudIndivTrv31102006 b) your relative unless approved by us. final receipt of such certificates, information or evidence. Specific Conditions, Specific Exclusions and Specific Definitions means those conditions, exclusions and 3. If we want to cancel or change your Policy, we will definitions more particularly stated in the Sections to write to you at the latest address we have for you. which they specifically apply. We will then cancel the Policy thirty days after the date of our letter. If we cancel the Policy we will United Kingdom means England, Scotland, Wales and refund any premium you paid for the cancelled Northern Ireland (excluding the Isle of Man and the period provided you have not made a claim under Channel Islands). the Policy during the Period of Insurance. War means armed conflict between nations, invasion, 4. If you are not satisfied with this Policy and have not act of foreign enemy, civil war, military or usurped booked or taken a Journey protected by the cover power. provided, you may return the Policy to Gibbs Denley within 14 days of the commencement date We/our/us means ACE European Group Limited of cover and we will cancel it. If this happens, the (ACE). Policy will have provided no cover and we will refund any premiums you have paid. If you write Winter Sports means any winter pursuits or sports and tell Gibbs Denley to cancel your Policy after including, but not limited to, the following: 14 days, we will cancel it from the date your letter skiing (including skiing outside the area of the is received or any later date you stipulate. We normal compacted snow or ski slope i.e. off-piste); reserve the right to charge the appropriate premium tobogganing; for any period during which cover operated. snow boarding; ice skating (other than on an indoor rink) 5. Where you (or your personal representatives) or the ski or ski bob racing; Insured Person (or the Insured Person's personal mono skiing; representatives) do not comply with any obligation ski jumping; to act in a certain way specified in this Policy we ski boarding; reserve the right not to pay a claim. ice hockey; or, the use of bobsleighs or skeletons. 6. If the Insured Person is the victim of a Hijack the insurance provided by this Policy shall continue for You/your means the person named in the Policy a period not exceeding twelve months from the date Schedule who has taken out the Policy. Where the of Hijack to enable the Insured Person to complete Policyholder and the Insured Person are not the same the original Journey or to return to the Country of person, the Policyholder must be the Insured Person's Domicile. legal guardian. 7. The benefits under this Policy may not be assigned. If you sell or transfer your Policy, or use it as security for a loan or for any kind of business, we General Conditions will not recognise this. At all times, our contract The following General Conditions are applicable to will be with you and we will only deal with you the Policy as a whole. and/or your legal representatives. Please note: Specific Conditions relevant to the 8. It is your responsibility to provide complete and individual Sections of this Policy are located and accurate information to us when applying for the contained in the appropriate Sections. Policy and throughout the life of this Policy. It is important that you ensure all statements made in the application, over the telephone, on claim forms and 1. This Policy, the Policy Schedule and any other documents are full and accurate. Please note information provided in your application will be that if you or any person acting on your behalf, or read together as one contract. Any word or the Insured Person, or any person acting on the expression to which specific meaning has been Insured Person's behalf, fails to disclose, describes attached shall unless the context otherwise requires incorrectly or misrepresents any material bear such meaning wherever it may appear. information to us it could invalidate the insurance cover under this Policy. This could mean that part 2. We will not pay interest on any sum payable under or all of a claim may not be paid. this Policy unless payment has been unreasonably delayed by us following receipt of all the required 9. You and we agree that: certificates, information and evidence necessary to support the claim. Where interest becomes payable a) this Policy will be governed and interpreted in by us, it will be calculated only from the date of accordance with the Law of England and 4 StudIndivTrv31102006 Wales and only the English Courts will have the level of the ankle (talo-tibial joint). jurisdiction in any dispute; and b) communication of and in connection with this Loss of Sight in one eye shall mean permanent Policy shall be in the English language. blindness in an eye to the degree that after correction using spectacles, lenses or surgery, objects that should 10. You and we have agreed that it is not intended for be clear from 60 feet away can only be seen from 3 feet any third party to this contract to have the right to away or less. enforce or vary the terms of this contract. You and we can rescind or vary the terms of this contract Loss of Sight in both eyes shall mean permanent without the consent of any third party to this blindness resulting in the Insured Person's name being contract who might seek to assert that they have added to the register of Blind Persons on the authority rights under the Contracts (Rights of Third Parties) of a qualified ophthalmic specialist. Act 1999. Permanent Total Disablement shall mean disablement 11. You and the Insured Person must take ordinary which has lasted for at least twelve months, from which and reasonable care to safeguard against loss, we believe the Insured Person will never recover and damage, Accident, injury or illness as though you which stops the Insured Person from carrying out and the Insured Person were not insured. If we gainful employment of any and every kind. believe the Insured Person has not taken reasonable care of property, the claim may not be The cover we provide paid. The items insured under this Policy must be maintained in good condition and kept in good If during the Period of Insurance the Insured Person repair. sustains Bodily Injury during a Journey, we will pay the Benefit Amount of £15,000/€24,750 for: Dual Insurance Death The Insured Person should not be insured under more Permanent Total Disablement than one Studentguard Travel Insurance Policy. If the Loss of one Limb Insured Person is insured under more than one of these Loss of two or more Limbs Policies: Loss of Sight in one eye 1. we will consider the Insured Person to be insured Loss of Sight in both eyes under the Policy which provides the highest benefits; or The total Benefit Amount payable shall not exceed 2. if the benefits are the same we will consider the £15,000/€24,750 in respect of any one Accident. Insured Person to be insured under the Policy which was issued first. Disappearance In any case, we will refund the premium paid for the If during the Period of Insurance the Insured Person Policy which is not giving cover and issue an amended disappears during a Journey and after a suitable period Policy Schedule showing the correct details. of time it is reasonable for the Police or registration authorities to believe that the Insured Person has died as a result of Bodily Injury, we will pay the death Section 1. Personal Benefit Amount. But before we do this, the Administrator responsible for the Insured Person's Injury estate must sign an agreement to refund the death Benefit Amount if the Insured Person turns out to be alive. Specific Definitions applicable to the Personal Injury Section Exposure The following words and phrases will have the same If during the Period of Insurance the Insured Person special meaning in this Section wherever they appear in suffers Bodily Injury as a result of unavoidable bold italic type and commence with a capital letter. exposure to the elements during a Journey, we will consider it as having been caused by an Accident. Please note: Additional Definitions appear in the other Sections of the Policy and General Definitions Specific Exclusions applicable to the apply as well. Personal Injury Section Loss of Limb means in respect of: Please note: General Exclusions apply as well. 1. an arm - physical severance or the permanent total loss of use of an arm at or above the wrist joint; and We will not pay any claim: 2. a leg - physical severance or total loss of use above 5 StudIndivTrv31102006 1. which is caused by or results from sickness or United Kingdom, disease not directly resulting from Bodily Injury; for Hospital, nursing home, ambulance, surgical or other diagnostic or remedial treatment given or 2. for disabilities arising from: prescribed by a Qualified Medical Practitioner. a) Repetitive Stress (Strain) Injury or Syndrome or any gradually operating cause. Supplementary Travel and Accommodation Expenses b) Post Traumatic Stress Disorder or any shall mean reasonable additional costs necessarily psychological or psychiatric condition. incurred: 1. for travel and accommodation expenses the Specific Conditions applicable to the Insured Person incurred in returning to the Personal Injury Section Country of Domicile; 2. for travel and accommodation of up to two relatives or friends who on medical advice from a Please note: General Conditions apply as well. Qualified Medical Practitioner are advised to 1. The death Benefit Amount is limited to travel to or remain with the Insured Person; £5,000/€8,250 if the Insured Person is aged under 3. 18 years at the date of sustaining Bodily Injury. a) for funeral expenses incurred in burial or cremation of the Insured Person outside the 2. If the Insured Person was already disabled before Country of Domicile; the Accident or had a condition which was b) in transporting the Insured Person's body or gradually getting worse, we will reduce our ashes for burial in the Country of Domicile payment. The reduced payment will be based on our (excluding funeral and interment costs in the medical assessment of the difference between: Country of Domicile); or a) the Permanent Disability after the Accident; and 4. in transporting the Insured Person's Personal b) the extent to which the Permanent Disability Belongings (as defined in Section 3. Personal is affected by the disability or condition before Belongings) back to the Country of Domicile. the Accident. The cover we provide Sub-Section (i) Medical Expenses Section 2. Medical If during the Period of Insurance, the Insured Person becomes ill or is injured during a Journey, we will pay Specific Definitions applicable to the up to the Benefit Amount of £1,000,000/€1,650,000 in Medical Section respect of Medical Expenses the Insured Person incurs for any one Journey. The following words and phrases will have the same special meaning in this Section wherever they appear in Sub-Section (ii) Supplementary Travel bold italic type and commence with a capital letter. and Accommodation Expenses Please note: Additional Definitions appear in the If during the Period of Insurance the Insured Person other Sections of the Policy and General Definitions becomes ill or is injured during a Journey, we will pay apply as well. up to the Benefit Amount of £5,000/€8,250 in respect of Supplementary Travel and Accommodation Accommodation shall mean accommodation of a Expenses the Insured Person incurs for any one standard up to but not exceeding that in which the Journey. Insured Person was or would have been staying during the course of the Journey. Sub-Section (iii) Emergency Emergency Repatriation Expenses shall mean all Repatriation Expenses reasonable costs necessarily incurred in repatriating the Insured Person to the most suitable Hospital or to the If during the Period of Insurance the Insured Person Insured Person's home address in the Country of becomes ill or is injured during a Journey we will pay Domicile provided that such repatriation is: Emergency Repatriation Expenses. 1. medically necessary and 2. organised by ACE Assistance. Emergency Repatriation Expenses are provided by ACE Assistance who can help in a range of different Medical Expenses shall mean all reasonable costs circumstances, including medical emergencies. Please necessarily incurred: make sure you and the Insured Person have details of 1. within the United Kingdom levied by the National this Policy, including the Policy Number and Period of Health Service; or, Insurance when calling: 2. outside the Country of Domicile and outside the 6 StudIndivTrv31102006 From within the UK: 020 7173 7798 Specific Exclusions applicable to the From outside the UK: +44 20 7173 7798 Medical Section. ACE Assistance also includes the following services: Please note: General Exclusions apply as well. 1. Providing a 24-hour multi-lingual emergency medical assistance service. We will not pay any claim for: 2. Initial guarantee of payment of overseas Hospital and doctors' accounts. 1. any expenses incurred where a Journey is booked 3. Arranging overseas hospitalisation and the or undertaken against the advice of a Qualified monitoring of patients in co-operation with the Medical Practitioner or where the purpose of the attending local physician. Journey is to receive medical treatment or advice 4. When recommended by ACE Assistance's Chief or where a terminal prognosis has been given. Medical Officer, arranging medical repatriation of policyholder(s) including, when necessary, 2. any expenses which are recovered from any other organisation of transport, medical escorts and the insurance policy or national insurance programme provision of special medical equipment. which is applicable to the Insured Person. 5. Providing for the services of a local Agent to provide assistance and advice. 3. any expenses incurred after 12 months from the 6. Organising the repatriation of human remains and time of the incurring of the first expense. arranging the necessary import/export documents. 7. Liaising with General Practitioners, Hospital 4. any expenses incurred as a result of pregnancy Services and patient's relatives. within 2 months of expected date of delivery 8. Assisting accompanying relatives of the patient unless such expenses are incurred due to a medical by arranging and paying for additional emergency. accommodation and transport costs. 9. Locating and despatching drugs, contact lenses, 5. dental or optical expenses other than those glasses, blood and medical equipment which are incurred in providing the minimum treatment unavailable at patient's location. necessary to relieve pain and discomfort for the duration of the Journey, and then only provided that all routine dental and optical treatment is Specific Conditions applicable to the completed prior to the Journey. Emergency Repatriation Expenses sub- Section 6. any expenses incurred which in any way arise from or are attributable to sexually transmitted Please note: General Conditions apply as well. diseases. 1. ACE Assistance must be informed immediately 7. expenses incurred in the Country of Domicile. or as soon as reasonably possible of any emergency that may potentially give rise to a 8. surgical or medical treatment which can be claim. reasonably delayed until the Insured Person's return to the Country of Domicile. 2. You or the Insured Person must not make or attempt to make arrangements without the 9. medication and/or treatment which at the time of involvement and/or agreement of ACE departure you or the Insured Person know to be Assistance. required or to be continued outside the Country of Domicile. 3. Any repatriation must be organised by ACE Assistance who will use the most appropriate 10. the first £25/€45 of each and every claim under the method including, if necessary, the use of air Medical Section, but this will be waived where the services and arrange for qualified medical staff to Insured Person has obtained a reduction in the accompany the Insured Person if required. cost of Medical Expenses in European Union countries by using a European Health Insurance 4. Whilst ACE Assistance will make every effort to Card. ensure advice or assistance is provided promptly and in good faith it cannot accept liability for loss or damage of any kind that may arise or result from the use, or intended use, of the ACE Assistance medical assistance service. 7 StudIndivTrv31102006 Specific Exclusions applicable to the Section 3. Personal Personal Belongings Section. Belongings Please note: General Exclusions apply as well. Specific Definitions applicable to the We will not pay a claim for: Personal Belongings Section 1. vehicles or their accessories: The following words and phrases will have the same 2. any items stolen from an unattended vehicle unless special meaning in this Section wherever they appear in they were: bold italic type and commence with a capital letter. a) in the locked boot of the vehicle, or b) in the luggage space at the rear of a locked vehicle and out of view, Please note: Additional Definitions appear in the and there is evidence of forced entry; other Sections of the Policy and General Definitions apply as well. 3. loss or corruption of or damage to software, information or data contained in any computer, Personal Belongings shall mean personal articles tapes or recording equipment or any consequential which are the Insured Person's property, or property loss arising therefrom; for which the Insured Person is responsible, and which are taken on or acquired during the Journey that are not 4. loss or theft unless it is reported to the Police (and excluded under Specific Exclusions applicable to the the hotel management if the loss or theft occurs in Personal Belongings Section. a hotel) within twenty-four hours of discovery and we are provided with an original written Police Valuables shall mean cameras and other photographic report and report to the hotel management as equipment, GPS/satellite navigation equipment, radios, applicable; cassette/compact disc players, computer games equipment and peripherals, video and television 5. loss or damage due to: equipment, telescopes and binoculars, jewellery, a) moth, vermin, wear and tear, atmospheric or watches, furs, precious and semi-precious stones and climatic conditions or gradual deterioration; articles made of or containing gold, silver or other b) inherent mechanical or electrical failure, precious metals. breakdown or derangement; c) any process of cleaning, restoring, repairing The cover we provide or alteration; d) nuclear fission, nuclear fusion or radioactive Sub-Section (i) Personal Belongings contamination; If during the Period of Insurance Personal Belongings 6. more than a reasonable proportion of the total are lost, stolen or damaged during a Journey we will value of a pair or set where the lost or damaged pay up to the Benefit Amount of £750/€1238 in respect article is part of a pair or set; of such loss or damage for any one Journey but not exceeding: 7. loss or damage occurring in the custody of an 1. £250/€413 for any article, pair or set; or airline or other transport carrier unless reported 2. £250/€413 for Valuables in total. immediately upon discovery and in the case of an airline a Property Irregularity Report obtained; Sub-Section (ii) Personal Belongings 8. loss or damage to any items sent as freight or Delay under an airway-bill or bill of lading; If during a Period of Insurance all or part of the 9. loss due to confiscation or detention by customs or Insured Person's Personal Belongings are lost or any other authority; temporarily mislaid for more than 12 hours during any stage (other than the final return stage to the Country 10. any items of household furniture, household of Domicile) of a Journey we will reimburse up to the appliances or household equipment; Benefit Amount of £100/€165 which the Insured Person has paid for the purchase of essential items of 11. loss of or damage to: replacement clothing or toiletries. Any amounts paid a) contact or corneal lenses, dentures, dental under this extension will be deducted from any caps or crowns, hearing aids or fragile subsequent amounts payable under the Personal articles, or pedal cycles or laptop computers; Belongings Sub-Section in respect of the same loss. b) sporting equipment whilst in use; c) Valuables, unless: i. attended by the Insured Person; or ii. in a safety deposit box; 8 StudIndivTrv31102006 1. being carried by the Insured Person; or 12. any article more specifically insured or 2. left in a safety deposit box, recoverable under any other insurance; we will pay up to the Benefit Amount of £250/€413 in respect of such loss for any one Journey. 13. the first £25/€45 for each and every claim for Personal Belongings. In the event of a claim Sub-Section (ii) Credit Card Misuse under both Section 3. Personal Belongings and Section 4. Money of this Policy arising out of a If during a Period of Insurance an Insured Person single cause or event only one excess will apply. sustains financial loss directly as a result of a credit, charge or bankers card being lost or stolen during a Specific Conditions applicable to the Journey and is subsequently used fraudulently by any Personal Belongings Section. person other than: 1. another person insured under a Studentguard Please note: General Conditions apply as well. Travel Insurance policy; or 2. a member of the Insured Person's family, 1. The Insured Person will take all reasonable we will pay up to the Benefit Amount of £250/€413 in precautions for the safety of any insured article. respect of such loss for any one Journey. 2. On the happening of any loss or damage we shall Provided that the Insured Person has fully complied be entitled: with all the terms and conditions under which such card a) to take and keep possession of any article and has been issued. to deal with salvage in a reasonable manner; or b) at our own option to repair or replace any Sub-Section (iii) Emergency article for which we are liable. Replacement of Passport 3. If any item of Personal Belongings is totally lost If during a Period of Insurance the Insured Person's or destroyed, or is uneconomical to repair, we will passport is lost or damaged during a Journey, we will pay the cost of replacing the item less a deduction pay up to the Benefit Amount of £250/€413 in respect for wear, tear or depreciation. of fees charged by the appropriate Consular, Visa or Passport Office and any additional travel or accommodation expenses the Insured Person incurs in Section 4. Money obtaining any official temporary travel documents or replacement passport, I.D. card and/or visa outside the Country of Domicile. Specific Definition applicable to the Money Section Specific Exclusions applicable to the Money Section. The following word will have the same special meaning in this Section wherever it appears in bold italic type Please note: General Exclusions apply as well. and commences with a capital letter. We will not pay any claim for: Please note: Additional Definitions appear in the other Sections of the Policy and General Definitions 1. loss of or damage to Money unless: apply as well. a) carried by the Insured Person; or b) in a safety deposit box; Money shall mean coins, bank notes, postal or money orders, signed traveller's cheques and other cheques, 2. more than £250/€413 in respect of Money and letters of credit, travel tickets, petrol coupons or other Credit Card Misuse in total; prepaid coupons which belong to the Insured Person or are in the Insured Person's custody and control and 3. loss or theft unless it is reported to the Police (and are intended for travel, meals, accommodation and the hotel management if the loss or theft occurs in personal expenditure only. a hotel) within twenty-four hours of discovery (or earlier if required by the credit card issuer) and we The cover we provide are provided with an original written Police report and report to the hotel management as applicable; Sub-Section (i) Money 4. loss due to confiscation or detention by customs or any other authority; If during the Period of Insurance Money is lost or stolen during a Journey or during the 72 hours 5. loss due to devaluation of currency or shortages immediately prior to commencement or subsequent to due to errors or omission during monetary completion of the Journey, whilst: transaction; 9 StudIndivTrv31102006 is forced to: 6. more than £100/€165 in respect of coins and/or 1. cancel any part of a planned Journey prior to the banknotes; commencement of that Journey; or 2. curtail or alter the itinerary of any part of a planned 7. traveller's cheques unless the loss or theft is Journey during the course of that Journey, reported immediately to the local branch or agent as the direct and necessary result of: of the issuing company; or if the issuing company 1. injury or illness of the Insured Person; provides a replacement service; 2. the death, injury or illness of the Insured Person's spouse, Partner, mother, father, 8. promotional vouchers or awards or any goods or daughter, son, sister, brother friend or close services obtained through the conversion of such business colleague; vouchers or awards; 3. the Insured Person being subject to compulsory quarantine, jury service, subpoena or Hijack of 9. the first £25/€45 of each and every claim for the conveyance on which the Insured Person is Money. In the event of a claim under both travelling; Section 3. Personal Belongings and Section 4. 4. cancellation or curtailment of scheduled public Money of the Policy arising out of a single cause transport services consequent upon strike, riot or or event only one excess will apply. civil commotion; 5. the Insured Person's residence or business premises being rendered uninhabitable within 7 Section 5. Disruption days of commencement of the planned Journey or the Insured Person's presence being required by Specific Definitions applicable to the the Police following burglary or attempted burglary at the Insured Person's residence or Disruption Section business premises, The following words and phrases will have the same we will pay up to the Benefit Amount of special meaning in this Section wherever they appear in £5,000/€8,250 in respect of such Cancellation, bold italic type and commence with a capital letter. Curtailment or Alteration of Itinerary Expenses the Insured Person incurs for any one Journey. Please note: Additional Definitions appear in the other Sections of the Policy and General Definitions apply as well. Sub-Section (ii) Travel Delay and Abandonment Cancellation Expenses shall mean loss of deposits, or charges for advance payments for travel or If, during the Period of Insurance and in the course of accommodation or other charges which have not or will a Journey, the Insured Person is delayed for at least not be used, but which become forfeit or payable under 12 hours from the scheduled departure time (as shown contract. on the travel ticket) of the outbound journey from the Country of Domicile or the return journey to the Curtailment Expenses shall mean loss of deposits, or Country of Domicile because the scheduled departure charges for advance payments for travel or of the outbound or inbound flight including connecting accommodation or other charges which have not been flights, sea crossing, coach or train journey is delayed and will not be used, but which become forfeit or due to strike, industrial action, adverse weather payable under contract. conditions, traffic flow congestion or mechanical breakdown, we will pay the Benefit Amount of: Curtailment or Alteration of Itinerary Expenses shall 1. mean: a) £20/€33 for the first 12-hour delay; and then; 1. loss of deposits, or charges for advance payments b) £20/€33 for each full 12-hour delay thereafter, for travel or accommodation or other charges up to £10,000/€1,650 or the cost of the Journey, which have not been and will not be used, but whichever is lesser; or which become forfeit or payable under contract; 2. up to £5,000/€8,250, less the excess stated below in and respect of Curtailment Expenses incurred if the 2. additional travel and accommodation expenses. Insured Person abandons the Journey after a delay of at least 12 hours of the scheduled departure The cover we provide time from the Country of Domicile. Sub-Section (i) Sub-Section (iii) Missed Departure Cancellation/Curtailment/Alteration to If during the Period of Insurance as a result of the Itinerary failure of public transport due directly to strike, industrial action, adverse weather conditions, traffic If during the Period of Insurance the Insured Person flow congestion or mechanical breakdown the Insured 10 StudIndivTrv31102006 Person misses the international departure of the ship, either temporarily or otherwise, on the orders of aircraft or other conveyance on which the Insured the recognised regulatory authority in any country; Person is booked to travel from: 10. The first £25/€45 of each and every claim for 1. the Country of Domicile at the commencement of Cancellation, Curtailment, Alteration to Itinerary the Journey; or, and Curtailment Expenses. 2. the initial point of departure at the end of the Journey, Additional Specific Exclusions we will pay up to the Benefit Amount of £500/€825in applicable to the Travel Delay and respect of reasonable additional travel and Abandonment and Missed Departure accommodation expenses the Insured Person incurs to sub-Sections only reach the scheduled destination for any one Journey, provided that: Please note: Specific Exclusions applicable to the 1. such travel is of a standard no greater than the Disruption Section and General Exclusions apply as class of transport on the outbound journey and:- well. 2. the standard of accommodation is not superior to that of the Journey. We will not pay for: Specific Exclusions applicable to the 1. any expenses incurred where the Insured Person Disruption Section has failed to: a) check in according to the itinerary supplied Please note: General Exclusions apply as well. unless the failure was itself due to strike or industrial action; We will not pay any claim for: b) obtain written confirmation from the Carriers or their handling agents of the number of 1. any expenses incurred where a Journey is booked hours delay and the reason for such delay or or undertaken against the advice of a Qualified abandonment; Medical Practitioner or where the purpose of the Journey is to receive medical treatment or advice; 2. withdrawal from service temporarily or otherwise of any aircraft or sea vessel on the orders or 2. expenses incurred as a result of pregnancy within recommendation of the manufacturer, the Civil 2 months of expected date of delivery unless such Aviation Authority, a Port Authority or any expenses are incurred due to a medical emergency; similar body in any country. 3. any costs or charges paid or discharged by the use of promotional vouchers or awards of any description; Section 6. Personal 4. the Insured Person deciding not to travel or, if on a Journey, deciding not to continue; Liability 5. more than a rateable proportion of any expenses Specific Definitions applicable to the which are also recoverable from any other insurance policy which is applicable to the Personal Liability Section Insured Person; The following words and phrases will have the same 6. any expenses incurred as a result of regulations or special meaning in this Section wherever they appear in order made by any Public Authority or bold italic type and commence with a capital letter. Government; 7. any expenses incurred as a result of strike, labour Please note: Additional Definitions appear in the dispute, mechanical breakdown or failure of the other Sections of the Policy and General Definitions means of transport (other than disruption of road apply as well. and rail services by avalanche snow or flood) which existed or the possibility of which existed Costs and Expenses means: and for which advance warning had been given 1. all costs and expenses recoverable by a claimant before the date on which the Journey was booked; from an Insured Person; 2. all costs and expenses incurred with our written 8. any expenses incurred if you or the Insured consent; Person were aware at the time of applying for this 3. solicitors' fees for representation at any coroner's Insurance of any reason why the Journey should inquest or fatal accident inquiry or in any Court of be cancelled or curtailed; Summary Jurisdiction; 9. any expenses incurred as a result of any aircraft, in respect of any occurrence to which this Section sea vessel or train being withdrawn from service, applies. 11 StudIndivTrv31102006 a) the carrying on of any trade business or The cover we provide profession; b) the ownership, possession or use by the We will indemnify an Insured Person against all sums Insured Person or the Insured Person's which he or she is legally liable to pay as damages in servants or agents of: respect of: i. horse-drawn or mechanically 1. accidental bodily injury (including death, illness or propelled vehicles (other than golf disease) to any person; buggies used on golf courses and not 2. accidental loss of or damage to material property; on public roads); ii. aircraft, hovercraft or watercraft which occurs during the Period of Insurance arising (other than manually propelled out of the Journey. watercraft less than 30 feet in length used on inland waters); The maximum that we will pay under this Section for iii. firearms (other than sporting guns); all damages as a result of any one occurrence or series iv. animals (other than horses and of occurrences arising directly or indirectly from one domestic cats and dogs); source or original cause shall be £1,000,000/€1,650,000 (the Limit of Liability). 5. arising from: a) the occupation or ownership of any land We will in addition pay Costs and Expenses in respect or building other than any building of any occurrence to which this Section applies – except temporarily occupied by the Insured that in respect of occurrences happening in or claims or Person in the course of a Journey; legal proceedings brought or originating in the United b) any wilful or malicious act; or States of America and Canada or any other territory within the jurisdiction of either such country, Costs and 6. the cost of punitive or exemplary damages. Expenses described in 1., 2., and 3. above are deemed to be included in the Limit of Liability. Specific Conditions applicable to the Personal Liability Section Specific Exclusions applicable to the Personal Liability Section Please note: General Conditions apply as well. Please note: General Exclusions apply as well. 1. no admission, offer, promise or indemnity shall be made without our consent which shall be entitled We will not provide indemnity for any liability: to take over and conduct in your name the defence or settlement of any claim or to prosecute in your 1. in respect of bodily injury to any person who is: name for our own benefit any claim for indemnity or damages or otherwise and shall have full a) under a contract of service or apprenticeship discretion in the conduct of any proceedings and with you or the Insured Person when such in the settlement of any claim and you shall give injury arises out of and in the course of their all information and assistance as we may require. employment by you or the Insured Person; or Every letter, claim, writ, summons and process b) a member of your family; shall be forwarded to us on receipt. Written notice shall be given to us immediately you shall have 2. assumed by the Insured Person under a contract notice of any prosecution or inquest in connection or agreement unless such liability would have with any circumstances which may give rise to attached in the absence of such contract or liability under this Section. agreement; 2. We may at any time pay to you in connection with 3. in respect of loss of or damage to property: any claim or series of claims the Limit of Liability a) belonging to or held in trust by the Insured (after deduction of any sum(s)already paid as Person; or compensation) or any lesser amount for which b) in the care custody or control of the Insured such claim(s) can be settled and upon such Person. payment being made we shall relinquish the However this Specific Exclusion shall not apply in conduct and control of and be under no further respect of loss of or damage to buildings and their liability in connection with such claim(s) except contents not belonging to but temporarily occupied for the payment of costs and expenses recoverable by the Insured Person in the course of the or incurred prior to the date of such payment Journey; 3. If at the time of the happening of any occurrence 4. in respect of bodily injury loss or damage covered by this Section there is any other existing caused directly or indirectly in connection insurance whether effected by you or the Insured with: Person or not covering the same liability we shall 12 StudIndivTrv31102006 not be liable to indemnify you in respect of such e) War, whether War is declared or not; liability except so far as concerns any excess f) the Insured Person being under the influence of beyond the amount which would have been alcohol, drugs or solvents, alcoholism, drug payable under such other insurance had this addiction, solvent abuse, any addictive disorder Section not been effected. or any previously diagnosed anxiety depression nervous or mental disorders; g) any injury, illness, death, loss, expense or any other liability attributable to HIV (Human General Exclusions Immune Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any The following General Exclusions are applicable to mutant derivative or variations thereof however the Policy as a whole. Please note: Specific caused; Exclusions relating to individual Sections of this h) the Insured Person's illegal act; Policy are located and contained in the appropriate i) ionising radiation or contamination by Sections. radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of 1. We will not pay any claim for Bodily Injury, loss nuclear fuel; or or expense: j) the radioactive, toxic, explosive or other a) suffered or incurred after the expiry of the hazardous properties of any explosive nuclear Period of Insurance during which the Insured assembly or nuclear component of such Person attains the age of 70 years; assembly. b) if the Insured Person is a professional sportsperson or a professional entertainer; or 3. We will not be liable for consequential losses of any c) suffered or incurred during any trip outside nature. Europe. 2. We will not pay any claim which is caused by or results from: a) suicide, attempted suicide or deliberate self- Making a Claim inflicted injury by the Insured Person, 1. If a claim needs to be made, we must be notified regardless of the state of the Insured Person's within 30 days of the incident or as soon as mental health or needless self-exposure to possible after that. We will then ask for a claim danger except in an attempt to save human life; form to be completed to register your claim. You b) the Insured Person participating in: can download a claim form from Gibbs Denley's i. any aerial pursuits or sports including, but not Web Site at the following address: limited to, the following: http://www.course-u-can.com ballooning; If you cannot do this yourself, a personal bungee-jumping; representative can do this for you. gliding; Our contact details are: hang gliding; Accident & Health Claims Department micro lighting; ACE European Group Limited parachuting; Ashdown House paragliding; or 125 High Street parascending; Crawley ii. air travel (other than as a fare-paying passenger West Sussex on a regular scheduled airline or licensed RH10 1DQ charter aircraft); iii. Winter Sports; Tel: +44 (0) 1293 725830 iv. racing, motor rallies and competitions, Fax: +44 (0) 1293 725845 mountaineering (reasonably requiring the use of ropes or guides), pot holing, rafting or Please ensure that you either: canoeing involving white water rapids (rated in i. attach a copy of your Policy Schedule to the excess of grade 3) underwater activities claim form; or, requiring the use of artificial breathing ii. quote your full Policy Number (as shown apparatus, professional sports, rugby league or on your Policy Schedule) on the claim union; form. c) the Insured Person travelling on a motorcycle 2. We will need to be sent any information, evidence over 125cc; and receipts we require including medical d) the Insured Person being a full time member of certificates signed by a Qualified Medical the armed forces of any nation or international Practitioner, Police reports and other reports. authority or a member of any Reserve Forces You will pay for this. You must agree to a called out for Permanent Service; 13 StudIndivTrv31102006 medical examination of the Insured Person if we ask for it. We will pay for this. We may insist on Consumer Protection a post-mortem examination if the law allows us to ask for one. We will pay for this. Information 3. If you make a dishonest claim or you or anyone This Policy should be read carefully to ensure that it has acting on your behalf, or the Insured Person or anyone acting on the Insured Person's behalf, been prepared in accordance with requirements. If uses fraudulent means to benefit under this Policy, there are any queries, these should, in the first instance, we may cancel the Policy immediately. be directed to Gibbs Denley or directly to us. This Policy should be kept in a safe place - it may be needed 4. You and the Insured Person must keep to the for reference if a claim is to be made. terms of your Policy. If you or they do not, we may not accept a claim. Complaints Procedures 5. The Insured Person must obtain and follow the We are dedicated to providing a high quality service advice of a Qualified Medical Practitioner as and want to maintain this at all times. If it is felt that a soon as possible after the occurrence of any first class service has not been offered or a complaint Accidental Bodily Injury or illness and we shall must be made regarding this insurance: not be liable for any consequences of the Insured Person's failure to obtain and follow such advice a) you should, in the first instance contact Gibbs and use such appliance or remedies as may be Denley; or, prescribed. b) alternatively, contact: 5. The Customer Service Manager i. If the Insured Person is aged 18 years or over, ACE European Group Limited we will pay the Benefit Amount for Ashdown House Accidental death to the Insured Person's 125 High Street estate and the receipt given to us by the Crawley Personal Representatives shall be a full West Sussex discharge of liability by us in respect of the RH10 1DQ claim for such Benefit Amount. Tel: +44 (0) 1293 726060 ii. If the Insured Person is aged under 18 years, Fax: +44 (0) 1293 726100 we will pay the Benefit Amount for e-mail: firstname.lastname@example.com Accidental death to you. Your receipt shall be a full discharge of liability by us in respect quoting Policy details, so we can deal with of the claim for such Benefit Amount. your complaint as soon as possible. iii. If the Insured Person is aged 18 years or over If you are dissatisfied with our final response, you may we will pay any other claim to the Insured approach the Financial Ombudsman Service for Person and the Insured Person's receipt shall assistance. Its contact details are as follows. A leaflet be a full discharge of all liability by us in explaining the procedure is available on request: respect of the claim for such Benefit Amount. Financial Ombudsman Service South Quay Plaza iv. If the Insured Person is aged under 18 years, 183 Marsh Wall we will pay any other claim to you, for the London Insured Person's benefit. Your receipt shall E14 9SR be a full discharge of all liability by us in Tel: +44 (0) 845 080 1800 respect of the claim for such Benefit Amount. Fax: +44 (0) 207 964 1001 Email:firstname.lastname@example.com 6. Claims involving foreign currency will be Website: www.financial-ombudsman.org.uk converted into Policy currency at the selling rate of exchange published in the Financial Times on The existence of these complaints procedures does the day nearest to the date of the loss. The not affect your right to take legal action against us. benefits provided by this Policy shall correspond with the currency in which the premium has been Financial Services Compensation paid. Scheme In the unlikely event that we are unable to meet our liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). The FSCS will meet the first £2,000 of a claim in full 14 StudIndivTrv31102006 plus 90% of the balance without any upper limit. Their consent. By submitting a claim you are expressly contact details are: consenting to us obtaining and using such information to enable us to assess and pay such Financial Services Compensation Scheme claim. 7th Floor, Lloyds Chambers 1 Portsoken Street 8. We will not disclose any claims details to any London other third party without written permission from E1 8BN you. Tel: +44 (0) 20 7892 7300 9. We will keep information about you and the Fax: +44 (0) 20 7892 7301 Insured Person only for so long as it is e-mail: firstname.lastname@example.com appropriate. Web Site: http://www.fscs.org.uk 10. In accordance with Subject Access rights, if you or Data Protection the Insured Person ask, we will tell you or the Insured Person what information we hold about 1. We fully accept our responsibility to protect the you or him/her and provide it to you or the privacy of customers and the confidentiality and Insured Person in accordance with applicable security of information entrusted to us. law. We will promptly correct any information which is found to be incorrect. 2. The information you provided when you took out your Policy, together with other information you Association of British Insurers provide at any later date, will be used by us and our group companies to help us meet your needs We are members of the Association of British Insurers. including supplying you with products and services you have requested, initially or at any later date, supplying you with information about additional products and services and improving Underwritten by: our products and services, and the operations of the Web Site. We may disclose your information ACE European Group Limited to our service providers and agents for these Main business – general insurance. purposes as well as any agents you have appointed Registered in England No. 1112892. to act on your behalf. Head Office: ACE Building, 100 Leadenhall Street, London, EC3A 3BP. Authorised and regulated by the Financial Services 3. It may also be used for the purpose of fraud Authority (FSA). Registration number FRN202803. prevention including passing details to other Full details can be found on the FSA's Register by insurers and regulatory bodies. visiting http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234 4. Where you have provided information about another person in connection with the purchase and Claims and Customer Services Centre performance of this insurance Policy you confirm Ashdown House, 125 High Street, Crawley, West that they have appointed you to act for them, that Sussex RH10 1DQ they have consented to the processing of their www.aceeuropeangroup.com personal data, including sensitive personal data and they have consented to the transfer of their information abroad. You also agree to receive on their behalf any data protection notices from us. 5. We may monitor and/or record your communication with us either ourselves or by using reputable organisations selected by us, to ensure consistent servicing levels and account operation. 6. It may be necessary for you to provide additional information including sensitive personal data, for example details relating the Insured Person's health, in order that we can assess and pay any claims. 7. We may only obtain this information or ask third parties such as independent medical examiners to obtain this information with your express prior 15 StudIndivTrv31102006
Pages to are hidden for
"Studentguard_Policy_Doucment_Final_31102006_Feb08"Please download to view full document


text:
Creepshow [Blu-ray]
Hal Holbrook (Actor), Adrienne Barbeau (Actor), George A. Romero (Director) | Rated: Suitable for 15 years and over | Format: Blu-ray
Average Customer Review: (13)
In stock
FREE Delivery in the UK.
Product Description
George A. Romero directs this tribute to the D.C. comics of the 1950s, a film split into five horror stories linked by a sub-story about a young boy reading the tales in a comic book. Hal Holbrook, Adrienne Barbeau, E.G. Marshall and Leslie Nielsen all make appearances, as does writer Stephen King,... Read More
Show items from:All Categories (60)
DVD & Blu-ray
Show items that:
Customers also bought
Customers also viewed


text:
A guide to navigating the end of a friendship.
Time spent as a smelly, flat-chested teenager has its advantages.
Better-than-amateur answers to your totally expert questions.
Breakups, breakthroughs, and breakdowns. And: babies having babies!
Former bullies talk it out with their victims.
Girls aren't supposed to get angry. Here's why you should ignore that "rule."
It felt great to be part of the most popular clique in school. Being thrown out felt…not so great.
I thought platonic love was supposed to be forever.
Bully apologies.
We thought we were the cool ones.
Hi, queen people! April's theme is BOTH SIDES NOW, which considers the many different answers to THE BIG QUESTIONS, whatever those are for you. If you've got a project or pitch about seeing things in a whole new light, please email it to firstname.lastname@example.com.
Rookie is a website for teenage girls. With monthly-themed content, we update three times every weekday, and once a day on weekends. Click here to find out where to send stuff you'd like us to see. Learn about the people who write this thing here.


text:
AS A FRESHMAN IN 2014CCAA All-Academic ... Made 37 appearances, including 17 starts as a designated player and one start as a second baseman ... Hit .254 with a slugging percentage of .352 ... Totaled four doubles and 12 RBI ... Finished with three multiple-hit games ... Collected her first collegiate hit, an RBI single, against Chico State (2/15) ... Blasted a pinch-hit two-RBI home run, the first of her collegiate career, against Cal State East Bay (2/21) ... Tallied two hits in a start against Cal State Dominguez Hills (4/26).
HIGH SCHOOLA 2013 graduate of Granada High School in Livermore ... Played for the Matadors in the East Bay Athletic League ... Made All-League Second Team in 2013 and was named Offensive MVP in 2010 while at GHS ... Also played for the All-American Sports Academy and KG Hitters.
PERSONALBorn May 24, 1995 in Pleasanton ... Parents are William and Andrea Devoto ... Has an older sister named Gianna ... A human biology major at Sixth College ... Hobbies include volleyball, reading and biking ... Favorite team is the San Francisco Giants ... Favorite athlete is Brian Wilson ... The Little Mermaid is her favorite movie ... Her favorite dish is tuna noodle casserole ... Would like to work for a public health organization upon graduation


text:
Advice from Mom: Triple Chocolate Mess (for the slow cooker)
by Rae Osenbaugh
TRIPLE CHOCOLATE MESS (for the crockpot)
- 1 package chocolate cake mix
- 1 pint sour cream
- 1 package instant chocolate pudding
- 1 small bag chocolate chips
- 3/4 cup oil
- 4 eggs
- 1 cup water
Spray crockpot with non-stick spray. Mix all igredients. Pour into crockpot. Cook on low for 6-8 hours. Serve in a bowl with ice cream.
Rae is our Mom in residence here at Dollar Stretcher. She knows all those things that moms are supposed to know but you're too embarrassed to ask your own mom. Write her at firstname.lastname@example.com.
Trending on TDS
- Financial issues for Alzheimer's families
- How to become a work at home mom Video
- Is Amazon Subscribe & Save worth it?
- Prom party decorations for less
- Should you pay for your kids' college?
- How to reduce the cost of divorce
- Surviving as a single mom
- Frugal Easter basket ideas
- 5 big bills you can cut fast
- March bargains in supermarket and beyond
- 5 dumb ways to spend money on your kids Video
- 8 tips to successfully work from home
- What you shouldn't (and should) buy in March
- 5 types of freebies you can snag today
Helpful Resources
- What is the cost of raising a child?
- Spouse income calculator
- Should my spouse work, too?
- College savings calculator
- Home budget calculator


text:
You are here:
You'll want to get dressed for success with our fantastic range of dresses. Get top high street and designer brands for less.
Results 1-12 of 12
Whistles Size UK 6 Lemon & Grey Knee Length Fully Lined Sleeveless Dress
Women's dress River Island - Size: 6 - Multi-colored tartan - Sleeveless
RIVER ISLAND sleeveless dress size - 6
Whistles size 6 Green Lighweight Knit short sleeve shift dress with drawstring
Whistles Size 6 Gold Silver Jaquard and Black Contrast Geo Panel Crepe Shift Dress
Whistles Size 6 Black Sheer Panel 'Rock Chic' Hook and Eye Reverse Cocktail LBD Dress
BNWT River Island Size 6 Blue and Multicolored Asymmetric Body Con Dress
River Island size 6 ' Sequins & Sparkles' Champagne Gold Frill One Shoulder Dress
Unbranded Size 6 Black Side Ruched Jersey Dress
Whistles, size 6 black & grey short sleeved dress
Whistles Size 6 'Selma' Burgundy Animal Print Jersey Wool mix dress
Whistles Size 6 Loose Fitting Tee Print Dress
Page 1 of 1 | Showing 1-12 of 12
What we do
Get involved
Make a donation
© 2015. Oxfam is a registered charity in England and Wales (no 202918) and Scotland (SC039042).
Oxfam GB is a member of Oxfam International.


text:
Company Overview of Solvay USA Inc.
Company Overview
8 Cedar Brook Drive
Cranbury, NJ 08512-7500
United States
Founded in 1998
Key Executives for Solvay USA Inc.
Solvay USA Inc. Key Developments
Solvay's global business unit Novecare announced that it will team up with Eco Agro Resources to develop market and product portfolio opportunities in North and South America. The partnership is part of larger discussions aimed at leveraging the companies combined enhanced efficiency fertilizer products for agricultural distributors and customers. The partnership was announced at the start of The Fertilizer Institute's annual conference in Scottsdale, Arizona.
Solvay Novecare inaugurated its specialty surfactants plant at the industrial park in Genthin, Germany, placing it in an excellent position to meet customer requirements in the fast-growing Central & Eastern European markets for Home & Personal, Agrochemicals and Oil & Gas markets. The expanded production capacities will enable Solvay to meet the growing demand for amphoteric surfactants from local customers and enhance its service level. The plant will create some 30 new jobs. The new plant will produce specialty surfactants that aid in the delivery of functional performance attributes such as cleansing, dispersal, moisturizing and texturizing qualities. The unit has already produced trial batches and with production set to start on the fourth quarter of 2014, Solvay is uniquely positioned to serve the dynamic Central and Eastern European market as well as its many customers around the world.
Fertoz Ltd. has acquired an option from Sulfate Resources LLC to explore and acquire up to 100pc of the Dry Ridge Phosphate Project in Idaho from Solvay USA Inc. Fertoz has the right to explore the property until August 30, 2016 and can exercise its option to acquire the project by paying Solvay USA Inc. up to USD 600,000 for an 80pc interest in the project. The purchase price was agreed with Solvay on the basis that there are 12 million tons at a minimum grade of 24pc P2O5 in the project. Upon Fertoz exercising its right to acquire the project, it will own 80pc of the project and Sulfate will own 20pc. Fertoz can acquire the remaining 20pc by paying USD 200,000 to Sulfate by December 9, 2016.
Similar Private Companies By Industry
|Company Name
|Iroquois Bio Energy Co. LLC
|United States
|Nypro Atlanta Inc.
|United States
|United States
|J-B Weld Company, LLC
|United States
|ExxonMobil Chemical Company, Inc.
|United States
Recent Private Companies Transactions
July 31, 2014
Most Searched Private Companies
|Company Name
|Geographic Region
|Lawyers Committee for Civil Rights Under Law
|United States
|Bertelsmann AG
|NYC2012, Inc.
|United States
|Rush University
|United States
|Citizens Budget Commission
|United States
Sponsored Financial Commentaries
Sponsored Links
To contact Solvay USA Inc., please visit www.solvay.us. Company data is provided by Capital IQ. Please use this form to report any data issues.
Our data partners will research the update request and update the information on this page if necessary. Research and follow-up could take several weeks. If you have questions, you can contact them at firstname.lastname@example.com.


text:
H. G. Wells was both an incredibly gifted science visionary as well as an intelligent social commentator. Those two skills are combined in this book, which soundly set the stage for the use of time travel as a primary plot device for science fiction stories. It also served to create the concept of class warfare leading to a significant separation between the workers and the capitalists. This went against the common belief that progress would continue largely unabated.
The time traveler moves 800,000 years into the future and he expects to find a utopia of beauty and social order. However, he experiences a dystopia of sorts where the human population has split into the beautiful and childlike Eloi and the ugly Morlocks. The Eloi are the descendants of the propertied class, they have lost almost all intellectual function and are roughly at the level of the five-year-old child. The Morlocks are the descendants of the workers, live underground and use the Eloi as food.
Time has tempered the significance of class warfare in industrial societies so the modern reader may not understand how strong a force it was when this story was written. Wells does a superb job of using the tool of science fiction to make a powerful and relevant commentary on how society was separating into two antagonistic groups. That point is often lost by people that concentrate on the science fiction aspects of the story.
What did you think of this review?
Use Trust Points to see how much you can rely on this review.


text:
The Christopher Nolan Flowchart
Just in case you weren't sure which Chris Nolan movie you were watching, here's a handy flowchart to help you through. And no, it does not make Inception theories any clearer.
This post was created by a user and has not been vetted or endorsed by BuzzFeed's editorial staff. BuzzFeed Community is a place where anyone can post awesome lists and creations. Learn more or post your buzz!


text:
Join the city and school down at Fourth Street Live! today to celebrate UofL officially becoming a member of the ACC. The festivities get underway after...Continue reading »
Category Archives: Cardinal News and Notes
(Photo – Getty Images) Huge props to the always-reliable Crum's Revenge (Mike Lindsay) for another fantastic video. This time he tackles the...Continue reading »
(Photo — The ACC) The last few years have been a whirlwind on the conference realignment front. Not only was Louisville looking for a new home in...Continue reading »
Photo – theacc.com Florida State 42 appearances (26-14-2) 3 national champions Georgia Tech 42 appearances (23-19) 1 national championship Clemson 36...Continue reading »
One of the many advantages with ACC membership is the fact that fans can travel to most of the schools in a car in a reasonable amount of time. For...Continue reading »
When it was announced that Louisville would be ACC bound in November of 2012, we made it LSL's goal to get John Swofford on the program. After...Continue reading »
Photo – Petrino Family Foundation When Bobby Petrino returned to coach the Cardinals, he admitted that his actions will be the only way to earn...Continue reading »
On this installment of LSL, we will talk to former Cardinal Chane Behanan and get an update on his preparations for the upcoming NBA Draft. We'll...Continue reading »
(Photo – Associated Press) It was a damn good run, once again. But in the end, the Louisville baseball team was unable to muster up any offense...Continue reading »
Photo – gocards.com UofL didn't do what it needed to do in order to get off to a good start in Omaha as the Cards lost to Vanderbilt, 5-3. ...Continue reading »


text:
here welcome to: forums > random > general > kw rewards program
here welcome to: forums > random > general > kw rewards program
Member since:
May, 2012
Posts: 34
ekcy=)music luver!
Blind Faith
Member since:
October, 2012
Posts: 2473
Member since:
April, 2013
Posts: 23
"Blind Faith" wrote:I don't like it.
spoiled and awesome
Member since:
December, 2012
Posts: 2
"spoiled and awesome" wrote:okay wats is this
See on the right corner of your screen? The bar. That's what this is. You get coins to buy things, but you have to complete the quests, and other things.
Someone once told me not to bite off more than I can chew. I told them I'd rather choke on greatness than nibble on mediocrity.
"The loneliest moment in someone's life is when they are watching their whole world fall apart, and all the can do is stare blankly."
-Great Gatsby
"iluvmusic" wrote:Sounds awsome!..Too bad this thing ain't worldwide thoe!C;..but still it sounds ########!
It is worldwide. Every user on KW can use it and can do everything including buy things in the store and win the iPad Mini
How many of your real world friends have you invited to KW today??? Get bizzy!